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Comparing Moral Hazard Behaviour of Micro and Small Enterprises on Productive Business Loan Repayment Agus Arifin; FX. Sugiyanto; Wahyu Widodo
Media Ekonomi dan Manajemen Vol 34, No 1 (2019): The Importance of Personality and Strategy in Successful of Corporate Performan
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

This research aims to measure and compare the moral hazard behaviour of micro and small enterprises’ debtors within Purwokerto area on Productive Business Loan scheme. This scheme was choosen because of the highest Non Performing Loan (NPL) among others. The data were collected from 127 debitors by using simple random sampling technique. Rating scale method was used to measure the moral hazard behaviours of debtors through questionnaire and later comparing them to study how serious the noncompliance rate in repaying off their credits. This research finds that (1) Generally, the moral hazard behaviour tends to be medium-to-high, (2) The highest moral hazard should be attributed to debitors in Purbalingga followed by those in Banjarnegara, Purwokerto, and Cilacap. Then, it suggests that (1) all bank branches need to pay more attentions to their debitors because their moral hazard behaviours have been medium-to-high. (2) Each branch needs to apply specific treatments to the debitors to improve debitors’ installments, i.e building lending relationship as one way of exploring soft information which emphasizes informal approaches, (3) It should be important to design integrated training and practices for bank officers in order to build up their sense of psychological skills in public relationship in order to handle, in turn, those risky debtors.

Analisis Perilaku Kurs Rupiah Terhadap Dolar AS Selama Empat Periode Pemerintahan di Indonesia Metode Box-Jenkins (ARIMA) Agus Arifin
EKO-REGIONAL Vol 4, No 1 (2009)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

This research attempts to analyze the behavior of exchange rate (Rp/$US) over the period 1998-2007 which passed four governments: Habibie, Gusdur, Megawati, and SBY. The method using in this research is Box-Jenkins with Autoregressive Integrated Moving Average (ARIMA). It tested various models to find the best one and then using it to forecast the behavior of exchange rate. The data needed in this research is only exchange rate (Rp/$US) over the period 1998-2007. The research results show: (1) The best model is AR(1); (2) The forecasting of exchange rate behavior until the end of 2007 shows the stability with average value at Rp9417,13; (3) There is no significantly structural changes among four governments. Keywords: Box-Jenkins, ARIMA, exchange rate

Analisis Hubungan Variabel-Variebel Penting pada Usaha Kecil Kerajinan Rambut di Desa Karangbanjar Kabupaten Purbalingga Agus Arifin
EKO-REGIONAL Vol 3, No 2 (2008)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Small enterprises have proved their important role to economic condition in a country. Based on financial side, small enterprises could answer quickly and flexibility to economic crisis shocks rather than medium and large enterprises. Based on employee absorption, small enterprises could pass the crisis without reducing the number of employee. Thus, small enterprises are to be anchor for societies and local governments in order to economic improvement and social welfare, even in recent decentralization era. Local government tries to develop potential endowments through empowering the advantage and potential sectors and products. This research aim is to study important variables and analyze relationship between them in small enterprise of hair production in Karangbanjar village, Purbalingga regency. The tools used in this research are Spearman-rank Correlation to know strong correlation between variables and Ordinary Least Square (multiple regression) to analyze functional relationship between them. In this research, small enterprises were separated between cottage and small industries.The results obtained from this research are based on correlational analysis, there is strong correlation between variables studied, such material, wage expenditure, capital, asset, and product value. Functional relationship analysis shows that in cottage industry, material affects product value significantly while in small industry, that is wage expenditure. These results are suitable with the hypothesis in this research. Keywords: hair production, production, small industry, cottage industry

Kenaikan Jumlah Penduduk Usia Produktif Berkontribusi Positif terhadap Pengangguran di Kabupaten Banyumas Agus Arifin
EKO-REGIONAL Vol 7, No 1 (2012)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

This research is aimed to study the influence of the number of productive age workforce, economic growth, and the number of small-medium business toward unemployment in Banyumas Regency. This research uses quantitative method by using the secondary data. The analysis methods of this research are Multiple Linier Regression and Elasticity of Coefficient Linier Regression. The result of research shows that each of independent variables, partially, influences the dependent variable (the number of unemployment) in Banyumas Regency. The number of productive age has a positive influence, so that an increasing of the number of productive age workforce will increase the number of unemployment. While, either the economic growth or the number of small-medium business has the negative influence so that each of those variables will decrease the number of unemployment. Keywords: productive age workforce, economic growth, small-medium business, unemployment

Pangsa Ekonomi Sektoral dan Tipologi Daerah di Wilayah Jawa Bagian Tengah Agus Arifin; Dijan Rahajuni
EKO-REGIONAL Vol 2, No 2 (2007)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Economic potency in region of central Java is interesting to analyze. On 2000 to 2004, this region had referred to structural economic changing. Basic sectors, which was being prime sectors on 2000, has declined the role be the main regional income on 2004. The new cities establishment on this region, late of 90’s, may have important role to the structural change. It has driven modern activities that gave significant contribution to regional income. Nevertheless, regional typology shows the income disparities among the regency on this regions. Especially, the regions with low per capita income and coincide with low economic growth should need to concern. Without appropriate and wise policy, these regions will always left behind from the other regions if they are compared by the regions that have better typology. Keywords: economic potency, regional typology, income disparities

Struktur Industri, Tingkat Produktivitas, dan Efisiensi Ekonomis dalam Pemenuhan Kebutuhan Hidup Layak (Studi Empiris Perajin Tahu Desa Kalisari, Cilongok, Banyumas Vs Perajin Tahu Desa Kalikabong, Kalimanah, Purbalingga) Agus Arifin
EKO-REGIONAL Vol 6, No 2 (2011)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

The purposes of this research are to analyze the industry structure, productivity, economic efficiency, and the living standard of labor in tahu industry centre in Kalisari village, Cilongok district, Banyumas regency compare with those in Kalikabong village, Kalimanah district, Purbalingga regency. This research is to study which industry centre better. This research is conducted with qualitative and quantitative analysis that uses Herfindahl Index (HI) and Concentration Ratio (CR) analysis to analyze industry structure and concentration; output-input and regression to measure the productivity; R/C ratio to analyze economic efficiency; then income-UMK ratio and income- KHL ratio to analyze living standard of labor. The results show that: (1)Both of tahu industry centre in Kalisari and Kalikabong are perfect competition market. Industry in Kalikabong is more concentrated; (2) the productivity of labor in Kalisari is higher than in Kalikabong (3) the tahu enterprises in Kalisari more efficient than in Kalikabong (4) All of tahu enterpreneurs in Kalisari and Kalikabong are more than living standard level based on profit received, but many labors are less than living standard level based on wage received. Keywords: industry structure, productivity, efficiency, labor, living standard

Efisiensi Ekonomis dan Teknis Usaha Tani Singkong pada Kelompok Tani di Desa Banteran, Sumbang, Kabupaten Banyumas dan di Desa Selakambang, Kaligondang, Kabupaten Purbalingga, 2010 Agus Arifin; Oke Setiarso
EKO-REGIONAL Vol 5, No 2 (2010)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

The purposes of this study are to analyze the effect of labor, land, seed, fertilizer, and capital on the production of cassava; to analyze the economic efficiency and technical efficiency in cassava farming between farmer groups in Banyumas and Purbalingga; and to analyze the difference of economic and technical efficiencies of cassava farming in Banyumas and Purbalingga. This research is conducted with qualitative and quantitative analysis based on production function with a stochastic frontier approach (Stochastic Frontier Production Function): regression analysis, maximum likelihood (MLE), the analysis of technical efficiency(DEA), economic efficiency, price efficiency, and Return-Cost (R/C) ratio. The result shows there are only three significant independent variables namely labor, land, and capital. Based on analysis of technical efficiency (ET), there are only ten efficient farmers in Banyumas and four efficient farmers in Purbalingga. The results from the efficiency of the price and economic efficiency show that the farming of cassava has no efficient in both of farmer groups in Banyumas and Purbalingga. From the calculation of technical efficiency, price efficiency, and economic efficiency, it can be concluded that cassava farming has no efficient. The results from R/C ratio indicate that cassava farming in both of them are quite profitable. Keyword: economic efficiency, efficiency price, return-cost ratio, stochastic frontier, technical efficiency

Analisis Keunggulan Produk Kerajinan Rambut di Desa Karang Banjar Kecamatan Bojongsari, Purbalingga, 2007 (Pendekatan Revealed Comparative Advantage (RCA) dan Sustainable Competitive Advantage (SCA)) Agus Arifin
EKO-REGIONAL Vol 3, No 1 (2008)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

This research was aimed to evaluate the advantage of hair production in Karangbanjar village, Bojongsari, Purbalingga, Central Java, wherefore this product has the mainly advantage in Purbalingga regency. The analysis object is small enterprises in the hair production centre which is the traditional hair product located in Karangbanjar village. The product advantage was analyzed through comparative and competitive advantages approaches. The research tools are Revealed Comparative Advantage (RCA) to analyze comparative advantage and Sustainable Competitive Advantage (SCA) to study competitive advantage. The results obtained from this research are based on product advantage analysis, small enterprises of hair production exactly have comparative and competitive advantages. Key words: comparative advantage, competitive advantage, hair production

Pendapatan Per Kapita dan Suku Bunga Deposito Berpengaruh Signifikan terhadap Jumlah Simpanan Deposito pada Bank Umum di Kota Cirebon Jajuli Jajuli; Nunik Kadarwati; Agus Arifin
EKO-REGIONAL Vol 4, No 2 (2009)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

This research is aimed to understand the increasing of deposit account of commercial bank in Cirebon which is seen from the increasing of income percapita in Cirebon, offered deposit account interest rate by bank, and inflation rate in Cirebon. This research was executed by descriptive and quantitative method. Data was obtained from Bank Indonesia of Cirebon, Badan Pusat Statistik (BPS) of Cirebon, and the period of time which is used in this research was during 2001–2007. This research used Natural Logarithmic Multiple Regression Analysis, Classical Assuming Test, and Elasticity test. Regarding to the result of natural logarithmic multiple analysis estimation, it can be concluded that significantly income percapita, deposit account interest rate, and inflation simultaneously affecting deposit account values of commercial bank in Cirebon, meanwhile, partially income percapita and deposit account interest rate significantly affecting deposit account values of commercial bank in Cirebon, and inflation in Cirebon did not give any significant affect toward deposit account values of commercial bank in Cirebon. Regarding to Elasticity test, income percapita is the most affecting variable toward deposit account value of commercial bank in Cirebon. Keywords: deposit account, income percapita, interest rate, inflation

Pangsa Ekonomi Sektoral dan Tipologi Daerah di Wilayah Jawa Bagian Tengah Agus Arifin; Dijan Rahajuni
EKO-REGIONAL Vol 2, No 2 (2007)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Economic potency in region of central Java is interesting to analyze. On 2000 to 2004, this region had referred to structural economic changing. Basic sectors, which was being prime sectors on 2000, has declined the role be the main regional income on 2004. The new cities establishment on this region, late of 90’s, may have important role to the structural change. It has driven modern activities that gave significant contribution to regional income. Nevertheless, regional typology shows the income disparities among the regency on this regions. Especially, the regions with low per capita income and coincide with low economic growth should need to concern. Without appropriate and wise policy, these regions will always left behind from the other regions if they are compared by the regions that have better typology. Keywords: economic potency, regional typology, income disparities

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