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All Journal Ensiklopedia Education Review Al-Hijrah: Journal of Islamic Economics and Banking
Erniwati Erniwati
Universitas Sumatera Barat
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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TINJAUAN ATAS PARIWISATA DAN PERLINDUNGAN HUKUM DAFTAR BIDANG USAHA TERTUTUP TERBUKA UNTUK INVESTASI Gokma Toni Parlindungan S; Erniwati Erniwati
Ensiklopedia Education Review Vol 5, No 1 (2023): Volume 5 No 1 April 2023
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eer.v5i1.1683

Abstract

The existence of tourism in an area can be said to be a complex phenomenon in society. Here there is an attraction between tourist areas that have an attraction, the community or local residents, and the tourists themselves. Each tourist area certainly has its own charm to be visited by tourists. The problem of the attractiveness of tourist destinations really depends on the tastes of the tourists themselves, so managers or the local community must indirectly try to meet the tastes of visitors so that tourism in their area can be well received and enjoyed by tourists. The existence of trade both nationally and internationally ultimately encourages the growth of industries such as hotels, recreation areas and culinary tourism, of course. This is the main activity of regional tourism development. Not only culture is being sold, but also local wisdom and regional uniqueness. Modern tourism destinations are very complex and very capitalistic, thus modern tourism management must use accurate and measurable business management. The objective of organizing investment can only be achieved if the supporting factors hindering the investment climate can be overcome, among others by improving coordination between central and regional government agencies, creating an efficient bureaucracy, legal certainty in the investment sector, highly competitive economic costs, and a conducive business climate in the field of employment and business security. Determination of business fields, both closed and open for investment purposes has a very important meaning in the framework of investment in Indonesia. Keywords: Tourism, Legal Protection, Investment.
Financial Literacy And Income On Interests In Saving Tiara Wirda Yunengsih; Novi Yanti; Erniwati Erniwati; Abdul Rahim A; Anisa Marseli
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 2 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i2.560

Abstract

This study aims to determine the effect of financial literacy and income on the interest in saving at PT. BPR Tri Capital Investama (TCI) West Sumatra. The population in this study was the North Pariaman District Community with a total sample of 100 respondents, where the research data was obtained through a questionnaire which was then processed using an instrument test, data analysis techniques using the classical assumption test, multiple linear regression analysis, hypothesis testing and determination of the R2 coefficient. The results of the t test study show that (1) financial literacy has no significant effect on the intention to save with a t value of 1.937 < t table 1.98 with a significance value of 0.056 > 0.05, and (2) income has a significant effect on the intention to save by the calculated t value is 6.697 > 1.98 with a significance value of 0.000 < 0.05. The results of the f test show that (3) financial literacy and income simultaneously (together) affect the intention to save the t-count value of 6.697 > 1.98 with a significance value of 0.000 <0.05. The determination of 40.1% while the remaining 59.9% is influenced by variables other than the independent variables in the study. It is hoped that the people of North Pariaman Subdistrict will be able to increase awareness of the importance of financial literacy, and also be more proactive in studying existing financial aspects to maintain and manage finances in the future.
Co-Authors Abdul Rahim A Anisa, Anisa Marseli Gokma Toni Parlindungan Novi Yanti Tiara Wirda Yunengsih