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The Impact of the People's Business Credit (KUR) Programme on Entrepreneurship Development and Economic Growth in Indonesia Syamsu Rijal; Gracela Pinkan Antou
West Science Journal Economic and Entrepreneurship Vol. 2 No. 04 (2024): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v2i04.1407

The People’s Business Credit (Kredit Usaha Rakyat, KUR) program has been a significant government initiative in Indonesia, aimed at promoting entrepreneurship and stimulating economic growth, particularly among micro, small, and medium enterprises (MSMEs). This study examines the impact of the KUR program on entrepreneurship development and economic growth, using a quantitative analysis based on a sample of 100 MSME entrepreneurs who have received KUR loans. Data was collected through a survey utilizing a Likert scale (1-5) and analyzed using SPSS version 25. The results show that KUR funding positively impacts business expansion, innovation, and profitability, with a significant correlation between program participation and improvements in entrepreneurship development. Furthermore, the study highlights the program’s contribution to local economic growth through job creation and increased regional economic activity. The findings indicate that the KUR program is effective in fostering entrepreneurship, particularly in rural areas, and plays a crucial role in stimulating economic growth at the local level. The study provides valuable insights for policymakers to improve the program and further support MSMEs in Indonesia.

Analisis Rasio Keuangan Pada KSP Kopdit Suru Pudi Koting Gracela Pinkan Antou; Yuliana Anggreani Dua Delang Kolit; Thadeus Fransesco Quelmo Patty; Elisabeth Yessi Da Rato
Jurnal Projemen UNIPA Vol 12 No 2 (2025): Mei: Jurnal Projemen UNIPA
Publisher : Universitas Nusa Nipa Maumere

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/projemen.v12i2.991

Financial ratio analysis is essential for cooperatives to assess their financial performance over each period. This research aims to determine the values of liquidity ratios, solvency ratios, and profitability ratios at KSP Kopdit Suru Pudi Koting from 2020 to 2023. This study employs a quantitative approach. The type of data used is secondary data. The data analysis method employed is the use of financial ratios. The research findings indicate that: (1) The liquidity ratio measured by the Current Ratio at KSP Kopdit Suru Pudi from 2020 to 2023 fluctuated, tending to decline, and was in the 'Healthy' category (2020/2021) and the 'Unhealthy' category (2022/2023). (2) The value of the Solvency Ratio calculated using the Debt to Asset Ratio (DAR) and the Debt to Equity Ratio (DER) at KSP Suru Pudi for the period 2020-2023 fluctuates and tends to increase, falling within the 'Healthy' criteria. (3) The profitability ratios calculated using Return on Assets (ROA) and Return on Equity (ROE) at KSP Suru Pudi for the period 2020-2023 tend to decrease, falling within the 'Unhealthy' criteria.

The Impact of the People's Business Credit (KUR) Programme on Entrepreneurship Development and Economic Growth in Indonesia Syamsu Rijal; Antou, Gracela Pinkan
West Science Journal Economic and Entrepreneurship Vol. 2 No. 04 (2024): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v2i04.1407

The People’s Business Credit (Kredit Usaha Rakyat, KUR) program has been a significant government initiative in Indonesia, aimed at promoting entrepreneurship and stimulating economic growth, particularly among micro, small, and medium enterprises (MSMEs). This study examines the impact of the KUR program on entrepreneurship development and economic growth, using a quantitative analysis based on a sample of 100 MSME entrepreneurs who have received KUR loans. Data was collected through a survey utilizing a Likert scale (1-5) and analyzed using SPSS version 25. The results show that KUR funding positively impacts business expansion, innovation, and profitability, with a significant correlation between program participation and improvements in entrepreneurship development. Furthermore, the study highlights the program’s contribution to local economic growth through job creation and increased regional economic activity. The findings indicate that the KUR program is effective in fostering entrepreneurship, particularly in rural areas, and plays a crucial role in stimulating economic growth at the local level. The study provides valuable insights for policymakers to improve the program and further support MSMEs in Indonesia.

Faktor-Faktor Yang Mempengaruhi Kinerja Sistem Informasi Akuntansi Katharina Roswita Dua Sareng; Maria Nona Dince; Thadeus Fransesco Quelmo Patty; Gracela Pinkan Antou
JURNAL ONLINE INSAN AKUNTAN Vol 10 No 2 (2025): Jurnal Online Insan Akuntan (Desember 2025)
Publisher : Penelitian dan Pengabdian Masyarakat Universitas Bina Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51211/joia.v10i2.3708

Penelitian ini dilakukan pada KSP Kopdit Obor Mas Cabang Utama Sikka. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi kinerja sistem informasi akuntansi. Jenis penelitian yang digunakan adalah penelitian kuantitatif. Populasi penelitian adalah semua pihak yang bekerja pada KSP Kopdit Obor Mas Cabang Utama Sikka yang berjumlah 41 orang. sampel penelitian diambil 41 orang karena jumlah populasinya kurang dari 100 orang responden maka jumlah sampelnya diambil secara keseluruhan. Berdasarkan hasil penelitian, ditemukan bahwa partisipasi pengguna berpengaruh positif dan signifikan terhadap kinerja sistem informasi akuntansi, kemampuan teknik personal tidak berpengaruh terhadap kinerja sistem informasi akuntansi, program pendidikan tidak berpengaruh terhadap kinerja sistem informasi akuntansi.

Belis in Traditional Marriage Traditions in Sikka: An Accounting Perspective Gracela Pinkan Antou; Maria Mediatrix Ratna Sari
E-Jurnal Akuntansi Vol. 35 No. 11 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJA.2025.v35.i11.p10

Belis actually aims to elevate women's status. However, it becomes a problem because the demand for belis seems to be burdensome for men. The aim of the study was to find out the process of identifying, measuring and communicating belis for women in Sikka from an accounting perspective, using ethnographic studies and descriptive qualitative methods, with 4 respondents and purposive sampling techniques using the data analysis model of Spradley (1979). In identification, it is found that the stages of buying are equated with fixed costs and variable costs. It can be seen that the involvement of the parties is equivalent to the 3 levels of company management. The findings show that belis is not looking for profit and there is no provision for the value to be brought. Belis is given on the ability of men as a reward and is measured using fair value where the cost is adjusted to market prices that are beneficial in the future. Belis recording is not used as evidence of accounts payable but rather as a symbol. In the belis tradition, communication is formed from direct agreement. This research requires analysis in making decisions. This research can be used as information for couples who want to get married, especially men in preparing belis and add to the reader's insight about traditional marriages from an accounting perspective.

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