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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Manajemen dan Ekonomi Kreatif
Natasha Claudia Ambarita
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Penggunaan Qris Sebagai Sistem Cashless Dalam Meningkatkan Efisiensi Transaksi Umkm di UPN “Veteran” Jawa Timur Arief Bachtiar; Mohhammad Wesla Dhifayana Sukirman; Natasha Claudia Ambarita; Diva Delia Rossa Nicolas; Vinda Cendrawati; Wardah Fadiah Salsabila
Jurnal Manajemen dan Ekonomi Kreatif Vol. 2 No. 1 (2024): Januari : Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v2i1.285

Abstract

The era of the digital economy, known as the fourth industrial revolution, has brought significant technological advances, especially in the field of digital payment systems. Although this system has advantages and disadvantages, this system is generally superior to other payment systems. It is importat to note that the presence of a digital payment system does not mean eliminating physical cash. Carrying out research regarding the use of QRIS for MSMEs in the UPN “Veteran” East Jawa canteen uses a quantitative apporach to collect and analyze data related to the efficiency of MSME transactions in the UPN Veteran East Jawa canteen using QRIS as an electronic payment method. The sample for this research was taken randomly from MSMEs in the UPN “Veteran” East Jawa canteen. Directly from the knowledge of business actors to the obstacles faced, this discussion chapter discusses in detail the key findings that emerged during the research process.1. business Actors’ Knowledge of Qris. 2. Benefits of QRIS for Business Actors. 3. Barriers to Business Actors in Using QRIS. 4. Practical Implications and Recomendations. 5.Ease and Speed of Transactions. 6. Cheaper Transaction Fees. 7. Improved Transaction Records. 8. Inflation Control and Monitoring of Goods Prices
DEMAND ANALYSIS OF SUBSIDIZED MORTAGAGE LOANS IN EAST JAVA Natasha Claudia Ambarita; Sishadiyati
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 10 (2024): SEPTEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v3i10.556

Abstract

To serve the housing needs of low-income people, the government provides a Subsidized Mortgage Loans program. Demand for subsidized mortgage loans in East Java is relatively low, while the population is growing every year. This is inseparable from the influence of several external factors. The purpose of the study is to analyze how the influence of Non Performing Loan (NPL), Inflation and Per Capita Income on Demand for subsidized mortgage in East Java. This research uses a quantitative approach in the form of time series from 2010-2023. In this study, multiple linear regression was used to test the effect of independent variables (NPL, Inflation and Per Capita Income) on the dependent variable (demand for subsidized mortgage loans in East Java). So the research results obtained that simultaneously the independent variables (NPL, Inflation and Per Capita Income) affect the dependent variable (demand for subsidized mortgage loans in East Java). Partially, only the NPL and per capita income variables have a positive and significant effect on the demand for subsidized mortgage loans in East Java, while the inflation variable has no significant effect on the demand for subsidized mortgage loans in East Java.
Co-Authors Arief Bachtiar Diva Delia Rossa Nicolas Mohhammad Wesla Dhifayana Sukirman Sishadiyati Vinda Cendrawati Wardah Fadiah Salsabila