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Pengaruh Modal Usaha dan Teknologi Informasi Terhadap Pendapatan dengan Tingkat Pendidikan Sebagai Variabel Control (Studi Usaha Mikro Pada Industri Kuliner Warung Nasi Kota Ternate Tengah) Soleman, Riky; Abdulhak, Nahra
Jurnal Ekonomi dan Bisnis Islam (JEBI) Vol. 4 No. 2 (2024): September
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAMMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jebi.v4i2.3088

Usaha Kecil dan Menengah (UKM) di Indonesia merupakan salah satu prioritas dalam pengembangan ekonomi nasional yang menjadi tulang punggung sistem ekonomi kerakyatan dan mempunyai peran penting dan strategis bagi pertumbuhan ekonomi negara. Jenis penelitian ini menggunakan data primer atau subjek karena berupaya meneliti pengetahuan, kemampuan dan perilaku usaha mikro. Hasil dari penelitian ini adalah Modal usaha mempunyai pengaruh positif dan signifikan terhadap pendapatan usaha mikro indutri kuliner warung nasi di kecamatan Ternate Tengah. Teknologi informasi mempunyai pengaruh positif dan signifikan terhadap pendapatan usaha mikro indutri kuliner warung nasi di kecamatan Ternate Tengah. Variabel modal usaha dan teknologi informasi sebelum dan sesudah di tambahkan variabel kontrol tingkat pendidikan hasilnya tetap berpengaruh positif dan signifikan.

PENGARUH PERBANKAN SYARIAH DAN MONETER SYARIAH TERHADAP INFLASI INDONESIA PERIODE 2004-2021 Mulyadi, Sandi; Soleman, Riky; Imawan, Riswanda
Al-Hisab: Jurnal Ekonomi Syariah Vol 3 No 1 (2022): AL HISAB: Jurnal Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Baktiya Aceh Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59755/alhisab.v3i1.94

The problem of the pandemic and its impact on the health sector certainly has an impact on the economic sector which is also faced with an economic recession and one of the parts of the economy that is interesting to study is related to Indonesian inflation. Indonesia before and during the pandemic. Islamic banking uses DPK data and Islamic banking and monetary financing use SBIS and PUAS for Indonesia's inflation. The research method uses the Vector Correction Model (VECM) method using monthly time series data from 2004-2021. The results showed several findings, namely the long-term VECM test, the DPK, and PUAS variables had a positive effect, while the Islamic banking and SBIS financing variables had a negative effect on economic growth. In the future, inflation will stabilize against the shocks that occurred before and during the pandemic.

Kontribusi Variabel Makro Ekonomi (Studi Tentang Determinan Pertumbuhan Ekonomi di Indonesia 2010-2020). Soleman, Riky; Wau , Taosige; Lestari, Aulia
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 2 (2023): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n2.p79-91

This study uses a panel data analysis method in the form of a cross-section of 34 provinces in Indonesia with a time-series from 2010-2020. Followed by using quantitative method analysis with the Eviews 10 analysis tool. The results of the model specification test state that FEM (Fixed Effect Model) is the best choice model to use. It is known that from all the independent variables, only some have a positive influence on economic growth, such as PMDN, the number of poor people, and the consumer price index (CPI) having a positive direction. This positive influence is caused by education, health and increased investment so that it can encourage economic growth. Inflation has a principle which states that not everything has a negative impact on the economy. Such as mild inflation that can provide the realization of economic growth. However, the variables TPAK, RLS, AHH and Islamic Banking Financing have a negative direction on Indonesia's economic growth. So, in the context of increasing economic growth, it can be concluded that the presence of several indicators such as a quality and productive workforce, equitable education and health, socialization of sharia banking to the community is more conducive so that economic growth in Indonesia is increasing.

STRATEGI PEMASARAN KREDIT MANTAP PENSIUNAN TERHADAP MINAT NASABAH DI BANK MANDIRI TASPEN KCP KOTA TERNATE soleman, riky; Muhamad, Rival; Kaharuddin, Kaharuddin
J-ESA (Jurnal Ekonomi Syariah) Vol 6 No 2 (2023): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v6i2.1846

Penelitian ini membahas Strategi Pemasaran Kredit Mantap Pensiunan terhadap Minat Nasabah di Bank Mandiri Taspen KCP Kota Ternate. Ada beberapa hal yang dikembangkan di antaranya adalah strategi dalam pemasaran terhadap kredit yang lebih di utamakan kepada pelayanan khususnya pada pensiunan terutama pada pelayanan nasabah pensiun dengan mengutamakan tata krama dan sopan santun terlebihnya soal etika dan moral. Jenis penelitian yang digunakan adalah penelitian lapangan kualitatif deskriptif. Sumber penelitian yang digunakan adalah data primer dan sekunder. Tehnik pengumpulan data melalui observasi, wawancara, dan literatur yang ada kemudian diolah dan dianalisis. Hasil penelitian ini menunjukkan baha setiap tiga tahun pihak bank melakukan kunjungan kepada pegawai baik yang sudah pensiun dan masih aktif. Pihak bank juga melakukan strategi dengan menggunakan teknik sosialisasi ke Badan Kepegawaian Daerah (BKD) atau instansi terkait guna merangkum pensiunan secara umum. Tidak lepas dari itu pihak bank taspen juga melakukan marketing di setiap sekolah dengan menjual produk kredit pensiun maupun pra pensiun kedua minat nasabah terhadap kredit pensiunan cukup tinggi bahkan beberapa tahun lalu mandiri taspen mempunyai produk lima tahun pensiun yang dapat dilakukan pengajuan kredit namun dari ketentuan manajemen untuk diperbaharui, dengan hal tersebut kredit dapat dilakukan maksimal tiga tahun sebelum pensiun.

Interest of Sharia Banking Student IAIN Ternate (Study of Determinants in Choosing a Career in the Banking World) Nainggolan, Basaria; Soleman, Riky; Hidayat, Nurul Wahida; Marasabessy, Zainal Abidin
Jurnal Ekonomi dan Bisnis Islam (JEBI) Vol. 5 No. 1 (2025): Maret
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAMMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jebi.v5i1.3438

The aim of this research is to analyze the interest of IAIN Ternate Islamic Banking motivation influences career interest, whether work experience influences career interest, and whether social values influence career interest. Using Holland Theory is a theory that is often used to study and apply for career development. Based on the research results of respondentsstudents (a study that determines when choosing a career in banking) to find out whether work, work motivation influences career interest in sharia banking, work experience does not influence career interest in sharia banking and social values influence career interest in sharia banking

The Effect of HDI and Macroeconomic Variables on Economic Growth in Indonesia 2015-2020 Soleman, Riky; Ebiyeska, Hedi; Wibowo, Muhammad Ghafur; Nainggolan, Basaria
Jurnal Ilmu Ekonomi Terapan Vol. 7 No. 1 (2022)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v7i1.34641

The Human Development Index (HDI) measures the achievement of human development based on several basic components of quality of life. HDI is built through a basic three-dimensional approach to measure the quality of life. These dimensions include life expectancy and health, knowledge, and a decent life. Stable inflation is a prerequisite for the realization of economic growth and social welfare. Different economic conditions and natural conditions make inflation between regions in Indonesia varied. This study aims to examine HDI, inflation, investment and labor on Indonesia's economic growth. The data source used in the form of panel data that obtained from the Badan Pusat Statistik (BPS) for the 2015-2020 period. Using panel regression data with the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM) approach processed with E-Views 10. The results of this study indicate that the estimated model chosen in this study is Fixed Effect Models (FEM). The partial test shows that the HDI, CPI, and INV variables have a significant positive effect on economic growth. In contrast, the probability value of labor (L) does not have a significant effect on economic growth. Meanwhile, in the simultaneous test, the F-statistic probability value is 0.000000 < 0.05, which means that the four independent variables simultaneously affect economic growth. Furthermore, the Adjusted R-Square value is 0.0994749, which means 99% of the HDI, CPI, INV, and L variables in this study can explain the variation of economic growth variables. While the remaining 1% is explained by other variables outside the model.

Determinants of Poverty Rate in Eastern Indonesia Soleman, Riky; Soleman, Risky
Jurnal Ilmu Ekonomi Terapan Vol. 7 No. 2 (2022)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v7i2.39392

Poverty is a global issue faced by many countries in the world, including Indonesia. The purpose of this study is to examine the level of poverty in Eastern Indonesia by measuring Islamic banking financing, economic growth, LFPR, education and health and inflation against poverty levels in Eastern Indonesia. The data source used in the form of panel data is obtained from the Central Statistics Agency (BPS) for the 2011-2021 period. Data analysis using regression panel data with Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM) approach processed with E-Views 10. The results of this study indicate that the estimated model chosen in this study is Random The Effect Model (REM) followed by LM testing shows that the results of the Islamic Banking Financing, TPAK, RLS, UHH, and Inflation variables have no significant effect in a negative direction on the poverty level. negative. This means, for example, that there are independent variables simultaneously, so that the poverty level in Eastern Indonesia is increasingly leading to change. Meanwhile, in the simultaneous test the F-Statistic prob value is 0.000000 < 0.05, which means that the six independent variables simultaneously affect the poverty level in Eastern Indonesia. And the value of Adjusted R-Square is 0.607420 which means 60% of the variables of Islamic Banking Financing, economic growth, TPAK, RLS, UHH, and Inflation in this study are able to explain the variation of economic growth variables. While the remaining 40% is explained by other variables outside the model.

ANALISIS OBAT TRADISIONAL SEBAGAI MASLAHAT BAGI MASYARAKAT KONSUMTIF DALAM TINJAUAN HUKUM ISLAM (STUDI JAMINAN KEHALALAN) Desa Kaiyasa, Kecematan Oba Utara, Provinsi Maluku Utara Soleman, Riky; Mulyadi, Sandi; Imawan, Riswanda
Izdihar: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2022): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v2i2.2777

ABSTRACT Traditional medicine is a medicine from nature which is made in the form of leaves and sticks to provide a boost to the immune system. One of them is a drug that is often consumed by the community today is muscle pain medication. Because the people of kaiyasa village are getting old and vulnerable to old age, it is consumed by many people. In addition to old age, children also consume traditional medicine to maintain stamina, physical exercise and health. One of them is located in the village of kaiyasa. But in reality the community has not been able to provide new breakthroughs for traditional herbal medicines themselves, both in the scope of marketing, strategy, management to obtain certification guarantees from the halal certificate registration system to the Provincial LPPOM MUI. This study uses a quantitative approach, namely research that uses statistical analysis that focuses on hypothesis testing. This type of research was conducted to analyze traditional medicine as the benefit of the consumptive society. The results of this study indicate that based on the results of the analysis, the significance value of the user variable is 430 < Î± from 0.05 so it can be said that H0 is rejected and Ha is accepted, meaning that there is a significant effect on drug users' efficacy on the community. Based on the results of the analysis, the significance value of the behavioral variable for consuming traditional medicine is 030 < of 0.05 so it can be said that H0 is rejected and Ha is accepted, meaning that there is a significant effect on drug users' efficacy on the community.

ASURANSI SYARIAH : BAGAIMANA KEDEPANNYA? Soleman, Riky; Aryanti, Ririn Dwi; Ulfa, Nadya; Jufri, Achmad
Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i02.3461

Syarikat Takaful Indonesia (Takaful Indonesia) in 1994. The research method used in this research is literature study (Case Study) analyzing from books or various studies that have been done previously. This study aims to critically examine sharia insurance and what will happen in the future? The result of this research is that the birth of Takaful Indonesia as a holding company for PT Asuransi Takaful and PT Asuransi Takaful Umum, the first Life and General Sharia Insurance in Indonesia, is the result of commitment and concern for various elements of the nation towards the development of the sharia economy, especially sharia insurance in Indonesia. According to OJK data, as of November 2019, sharia insurance assets against conventional insurance showed a figure of 6.17% or Rp 44.75 trillion (OJK, 2019). To improve and enhance the promotion of the sharia insurance market, support from all parties, be it the government, industry and stakeholders, especially in an effort to increase sharia insurance literacy effectively and massively through socialization of public education.

KONTRIBUSI ISLAMIC BANKING FINANCING AND VARIABLES MACRO ECONOMIC TERHADAP TINGKAT KEMISKINAN DI INDONESIA Soleman, Riky
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 01 (2024): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i02.3856

Poverty is a global issue faced by many countries in the world, including Indonesia. The purpose of this study is to examine the level of poverty in Indonesia by measuring the financing of Islamic banking, education, health, TPAK and inflation against the level of poverty in Indonesia. The data source used is panel data obtained from the Central Bureau of Statistics (BPS) for the 2010-2020 period. Data analysis used panel data regression with Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM) Approach processed with E-Views 10. The results of this study indicate that the estimated model chosen in this study is Fixed The Effect Model shows the results of the Islamic Banking Financing, RLS, UHH, TPAK and Inflation variables that have a significant effect in a negative direction on the level of poverty for the RLS variable that has a simultaneous effect on the mission level while UHH has a significant effect in a negative direction. This means that if there are independent variables simultaneously, then the level of poverty in Indonesia is increasingly leading to change. Whereas in the simultaneous test the prob value of the F-Statistic is 0.000000 <0.05, which means that the five independent variables simultaneously influence the level of poverty in Indonesia. And the Adjusted R-Square value is 0.987540 which means that 90% of the Islamic Banking Financing, RLS, UHH, TPAK and Inflation variables in this study are able to explain the poverty rate variable in Indonesia. While the remaining 10% is explained by other variables outside the model.

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