scholarly journals SECURITIES CROWDFUNDING : TRANSFORMASI PEMBIAYAAN USAHA KECIL DAN MENENGAH DI INDONESIA

AdBispreneur ◽  
2021 ◽  
Vol 6 (2) ◽  
pp. 163
Author(s):  
Suryanto Suryanto
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Secondary Data ◽  
Qualitative Approach ◽  
The Other ◽  
Primary Data ◽  
Digital Platform ◽  
Medium Enterprise ◽  
The Government ◽  
Descriptive Method

 ABSTRACTThis study aims to analyze the transformation of small and medium enterprise (SMEs) financing in Indonesia. This research is motivated by the phenomenon of SMEs, which often face problems in financing. However, on the other hand, financial institutions find it difficult to find a database of SMEs to channel their loans. This study uses a descriptive method with a qualitative approach. Sources of data were obtained from various sources, both primary and secondary. Primary data is obtained from statements made by informants from the Financial Services Authority, the Association of Indonesian Crowdfunding Services, crowdfunding players, and SMEs that have taken advantage of crowdfunding. Meanwhile, secondary data were obtained from several published articles. The results show that the government has helped provide a source of financing for SMEs, both through banking and non-banking. However, there were several obstacles that occurred in the field, both from SMEs and financial institutions. Securities crowdfunding instruments raises new hopes for SMEs in fulfilling financing. In addition to an easy submission procedure, access can also be done via a digital platform. Penelitian ini bertujuan untuk menganalisis transformasi pembiayaan Usaha Kecil dan Menengah (UKM) di Indonesia. Penelitian ini dilatarbelakangi oleh fenomena UKM yang sering menghadapi permasalahan dalam pembiayaan. Namun, disisi lain lembaga pembiayaan kesulitan mencari database UKM untuk menyalurkan kreditnya. Penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif. Sumber data diperoleh dari berbagai sumber baik primer maupun sekunder. Data primer diperoleh dari pernyataan yang diungkapkan oleh informan dari Otoritas Jasa Keuangan, Asosiasi Layanan Urun Dana Indonesia, pelaku crowdfunding, dan UKM yang telah memanfaatkan crowdfunding. Sedangkan data sekunder diperoleh dari beberapa artikel yang telah diterbitkan. Hasil penelitian menunjukkan bahwa pemerintah telah membantu menyediakan sumber pembiayaan UKM baik melalui perbankan maupun non perbankan. Namun ada beberapa kendala yang terjadi di lapangan baik dari pelaku UKM maupun lembaga pembiayaan. Instrumen securities crowdfunding memunculkan harapan baru bagi pelaku UKM dalam memenuhi pembiayaan. Selain prosedur pengajuan yang mudah, aksesnya pun dapat dilakukan melalui platform digital.

Enhancing Innovation Adoption to Boost SMEs Performance

2020 ◽  
Vol 11 (1) ◽  
pp. 1-20 ◽  
Author(s):  
Neeta Baporikar ◽  
Sigried Shikokola
Keyword(s):  
Economic Growth ◽  
Sampling Method ◽  
Innovation Adoption ◽  
Qualitative Approach ◽  
The Other ◽  
Primary Data ◽  
Major Influence ◽  
Positive Performance ◽  
Strategic Measures ◽  
The Government

SMEs contribute to economic growth, employment and thereby reduce poverty. Hence, they are considered as an engine of growth, especially in the developing countries like Namibia. The other reason is they aid promotion of entrepreneurship, innovative activities enhance competition, productivity and economic growth. Adopting a qualitative approach, this study investigated the influence of innovation on SME performance and how enhancing innovation adoption will boost SMEs performance in the Khomas Region, Namibia. Primary data was collected through open and closed-ended questionnaire, distributed to 20 SME owners by means of purposive sampling method and content analysis done. Findings reflect that innovation is an important element of every organization as it had major influence on performance. Besides, innovative enterprises showed better growth. The recommendations include that the Government of Namibia consider strong financial and mentor-ship support through strategic measures, like business incubators so as to augment and sustain SMEs positive performance.

MODERATING EFFECT OF ECONOMIC GROWTH ON FINANCIAL PERFORMANCE OF MERGED INSTITUTIONS

2017 ◽  
Vol 1 (1) ◽  
pp. 38
Author(s):  
Dr. Agnes Ogada ◽  
Dr. George Achoki ◽  
Dr. Amos Njuguna
Keyword(s):  
Economic Growth ◽  
Financial Performance ◽  
Financial Services ◽  
Panel Data Analysis ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Moderating Effect ◽  
Primary Data ◽  
The Government ◽  
To Come

Purpose: The purpose of the study was to determine the moderating effect of economic growth on financial performance of merged institutions Methodology: The study adopted a mixed methodology research design. The study population included all the 51 merged financial service institutions in Kenya. Purposive sampling was used. Primary data was obtained from questionnaires and a secondary data collection template was also used. The researcher used quantitative techniques in analyzing the data. Descriptive analysis for the study included the use of means, frequencies and percentages.  Inferential statistics such as correlation analysis was also used. Panel data analysis was also applied. Further, a pre and post merger analysis was used.Results: There was a significant relationship between the moderating effect of economic growth and financial performance of merged institutions.Unique contribution to theory, practice and policy: The government and Central Bank of Kenya to come up with strategies and policies to protect the financial services sector due to its immense contribution to the economy of the country by formulating policies aimed at controlling the effects of rapid fluctuations of the macro economic factors and their effects on the sector.

scholarly journals RELEVANSI YURIDIS MEDIASI PENAL DALAM PENYELESAIAN TINDAK PIDANA PADA MASYARAKAT SUKU SAMIN

2017 ◽  
Vol 1 (1) ◽  
pp. 18-38
Author(s):  
Winarsih Winarsih ◽  
Cahya Wulandari
Keyword(s):  
Deviant Behavior ◽  
Secondary Data ◽  
Criminal Code ◽  
Criminal Court ◽  
Qualitative Approach ◽  
The Other ◽  
Criminal Offenses ◽  
Secondary Data Sources ◽  
The Government ◽  
Different Characteristics

Masyarakat Suku Samin merupakan masyarakat adat yang mempunyai perilaku menyimpang dari tradisi masyarakat lain di Indonesia, seperti membangkang dan tidak patuh terhadap pemerintah. Keyakinan orang Samin dalam menjalani kehidupannya yang masih berpegang teguh terhadap nilai dan budaya mengakibatkan Suku Samin mempunyai karateristik yang berbeda dengan yang lain, termasuk dalam tata cara penyelesaian tindak pidana yang tidak menggunakan jalur pengadilan. Penelitian ini bertujuan: Pertama, menggambarkan mediasi penal yang selama ini dijalankan oleh masyarakat Suku Samin. Kedua, mendeskripsikan relevansi yuridis mediasi penal yang dilakukan oleh masyarakat Suku Samin. Metode yang digunakan dalam penelitian ini adalah yuridis sosiologis dengan pendekatan kualitatif serta sumber data primer dan sekunder. Sedangkan dalam menganalisis data penulis menggunakan teknik triangulasi yang digunakan untuk membandingkan hasil wawancara dengan isi suatu dokumen yang berkaitan dengan penelitian. Hasil penelitian pertama, mediasi penal selama ini dijalankan oleh masyarakat Desa Klopoduwur terhadap semua jenis tindak pidana, baik tindak pidana yang terjadi di intern Suku Samin, maupun tindak pidana yang dilakukan oleh masyarakat pada umumnya dengan tata cara yang berbeda. Kedua, berdasar Pasal 42 ayat (2) dan ayat (3) RKUHAP (Rancangan Kitab Undang-Undang Hukum Acara Pidana) mediasi penal yang dilakukan dapat diakui akan tetapi hanya untuk beberapa tindak pidana seperti tercantum dalam Pasal 42 ayat (3) RKUHAP. Dalam RKUHP (Rancangan Kitab Undang-Undang Hukum Pidana) mediasi penal yang dilakukan di Desa Klopoduwur dapat dikualifikasikan dalam Pasal 145 jo Pasal 146 RKUHP.Tribal community of Samin are an indigenous community who have deviant behavior of the tradition from the other communities in Indonesia, such as insubordination and disobeying toward the government. Samin belief in living life that still cling to the values and culture resulted in Samin tribe has different characteristics with the others, including the procedures for the settlement of criminal offenses that do not use the courts procedures. This research aims to: The first, to describe the penal mediation used in Samin tribe. The second, to describe the relevance of the juridical-penal mediation conducted by Samin tribe. The method used in this research is juridical sociological with a qualitative approach as well as primary and secondary data sources. Meanwhile the authors analyzed data using triangulation techniques which used to compare the results of interviews with the contents of a document relating to this research. The results from this reseach are: the first penal mediation has been used by the community of Klopoduwur for all types of crime, both offenses occurred in internal Samin tribe, as well as criminal acts committed by the society in a manner that is different. The second, under article 42 paragraph (2) and (3) RKUHAP (Draft of Criminal Court Procedure) penal mediation conducted can be recognized but only to some of criminal offenses as listed in article 42 paragraph (3) RKUHAP. In RKUHP (Draft of Criminal Code) penal mediation conducted can be qualified at article 145 in conjunction with article 146 RKUHP.

scholarly journals PEMBIAYAAN MURABAHAH BERMASALAH

2019 ◽  
Vol 7 (1) ◽  
Author(s):  
Suryanto Suryanto ◽  
Ratna Meisa Dai ◽  
Evi Nursetyani
Keyword(s):  
Balance Sheet ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Literature Study ◽  
Internal Factors ◽  
Balance Sheets ◽  
Side Stream ◽  
Financing Problem ◽  
Descriptive Method

This study aims to determine murabahah financing problem and how to handle it. The method used in this research using the descriptive method with the qualitative approach. Primary data sources were obtained using interviews and field observations. Secondary data were obtained through literature study related to murabahah problem and documentation study. The result of research indicates that murabahah financing in BPRS always related to wakalah contract. Wakalah is a contract between two parties in which one party submits, delegates, represents an affair to another party and the other undertakes the mandate at the request of the representative party. The cause of murabahah financing is problematic due to several factors, namely external and internal factors of the bank. External factors of the bank that comes from customers such as: losing in business competition, the business is run relatively new, side stream use of funds, the death of the key person, divorce key person, sick family members, and the character of customers who are not good. While the internal factors due to errors in conducting the analysis and weak aspects of supervision and monitoring. Handling of non-performing financing is done through collection activities, rescue activities (revitalization), settlement of guarantee activities and write off. Billing activities are done by contacting or visiting customers intensively, giving warning letters. Rescue of troubled financing is done by revitalizing rescheduling and restructuring. While write-off is a write-off of financing that is congested from on-balance sheets and recorded on the off-balance sheet. Keywords: murabahah, problem financing, sharia bank

scholarly journals Peluang Pelaksanaan Manajemen Kolaboratif dalam Pengembangan Kawasan Situs Kota Cina sebagai Potensi Pariwisata di Kota Medan

PERSPEKTIF ◽  
2020 ◽  
Vol 9 (2) ◽  
pp. 149-167
Author(s):  
Biliater Situngkir ◽  
Zulkifli Lubis ◽  
Abdul Kadir
Keyword(s):  
Secondary Data ◽  
Research Problem ◽  
Qualitative Approach ◽  
Primary Data ◽  
Collaborative Management ◽  
Chinese City ◽  
Tourism Sector ◽  
The Government ◽  
Tourism Potential ◽  
The City

The development of the Chinese city site area as a tourism potential in the city of Medan is very important considering the city of Medan does not yet have natural tourism objects that are well managed. The type of study used in this research is descriptive with a qualitative approach where research is carried out to create a tourism development using the Collaborative Management (Co-Management) method. To obtain data and to deepen the implementation of collaborative management, in-depth interviews were conducted with key informants and questionnaires so that the data needed in this study was complete. Data obtained in the field, both secondary data and primary data will be compiled, presented and analyzed with a qualitative approach in the form of exposure which will then be analyzed in accordance with the research problem undertaken. The results of research conducted show that the community has been involved in the development of tourism in the Chinese city site area. But the community is still walking alone in the development of tourism. With the concept of collaborative management, it will certainly be in developing tourism that is more focused and more targeted as desired. From this research it can be concluded that the area of the Chinese city site has a huge opportunity to be developed into the tourism sector that can provide benefits for both the government, the community and the parties involved in developing tourism.

scholarly journals A Reflection on the Implementation of Second National Fadama Development Project in Kaduna and Katsina States of Nigeria

2015 ◽  
Vol 1 (2) ◽  
pp. 97
Author(s):  
Adam Adem Anyebe ◽  
Ibrahim Kurfi Mudi
Keyword(s):  
Development Strategy ◽  
Significant Relationship ◽  
Financial Services ◽  
Poverty Reduction ◽  
Secondary Data ◽  
Development Project ◽  
Primary Data ◽  
Effective Implementation ◽  
The Government ◽  
Selection Of

This study attempts to reflect on the implementation of the Second National Fadama Project in Kaduna and Katsina states of Nigeria with a view to assessing whether the project implementation has been effective in reducing poverty among the participating communities. It was therefore, hypothesized that there is no significant relationship between the Community-Driven Development Strategy and effective implementation of Fadama II project in the area of access to rural financial services and poverty reduction in the host communities. The primary data were obtained through the use of questionnaire and personal interview while secondary data were sourced from books, journals, unpublished materials and internet. The study showed that there is a significant relationship between Community-Driven Development and effective implementation of the project in the host communities. The research recommended that to enhance the success of future projects, the government should not interfere with the activities of such projects, especially in the selection of members of such associations and government should provide loan facilities to the beneficiaries in order to boost their assets acquisition capacity.

scholarly journals Perlindungan Hukum Terhadap Nasabah Perbankan Pengguna CRM (Cash Recycling Machine)

2019 ◽  
Vol 8 (3) ◽  
pp. 286
Author(s):  
Hari Sutra Disemadi ◽  
Paramita Prananingtyas
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Banking Sector ◽  
Legal Protection ◽  
Secondary Data ◽  
The Other ◽  
Primary Data ◽  
Strategic Role ◽  
Approach Method ◽  
User Protection

Banks are financial institutions that play a strategic role to advance the economy of a country. Indeed, in its development, the banking sector plays a very important role in the economy of a country. The role can be seen with the banking innovation developing Cash Recycling Machine (CRM). CRM is one of the banking products that can facilitate customers in conducting financial transaction activities, for example, the money withdrawal transactions and depositing money without having to go through a teller at the bank. However, on the other hand, customers as users of CRM products can suffer losses due to CRM damage. This article aims to describe and explain the protection of customers as CRM users, as well as the bank's responsibility for losses suffered by customers due to CRM damage. The empirical juridical approach method was used in this study because this study emphasized the facts obtained from the results of the study, the research specifications used were descriptive-analytical. This study uses data collection techniques based on primary data and secondary data. The results of the study show that CRM user protection is preventive legal protection and repressive protection. Preventive legal protection is carried out through Act Number 10 the year 1998 about Banking and Act Number 8 the year 1999 about Consumer Protection. While repressive legal protection is carried out by banks in the form of responsibility for losses suffered by CRM users. Bank merupakan lembaga keuangan yang berperan strategis untuk memajukan perekonomian suatu negara. Sejatinya, dalam perkembangannya sektor perbankan memainkan peranan yang sagat penting dalam perekonomian suatu negara. Peranan tersebut dapat dilihat dengan adanya inovasi perbankan mengembangkan Cash Recycling Machine (CRM). CRM merupakan salah satu produk perbankan yang dapat mempermudah nasabah dalam melakukan aktivitas transaksi keuangan, contohnya adalah transaksi penarikan uang dan penyetoran uang tanpa harus melalui teller di bank. Akan tetapi di sisi lain nasabah sebagai pengguna produk CRM dapat mengalami kerugian akibat kerusakan CRM. Artikel ini memiliki tujuan mendeskripsikan dan menjelaskan perlindungan nasabah sebagai pengguna CRM, serta tanggung jawab pihak bank terhadap kerugian yang diderita nasabah akibat kerusakan CRM. Metode pendekatan yuridis empiris digunakan dalam penelitian ini, karena penelitian ini menekankan pada fakta-fakta yang diperoleh dari hasil penelitian, spesifikasi penelitian yang digunakan adalah deskriptif analitis. Penelitian ini menggunakan teknik pengumpulan data didasarkan pada data primer dan data sekunder. Hasil penelitian menunjukkan bahwa perlindungan nasabah pengguna CRM adalah perlindungan hukum preventif dan perlindungan represif. Perlindungan hukum preventif dilaksanakan melalui Undang-Undang Nomor 10 tahun 1998 tentang Perbankan dan Undang-Undang Nomor 8 tahun 1999 tentang Perlindungan Konsumen. Sedangkan perlindungan hukum secara represif dilakukan oleh pihak perbankan berupa pertanggungjawaban atas kerugian yang dialami oleh nasabah pengguna CRM.

scholarly journals Strengthening communities’ disaster resilience during COVID-19 time: A case of Muhammadiyah in Indonesia

Simulacra ◽  
2021 ◽  
Vol 4 (2) ◽  
pp. 229-245
Author(s):  
Umi Qodarsasi ◽  
Riza Nuzulul Huda ◽  
Umaroh Anisa Zuma
Keyword(s):  
Secondary Data ◽  
Strategic Decision ◽  
Primary Data ◽  
Disaster Resilience ◽  
Literature Study ◽  
Curative Action ◽  
The Government ◽  
Depth Interviews ◽  
Descriptive Method ◽  
Command Center

Since the early of March 2020, COVID-19 pandemic which broke out in Indonesia, had a significant impact on various aspects of life. The pandemic not only has pushed the government to take a strategic decision but also has forced the communities to accommodate this condition immediately. Muhammadiyah is one of Indonesia’s largest religious organizations has played its role to overcome COVID-19 pandemic alongside with the government. This study aims to determine the contribution of Muhammadiyah to tackle the pandemic by strengthening the disaster resilience community. The study uses a qualitative approach and a descriptive method. The primary data were obtained by in-depth interviews with Muhammadiyah organization leaders and several working teams handling the pandemic. Literature study was conducted as the secondary data. To tackle the pandemic by strengthening communities’ disaster resilience, Muhammadiyah carried out several programs, including (1) strengthening da’wah networks massively to enhance the community awareness about COVID-19 pandemic, (2) establishing several working teams handling the pandemic to enhance disaster resilience communities, including Muhammadiyah COVID-19 Command Center (MCCC), Muhammadiyah Disaster Management Center (MDMC), and philanthropic body of Muhammadiyah (LazisMu), and (3) Muhammadiyah engagement with stakeholders and development agency, such as the collaboration with the Ministry of Health, BNPB, DFAT and USAID to COVID-19 preventive and curative action.

scholarly journals MENGUJI KEWENANGAN DEWAN PENGAWAS KOMISI PEMBERANTASAN KORUPSI DALAM PEMBERIAN IZIN PENGGELEDAHAN SEBAGAI TINDAKAN MERINTANGI PROSES PENYIDIKAN (OBSTRUCTION OF JUSTICE)

Esensi Hukum ◽  
2020 ◽  
Vol 2 (2) ◽  
pp. 48-63
Author(s):  
Arman Tjoneng ◽  
Christin Septina Basani ◽  
Novalita Sidabutar
Keyword(s):  
Research Method ◽  
Supervisory Board ◽  
Secondary Data ◽  
Criminal Code ◽  
The Other ◽  
Primary Data ◽  
Literature Study ◽  
Legal Research ◽  
The Public ◽  
The Government

Abstract The Corruption Eradication Commission (KPK) has become a super institution with extraordinary restraint. With the new Corruption Eradication Commission Law, some people think that the KPK has been weakened, which has been an institution loved by the public, even though the government denies that the new KPK Law has not weakened the KPK at all. One of the new things is the formation of the KPK Supervisory Body, one of which has the authority to grant permission to the KPK to conduct searches, which in fact has an impact on the problems at hand. The method used is a normative legal research method. The approach used is a statutory approach. The data used are secondary data obtained by literature study and primary data obtained by conducting interviews with related party respondents. There has been a shift in the meaning of Barriers to Justice as stated in Article 221 of the Criminal Code with Article 221 of the Corruption Eradication Law where Article 221 of the Criminal Code views Obstruction of Justice as a material offense while for Article 21 of the Corruption Eradication Law, Judicial Obstruction is seen as a formal offense. On the other hand, the actions of the Supervisory Board in granting licenses for searches, confiscation, etc. are not automatically considered a disturbance of justice unless it can be proven that the elements of wrongdoing committed by the Supervisory Board can be proven.   Keywords : Corruption, Authority, Obstruction Of Justice.   ABSTRAK Komisi Pemberantasan Korupsi (KPK) telah menjadi lembaga super dengan pengekangan yang luar biasa. Dengan adanya Undang-Undang KPK yang baru, sebagian orang menilai telah terjadi pelemahan KPK yang selama ini menjadi institusi yang dicintai masyarakat, padahal pemerintah membantah bahwa Undang-Undang KPK yang baru sama sekali tidak melemahkan KPK. Salah satu hal baru yaitu adalah pembentukan Badan Pengawas KPK yang salah satunya memiliki kewenangan untuk memberikan izin kepada KPK untuk melakukan penggeledahan, yang ternyata berdampak pada permasalahan yang sedang dihadapi. Metode yang digunakan adalah metode penelitian hukum normatif. Pendekatan yang digunakan adalah pendekatan statutori. Data yang digunakan adalah data sekunder yang diperoleh dengan studi pustaka dan data primer diperoleh dengan melakukan wawancara dengan responden pihak terkait. Telah terjadi pergeseran makna Hambatan Keadilan sebagaimana tertuang dalam Pasal 221 KUHP dengan Pasal 221 Undang-Undang Pemberantasan Korupsi dimana Pasal 221 KUHP memandang Obstruksi Keadilan sebagai delik material sedangkan untuk Pasal 21 Undang-Undang Pemberantasan Korupsi, Obstruksi Peradilan dipandang sebagai delik formal. Di sisi lain, tindakan Dewan Pengawas dalam pemberian izin penggeledahan, penyitaan, dan lain-lain tidak serta merta dianggap sebagai gangguan keadilan kecuali dapat dibuktikan bahwa unsur-unsur perbuatan salah yang dilakukan Dewan Pengawas dapat dibuktikan. Kata Kunci: Korupsi, Otoritas, Obstruksi Keadilan.

scholarly journals DAMPAK PENGGUNAAN PAJAK ROKOK DAN INTERCEPT DAU TERHADAP DEFISIT DJS KESEHATAN

2019 ◽  
Vol 1 (2) ◽  
pp. 143
Author(s):  
Niar Afdhal Luthfi
Keyword(s):  
Secondary Data ◽  
The Other ◽  
Regional Government ◽  
Regional Health ◽  
Health Security ◽  
Social Security Fund ◽  
Cigarette Tax ◽  
Security Fund ◽  
The Government ◽  
Descriptive Method

The deficit experienced by Health Social Security Fund (Dana Jaminan Sosial/DJS) Kesehatan encourages the Government to look forward to the alternative policies that are focused on efforts to strengthen DJS Kesehatan revenues and expenditure efficiency. In 2018, the Government implemented policies of the obligation to use the Cigarette Tax and General Allocation Fund (DAU) intercept (for local government who have National Health Security (JKN) arrears to cover the DJS Kesehatan deficit. The purpose of this study is to see the effectiveness of the obligation to use cigarette tax and DAU intercept in reducing the DJS Kesehatan deficit. The method used is a comparative descriptive method with a quantitative approach using secondary data and information from BPJS Kesehatan. From the analysis, we found that the policy of using cigarette tax and DAU intercept is not effective enough in overcoming the DJS Kesehatan deficit. The other impact is the potency to increase the number of Regional Health Security (Jamkesda) participants registered within the regional government and increase the compliance of regional governments in paying JKN contributions.

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