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All Journal Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Enrichment : Journal of Management MAREN: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Jolyne Myrell Parera
Universitas Kristen Indonesia Maluku
Religion Humanities Economics, Econometrics & Finance Education Engineering Health Professions Social Sciences

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Journal : Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan

 1 
Development Strategy For Micro Small Business (Umk) During The Covid-19 Pandemic In Maluku Province Jolyne Myrell Parera; Debby Likumahua; R Suryati Ismail
MediaTrend Vol 16, No 2 (2021): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v16i2.11698

Abstract

This research was conducted based on the reality of the research problem, where economic activity in SMEs is in a threatened position due to the COVID-19 pandemic. This study aims to analyze the internal and external sides of SMEs, measure financial  stability and lending to banks, analyze whether credit provision has been efficient  or not in improving banking performance for SMEs. In addition, strategic policy measures are taken through a roadmap for developing competitive and sustainable SMEs. The research method used is a survey method. The data obtained were processed based on the principles of descriptive statistics, namely the analysis of Non Performing Loans (NPL) to determine the ratio of NPL and the average NPL. The time period used for analysis needs is 2019 and 2020. The results of the SWOT analysis, Non Performing Loans (NPL), effectiveness and efficiency, indicate that banks have not been effective and not efficient in disbursing credit. This needs to be a concern for banks in disbursing credit to SMEs, by providing easy administrative requirements for SMEs proposing credit, so that SMEs can have business capital for the development of competitive and sustainable SMEs. On the other hand, the results of the NPL calculation are below 5%, this shows a healthy banking performance, meaning that there are no bad loans, as a result of relaxation and stimulus from the Government to SMEs when SMEs experience a chaotic situation due to the COVID-19 pandemic. Furthermore, a 5-year development plan was carried out, namely from 2020-2025, with the goal of strategic planning being competitive and sustainable SMEs based on e-commerce.
Double Difference (DD) Fixed Effects Method in Micro Loans on Household Income in Indonesia Suratini Suratini; Jolyne Myrell Parera
MediaTrend Vol 17, No 1 (2022): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v17i1.14422

Abstract

Micro-loans are loans aimed at helping poor or low-income communities to increase their income through increasing productivity so as to reduce poverty. The purpose of this study is to determine the relationship of micro-loans to the increase in household income per capita in Indonesia and to determine the impact of micro-loans that actually result in an increase in household income per capita in Indonesia. The method used is Double Difference (DD) Fixed Effects with data from the Indonesia Family Life Survey (IFLS) in 2000 and 2007. The estimation results show that it is proven that the impact of micro loans on income changes is not visible and even looks negative 0.446. There was an increase in total income in 2007 compared to 2000 with a coefficient value of 0.279 using the nominal value. However, in real terms, the coefficient value is not significant, namely negative 0.063.
Co-Authors Debby Likumahua Maryam Sangadji Mozes Tomasila R Suryati Ismail Suratini Suratini Yuyun Yuniarti Layn