scholarly journals PEMBERDAYAAN UMKM DAN LEMBAGA KEUANGAN SYARIAH MELALUI PRINSIP BAGI HASIL

2013 ◽  
Vol 5 (1) ◽  
Author(s):  
Rizki Tri Anugrah Bhakti ◽  
Mochammad Bakri ◽  
Siti Hamidah
Keyword(s):  
Financial Institution ◽  
Small And Medium Enterprises ◽  
Profit Sharing ◽  
Ideal Solution ◽  
Total Labor Force ◽  
Ideal Solutions ◽  
Total Labor ◽  
The Right ◽  
Medium Enterprises

<p>This article describes the micro, small and medium enterprises (SMEs), which has high ability  to  absorb  labor  market,  as  many  as  97.3%  from  the  total  labor  force  working. However,  the  role  of  micro,  small  and  medium  enterprises  (SMEs)  in  the  reality  have difficulties in some factors, one of the factor is capital issues. This is where Syariah financial institution  with  the  profit  sharing  principal  to  be  expected  become  ideal  solution,  this because on the financing use the profit sharing principal. Observing phenomenon as above it is necessary to have assessment on few point area, first, implementation of financing on Syariah financial institution in the Malang City perceived become ideal solutions. Second, the factors which become the barrier on implementation of financing on Syariah financial institution in Malang City. Third; the right solution to overcome the barrier factors on the implementation at Shariah financial institution in Malang City concerning exact profit sharing principal.</p> <p>Artikel ini membahas tentang kemampuan usaha mikro, kecil dan menengah (UMKM) dalam menyerap tenaga kerja di Indonesia yang cukup besar, yaitu sebanyak 97,3% dari total angkatan kerja yang bekerja. Namun peran tersebut dalam kenyataannya terkendala oleh beberapa hal, diantaranya permasalahan modal. Disinilah peran Lembaga Keuangan Syari’ah dengan pembiayaan berprinsip bagi hasil sangat diharapkan. Mengamati fenomena yang demikian maka perlu dikaji mengenai beberapa hal; pertama, pelaksanaan pembiayaan pada Lembaga Keuangan Syari’ah di kota Malang yang dirasa ideal bagi usaha mikro, kecil dan menengah (UMKM). Kedua, faktor-faktor penghambat pelaksanaan pembiayaan pada Lembaga Keuangan Syari’ah di Kota Malang berkenaan dengan prinsip bagi hasil, dan ketiga,  solusi  untuk  mengatasi  faktor-faktor  penghambat  pelaksanaan  pembiayaan  pada Lembaga Keuangan Syari’ah di Kota Malang berkenaan dengan prinsip bagi hasil yang ideal tersebut.</p>

scholarly journals Notary Role In Making The Establishment Of The Deed Of Business Cooperation In The Rembang District

Jurnal Akta ◽  
2019 ◽  
Vol 6 (3) ◽  
pp. 573
Author(s):  
Zaenal Arifin ◽  
Aryani Witasari
Keyword(s):  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Literature Study ◽  
Formation Stage ◽  
Cooperative Development ◽  
Preparation Stage ◽  
Cooperative Enterprises ◽  
The Right ◽  
Medium Enterprises

The purpose of this study was to analyze: 1) The implementation of the Deed of Establishment of Cooperative manufacture in Rembang. 2) The role of the Notary as the maker of the Deed of Establishment of Cooperative Enterprises. 3) Barriers and solutions in the Deed of Establishment of Cooperative Development in Rembang.The approach method in this research is juridical empirical, data sources used are primary and secondary data obtained through interviews and literature study, performed data analysis by descriptive analytic.Results of the research results can be concluded: 1) Implementation of Creation Deed of Establishment of Cooperative in Rembang which starts with the preparation stage of formation, preparation stage meetings of formation, stage meetings of formation, stage request for approval rights of legal entities cooperatives, and the stage of issuance of the deed pendiiran and 2) As the role of Notary Deed of establishment of cooperative enterprises in Rembang is as maker deed of cooperative efforts. Notaries have the right authority / legal standing in a deed of incorporation of cooperatives. 3). Obstacles and solutions in the Deed of Establishment of Cooperative Development in Rembang of the cooperative is a member of the cooperative awareness level is still low, less managerial capacity, and limited capital resources. Barriers of Notary Public Notary is still much limited knowledge of Notary Deed Official Cooperation (PPAK) and the low interest of the Notary Deed Cooperative (NPAK) in Rembang district were registered for the Legal Entity Administration System Cooperative (SISMINBHKOP). With the state of a society, then the Office of Industry Trade Cooperatives and Small and Medium Enterprises Rembang should seek to build cooperation between the Notary in Rembang with the Agency's own cooperative.Keywords: Deed of Establishment of Cooperative; PPAK; SISMINBHKOP 

scholarly journals EMPLOYMENT OF MICRO SMALL-BUSINESS ENTERPRISES (SMEs) THROUGH THE FINANCING OF SHARIA FINANCIAL INSTITUTIONS

2019 ◽  
Vol 1 (02) ◽  
pp. 27-36
Author(s):  
Muhammad Rafi’i Sanjani
Keyword(s):  
Qualitative Research ◽  
Data Collection ◽  
Data Processing ◽  
Financial Institutions ◽  
Small And Medium Enterprises ◽  
Profit Sharing ◽  
Research Data ◽  
Medium Enterprises ◽  
Descriptive Qualitative

Micro, small and medium enterprises (UMKM) in absorbing labor is large enough. But the role of MSMEs in reality is constrained by several things, including capital problems. This is where the role of Shariah Financial Institutions with principal-sharing financing is desirable. Observing such phenomena needs to be examined on several issues; first, the implementation of financing at Syari'ah Financial Institutions in Sumbawa which is considered ideal for micro, small and medium enterprises (UMKM). Secondly, some of the obstacles to the implementation of financing at Syari'ah Financial Institutions in Sumbawa pertain to the principle of profit sharing, and thirdly, the solution to overcome the impediments of financing implementation at Syari'ah Financial Institutions in Sumbawa w This research is a descriptive qualitative research. Data collection techniques that is by combining three methods or the so-called triangulation, among others, interviews, observation and documentation. Data processing will be analyzed and processed descriptively qualitative.ith respect. This research is a descriptive qualitative research. Data collection techniques that is by combining three methods or the so-called triangulation, among others, interviews, observation and documentation. Data processing will be analyzed and processed descriptively qualitative. Research Results Micro, small and medium enterprises (UMKM) are able to absorb a large enough labor. But the role is in fact constrained by several things, including capital problems. This is where the role of Shariah Financial Institutions with principal-sharing financing is desirable. Observing such phenomena needs to be examined on several issues; first, the implementation of financing at Syari'ah Financial Institutions in Sumbawa which is considered ideal for micro, small and medium enterprises (MSMEs). Second, the impediments to the implementation of financing of the Shariah Financial Institutions in Sumbawa with respect to the principle of profit sharing, and thirdly, the solution to overcome the impediments of the financing of the Syari'ah Financial Institutions in Sumbawa with respect to the ideal profit-sharing principle.

scholarly journals ANALYSIS OF MARKETING STRATEGY IN AN EFFORT TO ATTRACT CONSUMER BUYING INTEREST ON MSME PEYEK SARI MENIR GUNUNG KIDUL

2021 ◽  
Vol 9 (2) ◽  
pp. 166
Author(s):  
Wulan Probo Bintari ◽  
Agus Dwi Cahya ◽  
Novita Wulandari
Keyword(s):  
Marketing Strategy ◽  
Raw Materials ◽  
Small And Medium Enterprises ◽  
Rapid Development ◽  
Marketing Mix ◽  
Analysis Technique ◽  
Marketing Mix Strategy ◽  
The Right ◽  
Medium Enterprises

Marketing strategy has an important role for Micro, Small and Medium Enterprises (MSMEs). The important role of the right marketing strategy will be able to attract consumers to buy the products. Currently, MSMEs in Indonesia are experiencing very rapid development, especially in the culinary field. "Sari Menir" is a MSME that produces peyek snack which is located at RT005/RW002, Plembon Lor, Logandeng, Playen, Gunungkidul, Yogyakarta. The purpose of this study is to analyze the implementation of marketing strategies in an effort to attract consumer buying interest in Sari Menir MSME. This study uses a descriptive approach with qualitative methods. The technique of determining the place using purposive area method. The research source was selected by purposive sampling method. The resource person in this study were Mrs Ratna Anjarwati as the manager and the daughter of MSME Sari Menir founder. Data collection techniques using interview and documentation methods. The data analysis technique was carried out through stages of data reduction, data display, and drawing conclusions. The results showed that Sari Menir MSME using the marketing mix strategy in an effort to attract consumers buying interest. The marketing mix strategy carried out by Sari Menir MSME as follows: Maintaining product quality by using good quality raw materials; Set the right and appropriate price; Using direct and indirect distribution channels to reach strategic locations; Take part in exhibitions and apply word of mouth as promotional advice.

scholarly journals PERANAN BAITUL MAAL WAT TAMWIL DALAM MENINGKATKAN USAHA MIKRO MELALUI PEMBIAYAAN MUDHARABAH (Studi Kasus BMT Fajar Cabang Cileungsi Bogor Periode 2018-2019)

2021 ◽  
Vol 6 (01) ◽  
pp. 47-54
Author(s):  
Sarwo Edy Sarwo ◽  
Rayuningsih
Keyword(s):  
Small And Medium Enterprises ◽  
Field Research ◽  
Research Process ◽  
Profit Sharing ◽  
Research Field ◽  
Microfinance Institutions ◽  
Library Research ◽  
The People ◽  
Medium Enterprises

This research is motivated by the presence of Islamic Microfinance Institutions in the form of BMT, namely BMT Fajar in the community, especially the people of Cileungsi-Bogor, is expected to bring changes in various aspects of people's lives. In the case of the people of Cileungsi Village, Bogor Regency, where the community is not familiar with Sharia Microfinance Institutions such as BMTs well. Until finally people prefer to make loans to Mobile Banks or so-called loan sharks with interest that are not small as business financing capital, it is the habit of borrowing capital to loan sharks that is the problem and attracts the author's interest to do research. This study aims to determine the background of BMT Fajar in providing mudharabah financing, to know the mudharabah financing procedure, and to determine the role of mudharabah financing in BMT Fajar. The methodology used in this study used a qualitative approach, namely field research and library research. Field research is data collection techniques using observation, interview and documentation methods with Branch Heads, BMT Fajar Cileungsi-Bogor UMKM entrepreneurs, and their business customers. So as to get accurate data on the research process, and library research data, namely by means of data analysis using inductive, deductive and comparative. Through interviews and observations, it can be seen that based on the results of the research it can be concluded that the role of BMT Fajar's Cileungsi branch in improving micro-businesses is by BMT Fajar to provide financing products that are not difficult in terms of capital, which do not apply the usury system in the operational system, but are replaced with a profit sharing system. between BMT and members in accordance with Islamic Sharia. One of them is through Mudharabah financing. Because they saw many Little Pengusa who had gone out of business. Whereas Small and Medium Enterprises have the potential for development in facing the Economic Crisis.

scholarly journals Peran Lembaga Keuangan Syariah Dalam Pemberdayaan Usaha Mikro Kecil dan Menengah (Studi Kasus Bank Syariah Mandiri Kantor Cabang Lumajang)

2021 ◽  
Vol 18 (3) ◽  
pp. 392-405
Author(s):  
Maryani Maryani ◽  
Zainal Abidin
Keyword(s):  
Financial Institutions ◽  
Small And Medium Enterprises ◽  
Profit Sharing ◽  
Business Development ◽  
Qualitative Approach ◽  
Research Use ◽  
Islamic Financial Institutions ◽  
Medium Enterprises

This study aims to describe the role of Islamic financial institutions in the empowerment of micro, small and medium enterprises. This research use desciptive qualitative approach. The results of this study indicate that BSM helps UMKM business progress through financing with competitive profit sharing and supports UMKM business development through programs, such as the blessing of Ramadan with very light profit sharing, year-end programs as well as light profit sharing and also finance the renovation of business premises, procurement merchandise, and procurement of tools and facilities and infrastructure for business.

scholarly journals Optimizing the Development of Rangicok Product Innovations in the Banjar Sub-district, Banjar City [Optimalisasi Pengembangan Inovasi Produk Rangicok di Kelurahan Banjar Kota Banjar]

2019 ◽  
Vol 2 ◽  
pp. 552
Author(s):  
Budi Harto ◽  
Waryani -
Keyword(s):  
Brand Management ◽  
Small And Medium Enterprises ◽  
Brand Awareness ◽  
The Public ◽  
Brand Recognition ◽  
National Market ◽  
Descriptive Approach ◽  
The Right ◽  
Medium Enterprises

Banjar City is one of the cities in West Java and was once a sub-district city part of Ciamis Regency, then upgraded its status to an administrative city. Since December 1, 2002, Banjar was designated as an autonomous city separate from Ciamis Regency. Brand Awareness of UMKM products as a basis for introducing a brand of a product. The right brand recognition strategy can facilitate consumers in choosing products that are widely circulating among the public and can deliver the business to enter the national market with distinctive characteristics inherent in the business. A brand can declare something about the value of the producer can even represent a particular culture. Brand usage shows the type of consumer who buys or uses the product. The purpose of this activity is to introduce the importance of a product brand in developing its micro, small and medium enterprises, especially Rangicok as a brand awareness strategy in introducing its business. The method used in this study is a qualitative and descriptive approach. The results of this study in introducing and developing the brand of business actors need to combine the role of brand management as an internal factor.

Peran Lembaga Pemberdayaan Ekonomi Mustahik Baznas Dalam Meningkatkan Kesejahteraan Ekonomi Mustahik

2021 ◽  
Vol 4 (2) ◽  
pp. 477-494
Author(s):  
Ali Idrus ◽  
Ade Maman
Keyword(s):  
Quality Of Life ◽  
Qualitative Research ◽  
Data Collection ◽  
Small And Medium Enterprises ◽  
Business Development ◽  
Economic Welfare ◽  
Descriptive Data ◽  
Medium Enterprises

One of the solutions proposed by Badan Amil Zakat Nasional is to form Lembaga Pemberdayaan Ekonomi Mustahik which has the task of improving the quality of life of mustahik through its programs. So, the purpose of this study is to find out how the role of Lembaga Pemberdayaan Ekonomi Mustahik Badan Amil Zakat Nasional in improving the economic welfare of mustahik. This study uses qualitative research methods that produce descriptive data. Where this research is based on observations made by the author and then explained according to what the author observed in the field. The data collection that the researchers did was using the method of observation, documentary interviews, and other data. When the data has been collected, the researcher conducts an analysis and then draws conclusions from the analysis. The results of this study are Lembaga Pemberdayaan Ekonomi Mustahik BAZNAS plays a role in the development of micro, small and medium enterprises (MSMEs) and focuses on potential creative businesses, empowers by providing business development capital assistance, in accordance with the budget draft proposed by mustahik, and approved by LPEM BAZNAS. Keywords: The Role of LPEM BAZNAS, Mustahik's Economic Welfare

Effects of cloud computing assimilation on supply chain financing risks of SMEs

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Qiang Lu ◽  
Jinliang Chen ◽  
Hua Song ◽  
Xiangyu Zhou
Keyword(s):  
Cloud Computing ◽  
Supply Chain ◽  
Small And Medium Enterprises ◽  
Supply Chain Integration ◽  
Content Type ◽  
Supply Chain Financing ◽  
Medium Enterprises ◽  
The Relationship ◽  
Moderating Role

Purpose The purpose of this study is to examine how cloud computing assimilation reduces supply chain financing (SCF) risks of small and medium enterprises (SMEs). This study also investigated the mediating roles of internal and external supply chain integration between cloud computing assimilation and the SCF risks of SMEs, as well as the moderating role of environmental competitiveness. Design/methodology/approach Data was collected from surveys of SMEs located in China. Multiple regression analysis was used to validate the proposed theoretical model and research hypotheses. Findings The findings show that cloud computing assimilation could reduce the SCF risks of SMEs directly. The results also indicate that both internal and external supply chain integration mediate the relationship between cloud computing assimilation and SCF risks. Furthermore, environmental competitiveness inhibits the effects of cloud computing assimilation on SCF risks. Originality/value To our best knowledge, this is the preliminary study to explore the role of cloud computing assimilation in reducing the SCF risks of SMEs. Also, this study attempted to investigate the process by which cloud computing assimilation affects the SCF risks of SMEs.

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