scholarly journals Pengembangan Prototype Sistem Informasi Simpan Pinjam Koperasi Pribadi Manjung Ngawen Klaten

2021 ◽  
Vol 5 (1) ◽  
pp. 13-29
Author(s):  
Maria Atik Sunarti Ekowati ◽  
Endang Satyawati ◽  
Retno Palupi ◽  
SM Santi Winarsih
Keyword(s):  
Foreign Language ◽  
System Development ◽  
Drop Out ◽  
Business Unit ◽  
Joint Effort ◽  
Savings And Loans ◽  
Business Units ◽  
The People ◽  
Savings And Loan ◽  
Development Objectives

The term cooperative comes from the foreign language co-operation. Cooperative means joint effort. A cooperative is a business unit that collects and distributes funds for members of the cooperative itself. One of the cooperative business units is a savings and loan cooperative. Each member of the Savings and Loans Cooperative must make savings in accordance with the cooperative's provisions. Members can make loans, managed transactions are member savings transactions and member loan transactions. Savings and loan cooperative funds come from cooperative members. Because this savings and loan really helps the needs of members, if this savings and loan facility is dissolved because there is no coordination in data processing on savings and loans, the people in ngawen, manjung, will be less viable for their livelihoods, so that many children drop out of school, the result will be to destroy the nation's development and the state, because of that, it is necessary to develop a Manjung Ngawen Cooperative UMKM Savings and Loan Information System. Development objectives help, facilitate and accelerate cooperative administration in managing transactions. The method used by WatterFall, the result of system development is that the system can help calculate loan interest, loan installments, remaining unpaid loans, share SHU for each member and display data on reports on deposits, loans, and member payments.

scholarly journals Pemberdayaan Masjid sebagai Fungsi Sosial dan Ekonomi bagi Jamaah Pemegang Saham Unit Usaha Bersama

2019 ◽  
Vol 19 (2) ◽  
pp. 163
Author(s):  
Ariana Suryorini
Keyword(s):  
Business Unit ◽  
Social Functions ◽  
Business Units ◽  
The People ◽  
Retail Business ◽  
Capital Owner ◽  
Positive Perspective ◽  
Strategic Position ◽  
Capital Ownership ◽  
Economic Function

<p>The function of the mosque is very universal, other than in the religious field, the mosque also has other functions which include religious/worship functions, educational functions, unifying functions of the people, social functions and economic functions. Islam places the mosque in a strategic position. Considering the strategic function of the mosque, it is necessary to provide good guidance, in terms of the physical building and the aspects of its prosperity. The mosque is expected to be a center of social and economic activity for its worshipers, not just a center for worship activities. Mosque empowerment is very important because it can provide a positive perspective related to the utilization of human resources through the empowerment of mosques for the welfare of Muslims. In the economic function of the empowerment of the Sirathal Mustaqim mosque through the activities of the Joint Business Unit (UB), whose ownership is pilgrims who have equity participation or capital ownership, which they refer to as shares of the business units they run, where profits are distributed to the owners or accompanying members of the capital in a meeting of capital owner members every year. The Joint Business Unit (UB) is named UB Rejeki Barokah, whose economic function activities are very diverse, both in the retail business of kiosks, services and goods credit business.</p><p> </p><p>Fungsi masjid sangat universal, selain di bidang keagamaan, masjid juga mempunyai fungsi lain yang meliputi fungsi keagamaan/peribadatan, fungsi pendidikan, fungsi pemersatu umat, fungsi sosial dan fungsi ekonomi. Islam menempatkan masjid dalam posisi yang strategis. Mengingat fungsi masjid yang strategis maka perlu pembinaan secara baik, dari segi fisik bangunan maupun segi kegiatan pemakmurannnya. Masjid diharapkan bisa menjadi pusat aktivitas sosial dan ekonomi bagi para jamaahnya, tidak hanya menjadi pusat kegiatan ibadah saja. Pemberdayaan masjid menjadi hal yang sangat penting karena dapat memberikan perspektif positif terkait pemanfaatan sumber daya manusia melalui pemberdayaan masjid untuk kesejahteraan umat Islam. Dalam fungsi ekonomi pemberdayaan masjid Sirathal Mustaqim melalui aktivitas unit Usaha Bersama (UB), yang kepemilikannya adalah jamaah yang mempunyai penyertaan atau kepemilikan modal, yang mereka sebut seperti saham dari unit usaha yang mereka jalankan, dimana keuntungannya dibagikan kepada jamaah pemilik atau penyerta modal tersebut dalam rapat anggota Pemilik modal setiap tahunnya. Unit Usaha Bersama (UB) tersebut bernama UB Rejeki Barokah, yang aktivitas fungsi ekononominya sangat beragam, baik dalam usaha retail kios, jasa maupun usaha perkreditan barang.</p>

scholarly journals PEMBERDAYAAN EKONOMI MASYARAKAT MELALUI BADAN USAHA MILIK DESA (BUMDES)

2020 ◽  
Vol 6 (1) ◽  
pp. 91
Author(s):  
Neneng Rini Ismawati
Keyword(s):  
Field Research ◽  
Economic Empowerment ◽  
Business Unit ◽  
Business Units ◽  
The People ◽  
The Social ◽  
Low Education ◽  
Microfinance Institution ◽  
Village Government ◽  
The Village

Development and empowerment are things that are commonly discussed for the progress and change of the nation at this time. One of the efforts of the village government in overcoming the problem of poverty is the formation of Village-Owned Enterprises (BUMDES). This study aims: 1) to explain the social conditions of the people of Teluk Terate Village, 2) to explain how to empower the community's economy through BUMDES. 3) to explain how the results of community economic empowerment through BUMDES. In this study, I used descriptive qualitative research methods with field research. The results of this study indicate that the community feels helped by the existence of BUMDES Sabar Subur. 1) One of them is by sending a number of residents who are unemployed due to low education factors to the Manpower Services Unit, 2) Community economic empowerment through BUMDES runs well through the stages of awareness, training, mentoring and evaluation. And has several business units such as Sharia Microfinance Institution Business Unit (LKMS), Training and Employment Business Unit, Production and Trade Business Unit and Service and Rental Business Unit. 3) With the existence of this business unit, the people of Teluk Terate Village already have a business of cassava chips, catfish farms, and several quite large stalls. And seen from the inhibiting factors, it is hoped that the management of BUMDES can be even better with innovations and new BUMDES board members.

scholarly journals The Community Dedeication Kampung Pulo geulis, Babakan Pasar, Kota Bogor Business Group Through Coaching And developing Saving and Loan Business Unit Passing Covid-19 Pandemic Time.

2020 ◽  
Vol 2 (2) ◽  
pp. 40-48
Author(s):  
Rodiana Listiawati
Keyword(s):  
Business Group ◽  
Business Unit ◽  
Savings And Loans ◽  
High Interest ◽  
Savings And Loan

Abstract       The main problem faced by Babakan Pasar Kampung Pulo Geulis exactly in RW IV Bogor City is the difficulty of getting credit for micro business so that they lend to Bank Keliling with high interest. The purpose of this community dedication is to transfer knowledge about the importance of forming saving and loan unit and motivate to develop saving and loan unit that has been established since last year.  The method provided to management and members of savings and loan is coaching by means of counseling to them and giving the guidance how to develop savings and loan business unit. They are to be trained how to record and make simple book keeping so that the members of savings and loan unit can know the amount of deposits and funds in a year. The sample of this community dedication is all members of savings and loan that is also as owners of micro unit who have already become the members of this unit for a year as training participants. After coaching and counseling, this savings and loans unit can get the benefit of them and also increase the member. The target of this dedication activity is to develop this unit and assist it by giving loan to its member as micro business actor.  Keywords: micro business, savings and loan unit, Kampung Pulo Geulis.

scholarly journals BUNGA PINJAMAN DALAM PERSPEKTIF KEADILAN (Studi Kasus Bunga Pinjaman di KPRI Nusantara IAIN Walisongo)

2016 ◽  
Vol 4 (1) ◽  
pp. 1
Author(s):  
Ghufron Ajib
Keyword(s):  
John Rawls ◽  
Financial Services ◽  
Participant Observation ◽  
Primary Data ◽  
Present System ◽  
Business Unit ◽  
Savings And Loans ◽  
Savings And Loan ◽  
The Subject ◽  
Loan System

<p><em>The subject matter of this study motivated several considerations. The first is that justice is the main  major Islamic mission, including social and economic justice. The opponent of justice, namely zhulm (injustice), according to the modernist is  raison d'etre of  usury prohibition, and be decisive for usury  legal issues. Second, that since 1990 up to the present system of Shari'ah financial institutions more firmly and growing rapidly with the issuance of Law number  21, 2008 On Islamic Banking and the issuance  Minister of Cooperative Regulation 91, 2004 On Guidelines for the Implementation of Activities Cooperative Business Financial Services Shariah. While the savings and loan business unit in KPRI ‘Nusantara’ since its establishment, in 1973, untill now still running a conventional loan system. In this study, primary data, the loan system and the pattern of calculating interest on savings and loans unit KPRI Nusantara, collected using three methods: participant observation, and interviews with the management and documentat.</em><em></em></p><p><em>By using the concept of social justice of John Rawls, the concept maqashid al-Sharia, and the concept of Islamic financial cooperative systems, researchers discuss the issue through three aspects of justice, namely the aspect of contract, the consistency aspect of interest, and justice aspects of cooperatives. Two discussion of this study conclude the absence of justice, namely the aspects of the contract and consistency aspects of interest. The final discussion concludes that there is justice, which is the aspect justice cooperatives.</em></p>

scholarly journals Pendampingan dan Sosialisasi Penyusunan Risk Management pada KSP “Delta Surya Purnama”

2021 ◽  
Vol 6 (2) ◽  
pp. 190-196
Author(s):  
Mas'adah Mas'adah ◽  
Cuk Triono Singgih ◽  
Siti Musyarofah ◽  
Moh. Falikhul Isbah
Keyword(s):  
Risk Management ◽  
Community Service ◽  
Business Unit ◽  
Savings And Loans ◽  
Credit Management ◽  
Knowledge And Skills ◽  
Savings And Loan ◽  
Service Activities ◽  
Service Activity

Cooperatives in order to improve the welfare of their members form a savings and loan unit. However, in its development, the existence of the Jombang branch of the Delta Surya Purnama Savings and Loans Cooperative often experiences loan problems in risk management in the form of bad credit. Based on the problems faced by the management of the Delta Surya Purnama Savings and Loan Cooperative, the purpose of this Community Service activity is to provide socialization and assistance in preparing Risk management on credit management so as to minimize bad credit. The methodology used is carried out in the form of outreach/counseling and assistance in preparing Risk Management for good credit management. The results of Community Service activities are expected to increase the knowledge and skills of the administrators and members of the Jombang branch of the Delta Surya Purnama Savings and Loans Cooperative related to knowledge about risk management. The conclusion from this activity is that the Delta Surya Purnama Savings and Loan Cooperative in order to improve the welfare of members are allowed to run a savings and loan business unit. However, in its development, the Savings and Loans Cooperative often faces bad credit problems caused by the failure of the management who handles credit to collect.

scholarly journals APLIKASI PREDIKSI KELAYAKAN CALON ANGGOTA KREDIT PADA KSPPS BMT ARTA JIWA MANDIRI WONOGIRI MENGGUNAKAN ALGORITMA K-NEAREST NEIGHBOR

2019 ◽  
Vol 3 (2) ◽  
pp. 84
Author(s):  
Yogiek Indra Kurniawan ◽  
Farida Angguntina
Keyword(s):  
Data Mining ◽  
Nearest Neighbor ◽  
K Nearest Neighbor ◽  
Timely Manner ◽  
Nearest Neighbor Algorithm ◽  
Savings And Loans ◽  
Research Results ◽  
The People ◽  
Savings And Loan ◽  
K Nearest Neighbor Algorithm

An economy that tends to be unstable causes many people to make loans at banks and cooperatives to meet their increasing daily needs. But there are some people who cannot return the loan in a timely manner. These problems can be created or developed by an application that is used to predict whether the people who apply for loans can return loans smoothly, smoothly and stall. Use of attributes such as gender, age, type of work, number of loans, term of return, collateral and income and use the K-Nearest Neighbor algorithm to make predictions. From the research results obtained in the form of accuracy value of 80%, recall of 91% and preciison of 85%. Thus this application can be used to help the pinjman savings cooperative in considering prospective savings and loan credit members who deserve a capital loan. Keywords: data mining, K Nearest Neighbor, cooperatives, savings and loans.

scholarly journals ECONOMIC PROTECTION TOWARD FINANCIAL MANAGEMENT HAJJ FUNDS: INDONESIAN CASE

2020 ◽  
Vol 4 (02) ◽  
pp. 163
Author(s):  
Muhammad Iqbal Fasa ◽  
Adib Fachri ◽  
Ghina Ulfah Saefurrohman ◽  
Ahmad Hazas Syarif ◽  
Suharto Suharto
Keyword(s):  
Drinking Water ◽  
Financial Management ◽  
Business Unit ◽  
Payment Systems ◽  
Economic Independence ◽  
New Model ◽  
Bottled Drinking Water ◽  
Business Units ◽  
Convenience Stores ◽  
The People

The potential for Haj funds in Indonesia is enormous. However, the long queues to perform the Haj pilgrimage lasted up to 17 years. The state has not wholly-owned facilities for operational needs. This study offers a new model in the management of Hajj funds in Indonesia. The offer in this research is the formation of economic independence protection by developing business units such as accommodation facilities in Mecca and Medina, Hajj planes, tours and trips, catering, hajj and umrah equipment stores, convenience stores, Indonesian culinary specialties, convection, e-payment systems. Hajj, Bottled Drinking Water, Sukuk Investment, and Other Investments. All of the profits from these funds are turned back for capital and business unit development. Thus, all the benefits of the hajj fund will again be felt by the people of Indonesia.

THE POWER OF LANGUAGE AND THE LANGUAGE OF POWER

2020 ◽  
pp. 96-105
Author(s):  
Lyudmila A. Khalilova ◽  
Keyword(s):  
Foreign Language ◽  
Language Instruction ◽  
Educational Process ◽  
Foreign Language Instruction ◽  
Conceptual Approach ◽  
Analytical Skills ◽  
The People ◽  
Innovative Environment ◽  
A Chain ◽  
And Behavior

A language cannot be a simple template of human activity; a language is the history and culture of the people, their long and thorny road to civilization. The informative nature of a discourse will be insignificant if we only take into consideration the visible data of the text. The single viable way to carry out research on the mentality and behavior of the representatives of different cultures is to dig into the implication and the conceptual framework of the discourse. The author’s idea might be interpreted according to the background knowledge of the reader. Such an approach turns the text into a conglomerate of sense messages that reveal the power of the language and its inextricable link to the history, culture and civilization of the nation whose language the students learn. This notional “intervention” is akin to a chain reaction and the language develops into a means of power over a human being. The conceptual approach to a foreign language material helps improve students’ cognitive and analytical skills, turns the educational process into a particular type of an innovative environment, leads to motivation increase in a foreign language instruction.

PENGARUH AKTIVA TETAP DAN AKTIVA LANCAR TERHADAP PENDAPATAN PADA SIMPAN PINJAM PEREMPUAN UPK GERBANG SARI KECAMATAN RENGAT BARAT

2019 ◽  
Vol 7 (2) ◽  
pp. 101-108
Author(s):  
Angga Hapsila
Keyword(s):  
Hypothesis Testing ◽  
Significant Influence ◽  
Quantitative Methods ◽  
Correlation Coefficients ◽  
Multiple Correlation ◽  
Savings And Loans ◽  
Savings And Loan ◽  
Fixed Assets ◽  
Multiple Determination ◽  
Regression Correlation

This research is about savings and loans for women UPK Gerbang Sari, Rengat Barat District. The research lasted for 5 (five) months. This research try to determine the effect of whether there was a significant influence between fixed assets and current assets on income on women's savings and loans UPK Gerbang Sari, Rengat Barat District. The formulation of the problem to be investigated is whether there is a simultaneous and partial effect between fixed assets and current assets on women's savings and loan income UPK Gerbang Sari, Rengat Barat District. This research used quantitative methods, that illustrates whether there is a significant influence between fixed assets and current assets on income on savings and loans for women UPK Gerbang Sari, Rengat Barat District. To analyzed the data, this research used multiple regression, correlation coefficients, and Hypothesis testing which will be assisted using SPSS version 21. From the results of the study with the regression equation Y = 1,379,231-1,075 X1 + 0,214X2. This means: a = if the fixed assets and current assets are equal to Zero (0), then the value of income is equal to 1,379,231. The coefficient of multiple correlation R is 0.686. and furthermore tested with multiple determination Keofisie (R2 is 0.471. This indicates that (X1) fixed assets and (X2) current assets have together an influence of 47.10% and the remaining 52.90% is influenced by variables other than ( X1) and (X2). Hypothesis testing in which F arithmetic (0.891) <Ftable (3.00), then there is no significant effect simultaneously between fixed assets and current assets to income on savings and loans for women in UPK Gerbang Sari, Rengat Barat District.

scholarly journals Penyelesaian Kredit Macet Melalui Upaya Litigasi di Koperasi Simpan Pinjam Surya Mandiri di Kabupaten Gianyar

2021 ◽  
Vol 2 (2) ◽  
pp. 440-446
Author(s):  
I Putu Surya ◽  
I Nyoman Sukandia ◽  
Ni Komang Arini Styawati
Keyword(s):  
Dispute Resolution ◽  
External Factors ◽  
Human Being ◽  
Internal Factors ◽  
Savings And Loans ◽  
Savings And Loan ◽  
Empirical Law ◽  
Research Problems ◽  
Settlement Of Disputes

Economic developmentin era globalization increasing, with finance becoming necessity for every human being. research problems are: What factors cause bad credit at Surya Mandiri Savings and Loans Cooperative Gianyar Regency and how bad credit settlement efforts through litigation at Surya Mandiri Savings and Loan Cooperative Gianyar Regency This type research used Empirical Law. the factors that cause bad credit  in cooperatives are internal factors that cause bad credit originating from the cooperative itself, external factors are factors that cause bad credit originating from customer side. Non-litigation is settlement of disputes outside the court that closed to public and the confidentiality of the parties guaranteed. Litigation dispute resolution is dispute resolution carried out through the court. It can be concluded that factors that cause bad credit at Surya Mandiri Savings and Loan Cooperative in Gianyar Regency are internal factors and external factors. The settlement of bad credit at Surya Mandiri Savings and Loan Cooperative in Gianyar Regency can be done by non-litigation and litigation. should not only pursue profit, but must be more assertive and apply the principle of prudence and Head of the cooperative credit department must be more careful providing loans to borrowers.

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