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PERLINDUNGAN HUKUM TERHADAP DEBITUR PADA LAYANAN PINJAMAN UANG BERBASIS FINANSIAL TEKNOLOGI DALAM PERSPEKTIF HUKUM PERDATA Paturochman, Iwan Ridwan; Hayati, Jurni; Sani, Ageng Asmara
Jurnal Ekonomi Manajemen Vol 9, No 2 (2023): November 2023
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v9i2.8626

Abstract

This research is motivated by the existence of problems in society that are difficult to solve. On the one hand, the community's economic downturn has resulted in them looking at other types of illegal loans. On the other hand, fintech actors take advantage of the situation and conditions of society so that they are trapped by debts and receivables with abnormal interest. Collection methods that are beyond humane limits are disturbing the people who use these loans. Therefore, the author must carry out further studies regarding legal protection for debtors who use illegal online money lending services. The aim of this research is to analyze and examine legal protection for debtors in illegal online money lending services. To analyze and study the legal settlement process undertaken by debtors in Illegal Online money lending services. The method used is normative juridical. The normative juridical approach method is a legal research technique that involves examining library materials (secondary data) using a statutory approach, namely an approach that uses statutory regulations which are useful as a research medium. Apart from that, it uses a conceptual approach, which requires legal concepts as a starting point for research into current legal problems.
How Does Regional Income Affect Regional Spending? Tirtana, Dodi; Pradani, Tiara; Hayati, Jurni
Journal of International Conference Proceedings Vol 6, No 6 (2023): 2023 WIMAYA Yogyakarta Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i6.2700

Abstract

This research aims to know the influence of regional income to regional spending. Areas of the research around Indonesia`s provinces. The research ensures significantly in its potential to shed light on how regional governments can effectively manage their budgets to foster economic growth and development. The analysis used is multiple linear analysis with the help of the STATA 14 application. The data used is data on Regional Spending, Regional Original Income, Transfers to Regions, and Village Funds, and Other Income for 2020-2022 in Indonesia’s provinces taken from the Ministry of Finance Republic of Indonesia. The findings of the study reveal a noteworthy impact of Regional Original Income and Transfers to Regions, and Village Funds on Regional Spending. Nevertheless, the research outcomes also indicate the absence of a significant effect between Other Income and Regional Spending. The importance of Original Regional Income, Transfers to Regions, and Village Funds in making decisions regarding the allocation and use of the budget for Regional Spending. The implication of this research is that regional governments can consider increasing Regional Original Income and managing Funds Transferred to Villages and Regions effectively to support better Regional Spending.
Pengembangan Kampung Wisata Berbasis Kearifan Lokal Di Dusun Kamal Desa Karangsari Kecamatan Pengasih Kabupaten Kulun Progo Hayati, Jurni; Surgawati, Iis; Rahayuningrat, Rahayuningrat
Convergence: The Journal of Economic Development Vol.5 No.1 (2023)
Publisher : Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/convergencejep.v4i2.26013

Abstract

This study aims to identify the physical and non-physical potential of Kamal Hamlet, Karangsari Village, examine the extent of community participation in the development of Kamal Tourism Hamlet Karangsari Village, then researchers will design a tourism village model based on local wisdom that can accelerate the development of Kamal Tourism Hamlet Karangsari Village so that the people can enjoy the results of their existence the Tourism Village. The type of research used in this research is descriptive qualitative. Sources of research data obtained from interviews, observation, and documentation in 2019. The data analysis technique used in this study is an interactive model. Based on the research results, the physical potential in Kamal Tourism Hamlet Karangsari Village is natural and cultural potential. While the non-physical potential is the Karangsari community involved in the development of a tourist village, the level of community education, land tenure of yards, fields, gardens and rice fields, as well as the main household income per month. The tourism development model that can be used in Kamal Tourism Hamlet Karangsari Tourism Village is a development model based on local wisdom, namely nature and culture based because Kamal Tourism Hamlet Karangsari Village has various natural and cultural potentials. Keywords :  Physical Potential1, Non-Physical Potential2, Community Participation3, Local Wisdom 4
Efektivitas Penerapan Inflation Targeting Framework (ITF) Terhadap Tingkat Inflasi Di Indonesia Hamzah, Risna Amalia; Hayati, Jurni; Yuliani, Novi Mela
Convergence: The Journal of Economic Development Vol.5 No.2 (2023)
Publisher : Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/convergencejep.v5i2.31262

Abstract

Bank Indonesia uses a methodology known as the Inflation Targeting methodology (ITF) when implementing monetary policy.  ITF is a framework that combines monetary policy with a goal of achieving future inflation targets that are declared to the public as a means of the central bank's accountability and commitment. The purpose of this study is to examine the efficiency of monetary policy in the use of ITF to control inflation as well as other factors including the money supply, exchange rate, and budget deficit that influence inflation. This analysis utilizes secondary data spanning the years 2005–2022. Multiple regression analysis is employed as the analytical tool. The Ordinary Least Square approach was employed in the analysis using eviews 12 software. In light of data processing, The data processing results indicate that Indonesia's inflation targeting mechanism has performed effectively from 2005 to 2022. Simultaneously, the variables of exchange rate, money supply and budget deficit have a significant effect on inflation in Indonesia. Keywords :  Inflation, Inflation Targeting Framework, Exchange Rate, JUB, Deficit Budget Abstrak Bank Indonesia menggunakan metodologi yang dikenal sebagai Inflation Targeting methodology (ITF) dalam menerapkan kebijakan moneter.  ITF merupakan kerangka kerja yang menggabungkan kebijakan moneter dengan tujuan pencapaian sasaran inflasi ke depan yang dicanangkan kepada publik sebagai sarana akuntabilitas dan komitmen bank sentral. Tujuan dari penelitian ini adalah untuk menguji efisiensi kebijakan moneter dalam penggunaan ITF untuk mengendalikan inflasi serta faktor-faktor lain termasuk jumlah uang beredar, nilai tukar, dan defisit anggaran yang mempengaruhi inflasi. Analisis ini menggunakan data sekunder yang mencakup tahun 2005-2022. Analisis regresi berganda digunakan sebagai alat analisis. Pendekatan Ordinary Least Square digunakan dalam analisis menggunakan perangkat lunak eviews 12. Berdasarkan pengolahan data, hasil pengolahan data menunjukkan bahwa mekanisme penetapan sasaran inflasi Indonesia telah berjalan efektif sejak tahun 2005 hingga 2022. Secara simultan, variabel nilai tukar, jumlah uang beredar dan defisit anggaran berpengaruh signifikan terhadap inflasi di Indonesia. Kata Kunci :  Inflasi, Inflation Targeting Framework, Kurs, JUB, Defisit Anggaran
PENGARUH PENGELUARAN KONSUMSI PEMERINTAH DAN PENGELUARAN INVESTASI TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA Hayati, Jurni; Hanapia, Asep Yusup; Ramadhan, Rifky Wahyu
Convergence: The Journal of Economic Development Vol.6 No.1 (2024)-IN PRESS
Publisher : Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/convergencejep.v6i1.35200

Abstract

Economic growth depends on the amount of public consumption expenditure, government consumption expenditure, investment spending, and the value of net exports. The trend of economic growth in Indonesia during the 2011-2023 period declined, even in 2020 it experienced a drastic decline to minus 2.07 percent because of Covid-19 Pandemic. To increase Indonesia's economic growth, the government has implemented policies that can encourage an increase in household consumption spending by allocating funds for social protection and government consumption spending by increasing funds for spending on ministries/agencies. This study aims to analyze the effect of government consumption spending and investment spending on economic growth in Indonesia. The analytical method used in this study is multiple linear regression analysis and the data used is time series data for the years 2011-2023. Based on the results of the study, partially, the variable of government consumption expenditure (NPPKP) has no effect on economic growth in Indonesia, while investment expenditure (NPPM) has a positive and significant effect on economic growth in Indonesia. Then simultaneously, the government consumption expenditure variable (NPPKP) and the investment expenditure variable (NPPM) have a significant effect on economic growth in Indonesia. Based on the determination coefficient test yields an adjusted R-square value of 0.67, indicating that the variables can account for approximately 67 percent and 33 percent of the economic growth variable, respectively, through other variables not included in the analysis. Keywords: Economic Growth, Government Consumption Expenditure, Investment Expenditure Abstrak Pertumbuhan ekonomi bergantung pada besaran belanja konsumsi publik, belanja konsumsi pemerintah, belanja investasi, dan nilai ekspor bersih. Tren pertumbuhan ekonomi Indonesia selama periode 2011-2023 menurun, bahkan pada tahun 2020 mengalami penurunan drastis menjadi minus 2,07 persen karena Pandemi Covid-19. Untuk meningkatkan pertumbuhan ekonomi Indonesia, pemerintah telah menerapkan kebijakan yang dapat mendorong peningkatan belanja konsumsi rumah tangga dengan mengalokasikan dana untuk perlindungan sosial dan belanja konsumsi pemerintah dengan meningkatkan dana untuk belanja kementerian/lembaga. Penelitian ini bertujuan untuk menganalisis pengaruh belanja konsumsi pemerintah dan belanja investasi terhadap pertumbuhan ekonomi di Indonesia. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi linier berganda dan data yang digunakan adalah data deret waktu tahun 2011-2023. Berdasarkan hasil penelitian, secara parsial Belanja Pemerintah (NPPKP) tidak berpengaruh terhadap pertumbuhan ekonomi Indonesia, sedangkan belanja investasi berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi, kemudian secara simultan variabel pengeluaran konsumsi pemerintah (NPPKP) dan variabel pengeluaran investasi (NPPM) berpengaruh signifikan terhadap pertumbuhan ekonomi di Indonesia. Berdasarkan uji koefisien determinasi diperoleh nilai Adjusted R-square sebesar 0,67, yang menunjukkan bahwa variabel pengeluaran konsumsi pemerintah (NPPKP) dan variabel pengeluaran investasi (NPPM) mampu menjelaskan variabel pertumbuhan ekonomi sekitar 67 persen dan 33 persen dijelaskan oleh variabel lain diluar model. Kata Kunci: Pertumbuhan Ekonomi, Belanja Konsumsi Pemerintah, Belanja Investasi
Inovasi Desa Ekowisata: Mendorong Peningkatan Pendapatan Masyarakat melalui Diversifikasi Produk Olahan Madu Hanapia, Asep Yusup; Jumri, Jumri; Hayati, Jurni; Sukarso, Aso; Noormansyah, Zulfikar
Abdimas Galuh Vol 6, No 2 (2024): September 2024
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v6i2.15919

Abstract

Budidaya lebah madu Taruna Karya di Desa Margacinta telah menghasilkan 100 liter madu dengan nilai Rp. 25.000.000,- pada musim bunga di bulan Mei - Juni. Saat ini produk madu yang dipasarkan hanya produk madu original saja karena masyarakat Desa Margacinta belum mengetahui pentingnya diversifikasi produk madu. Untuk memperluas pasar dan pengayaan produk UMKM diperlukan diversifikasi produk madu. Diversifikasi produk juga dapat mendukung perkembangan Desa Ekowisata di Desa Margacinta. Pengembangan Desa Ekowisata berupa budidaya lebah madu yang menghasilkan berbagai produk madu diharapkan dapat berdampak positif terhadap peningkatan pendapatan masyarakat tanpa harus menunggu kunjungan wisatawan. Kegiatan pengabdian ini dilakukan untuk memberikan pemahaman dan pendampingan kepada masyarakat Desa Margacinta mengenai pentingnya diversifikasi produk madu untuk mendukung pengembangan Desa Ekowisata dan meningkatkan pendapatan masyarakat. Adapun produk madu yang akan dibuat adalah sabun padat madu dan minuman madu. Kegiatan pengabdian ini akan dilaksanakan dalam jangka waktu 7 bulan mulai dari penandatanganan MoU kegiatan pengabdian kepada masyarakat hingga evaluasi kegiatan. Metode penyelesaian masalah masyarakat adalah dengan pendampingan yang diikuti oleh Kelompok Budidaya Lebah Madu “Taruna Karya” dan kelompok Pemberdayaan Kesejahteraan Keluarga (PKK). Hasil dari pendampingan masyarakat dapat meningkatkan keterampilan dalam membuat sabun padat madu dan minuman madu untuk mendukung terwujudnya Desa Ekowisata.