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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Multidisiplin Indonesia
Rudi Bratamanggala
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Factors Affecting the Tourism Industry and Their Impact on Unemployment, Small and Medium Enterprises, Poverty, and the Human Development Index Laksono Edhi Lukito Lukito; Wahyu Murti; Yolanda Yolanda; Bambang Bernathos; Rudi Bratamanggala
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6676

Abstract

The tourism industry is one of the main supporting factors for the economy in Indonesia. The purpose of this study is to analyze and examine the factors that influence the tourism industry and their impact on unemployment, Small and Medium Enterprises, Poverty, and Human Development Index. The research method used an explanatory research study, which aims to test hypotheses about the relationship between variables with ordinary least square, multiple and simple linear regression, statistical descriptive analysis, and classical assumption test. Data processing that used is secondary data, 2005 to 2020 (quarterly), using econometrics Eviews application, 10 version. The results of this study found that foreign tourist visits, rupiah exchange rate, infrastructure, inflation, and tourist destinations had a significant simultaneous effect to the tourism industry. Partially, negative and significant effects on the rupiah exchange rate, and inflation. The tourism industry has negative and significant effect on unemployment and poverty. Furthermore, Small and Medium Enterprises and the Human Development Index has positive and significant effect to tourism industry.
Access To Capital For Micro, Small, and Medium Enterprises (MSMES/UMKM) Through Formal and Informal Financial Institutions Adhis Darussalam Pamungkas; Rudi Bratamanggala
Jurnal Multidisiplin Indonesia Vol. 3 No. 2 (2025): Juni : Jurnal Multidisiplin Indonesia
Publisher : PT. ALHAFI BERKAH INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62007/joumi.v3i2.478

Abstract

This research examines Micro, Small, and Medium Enterprises (MSMEs) access to capital from formal and non-formal financial institutions in Indonesia. Using a qualitative approach through in-depth interviews with 30 MSME actors in three big cities and secondary data analysis, this study identifies various obstacles faced by MSMEs in accessing capital and potential solutions. The results show that limited collateral, lack of credit history, and administrative procedure complexity remain the main barriers for MSMEs' access to formal financial institutions. Meanwhile, non-formal financial institutions are more accessible but often at higher costs. This research recommends strengthening financial literacy, innovation in credit guarantee schemes, and revitalizing cooperation between formal and non-formal financial institutions to improve MSMEs' access to capital.
Co-Authors Adhis Darussalam Pamungkas Bambang Bernathos Laksono Edhi Lukito Lukito Wahyu Murti Yolanda Yolanda