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MODEL KEUANGAN MIKRO SYARIAH UNTUK MENINGKATKAN KESEJAHTERAAN NELAYAN MISKIN DI INDONESIA Nugraha, Hari Susanta; Pujiyono, Arif
Proceeding SENDI_U 2015: SEMINAR NASIONAL MULTI DISIPLIN DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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Indonesia adalah negara maritim dengan potensi kekayaan perikanan laut yang besar. Padakenyataannya banyak nelayan miskin yang belum mendapatkan manfaat potensi ini. Salah satumasalah yang dialami oleh para nelayan adalah kesulitan dalam mengakses keuangan. Penelitianini memiliki tujuan untuk mengatasi masalah kemiskinan nelayan melalui model-modelpembiayaan syariah yang tepat sesuai dengan permaslahan yang dihadapi. Metodologi yangdigunakan dalam penelitian ini adalah analisis deskriptif kualitatif melalui studi literatur danindepth interview dengan tokoh kunci. Hasil penelitian menyimpulkan bahwa model pembiayaanmikro syariah yang tepat untuk meningkatkan kesejahteraan nelayan miskin didasarkan padapermasalahan yang dihadapi oleh nelayan secara bertahap. Jika masalah yang dihadapi nelayanmiskin adalah sebab alamiah, maka model keuangan mikro yang dapat diberikan adalah zakat,qordul hasan dan salam. Jika disebabkan secara kultural, maka model keuangan yang dapatdiberikan melalui pembiayaan qord pendidikan dan qord peralatan produksi. Jika penyebabnelayan miskin adalah teknis, maka model keuangan mikro yang dapat diberikan adalah ijarah,murabahah, musyarakah dan mudharabah Jika penyebabnya adalah struktural, maka modelkeuangan yang dapat diberikan adalah pada level kebijakan melalui sukuk. Dengan berbagaimodel keuangan mikro syariah yang sesuai dengan masalah yang dihadapi insya Allah dapatmeningkatkan kesejahteraan nelayan miskin.Kata kunci : negara maritim, nelayan miskin, keuangan mikro syariah, kesejahteraan nelayan

PENGARUH UMUR, JUMLAH TANGGUNGAN KELUARGA, LUAS LAHAN, PENDIDIKAN, JARAK TEMPAT TINGGAL PEKERJA KE TEMPAT KERJA, DAN KEUNTUNGAN TERHADAP CURAHAN WAKTU KERJA WANITA TANI SEKTOR PERTANIAN DI DESA TAJUK, KEC. GETASAN, KAB. SEMARANG Widyawati, Retno Febriyastuti; Pujiyono, Arif
Diponegoro Journal of Economics Volume 2, Nomor 3, Tahun 2013
Publisher : Diponegoro Journal of Economics

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The agricultural sector in Semarang district has the third contribution in Gross Regional Domestic Product, but it became the most high-sector employment women. This indicates that employment opportunities for women are wide open, so the more you enter the job market. This raises the dual role of the female worker as a housewife as well as workers. This study aims to analyze the factors that affect the flow of time working women farmers in the study village Tajuk, district. Getasan, Semarang.Method of data analysis used in this study is a model of multiple linear regression or OLS with outpouring of work time as the dependent variable, while age, number of dependents, land area, level of education, distance of residence of workers to work, profit as an independent variable.Results of the analysis showed the variables age, number of dependents, land area, the distance of residence to the workplace, and profit a positive and significant effect of the outpouring of women farmers working time. Education variables and no significant negative effect on women farmers outpouring of work time.

ANALISIS PENYERAPAN TENAGA KERJA PADA INDUSTRI KECIL PERABOT RUMAH TANGGA DARI KAYU (Studi Kasus Kabupaten Klaten) Pradana, Venty Oviartha; Pujiyono, Arif
Diponegoro Journal of Economics Volume 3, Nomor 1, Tahun 2014
Publisher : Diponegoro Journal of Economics

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ABSTRACTHome industry of household ware made of wood has a potential to decrease the number of unemployed citizens because will recruits many labor. This industry that in Klaten has increased production value. Unfortunately, this increasing was not balanced with the increasing of investment value, material, and the number of employee. The purpose of this research is to analyze the in influance ofÂ wage capital and production value to word labor demand. This research use the concept of elasticity of demand and offer of employee which based on production theory function. The research used primary data from direct interviews to 91 correspondents whom are entrepreneurs of household ware home industry at Klaten with lists of questions which have been prepared before. To reach the goal, this research use, OLS analysis method. The result of the research shows that: 1. The influence of wage towards the recruitment is negative and not significant to in fluance labor demand. 2. The influence of working capital towards recruitment is positive and significant, means the increase of material will improve the number of recruitment. 3. The influence of production value is positive and significant means the improvement of production value will increase the recruitment number.

ANALISIS PERTUMBUHAN EKONOMI DAN KETIMPANGAN PENDAPATAN ANTAR PROVINSI DI INDONESIA TAHUN 2004-2010 Rita Sari, Norma; Pujiyono, Arif
Diponegoro Journal of Economics Volume 2, Nomor 3, Tahun 2013
Publisher : Diponegoro Journal of Economics

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Throughout Indonesia's economic growth is relatively increased. During 2004-2010 its growth decreased in 2009 due to the impact of the global economic crisis. On the other side, the income gap between regions is caused by the concentration of a regional investment. This research purposed to determine how much inequality between provinces in Indonesia, and to determine the leading sectors in each of 33 provinces in Indonesia so that economic growth can be achieved optimally. The analytical method used was the analysis of economic growth, location quotient (LQ), Shift-share, Klassentypology, Williamson index and inverted U hypothesis.Results of this research showed that: the service and agriculture sectorincluding within the potential sectors to promote economic growth in each province in Indonesia. There still provinces of Indonesia which were classified in the relatively backward province, there are 14 provinces including the relatively backward regions. Income disparities between provinces in Indonesia in 2004-2010 is high (> 0.5) and had declined tendency. While the Kuznetsâ€™inverted â€œUâ€ hypothesis which describes the relationship between growth and inequality prevailing in the Province of Indonesia.Based on these findings suggestions which could be submitted for the development of inter-provincial inequality in Indonesia is implementing development policies that prioritize the still relatively backward provinces without disregardupon the developed provinces which grown rapidly.

ANALISIS EFISIENSI TEKNIS ANGGARAN BELANJA SEKTOR KESEHATAN PEMERINTAH DAERAH KABUPATEN/KOTA DI PROVINSI DAERAH ISTIMEWA YOGYAKARTA TAHUN 2008-2010 Yatiman, Nur; Pujiyono, Arif
Diponegoro Journal of Economics Volume 2, Nomor 1, Tahun 2013
Publisher : Diponegoro Journal of Economics

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This study aimes to analyze the technical efficiency of government budget spending on health sector at districts/cities in D. I. Yogyakarta in 2008-2010. Using the concept of technical efficiency based on production theory, the measurement of the efficiency value is obtained by using analytical methods Data Envelopment Analysis (DEA), which the DEA method the efficiency score obtained in this study of technical efficiency relatively. Based on similar research that ever held by Jafarov and Gunnarsson in 2008, the variable that use in this study are input variable and outcome variable, this research also uses the output intermediate variables. Calculating of technical efficiency score obtained in this study partially done by connecting each of these variables, so that in this study will be found score for technical efficiency and cost efficiency to technical systems. The results showed that generally most of the districts/cities in D. I. Yogyakarta in 2008-2010 is inefficient in technical health care cost. In 2010, the cost technical efficiency score at Sleman 42,14 percent, Bantul 39,18 percent, Gunung Kidul 53,57 percent, and two districts/cities that show 100 percent in cost technical efficiency score are Kulon Progo and Yogyakarta. This phenomenon indicates that not optimal yet in the management of health budget spending but not accompanied by the provision of facilities and health services for the society. Viewed the system technical efficiency, the generally most of the districts/cities in D. I. Yogyakarta done efficien and only Yogyakarta not yet efficien, but the system technical efficiency at Yogyakarta almost efficiency score. This condition reflect to based on analyzing the generally most of districts/cities in the using facilities and primary health care to get optimally the level of public health is efficien.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PRODUKTIVITAS TENAGA KERJA INDUSTRI PENGOLAHAN DI KOTA SEMARANG ( STUDI KECAMATAN TEMBALANG DAN KECAMATAN GUNUNGPATI ) Adhadika, Teddy; Pujiyono, Arif
Diponegoro Journal of Economics Volume 3, Nomor 1, Tahun 2014
Publisher : Diponegoro Journal of Economics

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ABSTRACT Â Â Â Â Â Â Â Â Â Â Â Increasing the amount of labor is not accompanied by an increase in worker performance that will affect the production process and will impede labor productivity. This study aims to analyze the influence of education, wages, incentives, social assurance and work experience on labor productivity in the city of Semarang.Â Â Â Â Â Â Â Â Â Â Â This research used primary data and secondary data. Primary data obtained by the method of interviewing a sample of 100 people labor in Tembalang and Gunungpati city of Semarang. Secondary data obtained in the form of a ready-made form of publication such as the data from the Central Bureau of Statistics (BPS) Jawa Tengah. The analysis tool used is the mathematical models Multiple Linear Regression by SPSS 17.0 program.Â Â Â Â Â Â Â Â Â Â Â The results showed that, only four variables that significantly affect the productivity of labor, education, wages, incentives and work experience, the social was not significant. Coefficient of determination value of 0.823 which means that labor productivity can be explained by the variable factors of education, wages, incentives and work experience is 82,3 percent. While the remaining 17,7 percent of labor productivity can be explained by other variables that is not included in the analysis model in this research.

STRATEGI PEMBENTUKAN KOPERASI PERTANIAN SYARIAH DI JAWA TENGAH: PENDEKATAN ANALYTICAL NETWORK PROCESS (ANP) Pujiyono, Arif; Susanta Nugraha, Hari
Proceeding SENDI_U 2016: SEMINAR NASIONAL MULTI DISIPLIN ILMU DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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Pertanian di Jawa Tengah memiliki potensi yang besar ditinjau dari nilai produk, penyerapan tenaga kerja danpenerimaan devisa. Potensi ini ternyata tidak didukung dengan sistem kelembagaan termasuk keuangan. Koperasiyang selama ini sebagai lembaga soko guru perekonomian dan dekat dengan petani ternyata juga tidak berperanmaksimaL dalam mendukung pembangunan pertanian. Penelitian ini bertujuan untuk menetapkan strategipembentukan koperasi pertanian syariah di di Jawa Tengah dan skim pembiayaan yang paling tepat untuk sektorpertanian. Penelitian ini merupakan penelitian kualitatif dengan menggunakan metode Analytical Network Process(ANP). Hasil analisis metode ANP menunjukkan bahwa strategi pembentukan koperasi pertanian syariah di JawaTengah menghasilkan empat aspek utama, yaitu aspek manajemen, sumber daya manusia, regulasi pemerintah dansosialisasi. Aspek sumber daya manusia menjadi prioritas utama dengan hasil perbandingan berpasangan(Pairwise Comparison) dengan nilai rata-rata sebesar 0,3512, diikuti dengan aspek sumber daya manusia dengannilai rata-rata 0,2506, aspek sosialisasi dengan nilai rata-rata 0,2037 dan terakhir aspek regulasi pemerintahdengan nilai rata-rata 0,0604. Adapun strategi pembentukan koperasi syariah yang paling tepat untuk diterapkanadalah melalui peningkatan pengelolaan manajemen koperas dengan nilai rata-rata sebesar 0,3240, diikuti denganpeningkatan kualitas sumber daya manusia dengan nilai rata-rata sebesar 0,3223, peningkatan dukungan regulasipemerintah dengan nilai rata-rata sebesar 0,2385 dan terakhir peningkatan sosialisasi pentingnya koperasipertanian syariah dengan nilai rata-rata sebesar 0,1149. Adapun skim pembiayaan yang dapat diberikan secarabertahap dan sesuai dengan permasalahan petani adalah qordul hasan, qord, murabahan bi staman ajal,murabahah, salam/istishna, musyarakah dan mudharabah.Kata Kunci: pembangunan pertanian, koperasi pertanian syariah, analytical network process (ANP), pembiayaan

ANALISIS DETERMINAN PENDAPATAN PEDAGANG PASAR BANJARSARI KOTA PEKALONGAN PASCA KEBAKARAN Insan, Nur Elitami; Pujiyono, Arif
ECONBANK: Journal of Economics and Banking Vol 2 No 1 (2020): Edisi April
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jawa Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v2i1.77

The income of traders in the Banjarsari Emergency Market Pekalongan is influenced by various factors, one of which is the trader resources (capital, working hours, business length, education, and business location). This study aims to determine the effect of capital, working hours, business length, education, and business location on the income of traders in the Banjarsari Emergency Market in Pekalongan. There as 95 traders of Banjarsari Emergency Market in Pekalongan were taken as samples with purposive sampling and accidental sampling. This study uses multiple linear regression analysis tools with the Ordinary Least Square (OLS) method. The results showed that capital, length of business, and location of business affect the income of traders. While working hours and education have not affected the income of the trader. Capital provides the most dominant influence on income trader

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI VOLUME IMPOR TEKSTIL DAN PRODUK TEKSTIL DI INDONESIA PERIODE 1989-2018 Tawaqal, Luhur Jalu; Pujiyono, Arif
Diponegoro Journal of Economics Volume 10, Nomor 1, Tahun 2021
Publisher : Diponegoro Journal of Economics

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This research aims to analyze factors that influencing the textile and clothing import volume in Indonesia. The implementation of the 4.0 industrial revolution globally will certainly affect the textile industry and textile products in Indonesia. This research is using an error correction model (ECM) because ECM is the most frequently used approach to analyze time-series data. Also, using structure, conduct, performance paradigm to identify the characteristics of the textile and clothing industry.The data used is secondary data and has taken from credible institutions like Badan Pusat Statistik (BPS), Bank Indonesia (BI), and World Bank within 1989-2018 period. The CR4 value is 9,93 percent indicate that the structure of the textile and clothing industry is an oligopoly. PCM and XEF value shows that the textile and clothing industry in Indonesia has been managed quite well. The variable for the error correction model is import volume for dependent variable and price for imported textiles, price for domestic textiles, GDP, exchange rate, and population.Results shows that in the short term price of imported textile, GDP and exchange rate has a significant effect while the price for domestic textile and population has no significant effect. In the long term, GDP and population have a significant effect while the price of imported textiles, price for domestic textiles, and the exchange rate has no significant effect.

Analisis Perilaku Check-out di Rumah Susun Sederhana Sewa Universitas Diponegoro Setyawan, Rifka Agri; Pujiyono, Arif
Diponegoro Journal of Economics Volume 9, Nomor 1, Tahun 2020
Publisher : Diponegoro Journal of Economics

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One of the various rental housing options in Tembalang is the rental public housing(Rusunawa) of Diponegoro University (UNDIP), which is located on Jalan ProfesorSoedarto S.H., Tembalang, Semarang. Rusunawa UNDIP has a relatively cheap rental pricecompared to rental housing around the UNDIP campus, in addition to the Rusunawa UNDIPis also equipped with several supporting facilities. Although it has a relatively cheapresidential rental price and is equipped with adequate facilities, the UNDIP Flat Housinghas not been matched with optimal housing demand and also has a high level of occupantsdeciding to check out. So that this study has the purpose of finding out what is behind thephenomenon, occurring in the flat of UNDIP.This kind of behavior is interesting and important to do research. This research wasconducted with a qualitative method of phenomenological perspective, preciselyInterpretative Phenomenological Analysis (IPA). The subjects of this study were five peopleand the sampling was done using purposive technique, where all of them were formerresidents of the Rusunawa UNDIP. The beginning of the study was interview activities withthe research subjects, from which interviews were obtained transcripts of interviews whichthen from the transcripts were recorded to compile emergencies themes, super-ordinatethemes, and parent themes. The results of the study obtained four main themes which alsoexplained the background of the occurrence of the phenomenon of the low demand for rentin Rusunawa UNDIP because of management factors, infrastructure, social environment,location, and physical building.

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