scholarly journals Analysis of Factors That Affect the Use of Microfinance for Microbusiness Development in Ghana

2022 ◽  
pp. 103-126
Author(s):  
Yahaya Alhassan ◽  
Uzoechi Nwagbara ◽  
Samuel Salia
Keyword(s):  
Economic Growth ◽  
Work Experience ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Northern Region ◽  
Policy Implications ◽  
Personal Attributes ◽  
Survey Questionnaire ◽  
Prior Work ◽  
The Government

This chapter examined the factors that affect the use of microfinance for microbusiness development in Ghana. The study employed semi-structured survey questionnaire to determine whether an entrepreneur's personal attributes impede or facilitate microbusiness development in Ghana. Multiple linear regression analysis was conducted to determine the effects of entrepreneur's personal attributes on the monthly sales, number of employees, business assets, and capital stock of microbusinesses that received credit from a microfinance provider in the northern region of Ghana. The findings of the study suggest that micro-entrepreneur prior work experience, occupation, and prior income facilitate the use of microfinance for microbusiness development. These findings have policy implications for the government of Ghana and other agencies that are interested in using microfinance as a catalyst for economic growth in deprived communities in the country.

scholarly journals ANALISIS PENGARUH DANA ALOKASI UMUM (DAU) DAN PENDAPATAN ASLI DAERAH (PAD), TERHADAP PERTUMBUHAN EKONOMI DI KABUPATEN DELI SERDANG DENGAN BELANJA DAERAH SEBAGAI VARIABEL INTERVENING

2019 ◽  
Vol 5 (2) ◽  
pp. 247-260
Author(s):  
Rahmat Daim Harahap ◽  
Muhammad Ikhsan Harahap ◽  
Meilya Evita Syari
Keyword(s):  
Economic Growth ◽  
Regression Analysis ◽  
Linear Regression ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Regional Income ◽  
The Government ◽  
And Control

The government hold significant role in the implementation of fiscal economy policy to achieve the main goal of development: high economic growth, decrease of unemployment, and control of inflation, income and expenditure that can be used in increasing economic growth. Regional incomes are locally-generated revenue, General Allocation Fund. Meanwhile, cost is regional expenditures. Thus, this study is aimed to determine the influence of the General Allocation Fund and Regional income on economic growth with the role of Regional Expenditure as an intervening variable. The study was located on Deli Serdang Regency. This is a quantitative research with multiple linear regression analysis by using SPSS. The result shows that General Allocation Fund and Regional income influence the economic growth, meanwhile regional expenditures mediates between General Allocation Fund and Regional income on economic growth.

scholarly journals THE INFLUENCE OF SMALL AND MEDIUM ENTERPRISE GROWTH, INVESTMENT, AND LABOR ON ECONOMIC GROWTH IN BATAM CITY

2020 ◽  
Vol 9 (1) ◽  
pp. 31
Author(s):  
Intan Utna Sari ◽  
Asron Saputra
Keyword(s):  
Economic Growth ◽  
Time Series Data ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Series Data ◽  
Analysis Model ◽  
The Government ◽  
Medium Enterprises

One of the important benchmarks in determining the success of economic development is economic growth. The role of the government in achieving development success is to determine the direction of development policies and to achieve these development targets a good development plan is needed to realize stable economic growth in order to improve people's welfare, namely by increasing Small and Medium Enterprises, Investment and Manpower. This study aims to determine the simultaneous and partial effect of Small and Medium Enterprises, Investment and Labor on the economic growth of Batam City. The data source is secondary data using panel data consisting of time series data for three years and cross section data of nine districts which resulted in 45 observations. The analysis technique used to solve the problem in this study is the multiple linear regression analysis model. The results of this study indicate that in terms of small and medium enterprises, investment and labor have a significant effect on economic growth in Batam City. This indicates that the number of SMEs (Small and Medium Enterprises), Investment and Manpower in Batam City can determine the level of economic growth in Batam City. This is because SMEs, investment and labor are activities that can produce goods or services. Partially Small and Medium Enterprises, Investment and Labor have a positive and significant effect on economic growth in Batam City, meaning that if the number of Small and Medium Enterprises, Investment and Labor is increased, economic growth will also increase.

scholarly journals PENDAPATAN MASYARAKAT PETANI PENYADAP KARET DI TEMBAWANG DI DESA BANUA TENGAH KECAMATAN PUTUSSIBAU UTARA KABUPATEN KAPUAS HULU

2019 ◽  
Vol 7 (3) ◽  
Author(s):  
Melki Kurniason ◽  
Fahrizal Fahrizal ◽  
Emi Roslinda
Keyword(s):  
Work Experience ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Influential Factors ◽  
Survey Method ◽  
Land Area ◽  
Total Income ◽  
Rubber Latex ◽  
The Government ◽  
Additional Income

Rubber is a forestry plant producing sap. Rubber latex is needed for various industrial purposes. Rubber is a side business as well as additional income for the community besides farming in Banua Tengah Village. The method used is a survey method with interview techniques. Sampling was done intentionally (purposive sampling). The number of samples taken was 61 respondents who were ; rubber farmers, married, worked tapping rubber and owning rubber plantations. Data analysis consists of calculating total income and multiple linear regression analysis. The analysis results obtained total income / Tr received by farmers around Rp. 390,000 - Rp. 2,840,500 / month, when compared to the UMR established by the Government in 2018, UMR Kapuas Hulu Regency is Rp. 2,204,650.00 / month, there are 2 (two) farmers who have an income above the minimum wage while 59 other farmers are still under the UMR There are four factors that influence the income of rubber farmers in Desa Banua Tengah namely land area, work experience, rubber age and workdays, of the four most influential factors are land area and workday variables, while the work experience and rubber age variables are not very influential. Factors of land area, work experience, rubber age and working days together greatly affect farmers' incomes with the equation of total income of rubber farmers as follows: ln Y =  9,817 +  0,397 ln X1 + 0,098 ln X2 + 0,061 ln X3 + 1,194 ln X4 Correlation value R = 0.928 and the value of determination R2 = 0.861 From these equations obtained a constant value of 9,817 which shows that income from rubber farmers (Ŷ) in Desa Banua Tengah is Rp. 9,817 if X₁, X₂, X3 and X4 are considered zero. Ŷ is positively correlated with X₁, X₂, X3 and X4.Keywords: Influential factors, Latex, Rubber farmers, Total income

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PERTUMBUHAN EKONOMI SUB SEKTOR KEHUTANAN KABUPATEN/KOTA DI KALIMANTAN BARAT

2021 ◽  
Vol 8 (4) ◽  
pp. 782
Author(s):  
Rezki Difan Arshaf ◽  
Emi Roslinda ◽  
Lolyta Sisillia
Keyword(s):  
Economic Growth ◽  
Linear Regression Analysis ◽  
Private Investment ◽  
Multiple Linear Regression Analysis ◽  
Factors Affecting ◽  
West Kalimantan ◽  
Development Indicators ◽  
Goods And Services ◽  
Forestry Sector ◽  
The Government

The economic development indicators of a region observed in economic growth. This growth was seen in the value of production of goods and services of forestry products known as Gross Regional Domestic Product (GRDP). Forest management economically not separated from the government and private investment, forest areas, and labor. This research aims to analyze the factors affecting the economic growth of the forestry sector, regencies/cities, in West Kalimantan, in the years 2011 to 2016. The method used is multiple linear regression analysis, by data panel, in the years 2011 to 2016. Estimated results from 11 regencies/cities, the forestry labor has a positive and significant effect, the investment has a negative and significant effect, and the production forest areas has a positive and significant effect to GRDP growth of forestry sector.Keyword: Economic Growth, GRDP, Investment, Labor, Production Forest Areas.

The Effect of Investments and Risk Based Capital (RBC) of Tabarru Funds on Company (Case Study of Sharia Insurance in Indonesia for 2014-2019)

2020 ◽  
Vol 8 (1) ◽  
pp. 87-97
Author(s):  
Nana Diana ◽  
Tati Apriani
Keyword(s):  
Life Insurance ◽  
Statistical Tests ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Insurance Companies ◽  
Coefficient Of Determination ◽  
Verification Method ◽  
Investment Returns ◽  
The Government

This study aims to examine the influence of investment returns and Risk Based Capital (RBC) Tabarru Funds to the profit of sharia life insurance in Indonesia from 2014-2019. This study The type of this research is quantitative research with descriptive verification as a method. This research method uses descriptive verification method with quantitative approach. The data used in this study were sourced from the financial statements of Islamic life insurance companies in Indonesia for the 2014-2019 period. Then the data obtained were analyzed using multiple linear regression analysis and hypothesis testing consisting of t test and f test with the help of SPSS 21 software. The sampling technique uses non probability sampling with purposive sampling technique. Based on the results of the study it can be seen that the development of investment returns on Sharia Life Insurance in Indonesia has fluctuated and even suffered losses. While the development of Risk Based Capital (RBC) has increased and decreased but overall above 120% as determined by the government. Likewise, the profits earned in each year fluctuate. The results of statistical tests show that investment results partially have a positive effect on profit and Risk Based Capital (RBC) of Tabarru funds partially has a negative effect on profit. Simultaneously investment return and Risk Based Capital (RBC) affect on profit. In addition, the results of the coefficient of determination (R2) were obtained which obtained a value of 81%. This shows that the variable investment returns and Risk Based Capital (RBC) can affect earnings by 81% and the remaining 19% is influenced by other variables not used in this study.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TAX COMPLIANCE TERHADAP PENYAMPAIAN SPT TAHUNAN WAJIB PAJAK ORANG PRIBADI

2019 ◽  
Vol 3 (2) ◽  
pp. 19
Author(s):  
Mela Cyntia Sani ◽  
Khuznatul Zulfa Wafirotin ◽  
Ika Farida Ulfa
Keyword(s):  
Behavioral Control ◽  
Linear Regression Analysis ◽  
Tax Compliance ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Analysis Method ◽  
Online Systems ◽  
Tax Returns ◽  
Directorate General ◽  
The Government

Individual Taxpayers (WPOP) experience problems every year due to difficulties in filling out SPT. The Directorate General of Taxes issued a new policy in providing easy Notification Services (SPT) using online systems namely e-Filling and e-SPT. The policy taken by the government turned out that there were still many obstacles faced by the KPP Pratama Ponorogo Tax Office regarding ponorogo's lack of understanding related to filling out SPT manually or online using e-SPT and e-Felling. So that this certainly can make taxpayers object to the submission of Annual Tax Returns, especially in terms of calculating the tax payable which must be calculated on its own. Data collection is done by using primary data in the form of questionnaires. The samples processed in this study were 100 respondents who were distributed to individual taxpayers registered at KPP Pratama Ponorogo. Data analysis method uses validity test and reliability test, hypothesis testing using multiple linear regression analysis. The results of this study indicate that the awareness of taxpayers, taxpayer intentions, taxpayer attitudes, subjective norms, behavioral control and ease of tax return filling process affect Tax Compliance (tax compliance) submission of Annual Tax Returns. This is because taxpayers know, understand and implement taxation provisions correctly and voluntarily so as to increase taxpayer compliance in fulfilling their obligations and are willing to report taxes with their own awareness.

scholarly journals Pengaruh Sistem Pengendalian Intern Pemerintah dan Moralitas Individu pada Kesalahan Akuntansi

2018 ◽  
pp. 1170
Author(s):  
I Gusti Agung Gde Dennyningrat ◽  
I D.G. Dharma Suputra
Keyword(s):  
Control System ◽  
Internal Control ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Internal Control System ◽  
Negative Effect ◽  
The Government ◽  
Questionnaire Method ◽  
Accounting Errors

Accounting mistakes are a mistake in financial facts. In order for an agency or company does not occur accounting errors, agencies or companies need to consider the factors that affect accounting errors. The purpose of this study is to provide empirical evidence of the effect of Government Internal Control System and individual morality on accounting errors. This research was conducted at Local Government of Badung Regency. Population in this research is all financial officer at Badung Regency Government. The number of samples taken as many as 35 employees, with purposive sampling technique. The data were collected by questionnaire method. Data analysis technique used is multiple linear regression analysis. Based on the results of the analysis, it is known that the Government Internal Control System and individual morality have a negative effect on accounting errors in Badung District Government.

C. PENGARUH UTANG LUAR NEGERI DAN EKSPOR TERHADAP PERTUMBUHAN EKONOMI (Studi pada Produk Domestik Bruto Indonesia Periode 2015-2019)

2021 ◽  
Vol 4 (1) ◽  
pp. 22
Author(s):  
Farah Syahri Maulidiyah
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Regression Analysis ◽  
Linear Regression Analysis ◽  
Foreign Debt ◽  
External Debt ◽  
Multiple Linear Regression Analysis ◽  
Analysis Method ◽  
Indonesian Government ◽  
Independent Variable

ABSTRACT The purpose of this research is to analyze the influence of exports and foreign debt which can affect Indonesia's GDP (Gross Domesty Product). The variables of this research are the foreign debt value of the Indonesian government and the value of Indonesian exports as the independent variable, and the value of Indonesia's GDP as the dependent variable. The data used are supporting data for the 2015-2019 period from the time series (time series) of Bank Indonesia and BPS. The data analysis method used multiple linear regression analysis. The results of this study are the value of the Indonesian government's foreign debt and the value of Indonesia's exports have a significant effect. Meanwhile, the results of the partial test (t-test) show that the value of foreign debt and exports of the Indonesian government greatly affects the value of Indonesia's GDP. Keywords : External Debt, Export, Economic Growth (Menggunakan template jurnal sinta 2 JESP (Jurnal Ekonomi dan Studi Pembangunan) eISSSN : 2502-7115 l pISSN : 2502-7115 Universitas Negeri Malang).

Fiscal Deficit and Economic Growth in Bangladesh

2016 ◽  
Vol 62 (1) ◽  
pp. 31-42 ◽  
Author(s):  
Ebney Ayaj Rana ◽  
Abu N. M. Wahid
Keyword(s):  
Economic Growth ◽  
Budget Deficit ◽  
Negative Impact ◽  
Political Stability ◽  
Ordinary Least Squares ◽  
Policy Implications ◽  
Government Budget ◽  
The Government ◽  
The Impact ◽  
Government Budget Deficit

The economy of Bangladesh is currently going through a period of continuous budget deficit. The present data suggest that the government budget deficit, on average, is nearly 5% of the country’s GDP. This has been true since the early 2000s. To finance this deficit, governments have been borrowing largely from domestic and foreign sources resulting in inflationary pressure on one hand, and crowding out of private investments on the other. During the same period, although the economy has grown steadily at a rate of more than 6%, this growth is less than the potential. This article presents an econometric study of the impact of government budget deficits on the economic growth of Bangladesh. We conduct a time-series analysis using ordinary least squares estimation, vector error correction model, and granger causality test. The findings suggest that the government budget deficit has statistically significant negative impact on economic growth in Bangladesh. Policy implications of our findings include reestablishing the rule of law, political stability in the country, restructuring tax structure, closing tax loopholes, and harmonizing fiscal policy with monetary policy to attract additional domestic and foreign investment.

scholarly journals PENGARUH PENDIDIKAN, JUMLAH JAM KERJA, UMUR TERHADAP UPAH TENAGA KERJA DISABILITAS DI SUMATERA BARAT

2019 ◽  
Vol 1 (3) ◽  
pp. 863
Author(s):  
Salwa Nabila Putri ◽  
Ariusni Ariusni
Keyword(s):  
Work Experience ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Least Square ◽  
Research Use ◽  
Ordinary Least Square ◽  
Negative Effect ◽  
Disabled Workers ◽  
Positive Effect ◽  
Research Show

This study aims to find out determine of wages for disabled workers in Sumatera Barat. This research use cross section with 481 samples. The variables used are wage for disabled workers,education, number of hours worked, age, work experience, type of work. This research’s methods used Ordinary Least Square (OLS) Multiple linear regression analysis. This research show education, number of work, work experience  had significanlly positive effect on wage for disabled workers in Sumatera Barat. Type of work has significanlly negative effect on wage for disabled worker, age had nonsignificanly positive effect on wage for disabled.

Sign in / Sign up

Export Citation Format

Share Document