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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan JEPA (Jurnal Ekonomi Pertanian dan Agribisnis) JAE (Jurnal Akuntansi dan Ekonomi) Jurnal Abdi Masyarakat Indonesia Journal of Economics Research and Policy Studies Penamas: Journal of Community Service Proceeding ISETH (International Summit on Science, Technology, and Humanity) Jurnal Pariwisata PaRAMA : Panorama, Recreation, Accomodation, Merchandise, Accessbility Journal of Community Services and Engagement: Voice of Community (VOC) Ecoducation
Nur Andriyani
Jurusan Teknik Industri Universitas Sultan Ageng Tirtayasa
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Medicine & Pharmacology Public Health Social Sciences Other

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Efektivitas Akses Pembiayaan Kredit Usaha Rakyat dan Fintech Lending terhadap Pendapatan Industri Mikro Kecil: The Effectiveness of Access to People's Business Credit Financing and Fintech Lending on the Income of Micro, Small, and Medium Enterprises Rifai, Nazzar; Andriyani, Nur
Economic and Education Journal (Ecoducation) Vol. 8 No. 2 (2026): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v8i2.3252

Abstract

Penelitian ini bertujuan menganalisis pengaruh Kredit Usaha Rakyat (KUR), fintech lending, tenaga kerja, usia, dan pendidikan terhadap pendapatan Industri Mikro dan Kecil (IMK) di Indonesia. Penelitian menggunakan data sekunder cross section dari Survei Industri Mikro dan Kecil BPS tahun 2025 dengan jumlah sampel sebanyak 94.779 unit usaha. Metode analisis yang digunakan adalah regresi linier berganda melalui dua model empiris. Hasil penelitian menunjukkan bahwa KUR berpengaruh negatif dan signifikan terhadap pendapatan IMK akibat beban cicilan yang menekan arus kas usaha jangka pendek. Sebaliknya, fintech lending berpengaruh positif dan signifikan karena menawarkan akses pembiayaan yang cepat dan mudah. Tenaga kerja berpengaruh positif terhadap pendapatan, sedangkan usia menunjukkan pola hubungan non-linear berbentuk inverted U-shape dengan usia produktif optimal sekitar 46 tahun. Selain itu, pendidikan terbukti memperkuat efektivitas KUR dan fintech lending melalui peningkatan kemampuan pengelolaan modal, literasi keuangan, dan pemanfaatan teknologi digital secara produktif.
Improving Community Economic Resilience through Biogas as a Sustainable Alternative Energy Khairunnisa, Dhiya Atha; Andriyani, Nur
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

Purpose: The study aims to assess the potential of biogas derived from cow manure to replace LPG in rural households, while strengthening community resilience and improving economic conditions.Methodology: A descriptive quantitative approach was applied, using statistical analysis of data collected from 39 households in Mundu Village, Tulung District, Klaten Regency that actively use biogas.Results: The findings show that biogas usage leads to a 75% reduction in LPG consumption and generates monthly savings ranging from IDR250,000 to IDR300,000. The average initial investment of IDR8.6 million indicates strong long-term economic feasibility.Applications/Originality/Value: This research offers empirical evidence on the viability of biogas as an alternative household energy source in rural Indonesia, highlighting its capacity to decrease dependence on fossil fuels through locally available resources.
Economic Resilience of Dairy Farmers Amid Climate Change: An Empirical Study in Pagerjurang Village Nugroho, Jodi Setyo; Andriyani, Nur; Affandi, Muslim
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

Purpose: This study aims to examine the effects of the number of dairy cows, feed costs, clean water costs, barn area, and the use of milking technology on the gross income of dairy farmers in Pagerjurang Village, Boyolali Regency, within the context of climate change impacts.Methodology: Primary data were collected through interviews with 88 dairy farmers and analyzed using the Cobb-Douglas production function estimated with the Ordinary Least Squares (OLS) method.Results: The findings show that the number of dairy cows, feed costs, and barn area have a positive and significant effect on farmers’ income. Conversely, clean water costs and the use of milking technology do not significantly affect income.Applications/Originality/Value: This study identifies the factors that play the most important role in improving farmer welfare and provides evidence that government support in increasing dairy cow ownership, expanding barn capacity, and improving feed management training is crucial for strengthening farmer resilience in facing climate change.
Global Economic Policy Uncertainty and Sectoral Stock Resilience in Indonesia Oftasari, Yosi; Andriyani, Nur
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

This study investigates the impact of Global Economic Policy Uncertainty (GEPU) on sectoral stock indices in Indonesia, specifically the financial, energy, and consumer cyclical sectors within the framework of the Arbitrage Pricing Theory (APT). Using monthly data from January 2021 to June 2025 and applying the Autoregressive Distributed Lag (ARDL) model, the research examines both the short- and long-run relationships between GEPU, key macroeconomic variables, and sectoral stock performance. The findings reveal that GEPU exerts a negative and significant influence on the financial and energy sectors, indicating capital withdrawal and higher risk premiums during periods of global uncertainty. In contrast, the consumer cyclical sector shows a positive response, suggesting short-term resilience as domestic consumption rebounded in the post-pandemic recovery phase. These results highlight that each sector responds differently to external shocks through distinct transmission channels: financial intermediation, commodity pricing, and consumer sentiment. The evidence provides valuable insights for both investors and policymakers to identify resilient sectors and to design strategic responses that enhance market stability and support sustainable economic growth (SDG 8) in periods of heightened global uncertainty.
Co-Authors Aan Sofyan Affandi, Muslim Aflit Nuryulia Praswati Ahmad Fauzan Anjalya Pertiwi, Munitya Dewi Nuraini, Candra Diana Setiawati Indrasto, Haryo Bimo Budi Khairunnisa, Dhiya Atha Muhammad Afif Ningtyas, Nadya Asoka Novitasari, Lilis Nugroho, Jodi Setyo Nur Hidayah Nuraini, Candra Dewi Oftasari, Yosi Qomarun Qomarun Rifai, Nazzar Salam, Annisa Nur Salsabila, Fina Sudrajah Warajati Kisnawaty Susilawati, Sukma Ayu Wardani, Lusyka Widya Winny Perwithosuci