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The Role of Banking in UMKM Financing Hasyim; Bernando Aldo Yosua Tambunan; Elisabeth Silaban; Intan Harahap
Indonesian Journal of Advanced Research Vol. 2 No. 5 (2023): May, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijar.v2i5.4262

Abstract

This article aims to identify and analyze the role of banks in financing small and medium enterprises in Indonesia North Sumatra Province (SUMUT). The analytical tool used is a quantitative approach. The results of this study are that the role of banking in the development of small and medium enterprises in the province of North Sumatra is very important. This is because the role of non-bank credit and financial institutions in financing small and medium enterprises is still relatively low. The contribution of banking, especially in financial support, is when small and medium enterprises enter business development. When getting a bank loan, small and medium enterprises that are categorized as potential, feasible and bankable generally do not experience difficulties.
Analisis Pengaruh PDRB, Angkatan Kerja dan Jumlah Penduduk Terhadap Kemiskinan Provinsi Sumatera Utara Tahun 2001-2020 Bernando Aldo Yosua Tambunan; Elisabeth Silaban; Intan Harahap; Indra Maipita; Muammar Rinaldi
HEMAT: Journal of Humanities Education Management Accounting and Transportation Vol 1, No 2 (2024): Agustus 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/hemat.v1i2.2699

Abstract

Poverty is a condition that has not and has never been resolved on this earth. People who are still in poverty are still found in many countries, even in developed countries the phenomenon of poverty is a serious problem. The purpose of this study was to analyze the effect of Gross Regional Domestic Product (GRDPHB), Labor, Population on Poverty in North Sumatra Province. The analysis used in this study is a time series data analysis model, with secondary data for 2001-2020 obtained from the Central Bureau of Statistics (BPS) of North Sumatra.The results obtained from this study are; In the short term, the variables of GRDPHB (LNX1), Labor Force (LNX2), and Total Population do not have a significant effect on Poverty in North Sumatra Province. However, the Error Correction Term (ECT) is significant in the short run, which indicates an adjustment towards the long-run equilibrium after a shock; In the long run, the GRDP variable (LNXI) has a negative and significant effect on Poverty in North Sumatra Province. Meanwhile, the variables of Labor Force (LNYX) and Total Population are not significant. The Error Correction Model (ECM) used in this study can explain about 87% of the variation in the Poverty variable in North Sumatra Province.
Pengaruh Nilai Tukar Rupiah, Harga Internasional Kakao dan Jumlah Produksi Kakao Terhadap Volume Ekspor Kakao: Penelitian Intan Harahap
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.5125

Abstract

This study aims to analyze the influence of the rupiah exchange rate, international cocoa prices, and cocoa production volume on Indonesia's cocoa export volume from 2004 to 2023. This research employs a quantitative method using secondary time series data sourced from the Central Statistics Agency (BPS), Bank Indonesia, and the International Cocoa Organization (ICCO). The analysis method used is the Error Correction Model (ECM), preceded by stationarity and cointegration tests. The results indicate that in the long term, the rupiah exchange rate has a negative and significant effect on cocoa export volume (t-statistic –2.174528; prob. 0.0450), while international cocoa prices (t-statistic 0.687522; prob. 0.0016) and cocoa production volume (t-statistic 2.594265; prob. 0.0196) have a positive and significant effect. In the short term, the rupiah exchange rate has a negative effect, while international cocoa prices and cocoa production have a positive effect on export volume. Simultaneously, all three variables significantly influence cocoa export volume with an F-statistic of 7.964367 (long term) and 3.121247 (short term). The coefficient of determination (R²) is 59.89% in the long term and 47.13% in the short term, indicating that the rupiah exchange rate, international cocoa prices, and cocoa production volume can explain variations in Indonesia's cocoa export volume.
Analisis Pengaruh PDRB, Angkatan Kerja dan Jumlah Penduduk Terhadap Kemiskinan Provinsi Sumatera Utara Tahun 2001-2020 Bernando Aldo Yosua Tambunan; Elisabeth Silaban; Intan Harahap; Indra Maipita; Muammar Rinaldi
Journal of Humanities Education Management Accounting and Transportation Vol. 1 No. 2 (2024): Agustus 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/hemat.v1i2.2699

Abstract

Poverty is a condition that has not and has never been resolved on this earth. People who are still in poverty are still found in many countries, even in developed countries the phenomenon of poverty is a serious problem. The purpose of this study was to analyze the effect of Gross Regional Domestic Product (GRDPHB), Labor, Population on Poverty in North Sumatra Province. The analysis used in this study is a time series data analysis model, with secondary data for 2001-2020 obtained from the Central Bureau of Statistics (BPS) of North Sumatra.The results obtained from this study are; In the short term, the variables of GRDPHB (LNX1), Labor Force (LNX2), and Total Population do not have a significant effect on Poverty in North Sumatra Province. However, the Error Correction Term (ECT) is significant in the short run, which indicates an adjustment towards the long-run equilibrium after a shock; In the long run, the GRDP variable (LNXI) has a negative and significant effect on Poverty in North Sumatra Province. Meanwhile, the variables of Labor Force (LNYX) and Total Population are not significant. The Error Correction Model (ECM) used in this study can explain about 87% of the variation in the Poverty variable in North Sumatra Province.
Peranan Penerimaan Negara Bukan Pajak Dalam Pendapatan dan Belanja Negara Fikri Ardiansyah Pulungan; Bernando Aldo Yoshua; Intan Harahap; Eko Wahyu Nugrahadi; Muammar Rinaldi
Journal of Management Accounting, Tax and Production Vol. 2 No. 1 (2024): Maret 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/mantap.v2i1.1599

Abstract

Pendapatan pemerintah selain pajak merupakan salah satu sumber penerimaan negara. Untuk mencapai tujuan negara yang dituangkan dalam UUD 1945, pemerintah menyelenggarakan urusan pemerintahan dan pembangunan negara. Penerimaan Negara Bukan Pajak (PNBP) merupakan salah satu penyumbang pendapatan nasional yang sangat penting. Selain penerimaan negara lainnya, PNBP juga menjadi penopang keuangan negara.. Sayangnya, informasi mengenai PNBP masih sebatas pencatatan hasil dan informasi pendukung untuk mencapai tujuan tersebut. Situasi ini membuat  PNBP sulit dipahami di kalangan masyarakat. Dengan begitu luasnya cakupan Penerimaan Negara Bukan Pajak, yang banyak disorot hanya sebatas skor dan proses terjadinya gol saja. Secara keseluruhan, pendapatan negara bukan pajak memiliki peran yang penting dalam mendukung keuangan negara dan pertumbuhan ekonomi. Dengan pengelolaan yang baik dan penggunaan yang tepat, pendapatan ini dapat memberikan manfaat jangka panjang bagi pemerintah dan masyarakat secara keseluruhan.
Hubungan Antara Fertilitas, Mortalitas dan Migrasi Terhadap Laju Pertumbuhan Penduduk di Indonesia Bernando Aldo Yosua Tambunan; Fildzah Darayani; Intan Harahap
Journal of Management Accounting, Tax and Production Vol. 2 No. 2 (2024): September 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/mantap.v2i2.2885

Abstract

Banyak aspek pembangunan yang terkena dampak signifikan dari pertumbuhan penduduk. Menurut teori Malthus, laju pertumbuhan penduduk dapat dikendalikan dengan menurunkan angka kelahiran (preventive check) dan proses kematian (positif check). Penentu utama laju pertumbuhan penduduk adalah migrasi, kematian, dan kesuburan. Selain migrasi keluar dan masuk, menurunnya kesuburan dan meningkatnya angka kematian juga dapat menghambat perluasan populasi. Variasi variabel-variabel ini sangat penting dalam mengendalikan laju pertumbuhan penduduk Indonesia. Misalnya, penurunan kesuburan melalui Program Keluarga Berencana telah berkontribusi pada stabilisasi pertumbuhan penduduk. Selain itu, angka kematian yang lebih baik dicapai melalui peningkatan akses terhadap layanan kesehatan, dan hal ini berdampak pada laju pertumbuhan penduduk. Migrasi juga mempengaruhi pertumbuhan penduduk, namun dalam konteks pertumbuhan demografi, hubungan tersebut belum tentu signifikan. Dampak migrasi internal dan eksternal terhadap pola pertumbuhan penduduk berbeda-beda di seluruh Indonesia, bergantung pada faktor eksternal termasuk kondisi sosial dan ekonomi. Dengan mempertimbangkan semua hal, merancang strategi yang berhasil untuk mengendalikan peningkatan populasi yang berkelanjutan memerlukan pemahaman menyeluruh tentang hubungan antara kesuburan, kematian, migrasi, dan faktor eksternal lainnya.
Implementation of Ethics and Morals in Business Goals in the Global Era Intan Harahap; Khairani Matondang; Putri Yohana Tobing; Raymond P Siboro
AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Vol. 3 No. 1 (2024): January 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/aurelia.v3i1.1512

Abstract

In carrying out business, of course business ethics is very necessary in order to achieve predetermined business goals. Business activities that are based on ethics are businesses that are carried out based on good methods and ways of thinking that are in accordance with the logic and aesthetics that develop in society. Business ethics are standards of values that serve as guidelines or references for managers and all employees in making decisions and operating an ethical business. The ethical and business paradigms are different worlds, it is time to change them to an ethical paradigm related to business or synergize ethics with profit. Good business is not just a profitable business. Good business is also business that is ethically and morally good, especially entering global business prospects.