Analisis �Financial Teknology (Fintech)� pada Permodalan Usaha Mikro Kecil dan Menengah (UMKM) dengan Model Peer-To-Peer (P2P) Lending

The purpose of this study is to analyze the impact of Fintech on Micro Small and Medium Enterprises (MSME) capital with the P2P Lending model. The formulation of the problem is What is the impact of Fintech on MSME capital with the P2P Lending model? Research locations in the Banyumas Regency area with a concentration of 110 MSME as a research sample, with the criterion that ever or currently lending with P2P Lending system. Primary data were obtained from the results of questionnaire processing and interviews with respondents, namely MSME, while secondary data was sought from OJK, BPS, the Ministry of Cooperatives and Micro, Small and Medium Enterprises, BI, articles, and textbooks relevant to research. Data analysis methods are descriptive analysis methods, paired difference analysis and ordinary least square (OLS). The conclusion obtained in this study is a tendency to increase in the Number of Workers, Turnover, Product Sales, Profits and Business Costs after the use of Fintech with the Peer to Peer (P2P) Lending model in MSME. So venture capital loans obtained through FinTech with the P2P Lending model have a positive effect on the improvement and development of the MSME business.

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Implementasi Sistem Bagi Hasil Mudharabah pada Koperasi Serba Usaha Amanah Desa Bunobogu Kecamatan Bunobogu Kabupaten Buol

Al-Buhuts ◽

10.30603/ab.v14i01.419 ◽

2017 ◽

Vol 13 (2) ◽

pp. 109-126

Author(s):

Abdul Latif

Keyword(s):

Small And Medium Enterprises ◽

Descriptive Analysis ◽

Secondary Data ◽

Revenue Sharing ◽

Profit Sharing ◽

Primary Data ◽

Analysis Method ◽

Qualitative Descriptive ◽

Medium Enterprises ◽

Made In

This study aims to determine the system for the results of Mudharabah on Business Multipurpose Cooperative (KSU) Amanah Desa Bunobogu with Qualitative Descriptive Analysis method. This study uses primary data sources and secondary data relating to the annual revenue sharing system Mudharabah (2010-2014). The results of this study indicate that the profit sharing system is implemented by the Multipurpose Business Cooperative (KSU) Amanah Desa Bunobogu in the form of Mudharabah financing. With a guarantee statement on the process akadnya. In the event of negligence made by members who resulted in his business losing the goods made in the guarantee will be seized by the cooperative. Businesses that are established by members are mostly small and medium enterprises so often encountered bookkeeping that is not clear and just make a budget booklet at random. However, it does not become alaasan and hamper the growth of cooperatives which each year has increased the remaining results of operations. Unclear budget bookkeeping can result in member earnings manipulation, by lowering the profits earned and the effect on the revenue share installments

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Impact of Financial Management Practices on SMEs Profitability with Moderating Role of Agency Cost

Information Management and Business Review ◽

10.22610/imbr.v9i1.1593 ◽

2017 ◽

Vol 9 (1) ◽

pp. 23-30 ◽

Cited By ~ 2

Author(s):

Saqib Muneer ◽

Rao Abrar Ahmad ◽

Azhar Ali

Keyword(s):

Financial Management ◽

Structural Equation ◽

Management Practices ◽

Small And Medium Enterprises ◽

Agency Cost ◽

Partial Least Square ◽

Least Square ◽

Primary Data ◽

Medium Enterprises ◽

The Impact

The importance of Small and medium enterprises (SMEs) towards economic development and growth is considerable. Some SMEs are facing difficulties to their development due to the lack of financial resources and management experience. The objective of this study is to check the relationships of financial management practices on profitability of small and medium enterprises and also to check the impact of agency cost on this relationship. This study consists of data analysis of two hundred SMEs from Faisalabad Pakistan. The study used primary data predominantly. SPSS 23 is used for descriptive analysis and Structural Equation Model (SEM) through Partial Least Square (PLS) 3 for hypothesis testing. The findings of this study indicate the presence of positive relationship between financial management practices and SMEs profitability but agency cost as a moderator has no effect on this relationship. The study strongly recommends higher adherence to financial management practices. Policy makers, developments partners, owners, and managers of SMEs may use these findings for sustainability of their business in Pakistan.

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Economic Recovery Through Community Empowerment to Reduce Impact of the Covid-19

Prosperity: Journal of Society and Empowerment ◽

10.21580/prosperity.2021.1.1.8264 ◽

2021 ◽

Vol 1 (1) ◽

pp. 65-71

Author(s):

Sukiyani Sukiyani

Keyword(s):

Small And Medium Enterprises ◽

Descriptive Analysis ◽

Secondary Data ◽

Community Empowerment ◽

Provincial Government ◽

Operational Strategies ◽

The People ◽

Medium Enterprises ◽

The Impact ◽

Special Region

The impact of the Covid-19 Pandemic Disaster is still very much felt by the economy of the people in the Special Region of Yogyakarta. The purpose of this research is to map the policies of the Provincial Government of the Special Region of Yogyakarta in empowering the community to the perpetrators of cooperative activities, micro, small and medium enterprises and to map the operational strategies carried out for the development of these policies. This study uses qualitative methods and uses secondary data from various kinds of literature such as books, articles, related journals regarding empowerment policies for actors in cooperative activities, micro, small and medium enterprises from the impact of the Covid-19 pandemic. The data analysis technique used in this research is descriptive analysis. The results of the research, it is known that the success of community empowerment policies for actors in cooperative activities, micro, small and medium enterprises in the Special Region of Yogyakarta from the impact of the Covid-19 pandemic disaster in the first quarter of 2021 experienced growth compared to the first quarter of 2020. The biggest contribution to economic growth in the Special Region of Yogyakarta in the first quarter of 2021 is the information and communication business field.

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PERANAN CREDIT UNION SEBAGAI LEMBAGA PEMBIAYAAN MIKRO Studi Kasus: Pada Usaha UMKM Di Desa Tumbang Manggo Kecamatan Sanaman Mantikei, Kabupaten Katingan, Provinsi Kalimantan Tengah Tahun 2013

MODUS ◽

10.24002/modus.v26i2.586 ◽

2016 ◽

Vol 26 (2) ◽

pp. 157

Author(s):

Monica Carollina ◽

Ag Edi Sutarta

Keyword(s):

Venture Capital ◽

Small And Medium Enterprises ◽

Descriptive Analysis ◽

Secondary Data ◽

Credit Union ◽

Primary Data ◽

Working Capital ◽

The Public ◽

Medium Enterprises

The role of supporting institutions in the capital in Tumbang Manggu is needed, especially for the small and medium enterprises to obtain loans used for working capital. The main problem that dalam membuka venture capital is limited existence. This study aims to determine the role of Credit Union in TPK Tumbang Manggo, Central Kalimantan as a fnancing institution for micro-enterprises. The data used in this research is secondary data and primary data. Secondary data were obtained f rom the Credit Union TPK Tumbang Manggo and Inkopdit. The primary data obtained through interviews and questionnaires. The analysis used in this research using descriptive analysis. Based on the results of CU not only act as a fnancial institution to assist the public in obtaining funds for venture capital but also as a depository institution money and providers of education and training for their members. It is most infuenced the decision of the respondent in choosing CU as a fnancial institution is the ease in obtaining a loan (20.205%), satisfactory service (20.205%), and ease in obtaining a loan (20.205%). Credits obtained from CU most used by respondents as working capital as much as 80%.Keywords: Credit Union, Credit Union Role, Tings that Afect Decisions, Credit Allocation

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ANALISIS PROSEDUR PEMBIAYAAN DAN MANAJEMEN RISIKO PADA PERUSAHAAN PEER TO PEER (P2P) LENDING SYARIAH DI INDONESIA

J-ISCAN: Journal of Islamic Accounting Research ◽

10.52490/j-iscan.v1i2.698 ◽

2019 ◽

Vol 1 (2) ◽

pp. 1-28

Author(s):

Evy Iskandar ◽

Ayumiati Ayumiati ◽

Novita Katrin

Keyword(s):

Risk Management ◽

Financial Services ◽

Small And Medium Enterprises ◽

Peer To Peer ◽

Primary Data ◽

Free Access ◽

P2p Lending ◽

Stake Holder ◽

Medium Enterprises

This study to examines the procedures for financing and risk management in Peer to Peer (P2P) lending company in Indonesia with a case study at PT. Ammana Fintek Syariah as a Sharia P2P lending company that was the first registered in Financial Services Authorization (OJK), which was established to free access to Micro, Small and Medium Enterprises (MSMEs) finance from loan sharks and usury interest. This study uses qualitative methods, primary data in research is based the direct information from company management as a stake holder. The results of this study indicate that the application of company financing procedures is carried out with two patterns, in the direct pattern that involving partners (BMT) and in the non-direct pattern carried out directly by the team of PT. AFS. While the application of risk management is mitigation by partners and internal management of PT.AFS to conduct early prevention of the risks to be faced, and in handling the problem of financing jams, the company opens a deliberation room for consensus on the actions of the settlement of both parties. Keywords: Financing Procedure, Risk Management, peer to peer Abstrak Penelitian ini mengkaji tentang prosedur pembiayaan dan manajemen risiko pada perusahaan Peer to Peer (P2P) lending di Indonesia dengan studi kasus pada PT.Ammana Fintek Syariahsebagai perusahaan P2P lending syariah pertama kali terdaftar di Otorisasi Jasa Keuanga (OJK), yang didirikan untuk membebaskan akses untuk keuangan UMKM dari pola rentenir dan bunga riba. Penelitian ini menggunakan metode kualitatif, data primer dalam penelitian adalah informasi langsung dari manajemen perusahaan sebagai stake holder. Hasil penelitian ini menunjukkan bahwa penerapan prosedur pembiayan perusahaan dilakukan dengan dua bentuk yaitu pola directyang melibatkan mitra (BMT) dan non direct dilakukan langsung oleh tim PT. AFS. Sedangkan penerapan manajemen risikonya adalah dengan model mitigasi oleh mitra dan pengelolaan internal PT.AFS untuk melakukan pencegahan awal terhadap risiko yang akan dihadapi, dan penanganan masalah pembiayaan yang macet perusahaan membuka ruang musyawarah untuk mufakat terhadap tindakan penyelesaian kedua belah pihak. Kata Kunci:Prosedur Pembiayan, Manajemen Risiko, Peer To Peer.

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THE IMPACT OF HUMAN RESOURSES IN THE DIRECT INVESTEMENTS CASE STUDY THE MUNICIPALITY OF GOSTIVAR

Knowledge International Journal ◽

10.35120/kij28051647d ◽

2018 ◽

Vol 28 (5) ◽

pp. 1647-1653

Author(s):

Diturije Ismaili ◽

Bardhyl Tushi

Keyword(s):

Human Resources ◽

Small And Medium Enterprises ◽

Secondary Data ◽

Scientific Paper ◽

Professional Staff ◽

Primary Data ◽

Secondary Sources ◽

Professional Employees ◽

Medium Enterprises ◽

The Impact

Human resources are the greatest asset of the enterprises, as the whole development is depended on their work and commitment. Every business aims to maximize its profit. The company in order to achieve this, among other things must establish and develop a Human Resources Department. On the other hand, small and medium enterprises can be defined as independent companies who are employing a specified number of employees. The aim of small and medium enterprises should be the revealing of novelties and innovations, employment opportunities, independence in action and competition. The purpose of this scientific paper is to explore and enlighten the role of human resources in the growth of development, increase of investments and prosperity of enterprises in the Municipality of Gostivar. Furthermore, the research has been deepened to search in the professionalism and importance of trainings of employees in the enterprise and their impact on the performance of companies. As professionalism is one of the key factors of career development, this paper highlights how many enterprises in the Municipality of Gostivar have employed professionals, and what are the most common differences between employee’s qualities. First, it will be analyzed the proficient background of working staff in several enterprises in the Municipality of Gostivar and further analyses in this contest will be made whether there is increase in the number of professional employees and what are differences between professional and non-professional staff. Secondly, it will be analyzed the importance of trainings in the targeted enterprises in the Municipality of Gostivar, while it will be presented how many enterprises train and develop their employees and by having this employee’s training what has the impact been on performance of the business and what are the actual business training needs. Thirdly, it will be analyzed what measures have been taken to increase investment in small and medium-sized enterprises, the number of workers when businesses have started to work and where the actual number of employees has been reached up today in these enterprises. Primary and secondary sources will be used for the research of this paper. Secondary data are interlinked with contemporary literature and research that has been done so far on this subject. Primary data are collected through semi-structured questionnaires. A selection sample for the survey is 30 in the Municipality of Gostivar, from which results were achieved for the professionalization and training of Human Resources and their impact on the increase of investments and the development of Enterprises.

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The Impact of Financial Literacy on Financial Preparedness for Retirement in the Small and Medium Enterprises Sector in Uganda

International Journal of Applied Behavioral Economics ◽

10.4018/ijabe.2020070102 ◽

2020 ◽

Vol 9 (3) ◽

pp. 26-41

Author(s):

Colin Agabalinda ◽

Alain Vilard Ndi Isoh

Keyword(s):

Financial Literacy ◽

Small And Medium Enterprises ◽

Group Analysis ◽

Moderating Effect ◽

Primary Data ◽

Retirement Preparedness ◽

Medium Enterprises ◽

The Impact ◽

The Relationship ◽

Effect Of Age

The study investigated the direct effects of financial literacy (knowledge, skills, and attitudes) on financial preparedness for retirement and the moderating effect of age among the small and medium enterprises in Uganda. Primary data was collected from a sample of n = 380 selected from the SME workforce. Descriptive analysis was run on SPSS, while validity and reliability of the measurement items yielded satisfactory composite reliability scores and average variance explained (AVE) scores for all items. Structural equation modelling (SEM) was used to test the hypotheses and multi-group analysis conducted to test for the moderating effect of age on the relationship between financial literacy and retirement preparedness. The results revealed that knowledge and skills were significant predictors of retirement preparedness. However, ‘attitude' was not a significant predictor, and age had no moderating effect on the relationship between the study variables. These findings present practical implications for policymakers and financial educators in a developing country context.

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Analisis Dampak Tax Morale Terhadap Kepatuhan Pajak UMKM: Studi Kasus Kota Semarang

JURNAL DINAMIKA EKONOMI PEMBANGUNAN ◽

10.14710/jdep.1.1.14-32 ◽

2018 ◽

Vol 1 (1) ◽

pp. 14

Author(s):

Muslimah Mahmudah ◽

Deden Dinar Iskandar

Keyword(s):

Small And Medium Enterprises ◽

Tax Compliance ◽

Binary Logistic Regression ◽

Primary Data ◽

Binary Logistic Regression Analysis ◽

Ethical Business ◽

Tax Morale ◽

Business Size ◽

Medium Enterprises ◽

The Impact

This study aims to analyze the impact of tax morale on Micro, Small, and Medium Enterprises (MSMEs) tax complianceSemarang City as the case study. This study uses primary data generated from 117 samples of MSMEs in Semarang. Data analysis is performed using binary logistic regression analysis. The results showed that environmental, institutional, ethical, business, and business size variables significantly influence MSMEs tax compliance. On the other hand, variables whose effect on tax compliance is not statistically significant include happiness, religiosity, gender, age, education, and marital status.

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Firm Performance: Does Mastering a Foreign Language Matter?

10.29007/dkzg ◽

2018 ◽

Author(s):

Remedios Hernández Linares ◽

María José Naranjo ◽

Héctor Sánchez Santamaría ◽

Mercedes Rico García ◽

Laura Fielden Burns ◽

...

Keyword(s):

Foreign Language ◽

Organizational Performance ◽

Small And Medium Enterprises ◽

Language Education ◽

Foreign Language Education ◽

Primary Data ◽

First Semester ◽

Improved Performance ◽

Medium Enterprises ◽

The Impact

Over the last twenty years the impact of language in international and multinational companies has attracted significant scholarly attention, which is reflected in the growing literature. However, and despite the fact that small and medium enterprises (SMEs) constitute the engine of numerous economies worldwide, the impact of foreign languages on SMEs’ performance remains understudied. This is especially intricate because, considering that SMEs often have fewer resources, the commitment of such resources to language acquisition and foreign language education can only be justified in the case of improved performance. To address this gap, the objective of our research aims to get insights whether and how the domain of a foreign language (mainly English) affects SMEs’ performance. For this purpose, we perform an exploratory empirical study based on data collected through a telephone questionnaire during the first semester of 2017. A group of private Spanish SMEs constitutes our sample. Our work presents the results of the statistical analysis of these primary data, and contributes to a more nuanced perspective on language utility for organizational performance.

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Policy Implementation on Establishment and Management of Village-Owned Enterprises in Indonesia

Society ◽

10.33019/society.v9i1.295 ◽

2021 ◽

Vol 9 (1) ◽

pp. 187-204

Author(s):

Andy Alfatih ◽

Diana Dewi Sartika ◽

Dyah Hapsari Eko Nueraheni

Keyword(s):

Policy Implementation ◽

Field Observation ◽

Research Method ◽

Descriptive Analysis ◽

Secondary Data ◽

Sample Survey ◽

Primary Data ◽

The Impact

One of the efforts to obtain and increase village revenue was by running a business through a village-owned enterprise (VOEs). A policy was needed for utilizing village resources in establishing a village-owned enterprise. The Musi Rawas Regency Government had made a policy, namely Musi Rawas Regency Regional Regulation Number 10 of 2013, concerning Guidelines for the Establishment and Management of Village-Owned Enterprises (VOEs). Villages of Musi Rawas Regency had implemented this regulation. This research aimed to evaluate the implementation of this regional regulation. This research method is descriptive quantitative comprises a sample survey and descriptive analysis indicators resulting from the sample survey. The population of this research was 174 Village-Owned Enterprises (VOEs/BUMDes) in Musi Rawas Regency. At the same time, the sample was 64 VOEs which was taken by referring to the Slovin formula. There were primary data and secondary ones. Primary data came mainly from the questionnaire and field observation. Meanwhile, secondary data were sourced from documents, such as archives and reports. Data were analyzed by descriptive technique. The descriptive technique was done by displaying data, assessing them, delivering argument, quoting theory for justification and confirmation, and concluding. Implementing the Regional Regulation concerning Guidelines for the Establishment and Management of Village-Owned Enterprises (VOEs) was successful. This could be seen from several indicators, refers to Ripley & Franklin (1986), namely: 1) There existed compliance of policy implementers towards the content of the regional regulation. The degree of compliance was high and was in a good category. 2) The establishment and management of VOEs (the smoothness of routine functions) were also high and classified as good, and 3) The performance of the management of VOEs was also good. The impact of policy implementation (regional regulation of Musi Rawas Regency) was positive (good).

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