Efektivitas Program Baznas Microfinance di Desa Bojong Rangkas Ciampea Bogor

2021 ◽  
Vol 4 (2) ◽  
pp. 192-202
Author(s):  
Sigit Febriansyah ◽  
Ikhwan Hamdani  ◽  
Gunawan Ikhtiono
Keyword(s):  
Financial Management ◽  
Small And Medium Enterprises ◽  
Management Training ◽  
Developed Countries ◽  
Productive Activities ◽  
Economic Development And Growth ◽  
Qualitative Descriptive ◽  
The Government ◽  
Medium Enterprises ◽  
Economic Improvement

Micro, small and medium enterprises (MSMEs) are proven to have played a role in economic development and growth, not only in developing countries but in developed countries as well. MSMEs are very important because this business sector absorbs more workers than large businesses. However, there is one problem faced by MSMEs in all countries, namely limited capital, which is mainly due to small or no access to banks or other financial institutions. In this case, zakat distributed to mustahiq will act as a supporter of their economic improvement if allocated to productive activities. The National Amil Zakat Agency (BAZNAS) is a zakat management institution established by the government that distributes zakat funds productively through a program, namely Baznas Microfinance. This study aims to determine how effective the Baznas Microfinance Desa program is in disbursing funds, to find out how effective the Baznas Microfinance Desa program is to improve MSME skills, and to find out what obstacles are faced by BMD Bojong Rangkas. This research is a qualitative research with a qualitative descriptive approach. Data collection techniques using interviews and documentation. Interviews were conducted with Baznas Microfinance in Bojong Rangkas Village. The results of the study show that Baznas Microfinance Desa provides loans only to zakat mustahik whose income is less than the minimum wage and the allocation is only for business. The maximum limit for applying for a loan is Rp. 2.500.000;- After getting a loan, there will also be a mentoring process carried out by BMD such as financial management training, product photos, marketing training, business development. Constraints faced by BMD Bojong Rangkas are the incompatibility of partners with the initial realization, delays in paying installments, and also many mustahik who do not know that in this program there is a business assistance process.

scholarly journals Financial Management for UMKM at the RW Level Discussion Forum in Tangerang City

2021 ◽  
Vol 6 (1) ◽  
pp. 86-90
Author(s):  
Afaf Boru Bulan Namora ◽  
Djenni Sasmita
Keyword(s):  
Financial Reporting ◽  
Financial Management ◽  
Small And Medium Enterprises ◽  
Management Training ◽  
Discussion Forum ◽  
Service Activity ◽  
The Government ◽  
Medium Enterprises ◽  
The City ◽  
And Training

The main objective of community service is to carry out financial management for MSMEs at RW level in Tangerang City. Micro, Small, and Medium Enterprises (MSMEs) are micro, small and medium enterprises which are one of the business sectors that still survived during the Indonesian economic crisis in 1998. These businesses can survive, because they do not depend on import trade or expect funding from banks. This financial management is carried out in a discussion forum at the RW level in the city of Tangerang to improve the welfare of the community in managing finances for micro businesses independently. The government realizes that financial management is one of the places for the community to empower and develop MSMEs. This service activity is carried out to manage finances in detail and properly managed at the RW level, Tangerang city. This implementation method consists of seminars and training. The results of the seminar and financial management training at the RW level discussion forum in the city of Tangerang went well because the participants received knowledge that was useful for training for the progress of their business. Based on the results of research carried out conducting umkm activities can improve detailed and correct financial management even though many people do not understand financial reporting in accounting, but because of the holding of seminars and training it has produced good results for the people of Tangerang city, thereby reducing unemployment.

scholarly journals ANALISIS STRATEGI PEMASARAN JAMUR TIRAM PUTIH (PLEUROTUS OSTREATUS) PADA USAHA DAGANG KENANGA DI KECAMATAN AMPENAN KOTA MATARAM

GANEC SWARA ◽  
2019 ◽  
Vol 13 (2) ◽  
pp. 375
Author(s):  
IDA AYU KETUT MARINI ◽  
IDA AYU NOPIARI ◽  
IDA BAGUS EKA ARTIKA
Keyword(s):  
Financial Management ◽  
Swot Analysis ◽  
Small And Medium Enterprises ◽  
Oyster Mushroom ◽  
Economic Entity ◽  
Technological Advances ◽  
Competitive Prices ◽  
Oyster Mushrooms ◽  
The Government ◽  
Medium Enterprises

   Micro, small, and medium enterprises (MSMEs) are one economic entity that continues to be encouraged by the government, because it can absorb labor, can reduce unemployment and also increase people's income   This research is carried out at UD Kenanga, which produces and markets oyster mushrooms in the city of Mataram. This research is a descriptive study that aims to determine marketing strategies. This research is analyzed by SWOT analysis.  The results show that UD Kenanga is strategically in quadrant II which shows that UD Kenanga is in a diversified strategy position. The conclusion of this study is the internal and external factors that influence the marketing strategy of white oyster mushrooms on UD. Kenanga consists of an affordable amount of capital, competent workforce, adequate product quality, strategic company location, competitive prices and able to produce their own seeds. Factors that become weaknesses are low production levels, not yet diversifying white oyster mushroom products, lack of a marketing system for white oyster mushroom products, limited production land, unprofessional financial management, no mushroom product promotion activities. Factors that become opportunities are broad market share, high purchasing power, government intervention, demand for oyster mushroom products is increasing, technological advances. Threatening factors are inter-company competition, changing seasons, consumer demands for quality mushroom products, rising fuel prices.   Suggestions for companies, to diversify the company's products By diversifying products, so as to increase new customers or consumers. For the government, to pay more attention to the needs of micro businesses, especially to increase activities or technical training related to white oyster mushroom products. 

scholarly journals Covid-19 financial distancing for MSMEs in Kenya

2021 ◽  
Vol 10 (3) ◽  
pp. 357-362
Author(s):  
Nathan Mwenda Mutwiri
Keyword(s):  
Financial Management ◽  
Small And Medium Enterprises ◽  
Management Skills ◽  
Institutional Reforms ◽  
Microsoft Excel ◽  
Decision Usefulness ◽  
Descriptive Research ◽  
The Government ◽  
Medium Enterprises ◽  
Analyze Data

The Micro Small and Medium Enterprises (MSMEs) are important for every nation’s economic development. They provide employment and spur the growth of multiple sectors in the economy.  The Covid-19 pandemic has negatively affected MSMEs' performance. The study seeks to demonstrate why COVID 19 may lead to the terminal quarantining of MSMEs. The study is anchored on decision usefulness and information asymmetry theories. The study adopted a descriptive research methodology and sampled MSMEs within Nairobi City County. The study used SPSS to analyze data in addition to Microsoft excel. The study found that over 70% of MSMEs had their sales decline by over 65% while 95% of them had their sales decline by over 30%. The study found that about 68% of MSMEs lacked financial management skills. The study recommends that with legal and institutional reforms, the government needs to develop a financing framework for MSMEs.  

scholarly journals Development of Micro, Small and Medium Enterprises (MSME) to Strengthen Indonesia’s Economic Post COVID-19

2021 ◽  
Vol 12 (2) ◽  
pp. 19
Author(s):  
Emi Suwarni ◽  
Maidiana Astuti Handayani
Keyword(s):  
Information Technology ◽  
Social Media ◽  
Digital Media ◽  
Swot Analysis ◽  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Qualitative Descriptive ◽  
The Government ◽  
Medium Enterprises

This study aims to find the strategy of developing MSMEs based on potential and opportunities in the period of covid-19. The research object is the MSME unit in Bandar Lampung City, especially MSME banana chips. This study used qualitative descriptive analysis with SWOT analysis. Based on the results it is known that the position of MSMEs is in quadrant I. The strategy of developing MSMEs is to increase the potential and take advantage of opportunities. One of the strategies is the utilization of information technology and social media in the development of MSMEs of the region's flagship banana chip products. The results of this research are expected to be useful as consideration for MSMEs to develop their businesses even during the COVID 19 pandemic. Likewise, for the government to actively socialize the use of digital media for MSMEs so that MSME development will increase. The limitation of this research is that it has not quantitatively calculated the role of social media and information technology in MSME development. This could be an opportunity for further research

scholarly journals DAMPAK PERLAKUAN PERATURAN PEMERINTAH NOMOR 46 TAHUN 2013 ATAS PAJAK PENGHASILAN PADA UMKM DI GRESIK

2014 ◽  
Vol 5 (2) ◽  
pp. 195
Author(s):  
Faiqotul Ilmia ◽  
Sri Andriani
Keyword(s):  
Income Tax ◽  
Government Regulation ◽  
Small And Medium Enterprises ◽  
Tax Rates ◽  
Net Income ◽  
Directorate General ◽  
Qualitative Descriptive ◽  
The Government ◽  
Medium Enterprises ◽  
The Impact

In achieving the desired development by Indonesia, the government requires revenue from the State Tax Revenue and Non-Tax Revenues. One of the efforts undertaken by the Directorate General of Taxation (DGT) is enacted Government Regulation No. 46 of 2013, the tax base used is the gross turnover of each month at 1 % final income tax rates. The emergence of these regulations is to provide convenience for taxpayers in determining the amount of income tax payable, but enactment of these rules in the middle of giving trouble for taxpayers in the calculation, depositing and reporting taxes for the year 2013. Purpose of this study was to determine the impact of treatment of PP 46 of 2013 on income tax on Micro, Small and Medium Enterprises (SMEs) in Gresik skull cap industry. This study used a qualitative descriptive approach with the aim of obtaining a picture of the object that is easily observed in the form of words on the focus of research on the impact of the enactment of Regulation 46 of 2013. The 3 (three) object of research is no skull cap Industry SMEs in Gresik . Data analysis aims to simplify the data processed, making it easy to read and interpret. Data were collected by means of observation, interviews, documentation. Analysis of the data through three stages: data reduction, data display, and conclusion. The results showed that the enactment of Regulation 46 of 2013 not only creates difficulties in terms of computation, depositing and reporting just as effective mid-year, but still there who do not know the regulations in terms of both has been the enactment of these regulations and in terms of the calculation mechanism. As for other effects of the government’s enactment of legislation, namely the amount of income tax payable is higher than the income tax calculations using norm bookkeeping or net income.

scholarly journals Characteristics and Problematics of UMKM in Ponorogo

2020 ◽  
Vol 15 (1) ◽  
pp. 91
Author(s):  
Dwiati Marsiwi ◽  
Asis Riat Winanto ◽  
Purwanto Purwanto
Keyword(s):  
Financial Management ◽  
Small And Medium Enterprises ◽  
Accounting Standards ◽  
For Profit ◽  
Management Procedures ◽  
Food And Beverage ◽  
The Government ◽  
Medium Businesses ◽  
Medium Enterprises ◽  
Role Of The Government

Small, Micro and Medium Enterprises (UMKM) currently have good developments, especially in the food and beverage sector. Even though the area of business is small, it does not need to be underestimated that this business also needs funds/finance. Financial management and reporting for micro, small and medium businesses are often considered difficult. On the other hand, the Indonesian Accountants Association has applied Accounting Standards which are easier to implement in small business actors, namely the Financial Accounting Standards for Micro, Small and Medium Enterprises (SAK-EMKM), effective in 2018. This research aims to explore further information about the existence and evaluation of financial management by UMKM. This study also aims to develop a design (model) of financial management procedures that are easily implemented by UMKM and is in accordance with SAK-EMKM. This research is qualitative research with an in-depth interview method. The informants chosen were food and beverage UMKM in Ponorogo Regency. Based on data obtained from 5 informants, then an analysis is carried out with rational interpretation. This study also obtained information from the Ponorogo Perdagkum related to how the role of the government plays in the management of UMKM.Food and beverage business people choose this business field because it is considered to have great potential for profit because food and beverages are their basic needs. i. Financial management at food and beverage UMKM is still very simple, in the form of simple records, not yet differentiating personal assets from the business, so that it is difficult to determine profits. This has the effect of not being able to compile the financial statements of food and beverage UMKM in the Ponorogo Regency according to SAK EMKM.

scholarly journals How are small and medium enterprises in Malaysia’s furniture industry coping with COVID-19 pandemic? Early evidences from a survey and recommendations for policymakers

BioResources ◽  
2020 ◽  
Vol 15 (3) ◽  
pp. 5951-5964
Author(s):  
Jegatheswaran Ratnasingam ◽  
Albert Khoo ◽  
Natkuncaran Jegathesan ◽  
Lum Chee Wei ◽  
Hazirah Ab Latib ◽  
...  
Keyword(s):  
Supply Chain ◽  
Financial Management ◽  
Small And Medium Enterprises ◽  
Movement Control ◽  
Financial Strain ◽  
Furniture Industry ◽  
Supply Chain Disruptions ◽  
The Government ◽  
Medium Enterprises ◽  
The Impact

In the wake of the global COVID-19 pandemic and the subsequent movement control order (MCO) in Malaysia, an on-line survey was undertaken involving 748 small and medium enterprises (SMEs) in the furniture industry. The main objective was to examine the impact of the pandemic and the subsequent MCO on the various business aspects of the SMEs as well as to make recommendations to the government on supportive measures for the SMEs. The survey found that although all aspects of the business were impacted, the two major concerns of the SMEs during this crisis were the financial management and the supply chain disruptions. Inevitably, it was found that most of the SMEs were operating well below capacity, which was a huge financial strain on their business viability. It was recommended that the government provide measures to help the SMEs manage their cash-flow and ease the restrictions to facilitate supply-chain commencement that is crucial to their business. The survey also revealed that most SMEs acknowledged the importance of automation and the adoption of technologies. Respondents regarded the shift towards Industry 4.0 was inevitable as a means increase their resilience when facing future uncertainties.

PROGRAM PENGEMBANGAN KEWIRAUSAHAAN MAHASISWA DAN ALUMNI STMIK KAPUTAMA SECARA ONLINE

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Indah Ambarita ◽  
Anton Sihombing ◽  
Relita Buaton
Keyword(s):  
Computer Science ◽  
Small And Medium Enterprises ◽  
Technological Development ◽  
Developed Countries ◽  
Online Marketing ◽  
Basic Knowledge ◽  
Entrepreneurship Training ◽  
The Government ◽  
Medium Enterprises ◽  
And Behavior

Developed countries in general are the countries that have many entrepreneurs because they can create jobs, reduce unemployment and contribute to state revenue. Technological development has a correlation with lifestyle and behavior. The internet is not only used to access information, but is also used for business facilities and buying and selling transactions. Currently conventional marketing is less than optimal. Therefore, entrepreneurs are directed to utilize information technology or commonly called commercial electronics as a medium of promotion and sale. This has become a huge opportunity for students or alumni of computer science such as STMIK Kaputama students and alumni. Small and Medium Enterprises (SMEs) in many regions are successful in terms of production, but they have problems in terms of marketing and sales. This has the potential to be developed by young, new and creative entrepreneurs by involving students and alumni to synergize with SMEs and entrepreneurs to deal with online marketing and sales issues, so that market and sales are increasing. The solution provided is making entrepreneurship training by providing various life skills and adding insight into entrepreneurship, e-commerce training, graphic design training, mentoring and supervision. Thus, students and alumni are generally interested in entrepreneurship, and are more easily trained to become entrepreneurs because in lectures they already have basic knowledge of entrepreneurship and computer science and help the government to create jobs and reduce unemployment.Keywords: Increasing entrepreneurship, increasing sales of SMEs, online entrepreneurship, e-commerce

scholarly journals Pelatihan Akuntansi bagi Entitas tanpa Akuntabilitas Publik Berbasis Usaha Mikro pada PKK RW 06 Kelurahan Serdang Jakarta Pusat

2018 ◽  
Vol 1 (1) ◽  
pp. 81
Author(s):  
Mulyaning Wulan Wulan ◽  
Ummu Salma Al Azizah
Keyword(s):  
Financial Management ◽  
Small And Medium Enterprises ◽  
Accounting Standards ◽  
Financial Statements ◽  
Financial Accounting ◽  
Role Of Government ◽  
The Government ◽  
The Right ◽  
Medium Enterprises ◽  
Micro Enterprises

The role of government in the development of Micro Small and Medium Enterprises (MSMEs) has been proven by the issuance of Financial Accounting Standards for Non Public Accountantless Entities as well as Accounting Standards for Micro, Small and Medium Enterprises (MSMEs Standard) issued by the Indonesian Institute of Accountants (IAI). The application of standards that have been made by the government requires the right mediator. The most higher education institutions (universities) have human resources (HR) that can help the government to transfer the information. This can be done through Community Service which is one of the Tri Darma Program in University. In general problems in business management for micro enterprises are very diverse. The problems that occur include: marketing (marketing), financing, location, security and making simple financial statements for their entity. Training of financial statement preparation is an offer to answer the problem. The number of micro enterprises in RW 06 area is potential to be assisted by the financial management. Good management requires the support of the business report, in this case is the financial statements. Society needs knowledge to make reporting in accordance with existing standards.

scholarly journals Pelatihan pembinaan UMKM berbasis Teknologi Informasi untuk meningkatkan SDM pelaku UMKM

2021 ◽  
Vol 2 (2) ◽  
pp. 212-219
Author(s):  
Mahpuz Mahpuz ◽  
◽  
Hariman Bahtiar ◽  
Fathurahman Fathurahman ◽  
Amri Muliawan Nur ◽  
...  
Keyword(s):  
Information Technology ◽  
Financial Management ◽  
Millennial Generation ◽  
Small And Medium Enterprises ◽  
Training Activity ◽  
Indonesian Government ◽  
Coaching Training ◽  
The Government ◽  
Medium Enterprises ◽  
Business Sectors

Micro, Small, and Medium Enterprises (MSMEs) in Indonesia are currently one of the business sectors that can assist the government in employing the community. The Indonesian government, in its policies, has allocated many funds to increase the interest of the millennial generation in the field of entrepreneurship, especially various types of technology-based businesses such as startups, so that the Indonesian economy is growing. This training activity for assisting MSME actors aims to improve the ability of MSME actors ability to develop their business through information technology assistance. Improve knowledge of financial management and e-commerce for MSME actors and mastery of Information Technology for MSME actors. The participants came from 3 sub-districts in East Lombok Regency, namely Sukamulia, Selong, and Labuan Haji. The MSME coaching training involved 100 MSME participants in 3 sub-districts. MSME actors are given an understanding of the use of e-commerce and the importance of using technology in developing MSME products to increase their income. Implementing this activity is by practicing using various available promotional platforms, such as YouTube, Instagram, and Google Business. The results obtained are that MSME actors can master the basics of using the promotion platform that has been taught

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