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All Journal Economic Journal of Emerging Markets Jurnal Perencanaan Wilayah dan Kota Journal of Regional and City Planning Jurnal Populasi Jurnal SOLMA Ta'dib: Jurnal Pendidikan Islam International Journal of Economics Development Research (IJEDR) Jurnal Riset Ilmu Ekonomi dan Bisnis Bandung Conference Series: Economics Studies Economics Development Analysis Journal
Asnita Frida Sebayang
Universitas Islam Bandung
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Engineering Environmental Science Social Sciences Transportation Other

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Pengaruh Suku Bunga Dasar Kredit, Deflator dan Pertumbuhan Ekonomi terhadap Non Performing Loan Elka Nabila Rahmadian; Asnita Frida Sebayang
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 4, No. 1, Juli 2024, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v4i1.3644

Abstract

Abstract. The credit business in Indonesia is growing rapidly as economic activity increases, but credit risk remains a big challenge for banks, especially related to non-performing loans (NPL). Research analyzing Bank BJB data from 2001 to 2022 using the multiple linear regression method shows that the Basic Credit Interest Rate (SBDK), Deflator and Economic Growth simultaneously influence NPL. Partially, Prime Lending Rate and the Deflator have a significant influence on positive growth on NPL, which means that an increase in the basic credit interest rate and the deflator tends to increase non-performing loans. On the other hand, Economic Growth shows a significant effect with negative growth on NPL, indicating that economic improvement can reduce bad loans. The Determination Coefficient (R²) from this study shows that 32.14% of the variation in NPL can be explained by the three independent variables, indicating that other factors also influence NPL. These findings are important for bank risk management to understand the dynamics that influence bad loans and take strategic steps to mitigate these risks. Abstrak. Bisnis kredit di Indonesia berkembang pesat seiring meningkatnya aktivitas ekonomi, namun risiko kredit tetap menjadi tantangan besar bagi bank, terutama terkait kredit macet atau Non-Performing Loan (NPL). Penelitian yang menganalisis data Bank BJB dari tahun 2001 hingga 2022 menggunakan metode regresi linier berganda menunjukkan bahwa Suku Bunga Dasar Kredit (SBDK), Deflator, dan Pertumbuhan Ekonomi berpengaruh secara simultan terhadap NPL. Secara parsial, SBDK dan Deflator memiliki pengaruh signifikan dengan pertumbuhan positif terhadap NPL, yang berarti kenaikan suku bunga dasar kredit dan deflator cenderung meningkatkan kredit macet. Sebaliknya, Pertumbuhan Ekonomi menunjukkan pengaruh signifikan dengan pertumbuhan negatif terhadap NPL, menandakan bahwa peningkatan ekonomi dapat mengurangi kredit macet. Koefisien Determinasi (R²) dari penelitian ini menunjukkan bahwa 32,14% variasi NPL dapat dijelaskan oleh ketiga variabel bebas tersebut, mengindikasikan bahwa faktor-faktor lain juga mempengaruhi NPL. Temuan ini penting bagi manajemen risiko bank untuk memahami dinamika yang mempengaruhi kredit macet dan mengambil langkah-langkah strategis untuk memitigasi risiko tersebut.
Indeks Pembangunan Manusia, Dana Alokasi Umum, dan Angkatan Kerja terhadap Ketimpangan Pendapatan Anisya Aulia Fatonah; Asnita Frida Sebayang
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 4, No. 2, Desember 2024, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v4i2.5010

Abstract

Absrtak. Ketimpangan pendapatan menjadi permasalahan ekonomi paling mendasar yang selalu menjadi pusat perhatian karena sulit terpecahkan hampir disetiap negara berkembang. Sebagian besar permasalahan ketimpangan pendapatan ini disebabkan karena kurangnya pendapatan yang diterima dalam memenuhi kebutuhan hidup. Berbagai upaya telah dicoba guna mengurangi tingkat ketimpangan suatu wilayah salah satunya dengan pembangunan ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh Indeks Pembangunan Manusia, Dana Alokasi Umum, dan Angkatan Kerja terhadap Ketimpangan Pendapatan di Provinsi Jawa Barat. Metode analisis yang digunakan dalam penelitian ini adalan regresi data panel dengan pendekatan Fixed Effect Model (FEM). Hasil Cross-section effect diperoleh dua kabupaten/kota yang memiliki nilai effect tertinggi yaitu Kabupaten Bogor sebesar 0,38 persen dan Kabupaten Bandung sebesar 0,26 persen. Hasil analisis yang diperoleh, dapat diketahui bahwa variabel Indeks Pembangunan Manusia berpengaruh positif dan signifikan terhadap variabel Ketimpangan Pendapatan, Dana Alokasi Umum dan Angkatan Kerja berpengaruh negatif dan signifikan terhadap variabel Ketimpangan Pendapatan di Provinsi Jawa Barat. Abstract. Income inequality is the most basic economic problem that has always been the center of attention because it is difficult to solve in almost every developing country. Most of these income inequality problems are caused by the lack of income received in meeting the needs of life. Various efforts have been tried to reduce the level of inequality in a region, one of which is economic development. This study aims to determine the effect of Human Development Index, General Allocation Fund, and Labor Force on Income Inequality in West Java Province. The analysis method used in this study is panel data regression with the Fixed Effect Model (FEM) approach. Cross-section effect results obtained two districts / cities that have the highest effect value, namely Bogor Regency by 0.38 percent and Bandung Regency by 0.26 percent. The results of the analysis obtained, it can be seen that the Human Development Index variable has a positive and significant effect on the Income Inequality variable, the General Allocation Fund and the Labor Force have a negative and significant effect on the Income Inequality variable in West Java Province.
Pengembangan Kawasan Minapolitan di Wilayah Pesisir Kabupaten Karawang Menggunakan Konsep Sharing Economy Hanif Robani Herdiat, Kingkin; Frida Sebayang, Asnita
Jurnal Perencanaan Wilayah dan Kota Vol. 17 No. 1 (2022)
Publisher : Program Studi Perencanaan Wilayah dan Kota, UPT Publikasi Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jpwk.v17i1.596

Abstract

Sejak tahun 2011 Pemerintah Kabupaten Karawang sudah meluncurkan program minapolitan, salah satunya dengan sudah disusunnya Master plan pengembangan kawasan perikanan terpadu (minapolitan), kemudian dalam keputusan Bupati Karawang No 523/Kep.399 - Hukum/2014 tentang Penetapan Lokasi Pengembangan Kawasan Minapolitan Industrialisasi Perikanan Budidaya Tahun 2014. Beberapa hal yang menjadi hambatan dalam pengembangan kawasan minapolitan di wilayah pesisir ini adalah masih dianggap sebagai sebuah proyek, kurangnya informasi benih, pakan, pemasaran dan kurangnya pengetahuan SDM. Saat ini konsep Sharing Economy sebagai model ekonomi yang sudah banyak diterapkan, dimana orang atau sekelompok orang mampu menghasilkan uang dari sumber daya miliknya yang diutulisasi sehingga memberi jasa bagi orang atau sekelompok orang lain, melalui pelantara online. Hasil analisis penelitian pada penentuan pusat kawasan Kecamatan Cilamaya Wetan belum layak untuk ditetapkan sebagai kawasan minapolis karena belum menjalankan fungsinya dengan sesuai yaitu sebagai kawasan minapolis. Adanya gap antara kenyataan dan harapan pada sarana penunjang minapolitan dan sarana ICT, hasil analisis potensi Sharing Economy menunjukkan masyarakat dinilai belum siap untuk melakukan kegiatan ekonomi dengan berbasis ICT karena masyarakat belum mahir untuk mengaplikasikannya, sedangkan pada ketersediaan fasilitas ICT masih belum merata dan perlu untuk ditingkatkan. Pengembangan kawasan minapolitan di wilayah pesisir karawang menggunakan konsep Sharing Economy memiliki 3 (tiga) strategi utama yang dapat dilakukan yaitu harus mengembangkan pengolahan dan produksi budidaya ikan bandeng, peningkatan penguatan kelembagaan (UPP) untuk menjalin kerjasama antar kelompok dan pemerintah di bidang teknologi, dukungan pembangunan sarana dan prasarana minapolitan serta fasilitas ICT (penguasaan ICT) oleh SKPD di Kabupaten/Kota.
Peningkatan Kapasitas Bisnis Usaha Mikro Kuliner di Sekitar Kampus Universitas Islam Bandung melalui Penyusunan Model Bisnis Hijrah Tool Sebayang, Asnita Frida; Rahmi, Dewi; Mahani, Septiana Estri Ayu; Al Rifah, Cecep Fauzan
Jurnal SOLMA Vol. 14 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v14i1.17849

Abstract

Background: The campus has a strategic role in enhancing community capacity through the tridharma of higher education, particularly community service. In the context of local economic development, the role of universities is believed to bring changes to the community's economy through the transfer of knowledge and concrete actions. This program aims to improve the competence of culinary business actors in managing their businesses, thereby contributing to long-term welfare improvement. Method: The method used is participatory action research. The community service team conducted an assessment of the needs of micro-business actors in the culinary sector around Universitas Islam Bandung in Tamansari, Bandung City, West Java Province. One of the basic assessments is guiding the actors to recognize and create simple business models after being provided with an understanding of several managerial contexts, including marketing. Results: The results of this program show that business actors can elaborate on 13 business indicators in detail, including strengths, potentials, operational methods, and business development strategies. This program also successfully identified obstacles such as business registration and halal certification, which were assisted by Universitas Islam Bandung. Conclusion: This program is considered successful in enhancing the ability of culinary micro-business actors to develop strategic business models while identifying business development challenges to be addressed. The ability of business actors to create business models is a strategic step to identify business behaviors and will be the key to future business development to become a sustainable source of income by utilizing their resources.
Maintaining The Leading Economy of The City of Semarang Sebayang, Asnita Frida; Sebayang, Lesta Karolina; Cecep Fauzan Al Rifah
Economics Development Analysis Journal Vol. 13 No. 4 (2024): Economics Development Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v13i4.19370

Abstract

The economic position of a city is crucial for the sustainability of regional economic development. To enhance competitiveness and achieve economic excellence, a combination of simultaneous drivers is necessary. As the core city of the Kedungsepur agglomeration, Semarang City plays a strategic role in regional development. This study employs a quantitative methodology, utilizing the Location Quotient (LQ) technique with data sourced from the Central Bureau of Statistics (BPS). The findings indicate that Semarang City's economic transformation, characterized by competitiveness and specialization in the trade, real estate, and public service sectors, requires support from surrounding regions to maximize its role in driving sustainable economic growth. Additionally, the study identifies the city's prime sectors—trade, real estate, public services, and transportation and warehousing—highlighting their contribution to generating high-added value amid global economic dynamics. Despite its economic diversification, Semarang City remains heavily reliant on the manufacturing industry due to its substantial sectoral contribution. Therefore, while manufacturing remains a key pillar of the local economy, identifying new growth potentials and fostering collaborative strategies within the agglomeration area is essential for long-term economic resilience. Semarang City possesses significant potential for sustainable growth by distributing the benefits of development to its surrounding regions, reinforcing its role as a regional economic driver.
Pengaruh Pengeluaran Pemerintah, Rata-Rata Lama Sekolah, dan Laju Pertumbuhan Ekonomi terhadap Prevalensi Stunting Muhamad Ridwan; Asnita Frida Sebayang
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 5, No. 1, Juli 2025, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v5i1.6400

Abstract

Stunting adalah permasalahan gizi jangka panjang yang muncul akibat kurangnya asupan nutrisi, dan menjadi isu kesehatan yang krusial di Indonesia. Penelitian ini bertujuan untuk menganalisis dampak pengeluaran dari pemerintah, lama rata-rata pendidikan, dan pertumbuhan ekonomi terhadap prevalensi stunting di Jawa Barat antara tahun 2018 hingga 2023. Latar belakang penelitian ini dilandasi oleh pentingnya mengetahui faktor-faktor yang mempengaruhi stunting, mengingat dampak negatifnya pada perkembangan anak. Metodologi yang diterapkan adalah analisis regresi data panel. Temuan penelitian menunjukkan bahwa pengeluaran pemerintah tidak memiliki pengaruh yang signifikan terhadap stunting p-value: 0,7347. Namun, lama rata-rata pendidikan dan laju pertumbuhan ekonomi menunjukkan pengaruh negatif yang signifikan p-value: 0,0000 dan 0,0001, yang berarti bahwa semakin tinggi tingkat pendidikan dan pertumbuhan ekonomi, prevalensi stunting cenderung berkurang. Hal ini menunjukkan bahwa pendidikan dapat meningkatkan pemahaman tentang gizi, sementara pertumbuhan ekonomi memberikan akses yang lebih baik terhadap makanan berkualitas. Dengan demikian, disimpulkan bahwa investasi dalam pendidikan serta kebijakan ekonomi yang berkelanjutan sangat penting untuk mengurangi stunting. Pemerintah juga harus mengarahkan pengeluarannya pada program-program yang memberikan dampak langsung dan memperluas akses pendidikan untuk mendukung perkembangan anak yang sehat dan optimal. Stunting is a long-term nutritional problem that arises due to lack of nutritional intake, and is a crucial health issue in Indonesia. This study aims to analyze the impact of government spending, average length of education, and economic growth on the prevalence of stunting in West Java between 2018 and 2023. The background of this study is based on the importance of knowing the factors that influence stunting, considering its negative impact on child development. The methodology used is panel data regression analysis. The findings of the study indicate that government spending does not have a significant effect on stunting p-value: 0.7347. However, the average length of education and economic growth rate show a significant negative effect p-value: 0.0000 and 0.0001, which means that the higher the level of education and economic growth, the prevalence of stunting tends to decrease. This suggests that education can improve understanding of nutrition, while economic growth provides better access to quality food. Thus, it is concluded that investment in education and sustainable economic policies are essential to reduce stunting. The government must also direct its spending to programs that provide direct impact and expand access to education to support healthy and optimal child development.
Co-Authors Al Rifah, Cecep Fauzan Anisya Aulia Fatonah Asri Nuranisa Dewi Cecep Fauzan Al Rifah Denis Budiarrianto Dewi Rahmi Elka Nabila Rahmadian Elsa Selvia Elsa Selvia Fitriani Millenia Onesha Fitriani Millenia Onesha Fitroh Hayati Hanif Robani Herdiat, Kingkin Imam Indratno Ivan Chofyan Kingkin Hanif Robani Herdiat Lesta Karolina br Sebayang Lesta Karolina Sebayang M Nalla Ramadhan Mahani, Septiana Estri Ayu Muhamad Ridwan Muhamad Rizky Faizal Muhammad Baihawafi Muhammad Ridho Fadhilah Panji Lanang Galih Puput Delita Ekamevia Ria Haryati Ningsih Ria Haryatiningsih Risya Krisniawati Taqy Muhammad Hirsalam TIARA AYU PANGESTI Widya Nissa Wildani