Wiralaga , Harya Kuncara
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Pengaruh Pembangunan Manusia Dan Upah Minimum Terhadap Pengangguran Pada Masa Pandemi Covid-19 Di Jawa Barat Putri, Rizkya Sindi Gitanov; Wiralaga , Harya Kuncara; Zahra , Siti Fatimah
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 3 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i3.1201

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pembangunan manusia, upah minimum, dan pandemi COVID-19 sebagai variabel dummy terhadap pengangguran di Jawa Barat tahun 2018-2021. Adapun data yang digunakan dalam penelitian ini adalah data sekunder dengan jenis data time series periode 2018-2021 dan cross section sebanyak 27 kabupaten/kota di Jawa Barat yang menghasilkan 108 observasi. Penelitian ini menggunakaan analisis regresi data panel dengan metode kuantitatif yang menggunakan software EViews 12. Pengujian dilakukan menggunakan fixed effect model (FEM) dengan hasil uji sebagai berikut: (1) Pembangunan Manusia berpengaruh negatif dan signifikan terhadap Pengangguran; (2) Upah Minimum berpengaruh positif dan signifikan terhadap Pengangguran; (3) Pandemi COVID-19 sebagai varibel dummy berpengaruh positif dan signifikan terhadap Pengangguran.
Pengaruh Indeks Produksi Industri, BI Rate, dan Dana Pihak Ketiga Terhadap Penyaluran Kredit Perbankan di Indonesia Tahun 2016-2024 Amelia, Ira; Wiralaga , Harya Kuncara; Dianta A.S, Karuniana
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7nbh0k67

Abstract

This study aims to analyze the effect of the Industrial Production Index (IPI), BI Rate, and Third-Party Funds (DPK) on bank credit distribution in Indonesia. This research employs a quantitative approach using the Autoregressive Distributed Lag (ARDL) method. The data used are monthly secondary data from 2016 to 2024 obtained from Bank Indonesia, the Financial Services Authority (OJK), the Central Bureau of Statistics (BPS), and CEIC Data. The ARDL method is applied to examine both short-run and long-run relationships among variables. The results show that in the long run, the Industrial Production Index (IPI) has a positive and significant effect on bank credit distribution, while the BI Rate and Third-Party Funds (DPK) do not have a significant effect. In the short run, Third-Party Funds (DPK) significantly affect credit distribution, whereas the Industrial Production Index (IPI) and BI Rate are not significant. These findings indicate that in the long term, credit distribution is driven more by real sector demand, while in the short term it is influenced by banking liquidity conditions. This study is expected to contribute to the development of economic knowledge, particularly in banking and monetary policy, and to serve as a reference for policymakers and banking institutions in formulating strategies to enhance sustainable credit distribution.  
Pengaruh Indeks Produksi Industri, Suku Bunga BI Rate dan Capital Adequacy Ratio Terhadap Non Performing Loan pada Industri Perbankan Indonesia Periode 2017–2024 Ramadan Harahap, Adam; Wiralaga , Harya Kuncara; Arfiando Sebayang, Karuniana Dianta
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/nwp4bm17

Abstract

This study aims to analyze the effect of the Industrial Production Index (IPI), BI Rate, and Capital Adequacy Ratio (CAR) on Non-Performing Loans (NPL) in the Indonesian banking sector during the period 2017–2024. NPL is one of the key indicators used to assess credit quality and the stability of the banking sector. An increase in the NPL ratio may elevate systemic risk and potentially disrupt overall financial system stability. Changes in macroeconomic conditions and internal banking factors are assumed to play a role in influencing the level of NPL; therefore, empirical analysis is required to better understand these relationships.This study employs a quantitative approach using monthly time series data obtained from official publications of Bank Indonesia, Statistics Indonesia (BPS), the Financial Services Authority (OJK), and CEIC Data. The analytical method used is multiple linear regression with the assistance of SPSS software. Prior to model estimation, the data were tested using descriptive statistics, stationarity tests, classical assumption tests, and outlier treatment to ensure the validity and reliability of the model. The results indicate that the Industrial Production Index (IPI) has a positive but insignificant effect on NPL. Meanwhile, the BI Rate has a negative and significant effect on NPL, indicating that interest rate policy is associated with banking credit quality. In addition, the Capital Adequacy Ratio (CAR) is found to have a positive and significant effect on NPL, suggesting that higher bank capital is associated with increased exposure to credit risk. Based on these findings, it can be concluded that external factors such as monetary policy and internal banking factors play a role in influencing NPL, although not all variables show a significant effect. However, simultaneously, the three variables have a significant effect on NPL. This study is expected to contribute to the development of literature in the banking sector and serve as a reference for relevant stakeholders in maintaining financial system stability.
Analisis Target dan Realisasi Pajak Daerah di Kota Bogor dan Kabupaten Kuningan pada Tahun 2017–2024 Osman, Dona Denise; Wiralaga , Harya Kuncara; Sebayang, Karuniana Dianta Arfiando
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/13xe6c94

Abstract

This study aims to analyze the target and realization of local taxes in Bogor City and Kuningan Regency for the period 2017–2024, and to compare the revenue patterns before, during, and after the Covid-19 pandemic. This study employs a quantitative approach with comparative analysis, paired sample t-test, and one-way ANOVA. The results indicate that there is no significant difference between local tax targets and realizations across periods, suggesting that local tax revenue demonstrated sufficient resilience against economic shocks. However, descriptive analysis reveals differences in patterns between regions, where Bogor City as an urban area was more sensitive to changes in economic conditions, while Kuningan Regency with its agrarian characteristics showed more stable revenue. In terms of target achievement, Bogor City failed to meet its target twice, while Kuningan Regency failed six times throughout the study period. This study is expected to serve as a reference for local governments in formulating adaptive fiscal policies in accordance with the economic characteristics of their respective regions