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All Journal Journal of Enterprise and Development (JED) Berdikari : Jurnal Ekonomi dan Statistik Indonesia
Sartika Djamaluddin
Universitas Indonesia, Indonesia
Economics, Econometrics & Finance

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Pengaruh Ketidakpastian Pendapatan Terhadap Status Kepemilikan Rumah di Indonesia Citra Baskoro; Sartika Djamaluddin
Jurnal Ekonomi Dan Statistik Indonesia Vol 3 No 2 (2023): Berdikari: Jurnal Ekonomi dan Statistik Indonesia (JESI)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/jesi.03.02.01

Abstract

Persentase kepemilikan rumah pada rumah tangga di Indonesia menujukan trend yang semakin menurun dari tahun ke tahun. Keterbatasan penyediaan rumah dan tingginya harga rumah membuat sebagian besar rumah tangga menempuh skema kredit untuk dapat memiliki rumah. Penelitian ini bertujuan untuk menyelidiki bagaimana hubungan antara ketidakpastian pendapatan (income uncertainty), kendala pembiayaan (credit constraint) dan preferensi risiko (risk preference) rumah tangga terhadap status kepemilikan rumah di Indonesia. Studi ini menggunakan data IFLS Tahun 2007 dan 2014. Estimasi menggunakan variabel dengan metode probit dengan data panel dan probit OLS (ordinaryleast square) pada tahun 2014 dilakukan untuk mengetahui hubungan kausalitas antara ketidakpastian pendapatan (income uncertainty), kendala pembiayaan (credit constraint) dan preferensi risiko (risk preference) dengan status kepemilikan rumah di Indonesia. Hasil penelitian menunjukkan bahwa Indoensia sebagai negara berkembang menunjukan pengaruh negatif dari ketidakpastian pendapatan (income uncertainty) terhadap status kepemilikan rumah di Indonesia lebih besar bila dibandingkan dengan negara maju lainnya. Sedangkan kendala kredit memiliki pengaruh negatif terhadap status kepemilikan rumah di Indonesia, terutama kendala yang bersumber dari keterbatasan kekayaan yang digunakan sebagai jaminan pinjaman.
The role of permit relaxation policy in boosting micro-small business income during the COVID-19 Syafrizal Syafrizal; Sartika Djamaluddin
Journal of Enterprise and Development (JED) Vol. 5 No. 3 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v5i3.7239

Abstract

Purpose — This study investigates the effect of permit relaxation policy on micro and small businesses income by considering other factors, such as business capital, labor, business area, business sector, location ownership and business facilities.Method — This study employs quantitative methods by analyzing panel data related to the application for micro and small business permits, specifically focusing on the relaxation program, which was administered by the Department for Investment and Integrated One Stop Services of the Jakarta Capital City Government. The data covers the period from 2020 to 2022 and encompasses all areas, including five cities and one regency, with permits issued by 267 Service Units in Jakarta.Result — The findings of this study, derived from regression analysis and bivariate analysis, reveal a notable positive impact of business permits obtained through the relaxation program on the increase in business income. Specifically, businesses that obtained permits from the relaxation program experienced a higher income of 5.27% compared to those without permits. Furthermore, factors such as capital, labor, and the business sector collectively contribute to a significant positive effect on enhancing business income.Contribution — This research contributes to the existing literature by addressing the gap in previous studies that have not examined the impact of permit relaxation policy on the income of micro and small businesses. It offers valuable insights and knowledge to enhance understanding in this area of study.
Co-Authors Citra Baskoro Syafrizal Syafrizal