scholarly journals An Analytical Network Process on Financial Access of the Small and Medium Enterprise in Sharia Banking in Tasikmalaya City

2015 ◽  
Vol 3 (2) ◽  
pp. 19-26
Author(s):  
Asep Suryanto ◽  
Fatimah Zahra Nasution
Keyword(s):  
Financial Institutions ◽  
Small And Medium Enterprises ◽  
External Solution ◽  
Analytic Network Process ◽  
Islamic Banking ◽  
Financial Access ◽  
Small And Medium Enterprise ◽  
Network Process ◽  
Medium Enterprise ◽  
The Government

Small and Medium Enterprise (SME) is one of the significant roles in national economic development. It is seemly followed by the rise of employment absorbent and equity in income distribution. The capital constraint and the impedance of banking financial access have become the main problem to the Small and Medium entrepreneurs. The objectives of this research are to identify the main factors as problems of Small and Medium Enterprises in having access to the financial institutions, and also to find out the solutions of the research problems. This research uses qualitative approach i.e. Analytic Network Process (ANP). Through applying this method, it is expected to help the researchers in making measurement and synthesis of some factors regarding on the topic analyzed as well as finding the solution for problems faced by the SMEs. The resources of the data is derived from questionnaires and in-depth interview with experts, practitioners, SMEs and regulators which then analyzed by the structure and hierarchy into homogen clusters of the SMEs problems and solutions, measuring into ratio scale and building synthesis. As the result, it becomes clear what factors impeding the financial access of the SMEs to banks. The results of this research show that the difficulties of SMEs in accessing financial support in Islamic financial institutions are internal problems of Islamic banking i.e. lack of financial assistance given to the SMEs, the functions of Islamic banking as business partners for SMEs is not optimal. Whereas the external problems in the SMEs are the disability in meeting the financial requirements asked by Islamic banking that are collateral and business history. The internal solutions are Islamic banking must give business mentoring to SMEs that have received financial supports to minimalize the bad credits level. The external solution is the government must also socialize Islamic financial mechanism to SMEs as part of education efforts.

scholarly journals Strengthening the MSME Through Institutional Cooperation Improvement Between MSME and Sharia Microfinance Institutions (SMFI)

2019 ◽  
Vol 17 (1) ◽  
pp. 65
Author(s):  
Darsono Darsono ◽  
Darwanto Darwanto
Keyword(s):  
Financial Institutions ◽  
National Economy ◽  
Microfinance Institutions ◽  
Limited Access ◽  
Institutional Strengthening ◽  
Small And Medium Enterprise ◽  
Institutional Cooperation ◽  
Medium Enterprise ◽  
Institutional Aspects ◽  
The Government

Micro, Small and Medium Enterprise (MSME) is one of the pillars of the national economy because of the magnitude of the contribution made by MSME. It is even mentioned that MSME is an integral part of the country's economy. MSME in Indonesia is able to absorb the labor up to 97.02%. The contribution of MSME to GDP (57.08%) and investment (53.24%) also has a larger value when compared to large businesses. But in general, MSME has limited access to financial institutions. By these problems, the government has provided special financing of MSME through Microfinance Institutions (MFI). But in its implementation, externally MFI has obstacles of institutional aspects that have an impact on the variety of the MFI forms. While SMFI has Islamic financing methods that give priority to moral, ethical, and fair so efficiently it can encourage the participation of MSME entrepreneurs to succeed. This study formulates schemes or strengthening models of MSME to increase institutional cooperation between MSME and SMFI. The institutional strengthening scheme offered is expected to increase the contribution of MSME to the national economy.

scholarly journals Peran Pemerintah Dalam Pembinaan Usaha Kecil Menengah Di Kabupaten Enrekang

2017 ◽  
Vol 3 (1) ◽  
pp. 01
Author(s):  
Devi Chandra Nirwana ◽  
Muhammadiah Muhammadiah ◽  
Muhajirah Hasanuddin
Keyword(s):  
Case Studies ◽  
Small And Medium Enterprises ◽  
Role Of Government ◽  
Small And Medium Enterprise ◽  
Medium Enterprise ◽  
The Government ◽  
Medium Enterprises

The study aims to know the role of government in the development of small and medium enterprises in the district of Enrekang. The kind of research that is used which is a qualitative with the type case studies. Source used in this study as many as nine people. Techniques of collecting the data used in research, the observation, interviews, and documentation. The results of this study hows that the goverment of Enrekang’s role is a facilitator, regulator, and catalyst. Measures taken by the government of Enrekang, it’s very helpful community in improving small and medium enterprise, there were some communities that have been able to grow its business, but the government of Enrekang still need to further improve the development of the business.Keyword: role, the goverment,  the founding UMKM      Penelitian ini bertujuan untuk mengetahui peran pemerintah dalam pembinaan usaha kecil menengah dikabupaten enrekang.Jenis penelitian yang digunakan  yaitu kualitatif dengan tipe studi kasus. Informan yang digunakan dalam penelitian ini sebanyak sembilan orang.Teknik pengumpulan data yang digunakan dalam penelitian ini yaitu observasi, wawancara, dan dokumentasi.Hasil penelitian ini menunjukan bahwa pemerintah kabupaten enrekang sudah menjalakan perannya yaitu sebagai fasilitator, regulator dan katalisator.Tindakan yang dilakukan oleh pemerintah kabupaten Enrekang, sudah sangat membantu masyarakat dalam meningkatkan usaha kecil menengah,sudah ada beberapa masyarakat yang sudah mampu mengembangkan usahanya, tapi pemerintah kabupaten Enrekang masih perlu untuk lebih meningkatkan pembinaan kepada pelaku usaha.Kata kunci: peran, pemerintah, pembinaan UMKM 

scholarly journals PEMBERDAYAAN UMKM MELALUI PELATIHAN PENYUSUNAN LAPORAN KEUANGAN UNTUK UMKM DI DESA KANGKUNG, KECAMATAN MRANGGEN KABUPATEN DEMAK

2020 ◽  
Vol 3 (1) ◽  
Author(s):  
Nurul Imani Kurniawati ◽  
Stacia Reviany Mege ◽  
Riandhita Eri Werdani ◽  
Maya Aresteria ◽  
Kholidin Kholidin
Keyword(s):  
Community Service ◽  
Financial Institutions ◽  
Small And Medium Enterprises ◽  
Financial Report ◽  
Small And Medium Enterprise ◽  
Medium Enterprise ◽  
Training Activities ◽  
Medium Enterprises ◽  
And Training

Small and Medium Enterprise (SME) also known as UMKM is growing rapidly and has become one of many sectors to support the Indonesian Economy. The lack of ability to make financial report has been a problem for UMKM inhibit them to gain loan or investment from financial institutions. The same problem also found at UMKM in Kangkung Village. The purpose of this community service is to train the entrepreneurs about preparing and making simple financial report. This community service is consist of four steps which started by pre survey then followed by UMKM survey, pre training and training activities. After participating in the training, the entrepreneurs have shown understanding about the importance of financial report, and have gained ability to prepare a standard financial report for their business. This community service is expected to be held continuously for the UMKM in Kangkung villageKeywords: Small and Medium Enterprises, UMKM, Financial Report

SOSIALISASI PENDAFTARAN NPWP BAGI PRIBADI DAN PEMILIK UMKM DI DESA KANGKUNG, KECAMATAN MRANGGEN KABUPATEN DEMAK

2020 ◽  
Vol 3 (2) ◽  
Author(s):  
Maya Aresteria ◽  
Apip Apip ◽  
Deddy Sulestiyono ◽  
Rosdayah Fairuz Hitsotsu
Keyword(s):  
Community Service ◽  
Small And Medium Enterprises ◽  
Small And Medium Enterprise ◽  
Medium Enterprise ◽  
Training Activities ◽  
Medium Enterprises ◽  
Service Location ◽  
And Training

ABSTRACT -  Small and Medium Enterprise (SME) also known as UMKM is growing rapidly and has become one of many sectors to support the Indonesian Economy. The lack of ability to have NPWP has been a problem for UMKM and also people. The same problem also found at UMKM in Kangkung Village. The purpose of this community service is to train the entrepreneurs about preparing and register oneself to get a NPWP. This community service is consist of four steps which started by survey of service location then collecting data on village potentials and the role of the community , Preparation for the implementation of assistance and training and training activities. After participating in the training, the entrepreneurs become more understanding and can register NPWP. This community service is expected to be held continuously for the UMKM in Kangkung village Keywords: Small and Medium Enterprises, UMKM, NPWP

scholarly journals Perception towards Regulatory Burden on Small and Medium Enterprises Performance: A Case Study in Shashemene Town, West Arsi Zone, Ethiopia

2020 ◽  
Vol 10 (1) ◽  
pp. 294
Author(s):  
Ofgaha Alemu Dire ◽  
Wegene Bekele Bekelcha
Keyword(s):  
Small And Medium Enterprises ◽  
Business Owners ◽  
Research Approach ◽  
Policy Makers ◽  
Regulatory Burden ◽  
Small And Medium Enterprise ◽  
Arsi Zone ◽  
Medium Enterprise ◽  
Broad Objective ◽  
Medium Enterprises

The study focuses on “perception towards regulatory burden on small and medium enterprise performance” in Shashemene town, west Arsi zone, Oromia regional state, Ethiopia. The study adopted a qualitative research approach to address broad objective through answering research questions developed by a researchers. Specifically, this study used questionnaire to collect data from SMEs business owners, managers and employees and in-depth interview conducted. Data was analyzed by using descriptive statistics. The information obtained from a samples of the 140 small and medium enterprise and through face-to-face interview of 10 owners of SMEs business. The respondents were selected using stratified sampling techniques. The result of the study show that small and medium enterprise challenges from different factors as they perceived from the challenges of regulatory burden and identifies mechanisms used to mitigate problems from regulatory burden and how much the regulators have smooth contact with them and to what extent regulators made inspections. Moreover, the result indicated the perception of SMEs businesses towards regulatory burden. As a whole, the study suggests a series of measures should be taken by government policy, makers and regulators for SMEs performance. Researchers’ conclude and recommend that government bodies, Small and medium enterprise business owners, managers, employees and policy makers should focus on regulation to reduce regulatory burden on small and medium enterprises.

scholarly journals The Strategy of Realizing Sharia Based School Cooperative in Tasikmalaya City, Indonesia

2017 ◽  
Vol 5 (1) ◽  
pp. 47-58
Author(s):  
Asep Suryanto
Keyword(s):  
School Leadership ◽  
Analytic Network Process ◽  
Qualitative Approach ◽  
Primary Data ◽  
Depth Interview ◽  
Hierarchical Complexity ◽  
Network Process ◽  
The Government ◽  
Policy Holder ◽  
Research Show

The objectives of this research: 1) what factors become a problem so that school cooperative still not become sharia based school cooperative? 2) How is the strategy to realize sharia cooperative in school? This research used a qualitative approach, i.e., Analytic Network Process (ANP). In applying the ANP method, the researcher does the following: 1) structuring the hierarchical complexity into the homogeneous clusters of the factors, 2) performing the measurements into the ratio scale at all the lowest levels of the hierarchy/ network, 3) synthesizing. Data used in this research is primary data collected from questionnaires and in depth interview with experts, the policy holder, students, and teacher coach. The results of the research show that 1) The factors that become the problem of difficulties in realizing sharia-based school cooperatives are less student participation, limited capital and infrastructure, knowledge of sharia co-operatives that are less good than students and teachers, and lack of coaching from the local cooperative office. 2) There are two strategies as a solution, i.e., an internal strategy which is the policy of school leadership to support the establishment of sharia-based school cooperatives; And external strategies that should be carried out by the government to support and develop sharia cooperatives including sharia-based school cooperatives.

scholarly journals CONVERTING CONVENTIONAL BANKS TO SHARIA BANKS IN ACEH: AN EFFORT TO MAINTAIN A STABLE ECONOMY IN THE COVID-19 OUTBREAK

2021 ◽  
Vol 10 (1) ◽  
pp. 24
Author(s):  
Iskandar Budiman
Keyword(s):  
Financial Institutions ◽  
Global Economy ◽  
Human Life ◽  
Growth Conditions ◽  
Islamic Banking ◽  
Economic Downturn ◽  
Economic Activities ◽  
Sharia Law ◽  
The Government ◽  
Conventional Banks

Based on Aceh Qanun (sharia law) No.11 of 2018 concerning Islamic Financial Institutions, it is required to carry out financial activities based on sharia principles. The decline of the global economy during the Covid-19 outbreak did not dampen the Aceh Government, which declared itself a special province practicing sharia values. Apart from aiming to make a purely Sharia-based region, the conversion of conventional banks to sharia banks is also to stabilize the economy. This study aims to analyze (1) the growth conditions of Islamic banking in Indonesia, (2) the legalization of the Aceh Government Qanun in determining financial institutions operating in Aceh, and (3) the resilience of Islamic banking in facing the global economic downturn during the Covid-19 pandemic. The analysis method used is literature and regulation review. The conclusion that the decentralization system implemented by the Indonesian Government in Islamic banking has not been able to maximize the growth of Islamic banking in Indonesia. Aceh Province, the only province in Indonesia that implements Sharia Law through special autonomy, has its own economic system. The Aceh government issued a Qanun, which obliged economic activities based on sharia principles. Based on Qanun No. 11 of 2018, the operation of Banks in Aceh must be in accord with Sharia. Therefore, entering 2020, the Islamic economy has been running almost perfectly in Aceh by changing conventional banking operations into Islamic banking. Furthermore, Islamic banking in Indonesia can still maintain stable growth when the Indonesian economy slides sharply in the second quarter of 2020 to minus 5.32 percent. This fact proves that increasing the growth of Islamic banking is an important thing to do. The Government should be serious and more consistent in maintaining economic stability and achieving the purposes (maqashid) of Sharia in human life.========================================================================================================ABSTRAK – Konversi Bank Konvensional Menjadi Bank Syariah di Aceh: Upaya Menjaga Stabilitas Perekonomian dalam Wabah Covid-19. Qanun (undang-undang syariat (Islam)) Aceh No 11 Tahun 2018 tentang Lembaga Keuangan Syariah, secara tegas telah mewajibkan lembaga keuangan yang beroperasi di Aceh untuk melaksanakan kegiatannya berdasarkan prinsip syariah. Penurunan ekonomi global di masa pandemi covid-19 tidak menyurutkan langkah Pemerintah Aceh dalam mengimplementasikan kebijakan mensyariahkan seluruh lembaga dan institusi yang berada di Aceh. Walaupun berada di dalam sebuah negara yang tidak menganut paham syariah, Provinsi Aceh telah menyatakan dirinya sebagai sebuah wilayah berkedaulatan syariah Islam. Selain bertujuan untuk menjadikan wilayah yang murni berbasis syariah Islam, konversi bank konvesional menjadi syariah juga bertujuan untuk menstabilkan perekonomian. Penelitian ini bertujuan untuk menganalisis (1) kondisi pertumbuhan perbankan syariah di Indonesia, (2) legalisasi Qanun Pemerintah Aceh dalam menentukan lembaga keuangan yang beroperasi di Aceh, dan (3) ketahanan  perbankan syariah dalam menghadapi penurunan perekonomian global di masa pandemi Covid-19. Studi ini menggunakan metode kajian literatur dan analisis regulasi yang menghasilkan kesimpulan yaitu sistem desentralisasi yang dilakukan Pemerintah Indonesia pada perbankan syariah belum dapat memaksimalkan pertumbuhan perbankan syariah di Indonesia. Provinsi Aceh sebagai satu-satunya provinsi di Indonesia yang menjalankan Syariat Islam melalui otonomi khusus mempunyai sistem perekonomian tersendiri. Pemerintah Aceh mengeluarkan qanun yang mewajibkan seluruh kegiatan perekonomian harus berlandaskan prinsip syariah. Berdasarkan Qanun No. 11 Tahun 2018, setiap perbankan yang beroperasi di Aceh haruslah berbentuk syariah. Oleh sebab itu memasuki tahun 2020, perekonomian Islam hampir sempurna telah berjalan di Aceh salah satunya dengan berubahnya operasional perbankan konvensional menjadi perbankan syariah di Provinsi Aceh. Selanjutnya, Perbankan syariah di Indonesia masih mampu menjaga kestabilan pertumbuhannya di saat perekonomian Indonesia meluncur tajam di kuartal II 2020 hingga minus 5,32 persen. Hal ini membuktikan bahwa meningkatkan pertumbuhan perbankan syariah merupakan hal yang penting dilaksanakan, memerlukan keseriusan dan konsistensi terus menerus dari pemerintah demi menjaga kestabilan ekonomi makro dan akan tercapai maqashid syariah pada semua lini kehidupan.

scholarly journals EVALUATION OF MICRO, SMALL AND MEDIUM ENTERPRISES DEVELOPMENT PROGRAM IN PT FREEPORT INDONESIA

2017 ◽  
Vol 1 (02) ◽  
pp. 19-26
Author(s):  
Theresia Oktavia
Keyword(s):  
Small And Medium Enterprises ◽  
Evaluation Model ◽  
Development Program ◽  
Secondary Data ◽  
Product Evaluation ◽  
Primary Data ◽  
Small And Medium Enterprise ◽  
Overall Evaluation ◽  
Medium Enterprise ◽  
Medium Enterprises

This research is aimed to evaluate  the implementation of Micro, Small and medium enterprise development Program in PT Freeport Indonesia. The method used for this research was qualitative descriptive, using CIPP (Context, Input, Process, and Product) evaluation model. Primary data was obtain through interviews and observation, and secondary data document study. The results showed that Program Context, Input and process were classified as high category, while   outcomes as moderate categories. The overall evaluation shows Moderate categories.The Program was rendered effective to achieve the goal of enhancing the Micro, Small and Medium enterprise Development.It should be continued and further enhanced by the management to acquire better enterprise graduates.Keywords: Evaluation of Program, Micro, small and medium enterprise, PT Freeport Indonesia

Borrower Discouragement: Loan Delays and Loan Rejection: Evidence from MSMEs in the State of Assam in India

2020 ◽  
Vol 47 (2) ◽  
pp. 95-103
Author(s):  
Rashmi Sarda ◽  
Devi Baruah
Keyword(s):  
Regional Development ◽  
Small And Medium Enterprises ◽  
Export Promotion ◽  
Vital Role ◽  
The State ◽  
Bank Credit ◽  
Small And Medium Enterprise ◽  
Medium Enterprise ◽  
Employment Generation ◽  
Medium Enterprises

In India micro, small and medium enterprises (MSMEs) play a vital role in the development of economy through their contribution to GDP, employment generation, regional development, export promotion, etc. Irrespective of the achievements of the small and medium enterprise (SME) sector, there are certain issues which eclipse desired growth. Availability of ample and timely credit at reasonable rate of interest is vital for the development of these sectors. There seems to be a gap between demand for and supply of the bank credit to SMEs. The delay in processing of credit and the rate of rejections discourage the borrowers from applying for credit. Hence, this article aims to analyse the discouragement faced by MSME loan applicants from the evidence of rejections and delays in advancing loans in Jorhat district in the state of Assam in India.

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