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Rifai, Ahmad
Agribusiness Department, Faculty Of Agriculture Riau University, Indonesia
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemistry Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Social Sciences Transportation

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Analisis Perbandingan Biaya Transaksi dan Persepsi Peminjam terhadap Prosedur Peminjaman pada Lembaga Keuangan di Kecamatan Bantan Kabupaten Bengkalis Muhammad Zakri; Ahmad Rifai; Kausar Kausar
JIP ( Jurnal Industri dan Perkotaan ) Vol 17, No 1 (2021)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

Sektor keuangan di Indonesia merupakan salah satu sektor yang memiliki peranan penting dalam mendorong peningkatan perekonomian nasional dan ekonomi masyarakat. Masih banyak lembaga keuangan yang membuat sulit dan memberatkan perekonomian masyarakat, karena harus membayar biaya transaksi yang lebih mahal. Semakin tinggi biaya transaksi maka semakin tidak efisien suatu lembaga keuangan. Kecamatan Bantan Kabupaten Bengkalis merupakan salah satu kecamatan yang memiliki beberapa lembaga keuangan diantaranya adalah Bank BRI, UPK Bantan Pesisir dan Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera. Penelitian ini bertujuan untuk: pertama mengetahui prosedur peminjaman. Kedua, menghitung total besaran biaya transaksi. Ketiga menganalisis persepsi peminjam terhadap prosedur peminjaman pada masing-masing lembaga keuangan. Penelitian ini menggunakan metode survei dan teknik pengambilan sampel yang digunakan adalah purposive sampling, jumlah sampel 30 dimana masing-masing lembaga keuangan di ambil 10 sampel. Hasil penelitian menunjukkan bahwa Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera memiliki proses prosedur pinjaman yang paling banyak dan panjang yaitu sebanyak 10 prosedur, peminjam lebih efisien menggunakan prosedur peminjaman pada Bank BRI dan UPK Bantan Pesisir. Bank BRI jenis pinjaman KUR lebih efisien dalam penetapan biaya transaksi karena total biaya transaksi lebih kecil dibanding lembaga keuangan lainnya. Persepsi peminjam terhadap prosedur peminjaman pada Bank BRI mendapatkan skor rata-rata dengan kategori sangat baik, sedangkan UPK Bantan Pesisir mendapatkan skor rata-rata dengan kategori baik, dan Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera mendapatkan  skor rata-rata dengan kategori baik. Namun masih terdapat kekurangan pada variabel kecepatan pelaksanaan di lembaga keuangan Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera, peminjam berpendapat bahwa masih banyak hambatan dalam pencairan dana seperti lambatnya proses pencairan dana pinjaman.
Analisis Perbandingan Biaya Transaksi dan Persepsi Peminjam Terhadap Prosedur Pinjaman Kredit pada Lembaga Keuangan Novita Prima Sari; Ahmad Rifai; Didi Muwardi
JIP ( Jurnal Industri dan Perkotaan ) Vol 16, No 2 (2020)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

Financial institutions have many forms, procedures and types, but not all financial institutions can ease the community's economy. There are still many financial institutions that make it difficult and burdensome for the people's economy. Before getting a loan the borrower must go through various procedures that have been set. This research was conducted with the aim of identifying the components of transaction costs, analyzing the value of transaction costs, comparing the total transaction costs imposed on each financial institution and analyzing the borrowers' perceptions of credit loan procedures in Bunga Raya Village, Bunga Raya District, Siak Regency. The village has three financial institutions namely BUMKam Bungaraya, UPK Maju Bersama Bungaraya and BRI Bank Raya Raya units. Descriptive analysis is used to identify components and calculate transaction cost values. Transaction cost analysis is used to compare the analysis of transaction cost. Analysis of borrower's perception is measured using an ordinal scale, which is guided by the Likert's Summated Rating Scale (LSRS). The results of the study explained that there were differences in the components and magnitude of transaction costs at each financial institution in Bunga Raya Village. The smallest total transaction costs are the BRI Bank Bunga Raya unit and the borrower's perception of the BUMKam Bungaraya credit loan procedure gets an average score in the good category, UPK Maju Bersama Bungaraya has a good average score and the BRI Bank Bunga Raya Unit has an average average score.
Analisis Hubungan Modal Intelectual (Intellectual Capital) Terhadap Kinerja Keuangan BUM Desa Di Kecamatan Seberida Kabupaten Indragiri Hulu Mira Sandrana; Ahmad Rifai; Kausar Kausar
JIP ( Jurnal Industri dan Perkotaan ) Vol 16, No 2 (2020)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

Intellectual Capital is applied experience, organizational technology, customer relations, and expertise that can create a competitive advantage for BUM Desa which is aimed at administrators in managing BUM Desa, and to what extent affects the management of Intellectual Capital on the performance of BUM Desa, which can be managed with innovation, collaboration and good human resources. owned. This study aims to describe the performance of BUM Desa administrators with the suitability of BUM Desa financial reports conducted in Titian Resak Village, Seresam Village ,and Petala Bumi Village, Seberida District, Indragiri Hulu Regency. The method used in this research is the survey method and research respondents. The results of this study indicate that intellectual capital and financial performance have a very tied and balanced relationship. BUM Desa, Seberida Subdistrict, which has the highest variable, is relational capital, which shows the attitude of the BUM Desa management and leadership helping each other. The highest dimension is relationships with customers who receive criticism and suggestions from BUM Desa customers. Based on the financial performance of BUM Desa, ROA, which has an average of 1.38 with a very good category. ROE (Return On Equity) which has an average value of 8.48% in the "good enough" category. The ratio of BOPO (Operational Costs and Operating Income) which has an average value of 87.88% is in the "very good" category. So that BUM Desa has high intellectual capital, its financial performance is also good and those that have low value, the financial performance is not good.
ANALYSIS OF TRANSACTION COSTS AND BORROWER'S PERCEPTIONS COMPARISON TOWARD LOAN PROCEDURES IN FINANCIAL INSTITUTIONS IN RIMBA MELINTANG SUB-DISTRICT ROKAN HILIR REGENCY Cyntiana Tetsa Putri; Ahmad Rifai; Kausar Kausar
JIP ( Jurnal Industri dan Perkotaan ) Vol 17, No 2 (2021)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

Poverty is one of the basic problems that Indonesia is still facing. In response to this, the government issues a policy to improve the economic capacity of the community, through financial institutions as a source of capital. Financial institutions have different goals and motivations, so they have some differences in the determination of lending procedures and transaction fees applied, which will affect the perceptions of borrowers. This research is conducted at the BRI financial institution and Sharia Cooperatives (BMT AGROMADANI) in Rimba Melintang Sub-district, Rokan Hilir Regency. This study aims to: First, to identify lending procedures. Second, to analyze the comparison of the amount of transaction costs. Third, to analyze the perception of the borrower. This study uses a survey method with the sampling technique used is purposive sampling and the number of samples used in this study as many as 10 borrowers taken from each of the financial institutions. The results of the study explain that the more procedures or stages that are applied, the financial institutions will take longer to process loan or financing activities. BRI financial institution is more efficient in determining transaction costs incurred by borrowers of Rp. 559,800, compared to the Sharia Cooperative financial institution (BMT AGROMADANI) of Rp. 1,298,000. The average variable of borrowers' perceptions of lending procedures in BRI financial institution is in the score range of 93.66 with very good assessment criteria, while the Sharia Cooperative financial institution (BMT AGROMADANI) is in the score range of 81.66 with good assessment criteria.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEDALAMAN JANGKAUAN (DEPTH OF OUTREACH) LEMBAGA KEUANGAN MIKRO (LKM) UED-SP DI KECAMATAN RAMBAH KABUPATEN ROKAN HULU Siswanto Siswanto; Eri Sayamar; Ahmad Rifai
Jurnal Ilmiah Pertanian Vol. 14 No. 1 (2017): Jurnal Ilmiah Pertanian
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jip.v14i1.951

Abstract

This study analyses the factors affecting the depth of outreach of Microfinance Institutions (MFIs) of UED-SP at Rambah Sub-district Rokan Hulu District. Factors thought to influence the depth of outreach is age of UED-SP, ROA, percent of trading sector clients, percent of agriculture sector clients and number of woman clients. The sampling method is done using by purposive sampling. This study obtained a sample of twelve UED-SPs in the village at Rambah District from in the period of 2012-2015. The data used is secondary data form pooled data. Data were obtained based on the financial reports of each of the samples. This study uses quantitative approach with analysis technique used is multiple linear regression analysis with fixed effect method of pooled data that were previously tested with the classical assumption test. Hypothesis testing using t-statistic and the F-statistic with 95% confidence level. Based on the classic assumption test found no variables that deviate. This shows that the available data has been qualified using the linear regression equation model. The results of this study show that depth of outreach are statistically significant infiuenced by age of UED-SP. However, it’s negatively affect on depth of outhreach. Whereas ROA, number of woman borrower, percent of agriculture sector clients and percent of trading sector clients has no affect on depth of outhreach. Predictive ability of these five variables on the depth of outhreach is 77,66 percent, while the 22,34 percent influenced by other factors not included in the research model.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEDALAMAN JANGKAUAN (DEPTH OF OUTREACH) LEMBAGA KEUANGAN MIKRO (LKM) USAHA EKONOMI DESA SIMPAN PINJAM (UED-SP) DI KECAMATAN KUNTO DARUSSALAM KABUPATEN ROKAN HULU Dita Putri Nitami; Ahmad Rifai; Roza Yulida
Jurnal Ilmiah Pertanian Vol. 12 No. 1 (2015): Jurnal Ilmiah Pertanian
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jip.v12i1.1272

Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi kedalaman jangkauan (depth of outreach) LKM UED-SP di Kunto Darussalam Kabupaten Rokan Hulu. Jenis data yang digunakan dalam penelitian ini adalah data sekunder yang berasal dari laporan keuangan LKM UED-SP Kecamatan Kunto Darussalam, laporan Badan Pusat Statistik (BPS), jurnal-jurnal ilmiah serta instansi lainnya yang mendukung penelitian ini. Metode analisis data yang digunakan adalah analisis statistik deskriptif dan analisis regresi linear berganda yaitu Ordinary Least Square (OLS). Penelitian ini menggunakan pendekatanfixed effect method (FEM) dan alat bantu yang digunakan adalah software Eviews 9.Hasil analisis data menunjukkan bahwa secara bersama-sama (uji F-statistik) hasil estimasi menunjukkan bahwa keenam variabel independen (umur lembaga (AGE) ), return on assets (ROA), rasio pinjaman sektor pertanian (AVL), capital adequacy ratio (CAR), persentase peminjam perempuan (POWB) )dan jumlah peminjam sektor dagang (DAGANG) ) berpengaruh signifikan terhadap kedalaman jangkauan (depth of outreach).Secara parsial (uji t-statistik), dari enam variabel independen yang digunakan dalam penelitian ini, hanya dua variabel independen (umur LKM UED-SP (AGE), dan proporsi jumlah pinjaman sektor pertanian (AVL) ) yang berpengaruh secara signifikan terhadap kedalaman jangkauan (depth of outreach). Hasil uji koefisien determinasi (R2) menunjukkan nilai R2 adalah sebesar 0,9552 yang artinya 95,52% variasi kedalaman jangkauan (depth of outreach) dapat dijelaskan oleh variasi umur LKM UED-SP (AGE), return on assets (ROA), proporsi jumlah pinjaman pertanian (AVL), capital adequacy ratio (CAR) proporsi jumlah peminjam perempuan (POWB) and proporsi jumlah peminjam dagang (DAGANG). Sedangkan sisanya sebesar 4,48% dapat dijelaskan oleh variabel lain yang tidak dimasukkan kedalam model
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEDALAMAN JANGKAUAN (DEPTH OF OUTREACH) LEMBAGA KEUANGAN MIKRO (LKM) UED-SP DI KECAMATAN RAMBAH KABUPATEN ROKAN HULU Ahmad Rifai; Siswanto Siswanto; Eri Sayamar
SEPA: Jurnal Sosial Ekonomi Pertanian dan Agribisnis Vol 14, No 1 (2017): SEPTEMBER
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (437.647 KB) | DOI: 10.20961/sepa.v14i1.21052

Abstract

Abstract : This study analysis the factors affecting the depth of outreach ofMicrofinance Institutions (MFIs) of UED-SP at Rambah Sub-district Rokan HuluDistrict. Factors thought to influence the depth of outreach is age of UED-SP, ROA,percent of trading sector clients, percent of agriculture sector clients and number ofwoman clients. The sampling method is done using by purposive sampling. This studyobtained a sample of twelve UED-SPs in the village at Rambah District from in theperiod of 2012-2015. The data used is secondary data form pooled data. Data wereobtained based on the financial reports of each of the samples. This study usesquantitative approach with analysis technique used is multiple linear regressionanalysis with fixed effect model of pooled data that were previously tested with theclassical assumption test. Hypothesis testing using t-statistic and the F-statistic with95% confidence level. Based on the classic assumption test found no variables thatdeviate. This shows that the available data has been qualified using the linearregression equation model. The results of this study show that depth of outreach arestatistically significant infiuenced by age of UED-SP. However, it’s negatively affecton depth of outhreach. Whereas ROA, number of woman borrower, percent ofagriculture sector clients and percent of trading sector clients has no affect on depth ofouthreach. Predictive ability of these five variables on the depth of outhreach is 77,66percent, while the 22,34 percent influenced by other factors not included in theresearch model. Abstrak : Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhikedalaman jangkauan (Depth of Outrech) pada LKM UED-SP di Kecamatan RambahKabupaten Rokan Hulu. Faktor-faktor yang diduga berpengaruh terhadap kedalamanjangkauan adalah umur UED-SP, rasio pengembalian aset (ROA), jumlah peminjamwanita, proporsi peminjam sektor pertanian dan proporsi peminjam sektor perdagangan. Metode pengambilan sampel dilakukan dengan menggunakan purposive sampling. Dalam penelitian ini diperoleh sampel sebanyak 12 LKM UED-SP di Desa/Kelurahan yang ada di Kecamatan Rambah dan data yang dihimpun adalah 4 tahun dari tahun 2012-2015. Data yang digunakan adalah data sekunder data panel. Data diperoleh berdasarkan laporan keuangan dari masing-masing sampel. Teknik analisis yang digunakan adalah analisis regresi linear berganda data panel dengan model Fixed Effect (FEM) yang sebelumnya diuji dengan uji asumsi klasik. Uji hipotesis menggunakan t-statistik serta F-statistik dengan tingkat kepercayaan 95%. Berdasarkan uji asumsi klasik tidak ditemukan variabel yang menyimpang. Hal ini menunjukkan bahwa data yang tersedia telah memenuhi syarat menggunakan model persamaan linear berganda. Hasil penelitian menunjukkan bahwa variabel umur UEDSP berpengaruh signifikan terhadap kedalaman jangkauan. Namun berpengaruh negatif terhadap kedalaman jangkauan. Kemampuan prediksi kelima variabel tersebut terhadap kedalaman jangkauan adalah 77,66 persen, sedangakan 22,34 persen dipengaruhi oleh faktor lain yang tidak dimasukkan ke dalam model penelitian.
Comparative Analysis of Income on Palm Oil Production Between the Land Application (LA) and Non Land Application (NLA) Waste Management in Lubuk Dalam Estate Of PTPN V, Siak District, Riau Province, Indonesia E Tety; A Rifai; TH Rasyid; Yeni Kusumawaty; S Tarigan
AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Vol. 5 No. 3 (2021)
Publisher : Asia Pacific Network for Sustainable Agriculture, Food and Energy (SAFE-Network)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (324.365 KB) | DOI: 10.29165/ajarcde.v5i3.75

Abstract

This study aimed to compare the level of income on the production of Fresh Fruit Bunches (FFB) for Land Application (LA) and Non-Land Application (NLA) fields. The data used was secondary data from the company in terms of information on the area of palm oil plantations, palm oil production, waste production, and the spread of palm oil liquid waste. Data analysis applied analysis of production, depreciation, cost analysis, revenue, net income, and production efficiency. Based on the results of the study, FFB income in PTPN V Lubuk Dalam Estate from Land Application (LA) field was IDR 51,816,821 / ha/year, which was higher than the income from the Non-Land Application (NLA) field of IDR 33,073,190 / ha/year. In conclusion, PTPN V Lubuk Dalam Estate received higher income by applying LA waste management compared to Non-Land application (NLA).
ANALISIS KINERJA PASAR KARET (Hevea Brasiliensis) DI KECAMATAN KELAYANG KABUPATEN INDRAGIRI HULU aldo mulya dharma; Ahmad Rifai; Evy Maharani
Jurnal Agribisnis Vol. 21 No. 1 (2019): Jurnal Agribisnis
Publisher : UNIVERSITAS LANCANG KUNING

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (762.138 KB) | DOI: 10.31849/agr.v21i1.2852

Abstract

Kecamatan Kelayang adalah salah satu kecamatan yang memiliki luas areal perkebunan karet terluas yang ada di Kabupaten Indragiri Hulu, dengan luas areal perkebunan karet dikecamatan Kelayang ialah 13.066 (Ha). Penelitian ini bertujuan untuk menganalisis pemasaran karet berdasarkan saluran pemasaran dan kinerja pasar. Penelitian ini dilakukan di Kecamatan Kelayang, Kabupaten Indragiri Hulu. Penelitian ini dilakukan menggunakan metode survei. Objek penelitian adalah pedagang, pedagang besar dan lembaga pemasaran yang terlibat dalam pemasaran karet dari produsen ke konsumen akhir (pabrik) di lokasi penelitian. Jumlah sampel pedagang yang ditentukan dalam penelitian ini menggunakan metode sensus. Responden dalam penelitian ini adalah pedagang karet dengan total responden 42, total pedagang pengumpul 38, dan 4 pedagang besar. Hasil dari penelitian ini adalah (1) saluran pemasaran karet yang terdiri dari dua saluran: saluran pemasaran I dari petani, pengumpul, pedagang besar dan pabrik, dan saluran pemasaran II dari petani, pengumpul dan pabrik. ; (2) kinerja pasar di saluran pemasaran I menghasilkan marjin pemasaran sebesar Rp2.077,01 / kg, dan saluran pemasaran II Rp. Rp 2.058,8 / kg, efisiensi pemasaran saluran pemasaran sebesar 13,25%, dan saluran pemasaran II 8,84%. Saluran pemasaran saham petani I adalah 78,30%, dan saluran pemasaran II adalah 78,17%. Kinerja pasar dalam posisi tawar petani lemah karena harga ditentukan secara sepihak oleh pedagang, terutama di saluran I dan saluran II.
Analisis Produktivitas Pengolahan Minyak Kelapa Sawit Dengan Metode Marvin E. Mundel (Studi Kasus: PTPN V Sungai Pagar Kecamatan Kampar Kiri Kabupaten Kampar) Yuza Elfa Lestari; Ahmad Rifai; Didi Muwardi
Journal of Agribusiness and Community Empowerment (JACE) Vol. 2 No. 2 (2019): September
Publisher : Politeknik Pertanian Negeri Payakumbuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (284.142 KB) | DOI: 10.32530/jace.v2i2.66

Abstract

This research aims to know the productivity of palm oil processing, evaluated the productivity and give solutions  improved productivity of palm oil processing in PTPN V Sungai Pagar district of Kampar Kiri Kampar Regency. The productivity measurement method used is the Marvin E. Mundel method. Measurement of productivity by setting the month of January 2016 as the basis period of the partial results obtained the highest productivity index of 160.13percents February 2017 for depreciation, amounting to 132.16percents July 2016 for materials, amounting to 258.26percents January 2017 for labor, of 273.12percents January 2017 for energy, amounted to 263.04percents and September 2016 for maintenance.While the lowest partial productivity index of 93.93percents December 2017 for depreciation, amounting to 94.07percents February 2017 for the material, to 65.00percents June 2016 for labor, of 66.25percents, June 2016 for energy, and of 67.43percents April 2016 for maintenance.  The highest total productivity index was reached in February, 2017 of 133.70percents and lowest in February 2016 of 94.24percents.  Solutions for increasing the productivity of palm oil processing: 1) increasing the number of FFB processed by paying attention to the quality of the fruit to be received 2) improving control of employee work, 3) making service schedules for PKS machines and equipment, 4) processing activities carried out in accordance with the maximum hours of processing PKS, 5) repair of production floor and loading ramp, 6) hold socialization in KUD/farmer groups and communities around PKS area, 7) improve company relations with partners, and 8) make improvements to the division of work shifts.
Co-Authors aldo mulya dharma Awan Setiawan Cyntiana Tetsa Putri Didi Muwardi Dita Putri Nitami Dwi Febri Pamela E Tety Eka Rila Agustina Eri Sayamar Eri Sayamar Evy Maharani Fajar Restuhadi Kausar Kausar Kausar Mira Sandrana Muhammad Zakri Novita Prima Sari Ririn Agustiawati Roza Yulida S Tarigan Siswanto, Siswanto Sukri Rizki Ilahi TH Rasyid Yeni Kusumawaty Yuza Elfa Lestari