scholarly journals Analisis Efektivitas Pembiayaan Murabahah Terhadap Usaha Mikro Kecil dan Menengah Di Aceh Dalam Upaya Pengentasan Kemiskinan (Studi Pada PT. Bank Aceh Syariah Kantor Pusat Operasional)

2021 ◽  
Vol 2 (2) ◽  
pp. 66-80
Author(s):  
Zikrul Kamal ◽  
Akmal Riza
Keyword(s):  
Poverty Alleviation ◽  
Small And Medium Enterprises ◽  
Data Sources ◽  
Descriptive Approach ◽  
Medium Enterprises ◽  
The City ◽  
Banda Aceh

The problem of poverty in Aceh, with various factors, has made Aceh the poorest region in Sumatra in 2021. One of the efforts to overcome it is by developing the MSME sector. Therefore, the existence of financing at Bank Aceh Syariah is expected to be able to effectively overcome these problems. This study aims to determine the effectiveness of murabahah financing for Micro, Small, and Medium Enterprises in Aceh in poverty alleviation efforts, specifically for the City of Banda Aceh. The method used in this research is qualitative with a descriptive approach. The data sources used were primary and secondary with the techniques of observation, interviews, and documentation studies The results showed that the murabahah financing at PT. Bank Aceh Syariah Operational Headquarters for MSMEs is effective in poverty alleviation efforts, it can be seen that after receiving financing, MSMEs are able to increase income, develop businesses, and create jobs.

Model Pemberdayaan Usaha Mikro Dan Pengaruhnya Terhadap Kemandirian Usaha

2015 ◽  
Vol 2 (1) ◽  
pp. 75-93
Author(s):  
Mudasetia Hamid ◽  
Evy Rosalina Widyayanti
Keyword(s):  
Human Resources ◽  
Small And Medium Enterprises ◽  
Poverty Rate ◽  
Cultural Centers ◽  
Central Java ◽  
Tourism Education ◽  
The Indian Ocean ◽  
Medium Enterprises ◽  
The City

Yogyakarta is a city and the capital of Yogyakarta Special Region in Java, Indonesia. It is renowned as a center of tourism, education and culture. Yogyakarta is one of the foremost cultural centers of Java. This region is located at the foot of the active merapi vulcano. Yogyakarta is often called the main gateway to the Central Java as where it is geographically located. It stretches from Mount Merapi to the Indian Ocean. This province is one of the most densely populated areas of Indonesia. Yogyakarta is popular tourist destination in indonesia after Bali. These have attracted large number of visitors from across Indonesia and abroad to the city. This status makes Yogyakarta is one of the most heterogeneus cities in Indonesia. In edition, Yogyakarta has attracted large number of people to reside in this city for business. One of these comers is small entrepreneurs with their market munchies enterprise (specially a traditional snack trader). This business is one of famous business in Yogyakarta, we will find rows of pavement vendors selling market munchies. The students and tourists are their main target customers. Market munchies enterprise is part of small and medium enterprises SMEs as livelihood activities. SMEs has an important role in economic growth of Indonesia. Therefore, it is very important to develop and strengthen the micro enterprise empowerment. Micro enterprise empowerment is one of strategy to reduce the poverty rate in Indonesia. Major challenger in implement this program are that micro entrepreneurs are conventional and have satisfied with their revenue. It is very important to develop a comprehensive and sustainable micro enterprise empowerment which consist of strengthen the quality of human resources, maximize the government’s roles, empower the enterprise capital and strengthen the partnership and autonomous. Micro enterprise autonomy will contribute to the economic and investment climate. This will lead to establish an accountable enterprise both for the micro enterprise and customers which at the end will strengthen the development of the micro enterprise in Yogyakarta.Keyword: micro entreprise, human resources, government roles, capital, partnership and autonomous.

Incidence of Stakeholders in the corporate social responsibility of micro, small and medium-sized enterprises of Santa Marta

2018 ◽  
Vol 34 (62) ◽  
pp. 3-19
Author(s):  
Guillen León ◽  
Sergio Afcha
Keyword(s):  
Factor Analysis ◽  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Value Chain ◽  
Training Programs ◽  
Small And Medium Enterprises ◽  
Corporate Management ◽  
Medium Enterprises ◽  
Corporate Social ◽  
The City

This article analyses the perception and application of corporate social responsibility (CSR) practices in a sample of 499 micro, small and medium enterprises (MSMEs) in the city of Santa Marta (Colombia) following the theory of Stakeholders. Specifically, the interdependence technique of exploratory factor analysis was used to determine the most influential Stakeholders in the execution of CSR practices. It was found that Stakeholders related to the value chain, the environment and corporate management favour social responsibility actions in local MSMEs. In contrast, community and government have less influence on the development of social responsibility practices in MSMEs. Additionally, it was found that the size of the business acts as an important moderator of the development of the CSR. Given that there is a distinctive influence of Stakeholders in the development of responsible practices in the MSMEs of Santa Marta, it is suggested that comprehensive training programs on social responsibility be promoted in smaller companies.

HUBUNGAN ANTARA RASIO KREDIT BERMASALAH DENGAN RASIO PROFITABILITAS: Studi Empiris pada BPRse-Kota Tangerang Periode 2015

2017 ◽  
Vol 2 ◽  
pp. 179-186
Author(s):  
Yohan Henri Wibowo
Keyword(s):  
Empirical Evidence ◽  
Significant Relationship ◽  
Small And Medium Enterprises ◽  
Profit Margin ◽  
Financial Report ◽  
Secondary Sources ◽  
Normality Test ◽  
Net Profit ◽  
Medium Enterprises ◽  
The City

The aims of this study is to find empirical evidence, that there is a significant relationship between the Non Performing Loan Ratio is reflected in indicators of Non-Performing Loan (NPL) with a Profitability Ratio that is reflected in the indicators Net Profit Margin (NPM).The collecting of data method is secondary sources from Quarterly Financial Report Rural Banks (hereinafter referred to as BPR) as the city of Tangerang. The sample in this study is BPRin Kota Tangerang are categorized as Micro, Small and Medium Enterprises (hereinafter referred to as SMEs). The hypothesis was tested by normality test and linear regression, The results of the study are not found empirical evidence that there is a significant relationship between Non-Performing Loan Ratios were reflected in NPL with Ratio Profitability indicators are reflected in indicators of NPM.These results indicate that required the mediating factor, namely the Contractual Interest Income from Loans and Expenses of Assets Allowance (hereinafter referred PPAPWD) Keywords: Non-Performing Loan, Net Profit Margin

scholarly journals PENERAPAN INFORMASI AKUNTANSI PADA UMKM DI KECAMATAN SEKARBELA KOTA MATARAM

2018 ◽  
Vol 2 (2) ◽  
pp. 059-075
Author(s):  
Nailul Awalia ◽  
Ni Nyoman Yuliati ◽  
Agus Khazin Fauzi
Keyword(s):  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Survey Method ◽  
Records Management ◽  
Management Information ◽  
Average Analysis ◽  
Operational Information ◽  
Descriptive Approach ◽  
Medium Enterprises ◽  
Cost Report

This study aims to examine the understanding of SMEs actors on accounting information and to know empirically the application of information for small and medium enterprises (MSMEs) in Sekarbela Subdistrict. This research used descriptive approach by interview and survey method. Data collection was done by distributing questionnaires to respondents. The sample of this research is food business MSMEs in Sekarbela Sub district with total of 68 UMKM. However, from 68 MSME samples only 50 samples can be processed. The data is processed by using the frequency distribution then made the average analysis and proportion. The results showed that MSMEs in Sekarbela Subdistrict have applied accounting information although in a simple form. Accounting information most widely applied is the purchase record with the number of 27 respondents or 54% and cash records 28 respondents or 56%. Then MSMEs in Sekarbela Subdistrict have used accounting information, the most widely used is the type of goods sold based on profit or profit of each type of goods with the number of 28 respondents or 56%. Furthermore, MSME also need operational information record about the number of goods sold per day with the number of 31 respondents or 62% and types of goods sold per day with the number of 31 respondents or 62%, records management information that is the production cost report with the number of 32 respondents or 64% financial information is the amount of profit each day with the number 46 respondents or 92%

scholarly journals External Funding And The Development Of Small And Medium-Sized Businesses In The City Of Makassar (Indonesia): An Explanatory Quantitative Study

2020 ◽  
Vol 41 (49) ◽  
pp. 104-113
Author(s):  
Salmiyah THAHA ◽  
◽  
Chalid I. MUSA ◽  
Basril BADO ◽  
◽  
...  
Keyword(s):  
Data Collection ◽  
Quantitative Study ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Primary Data ◽  
Survey Method ◽  
External Funding ◽  
Medium Enterprises ◽  
The City ◽  
Small And Medium Business

Academics are interested in exploring small and medium business actors both from a macro perspective that examines external factors in developing small and medium business actors, as well as from a micro perspective on internal determinants that contribute to the performance for small and medium enterprises. The purpose of this study was to analyze the effect of entrepreneurial character on external funding and the development of small and medium business actors. This research is a quantitative study that explains the influence of exogenous variables on endogenous variables. Research location in the city of Makassar, South Sulawesi. The population in this study were 136 entrepreneurs who made loans to banks (State-owned enterprises) in the city of Makassar. The sampling of this study used the census sampling method (saturated sample). The data collection method uses a survey method with primary data collection in the form of a questionnaire. Data analysis techniques using structural equation modelling. The results showed that the entrepreneurial character variable had a significant effect on external funding and the development of small and medium business actors. Therefore, based on research findings, efforts to enhance the development of small and medium business actors in further research can develop further models.

Identifikasi Hambatan Penerapan Lean di Usaha Kecil dan Menengah (UKM)

2021 ◽  
Vol 4 (2) ◽  
pp. 107-124
Author(s):  
Mochammad Rifky Pamungkas ◽  
Erna Maulina ◽  
Margo Purnomo
Keyword(s):  
Structural Model ◽  
Small And Medium Enterprises ◽  
Future Research ◽  
Small Contribution ◽  
Lean Implementation ◽  
Study Approach ◽  
Management Commitment ◽  
Medium Enterprises ◽  
The City

Today's world competition has increased the pressure on Small and Medium Enterprises (SMEs) to adopt lean implementations. The purpose of this study is to make a small contribution by exploring the Lean Implementation Barrier (LIB) in SMEs through three case studies of SMEs in the city of Bandung. A case study approach is used and followed by the Interpretative Structural Model (ISM) in order to see the inter-LIB relationship. The results of this study indicate that lack of management commitment and leadership, lack of employee involvement and lack of resources are the main obstacles to lean implementation in SMEs in Indonesia. Moreover, poor communication among various levels within the company and inadequate dissemination of knowledge about the benefits of lean also create barriers to lean implementation. The implication of this research is to strengthen and expand information related to research on the application of lean in SMEs, especially the results of the identified barriers that can assist SMEs in implementing lean or future research in developing and identifying barriers to implementing lean in SMEs.

scholarly journals Analisis Penerapan Sistem Informasi Akuntansi Dan Kualitas Laporan Keuangan UMKM Dalam Mengembangkan Bisnis Di Kota Batam

2019 ◽  
Vol 4 (1) ◽  
pp. 123
Author(s):  
Syahril Effendi ◽  
Baru Harahap
Keyword(s):  
Information Systems ◽  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Business Development ◽  
City Government ◽  
Financial Reports ◽  
Accounting Information Systems ◽  
Medium Enterprises ◽  
The City

This research is motivated by the number of companies in Batam that closed and left Batam which caused many unemployment, so the role of MSMEs in Batam is now very much needed. The focus of this study is to determine the application of accounting information systems and the quality of MSME financial reports on business development in Batam City. This research was conducted at Micro, Small and Medium Enterprises (SMEs) in Batam City, Riau Islands Province. The subjects of this study are business people or MSME businesses that utilize revolving funds from the City Government (Pemko) of Batam, which are recorded at the Batam City Cooperative and MSME Office. The population in this study are business or MSME businesses that utilize revolving funds from the City Government (Pemko) of Batam as many as 2,105 businesses and by using the Slovin formula so that the sample becomes 96 MSMEs. All samples come from SMEs who run businesses in Batam City. Research shows that the application of accounting information systems has a significant effect on business development in Batam City, the quality of MSME financial reports has a significant effect on business development in Batam City, the application of accounting information systems and the quality of MSME financial reports simultaneously has a significant effect on business development in Batam City

scholarly journals Challenges and Opportunities of Building Resilient MSMEs in Zambia

2021 ◽  
Vol 04 (10) ◽  
Author(s):  
Billy Kaombe ◽  
Keyword(s):  
Research Study ◽  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Research Paper ◽  
Data Sources ◽  
Learning Abilities ◽  
Challenges And Opportunities ◽  
Secondary Data Sources ◽  
Medium Enterprises

This research paper addresses the challenges and opportunities in building resilient Micro, Small and Medium Enterprises (MSMEs) in Zambia. The paper also examines the different forms of resilience and there implications on organisational resilience. The findings indicates that challenges encountered by MSMEs in building resilient business organisations can be addressed in different ways including through the development and implementation of monitoring and response capabilities, learning abilities and anticipation. The research study relied on secondary data sources and was able to conclude that building resilient MSMEs was vital for the survival of these business organisations.

scholarly journals Perbandingan Kinerja Keuangan Koperasi Konvensional Dan Koperasi Syariah Di Kota Bandar Lampung

2018 ◽  
Vol 12 (1) ◽  
pp. 9
Author(s):  
Nurmala Nurmala ◽  
Damayanti Damayanti ◽  
Eksa Ridwansyah ◽  
Destia Pentiana
Keyword(s):  
Financial Performance ◽  
Small And Medium Enterprises ◽  
Financial Reports ◽  
Management Efficiency ◽  
Final Score ◽  
Medium Enterprises ◽  
Productive Assets ◽  
The City ◽  
Assets Management

There are 740 cooperatives registered in Bandar Lampung, but more than 50% are suspended. Of these, only a few are actively reporting their financial performance in the form of complete financial statements. Therefore the author assumes that it is important to analyze the comparison financial performance of conventional cooperative and of Islamic cooperatives in the city of Bandar Lampung. The overall financial performance of cooperatives is assessed based on the regulation of the State Minister for Cooperatives and Small and Medium Enterprises of  Republic of Indonesia Number: 14 / PER / M.KUKM / XII / 2009.  The assessment of cooperative health includes capital, quality of productive assets, management, efficiency, liquidity, independence and growth, and cooperative identity. To assess the financial performance of sharia cooperatives is based on the regulations of the Minister of Cooperatives and Small and Medium Enterprises No. 35.3 / Per / M.KUKM / X / 2007. In addition to cooperative health assessments covering capital, quality of productive assets, management, efficiency, liquidity, independence and growth, and identity of cooperatives, there is an assessment of compliance with Islamic principles. The objects in this study are cooperatives that actively reported their finances to the cooperative service in 2015 and 2016. There are 24 conventional and sharia cooperative financial reports analyzed. Based on the analysis, the financial performance of conventional cooperatives gets a final score of 67.15 while the sharia cooperative gets the final score amounting to 74.13. The value indicates that conventional cooperatives and Islamic cooperatives are equally healthy.  Nevertheless, it can be said that the financial performance of Islamic cooperatives is better than that of conventional cooperatives. 

scholarly journals Small and Medium Enterprises SMEs Role in Creating Employmentopportunities in Pakistan: A case Study of Sindh

2016 ◽  
Vol 11 (1) ◽  
pp. 2598-2614
Author(s):  
Muhammad Salih Memon ◽  
Muhammad Munir Ahmadani ◽  
Dr.Anwar Ali Shah G.Syed ◽  
Faiz M.Shaikh ◽  
Dr.Khalid Shaikh
Keyword(s):  
Resource Allocation ◽  
Poverty Alleviation ◽  
Large Scale ◽  
Small And Medium Enterprises ◽  
New Products ◽  
Entrepreneurial Culture ◽  
Self Help ◽  
Employment Sector ◽  
Medium Enterprises

This research investigates the role of  Small& Medium Enterprises in creating  Employment sector with reference to Sindh. Data were collected from 200 respondent from 40 organizations by using simple random technique.  A structural questionnaire was developed to get reliability of the Data.  Data were analyze by using SPSS-18 version. It was revealed that SMEs are the major source of foreign exchange earnings, SMEs have a major contribution in Pakistan’s GDP, A known feature of SME sector is its ability to create jobs, SMEs maintain the poverty alleviation activities through creating employment, SMEs assist in fostering a self-help and entrepreneurial culture,SMEs boost up an entrepreneurial strength which puts forward flexibility in the economy, SMEs are more capable in resource allocation as compared to large scale industries, SMEs in general consider employees as their most important resources, SMEs are pioneer in developing new products and services and finally SMEs are in general very quality minded in the products and services they provide.

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