scholarly journals The Impact of Peer-to-Peer (P2P) Lending on Business Development of Small and Medium-Sized Enterprises

2021 ◽  
Vol 5 (2) ◽  
pp. 201
Author(s):  
Rindah Febriana Suryawati ◽  
Duhita Paramaramya Putri Nurdana
Keyword(s):  
Financial Institution ◽  
Peer To Peer ◽  
T Test ◽  
Least Square ◽  
Significant Difference ◽  
Before And After ◽  
P2p Lending ◽  
Peer Lending ◽  
The Impact ◽  
Paired T Test

The problem faced by most micro-entrepreneurs in Indonesia is financing business. Peer-to-peer (P2P) lending is a non-bank financial institution that can be an alternative source of financing because of the requirements and easy application usage. This study aims to analyze the impact of peer-to-peer lending on business expenses, business turnover, total employment, total sales of products, and profits before and after obtaining a peer-to-peer lending loan and analyze factors affecting the increase in business turnover after getting a loan through peer-to-peer lending. The methods used in this study include the descriptive analysis method, paired t-test, and ordinary least square (OLS). The paired t-test results indicate that there is a significant difference between business expenses, business turnover, the amount of labor, the number of product sales, and profit before and after obtaining a peer-to-peer lending loan. The result of analysis with the OLS method shows that the length of business and expenditure of the business has a significant effect on the development of respondents' business turnover.

scholarly journals EFFECTIVENESS OF "SM" TOOL TO REDUCE DETERGENT LEVELS IN LAUNDRY WASTEWATER

2020 ◽  
Vol 39 (4) ◽  
pp. 199-202
Author(s):  
Tri Marthy Mulyasari
Keyword(s):  
Liquid Waste ◽  
T Test ◽  
P Value ◽  
Clean Water ◽  
Significant Difference ◽  
Before And After ◽  
Health Quality ◽  
The Impact ◽  
Paired T Test

Introduction: The use of detergent every year is increasing in line with the population growth rate in Indonesia. The impact of excessive use of detergent will result in pollution and damage to ecosystems and aquatic biota. The nature of detergents is to damage microorganisms. The dominant laundry waste comes from softeners and detergents. The research aimed to analyze the effectiveness of the "SM" tool to reduce detergent levels in laundry wastewater. Methods: This type of research was pre-experimental with a one-shot case study design. The independent variable was a tool to recycle laundry liquid waste into clean water "SM." The dependent variable was the detergent level (MBAS). The sample came from the laundry in the Kecamatan Baturraden area. Replication was carried out six times. Analyzing differences in detergent levels before and after being treated with the "SM" tool. The analysis used a paired T test. Result and discussion: The experimental results showed the “SM” tool could treat 960 liters of wastewater/day. The physical quality of the water after being treated using the “SM” tool, the water was colorless or clear, but it still smelled slightly fragrantly. The average level of detergent level checks before processing was 2.52 mg/L and after processing was 0.01 mg/L. The effective detergent parameter (MBAS) decreased by 99.51%, categorized as quite effective. The analysis using the paired T Test showed the p value of 0.239 with the lower and upper values being at one pole, meaning there was a significant difference between detergent levels before and after being processed utilizing the "SM" tool. Conclusion: Detergent levels (MBAS) after processing met the chemical quality requirements of clean water in accordance with Regulation of the Minister of Health Number 32 of 2017 concerning Environmental Health Quality Standards and Water Health Requirements for Sanitation Hygiene, Solus Per Aqua and Public Bathing Needs.

scholarly journals Peer-to-Peer Lending Syariah dan Dampaknya terhadap Kinerja serta Kesejahteraan Pelaku Usaha Mikro dan Kecil (UMK) pada Masa Pandemi Covid-19

Al-Muzara ah ◽  
2021 ◽  
Vol 9 (1) ◽  
pp. 109-127
Author(s):  
Aphylla Planifolia Harp ◽  
Resfa Fitri ◽  
Yekti Mahanani
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Logistic Regression Analysis ◽  
Family Income ◽  
Peer To Peer ◽  
T Test ◽  
Before And After ◽  
P2p Lending ◽  
Asset Growth ◽  
Paired T Test

Peer-to-Peer (P2P) lending is one of the mechanisms to overcome capital problems for the MSE sector, especially during the Covid-19 pandemic. P2P lending has the highest asset growth compared to other financial technology (fintech) schemes and mostly preferred by the majority of population. As a country with a majority Muslim population, people prefer to use sharia P2P lending, but its role has not been widely documented in the literature. MSEs are business enterprises that contribute greatly to the national gross domestic product (GDP) and absorb the most labor. This study aims to analyze the effect of sharia (P2P) lending on the performance and welfare of MSEs during the Covid-19 pandemic. The method of analysis consists of paired t-test, OLS and logistic regression analysis. Paired t-test results show that there are differences in turnover, profits, operating costs, and the number of MSE workers before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings significantly affect the welfare of MSE actors.

scholarly journals Comparison of Copper Level and Color Vision in Pulmonary Tuberculosis Patients Before and After Ethambutol Treatment in Category I and II

2020 ◽  
Vol 3 (1) ◽  
pp. 19-25
Author(s):  
Febria Restissa ◽  
Ahmad Rasyid ◽  
Devi Azri Wahyuni
Keyword(s):  
Color Vision ◽  
Total Error ◽  
T Test ◽  
Wilcoxon Test ◽  
Copper Level ◽  
Tuberculosis Patients ◽  
Vision Disorder ◽  
Significant Difference ◽  
Before And After ◽  
Paired T Test

ABSTRACT Objective : to determine the correlation between duration of ethambutol and copper levels in serum with color vision disorder examined with Farnsworth Munsell 100 Hue (FM100) in patients with tuberculosis. Methods: This study was an explorative observation of 20 samples during November 2017 - January 2018 period. Comparative analysis using independent t-test, paired t-test, Wilcoxon test and Mann-Whitney test, while correlation analysis using Spearman's test and Pearson's test.  Results: There was a significant difference of FM100 value before and after in category I (p=0.000) with increase of total error value 11.80+5.31 or category II (p=0.000) with increase of total error value 15.00+7.41. There was significant difference of Cu2+ level before and after in category I (p=0.005) with decrease of Cu2+ level 15.57+5.04 mg/dL or category II (p=0.005) with decrease of Cu2+ level 31.66+7.35 mg/dL. There was significant correlation between color vision and duration of ethambutol (p=0.000), but there was no significant correlation of Cu2+ with color vision (p>0.05). Conclusion: The duration of Ethambutol was related to changes in color vision examined with FM100.

scholarly journals Analysis The Level Of Cattleman’s Knowledge Using The T-Test And Wilcoxon In Maju Farmer Group

2020 ◽  
Vol 15 (1) ◽  
pp. 1
Author(s):  
Bismi Widi Hastari ◽  
Dyah Gandasari ◽  
Harry Harry
Keyword(s):  
T Test ◽  
Statistical Software ◽  
City Administration ◽  
Group Data ◽  
Significant Difference ◽  
Urine Production ◽  
Before And After ◽  
Post Test ◽  
Level Of Knowledge ◽  
Paired T Test

Tani Maju farmer group is one of the farming groups located in Rorotan Village, Cilincing District, North Jakarta City Administration. This group has a lot of sheep and advanced management. Despite they manage their sheep well, they are not well informed on how to manage the sewage from their castles (faces and urine). So far, they just throw away the sewage or gave them to fellow farmers. This study aimed to analyze the level of farmers' knowledge in making use of sheep's urine to be degraded into bio urine in the Maju Farmer group. Data was collected through the pre-test and post-test. The data were analyzed using paired t-test and Wilcoxon statistical software (IBM SPSS Statistics 25). The results of the study showed that farmers' knowledge in sewage (Urine) management increased; there is a significant difference in farmers' level of knowledge in bio urine production before and after bio urine extension.

Comparison among investment and return in dairy activity by beneficiaries of Jeevika project in Bihar state, India

2017 ◽  
Vol 36 (03) ◽  
Author(s):  
Kirti . ◽  
B. Jirli ◽  
Pankaj Kumar Mandal
Keyword(s):  
T Test ◽  
Significant Difference ◽  
Before And After ◽  
Micro Level ◽  
Bihar State ◽  
Positive Effect ◽  
Level Analysis ◽  
Paired T Test

Bihar is one of the poorest and most populous states in India. The share of employment in agriculture and allied activities is 68.9 percent in Bihar. This study is attempting to undertake a micro level analysis of collected data to assess the investment as well as return in Dairy activity carried out by Jeevika project in Muraul Block of Muzaffarpur District. Study revealed that calculated ‘t’ value of investment (12.533) and return (19.589) was more than table‘t’ value (1.977) of investment and return respectively. Comparison among investment as well as return in Dairy activity practiced by the respondents, before and after joining the project through paired t-test, showed a significant difference hence providing positive effect on the life of project beneficiaries.

scholarly journals DAMPAK KRISIS GLOBAL TERHADAP NON PERFORMING LOAN BANK DEVISA NASIONAL

2016 ◽  
Vol 4 (2) ◽  
pp. 81
Author(s):  
Suharyono Suharyono ◽  
Teguh Widodo
Keyword(s):  
Key Words ◽  
Foreign Exchange ◽  
T Test ◽  
Global Crisis ◽  
Significant Difference ◽  
Before And After ◽  
Composite Rating ◽  
The Impact

Abstract: The global crisis has resulted non performing loan (NPL) increased. The measurement of the banks non performing loan ratio is applicable to assess the composite rating of a bank, as the impact of the global crisis toward non performing loan of foreign exchange banks. This study aimed to determine whether there was significant difference between foreign exchange banks non- performing loan before and after the global crisis. The Bank’s non performing loans   was measured by comparing the Non-Performing Loan to the total credit. The population of this study was 35 foreign exchange  banks.   The Hypothesis was tested by using Mann Whitney  different test and Independent Sample T Test. The research of this study showed that non performing loan of foreign exchange banks before, during, and after global crisis did not have significant difference. Key words: NPL, Bank, Foreign Exchange, Crisis, global.

scholarly journals DAMPAK PENERAPAN PP NOMOR 46 TAHUN 2013 ATAS PEMBAYARAN PAJAK OLEH WAJIB PAJAK KPP PRATAMA MANADO

2015 ◽  
Vol 6 (2) ◽  
Author(s):  
Yuli Rawun ◽  
Agus T. Poputra ◽  
Lintje Kalangi
Keyword(s):  
Income Tax ◽  
Government Regulation ◽  
T Test ◽  
Paired Sample ◽  
Significant Difference ◽  
Before And After ◽  
The Government ◽  
Tax Payments ◽  
The Impact ◽  
Year 2013

In an effort to increase voluntary compliance with tax obligations and encourage the contribution of revenues from the UMKM sector, the Government has issued Government Regulation No. 46 2013. The new Tax Regulation has the advantage of rates that are used less than the previous fare, ie 1% of gross turnover.Regulation No. 46 2013 taxpayer applies for personal and / or agency that has a certain gross income, ie income less than 4.8 M. The aim of this study was to analyze the impact of adoption of Government Regulation No. 46 2013 of Paying Income Tax by Taxpayers at KPP Pratama Manado. The analytical method used is using two different test samples / dependent groups (paired) or Paired Sample T Test. Paired Sample t test course used when the two groups are interconnected. Two paired sample means a sample with the same subject but have two different treatments or measurements of, for example, before and after. Results of this study indicate that there is a difference between before and after the enactment of Government Regulation No. 46 Year 2013, but the difference that causes a decrease in the amount of tax paid by individual taxpayers who use the recording but for individual taxpayers who use the books there is no significant difference. As for corporate taxpayers that difference causes an increase on the amount of income tax payments by using final tax. Thus the application of Regulation No. 46 Year 2013 needs to be socialized again to taxpayers who are not registered in the KPP Pratama Manado in order to increase the amount of income tax payments.

scholarly journals Pengaruh Pendidikan Kesehatan Terhadap Upaya Pencegahan Hipoglikemia Pada Pasien Diabetes Mellitus Di Ruang Intensive RSUD DR. Moewardi Surakarta Tahun 2016

2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Arnis Prilli Dharmastuti ◽  
Dwi Ariani Sulistyowati
Keyword(s):  
Diabetes Mellitus ◽  
Health Education ◽  
T Test ◽  
Test Analysis ◽  
Value Of Knowledge ◽  
Glucose Levels ◽  
Variable Approach ◽  
Significant Difference ◽  
Before And After ◽  
Paired T Test

Abstract: Hypoglycemia, Health Education, Knowledge, Patient. Hypoglycemia is one of the complications faced by people with diabetes mellitus, ie blood glucose levels fall below 50 to 60 mg / dl. Hypoglycemia may occur acutely, suddenly and can be life-threatening. Management of diabetes mellitus one of them is health education, especially about complications, namely Hypoglycemia. The objectives of this study were 1) to identify the level of knowledge of diabetes mellitus patients about prevention of hypoglycemia prior to health education 2) to identify the knowledge level of diabetes mellitus patients about hypoglycemia prevention after health education 3) to analyze knowledge change about prevention of hypoglycemia in patients with diabetes mellitus before and after the provision of health education in the intensive space of Dr Moewardi Hospital in 2016. This research type is experimental with pre-experimental design, variable approach using pre and post test designs method and data analysis used is Paired T-Test. The result of this research is there is influence of health education toward prevention effort of hypoglycemia in patient of diabetes mellitus in intensive room of Dr Moewardi Hospital 2016. This is proved by Paired T-Test test analysis on the value of knowledge before and after given health education obtained t count = -19,090, whereas t table value 2,042 so value -t arithmetic <-t table (-19,090 <-2,042) and sig. 0.000 (<0.05) then Ho is rejected and Ha accepted, meaning there is a significant difference between the value of knowledge before and after being given health education about hypoglycemia. There is an influence of health education on prevention of hypoglycemia in people with diabetes mellitus in intensive space Dr Moewardi Hospital in 2016.

scholarly journals Pengaruh Terapi Integrasi Sensori Terhadap Tonus Anak Dengan Sensory Integration Disorder (SID) Berdasarkan Skor Clinical Observation Of Neuromotor Performance (CONP) Di Mitra Ananda Surakarta

2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Erna Ariyanti Kurnianingsih
Keyword(s):  
Sensory Integration ◽  
Clinical Observation ◽  
Muscle Tone ◽  
T Test ◽  
P Value ◽  
Sensory Integration Therapy ◽  
Significant Difference ◽  
Before And After ◽  
Postural Muscle ◽  
Paired T Test

Abstract: Sensory Integration Therapy-Muscle Tonus-Clinical Observation Of Neuromotor Performance. Special need children such as down syndrome, autism and intellectual disability suffered from Sensory Integration Disorder (SID) will have an impact on the weakness of postural muscle tone. Muscle tone measurement of children with SID is different from other children without SID. Clinical observation of neuromotor performance (CONP) is used as of one of criteria of muscle muscle tone in children with SID. The study aimed at finding theeffect of sensory integration therapy towards muscle tone based on Score of Clinical Observation of Neuromotor Performance (CONP) at Mitra Ananda Surakarta. The study was designed as quasi experiment one group pretest posttest design. population of this study is client with SID at Mitra Ananda Surakarta , by total sampling there are a number of 12 samples. Paired t-test is applied for analizing data with SPSS version 17.0. Paired t-test portrayed p-value > 0.05 it means that there are no significant difference in muscletone, before and after treatment. Sensory integration therapy doesn’t affect muscle tone for shildren with SID Based on Score of Clinical Observation of Neuromotor Performance (CONP) at Mitra Ananda Surakarta

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