Ita Pingkan F. Rorong
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PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, TINGKAT INFLASI DAN PROUK DOMESTIK BRUTO TERHADAP PROFITABILITAS BANK UMUM DI INDONESIA MELALUI PENYALURAN KREDIT UMKM PERIODE 2015:Q.I – 2023:Q.IV Mario Y. F. Kaliling; Ita Pingkan F. Rorong; Dennij Mandeij
Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi Vol. 8 No. 8 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v8i8.5838

Abstract

Profitabilitas bank dipengaruhi oleh faktor internal maupun eksternal. Penelitian ini bertujuan untuk menguji pengaruh capital adequacy ratio (CAR), loan to deposit ratio (LDR), tingkat inflasi, dan Produk Domestik Bruto (PDB) terhadap profitabilitas, yang diukur melalui return on assets (ROA) pada bank umum di Indonesia melalui penyaluran kredit UMKM. Data diperoleh dari situs resmi Otoritas Jasa Keuangan dan Bank Indonesia, dengan data time series kuartalan selama 9 tahun. Metode analisis yang digunakan adalah Path Analysis dengan perangkat Eviews. Hasil penelitian menunjukkan bahwa dalam pengaruh langsung pada persamaan substruktur I, PDB berpengaruh positif dan signifikan terhadap penyaluran kredit UMKM; CAR dan tingkat inflasi memiliki hubungan negatif dan tidak signifikan terhadap penyaluran kredit UMKM; dan LDR memiliki hubungan positif namun tidak signifikan terhadap penyaluran kredit UMKM. Dalam persamaan substruktur II, CAR, LDR, dan tingkat inflasi memiliki hubungan positif dan signifikan terhadap ROA, sementara PDB memiliki hubungan positif namun tidak signifikan terhadap ROA, dan penyaluran kredit UMKM memiliki hubungan negatif dan tidak signifikan terhadap ROA. Pada pengaruh tidak langsung dengan penyaluran kredit UMKM sebagai variabel perantara, pengaruh CAR terhadap ROA menurunkan hasil pengaruh langsung tanpa mengubah arah hubungan kedua variabel, sementara pengaruh LDR, tingkat inflasi, dan PDB terhadap ROA menurunkan hasil pengaruh langsung dengan mengubah arah hubungan kedua variabel.
Determinan Pendapatan Pelaku UMKM di Kecamatan Sario Kota Manado Lidya Efraim; Ita Pingkan F. Rorong; Jacline I. Sumual
AT-TAKLIM: Jurnal Pendidikan Multidisiplin Vol. 2 No. 1 (2025): At-Taklim: Jurnal Pendidikan Multidisiplin (Edisi Januari)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/at-taklim.v2i1.80

Abstract

Penelitian ini bertujuan untuk menganalisis determinan pendapatan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Kecamatan Sario, Kota Manado, dengan fokus pada variabel modal usaha, jam kerja, dan lama usaha. Data yang digunakan dalam penelitian ini merupakan data primer yang dikumpulkan melalui kuesioner dan wawancara dengan pelaku UMKM di Kecamatan Sario. Metode analisis yang diterapkan adalah regresi linear berganda menggunakan software SPSS versi 27. Hasil penelitian menunjukkan bahwa variabel modal usaha memiliki pengaruh positif namun tidak signifikan terhadap pendapatan, yang mengindikasikan bahwa besarnya modal usaha tidak secara langsung memengaruhi pendapatan pelaku UMKM di Kecamatan Sario. Sementara itu, variabel jam kerja dan lama usaha memiliki pengaruh positif dan signifikan terhadap pendapatan, yang berarti bahwa semakin lama jam kerja dan semakin panjang pengalaman usaha, semakin besar pendapatan yang diperoleh oleh pelaku UMKM di daerah tersebut. Penelitian ini memberikan wawasan penting bagi pengusaha UMKM dan pembuat kebijakan dalam upaya meningkatkan pendapatan melalui pengelolaan waktu kerja dan pengalaman usaha.
Kajian Persepsi Masyarakat Pada Pembangunan Pariwisata DSP (Destinasi Super Prioritas) Terhadap Tingkat Pendapatan Masyarakat Pada Objek Wisata Danau Toba Ricchad Joy Samosir; Ita Pingkan F. Rorong; Dennij Mandeij
AT-TAKLIM: Jurnal Pendidikan Multidisiplin Vol. 2 No. 2 (2025): At-Taklim: Jurnal Pendidikan Multidisiplin (Edisi Februari)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/at-taklim.v2i2.118

Abstract

This research aims to determine the impact of the study of super priority destination tourism development on the level of community income at the Lake Toba tourist attraction. This research method is descriptive qualitative research, with the population of the community around Lake Toba (Samosir Regency) who are experiencing the impact of the development of super priority tourism destinations, using data collection techniques through answering questions (questionnaires) and literature study methods. The data analysis method uses Miles & Huberman's interactive model analysis, starting from data collection, data reduction, data presentation, to the process of drawing conclusions. The results of this research show that the existence of the Lake Toba super priority destination development program has had a good impact on the community. The community can experience an increase in income after this program exists on Lake Toba.  And with this super priority destination program, the community is also given the opportunity to receive training as business actors in the tourism sector, and the community is actively involved as a provider of suggestions and input in planning and developing Lake Toba as a super priority destination.
Pengaruh Indeks Pembangunan Manusia (IPM), Angkatan Kerja, dan Pengangguran Terhadap Tingkat Kemiskinan di Kabupaten Tana Toraja Rudo Tanyara Sumbung; Ita Pingkan F. Rorong; Irawaty Masloman
AT-TAKLIM: Jurnal Pendidikan Multidisiplin Vol. 2 No. 2 (2025): At-Taklim: Jurnal Pendidikan Multidisiplin (Edisi Februari)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/at-taklim.v2i2.123

Abstract

Tana Toraja Regency is one of the areas in South Sulawesi province that still faces poverty problems. Tana Toraja is a district whose poverty level is seventh out of a total of 24 districts/cities in South Sulawesi. This research aims to analyze the impact of HDI, AK, and P on poverty levels using time series data sourced from the Central Statistics Agency of Tana Toraja and South Sulawesi. The analysis was carried out using multiple linear regression with the Ordinary Least Square (OLS) method via Eviews 12 software. The results showed that HDI had a negative and insignificant relationship with poverty levels, which means that improving people's quality of life can reduce poverty levels., Labor Force showed a relationship positive and significant, indicating that increasing the number of the workforce has a direct impact on reducing poverty. Meanwhile, Unemployment has a positive and significant relationship, indicating that high levels of unemployment contribute to increasing poverty. Overall, these three variables together have a significant relationship to the level of poverty in Tana Toraja, underscoring the need for integrated policies in poverty alleviation efforts in this area.
Analisis Pengaruh Suku Bunga BI, Jumlah Uang Beredar, Tingkat Kurs Dan Produk Domestik Bruto (Pdb) Terhadap Tingkat Inflasi Di Indonesia Tahun 2015.3-2023.3 Figo Loindong; Ita Pingkan F. Rorong; Mauna Th. B. Maramis
AT-TAKLIM: Jurnal Pendidikan Multidisiplin Vol. 2 No. 2 (2025): At-Taklim: Jurnal Pendidikan Multidisiplin (Edisi Februari)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/at-taklim.v2i2.163

Abstract

Monetary policy is the action taken by the central bank to regulate the amount of money in the economy in order to achieve economic growth goals, including price stability, economic improvement, and adequate job creation. The importance of the inflation factor for Indonesia is undeniable because it has a major impact on the country's economic condition. By understanding the nature and triggers of inflation, researchers can provide valuable insights for monetary authorities to control the rate of inflation. The aim of this research is to determine the influence of BI interest rates, money supply, exchange rate and gross domestic product (GDP) on the inflation rate in Indonesia 2015.3-2023.3 Data analysis method is the ECM test, F test analysis shows a significant regression model, with variables such as the BI Interest Rate, Money Supply, and the Rp/USD Exchange rate significantly influence inflation. The high R-squared value and the absence of autocorrelation problems strengthen the validity of the model.
Peranan Objek Wisata Mooi Park Dalam Menambah Pendapatan Masyarakat Di Kelurahan Saoka Kota Sorong Provinsi Papua Barat Daya Alicia Margareicher Tinungki; Ita Pingkan F. Rorong; Krest D Tolosang
AT-TAKLIM: Jurnal Pendidikan Multidisiplin Vol. 2 No. 3 (2025): At-Taklim: Jurnal Pendidikan Multidisiplin (Edisi Maret)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/at-taklim.v2i3.186

Abstract

Mooi Park is one of the tourist attractions that is developing in Saoka, Sorong City, Southwest Papua, and has great potential to improve the economy of the local community. This research aims to analyze the role of the Mooi Park tourist attraction in increasing the income of the surrounding community.The method used is a qualitative descriptive approach with data collection techniques through observation, interviews and documentation. The research results show that the existence of Moooi Park has a positive impact on the economy of the community around the Mooi Park tourist attraction through various sectors, such as increasing business opportunities in the fields of tourism services and trade. Apart from that, the existence of this tourist attraction also creates new jobs that support improving the welfare of the surrounding community. With support from the government and tourism managers, Mooi Park has the potential to become a leading destination.
Analisis Pengaruh Indeks Pembangunan Manusia, Tingkat Kemiskinan, Dan Tingkat Pengangguran Terhadap Pertumbuhan Ekonomi Di Kota Sorong Provinsi Papua Barat Daya Tahun 2010-2023 Anjelly S. P. Way; Ita Pingkan F. Rorong; Krest D Tolosang
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 3 (2025): Jurnal Resit Multidisiplin Edukasi (Edisi Maret 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i3.175

Abstract

Economic development aims to improve the quality of life in various aspects, yet economic growth in Sorong City has shown a declining trend in recent years. This study aims to examine the impact of the Human Development Index (HDI), poverty rate, and unemployment rate on economic growth in Sorong City, addressing the research gap as there have been few studies on this topic. A time series data set spanning 10 years (2010-2023) was analyzed using multiple linear regression with SPSS 12. The findings indicate that HDI has a negative effect on economic growth, the unemployment rate has a positive effect, while the poverty rate does not significantly influence economic growth in Sorong City. These findings have important implications for designing more effective policies to promote sustainable economic growth in the region.