scholarly journals Gadai Emas Alternatif Tambahan Modal Usaha Mikro Kecil dan Menengah Pada Lembaga Keuangan Syariah

2015 ◽  
Vol 2 (8) ◽  
pp. 689
Author(s):  
Ninda Ardiani ◽  
Muhammad Nafik HR
Keyword(s):  
Financial Institutions ◽  
Small And Medium Enterprises ◽  
Capital Requirements ◽  
Working Capital ◽  
Fast Process ◽  
Short Term ◽  
Analysis Technique ◽  
Islamic Financial Institutions ◽  
Medium Enterprises

The method used is a qualitative approach with the strategy case study. The collection of data that is passed is the interview to the informant, the assistant pawn Islamic financial institutions and Micro, Small and Medium Enterprises customers pawn gold. The analysis technique used is the technique of pairing patterns with narrating the interviews with informants. Results from this study is the gold pawn Islamic financial institutions may be a reinforcement of capital Micro, Small and Medium Enterprises. The use of gold as a pledge of capital strengthening of capital Micro, Small and Medium Enterprises undertaken to meet short-term capital in the form of working capital. Requirements are simple and fast process makes this product desirable pengusha Micro, Small and Medium Enterprises. Using gold as a pledge of additional capital, the of capital Micro, Small and Medium Enterprises business grew and developing States.

scholarly journals Analisis Perkembangan Usaha Mikro, Kecil dan Menengah (Umkm) Sebelum dan Sesudah Memperoleh Pembiayaan dari Lembaga Keuangan Syariah

eCo-Buss ◽  
2020 ◽  
Vol 2 (2) ◽  
pp. 22-29
Author(s):  
Budi Rustandi Kartawinata ◽  
Candra Wijayangka ◽  
Hanansa R Dabinda ◽  
Salma Aprilia
Keyword(s):  
Financial Institutions ◽  
Comparative Research ◽  
Sampling Method ◽  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Significance Level ◽  
Analysis Technique ◽  
Before And After ◽  
Medium Enterprises

This research was conducted to determine the development of Micro, Small and Medium Enterprises (MSMEs) before and after obtaining financing from syariah financial institutions (case study: MSMEs around the Dayeuhkolot market). This study uses a quantitative method with a type of descriptive-comparative research. Sampling is done by non-probability sampling method type of proporsive sampling, with the number of respondents as many as 30 people. The data analysis technique is used descriptive analysis. Based on the results of testing the hypothesis significantly, the development of MSMEs around the Dayeuhkolot market experienced significant differences before and after obtaining financing from syariah financial institutions. This is evidenced by z count ≥ z table, namely for the dimension of sales turnover is 4.794 ≥ 2.042, the dimension of labor is 4.673 ≥ 2.042, and the customer dimension is 4.766 ≥ 2.042 with a significance level of 0.000 <0.05. Conclusion of this study, the development of MSMEs on the dimensions of sales turnover fall into the very good category, in the dimensions of labor included in the category quite well, and on the dimensions of the customer included in the fairly good category. Keywords: development of MSMEs, sales turnover, labor, customers, financing

The Potential of Sharia Fintech in Increasing Micro Small and Medium Enterprises (MSMEs) in The Digital Era in Indonesia

2021 ◽  
Vol 4 (1) ◽  
pp. 23
Author(s):  
Syarifuddin Syarifuddin ◽  
Rahmawati Muin ◽  
Akramunnas Akramunnas
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Technology Development ◽  
Small And Medium Enterprises ◽  
Easy Access ◽  
Muslim Country ◽  
Digital Era ◽  
Savings And Loan ◽  
Islamic Financial Institutions ◽  
Medium Enterprises

The potential for financial technology development or fintech with sharia basis in Indonesia is still quite large. Indonesia as the largest Muslim country in the world, becomes an undeniable potential. The purpose of this research is to know the potential of Fintech in increasing MSMEs in the digital era in Indonesia. This study uses document studies with a literature review approach. The results of this research show that. First, The patterns applied by sharia fintech in dealing with the problems faced by MSMEs in Indonesia include the ability to manage and analyze data in the era of big data, improve technology infrastructure, create transaction systems easily, content-based marketing in terms of digital marketing, establish cooperation, collaboration, and investment with relevant stakeholders, and innovation of fintech products. Second, The potential of Sharia Fintech in increasing MSMEs in the digital era in Indonesia, MSMEs have been using many applications and cooperating with banks and sharia Savings and Loan Cooperatives, so as to provide easy access to various types of bank financial services and savings and loan cooperatives, now financial institutions are able to reach all MSMEs to remote areas, Sharia Fintech has opened access to business financing more easily and quickly from banking institutions and other Islamic financial institutions.

scholarly journals What companies can learn from unicorn startups to overcome the COVID-19 crisis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Cristina Doritta Rodrigues ◽  
Matheus Eurico Soares de Noronha
Keyword(s):  
Business Models ◽  
Negative Impact ◽  
Small And Medium Enterprises ◽  
Content Type ◽  
Digital Platforms ◽  
Analysis Technique ◽  
Multiple Case ◽  
Medium Businesses ◽  
Medium Enterprises

Purpose This paper aims to search measures that unicorn startups have implemented during the pandemic and show what lessons can be learned to help entrepreneurs and small and medium businesses to overcome the crisis. Design/methodology/approach The method is a multiple case study with five unicorn startups. This study collected data through interviews and analyzed them by the content analysis technique. Findings The findings show that the pandemic affects negatively unicorns’ businesses; that a digital business model innovation affects them positively; and that innovations moderate positively the negative impact of the crisis. Research limitations/implications Most interviewees hold operational positions. Practical implications Three actions stand out to overcome the crisis: adoption of new digital platforms; strategies to increase the network of partners; and adaptations in the provision of payment services. Originality/value The cases show that entrepreneurs and small and medium enterprises need to develop capabilities to innovate in their business models, and digitalization is a solution to face the crisis and overcome it in the future.

scholarly journals THE EFFECT OF BUSINESS DEVELOPMENT AND TAXATION KNOWLEDGE ON TAXPAYER COMPLIANCE (MSME CASE STUDY IN JAKARTA)

2021 ◽  
Vol 5 (1) ◽  
pp. 51
Author(s):  
Saprudin Saprudin ◽  
Anton Zulkarnain Sianipar ◽  
Riyanto Wujarso
Keyword(s):  
Random Sampling ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Business Development ◽  
Analysis Technique ◽  
Data Collection Technique ◽  
Medium Enterprises

Penelitian ini bertujuan untuk mengetahui pengaruh perkembangan usaha dan pengetahuan perpajakan terhadap kepatuhan wajib pajak Usaha Mikro Kecil dan Menengah. Sehingga akan diperoleh informasi mengenai kepatuhan wajib pajak dalam menjalankan kewajibannya dilihat dari faktor perkembangan usaha dan pengetahuan perpajakan wajib pajak tersebut. Populasi dalam penelitian ini adalah pelaku Usaha Mikro Kecil dan Menengah yang ada di Jakarta. Teknik pengambilan sampel dalam penelitian ini menggunakan random sampling dan jumlah sampel yang diperoleh sebanyak 60 wajib pajak. Teknik pengumpulan data menggunakan kuesioner. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Hasil pada penelitian ini menunjukkan bahwa secara parsial perkembangan usaha berpengaruh terhadap kepatuhan wajib pajak dan pengetahuan perpajakan tidak beroengaruh terhadap kepatuhan wajib pajak. Namun secara simultan perkembangan usaha dan pengetahuan perpajakan berpengaruh terhadap kepatuhan wajib pajak. This study aims to determine the effect of business development and tax knowledge on taxpayer compliance of Micro, Small and Medium Enterprises. So that information will be obtained regarding taxpayer compliance in carrying out its obligations seen from the business development factors and tax knowledge of the taxpayer. The population in this study were the actors of Micro, Small and Medium Enterprises in Jakarta. The sampling technique in this study used random sampling and the number of samples obtained was 60 taxpayers. The data collection technique used a questionnaire. The data analysis technique used in this study is multiple linear regression analysis. The results of this study indicate that partially business development has an effect on taxpayer compliance and knowledge of taxation has no effect on taxpayer compliance. However, simultaneously, business development and tax knowledge affect taxpayer compliance.

Working Capital Optimization for R&D Activities in SMEs for Indian Suppliers

2017 ◽  
pp. 161-191
Author(s):  
Manoj Kumar
Keyword(s):  
Small And Medium Enterprises ◽  
Banking System ◽  
Probit Model ◽  
Capital Requirements ◽  
Financial Resources ◽  
Intangible Capital ◽  
Weak Effect ◽  
Working Capital ◽  
Indian Banks ◽  
Medium Enterprises

In recent years, numerous scholars have highlighted how working capital optimization to investments in intangible capital might have a significant impact upon the pace of technological change, particularly for economies characterized by a distribution of supplier size heavily skewed towards small and medium enterprises. In this paper, we investigate the issue of working capital optimization to innovation in SMEs in India with respect to the future changes in the banking system. Our empirical analysis is twofold: first, we implement a probit model in order to observe if the indicators of R&D intensity still exert some significant impact on the probability of being denied (or not) additional credit. After deriving these results, which in general suggest a weak effect of the variables accounting for R&D intensity on the probability of a supplier declaring the need of additional financial resources, we perform a simulation on the potential impacts of the adoption of the capital requirements by Indian banks on lending conditions to small and medium enterprises innovation.

scholarly journals Effect of Current Asset Turnover Rate, Working Capital Turnover, Liquidity, Company Size, Cooperative Growth on Profitability

2018 ◽  
pp. 158
Author(s):  
I Komang Tirta Arimbawa ◽  
Dewa Nyoman Badera
Keyword(s):  
Firm Size ◽  
Turnover Rate ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Working Capital ◽  
Analysis Technique ◽  
Current Asset ◽  
Asset Turnover ◽  
Medium Enterprises

Cooperatives in Indonesia have important cooperative roles and benefits, because cooperatives can open the gates of Small and Medium Enterprises (SMEs) for the community, create an independent community, as a driver of the economy and create new jobs. Nevertheless, there are some problems in cooperatives, such as low human resources, difficulty in obtaining access to capital, and unprofessional management of cooperatives so that there are still many cooperatives that can not compete with other types of businesses and eventually become bankrupt. This can be bad because the cooperative is one of the pillars of the Indonesian economy. This study aims to empirically examine the influence of current asset turnover, working capital turnover,liquidity, firm size and cooperative growthability on profitability. This research was conducted on cooperative all-round business in Klungkung Regency in 2013-2015. Samples taken as many as 21 cooperative in 2013-2015, determined by purposive sampling method. Data was collected using documentation method. Analysis technique used is the Multiple Linear Regression Analysis. Based on the analysis results concluded that the current asset turnover rate, firm size and growth of cooperatives have a positive and significant impact on profitability, which means an increase in the current asset turnover, firm size and cooperative growth will also increase profitability. Meanwhile, working capital turnover and liquidity have a negative and significant effect on profitability, where the increase in working capital turnover and liquidity will decrease profitability. Keywords:   Current   Asset  Turnover,  Working  Capital,  Liquidity,  Firm  Size, Cooperative Growth,  Profitability

scholarly journals ANALISIS RASIO PERMODALAN BMT AL IQ-TISHODY MATARAM

2020 ◽  
Vol 5 (1) ◽  
Author(s):  
Menik Aryani
Keyword(s):  
Small Business ◽  
Financial Performance ◽  
Financial Institutions ◽  
Small And Medium Enterprises ◽  
Supervisory Board ◽  
Financial Statements ◽  
Cooperative Management ◽  
Islamic Financial Institutions ◽  
Medium Enterprises ◽  
Ministerial Decree

This study is entitled "Capital Analysis Ratio of BMT Al Iq-Tishody Mataram" The purpose of this study is to determine the level of sharia health and compliance in the AL-Iqtishody Mataram BMT 2019 on aspects of capital based on cooperative classification standards according to the cooperative ministerial decree and small business and intermediate number 07 / Per / Dep.6 / IV / 2016. Analyze cooperative financial statements based on the Decree of the Minister of Cooperatives and Small and Medium Enterprises Number 07 / Per / Dep.6 / IV / 2016, Evaluate the financial performance of cooperatives. This study uses 1 type of assessment of health aspects and components in the form of: Capital. The assessment will find out how healthy Al Iq-tishody BMT is in terms of finance, and how obedient in predetermined sharia principles. From these calculations the BMT Al Iq-tishody was classified as "Fairly Healthy" Cooperative. This is because it has an unfavorable value because BMT AL-Iqtishody does not yet have a sharia supervisory board, does not yet have equity participation and financing originating from Islamic financial institutions and also cooperative management does not yet have an educational certificate for management of Islamic financial institutions issued by competent parties. Keywords: Capital, Sharia Health and Sharia compliance

scholarly journals THE INFLUENCE OF GUARANTEE VALUE, BUSINESS TURNOVER, BUSINESS AGE AND PROVISION OF ACCOUNTING INFORMATION ON FORMAL CREDIT ACCESS TO SMEs IN BANYUMAS DISTRICT

2021 ◽  
Vol 1 (2) ◽  
pp. 55-68
Author(s):  
Alfiandita Rizka Meivita ◽  
Yusriyati Nur Farida
Keyword(s):  
Financial Institutions ◽  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Sampling Technique ◽  
Information Provision ◽  
Significant Positive Effect ◽  
Credit Access ◽  
Analysis Technique ◽  
Medium Enterprises ◽  
Positive Effect

One of the main problems faced by Small and Medium Enterprises (SMEs) is capital. The limited capital owned by SMEs encouraged them to obtain loans by accessing credit from financial institutions. However, not all SMEs can access credit from financial institutions because before giving credit the creditor needs to gain confidence that the prospective debtor is able to repay his credit based on 5C credit principles (character, capacity, capital, condition of economy, collateral). This study aims to determine the effect of collateral value, business turnover, business age and provision of accounting information on accessibility of formal credit. The type of research used is survey research. The population in this study are all SMEs engaged in the trade sector in Banyumas Regency. The sampling technique used is proportionate stratified sampling with a sample of 100 respondents. Data collection techniques in this study used survey techniques by distributing questionnaires to respondents. The data analysis technique in this study used multiple regression analysis assisted by SPSS software. The results of this study indicate that: (1) collateral value has a significant positive effect on access to formal credit, (2) business turnover has a significant positive effect on access to formal credit, (3) business age has no significant influence on access to formal credit, (4) information provision accounting has a significant positive effect on access to formal credit. Adjusted R Square testing results show that the effect of collateral value, business turnover, business age, and provision of accounting information on access to formal credit is 54.7% while 45.3% can be explained by other variables not examined. The implication of this research is to be able to increase access to formal credit, SMEs need to (1) own assets that can be used as collateral where the value must be greater than the amount of credit proposed, (2) improve their ability to manage businesses to obtain optimal business turnover, (3) strive to improve the provision of accounting information appropriately so that it can facilitate financial institutions to assess actual business conditions

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