scholarly journals Program Pemulihan Ekonomi Nasional Sebagai Kebijakan Penanggulangan Dampak Pandemi Covid-19 Pada Sektor UMKM

2021 ◽  
Vol 8 (2) ◽  
pp. 110-116
Author(s):  
Ratnawaty Marginingsih
Keyword(s):  
Positive Impact ◽  
Descriptive Analysis ◽  
Economic Recovery ◽  
Analysis Technique ◽  
National Economic ◽  
Qualitative Descriptive ◽  
The Government ◽  
Recovery Program ◽  
The Impact ◽  
Economic Recovery Program

Abstrak  Berbagai permasalahan yang terjadi pada UMKM terdampak pandemi cukup dirasakan oleh para pelaku usaha tersebut. Hal ini tentu saja berakibat pada penurunan keuntungan secara signifikan dikarenanakan tingkat produktivitas yang rendah. Langkah terkait pemulihan ekonomi, dalam hal ini pemerintah melalui kementrian keuangan membuat kebijakan luar biasa untuk memitigasi dampak covid-19 dan perlambatan ekonomi dengan membuat Program Pemulihan Ekonomi Nasional (PEN).  Metode penelitian yang digunakan dalam penulisan ini adalah teknik analisis deskriptif kualitatif. Hasil penelitian menujukkan Program Pemulihan Ekonomi Nasional (PEN) memiliki dampak positif bagi sektor UMKM pada masa pandemi covid-19 sebagai langkah kebijakan yang diambil oleh pemerintah untuk mendukung pemulihan perekonomian nasional khususnya sektor UMKM yang memiliki kontribusi cukup besar. Rekomendasi kebijkan penguatan UMKM tidak hanya pada masa pandemi tetapi juga pada masa pemulihan dan pasca pandemi sehingga percepatan pemulihan ekonomi nasional dapat mencapai kestabilannya. Kata Kunci: Program PEN, Kebijkan Pandemi, UMKM  Abstract - The various problems that occur in SMEs affected by the pandemic are quite felt by these business actors. This of course results in a significant reduction in profits due to low productivity levels. Steps related to economic recovery, in this case, the government through the ministry of finance, make extraordinary policies to mitigate the impact of covid-19 and the economic slowdown by creating the National Economic Recovery Program (PEN). The research method used in this paper is a qualitative descriptive analysis technique. The results of the study show that the National Economic Recovery Program (PEN) has a positive impact on the MSME sector during the COVID-19 pandemic as a policy step taken by the government to support the recovery of the national economy, especially the MSME sector which has a significant contribution. Recommendations for strengthening MSME policies are not only during the pandemic but also during the recovery and post-pandemic period so that the acceleration of national economic recovery can achieve stability. Keywords: PEN Program, Pandemic Policy, MSME 

scholarly journals Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19

2021 ◽  
Vol 8 (1) ◽  
pp. 56-64
Author(s):  
Ratnawaty Marginingsih
Keyword(s):  
Positive Impact ◽  
Descriptive Analysis ◽  
Financial Inclusion ◽  
Economic Recovery ◽  
Analysis Technique ◽  
National Economic ◽  
Qualitative Descriptive ◽  
Financial Transactions ◽  
The Impact ◽  
Financial Technology

Abstrak  - Pandemi Covid-19 berdampak pada perlambatan ekonomi nasional, Financial Technology (Fintech) memiliki potensi mengambil peran dalam upaya pemulihan ekonomi. Dampak pandemi covid-19 yang semakin meluas sektor Financial Technology (Fintech) memiliki peran penting untuk meningkatkan inklusi finansial dan kesejahteraan masyarakat.  Metode penelitian yang digunakan untuk penulisan ini adalah teknik analisis deskriptif kualitatif. Hasil penelitian menujukkan keberadaan Financial Technology (Fintech) memiliki dampak positif dimasa pandemi covid-19. Kontribusi Fintech telah banyak membantu masyarakat yang masih belum terlayani lembaga keuangan formal dalam melakukan transaksi keuangan sesuai dengan kebutuhannya. Pemulihan ekonomi nasional dan peningkatan penerimaan negara dimasa pandemi dapat dilakukan dengan dukungan penguatan regulasi terhadap pertumbuhan Fintech yang inklusif dan berkesinambungan yang memiliki potensi sebagai faktor pemicu lompatan yang sangat besar bagi industri pembayaran layanan keuangan digital. Kata Kunci: Financial Technology, Inklusi Keuangan, Ekonomi Nasional  Abstract - The Covid-19 pandemic has an impact on the national economic slowdown, Financial Technology (Fintech) has the potential to play a role in economic recovery efforts. The impact of the Covid-19 pandemic which is increasingly widespread in the Financial Technology (Fintech) sector has an important role to play in increasing financial inclusion and public welfare. The research method used for this writing is a qualitative descriptive analysis technique. The research results show that the existence of Financial Technology (Fintech) has a positive impact during the Covid-19 pandemic. Fintech's contribution has helped many people who are still not served by formal financial institutions in carrying out financial transactions according to their needs. National economic recovery and increased state revenue during the pandemic can be carried out with the support of strengthening regulations for inclusive and sustainable Fintech growth which has the potential to trigger a huge leap for the digital financial service payment industry. Keywords: Financial Technology, Financial Inclusion, National Economy

scholarly journals Macroeconomic Policy Responses to COVID-19: A Case of Indonesia

SENTRALISASI ◽  
2021 ◽  
Vol 10 (2) ◽  
pp. 118
Author(s):  
Acwin Hendra Saputra ◽  
I Gede Agus Ariutama
Keyword(s):  
Economic Crisis ◽  
Economic Recovery ◽  
Legal Certainty ◽  
Domino Effect ◽  
Health Crisis ◽  
Policy Responses ◽  
National Economic ◽  
The Government ◽  
Recovery Program ◽  
The Impact

The health crisis triggered by the COVID-19 virus has spread to a multidimensional crisis and has a domino effect on the socio-economic and financial sectors. The economic crisis as the impact of the COVID-19 pandemic has become increasingly severe because it was accompanied by lockdown and physical distancing policies which resulted in decreasing productivity in the economy. The purpose of this research is to describe the structured efforts taken by the Government of Indonesia in dealing with the impact of the COVID-19 pandemic. The policy combination adopted by the Government of Indonesia is in the form of policies to issue a series of regulations providing legal certainty and flexibility while still highlighting the accountability. Refocusing and budget reallocation are also taken by the government to provide more flexible space for Ministries/Institutions to contribute to managing the impact of COVID-19. Another policy is the issuance of three stimulus packages and the launch of the National Economic Recovery Program (PEN).

scholarly journals THE EFFECT OF THE NATIONAL ECONOMIC RECOVERY PROGRAM ON MSME PRODUCTIVITY DURING THE COVID-19 PANDEMIC

2021 ◽  
Vol 10 (1) ◽  
pp. 103-120
Author(s):  
Khotim Fadhli ◽  
Zuni Miftakhur Rohmah
Keyword(s):  
Quantitative Research ◽  
Sampling Technique ◽  
Economic Recovery ◽  
Tax Incentive ◽  
National Economic ◽  
Increase Productivity ◽  
The Government ◽  
Recovery Program ◽  
Research Analysis ◽  
Economic Recovery Program

This study aims to analyze the effect of the national economic recovery program (PEN) in Indonesia in an effort to increase productivity for MSME actors due to the Covid-19 pandemic. The economic sector, which has also been affected by the Covid-19 pandemic, has resulted in many MSMEs experiencing a decline in turnover, even going bankrupt. So the government makes programs through the national economic recovery policy (PEN) to overcome the problems faced by MSMEs. This research is a quantitative research, with the population in the study are all MSMEs in the Gudo Manik-Manik Center, Jombang Regency, which then determined a sample of 73 respondents using the slovin formula. The sampling technique used was probability sampling with the random sampling method, because taking all the population, namely MSME Gudo Manik-Manik Center, had the same opportunity to become respondents. Data was taken using a questionnaire. The research analysis used is multiple linear regression using SPSS 26. The results of the study state that, the tax incentive which is an economic recovery program (PEN) has no effect on the productivity of MSMEs during the COVID-19 pandemic at the Manik-Manik Gudo Jombang Center. Meanwhile, loan restructuring, which is an economic recovery program (PEN) has a significant impact on MSME productivity during the Covid-19 pandemic at the Gudo Manik-Manik Center. Simultaneously, tax incentives and loan restructuring, which are part of the economic recovery program (PEN) have a significant influence on the productivity of MSMEs during the Covid-19 pandemic at the Gudo Manik-Manik Center, Jombang.

scholarly journals Analisis Dampak Implementasi Dana Desa dan Alokasi Dana Desa terhadap Tata Kelola Pemerintahan, Kualitas Layanan Publik, Dan Kesejahteraan Masyarakat Desa (Studi Pada Desa di Kecamatan Batang Cenaku, Kabupaten Indragiri Hulu, Provinsi Riau)

2020 ◽  
Vol 5 (1) ◽  
pp. 20
Author(s):  
Suwaji Suwaji ◽  
Suharmiyati Suharmiyati
Keyword(s):  
Public Services ◽  
Positive Impact ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Village Governance ◽  
Village Communities ◽  
The Government ◽  
The Impact ◽  
The Village

The government policy of disbursing Village Funds and Village Fund Allocation is a breakthrough that is able to provide new enthusiasm for the implementation of rural development, where village funds obtain a clear source, direction of implementation, supervision and reporting system, it is expected to be able to spur improvement in village governance and grow impact on improving the welfare of the village or village community. The research was carried out in the village in the scope of Batang Cenaku District, Indragiri Hulu Regency, Riau Province. The research objective is to get an idea of the extent of the impact of the implementation of village funds on village governance, the quality of public services, and the welfare of village communities. This study uses primary and secondary data with a quantitative descriptive approach, from questionnaires that have been successfully distributed and collected then conducted a descriptive analysis, to test hypotheses using SPSS program tools. The results of the analysis that have been done show that the implementation of village funds has a positive impact on governance, implementation of village funds and allocation of village funds have a positive impact on the quality of public services, and implementation of village funds and allocation of village funds have a positive impact on the welfare of the community in the village, however if viewed more closely, the impact of implementing village funds and allocation of village funds on village governance is higher than the impact of implementing village funds on the quality of public services, and the impact of implementing village funds and allocation of village funds in improving the welfare of village communities. 

scholarly journals THE IMPACT OF WHATSAPP TOWARD UAD UNDERGRADUATE STUDENTS’ BEHAVIOR IN LEARNING PROCESS

2020 ◽  
Vol 1 (1) ◽  
pp. 55
Author(s):  
Umar Rahaded ◽  
Erna Puspitasari ◽  
Dian Hidayati
Keyword(s):  
Social Media ◽  
Undergraduate Students ◽  
Learning Process ◽  
Student Behavior ◽  
Teaching And Learning ◽  
Negative Impact ◽  
Positive Impact ◽  
Descriptive Analysis ◽  
Analysis Technique ◽  
The Impact

WhatsApp is one of the social media that is used to communicate in the learning process. At present, students cannot be separated from their daily activities away from this social media. This opportunity can be utilized as well as possible by the students. This research was conducted to find out of using WhatsApp toward undergraduate students’ behavior in the teaching and learning process. This study was descriptive qualitative research. The data were analyzed using descriptive analysis technique. The data were collected using interviews, observation, and documentation. The aim of this study to analyze the impact of WhatsApp toward undergraduate students’ behavior and to analyze students’ behavior in their learning process. The result of this research showed that are a positive impact on student behavior as it affects the learning process as, students’ sharing knowledge, student preparation for class, attention, student participation in class, student learning, desires to take additional classes or in subject matter and the negative impact such as, students are more focused.

scholarly journals Democratic Governance and Social Service Delivery in Africa: the case of Taraba State, Nigeria

2021 ◽  
Vol 17 (28) ◽  
pp. 35
Author(s):  
Jonah I. Onuoha ◽  
Rimamchaten A. Lawi ◽  
Paul A. Onuh ◽  
Ifeanyi J. Onuoha
Keyword(s):  
Service Delivery ◽  
Social Service ◽  
Descriptive Analysis ◽  
Democratic Governance ◽  
Colonial State ◽  
Secondary Sources ◽  
Social Service Delivery ◽  
Qualitative Descriptive ◽  
The Government ◽  
The Impact

Postcolonial leadership is implicated in the distorted development and crisis of governance in Nigeria. The political leadership emerged from authoritarian traditions of the colonial state and pursued self-interests against collective societal interests; the mode of the emergence of the leaders as well as the context in which they operate usually impact on the nature and trend of social welfare provisioning. Relying on data from secondary sources, this study examined the impact of democratic governance on social service delivery with Taraba State and education as a case study. The data analysis was based on qualitative descriptive analysis. We found that the education sector under the two administrations between 1999 and 2014, was not prioritized in budgetary allocation, in contravention of UNESCO recommendation that 26% of the budget be dedicated to education. The study recommends, among others, that the government must show commitment to education as a matter of deliberate policy to allocate the required minimum percentage pecked by UNESCO to enhance educational development in Taraba state.

scholarly journals Socio-Economic Conditions of Fruits Seller Collectors in Ubung Kaja Village, North Denpasar Sub-district, Denpasar City

2020 ◽  
Vol 8 (2) ◽  
pp. 135
Author(s):  
NP Kanya Mitha ◽  
Widhianthini Widhianthini ◽  
Ketut Rantau
Keyword(s):  
Small Businesses ◽  
Descriptive Analysis ◽  
Working Hours ◽  
Education Level ◽  
School Level ◽  
Economic Conditions ◽  
Regional Market ◽  
Analysis Technique ◽  
Qualitative Descriptive ◽  
The Government

Socio-economic conditions of fruits seller collectors in Ubung Kaja village, North Denpasar sub-district, Denpasar City is a human position that is seen from the type of economic activity, income, education level, age, type of residence, and wealth owned. Fruits seller collectors in Ubung Kaja village, North Denpasar sub-district, Denpasar City is privately owned business that is not included in the market, while the market is regulated and developed by regional market companies. The gathering of fruits seller collectors in a location quite close to the market will cause competition between fruits seller and fruits seller collectors outside the market. The aim of this research are to analyze socio-economic conditions fruits seller collectors, economic, social dan institutional constraints, and strategies to resolve the constraints. Fruits seller collectors in this study include icome, initial capital, age, number of employees, and working hours. The research sample of 40 fruits seller collectors. The analysis technique used in this study are qualitative descriptive analysis and Interpretive Structural Modelling (ISM). The results of this study indicate that most traders are included in the category of small businesses and five of them are included in the micro business category with productive age and education level up to secondary school level. The element of constraints on micro business collectors who need attention is the income of fruits seller collectors. The strategy to resolve is marketing the fruit by online. The suggestions obtained from this research are for the government  is optimizing people’s business credit assistance and for the fruits seller collectors is better to keep inovating and developing business by utilizing social media.

scholarly journals Dampak Implementasi Restrukturisasi Pembiayaan terhadap Likuiditas Bank Syariah pada Situasi Pandemi Covid-19

2020 ◽  
Vol 3 (2) ◽  
pp. 282-316
Author(s):  
Abdul Kholiq ◽  
Rizqi Rahmawati
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Human Life ◽  
Descriptive Analysis ◽  
Business Units ◽  
A Value ◽  
Qualitative Descriptive ◽  
Credit Financing ◽  
The Government ◽  
The Impact

The Covid-19 pandemic has had a significant impact in all aspects of human life, such as in the health, education, social, economic and banking sectors. To restore the economic and banking sectors, the government through The Financial Services Authority issued Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. One of the things described in POJK Number 11 /POJK.03/2020 is the implementation of credit or financing restructuring for debtors who were affected during the Covid-19 pandemic. The implementation of this credit / financing restructuring has raised concerns about bank liquidity. This study uses a qualitative descriptive analysis method by describing the phenomena that occur due to the impact of Covid-19 on the global and national economy, Indonesian government policies, and banking. The results showed that during the period March-September 2020 the average Financing to Deposit Ratio (FDR) in Islamic Commercial Banks showed a value of 79.31% where the highest ratio occurred in July with a ratio level of 81.03% and the lowest ratio occurred in September with a ratio of 77.06%. Under these conditions, in general the level of liquidity of Islamic commercial banks is categorized as healthy or liquid. The average FDR ratio in Sharia Business Units for the period March-September 2020 shows a value of 103.54% where the highest ratio occurred in May with an FDR ratio of 107.20% and the lowest ratio occurred in September with an FDR ratio of 95.87%. Under these conditions, in general the liquidity level of the Sharia Business Unit is categorized as less healthy or less liquid.Pandemi Covid-19 telah memberikan dampak yang signifikan dalam segala segi kehidupan manusia seperti dalam bidang kesehatan, pendidikan, sosial, ekonomi maupun sektor perbankan. Untuk memulihkan sektor ekonomi dan perbankan, pemerintah melalui Otoritas Jasa Keuangan mengeluarkan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. Salah satu hal yang dijelaskan dalam POJK Nomor 11 /POJK.03/2020 adalah pemberlakuan restrukturisasi kredit atau pembiayaan bagi debitur yang terdampak selama pandemi Covid-19. Pemberlakuan restrukturisasi kredit/pembiayaan ini memunculkan kekhawatiran terhadap likuiditas bank. Penelitian ini bertujuan untuk menganalisa dampak implementasi restrukturisasi pembiayaan terhadap likuiditas bank syariah pada situasi pandemic covid-19. Penelitian ini menggunakan  metode analisis deskriptif kualitatif dengan cara mendeskripsikan fenomena-fenomena yang terjadi akibat dampak Covid-19 terhadap perekonomian global maupun nasional, kebijakan pemerintah Indonesia, serta perbankan. Hasil penelitian menunjukkan bahwa selama periode Maret-September 2020 rata-rata rasio Financing to Deposit Ratio (FDR)  pada Bank Umum Syariah menunjukkan nilai 79,31% dimana rasio tertinggi terjadi pada bulan Juli dengan tingkat rasio 81,03% dan rasio terendah terjadi pada bulan September dengan tingkat rasio 77,06%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas bank umum syariah dikategorikan sehat atau likuid. Rata-rata rasio FDR pada Unit Usaha Syariah periode Maret-Septemer 2020 menunjukkan nilai 103,54% dimana rasio tertinggi terjadi pada bulan Mei dengan tingkat rasio FDR 107.20% dan rasio terendah terjadi pada bulan September dengan tingkat rasio FDR 95.87%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas Unit Usaha Syariah dikategorikan kurang sehat atau kurang likuid.  

scholarly journals Pemulihan Ekonomi Nasional di Masa Pandemi Covid-19 Melalui Trans-formasi Strategi Bisnis UMKM

2021 ◽  
Vol 1 (3) ◽  
pp. 150-161
Author(s):  
Hildawati
Keyword(s):  
National Economy ◽  
Business Strategy ◽  
Descriptive Analysis ◽  
Business Strategies ◽  
Literature Study ◽  
Analysis Technique ◽  
Qualitative Descriptive ◽  
The Government ◽  
Business Entities ◽  
Data Collection Technique

Prior to the Covid-19 pandemic, UMKM contributed to Indonesia's GDP up to 60%. This fact shows that it has been proven to be able to reduce poverty and be able to absorb more workers than other business entities, thereby reducing unemployment. The main problem of this research is how is the transformation of UMKM business strategy in the recovery of the national economy during the Covid-19 pandemic? The purpose of this study is to describe that by transforming business strategies, UMKM have the potential for national economic recovery during the Covid-19 pandemic. This research is a qualitative descriptive study. The data collection technique used is literature study. Sources of data in this study using textbooks, articles, journals and statistical data. Data analysis technique is descriptive analysis. The results of the study show that in dealing with the Covid-19 pandemic, one of the important steps that the government can take for the recovery of the national economy is to pay attention to the growth and development of UMKM in Indonesia. Along with the current digitalization era, to realize innovative, productive and adaptive UMKM in the midst of the Covid-19 pandemic, UMKM need to transform digital-based business strategies. The contributions of this research include theoretical contributions and methodological contributions. The implication of this research is that the transformation of business strategy is a simple concept that can be carried out in the recovery of the national economy during the Covid-19 pandemic.

scholarly journals Program Dana Pemberdayaan Ekonomi Masyarakat Di Kecamatan Oebobo Kota Kupang

2021 ◽  
Vol 18 (2) ◽  
pp. 46
Author(s):  
Semarch Dewi Ayu Putri Bida ◽  
Nikson Tameno ◽  
Novi Theresia Kiak
Keyword(s):  
Positive Impact ◽  
Public Awareness ◽  
Descriptive Analysis ◽  
Community Empowerment ◽  
Economic Empowerment ◽  
Financial Reports ◽  
Analysis Techniques ◽  
Qualitative Descriptive ◽  
The Impact ◽  
Roll Out

This study examines the Community Economic Empowerment Fund Program, one of the policies to empower people in Kupang City with interest-free funds as capital for developing productive businesses to increase the potential economic community. This study aims to explain the impact of community business development on community empowerment programs by looking at the factors in the delay in returning the program funds and using qualitative descriptive analysis techniques with investigations by interviewing several key informants, including the Chairperson of the LPM, village facilitators, and community recipients of PEM funds. The results showed the implementation of the Community Economic Empowerment Fund program in Oebobo District had a positive impact on increasing community income, community business productivity, community independence, the initial funding roll-out stage from 2013 to 2019 for the community in Oebobo District, Kupang City, and also increasing public awareness of community economic empowerment fund assistance that helps develop community businesses. But on the other hand, there are still arrears caused by several factors, namely lack of understanding from the recipient of the funds, business congestion, absence of financial reports, culture, change of facilitators, and other unexpected things. Keywords                    : Community independence; Increased revenue; PEM Fund ProgramCorrespondence to      : [email protected]                                                 Penelitian ini mengkaji Program Dana Pemberdayaan Ekonomi Masyarakat yang merupakan salah satu kebijakan untuk memberdayaan masyarakat di Kota Kupang dengan  bantuan dana tanpa bunga sebagai modal untuk pengembangan usaha produktif demi meningkatkan potensi perekonomian masyarakat. Penelitian ini bertujuan untuk menjelaskan dampak pengembangan usaha masyarakat dengan adanya program pemberdayaan masyarakat dengan melihat faktor- faktor  terjadinya keterlambatan  pengembalian dana program tersebut. Dengan menggunakkan teknik analisis deskriptip kualitatif dengan investigasi mewawancarai beberapa informan kunci, meliputi Ketua LPM, fasilitator kelurahan selaku tenaga pendamping serta masyarakat penerima dana PEM. Hasil penelitian menunjukkan bahwa Pelaksanaan program Dana Pemberdayaan Ekonomi Masyarakat di Kecamatan Oebobo menghasilkan dampak positif meningkatkan pendapatan masyarakat, produktivitas usaha masyarakat, kemandirian masyarakat, tahap pengguliran dana tahap awal  dari tahun 2013 hingga 2019 bagi masyarakat di Kecamatan Oebobo Kota Kupang dan juga peningkatan kesadaran masyarakat terhadap bantuan dana pemberdayaan ekonomi masyarakat yang membantu pengembangan usaha masyarakat. Namun disisi lain masih terdapat tunggakan  yang disebabkan oleh beberapa faktor yaitu kurang ada pemahaman dari penerima dana , kemacetan usaha, tidak adanya  laporan keuangan , budaya, pergantian fasilitator dan hal tak terduga lainnya. Kata Kunci:  Kemandirian masyarakat; Peningkatan Pendapatan; Program Dana PEM

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