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All Journal MATHunesa: Jurnal Ilmiah Matematika Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Khoirun Laili Nur Amaliah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics

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Analisis Anuitas Biasa dan Anuitas Jatuh Tempo pada Kredit Motor Jenis Sporty/Fashion dengan Menggunakan Metode Bunga Flat dan Efektif Nicu Rahmat Adil; Danil Danil; Hafiz, Muhammad Al; Khoirun Laili Nur Amaliah; Akbar, Hadissyah; Humairah, Reni
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 3 No. 3 (2025): September : Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v3i3.1497

Abstract

One of the applications of annuities in society is a credit financial instrument. In the credit system there are many risks, so this study is to compare the installment system according to the fastest and longest sample periods in credit with the ordinary annuity method system and maturity, in addition this study aims to see the movement of installments using flat interest and effective interest. The calculation results for a loan of Rp 17,915,000, within 11 months with 24% interest show the largest total interest on the flat interest type of Rp3,941,300 and the smallest total interest on the annuity interest due of Rp1,825,879. Meanwhile, the calculation of the second sample with a loan of Rp17,915,000, within 35 months with an interest of 17.32% obtained the largest total interest on the flat interest type of Rp9,050,055, with the smallest total on the effective interest type of Rp4,339,610, but only slightly different from the total interest on the annuity due of Rp4,347,542. From these results, creditors are advised to choose a credit in a period of 11 months with an annuity due, because the interest paid is much smaller than the 35-month period.
PENGARUH LUAS PANEN DAN PRODUKTIVITAS PADI TERHADAP PRODUKSI PADI DI PROVINSI KEPULAUAN BANGKA BELITUNG TAHUN 2018-2024 Khoirun Laili Nur Amaliah; Raldo, Alfio; Fitria, Arini; Fathir, Bagastama Iqbalil; Kustiawan, Elyas; Akbar, Ridho
MATHunesa: Jurnal Ilmiah Matematika Vol. 14 No. 1 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/mathunesa.v14n1.p477-484

Abstract

Food security is one of the important issues in national development. In Indonesia, rice plays a role as the main commodity providing rice for the Indonesian people. Rice production in the Bangka Belitung Islands Province has shown a positive trend over the past few years. This study aims to analyze the effect of harvested area and productivity on rice production in the Bangka Belitung Islands Province. The data used are panel data of districts/cities in the Bangka Belitung Islands Province with a monthly period. The analysis method used is panel data regression with the help of EViews software. Based on the results of the Chow, Hausman, and Lagrange (LM) multiplier tests, the best model obtained is a random effects model with an estimated result of . The coefficient of determination (R²) value of 0.925579 indicates that 92.56% of the variation in rice production can be explained by harvested area and productivity, while the remaining 7.44% is explained by other variables outside the model. These results confirm that harvested area and productivity play an important role in increasing rice production in Bangka Belitung and can be a reference for local governments in formulating policies to improve food security. Keywords: Harvested Area, Rice Production, Productivity, Random Effect, Panel Data Regression.
Co-Authors Akbar, Hadissyah Danil Danil Fathir, Bagastama Iqbalil Fitria, Arini Hafiz, Muhammad Al Humairah, Reni Kustiawan, Elyas Nicu Rahmat Adil Raldo, Alfio Ridho Akbar