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All Journal Economic Reviews Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Hadija Laima
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Pengaruh Modal dan Biaya Produksi Terhadap Pendapatan UMKM di Kota Gorontalo Valentina Monoarfa; Safira Zatalia Putri Hikmah; Sri Ananda Dehimel; Syawa Oktarina Abdullah; Hadija Laima
Economic Reviews Journal Vol. 4 No. 2 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.720

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have an important role in the local economy, including in Gorontalo City. This study aims to analyze the effect of capital and production costs on MSME income in Gorontalo City. The research method used is a quantitative approach with data collection techniques through questionnaires distributed to 50 MSME actors. Data were analyzed using multiple linear regression. The results of the study indicate that capital and production costs have a positive and significant effect on MSME income. Capital contributes 50% to income, while production costs contribute 30%. Simultaneously, capital and production costs affect MSME income by 80%, while 20% is influenced by other factors outside this study. The implications of this study show the importance of capital management and production cost efficiency in increasing MSME income in Gorontalo City.
Literasi Keuangan Digital: Bahaya dan Dampak Pinjaman Online Ilegal Bagi Mahasiswa Studi Kasus Semester 1 Fakultas Ekonomi dan Bisnis Universitas Negeri Gorontalo Valentina Monoarfa; Aminarti Daud; Noviyanti Fatimah Riyadi; Niluh Gede Julianti; Karsum Yahya; Hadija Laima; Nuranisa Lakoro
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.6104

Abstract

The rapid development of digital technology has given rise to various new innovations, including online loans. Illegal online loans have become a serious problem in Indonesia, especially in Gorontalo. However, on the other hand, illegal online lending practices have also emerged which are detrimental to consumers, especially students. This research aims to find out how many students at Gorontalo State University are familiar with online loans. The method used in this research uses a descriptive qualitative approach. The results of this research show that many students are familiar with online loans and many have even used illegal online loans. Based on data, students have a fairly good understanding of online loans. They realize that illegal online loans offer easy access and fast processing, it is very common for social media users to receive offers or advertisements for illegal online loans. These ads often appear on homepages, in the form of paid posts, or even direct messages, but they also come with risks that you need to be aware of.
Co-Authors Aminarti Daud Karsum Yahya Niluh Gede Julianti Noviyanti Fatimah Riyadi Nuranisa Lakoro Safira Zatalia Putri Hikmah Sri Ananda Dehimel Syawa Oktarina Abdullah Valentina Monoarfa