Bandung Conference Series: Economics Studies最新文献

{"title":"Faktor-faktor yang Mempengaruhi Harga Kedelai Domestik di Indonesia","authors":"M. Azzahra, Ima Amaliah","doi":"10.29313/bcses.v3i2.9086","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.9086","url":null,"abstract":"Abstract. Soybeans are an important vegetable food commodity for the Indonesian people. It has become a staple food for Indonesians as well as rice and corn. Soybean is a cheap protein food raw material, making it reliable for most Indonesians to live a healthy and affordable life. The problem is that Indonesia is still dependent on soybean imports, about 80% of which cover domestic needs. Indonesia cannot escape the problems of the international soybean market, which is heavily contested by importing countries, especially China. Eventually this triggers an increase in soybean prices in the domestic market in Indonesia. Therefore, the purpose of this study is to identify and analyze the factors that affect fluctuations in domestic soybean prices in Indonesia, both partially and jointly. The research method used is descriptive quantitative. The data used is secondary data for the period 1991-2021. The analysis method used is OLS which is used to determine the regression equation so that the actual value can be known from each independent variable to the dependent variable. The results of the analysis show that the quantity of local soybeans, the quantity of imported Chinese soybeans, and international prices have a positive significant effect on domestic soybean prices. Meanwhile, the quantity of imported Indonesian soybeans (positively) and the exchange rate (negatively) have no significant effect on domestic soybean prices. \u0000Abstrak. Kedelai menjadi komoditas pangan nabati yang penting ketersediaannya bagi masyarakat Indonesia. Palawija tersebut telah menjadi makanan pokok masyarakat Indonesia sebagaimana halnya padi dan jagung. Kedelai merupakan bahan baku pangan protein yang murah, sehingga dapat diandalkan bagi kebanyakan masyarakat Indonesia untuk hidup sehat dan terjangkau. Masalahnya, Indonesia masih ketergantungan impor kedelai, sekitar 80% telah menutupi kebutuhan dalam negeri. Indonesia tidak dapat terlepas daripada permasalahan pasar internasional kedelai yang banyak diperebutkan ketersediaannya oleh negara-negara pengimpor terutama Cina. Akhirnya hal ini memicu kenaikan harga kedelai di pasar domestik di Indonesia. Maka dari itu, tujuan penelitian ini adalah untuk mengidentifikasi dan menganalisis faktor-faktor yang mempengaruhi fluktuasi harga kedelai domestik di Indonesia, baik secara parsial maupun bersama-sama. Metode penelitian yang digunakan adalah kuantitatif deskriptif. Data yang digunakan adalah data sekunder dalam kurun waktu 1991-2021. Metode analisis yang digunakan adalah OLS yang digunakan untuk menentukan persamaan regresi sehingga nilai aktual dapat diketahui dari setiap variabel independen terhadap variabel dependen. Hasil analisis menunjukkan bahwa kuantitas kedelai lokal, kuantitas impor kedelai Cina, dan harga internasional berpengaruh signifikan secara positif terhadap harga kedelai domestik. Sedangkan, kuantitas impor kedelai Indonesia (secara positif) dan nilai tukar (secara negatif) tidak berpengaruh signifikan ","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124664897","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Angka Partisipasi Sekolah dan Kepadatan Penduduk Terhadap Laju Pertumbuhan Ekonomi di Jawa Barat Tahun 2012-2021","authors":"Sayyid Mujaddid Fikri, Ima Amaliah","doi":"10.29313/bcses.v3i2.9413","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.9413","url":null,"abstract":"Abstract. West Java Province is an area with economic growth in the 5th place on the island of Java. In fact, the geographical location which is very close to the National Capital should encourage development which has a positive impact on the Economic Growth Rate. Based on this, this study aims to determine the effect of school enrollment rates and population density in West Java in 2012-2021. This type of research is descriptive quantitative, using panel data from twenty-seven cities/regencies in West Java Province in 2012-2021. The estimated model used is the Fixed Effect Model by looking at the effects of each sector. The results of the study partially show that the school enrollment rate has a negative effect on the rate of economic growth with a coefficient value of -0.196815, which means that if the school enrollment rate increases by one percent, it will reduce the rate of economic growth by 0.196815 percent. Inequality in the distribution of school participation is a factor in the minimal influence of APS on the rate of economic growth in every district/city in West Java. In variation, the school enrollment rate and population density variables have an effect of 12.9196 percent on the economic growth rate of West Java in 2012-2021. While the remaining 87.0804 percent is explained by other variables outside the model in this study. \u0000Abstrak. Provinsi Jawa Barat merupakan daerah dengan pertumbuhan ekonomi di urutan ke-5 di pulau Jawa. Padahal, letak geografis yang sangat dekat Ibukota Negara seharusnya mendorong pembangunan yang berdampak baik terhadap Laju Pertumbuhan Ekonomi. Berdasarkan hal tersebut, penelitian ini bertujuan untuk mengetahui pengaruh angka partisipasi sekolah dan kepadatan penduduk di Jawa Barat tahun 2012-2021.Jenis penelitian ini adalah deskriptif kuantitatif, dengan menggunakan data panel dua puluh tujuh Kota/Kabupaten di Provinsi Jawa Barat pada tahun 2012-2021. Estimasi model yang digunakan adalah Fixed Effect Model dengan melihat efek dari setiap sektor. Hasil dari penelitian menunjukkan secara parsial bahwa angka partisipasi sekolah berpengaruh negatif terhadap laju pertumbuhan ekonomi dengan nilai koefisien sebesar -0,196815 yang berarti bahwa jika angka partisipasi sekolah  terjadi kenaikan sebesar satu persen, maka akan menurunkan laju pertumbuhan ekonomi sebesar 0,196815 persen. Ketimpangan dalam penyebaran partisipasi sekolah menjadi faktor minimnya pengaruh APS terhadap laju pertumbuhan ekonomi di setiap Kabupaten/Kota di Jawa Barat. Secara variasi, variabel angka partisipasi sekolah dan kepadatan penduduk berpengaruh sebesar 12,9196 persen terhadap laju pertumbuhan ekonomi Jawa Barat tahun 2012-2021. Sedangkan sisanya yaitu 87.0804 persen dijelaskan oleh variabel lain diluar model pada penelitian ini. \u0000 ","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127382014","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Sektor Pariwisata Terhadap Pendapatan Asli Daerah Kota Bandung Tahun 2012-2021","authors":"Riza Octaviola, Ima Amailah","doi":"10.29313/bcses.v3i2.9076","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.9076","url":null,"abstract":"Abstract. The tourism sector contributes from hotel taxes, restaurant taxes, and entertainment taxes, so that these taxes contribute to government budget provision (PAD). However, the PAD of the City of Bandung has grown very slowly from year to year and even in a few years its growth has declined. This was due to a decrease in contribution from hotel taxes. In 2017, the hotel tax contribution was still recorded at 85.09 billion rupiah, but in 2021 the hotel tax contribution decreased fourfold to 22.6 billion rupiah. The purpose of this study is to see the influence and magnitude of variation from the tourism sector on PAD in the city of Bandung. The data used is time series data in annual data from 2012-2021 obtained from various related institutions, namely the Central Statistics Agency, the Ministry of Finance and other sources such as journals and research results. The analysis model uses Ordinary Least Square (OLS) with the classic assumption test which includes multicollinearity test, linearity test, normality test, heteroscedasticity test, autocorrelation test, T-test, and F-test. From the estimation results of the model, there are only 2 variables that significantly influence PAD in Bandung City, namely the number of tourists and the number of restaurants, restaurants and bars. Meanwhile, the number of hotel rooms and the number of working residents statistically do not affect Bandung City's PAD. The insignificant number of hotel rooms is caused by an oversupply of the number of hotel rooms which causes hotel room prices to fall and the obligation to pay taxes to decrease so that PAD decreases. The insignificant number of working people is due to the fact that some residents are unemployed or have low incomes and do not pay taxes so that the contribution to PAD is ignored. \u0000Abstrak. Sektor pariwisata memberikan kontribusi dari pajak hotel, pajak restaurant, dan pajak hiburan, sehingga pajak-pajak ini ada berkontribusi pada pemberian anggaran pemerintah (PAD). Namun, PAD Kota Bandung dari tahun ke tahun pertumbuhannya sangat lambat bahkan dalam beberapa tahun pertumbuhannya menurun. Hal ini disebabkan karena turunnya kontribusi dari pajak hotel. Pada tahun 2017 kontribusi pajak hotel masih tercatat 85.09 miliar rupiah ternyata pada tahun 2021 kontribusi pajak hotel menurun empat kali lipat menjadi 22.6 miliar rupiah, ini menjadikan sektor pariwisata belum berkontribusi sebagai penopang dari PAD Kota Bandung. Tujuan dari penelitian ini adalah untuk melihat pengaruh dan besarnya variasi dari sektor pariwisata terhadap PAD di Kota Bandung. Data yang digunakan yaitu data time series dalam data tahunan dari tahun 2012-2021 yang diperoleh dari berbagai instalansi terkait adalah Badan Pusat Statistika, Kementrian Keuangan dan sumber-sumber lainnya seperti jurnal-jurnal dan hasil penelitian. Model analisis menggunakan Ordinary Least Square (OLS) dengan uji asumsi klasik yang meliputi uji multikolinear, uji linearitas, uji normalitas, uji heteroske","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126938720","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Strategi Pengembangan Bisnis Digital Menggunakan Metode Blue Ocean Strategy (Studi Kasus Aplikasi X)","authors":"Teuku Muhammad Abidzar Saddam, Ima Amaliah","doi":"10.29313/bcses.v3i2.8805","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.8805","url":null,"abstract":"Abstract. The development of industry 4.0 has had an impact on people's behavior, one of the influences that has arisen is the emergence of a cashless society. In a cashless society, people prefer to use e-wallets as a medium of exchange when making transactions. The large number of demands from the public for e-wallet has made many companies compete in offering their e-wallet services, including one of the biggest and oldest expedition companies that launch application X as a new business direction to take. The data used is the result of interviews conducted with 7 (seven) managerial team members who are responsible for application X. Based on the research results, it can be seen that the blue ocean strategy method can be used to determine application X’s external and internal conditions. Based on the results of the analysis conducted on the application X strategy canvas, it can be seen that some application X are lagging behind in terms of trends, bonuses and promos, as well as the variety of merchants. To increase these lagging factors, application X can create a good marketing strategy so that its products can be widely known and used by various groups, especially those who are application X target market. With a good marketing strategy, application X can get new customers and get more income. \u0000Abstrak. Perkembangan industri 4.0 berdampak pada perilaku masyarakat, salah satu pengaruh yang muncul adalah timbulnya perilaku cashless society. Pada cashless society, masyarakat lebih memilih untuk menggunakan e-wallet sebagai alat tukar saat melakukan transaksi.  Banyaknya permintaan dari masyarakat tentang e-wallet membuat banyak perusahaan berlomba-lomba dalam menawarkan layanan e-wallet yang mereka miliki, tak terkecuali salah satu perusahaan ekspedisi terbesar dan tertua yang meluncurkan aplikasi X sebagai arah bisnis baru yang akan di ambil. Berdasarkan hasil penelitian, dapat diketahui bahwa metode blue ocean strategy dapat digunakan untuk mengetahui kondisi eksternal dan internal aplikasi X. Berdasarkan hasil analisis yang dilakukan pada kanvas strategi aplikasi X, dapat diketahui bahwa beberapa aplikasi X tertinggal pada faktor tren, bonus dan promo, serta ragam merchant. Untuk meningkatkan faktor-faktor yang tertinggal tersebut, aplikasi X bisa membuat strategi pemasaran yang baik agar produknya bisa dikenal dan digunakan secara luas oleh berbagai kalangan, terutama yang menjadi target pasar aplikasi X. Dengan strategi Pemasaran yang baik, aplikasi X bisa mendapatkan konsumen baru sehingga penghasilan yang didapat menjadi lebih banyak. \u0000Kata kunci: E-wallet, Aplikasi X, Blue Ocean Strategy. \u0000 ","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129591090","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Tingkat Kesehatan Bank Syariah Indonesia dan Bank Muamalat Indonesia Periode 2019-2022","authors":"Cahyani Wulandari, Nurfahmiyati","doi":"10.29313/bcses.v3i2.9421","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.9421","url":null,"abstract":"Abstract. Bank Syariah Indonesia and Bank Muamalat Indonesia are among the largest Islamic banks in Indonesia, with the Covid-19 pandemic problem, banks are required to maintain the soundness of the bank. The importance of maintaining the health of the bank aims to keep customers giving their trust to the bank concerned. The purpose of this study is to determine the soundness level of Bank Syariah Indonesia and Bank Muamalat Indonesia using the CAMEL variable in the period 2019 to 2022. As well as to find out whether there are differences between Bank Syariah Indonesia and Bank Muamalat Indonesia in each aspect of CAMEL This research method is descriptive quantitative. The data analysis technique used is the CAMEL method and the Difference Test (ANOVA). The data source used in this research is secondary data obtained from the websites of Bank Syariah Indonesia and Bank Muamalat Indonesia. The results showed that the soundness level at Bank Syariah Indonesia for the 2019 to 2022 period was in the HEALTHY predicate, while at Bank Muamalat Indonesia for the 2019 to 2022 period, it was HEALTHY ENOUGH. In the Different Test (ANOVA) of the six bank financial ratios, only two have significant differences, namely the ROA (Return on Assets) ratio and the BOPO (Operating Costs Operational Income) ratio. \u0000Abstrak. Bank Syariah Indonesia dan Bank Muamalat Indonesia termasuk ke dalam bank syariah terbesar di Indonesia, dengan adanya permasalahan pandemi Covid-19, bank dituntut untuk tetap menjaga tingkat kesehatan bank. Pentingnya menjaga kesehatan bank bertujuan agar nasabah tetap memberikan kepercayaan kepada bank yang bersangkutan. Tujuan dari penelitian ini untuk mengetahui tingkat kesehatan Bank Syariah Indonesia dan Bank Muamalat Indonesia dengan menggunakan variabel CAMEL pada periode 2019 sampai 2022. Serta untuk mengetahui apakah ada perbedaan antara Bank Syariah Indonesia dan Bank Muamalat Indonesia pada setiap aspek CAMEL.  Metode Penelitian ini adalah deskriptif kuantitatif. Teknik analisis data yang digunakan adalah metode CAMEL dan Uji Beda (ANOVA). Sumber data yang digunakan dalam penelitian ini yaitu data sekunder yang diperoleh dari website Bank Syariah Indonesia dan Bank Muamalat Indonesia. Hasil penelitian menunjukkan bahwa tingkat kesehatan pada Bank Syariah Indonesia periode 2019 sampai 2022 berada pada predikat SEHAT, sedangkan pada Bank Muamalat Indonesia periode 2019 sampai 2022 berada pada predikat CUKUP SEHAT. Pada Uji Beda (ANOVA) dari keenam rasio keuangan bank, hanya dua yang memiliki perbedaan signifikan yaitu rasio ROA (Return on Asset) dan rasio BOPO (Biaya Operasional Pendapatan Operasional).","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129118884","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Technology Acceptance Model Terhadap Minat Masyarakat Dalam Membayar Pajak Bumi Dan Bangunan Secara Online (Kantor Uptd Pengelola Pendapatan Daerah Kota Sukabumi)","authors":"Banavsa Puan Lira, Ima Amaliah","doi":"10.29313/bcses.v3i2.9385","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.9385","url":null,"abstract":"Abstract. This study aims to determine what factors influence public interest in the online land and building tax payment system in Sukabumi City. The model used is Technology Acceptance Model (TAM) with 5 main constructs (perceived ease of use, perceived usefulness, attitude toward using, behavioral intention to use, and actual system use). The type of method used in this research is explanatory research using a quantitative approach. The type of data used is primary data obtained from questionnaires. The number of samples was 100 people. This study uses Partial Least Square SEM (PLS-SEM) analysis. Researchers used SmartPLS 3.2.9 software for data processing. Based on data analysis, the following results were obtained: (1) perceived ease of use has a significant effect on perceived usefulness; (2) perceived usefulness has a significant effect on attitude toward using; (3) perceived ease has a significant effect on attitude toward using; (4) attitude toward using has a significant effect on behavioral intention to use; (5) perceived usefulness has a significant effect on behavioral intention to use; (6) behavioral intention to use has a significant effect on actual system use; (7) use of the system as intended \u0000Abstrak. Penelitian ini bertujuan untuk faktor-faktor yang mempengaruhi minat masyarakat terhadap sistem pembayaran pajak bumi dan bangunan secara online di Kota Sukabumi. Model yang digunakan adalah Technology Acceptance Model (TAM) dengan 5 konstruk utama (perceived ease of use, perceived usefulness, attitude toward using, behavioral intention to use, dan actual system use). Jenis metode yang digunakan dalam penelitian ini adalah penelitian explanatory research dengan menggunakan pendekatan kuantitatif. Jenis data yang digunakan adalah data primer yang diperoleh dari kuesioner. Jumlah sampel sebanyak 100 orang, dihitung menggunakan rumus slovin dengan signifikansi 10%. Penelitian ini menggunakan analisis Partial Least Square SEM (PLS-SEM). Peneliti menggunakan software SmartPLS 3.2.9 untuk olah data. Berdasarkan analisis data diperoleh hasil sebagai berikut: (1) persepsi kemudahan (perceived ease of use) berpengaruh signifikan terhadap persepsi kemanfaatan (perceived usefulness); (2) persepsi kemanfaatan (perceived usefulness) berpengaruh signifikan sikap penggunaan (attitude toward using); (3) persepsi kemudahan berpengaruh signifikan terhadap sikap penggunaan (attitude toward using); (4) sikap penggunaan (attitude toward using) berpengaruh signifikan terhadap niat perilaku (behavioral intention to use); (5) persepsi kemanfaatan (perceived usefulness) berpengaruh signifikan niat perilaku (behavioral intention to use); (6) niat perilaku (behavioral intention to use) berpengaruh signifikan terhadap penggunaan sistem sesungguhnya (actual system use); (7) penggunaan sistem sesungguhnya (actual system use) berpengaruh signifikan terhadap minat masyarakat dalam membayar PBB secara online.paja","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116411606","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Faktor-Faktor yang Menentukan Keputusan Nasabah Pembiyaan Mitraguna Berkah Bank Syariah Indonesia : Studi Kasus di Bank Syariah Indonesia Kantor Cabang Bandung Asia Afrika","authors":"Sekar Nadia Lestari, Ima Amaliah","doi":"10.29313/bcses.v3i2.9190","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.9190","url":null,"abstract":"Abstract. The growth in disbursement of consumer financing at BSI Bandung City Area, which occupies the top ranking position is at the BSI Bandung Asia Africa Branch Office. This happened because the disbursement of financing for BSI's Mitraguna Berkah products was very significant, dominated by customers, especially non PNS teachers, who had middle to lower incomes of 1,500,000 to 2,400,000, felt they met the classification to apply for Mitraguna financing at BSI, as well as opinions and interests that make customers prefer applying for Mitraguna BSI. In addition, BUMN customers who have taken over to BSI feel that margins and installments at BSI are lighter and more consistent than conventional banks. The purpose of this study is to identify and analyze what factors determine customer decisions and analyze what factors are most dominant in determining customer decisions for Mitraguna Berkah Financing. The method used in this research is quantitative descriptive and the analysis model is Principal Compenents Analysis. Sources of data in this study are primary and secondary. The data collection technique is by distributing questionnaires to 100 respondents of 21 statements. The sampling technique uses non-probability sampling with a purposive sampling technique. The results of this study indicate that there are factors that determine the customer's decision to finance Mitraguna Berkah BSI KC Bandung Asia Africa, which consists of personal factors, economic factors, psychological factors and social factors. The most dominant factor in determining the customer's decision to finance Mitraguna Berkah BSI KC Bandung Asia Africa is personal factors. \u0000Abstrak. Pertumbuhan pencairan pembiayaan consumer pada Bank Syariah Indonesia Area Bandung Kota, yang menempati posisi peringkat teratas adalah di BSI Kantor Cabang Bandung Asia Afrika. Hal ini terjadi karena peningkatan pencairan pembiayaan produk Mitraguna Berkah BSI, sangat signifikan didominasi oleh nasabah khususnya guru non PNS, yang memiliki pendapatan menengah kebawah sebesar 1.500.000 s/d 2.400.000, merasa memenuhi klasifikasi untuk mengajukan pembiayaan Mitraguna di BSI, serta opini dan minat yang membuat nasabah untuk prefer mengajukan Mitraguna BSI. Selain itu, nasabah BUMN yang melakukan take over ke BSI merasa margin dan angsuran di BSI lebih ringan dan tetap dibandingkan bank konvensional. Tujuan dari penelitian ini yaitu untuk mengindentifikasi dan menganalisis faktor-faktor apa yang menentukan keputusan nasabah dan menganalisis faktor apa yang paling dominan dalam mementukan keputusan nasabah Pembiayaan Mitraguna Berkah di BSI KC Bandung Asia Afrika. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dan model analisis yaitu Principal Compenents Analysis. Sumber data dalam penelitian ini yaitu primer dan sekunder. Teknik pengumpulan data yaitu dengan penyebaran kuesioner pada 100 responden dengan jumlah sebanyak 21 pernyataan. Teknik penarikan sampel menggunakan non-","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"218 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121856714","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Strategi Keberterimaan Teknologi Pada Program Desa Cerdas melalui Aplikasi Simpeldesa di Desa Palasari, Kabupaten Subang, Jawa Barat : Pendekatan Technology Accpetance Model (TAM)","authors":"Panji Lanang Galih, Asnita Frida B.R. Sebayang","doi":"10.29313/bcses.v3i2.7803","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.7803","url":null,"abstract":"Abstract. Increasing the intensity of technology in various aspects of life, including governance, economic and social, nowadays are more effective and efficient. Palasari Village, Subang is one them who utilized technological development in the digitization process in governance (public services), economic, and social. Unfortunately, Simpeldesa application in Palasari Village experienced fluctuations in active users. This study aims to analyze use of the Simpeldesa application in Palasari Village, West Java. The objectives of this research are to identify service features that are superior for the residents of Palasari Village and identify the level of consistency & intensity of villagers in using the Simpeldesa application. The method in this research is descriptive quantitative by distributing questionnaires evaluating the use of the Simpeldesa application through the TAM (Technology Acceptance Model) analysis model. The Behavioral Intention to Use indicator obtained the highest acceptability score, which was 437.8 with an accept interpretation scale. The.Smart Government feature is a feature with the highest level of acceptance and satisfaction compared to the Smart Economy and Smart Society features. There are many has to be improved in terms of the intensity of application use by residents, including the need for more intense Technical Guidance for villagers and monitoring & evaluation of application use is also needed so that Palasari Village residents are more adaptive in using technology \u0000Abstrak. Peningkatan intensitas penggunaan teknologi dalam berbagai aspek kehidupan, termasuk dalam tata kelola pemerintah, tata kelola ekonomi dan tata kelola social kini lebih efektif dan efisien. Desa Palasari, Subang merupakan salah desa yang telah memanfaatkam pengembangan teknologi dalam proses digitalisasi dalam tata kelola pemerintah (pelayanan publik), tata kelola ekonomi, dan tata kelola social. Meskipun demikian, penggunaan aplikasi Simpeldesa di Desa Palasari mengalami fluktuatif pengguna aktif. Penelitian ini bertujuan untuk menganalisis penggunaan aplikasi Simpeldesa di Desa Palasari, Jawa Barat. Sasaran dari penelitian ini adalah teridentifikasinya fitur layanan yang menjadi unggulan bagi Warga Desa Palasari dan teridentifikasinya tingkat konsistensi & intensitas warga desa dalam menggunakan aplikasi Simpeldesa. Metode yang digunakan pada penelitan ini adalah Desktiptif Kuantitatif melalui penyeberan kuesioner evaluasi penggunaan aplikasi Simpeldesa melalui model analisis TAM (Technology Acceptance Model). Indikator Indikator Intensitas Minat Menggunakan (Behavioral Intention to Use) memperoleh skor keberterimaan tertinggi, yaitu sebesar 437.8 dengan skala interpretasi accept. Adapun fitur .Smart Government merupakan fitur dengan tingkat keberterimaandan kepuasan tertinggi dibandingkan fitur Smart Economy dan Smart Society. Masih terdapat hal yang harus diperbaiki dilihat dari intensitas penggunaan aplikasi oleh warga, diantaranya dibutuh","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126870235","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Technology Acceptance Model Terhadap Minat Mahasiswa Unisba Dalam Menggunakan Shopee Paylater","authors":"Nesta Amalia Apriliani Deden Rahmat","doi":"10.29313/bcses.v3i2.7759","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.7759","url":null,"abstract":"The research was conducted with the aim of examining the effect of the TAM variable seen from the Perspective of perceived usefulness, Perceived ease of use, Behavioral intention to use and Actual to use partially on Unisba students' interest in using the shopee paylater. This is because the number of E-commerce users in Indonesia continues to increase every year, the number of system users' paylater payments has also increased from the previous year. This study uses a quantitative approach or method, the population used is the Shopee Paylater application users. Data collection techniques were carried out by distributing questionnaires to 100 respondents online and analyzed. The data analysis technique used in this study is the OLS regression. The results of this study indicate that the TAM Perspective variables perceived usefulness, Perceived ease of use, Behavioral intention to use and Actual to use have positive and significant values for Unisba students' interest in using Shopee Paylater. \u0000Abstrak. Penelitian dilakukan dengan tujuan untuk menguji pengaruh dari variabel TAM dilihat dari Perspektif perceived usefulness, Perceived ease of use, Behavioral intention to use dan Actual to use secara parsial terhadap minat mahasiswa unisba dalam menggunakan shopee paylater. Hal ini dikarenakan banyaknya pengguna E-commerce di Indonesia terus meningkat setiap tahun, jumlah pembayaran paylater pengguna sistem juga meningkat dari tahun sebelumnya. Penelitian ini menggunakan kuantitatif pendekatan atau metode, populasi yang digunakan adalah pengguna aplikasi Shopee Paylater. Teknik pengumpulan data dilakukan melalui penyebaran kuesioner kepada 100 responden secara online dan dianalisis. Teknik analisis data yang digunakan adalah dalam penelitian ini adalah regresi OLS. Hasil penelitian ini menunjukkan bahwa variabel TAM Perspektif perceived usefulness, Perceived ease of use, Behavioral intention to use dan Actual to use bernilai positif dan snifikan terhadap Minat mahasiswa unisba dalam menggunakan Shopee Paylater.","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"141 1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116709830","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Faktor Penentu Tingginya Alih Fungsi Lahan Pertanian Serta Dampaknya Terhadap Kegiatan Ekonomi Petani (Studi Kasus Di Desa Rancamanyar Kecamatan Baleendah Kabupaten Bandung)","authors":"Fadhila Rafi Mardhiya, Aan Julia","doi":"10.29313/bcses.v3i2.7654","DOIUrl":"https://doi.org/10.29313/bcses.v3i2.7654","url":null,"abstract":"ABSTRACT \u0000A lot of agricultural land is currently sold by farmers to be used as industrial land, housing and settlements. This happened in several regions in Indonesia, one of which occurred in the West Java region. Rancamanyar Village, Baleendah District, is one of the areas in Bandung Regency that has experienced quite a lot of land conversion activities. The purpose of this study is to find out what are the determinants of the high level of land conversion that occurs in Rancamanyar Village and its impact on the economic activities of farmers in Rancamanyar Village. This type of research is descriptive research. The method used is a qualitative research method with a case study approach. The results showed that the determinants of the high land use change in Rancamanyar Village were: 1) The value of productive land to be used as a residential area, 2) High land prices, supported by many requests from several parties, 3) The agricultural area was pushed out by residential areas so that absence of irrigation, 4) Decreased income from agricultural business, 5) Lack of labor (farmers). Regarding the impact on the economic activities of farmers, the research results show that land conversion activities result in changes in the economic activities of farmers who have converted their land. Where at first they had economic activities related to agriculture, they changed to non-agriculture. Examples include land developers, brokers, traders, rental businesses or shops. \u0000  \u0000ABSTRAK \u0000Banyak lahan pertanian saat ini dijual oleh para petani untuk dijadikan lahan industri, perumahan dan pemukiman. Hal tersebut terjadi di beberapa daerah di Indonesia, salah satunya terjadi di wilayah Jawa Barat. Desa Rancamanyar Kecamatan Baleendah merupakan salah satu wilayah di Kabupaten Bandung yang mengalami cukup banyak kegiatan alih fungsi lahan. Tujuan penelitian ini yaitu untuk mengetahui apa faktor penentu tingginya alih fungsi lahan yang terjadi di Desa Rancamanyar serta dampaknya terhadap kegiatan ekonomi petani yang ada di Desa Rancamanyar. Jenis penelitian yang dilakukan adalah penelitian deskriptif. Adapun metode yang digunakan yaitu metode penelitian kualitatif dengan pendekatan studi kasus. Hasil penelitian menunjukkan bahwa faktor penentu tingginya alih fungsi lahan di Desa Rancamanyar yaitu: 1) Nilai lahan yang produktif untuk dijadikan daerah permukiman, 2) Harga lahan yang tinggi, didukung dengan banyaknya permintaan dari beberapa pihak, 3) Terdesaknya area pertanian oleh kawasan permukiman sehingga tidak adanya irigasi, 4) Menurunnya pendapatan dari usaha pertanian, 5) Kurangnya tenaga jumlah tenaga kerja (petani). Terkait dampaknya terhadap kegiatan ekonomi petani hasil penelitian menunjukkan bahwa kegiatan alihfungsi lahan menghasilkan perubahan kegiatan ekonomi para petani yang telah mengalihfungsikan lahannya. Yang dimana pada mulanya mereka berkegiatan ekonomi berkaitan dengan pertanian, berubah menjadi non pertanian. Contohnya seperti developer tan","PeriodicalId":294720,"journal":{"name":"Bandung Conference Series: Economics Studies","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125297159","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}