scholarly journals STUDI DAMPAK PEMBERDAYAAN SISTEM KEUANGAN SYARIAH AL-IJARAH BAGI PELAKU UMKM

El Dinar ◽  
2020 ◽  
Vol 8 (2) ◽  
pp. 115-129
Author(s):  
Umrotul Khasanah ◽  
Meldona Meldona ◽  
Muhammad Djakfar
Keyword(s):  
Data Analysis ◽  
Small And Medium Enterprises ◽  
Financial System ◽  
Management Skills ◽  
Descriptive Research ◽  
Qualitative Descriptive ◽  
Main Instrument ◽  
Medium Enterprises ◽  
Gradual Approach ◽  
The Impact

Al-Ijarah's Islamic Financial System has produced strategic results. The Islamic financial system to differentiate from conventional financial systems based on interest (interest), the Islamic financial instrument is the al-ijarah (lease) system. This study aims to reveal the impact of Micro, Small, and Medium Enterprises (MSME) business actors on the Islamic financial system using the al-ijarah instrument; reveal the effect of business land managers leased to MSMEs regarding the Islamic financial system using the al-ijarah instrument. This research puts forward a qualitative descriptive research method with case studies of culinary business actors and providers of land for rent in Malang Raya, East Java. Data analysis uses a gradual approach, namely: analyzing important statements, formulating, describing, reducing data towards findings, propositions, and conclusions. The researcher, as the main instrument, performs data analysis simultaneously. Researchers prioritize observation and interviews. This research found two things: (1) Al-Ijarah business actors successfully overcame obstacles and obstacles. However, they initially applied their abilities as they were, but they could use their management skills quite well after developing. (2) The benefits for entrepreneurs who provide business / al-ijarah land leases are that they are successful in delivering strategic places, easy to reach, availability of parking spaces, and security aspects.

scholarly journals Covid-19 financial distancing for MSMEs in Kenya

2021 ◽  
Vol 10 (3) ◽  
pp. 357-362
Author(s):  
Nathan Mwenda Mutwiri
Keyword(s):  
Financial Management ◽  
Small And Medium Enterprises ◽  
Management Skills ◽  
Institutional Reforms ◽  
Microsoft Excel ◽  
Decision Usefulness ◽  
Descriptive Research ◽  
The Government ◽  
Medium Enterprises ◽  
Analyze Data

The Micro Small and Medium Enterprises (MSMEs) are important for every nation’s economic development. They provide employment and spur the growth of multiple sectors in the economy.  The Covid-19 pandemic has negatively affected MSMEs' performance. The study seeks to demonstrate why COVID 19 may lead to the terminal quarantining of MSMEs. The study is anchored on decision usefulness and information asymmetry theories. The study adopted a descriptive research methodology and sampled MSMEs within Nairobi City County. The study used SPSS to analyze data in addition to Microsoft excel. The study found that over 70% of MSMEs had their sales decline by over 65% while 95% of them had their sales decline by over 30%. The study found that about 68% of MSMEs lacked financial management skills. The study recommends that with legal and institutional reforms, the government needs to develop a financing framework for MSMEs.  

scholarly journals Web-Based Micro Small and Medium Enterprises Product Brand Development

2021 ◽  
Vol 1 (1) ◽  
pp. 11-16
Author(s):  
Trustorini Handayani ◽  
I Widianingsih ◽  
S Julianti ◽  
D N Pebriani
Keyword(s):  
Information System ◽  
Industrial Revolution ◽  
Small And Medium Enterprises ◽  
Global Market ◽  
Human Engineering ◽  
Web Based ◽  
Descriptive Research ◽  
Brand Development ◽  
Qualitative Descriptive ◽  
Medium Enterprises

This research aims to determine the development of Industrial Revolution 4.0 technology in the Micro, Small, and Medium Enterprises (MSMEs) sector, to improve the standard of quality business product brands by creating a web-based information system. To support this research, we used qualitative descriptive research methods to describe existing phenomena, both natural and human engineering, that pay more attention to the characteristics, quality, and interrelationships between activities. The results show that product brand development for web-based small and medium enterprises is compelling so that it will be able to compete with other business product brands globally. This is due to a web-based information system created to introduce various products, the owners of MSMEs products. The information system was designed to input the MSME owners' data, starting from product brands, catalogs, and services. Therefore, the information system can help marketing and improve the owners' ability in the product brand development that can be used to compete in the global market. That way, the society can access various information about superior products from the MSME owners who have a product quality is no less good than other excellent products.

scholarly journals DAMPAK PERLAKUAN PERATURAN PEMERINTAH NOMOR 46 TAHUN 2013 ATAS PAJAK PENGHASILAN PADA UMKM DI GRESIK

2014 ◽  
Vol 5 (2) ◽  
pp. 195
Author(s):  
Faiqotul Ilmia ◽  
Sri Andriani
Keyword(s):  
Income Tax ◽  
Government Regulation ◽  
Small And Medium Enterprises ◽  
Tax Rates ◽  
Net Income ◽  
Directorate General ◽  
Qualitative Descriptive ◽  
The Government ◽  
Medium Enterprises ◽  
The Impact

In achieving the desired development by Indonesia, the government requires revenue from the State Tax Revenue and Non-Tax Revenues. One of the efforts undertaken by the Directorate General of Taxation (DGT) is enacted Government Regulation No. 46 of 2013, the tax base used is the gross turnover of each month at 1 % final income tax rates. The emergence of these regulations is to provide convenience for taxpayers in determining the amount of income tax payable, but enactment of these rules in the middle of giving trouble for taxpayers in the calculation, depositing and reporting taxes for the year 2013. Purpose of this study was to determine the impact of treatment of PP 46 of 2013 on income tax on Micro, Small and Medium Enterprises (SMEs) in Gresik skull cap industry. This study used a qualitative descriptive approach with the aim of obtaining a picture of the object that is easily observed in the form of words on the focus of research on the impact of the enactment of Regulation 46 of 2013. The 3 (three) object of research is no skull cap Industry SMEs in Gresik . Data analysis aims to simplify the data processed, making it easy to read and interpret. Data were collected by means of observation, interviews, documentation. Analysis of the data through three stages: data reduction, data display, and conclusion. The results showed that the enactment of Regulation 46 of 2013 not only creates difficulties in terms of computation, depositing and reporting just as effective mid-year, but still there who do not know the regulations in terms of both has been the enactment of these regulations and in terms of the calculation mechanism. As for other effects of the government’s enactment of legislation, namely the amount of income tax payable is higher than the income tax calculations using norm bookkeeping or net income.

scholarly journals ENTREPRENEURSHIP FOR DEVELOPING SMALL AND MEDIUM-SCALE FARMERS IN AGRICULTURAL CLUSTER

TRIKONOMIKA ◽  
2020 ◽  
Keyword(s):  
Small And Medium Enterprises ◽  
Research Result ◽  
Entrepreneurship Policy ◽  
Descriptive Research ◽  
Marginalized Groups ◽  
West Sumatra ◽  
Qualitative Descriptive ◽  
Research Questions ◽  
Medium Enterprises

The entrepreneurship possesses the energy to generate innovation and improvement of agricultural clusters. However, it somehow has yet been successful to reach marginalized groups including Small and Medium Enterprises (SMEs) in agricultural clusters. The research questions to be addressed are thus: (1) how public policy at both national and regional levels contribute to entrepreneurship capacity-building in developing agricultural cluster in order to achieve SMEs empowerment. (2) Empiric actuality of entrepreneurship in agricultural cluster development. The research is a qualitative-descriptive research, case study on agricultural cluster at Subdistrict Lembah Gumanti of Solok Regency in the province of West Sumatra. Research result indicates that entrepreneurship policy has indeed yet at its best in the development of SME-based agricultural clusters due to the fact that entrepreneurial policy in agricultural clusters is still dominated by personal/private and corporation-based entrepreneurship.

scholarly journals An Implementation Model of Sustainability Reporting in Village-Owned Enterprise and Small and Medium Enterprises

2018 ◽  
Vol 2 (2) ◽  
pp. 90 ◽  
Author(s):  
Putu Sukma Kurniawan
Keyword(s):  
Small And Medium Enterprises ◽  
Sustainability Reporting ◽  
Structured Interview ◽  
Implementation Model ◽  
Medium Enterprise ◽  
Qualitative Descriptive ◽  
Medium Enterprises ◽  
The Impact ◽  
The Village ◽  
Initial Research

This article describes the implementation model of sustainability reporting in village-owned enterprise (VOE) and small and medium enterprises (SMEs), especially in Indonesia. This research design is a qualitative descriptive study and literature research. This research was conducted at the village-owned enterprise and some small and medium enterprise in Tajun village, Buleleng, Bali. The process of this research is divided into initial research, data collection, create the sustainability reporting model, and the implementation of the sustainability reporting model. The methods of collected data are semi-structured interview, observation, and document analysis. Sustainability reporting model in village-owned enterprise and small and medium enterprises based on GRI G4 standard. There are five stages on sustainability reporting model for VOE and SMEs. The five stages are prepare stage, connect stage, define stage, monitoring stage, and reporting stage. Sustainability reporting on VOE and SMEs increases transparency towards stakeholders and improves the optimization of business process. This result indicated that VOE and SMEs can more contribute than other related business in sustainability context. The impact of this research can help more VOE and SMEs reach and build their sustainability in their business activities.

scholarly journals Kontribusi PT. Telkom dalam Pengembangan UMKM Perkotaan di Kota Yogyakarta

2020 ◽  
Vol 33 (2) ◽  
Author(s):  
Cika Fauziyah ◽  
Tri Kuntoro Priyambodo ◽  
Sri Rum Giyarsih
Keyword(s):  
Small And Medium Enterprises ◽  
Information Access ◽  
Online Marketing ◽  
Economic Independence ◽  
Descriptive Research ◽  
Job Opportunities ◽  
Depth Interview ◽  
Wide Range ◽  
Qualitative Descriptive ◽  
Medium Enterprises

Penelitian ini bertujuan untuk mengetahui kontribusi PT. Telkom dalam pengembangan Usaha Mikro Kecil dan Menengah perkotaan dan implikasinya terhadap ketahanan wirausaha ekonomi pemuda. Penelitian ini bersifat deskriptif kualitatif. Pengumpulan data dilakukan melalui metode wawancara mendalam, observasi, dan dokumentasi. Teknik pengolahan dan analisis data  dilakukan dengan reduksi data, kategorisasi, display data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa PT. Telkom telah berkontribusi terhadap pengembangan UMKM perkotaan yaitu : memberikan informasi  secara cepat, memberikan akses pasar melalui pameran/promosi, memberikan jangkauan pelayanan yang luas, dan memberikan akses untuk peluang bisnis. Penelitian ini juga menemukan bahwa UMKM perkotaan berimplikasi untuk peningkatkan ketahanan wirausaha ekonomi pemuda dalam hal : memiliki jiwa kreatif dan pantang menyerah, memiliki daya saing yang tinggi, meningkatnya kemandirian ekonomi pemuda, meningkatnya kesempatan kerja, bertambah majunya usaha yang ditekuni pelaku UMKM perkotaan, dan meningkatnya keterampilan pemasaran online pelaku UMKM perkotaan.  This study aimed to determine the contributions of PT. Telkom to the development of urban Micro, Small, and Medium Enterprises (MSMEs) and their implications in the entrepreneurial resilience of youth economy. This qualitative descriptive research employed in-depth interview, observation, and documentation for data acquisition. The data analysis involved several steps, namely data reduction, categorization, display, and conclusion. The results affirmed several contributions of PT. Telkom to the development of urban MSMEs, namely the provisions of : quick information, access to market through exhibition/promotion, a wide range of services, and  access to business opportunities. This research also found that the urban MSMEs had implications in the entrepreneurial resilience of youth economy. For instance, the application has successfully increased creativity and tenacity, high competitiveness, economic independence, job opportunities by improving the business run by the urban MSMEs, and the online marketing skills of the urban MSMEs.

The impact of motivations, personal values and management skills on the performance of SMEs in South Africa

2015 ◽  
Vol 6 (3) ◽  
pp. 308-322 ◽  
Author(s):  
Francis Asah ◽  
Olawale Olufunso Fatoki ◽  
Ellen Rungani
Keyword(s):  
South Africa ◽  
Small And Medium Enterprises ◽  
Personal Values ◽  
Pearson Correlation ◽  
Management Skills ◽  
Contributing Factors ◽  
Content Type ◽  
Managerial Skills ◽  
Medium Enterprises ◽  
The Impact

Purpose – The purpose of this paper is to empirically investigate the impact of motivation, personal values and managerial skills of managers on the performance of small and medium enterprises (SMEs) in South Africa. Design/methodology/approach – Data were collected through the use of self-administered questionnaire in a survey. Data analysis included factor analysis, descriptive statistics, Pearson correlation and regression analysis. Findings – The findings revealed significant positive relationships between motivations, personal values and managerial skills of SME owners on performance. Research limitations/implications – Access to external finance (debt or equity) is one of the factors that can impact on the performance of growing SMEs. The non-accessibility of debt finance from commercial banks and trade creditors is seen as one of the major contributing factors to the failure of SMEs in South Africa. This study did not link access to finance to performance. Practical implications – The failure rate of SMEs is very high in South Africa. The study suggests that SME owners should incorporate values and improve management skills. In addition, SMEs that are motivated by opportunity have a better chance of survival. Social implications – To reduce unemployment and poverty in South Africa. Originality/value – This study adds to the understanding of the relationship between of personal values, motivations and management skills of managers and the performance of SMEs from a developing country perspective.

scholarly journals Menguak Penilaian Tingkat Kesehatan Koperasi Wanita

2021 ◽  
Vol 4 (2) ◽  
pp. 199-220
Author(s):  
Riko Agus Pramono ◽  
Driana Leniwati
Keyword(s):  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Descriptive Research ◽  
Management Efficiency ◽  
Qualitative Descriptive ◽  
Productive Asset ◽  
Final Score ◽  
The Republic ◽  
Asset Quality ◽  
Medium Enterprises

The purpose of this study is to found see how healthy the Teratai Women Cooperative in Merjoyo Village, Purwoasri District, Kediri Regency. The aspects of capital, productive asset quality, management, efficiency, liquidity, independence and growth, as well as the cooperative's identity, are used to assess cooperatives, as per the Regulation of the Deputy for Supervision of the Ministry of Cooperatives and Small and medium enterprises of the Republic of Indonesia Number 6 of 2016. This sort of research combines qualitative descriptive research with secondary data gathered from management accountability reports presented at Annual Member Meetings, specifically the cooperative financial accounts for 2018-2020. The results of the analysis show that the Teratai Women's Cooperative's health level rating in 2018-2020 had an average final score of 56.18, indicating that the predicate is under supervision.

Structural Modeling of Institute of Entrepreneurship in Russia

2019 ◽  
pp. 34-48
Author(s):  
Svetlana L. Sazanova
Keyword(s):  
Global Economy ◽  
Structural Model ◽  
Institutional Environment ◽  
Small And Medium Enterprises ◽  
Structural Modeling ◽  
Entrepreneurial Activity ◽  
Pattern Modeling ◽  
Medium Enterprises ◽  
The Impact ◽  
The Relationship

Entrepreneurship plays an important role in the modern global economy; the share of products of small and medium enterprises in the gross product and exports not only of the developed but also of developing countries is growing. Innovation processes cover all sectors of the economy, and more and more people are involved in entrepreneurial activity, which contributes to the penetration of entrepreneurial thinking and business values in all areas of the socioeconomic life of society. The Institute of Entrepreneurship plays an increasingly prominent role in the institutional environment of socio-economic systems. This actualizes the problem of studying the relationship of the institution of entrepreneurship with the institutions of law, culture, management. This requires a methodology that allows you to explore the impact on the institute of entrepreneurship not only economic, but also non-economic factors. The methodology of the “old” institutionalism possesses such a tool, it is structural modeling (pattern modeling), which allows to explore the diversity of interrelationships of the institution of entrepreneurship with other components of the institutional and economic environment. The article explored the features of the development of the institution of entrepreneurship in Russia, established the relationship between the institution of entrepreneurship, values, motives and incentives for entrepreneurial activity, built a structural model of the institution of entrepreneurship based on the methodology of the old institutionalism (pattern modeling). The structural model of the institution of entrepreneurship reveals the relationship between the institution of entrepreneurship, the values of entrepreneurial activity, its motives and incentives; as well as the relationship between the institution of entrepreneurship with the institutions of governance, cultural and religious institutions, legal institutions and society.

AFRICA’S RENAISSANCE AND POTENTIAL IN THE LEATHER SECTOR WITH REFLECTION TO THE GLOBAL PERFORMANCE

2015 ◽  
Vol 2 (1) ◽  
pp. 1-17 ◽  
Author(s):  
Mwinyihija M.
Keyword(s):  
Value Chain ◽  
Small And Medium Enterprises ◽  
Middle Level ◽  
Individual Member ◽  
Socioeconomic Indicators ◽  
Value Add ◽  
Medium Enterprises ◽  
The Impact ◽  
Productivity And Competitiveness ◽  
Critical Aspects

Africa’s renaissance is inevitable and rapidly emerging as a reality in tandem with the continent’s continued exploration of its natural resources in a more sustained way than previously done. Currently, the clarion call is to value add, avoid plundering and involve its population through the SME’s to adapt modern methods of entrepreneurship. During the study, critical aspects that are envisaged to trigger the growth and development of Africa, included the entry of major countries of the continent into the global emerging markets such as MINT (Mexico, Indonesia, Nigeria and Turkey) and BRICS (Brazil, Russia, India, China and South Africa). For the leather sector, certain socioeconomic indicators such as the youthful participation in the value chain, ownership status, literacy levels and acquired experiences are all contributing to a vibrant sector. It was observed that these indicators if well aligned with individual member states of African Union Commission and structured than productivity and competitiveness of leather products will be attained. As such, ease of either foreign direct investment, local recapitalization and development of the SME’s could become feasible. Indeed, with the emergence of over 300 million youth at middle level income level is construed to start building on the impact of the continents purchasing power. Therefore, Africa needs to respond by address on development of ICT, develop affordable financial support to provide stimulus packages to SME’s (Small and Medium Enterprises) to transform, improve on inter and intra trade to optimize on unexplored synergies and enhance mobility of persons with in Africa as preamble to Africa’s renaissance.

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