In recent months the world has been shocked by a deadly virus, namely Coronavirus Disease 2019 or... more In recent months the world has been shocked by a deadly virus, namely Coronavirus Disease 2019 or better known as the COVID-19 virus, which causes a health crisis and an economic crisis. National Economic Recovery or PEN is one of the policies to improve the country's economic conditions due to the COVID-19 pandemic which has a systemic impact. The impact affects almost all sectors, including the Micro, Small and Medium Enterprises sector. This study aims to analyze credit guarantees on MSME income in Daerah Istimewa Yogyakarta (DIY). This study uses a qualitative descriptive method, with UMKM recipients of PEN program assistance through Bank BPD DIY as respondents. The collection technique was through interviews and questionnaires with a total sample of 30 respondents and selected based on the purposive sampling method. The rate of return and the questionnaire that can be processed is 100%. From the results of interviews that have been carried out, it was concluded that in gene...
The Indonesian economy has faced a pandemic for the last two years. The Covid-19 pandemic is the ... more The Indonesian economy has faced a pandemic for the last two years. The Covid-19 pandemic is the starting point for implementing digital technology for MSMEs. MSMEs and the government maintain the sustainability of MSMEs, which are one of the pillars of the economy. This study aims to analyze the impact of digital technology implementation, human capital and PEN program in maintaining business sustainability directly or through competitive advantage. The object of research is culinary MSMEs in Bantul Yogyakarta Regency. SEM PLS is employed to estimate the primary data by using WARPS PLS 6.0 application. The results revealed that digital technology variables could directly affect business sustainability. Meanwhile, human capital and the PEN program affect business sustainability through competitive advantage. The results suggest government extend the fiscal stimulus.
Banking stability plays an important role as an intermediary in the economy. Both the economy and... more Banking stability plays an important role as an intermediary in the economy. Both the economy and the banking sector affect each other. This study aims to investigate the effect and response of external variables and internal bank variables on Non-Performing Loans at Conventional Commercial Banks and Non-Performing Financing at Islamic Commercial Banks. This study uses macroeconomic variables such as economic growth and inflation, while a bank’s internal variables include the Loan to Deposit Ratio, Financing to Deposit Ratio, and Capital Buffer. This study employs Vector Autoregressive Regression (VAR) to examine the time series data. The results showed that the variable Economic Growth at lag-1, Loan to Deposit Ratio at lag-1, and Capital Buffer at lag-2 significantly affect Non-Performing Loans. While the variable that has a significant effect on Non-Performing Financing is only Economic Growth at lag-1. In addition, as can be seen from the Impulse Response Function curve, Non-Per...
This study aims to analyze the influence of the tourism industry on PDRB in 35 districts/cities o... more This study aims to analyze the influence of the tourism industry on PDRB in 35 districts/cities of Central Java during the 2020–2021 COVID-19 pandemic era. Secondary data is obtained from the Central Statistics Agency (BPS). The independent variables used are the number of tourist attractions, the number of domestic tourists, the number of foreign tourists, the number of restaurants, and the number of hotels and other accommodations. The dependent variable is the regional income of the tourism sector. The research method used is panel data regression with a fixed-effect model. The study results partially show that the variable number of tourist attractions and the number of hotels and other accommodations positively and significantly affect GRDP. The variable number of restaurants and the number of foreign tourists negatively and significantly affect GRDP. At the same time, domestic tourists have no significant effect on GRDP. Simultaneously, the variables of the number of tourist a...
Proceedings of the Achieving and Sustaining SDGs 2018 Conference: Harnessing the Power of Frontier Technology to Achieve the Sustainable Development Goals (ASSDG 2018), 2019
The level of quality human development will be able to compete in the Global era, and even has th... more The level of quality human development will be able to compete in the Global era, and even has the potential to achieve development goals, are towards prosperity. The purpose of this study was to determine the longterm relationship between economic growth and the Human Development Index (HDI) of regencies / cities in Central Java during the period 2004 2013. This study used panel data, using the Klassen Typology method to see regional classification and cointegration test to see long-term relationships. The results show that by using the Klassen Typology there are 14 regencies / cities included in the category of fast-developed and fast-growing regions (Quadrant I), 6 of which are urban areas. In quadrant II or fast developing areas there are 10 regencies, 4 developed but depressed regencies (Quadrant III) and 7 regencies which are relatively underdeveloped (Quadrant IV). Meanwhile, the results of the cointegration test show that there is a long-term balance relationship between eco...
In recent months the world has been shocked by a deadly virus, namely Coronavirus Disease 2019 or... more In recent months the world has been shocked by a deadly virus, namely Coronavirus Disease 2019 or better known as the COVID-19 virus, which causes a health crisis and an economic crisis. National Economic Recovery or PEN is one of the policies to improve the country's economic conditions due to the COVID-19 pandemic which has a systemic impact. The impact affects almost all sectors, including the Micro, Small and Medium Enterprises sector. This study aims to analyze credit guarantees on MSME income in Daerah Istimewa Yogyakarta (DIY). This study uses a qualitative descriptive method, with UMKM recipients of PEN program assistance through Bank BPD DIY as respondents. The collection technique was through interviews and questionnaires with a total sample of 30 respondents and selected based on the purposive sampling method. The rate of return and the questionnaire that can be processed is 100%. From the results of interviews that have been carried out, it was concluded that in gene...
The Indonesian economy has faced a pandemic for the last two years. The Covid-19 pandemic is the ... more The Indonesian economy has faced a pandemic for the last two years. The Covid-19 pandemic is the starting point for implementing digital technology for MSMEs. MSMEs and the government maintain the sustainability of MSMEs, which are one of the pillars of the economy. This study aims to analyze the impact of digital technology implementation, human capital and PEN program in maintaining business sustainability directly or through competitive advantage. The object of research is culinary MSMEs in Bantul Yogyakarta Regency. SEM PLS is employed to estimate the primary data by using WARPS PLS 6.0 application. The results revealed that digital technology variables could directly affect business sustainability. Meanwhile, human capital and the PEN program affect business sustainability through competitive advantage. The results suggest government extend the fiscal stimulus.
Banking stability plays an important role as an intermediary in the economy. Both the economy and... more Banking stability plays an important role as an intermediary in the economy. Both the economy and the banking sector affect each other. This study aims to investigate the effect and response of external variables and internal bank variables on Non-Performing Loans at Conventional Commercial Banks and Non-Performing Financing at Islamic Commercial Banks. This study uses macroeconomic variables such as economic growth and inflation, while a bank’s internal variables include the Loan to Deposit Ratio, Financing to Deposit Ratio, and Capital Buffer. This study employs Vector Autoregressive Regression (VAR) to examine the time series data. The results showed that the variable Economic Growth at lag-1, Loan to Deposit Ratio at lag-1, and Capital Buffer at lag-2 significantly affect Non-Performing Loans. While the variable that has a significant effect on Non-Performing Financing is only Economic Growth at lag-1. In addition, as can be seen from the Impulse Response Function curve, Non-Per...
This study aims to analyze the influence of the tourism industry on PDRB in 35 districts/cities o... more This study aims to analyze the influence of the tourism industry on PDRB in 35 districts/cities of Central Java during the 2020–2021 COVID-19 pandemic era. Secondary data is obtained from the Central Statistics Agency (BPS). The independent variables used are the number of tourist attractions, the number of domestic tourists, the number of foreign tourists, the number of restaurants, and the number of hotels and other accommodations. The dependent variable is the regional income of the tourism sector. The research method used is panel data regression with a fixed-effect model. The study results partially show that the variable number of tourist attractions and the number of hotels and other accommodations positively and significantly affect GRDP. The variable number of restaurants and the number of foreign tourists negatively and significantly affect GRDP. At the same time, domestic tourists have no significant effect on GRDP. Simultaneously, the variables of the number of tourist a...
Proceedings of the Achieving and Sustaining SDGs 2018 Conference: Harnessing the Power of Frontier Technology to Achieve the Sustainable Development Goals (ASSDG 2018), 2019
The level of quality human development will be able to compete in the Global era, and even has th... more The level of quality human development will be able to compete in the Global era, and even has the potential to achieve development goals, are towards prosperity. The purpose of this study was to determine the longterm relationship between economic growth and the Human Development Index (HDI) of regencies / cities in Central Java during the period 2004 2013. This study used panel data, using the Klassen Typology method to see regional classification and cointegration test to see long-term relationships. The results show that by using the Klassen Typology there are 14 regencies / cities included in the category of fast-developed and fast-growing regions (Quadrant I), 6 of which are urban areas. In quadrant II or fast developing areas there are 10 regencies, 4 developed but depressed regencies (Quadrant III) and 7 regencies which are relatively underdeveloped (Quadrant IV). Meanwhile, the results of the cointegration test show that there is a long-term balance relationship between eco...
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