scholarly journals MSMEs and Digitali in Covid-19

2021 ◽  
Author(s):  
Fidelia Rahayu Kencanasari

The number of MSMEs that are starting to grow very much in Indonesia, assisted by the sophistication of technology that is increasingly developing makes MSMEs very able to get the public market. The convenience that is obtained through online shopping is more felt by the people of Indonesia, making swords now starting to compete to collaborate with various existing platforms to keep getting customers and customers don't run to other stores. Digitalization has proven to be able to support the economic recovery program due to Covid-19, making the central, provincial, district and city governments including BUMN and BUMR carry out development and empowerment efforts for MSMEs in Indonesia.

2021 ◽  
Vol 8 (2) ◽  
pp. 110-116
Author(s):  
Ratnawaty Marginingsih

Abstrak  Berbagai permasalahan yang terjadi pada UMKM terdampak pandemi cukup dirasakan oleh para pelaku usaha tersebut. Hal ini tentu saja berakibat pada penurunan keuntungan secara signifikan dikarenanakan tingkat produktivitas yang rendah. Langkah terkait pemulihan ekonomi, dalam hal ini pemerintah melalui kementrian keuangan membuat kebijakan luar biasa untuk memitigasi dampak covid-19 dan perlambatan ekonomi dengan membuat Program Pemulihan Ekonomi Nasional (PEN).  Metode penelitian yang digunakan dalam penulisan ini adalah teknik analisis deskriptif kualitatif. Hasil penelitian menujukkan Program Pemulihan Ekonomi Nasional (PEN) memiliki dampak positif bagi sektor UMKM pada masa pandemi covid-19 sebagai langkah kebijakan yang diambil oleh pemerintah untuk mendukung pemulihan perekonomian nasional khususnya sektor UMKM yang memiliki kontribusi cukup besar. Rekomendasi kebijkan penguatan UMKM tidak hanya pada masa pandemi tetapi juga pada masa pemulihan dan pasca pandemi sehingga percepatan pemulihan ekonomi nasional dapat mencapai kestabilannya. Kata Kunci: Program PEN, Kebijkan Pandemi, UMKM  Abstract - The various problems that occur in SMEs affected by the pandemic are quite felt by these business actors. This of course results in a significant reduction in profits due to low productivity levels. Steps related to economic recovery, in this case, the government through the ministry of finance, make extraordinary policies to mitigate the impact of covid-19 and the economic slowdown by creating the National Economic Recovery Program (PEN). The research method used in this paper is a qualitative descriptive analysis technique. The results of the study show that the National Economic Recovery Program (PEN) has a positive impact on the MSME sector during the COVID-19 pandemic as a policy step taken by the government to support the recovery of the national economy, especially the MSME sector which has a significant contribution. Recommendations for strengthening MSME policies are not only during the pandemic but also during the recovery and post-pandemic period so that the acceleration of national economic recovery can achieve stability. Keywords: PEN Program, Pandemic Policy, MSME 


2019 ◽  
Vol 6 (2) ◽  
pp. 136
Author(s):  
Emilya Kalsum ◽  
Yudi Purnomo

Pasar tradisional atau pasar rakyat merupakan sebuah pusat kegiatan ekonomi di suatu daerah yang juga menjadi perwujudan kesejahteraan masyarakat sangat berpotensi dalam menggerakkan roda perekonomian berbasis ekonomi rakyat. Pasar rakyat mampu bertahan memberikan pelayanan kebutuhan kepada masyarakat luas sekalipun dalam kondisi krisis perekonomian. Pasar rakyat telah menggambarkan denyut nadi perekonomian rakyat. Oleh karena itu, sangatlah penting untuk menyelamatkan keberadaan pasar rakyat yang kini semakin terhimpit oleh adanya pasar modern yang terus meningkat saat ini. Pemerintah telah memiliki berbagai kebijakan untuk mengantisipasi masalah ini di antaranya adalah Peraturan Presiden Nomor 112 tahun 2007 tentang Penataan dan Pembinaan Pasar rakyat, Pusat Perbelanjaan dan Toko Modern. Namun berbagai kebijakan seringkali hanya diberlakukan pada pasar rakyat yang disediakan atau dibangun oleh pemerintah atau pengelola wilayah. Padahal tak jarang, pasar rakyat yang ada berawal dari pasar yang tumbuh dari swadaya masyarakat. Pasar seperti ini hampir merata tumbuh di setiap kota di Indonesia demikian pula di Kota Pontianak. Identifikasi pola pertumbuhan pasar rakyat di Kota Pontianak ini dimaksudkan untuk mengetahui bagaimana sebetulnya sebuah pasar rakyat tumbuh dan berkembang di area permukiman. Penelitian ini menggunakan metode deskriptif dengan pendekatan kuantitatif, dalam upaya mendeskripsikan gejala atau fenomena tentang pertumbuhan yang terjadi pada saat penelitian dilakukan. Pendekatan kuantitatif dilakukan dalam rangka untuk mengetahui jumlah pasar rakyat hasil swadaya masyarakat. Pola pertumbuhan pasar rakyat di Kota Pontianak yang terbentuk dari swadaya masyarakat Kota Pontianak yang ditunjukkan dari hasil penelitian ini sangat relevan untuk menjadi pertimbangan dalam penataan pasar rakyat di Kota Pontianak di masa yang akan datang. Ini terkait pada kebutuhan masyarakat, lokasi, kepemilikan, penempatan dan pengelolaan.PUBLIC MARKETS GROWTH PATTERN IN PONTIANAKTraditional markets or public markets are the centers of economic activity in an area that also embody the welfare of the people who have great potential and can drive the economy of the people. During financial crisis, the markets can survive, providing service needs to the community. Public markets have described the pulse of the people's economy. Therefore, the existence of public markets, which are now increasingly squeezed by the rapid growth of the modern stores, are important to be immediately saved. The government already has several legal protections to overcome this problem, one of it is the Presidential Regulation Number 112 of 2007 concerning the Arrangement and Development of Public Markets, Shopping Centers and Modern Stores. However, various policies are often only applied to the public markets that are provided or built by the government or regional managers. Even though it is not uncommon that the existing public markets originated from markets that grow from nongovernmental community self-help. These markets are almost evenly grown in every city in Indonesia, as well as in Pontianak. Identification of the pattern of growth of the public markets in Pontianak is intended to find out how public markets grow and develop in residential areas. This research uses a descriptive method with a quantitative approach, to describe the symptoms or phenomena about the growth that occur at the time the research is conducted. A quantitative approach is carried out to find out the number of people's markets resulting from nongovernmental community self-help. The results showed that the pattern of growth of public market in Pontianak which was formed from the self-help of the people was very relevant to be considered in the structuring of the public markets in Pontianak in the future. This is related to community needs, location, ownership, placement, and management.


2021 ◽  
Vol 10 (1) ◽  
pp. 103-120
Author(s):  
Khotim Fadhli ◽  
Zuni Miftakhur Rohmah

This study aims to analyze the effect of the national economic recovery program (PEN) in Indonesia in an effort to increase productivity for MSME actors due to the Covid-19 pandemic. The economic sector, which has also been affected by the Covid-19 pandemic, has resulted in many MSMEs experiencing a decline in turnover, even going bankrupt. So the government makes programs through the national economic recovery policy (PEN) to overcome the problems faced by MSMEs. This research is a quantitative research, with the population in the study are all MSMEs in the Gudo Manik-Manik Center, Jombang Regency, which then determined a sample of 73 respondents using the slovin formula. The sampling technique used was probability sampling with the random sampling method, because taking all the population, namely MSME Gudo Manik-Manik Center, had the same opportunity to become respondents. Data was taken using a questionnaire. The research analysis used is multiple linear regression using SPSS 26. The results of the study state that, the tax incentive which is an economic recovery program (PEN) has no effect on the productivity of MSMEs during the COVID-19 pandemic at the Manik-Manik Gudo Jombang Center. Meanwhile, loan restructuring, which is an economic recovery program (PEN) has a significant impact on MSME productivity during the Covid-19 pandemic at the Gudo Manik-Manik Center. Simultaneously, tax incentives and loan restructuring, which are part of the economic recovery program (PEN) have a significant influence on the productivity of MSMEs during the Covid-19 pandemic at the Gudo Manik-Manik Center, Jombang.


2021 ◽  
Vol 2 (2) ◽  
pp. 123-135
Author(s):  
William Indra S. Mooduto ◽  
Abdul Wahab Podungge ◽  
Muliyani Mahmud

This study aims to assess the feasibility of regional national economic recovery loans (PEN) in Bone Bolango Regency, by analyzing 4 (four) indicators of eligibility requirements for granting Regional PEN Loans, namely (1) the area is affected by Covid 19; (2) have a Regional Economic Recovery program or activity that supports the National Economic Recovery program; (3) The remaining amount of the loan plus the amount of the loan to be withdrawn does not exceed 75 percent of the general revenue of the previous year's Regional Government Budget; (4) meet the ratio of regional financial capacity to repay regional loans of at least 2.5 percent.The first and second indicators were tested using desk study analysis. then the third and fourth indicators are tested by analyzing the financial statements of the Bone Bolango Regency in 2020 and calculating the Debt Service Coverage Ratio (DSCR) to assess the ability of the region to repay loans. The results showed that Bone Bolango Regency deserved a regional loan from the Central Government. This is because Bone Bolango fulfills 4 (four) loan requirements for the national economic recovery area.


Author(s):  
Angling Nugroho Kemenangan ◽  
Lisno Setiawan

The escalation of Covid-19 and the sharp economic slowdown and tremendous disruption in various aspects of life, especially health, social, economic and financial impacts must be mitigated on the public welfare through extraordinary policies. The Covid-19 response and economic recovery program is an extremely important program designed in an atmosphere of emergency / urgency. Speed ​​is very important, but on the other hand, accountability, transparency and good governance principles should not be ignored. In the midst of an emergency situation in handling Covid-19, especially the PEN program, many government programs in their implementation require very fast, urgent and massive handling, which of course must be followed by strengthening good governance, through the application of the principles of prudence, accountability and transparency. The results of the review show that in the implementation of the PEN program there are problems with regulations, budget, data, coordination and technical implementation, monitoring and evaluation, and information technology. These constraints are related to one another. Based on references to evaluations of governments, institutions, and best practices in countries that have successfully implemented the program, the authors present solutions related to these problems.


Liquidity ◽  
2017 ◽  
Vol 6 (2) ◽  
pp. 110-118
Author(s):  
Iwan Subandi ◽  
Fathurrahman Djamil

Health is the basic right for everybody, therefore every citizen is entitled to get the health care. In enforcing the regulation for Jaringan Kesehatan Nasional (National Health Supports), it is heavily influenced by the foreign interests. Economically, this program does not reduce the people’s burdens, on the contrary, it will increase them. This means the health supports in which should place the government as the guarantor of the public health, but the people themselves that should pay for the health care. In the realization of the health support the are elements against the Syariah principles. Indonesian Muslim Religious Leaders (MUI) only say that the BPJS Kesehatan (Sosial Support Institution for Health) does not conform with the syariah. The society is asked to register and continue the participation in the program of Social Supports Institution for Health. The best solution is to enforce the mechanism which is in accordance with the syariah principles. The establishment of BPJS based on syariah has to be carried out in cooperation from the elements of Social Supports Institution (BPJS), Indonesian Muslim Religious (MUI), Financial Institution Authorities, National Social Supports Council, Ministry of Health, and Ministry of Finance. Accordingly, the Social Supports Institution for Helath (BPJS Kesehatan) based on syariah principles could be obtained and could became the solution of the polemics in the society.


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