scholarly journals Strategi Pemasaran Pembiayaan Ijarah Muntahiyah Bit-Tamlik (IMBT) terhadap Pemberdayaan Usaha Mikro Kecil Menengah

2019 ◽  
Vol 3 (1) ◽  
pp. 1-9
Author(s):  
M. Manshur Idris ◽  
Mustofa Mustofa

Islamic finance institutions are often used as an alternative for the community that is not facilitated by banks, both conventional and Islamic. People tend to invest their capital and run financing in shari'ah financial institutions because administrative procedures are easy when compared to investing capital and financing in State or private banks and also because they are more reliable. The purpose of this study was to determine the marketing strategy of financing Ijarah Muntahiyah Bit-Tamlik (IMBT) and the effect of IMBT financing on the empowerment of Micro, Small and Medium Enterprises (UMKM). The location of this study was at KSPS BMT UGT Sidogiri Capem Silo Jember. This research is qualitative descriptive method. Data collection was done through interviews, observation, and documentation. The analysis was carried out by data reduction, data presentation, data collection, and triangulation. The results showed that the marketing strategy of IMBT financing applied by BMT Sidogiri Capem Silo Jember included four variables in the marketing mix, namely product strategy, promotion strategy, pricing strategy, and place strategy. Whereas the effect of IMBT financing on the empowerment of UMKM was that develops productive businesses to increase the income of small entrepreneurs and members, one of which was in the trade and agriculture sectors to facilitate the public in accessing their goods.

2021 ◽  
Vol 2 (1) ◽  
Author(s):  
Amanda Rizky Amalia ◽  
Antika Suri Tauladan ◽  
Fani Aulia Sari

Language has an important role in everyday human life in society. Jargon is a kind of language that is only used by certain communities as daily communication among its members. The jargon used by the transgender community is very interesting to understand because the jargon has its own form and meaning in its disclosure and can find out how the variety of jargon-shaped language used by transgenders in hiding their secrets so as not to be known by the public. It is evident that not all users of other languages understand the jargon. In this study, the researchers analyzed the jargon used by the waria community in the salon. This study aims to determine the jargon and describe and understand the meaning of the jargon used by the transgender community in interacting orally. The source of the research data was obtained from the subject, namely the transgender women who worked at the Retah salon in Pamulang, who used jargon in their daily communication with transgender women and sometimes with their customers. The method used in this study is a qualitative descriptive method, which describes and conveys data objectively. Describe the jargon terms of transgender language as the object of research. The data collection technique used is observation or see and note. The result of this research is the jargon used by waria in the form of transgender language vocabulary. Based on the results of the data analysis, it was found that 20 pieces of jargon used by transgender women in the salon were akika, rapose, capcus, endang gurindang, ink, sekong, belenjong, cucok, metong, hamidah, lekong, sapose, capcay, begindang, bala-bala, sindang. , lambreta, grasshopper, mesong, and mursida.Keywords: Waria, Jargon, Vocabulary


2020 ◽  
Vol 1 (1) ◽  
pp. 11-20
Author(s):  
Aprilia Kartika ◽  
Airin Nuraini

Small and Medium Micro Enterprises are businesses that have an important role in the economy in Indonesia because micro, small and medium enterprises aim to grow and develop their business in order to build a national economy. SMEs are also able to open new jobs for domestic workers,SMEs provide income for the country in the form of foreign exchange. To get a better UMKM, so that SMEs can compete with large business institutions in terms of economy and empowerment, SMES actors must be aware of the importance of applying financial statements.  The purpose of this study was to find out how the application of financial statements based on SAK-ETAP on SMEs and how financial performance in SMEs was implemented. The author conducts research at the Wijaya Figures Store UMKM located on Jl. Endang Sumawijaya Kampung Sindang Barang, Bogor Regency. This research method uses a qualitative descriptive method. The results of the Angka Wijaya SMES research did not apply financial statement. This is because the SMES owner Angka Wijaya do not understand the financial statements based on SAK ETAP. During 2018 total assets, liability+equitycan be generated in the amount of IDR 386,558,000, profit of IDR 120,518,000 equity of IDR 366,229,000 and total net cash flow of IDR 261,238,000. The results of the wijaya store SMEs performance are calculated using profitability ratios based on profit from good sales and ussing on asset, meaning that the angka wijaya UMKMs are good in terms of sales and efficient in using assets, while SMES performance in capital usage is not good because of UMKM Angka wijaya is less efficient in capital   Keywords: application of financial statement presentation based on sak-etap to know wijaya's financial performance in figures shop smes


2020 ◽  
Vol 12 (1) ◽  
pp. 44
Author(s):  
Muhammad Iqbal Arrosyad ◽  
Asyraf Suryadin ◽  
Harun Joko Prayitno

This study aims to explain the forms of fabrik range errors and nameplate in the City of Pangkalpinang, Bangka Belitung Islands and find out the factors behind the occurrence of errors in the use of Indonesian in the fabric range and nameplate in the City of Pangkalpinang, Islands. Bangka Belitung. The method used in this research is qualitative descriptive method. The data collection technique used is the triangulation technique which consists of observation, documentation, and interviews. The subjects in this study were all fabric ranges and nameplate in the city of Pangkalpinang, Bangka Belitung Islands which experienced errors in writing with the use of Indonesian. The results of this study are: the form of class that is often done is in writing sentences in foreign languages, the use of non-standard words, the use of abbreviated words that are not explained, and the use of local languages. and the lack of understanding of the owner of the fabric, the education of the owner or maker cannot be biased because there are still errors even though the education is high through S2, then the purpose of making it does not pay attention to the rules of writing. and almost all spandex fabric or nameplate no one gives input or criticism, it's just that there are some from the public who ask questions related to writing or related businesses.


2020 ◽  
Vol 5 (2) ◽  
pp. 147-166
Author(s):  
Muhammad Hudan Amirulloh

Krisis ekonomi yang melanda bangsa Indonesia sekarang ini, telah menggugah banyak pihak untuk memikirkan bagaimana mengembangkan usaha menengah kecil sebagai fundamen ekonomi Indonesia mendatang. Bangsa Indonesia yang merupakan kaum mayoritas Islam dituntut untuk berpartisipasi. Kemudian pada tahun 1992 berdirilah Bank Muammalat Indonesia sebagai bukti awal dari kepedulian umat Islam terhadap ekonomi Indonesia. Seiring bergulirnya waktu berdirilah Lembaga Keuangan yang berbasiskan Syari’at, salah satunya yaitu BMT. BMT sebagai Lembaga Ekonomi Syari’ah mempunyai amanah untuk mengembangkan ekonomi Islam, salah satunya dengan cara pengelolaan dan pemanfaatan SDM yang ada, dengan melaksanakan perekrutan sejumlah anggota sebagai staff yang berkualitas dengan tujuan untuk menghasilkan sejumlah anggota yang sesuai dengan apa yang diharapkan. Karena perekrutan anggota yang berkualitas sangat berpengaruh terhadap perkembangan BMT itu sendiri. Dengan demikian ekonomi Islam akan ikut berkembang dan maju. Penelitian ini bertujuan untuk mengetahui rekrutmen, fungsi rekrutmen, dan pola rekrutmen yang dilakukan di BMT Sanama Cileunyi Bandung, juga untuk mengetahui upaya penghimpunan dan penyaluran dana sekaligus upaya sosialisasi produk di BMT Sanama Cileunyi Bandung kepada masyarakat. Penelitian ini menggunakan metode deskriptif yang akan menggambarkan bagaimana rekrutmen, fungsi rekrutmen, pola rekrutmen, dan hasil daripada rekrutmen anggota di BMT Sanama Cileunyi Bandung. Sedangkan untuk teknik pengumpulan data, penulis melakukan teknik wawancara dengan staff dan pengurus BMT Sanama Cileunyi Bandung, teknik observasi, dan studi dokumentasi. Data yang ditemukan menunjukan bahwa fungsi rekrutmen menurut BMT Sanama yaitu: (1) Untuk memikat para pelamar (2) Untuk menyaring calon pelamar (3) Untuk menambah staff (pegawai) bagi BMT Sanama (4) Untuk memperluas jaringan kerja BMT Sanama (5) Agar bisa menambah jenis produk BMT Sanama (6) Agar lebih mudah mensosialisasikan segala jenis produknya. Sedangkan pola rekrutmen anggota yang dilakukan di BMT Sanama dilakukan dengan pola tertutup, dimana hanya pelamar-pelamar yang memenuhi kualifikasi perusahaan lah yang dapat melamar ke BMT Sanama. Adapun hasil yang dicapai dari pola rekrutmen yang diterapkan di BMT Sanama sangatlah berpengaruh terhadap perkembangan BMT, karena BMT Sanama menggunakan pola rekrutmen tertutup sehingga pelamar kerja yang masuk pun akan sesuai dengan yang diinginkan oleh BMT Sanama. The current economic crisis hitting the Indonesian nation has inspired many parties to think about how to develop small and medium enterprises as the foundation of Indonesia's future economy. The Indonesian nation, which is the majority of Muslims, is required to participate. Then in 1992 Bank Muammalat Indonesia was established as early evidence of the concern of Muslims for the Indonesian economy. As time went on, Syari'at-based financial institutions were established, one of which was BMT. BMT as a Shari'ah Economic Institution has the mandate to develop an Islamic economy, one of which is by managing and utilizing existing human resources, by recruiting a number of members as qualified staff with the aim of producing a number of members who are in accordance with what is expected. Because the recruitment of qualified members is very influential on the development of BMT itself. Thus the Islamic economy will also develop and advance. This study aims to determine recruitment, recruitment functions, and recruitment patterns carried out at BMT Sanama Cileunyi Bandung, as well as to determine efforts to raise and distribute funds as well as efforts to socialize products at BMT Sanama Cileunyi Bandung to the public. This study uses a descriptive method that will describe how the recruitment, recruitment function, recruitment patterns, and results of member recruitment at BMT Sanama Cileunyi Bandung. As for data collection techniques, the authors conducted interview techniques with staff and administrators of BMT Sanama Cileunyi Bandung, observation techniques, and study documentation. The data found shows that the recruitment function according to BMT Sanama is: (1) To attract applicants (2) To screen potential applicants (3) To add staff (employees) to BMT Sanama (4) To expand the work network of BMT Sanama (5) In order to add more types of BMT Sanama products (6) In order to make it easier to socialize all types of products. Meanwhile, the member recruitment pattern at BMT Sanama is carried out with a closed pattern, where only applicants who meet the company's qualifications can apply to BMT Sanama. The results achieved from the recruitment pattern implemented at BMT Sanama greatly influence the development of BMT, because BMT Sanama uses a closed recruitment pattern so that the incoming job applicants will match what BMT Sanama wants.


2019 ◽  
Vol 8 (1) ◽  
pp. 62
Author(s):  
Fajriah Fajriah ◽  
Kobajashi Togo Isamu ◽  
Titin Rahmiatin

This research aims to know (1) the business type of people in Torokeku Village, Bajo  Regency of South Wawoni Island (2) the available facilities and infrastructure in Torokeku village (3) strategies that can be done to develop household-based businesses in Torokeku village. This research used qualitative descriptive method. Subject of the research were the indigenous people of Torokeku, Bajo regency. Data collection techniques employed three techniques namely observation, interviews and documentation. The data were analyzed using Descriptive and SWOT analysis. The study found that (1) the type of business that were run by the inhabitants of Torokeku were dominated by seafood such as dried seaweed business, the selling dry and wet sea cucumber and fish fresh coral. In addition they also establish some household business such as making cake and drinks as well as grocery sales. Seen in terms of its economic, the dried sea cucumber bring more values rather than the dried seaweed; (2) several facilities and infrastructures have not met the requirements to support the household business run by the indigenous of Torokeku, in Bajo district. For example there is no any production space for processing of seafood. The selling products were only sold to regular buyer and the toilets have not been fulfilled (3) strategies that can be done to develop a household business is by promoting the Bajo neighborhood as a central processing of seaweed and sea cucumber to the public, arrange the environment and create a kiosk or sellers as well as seafood processing in order to be a sales center by traditional Tribal villages of origin Torokeku Bajo.


2022 ◽  
Vol 16 (2) ◽  
pp. 261-270
Author(s):  
Nawang Asri Ayuningtyas ◽  
Sulis Triyono

The use of satire language style by a film creator aims to convey meaning to the public. This study aims at analyzing the use of satire language styles used by Bu Tejo in a short film entitled "Tilik." This research used a qualitative descriptive method. The object of this research is satire utterances spoken by Bu Tejo in the film "Tilik." The data collection techniques in this study used observation, listening, and note-taking techniques. The results demonstrate three types of satire languages used by Bu Tejo in the film “Tilik": cynicism, irony, and sarcasm. It is also found that cynicism is the most spoken language than sarcasm. The study highlights that the use of satire language uttered by Bu Tejo aims to convey ideas and perspectives related to problems occurring in society and express dissatisfaction.


2019 ◽  
Vol 8 (1) ◽  
pp. 22-33
Author(s):  
Istiso Likhamelia ◽  
Bagus Susetyo

Classical music is not necessarily acceptable to all levels of society. Nevertheless, the Himasikstring Community of Yogyakarta State University has consistently been able to hold concerts with classic themes. One of the goals of this community is to introduce classical music to the community. The formulation of the problem in this research is how is the profile of the Himasikstring community and how is the presentation of Classical Night concerts at Yogyakarta State University in 2018. The research method used in the research is qualitative descriptive method. Data collection techniques used by researchers include, namely, literature studies, observation, interviews, and document studies. Based on the results of the study, it can be concluded that Himasikstring actively held classical music concerts and introduced classical music to the public since 2012, and Classical Night concerts consisted of elements of composition and presentation elements.


2017 ◽  
Vol 21 (3) ◽  
pp. 361
Author(s):  
Zarah Puspitaningtyas

The problems faced by small and medium enterprises (SMEs), one of which is lack of ability in business finance management. Businesses often feel confined in their ability to apply accounting because they are not yet accustomed to practicing accounting in the management of their business finances. The solution of these problems, then the businesses needs to get training and assistance in a sustainable manner related to the financial management of accounting-based business, so as to manage their business finances effectively. The purpose of this study is to know the culture of accounting-based financial management for businesses “batik” sector in Banyuwangi. The analysis was done by qualitative descriptive method, that is basing the result of observation and interview with informant. The results of the analysis concluded that accounting-based financial management can provide benefits for businesses to know the exact financial condition of the business, regulate and control the overall financial transactions that occur along the sustainability of its business. Therefore, businesses should familiarize (cultivate) to implement accounting-based financial management. The implication of the result of this study is expected to be composed of concepts related to the culture of accounting-based financial management for businesses actors, especially SMEs.


PATRIA ◽  
2019 ◽  
Vol 1 (2) ◽  
pp. 125
Author(s):  
Endi Sarwoko ◽  
Iva Nurdiana Nurfarida ◽  
Ninik Indawati ◽  
Moh. Ahsan

Abstrak — Kegiatan pengabdian pada masyarakat dilaksanakan di Desa Petungsewu Kecamatan Wagir Kabupaten Malang sebagai Desa Mitra, dengan fokus pada pemberdayaan usaha mikro kecil dan menengah (UMKM) dupa. Masalah yang dihadapi pengrajin dupa di desa Mitra adalah masih menghasilkan dupa mentah, kesulitan pemasaran sehingga pendapatan usaha masih rendah. Tujuan program adalah untuk meningkatkan pendapatan masyarakat pengrajin dupa melalui diversifikasi produk yaitu menghasilkan produk dupa wangi kemasan, dan penerapan strategi pemasaran produk dengan pola kemitraan. Metode yang diterapkan adalah pelatihan dan pendampingan produksi dupa wangi kemasan, penciptaan merek dagang, dan merintis kemitraan dengan pelaku usaha dupa yang sudah berhasil. Pelatihan dan pendampingan dilaksanakan sebagai bagian dari pengembangan hasil produksi atau diversifikasi produk, sehingga tidak hanya memproduksi dupa setengah jadi, tetapi mampu menghasilkan produk jadi dikemas dan siap dijual. Pola kemitraan yang dilakukan dengan cara perdagangan umum dalam bentuk kerjasama pemasaran, produk dari pengrajin dupa dari desa mitra disetorkan kepada pelaku usaha mitra untuk dijual. Hasil kegiatan pengrajin dupa sudah mampu menghasilkan dupa wangi kemasan dengan merk Gunung Katu sebagai produk unggulan, produk dupa wangi Gunung Katu mulai dikenal pasar, dan memperoleh nilai tambah usaha berupa peningkatan pendapatan.Abstract — Community service activities are carried out in Petungsewu Village, Wagir District, Malang Regency as Mitra Village, with a focus on empowering incense micro, small and medium enterprises (MSMEs). The problem faced by incense craftsmen in Mitra village is that it still produces raw incense, marketing difficulties so that business income is still low. The aim of the program is to increase the income of the community of incense craftsmen through product diversification, namely producing fragrant incense packaging products, and implementing a product marketing strategy with a partnership pattern. The method applied is training and mentoring the production of fragrant incense packaging, creating trademarks, and initiating partnerships with successful incense businesses. Training and assistance are carried out as part of the development of production or product diversification, so that not only producing semi-finished incense, but able to produce finished products that are packaged and ready for sale. The partnership pattern is carried out by means of general trading in the form of marketing cooperation, products from incense craftsmen from partner villages are deposited to partner business actors for sale. The results of the incense craftsman activity has been able to produce incense fragrance packaging with the Gunung Katu brand as a superior product, Gunung


2021 ◽  
Vol 4 (2) ◽  
pp. 477-494
Author(s):  
Ali Idrus ◽  
Ade Maman

One of the solutions proposed by Badan Amil Zakat Nasional is to form Lembaga Pemberdayaan Ekonomi Mustahik which has the task of improving the quality of life of mustahik through its programs. So, the purpose of this study is to find out how the role of Lembaga Pemberdayaan Ekonomi Mustahik Badan Amil Zakat Nasional in improving the economic welfare of mustahik. This study uses qualitative research methods that produce descriptive data. Where this research is based on observations made by the author and then explained according to what the author observed in the field. The data collection that the researchers did was using the method of observation, documentary interviews, and other data. When the data has been collected, the researcher conducts an analysis and then draws conclusions from the analysis. The results of this study are Lembaga Pemberdayaan Ekonomi Mustahik BAZNAS plays a role in the development of micro, small and medium enterprises (MSMEs) and focuses on potential creative businesses, empowers by providing business development capital assistance, in accordance with the budget draft proposed by mustahik, and approved by LPEM BAZNAS. Keywords: The Role of LPEM BAZNAS, Mustahik's Economic Welfare


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