scholarly journals Reynaldy Ama 130218268 B UAS PI

2021 ◽  
Author(s):  
reynaldy ama
Keyword(s):  
Digital Technology ◽  
Public Expenditure ◽  
Small And Medium Enterprises ◽  
Lower Class ◽  
Upper Class ◽  
Middle Segment ◽  
Bank Account ◽  
Income Groups ◽  
Bank Financing ◽  
Medium Enterprises

In terms of the contribution of public expenditure, it appears that the 20% group (upper class) reaches 45.49% of the total national consumption, the 40% group (middle class) contributes 36.78%, and the 40% group (lower class) only contributes 17%. Middle and upper income groups whose income is not disturbed tend to choose to save rather than spend their money, considering that no one knows when the Covid-19 pandemic will end and when the situation will return to normal. Deflation in July and August 2020 was triggered more by falling prices for a number of food, beverage and transportation groups, indicating the large demand in the midst of the Covid-19 pandemic. The decline in spending amid the Covid-19 pandemic is mainly triggered by the weakening of the purchasing power of the lower class and the tendency of the upper middle segment to withhold spending resulting in further pressure on the income of small and medium enterprises. Based on the results of the ADB survey, it can be seen that 61.1% of MSMEs in Indonesia reduced the number of workers in March 2020, 59.8% of MSMEs reduced workers in March 2020, and 59.8% of MSMEs reduced workers in April 2020.With a contribution of 61.1% to Gross Domestic Product, the recovery of the ultra-micro and MSME sectors is very urgent amidst the pressure of the Covid-19 pandemic. Ultra-micro financing based on digital technology is intended to accelerate penetration and financial inclusion, considering that ultra-micro business actors still have difficulty accessing bank financing due to various factors, such as not having a bank account

scholarly journals Medium, Small and Medium Enterprises and Digital Platforms

2021 ◽  
Author(s):  
nisrina hasna fadhilah
Keyword(s):  
Exchange Rate ◽  
Public Expenditure ◽  
Small And Medium Enterprises ◽  
Lower Class ◽  
Upper Class ◽  
Digital Platforms ◽  
Consumption Index ◽  
The Exchange Rate ◽  
Medium Enterprises ◽  
Agricultural Food

The decline in demand for food was correlated with a decrease in the exchange rate of agricultural food crops by 0.25% or to be 110.17. Likewise, there was a decrease in the exchange rate of horticultural agricultural products by 0.74%, or to be 99.77; including deflation in the Household Consumption Index of 0.13%. In terms of the contribution of public expenditure, it appears that the 20% group (upper class) reaches 45.49% of the total national consumption, the 40% group (middle class) contributes 36.78%, and the 40% group (lower class) only contributes 17%.

scholarly journals Medium, Small and Medium Enterprises and Digital Platforms

2021 ◽  
Author(s):  
Hana Dila S
Keyword(s):  
Small And Medium Enterprises ◽  
Lower Class ◽  
Upper Class ◽  
Food Crops ◽  
Digital Platforms ◽  
Food And Beverage ◽  
The Republic ◽  
Medium Enterprises ◽  
National Consumption ◽  
Agricultural Food

In July 2020, the Indonesian economic situation face deflation of 0,1 % explained by the Central Bureau of Statistics of the Republic of Indonesia. Furthermore, the tobacco, food, and beverage sector also face the same situation with deflation of 0,79%, following 0.19% deflation in foodstuff. Deflation happened in demand for food related with the exchange rate of agricultural food crops decreased by 0,74 %. Based on the contribution of public expense, 40% group of lower- class contributes 17% of the entire national consumption, and also 40 % group of middle class contributes 36.78%, and 20 % group of upper class contributes 45.49 %.

scholarly journals Medium, Small and Medium Enterprises and Digital Platforms

2021 ◽  
Author(s):  
stevanie christabel
Keyword(s):  
Exchange Rate ◽  
Small And Medium Enterprises ◽  
Supply And Demand ◽  
Lower Class ◽  
Upper Class ◽  
Digital Platforms ◽  
Consumption Index ◽  
The Exchange Rate ◽  
Medium Enterprises ◽  
Agricultural Food

The Covid-19 pandemic has further eroded people's income and purchasing power. People’s savings are increasingly decreasing for consumption needs, especially for those who experienced termination of employment or were laid off, resulting in an increasingly depleted source of household funds. Deflation in July and August 2020 was triggered more by falling prices for a number of food, beverage and transportation groups, indicating the large demand in the midst of the Covid-19 pandemic. Trends in other countries show that there is a slowdown in inflation and deflation that is hitting supply and demand. The decline in demand for food was correlated with a decrease in the exchange rate of agricultural food crops by 0.25%, or to be 110.17. Likewise, there was a decrease in the exchange rate of horticultural agricultural products by 0.74%, or to be 99.77; including deflation in the Household Consumption Index of 0.13%. In terms of the contribution of public expenditure, it appears that the 20% group (upper class) reaches 45.49% of the total national consumption, the 40% group (middle class) contributes 36.78%, and the 40% group (lower class) only contributes 17%.

PELATIHAN DIGITAL BUSINESS BAGI CALON ENTREPRENEUR MUDA KOTA LHOKSEUMAWE DI MASA COVID-19

2021 ◽  
Vol 1 (1) ◽  
pp. 36
Author(s):  
Falahuddin Falahuddin ◽  
Fuadi Fuadi ◽  
Munandar Munandar ◽  
Devi Andriyani ◽  
Arliansyah Arliansyah
Keyword(s):  
Digital Technology ◽  
Positive Impact ◽  
Small And Medium Enterprises ◽  
Economic Potential ◽  
Business Rules ◽  
Business Plans ◽  
Doing Business ◽  
Points Of View ◽  
Medium Enterprises ◽  
Young Entrepreneurs

This service will provide an overview of entrepreneurship of small and medium enterprises using digital technology. From all points of view, be it motivation, business opportunities or ideas, as well as business rules according to sharia. During the current Covid-19 pandemic, it is very demanding for young people who already have business plans to adopt digital business tools more quickly to survive and develop in the new normal era. Therefore, prospective young entrepreneurs have great potential to be prepared to become excellent entrepreneurs, who will not only be economically independent, but will also develop regional economic potential which in turn will have a positive impact on the national economy. The purpose of this service is to overcome the problem of unemployment by the younger generation. The solutions we provide are in the form of training and providing motivation to develop and provide basic techniques for doing digital business, and do not forget to provide understanding to aspiring young entrepreneurs about doing business in an Islamic way as a form of development of the nation's.

scholarly journals Tugas PE (Stanley Ronaldi Tandio/130317110/C)

2019 ◽  
Author(s):  
Stanley Ronaldi Tandio
Keyword(s):  
Digital Technology ◽  
Online Shopping ◽  
Total Population ◽  
Small And Medium Enterprises ◽  
The Other ◽  
Primary Data ◽  
Internet Users ◽  
The One ◽  
Medium Enterprises ◽  
Average Expenditure

The current number of internet users in Indonesia has exceeded50% of the total population, with an average expenditure ofIDR 6.5 million per annum for online shopping. The value ofe-commerce has reached US$ 87.8 or 52% of the e-commercemarket in Southeast Asia. On the one hand, the development ofdigital lifestyle and digital technology-based industries has becomea necessity, but on the other hand, it will become “a serious threat”for traditional and conventional businesses as a result of changesin consumer shopping characteristics, that is, fast, practical, andinexpensive. Millennial generation is very familiar with digitaltechnology and becomes potential target to increase market share.This research is categorized as qualitative research with positiveparadigm. This research uses primary data and secondary datawith the focus on Micro Small and Medium Enterprises (MSMEs)and the behavior of consumers as internet (smartphone) users. Theresults show that there are still some problems with regulation,collaboration, and infrastructure that need to be addressed so asnot to hamper the growth of the digital economy and the stabilityof the financial system in Indonesia.

scholarly journals Efforts to Improve MSME Commodity Marketing in Tasikmalaya Regency during the Covid-19 Pandemic through Training and Mentoring Programs

2021 ◽  
Vol 2 (1) ◽  
pp. 38-43
Author(s):  
Mohamad Arief Setiawan ◽  
Kalfin Kalfin ◽  
Perdi Setiawan
Keyword(s):  
Digital Technology ◽  
Small And Medium Enterprises ◽  
Mentoring Programs ◽  
Online Media ◽  
Marketing System ◽  
Continuous Training ◽  
Online Stores ◽  
The Times ◽  
Medium Enterprises

The COVID-19 pandemic has had a very bad impact and decreased income in the Micro, Small, and Medium Enterprises (MSME) sector. An effort is needed that can increase the marketing of MSME products that are in accordance with consumer conditions. There are still many MSME actors who market their products in stores and in the market which are not in accordance with the conditions in the field. Continuous training and assistance are needed in introducing a marketing system that is in accordance with the conditions of the times. One of them is marketing using online media. Based on these circumstances, this study aims to determine efforts to increase the marketing of MSME commodities in Tasikmalaya Regency during the Covid-19 pandemic through training and mentoring programs. The method used in this research is descriptive quantitative. The data used were obtained from interviews with the help of a questionnaire given to MSME actors. Based on the results obtained, the use of online media in marketing MSME products was 19%. From the results of the analysis, it is found that the level of ability to use digital technology is 26%, which means that there are still many MSME actors who do not understand using digital technology, especially in creating online stores. Therefore, continuous training and assistance are needed in improving the understanding of MSME actors and keeping up with the times.  

scholarly journals Review : The Development of Digital Economy in Indonesia

2019 ◽  
Author(s):  
Alvin Horianto
Keyword(s):  
Digital Technology ◽  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Digital Economy ◽  
Primary Data ◽  
Internet Users ◽  
The Stability ◽  
The One ◽  
Medium Enterprises ◽  
Average Expenditure

The current number of internet users in Indonesia has exceeded 50% of the total population, with an average expenditure of IDR 6.5 million per annum for online shopping. The value of e-commerce has reached US$ 87.8 or 52% of the e-commerce market in Southeast Asia. On the one hand, the development of digital lifestyle and digital technology-based industries has become a necessity, but on the other hand, it will become “a serious threat” for traditional and conventional businesses as a result of changes in consumer shopping characteristics, that is, fast, practical, and inexpensive. Millennial generation is very familiar with digital technology and becomes potential target to increase market share. This research is categorized as qualitative research with positive paradigm. This research uses primary data and secondary data with the focus on Micro Small and Medium Enterprises (MSMEs) and the behavior of consumers as internet (smartphone) users. The results show that there are still some problems with regulation, collaboration, and infrastructure that need to be addressed so as not to hamper the growth of the digital economy and the stability of the financial system in Indonesia.

scholarly journals JAPAN’S EXPERIENCE IN USING ANALYTICS OF BIG DATA TO REDUCE CREDIT RISK IN FINANCING SMALL AND MEDIUM ENTERPRISES

2019 ◽  
pp. 182-187
Author(s):  
S. Matveevskii
Keyword(s):  
Big Data ◽  
Credit Risk ◽  
Data Analytics ◽  
Small And Medium Enterprises ◽  
Big Data Analytics ◽  
Subject Area ◽  
Development Bank ◽  
Financial Model ◽  
Bank Account ◽  
Medium Enterprises

The experience of Japanese experts in using big data analytics to reduce credit risk when financing small and medium-sized enterprises has been reviewed. Three multiple regression models were used to predict the likelihood of medium-sized enterprises default. The results of the study have showed, that the bank account model complements the financial model well, which will allow credit organizations to increase lending to medium-sized enterprises. It has been concluded, that the use of big data analytics requires the development of an information model of the subject area, which will provide a significant improvement in lending to medium-sized enterprises in Russia. The experience of the Asian Development Bank in researching the activities of medium-sized enterprises shows the practical possibility of using big data analytics by any development bank.

PERSONAL GARANSI DALAM PRODUK QARDUL HASAN DI KSPPS BMT SALAFIYAH SUKOREJO SITUBONDO

2021 ◽  
Vol 15 (1) ◽  
pp. 1-18
Author(s):  
Subaidi Subaidi ◽  
Subyanto Subyanto
Keyword(s):  
Small And Medium Enterprises ◽  
Lower Class ◽  
Profit Sharing ◽  
Community Leaders ◽  
Profit Margins ◽  
Guarantee System ◽  
Class Society ◽  
Medium Enterprises ◽  
The Given

Qardul Hasan financing is one of the excellent products in finance. It can help lower class society and Small and Medium Enterprises (SMEs) to develop their business. This main advantage is there is a payoff without any profit-sharing or profit margins. However, the borrower by his own volition can give the excess of the loan. To borrow Qardul Hasan financing, the customer must submit collateral to KSPPS BMT Salafiyah in the form of goods or a personal guarantee system. Personal guarantee in financing is an embodiment of financing without collateral, as well as the application of personal guarantee in Qardul Hasan financing in KSPPS BMT Salafiyah. In its realization, KSPPS BMT Salafiyah provides Qardul Hasan financing to customers with personal guarantees. It means guarantee is in the form of signature and or statement of the figure as community leaders which he or she is responsible for the given financing.

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