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All Journal Jurnal Ekonomi dan Kewirausahaan Journal Of Sharia Banking
berlin berlin
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Economics, Econometrics & Finance Social Sciences

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THE EFFECT OF INFLATION LEVEL AND GOLD PRICES ON THE DISTRIBUTION OF RAHN'S FINANCING IN PT. PEGADAIAN (PERSERO) SHARIA BRANCH ALAMAN BOLAK PADANGSIMPUAN berlin berlin; abdul nasser hasibuan; sarmiana batubara; idris saleh
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (715.518 KB) | DOI: 10.24952/jsb.v2i1.4440

Abstract

This research is motivated by the financing of rahn distributed by PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan from 2015-2018 has always experienced an increase. In 2015 rahn financing disbursed amounted to Rp. 12,722,736 experienced an increase in 2016 by 10% to Rp. 14,171,000, then continued to increase in 2017 by 11% to Rp. 15,877,390 while in 2018 it increased by 1% in the amount of Rp. 15,918,480, but the level of inflation and the price of gold Padangsidimpuan City has increased and decreased. This is very possible because the inflation rate is very influential to the rising cost of gold and the price of gold can be said to affect the distribution of financing because some people who mortgaged their goods in the form of gold to obtain funds. This research is quantitative research. Data sources used are primary data and secondary data. To collect the required data is done by using the interview and documentation method, namely the 2015-2018 monthly financial statements PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan, with a total sample of 48 months. Data were processed with the help of SPSS program version 23. Based on statistical test results partially the inflation rate does not affect the distribution of rahn financing, this can be proven in the hypothesis testing results of the inflation rate variable having tcount (-1,639) ttable (-1,679), then H0 is accepted Ha is rejected, and the gold price variable has t (2,353) ttable (1,679), then H0 is rejected Ha is accepted, then the inflation rate and gold price variables simultaneously influence the distribution of rahn financing with the results of Fcount (4,435) Ftable (3,204) means that H0 is rejected and Ha is accepted, from the determination test obtained the calculation of 18.4% is determined by the inflation rate and the price of gold and the remaining 81.6% is explained by other variables.
Peran UMKM Pembuatan Makanan Ringan Dan Inovasi Produk Terhadap Penambahan Pendapatan Ekonomi Masyarakat Dikota Tangerang Berlin Berlin; Agus Suharto; Suhendri Suhendri
JURNAL EKONOMI DAN KEWIRAUSAHAAN Vol. 22 No. 1 (2022): Jurnal Ekonomi Dan Kewirausahaan: March
Publisher : Universitas Slamet Riyadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (537.943 KB) | DOI: 10.33061/jeku.v22i1.7513

Abstract

By the government, high attention is given to MSME actors as a form of government in supporting the economy of the small people. Moreover, MSMEs are able to have a direct impact on people's lives in the lower sector, both in rural and urban areas. Data from the Ministry of Cooperatives and SMEs in 2017 shows high foreign exchange from MSME actors. The figure is also very high, reaching Rp. 88.45 billion. This figure has increased up to eight times compared to 2016, it is not wrong if MSME actors cannot be underestimated anymore. Snacks to be sold must have good quality, both in terms of the materials used, in terms of processing and in terms of packaging. The materials used must be hygienic and do not contain harmful substances. The processing method must also be clean and guaranteed according to the rules. Then the packaging is made using good, attractive packaging and meets the brand packaging standards of the snacks. Followed by current information technology and innovation as well as good and diverse packaging so that the products we produce are more attractive to consumers or innovation in terms of marketing with online media. We see today, many snack food entrepreneurs are successful because of their innovation. Keywords : Small Micro Enterprises Manufacturing of snacks, product innovation, & community economic income.
Co-Authors Abdul Nasser Hasibuan Agus Suharto Idris Saleh Sarmiana Batubara Suhendri Suhendri