Analisis pengaruh jumlah kantor, pembiayaan UMKM dan pembiayaan non UMKM bank syariah terhadap produk domestik regional bruto (PDRB) Provinsi Jawa Tengah tahun 2014-2019 (original) (raw)
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AJIE, 2014
This research uses secondary data as data sources. This research learnsthe effect ofregional gross domestic product, working capital loans, and province minimum wage towards SMEs developments in Daerah Istimewa Yogyakarta province. Models of analysis that used are analysis tools data panel (pooled data) as data processing tool which data panel is a combination between time series (time-series data) from 2007-2011 and cross section (cross-section data) in five regencies in Daerah Istimewa Yogyakarta province. Statisticaltest uses three models those are common effect, fixed effect, random effect. The result of analysis data shows RGDP and working capital loans significantly take positive effect toward SMEs in Daerah Istimewa Yogyakarta province where RGDP grows higher followed by the econimic development so as SMEs grow higher nor working capital loans which released by commercial bank more bigger so as SMEs grow higher. Contrast with province minimum wage which is makes significanly negative effect toward SMEs, which is possibility caused by the bigger province minimum wage becomes constraints toward cost ofproduction but conversely the smaller province minimum wage will push the development of SMEs in Yogyakarta.
Analisis dampak penerapan perbankan syariah terhadap sektor UMKM di Sumatera Utara
2016
Micro, Small and Medium Enterprises (SMEs) is a business sector that has tremendous potential to absorb labor and contribute to the GDP. SMEs also have tremendous potential in alleviating poverty, improving incomes and welfare. However, to maximize the potential of SMEs face a number of problems. The main problem are the lack of capital and the difficulty of SMEs to access capital sources. According to a survey conducted by the Asian Development Bank, only one SMEs from five that was financed by the bank and others were financed by the informal sector which were obtained from family, friends, or moneylenders. The presence of Islamic banking and its profit sharing are expected to solve these problems. Beside of capital, SMEs are also constrained by the quality of human resources. Some aspects are suspected have influence to quality of human resources (labor), that are the education and religiosity. The aim of this research were to know (1) The impact of Islamic banks financing, the profit and loss sharing, religiosity, level of education, and amount of labor to the development of SMEs in North Sumatra; (2) The coefficient of variables elasticity from Islamic bank financing, the profit and loss sharing, religiosity, level of education, and amount of labor to the development of SMEs in North Sumatra; and (3) The balance of economic variables comparison in the long-term between sharia and conventional system to the economy of North Sumatra. This study used two research models that are multiple linear regression analysis and VAR model. The results of this study indicated that (1) Islamic financing, profit and loss sharing, level of education, amount of labor, and religiosity have positive and significant impact on SMEs of North Sumatra. The highest regression coefficients is financing by 0,593 and the smallest is religiosity by 0,038. Based on regression result, the value of adjusted R2 is 0,475; (2) The variables of Islamic bank financing, profit and loss sharing, religiosity, level of education, amount of labor to the development of SMEs in North Sumatra are not elastic because the variable elasticity coefficient is less than 1; and (3) The results of VECM analysis show that the shocks on sharia economic variables (investment and M1 sharia) are faster in stability than invesment and M1 conventional. In the contrary, the Islamic financing is slower in stability than conventional credit.
Bank Syariah Indonesia dalam Menguatkan Ekonomi Sektor UMKM pada Masa Pandemi
Indonesian Journal of Islamic Economics and Finance
This study aims to find out the role of the Indonesian Islamic Bank merger in strengthening the economy in the MSME sector during the pandemic. The research method used is descriptive qualitative research with the type of library research, searching and recording data from various sources that are still related to the topic of the problem so that it becomes a unified whole to conclude. The results showed that the merger of Indonesian Sharia Banks had an important role in strengthening the economy in the MSME sector during the pandemic, namely BSI collaborated with LAZ Bangun Sejahtera Mitra Ummah to create an ISDP Program for entrepreneurial students in the form of providing UKT scholarships, coaching, mentoring, intensive and programmed training. In addition, BSI also collaborates with the well-known e-commerce platform Shopee in the Go Digital MSME program, which is expected by millennial entrepreneurs not only to make varied products at low prices but also to create the best qual...
2020
Penelitian ini bertujuan mengetahui besaran pengaruh Office Channeling (OC), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), dan BI Rate Terhadap Total Aset Unit Usaha Syariah (UUS) Tahun 2014-2019. Pendekatan penelitian yang digunakan adalah kuantitatif. Data yang digunakan adalah data dalam bentuk time series diperoleh dari laporan statistik perbankan syariah yang diterbitkan oleh Otoritas Jasa Keuangan dan BI Rate dari Bank Indonesia. Populasi dalam penelitian ini adalah seluruh Unit Usaha Syariah di Indonesia. Sampel yang digunakan sebesar 60 data periode Oktober 2014 sampai September 2019. Penelitian ini menggunakan analisis regresi berganda yang diolah melalui progam SPSS 16.0. Hasil pengujian hipotesis menunjukkan bahwa secara parsial Office Channeling berpengaruh positif dan signifikan dengan nilai regresi sebesar 91,443, FDR berpengaruh negatif tetapi tidak signifikan dengan nilai regresi sebesar -224,687, NPF berpengaruh negatif dan signifikan dengan nila...
Diponegoro Journal of Economics, 2020
The implementation of local autonomy and fiscal decentralization in Indonesia is an strategic step to increase the local independence in the financial and strengthen the local economy base. Although the local has been given great authority to manage potential sources of local revenue, the fact the level of local independence in the financial sector have not shown significant progress. The local government is still dependent on the central government to support development activities and public services for the community at the local level. This research aims to prove empirically the influence of gross regional domestic product, balance funds, and regionally original income to local government expenditure in regencies and cities at Central Java Province. The data that used in this research are quantitave data with the type of panel data in the form of an annual. Time series data started from the period 2013 to 2017, while its cross section data are 35 regencies and cites in Central Java Province. From the merger of two kinds of data has yielded 170 observations. The analysis method that used is panel data regression with fixed effects model approach.
Ekono Insentif, 2019
Penelitian ini bertujuan untuk menganalisis mengenai Pengaruh Produk Domestik Regional Bruto (PDRB) Terhadap Kredit Bermasalah pada Bank Umum di Jawa Barat Periode 2012-2017. Metode penelitian yang digunakan adalah metode deskriptif dan verifikatif. Metode verifikatif yang digunakan adalah analisis regresi linear sederhana. Teknik pengumpulan data yang digunakan adalah studi kepustakaan dan dokumentasi sedangkan jenis data yang digunakan adalah data sekunder, yaitu data yang diperoleh dari Laporan publikasi Badan Pusat Statistik (BPS) Jawa Barat mengenai Produk Domestik Regional Bruto (PDRB) dan Laporan publikasi Otoritas Jasa Keuangan (OJK) mengenai Statistik Perbankan Indonesia. Hasil penelitian ini menunjukkan Produk Domestik Regional Bruto (PDRB) memiliki pengaruh positif signifikan terhadap Kredit Bermasalah pada Bank Umum di Jawa Barat periode 2012-2017.
Dampak Kebijakan Penempatan Dana Pemerintah Pada Bank Jateng Terhadap UMKM
Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis
In anticipation of dealing with the dynamics of world and national economic instability, especially handling the impact of the Covid-19 Pandemic, the government launched the national economic recovery program, which is one of the activity is government funds placement in Partner Banks, which are banking entities that function as distributing channel in small business loans. Minister of Finance Regulation Number 104/PMK.05/2020 states that the purpose of placing government funds is to maintain banking liquidity as well as guarantee to MSME's debtors in resctructuring small business loans program at partner banks especially in Central Java Regional Development Bank. This study aims to determine the effect of government placement funds on the restructuring of MSME loans. This study uses a qualitative method and using the ATLAS.ti software as analysis tool. The results showed that the government funds palcement at Bank Jateng was considered effective and on target in guaranteeing MSME loan restructuring. The social and economic benefits indicator can be seen from the positive multiplier effect that can boost the economy in Central Java Province.
POTENSI PENGEMBANGAN PRODUK PEMBIAYAAN MUDHARABAH DI BANK SYARIAH PADA SEKTOR RIIL UMKM
Shari'ah banking currently has a strong legal standing with the presence of the Undang-Undang 21, 2008 on banking Shari'ah. It is very influential on the existence of the banking Shari'ah are increasingly in demand by many. Islamic bank is better known by the profit-sharing system has a range of products that use Mudaraba and Musharaka contract, considered more equitable for all parties. But from the available data suggests that the financing is not dominant. Murabaha Islamic banks is greater than the mudaraba. Islamic economics can not be separated from the real sector, especially SMEs, its existence requires the support of other parties, including Islamic banks. Financing products with mudharabah it is appropriate to sustain the business capital of SMEs. Based on data from the central statistical agency that the growth of SMEs in 2010 amount to 55,206,444 units in 2012 to 56,534,592 units experiencing good growth, so it takes a good response for Islamic banks. This paper uses a descriptive qualitative limitations in this paper is focused on products of financing in Islamic bank and real sector SMEs. This paper uses literature study from various sources. The results of this paper that the potential for product development in Islamic bank financing is still very large. It is seen that the number of SMEs continues to grow, then the portion of financing products are still small. This shows that the products of financing in Islamic banks are very suited to the conditions and character of SMEs. Mudharabah product development potential is still very large and very spacious. PENDAHULUAN Seiring dengan perbaikan dan reformasi perbankan nasional pasca krisis ekonomi, perbankan syari'ah yang merupakan bagian dari perbankan nasional mulai memasuki babak baru implementasi sistem perbankan nasional dengan segala hambatan dan perkembangan yang secara berkala terus diperbaiki sesuai dengan syariat Islam. Perbankan syari'ah era reformasi dimulai dengan disetujuinya Undang-undang No.10 tahun 1998 tentang perbankan syari'ah (Antonio, 2001:26). Kemudian disempurnakan dengan adanya undang-undang Perbankan Syari'ah nomor 21 tahun 2008. Ide dasar sistem perbankan Islam sebenarnya dapat dikemukakan dengan sederhana.Operasi institusi keuangan Islam terutama berdasarkan pada prinsip PLS (porfit-and-loss-sharing bagi untung dan rugi). Prinsip bagi hasil ini dalam keuangan Islam sangat dianjurkan dan merupakan solusi yang pantas dan relefan untuk mengatasi masalah alokasi dana yang terbatas, baik yang berupa dana pinjaman atau tabungan dengan maksud supaya pengelolaan dan pembiayaan bisnis secara efektif dapat tercapai. Bank Islam tidak membebankan
ABSTRACT The implementation of fiscal decentralization in addition to give authority to local governments also influence the ability of regions to meet the public interest. The aim of this study is to examine the influence of General allocation fund, special allocation fund, regional own revenue, brutto regional domestic product to the Capital Budget Appropriation in Central Java Province in 2010-2012. This research was field study research. The analysis used in the research was quantitative analysis. The quantitative analysis tools were classic assumption test and multiple linear regression test. Based on the examination and discussion, it could be concluded that the classical assumption test, which consists of multikoliniaritity test, heteroscedasticity, autocorrelation test and the test of normality test which is all independent variable positive and significant impact on the capital expenditure budget. While the results of multiple linear regression test consisting of General Allocation Fund, Special Allocation Fund, Regional own Revenue and Brutto Regional Domestic Product which is simultaneous or independent variable (F test) and a significant positive effect on capital expenditure budget in the province of Central Java. And partially or (t test) showed that only the General Allocation Fund and the Local Revenue had positive and significant impact on the budget, while Capital Expenditure Brutto Regional Domestic Product and the Special Allocation Fund had no significant effect on the capital expenditure budget. Keywords: General allocation fund, special allocation fund, regional own revenue, brutto regional domestic product, and capital expenditur