Peran Badan Usaha Milik Desa (BUM-Des) dalam Meningkatkan Pendapatan Usaha Kecil Menengah (UKM) di Desa Gerung Permai, Kecamatan Suralaga, Kabupaten Lombok Timur

Small and Medium Enterprises (SMEs) are one of the pillars of the domestic economy, especially for village government. However, they often do not get good support from the village government. Therefore, the government must involve the existence of Village-Owned Enterprises (BUMDes) to increase the income of SMEs so that they can improve the village economy. Village-Owned Enterprises have become a pillar of social economy (social economy) and commercial (commercial Institution) for people who want to manage and develop the potential and needs of villages to be used as business facilities in increasing village community income, as well as contributing to good social service and presentation. Meanwhile, as a commercial institution, it aims to seek profit through offering local resources (goods and services) to the community. This research uses a qualitative descriptive approach that emphasizes understanding the design of the proposed social phenomenon approach from the subject of the research perspective. This research was conducted in Gerung Permai Village, Suralaga District, East Lombok Regency by involving BUMDes Management and UKM actors as sources of data taken by means of interviews and questionnaires. The results of the research are that BUMDes Gerung Permai, Suralaga District, East Lombok Regency supports the existence of SMEs as a means to improve the community's economy. Therefore, BUMDes plays an active role in providing assistance to SMEs in the form of savings and loans with only one percent interest.

TOURIST GUIDES, COVID 19 AND SURVIVAL MECHANISMS IN SOUTH AFRICA

The main aim of this research was to investigate the survival mechanisms employed by tourist guides in the context of the Covid 19 Pandemic. A mixed method research design was adopted, using in-depth interviews with key tourism informants and surveys administered to tourist guides in Gauteng. A total of five key informant interviews and two hundred surveys were collected at the end of the data collection period. Key findings indicate that many tourist guides were unable to access the aforementioned fund and had to implement their own short and long-term survival mechanisms. In many cases, various cost cutting measures were implemented and the utilization of personal savings and loans. Other guides temporarily engaged in different employment to secure an income. This study presents policy and systemic recommendations, which, if accepted and implemented, could assist the reignition of the tourist guide profession post-pandemic and ensure they form part of the tourism sector recovery trajectory. Additionally, further research on tourist guides in South Africa needs to be conducted, to fully understand the various aspects of this profession in the country.

Peran Produk Rahn Dalam Penguatan Usaha Untuk Meningkatkan Pendapatan Nasabah di Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Kramat Cabang Jatiarjo Kecamatan Prigen Pasuruan

Financial institutions have a role as intermediary institutions or a process of transferring funds from savers to borrowers or those who need funds. The role of financial institutions is very large in the growth and development of the community's economy. Currently, non-bank financial institutions also have the influence to develop the businesses of the surrounding community that cannot be reached by banks. One of them is in the Sharia Savings and Loans Cooperative (KSPPS) Kramat, which provides financing with rahn products. Researchers conducted research on the implementation of rahn products and strengthening the business of members in KSPPS Kramat. The purpose of this study was to determine the application of Rahn products and to determine the effect of Rahn financing in increasing income and strengthening businesses that were built or even being run by members. The research conducted at KSPPS Kramat uses qualitative research methods, by interviewing several members of KSPPS Kramat and their administrators. While the data collection techniques carried out by researchers are interviews, documentation and observation. In this study the researchers found several things. In the application of the Rahn product at KSPPS Kramat using a sale and purchase agreement, but it does not take advantage of the goods that are pawned and the application for financing is also easy. With the financing of rahn products, businesses around the village of Jatiarjo have increased, this is because the installments at KSPPS Kramat do not have usury. And the monthly installments are quite light, making it easier for the community to pay off the proposed financing. Keywords: KSPPS, Rahn Products, Income Increase.

Tingkat literasi keuangan syariah santri dayah

This study aims to determine the level of Islamic financial literacy of students at Dayah Raudhatul Huda. Aspects of Islamic financial literacy observed including knowledge of basic Islamic finance, Islamic saving and loans, personal finance, contracts in Islamic finance and understanding of Islamic financial institutions. The population in this study were the Senior High students of Dayah Raudhatul Huda with the sample size of 77. The data analysis method used is descriptive statistics. The results showed that the level of Islamic financial literacy of students at Dayah Raudhatul Huda was 68,10% which is categorized as medium.The average value obtained in the aspects of basic Islamic financial knowledge is 74,38%, Islamic savings and loans of 69,35%, personal finance of 54,97%, contract in Islamic finance of 69,34% and understanding of Islamic financial institutions at 72,50%.

Group Decision Support System Using AHP, Topsis and Borda Methods for Loan Determination in Cooperatives

Cooperatives are one of the business units which purpose is to help the economy of small and medium-sized communities. One of the cooperatives in the city of Padang, West Sumatra, Indonesia is KPN Kapur Warna. The routine business unit managed by KPN Kapur Warna is for savings and loans. So far, the savings and loan process is still done manually, including determining the eligibility of members to receive loans. Determination of the eligibility of members is carried out less objectively, by only looking at the profile of participants in general and the decision-making process is only carried out by one person, namely the chairman of the cooperative. The process that has been carried out so far has often resulted in wrong targets, namely providing loans to members who are not appropriate, resulting in bad credit or delays in paying monthly installments of participants. Therefore, we need a group decision support system that can help solve the above problems. In this study, a group decision support system was made using the AHP, TOPSIS and BORDA methods using five main criteria. The AHP method is used to determine the priority value for each criterion and the TOPSIS method is used to rank each alternative. Each decision maker performs the same process with the two methods, and then voting is carried out using the BORDA method of combining assessments for different decision makers. This study succeeded in providing a reference in determining the eligibility of which members are entitled to receive loans from cooperatives, with results that are more subjective and can help cooperatives in their work efficiently.

Demand Allocation and Profit Sharing to Improve Salt Farmer’s Revenue: A Cooperative Game Approach

The main problem of the salt supply chain system is the oligopoly market structure dominated by middlemen which reduces the bargaining power of farmers. It has, however, been discovered that vertical collaboration (farmers to cooperatives) and horizontal collaboration (farmers to farmers) models have the ability to increase farmers' revenue. Therefore, this research was conducted to determine the effect of both horizontal and vertical collaboration models on the salt supply chain system with the expectation to increase farmers' revenue. This involved the application of the cooperative game theory with Shapley's value used as the basis for decision making. The result showed that the collaboration of stakeholders in the salt supply chain system has the ability to increase farmers' revenue, especially when they sell a maximum of 20% of their products through cooperatives and the rest through middlemen. This means the existence of farmers as cooperative members has a positive impact as observed in the revenue increment. Therefore, it is recommended that cooperatives improve their functions and roles as providers of savings and loans and market seekers, determine the appropriate prices for salt, and improve the quality of the products produced by their members. Moreover, a collaboration between farmers is mutually beneficial and this means efforts should be made to ensure cooperation, especially for small farmers.

Kajian Hukum Islam Terhadap Praktik Simpan Pinjam di Kerukunan Kayubulan Kota Manado

Praktik simpan pinjam pada kerukunan Kayubulan menerapkan bunga sebesar sepuluh persen dan untuk anggota yang belum mampu mengembalikan pinjaman maka diwajibkan untuk membayar bunga pinjaman terlebih dahulu. Adapun rumusan masalah yang di angkat. Bagaimana praktik simpan pinjam pada kerukunan kayubulan di Kota Manado? Bagaimana tinjauan hukum Islam terhadap praktik simpan pinjam pada kerukuna Kayubulan Kota di Kota Manado? Penelitian ini bertujuan untuk mengetahui praktik simpan pinjam di kerukunan Kayubulan Wanea Kota Manado sudah berkesesuaian dengan Ijtima Ulama Komisi Fatwa Majelis Ulama (MUI) Indonesia tentang fatwa riba pada tanggal 22 syawal 1424 H/6 Desember 2003. Penelitian ini menggunakan Jenis penelitian lapangan (field research), dengan menggunakan metode pendekatan yuridis normatif. Hasil dari penelitian menunjukan bahwa praktik simpan pinjam kerukunan Kayubulan yang bertentangan dengan hukum Islam, karena sejak awal akad telah menentukan beberapa besar bunga pinjaman dan pihak kerukunan sudah memahami haramnya umat muslim mempraktikan riba, akan tetapi mereka masih menjalankan kerukunan tersebut. (The practice of savings and loans in the “Kerukunan Kayubulan” applies an interest of ten percent and for members who have not been able to repay the loan, they are required to pay the interest on the loan first. The formulation of the problem raised. How is the practice of saving and borrowing in the “Kerukunan Kayubulan” in Manado City? How is the review of Islamic law on the practice of savings and loans in the Kayubulan Kota harmony in Manado City? This study aims to determine the practice of savings and loans in the Kayubulan Wanea harmony, Manado City is in accordance with the Ijtima Ulama Fatwa Commission of the Indonesian Ulema Council (MUI) regarding the fatwa of usury on 22 Shawwal 1424 H/6 December 2003. This study uses a type of field research (field research). ), using a normative juridical approach. The results of the study show that the practice of saving and borrowing in “Kerukunan Kayubulan” is contrary to Islamic law, because from the beginning the contract has determined the majority of the loan interest and the harmony party has understood that it is forbidden for Muslims to practice usury, but they still carry out the harmony)

Gender attributes of the impact of informal savings and loans associations on food security in rural Zimbabwe

PurposeIn the absence of well-developed financial markets, Informal Savings and Loans Associations (ISLAs) provide rural households with an alternative consumption coping mechanisms when confronted by transitory and seasonal food insecurity. The purpose of this study is to investigate the household food consumption coping strategies and gendered importance of ISLAs in improving household food security in rural Zimbabwe.Design/methodology/approachThis study uses household panel data on rural livelihoods from the 2019 and 2020 household surveys conducted by the Zimbabwe Vulnerability Assessment Committee (ZimVAC). Employing propensity score matching approach to cater for the self-selection bias associated with household ISLA membership, the study estimates average treatment effect of household ISLA membership on food security and gendered importance of the propensity of the household to engage in consumption coping strategies.FindingsResults shows that the ISLA membership increases household food security and reduces the household propensity to apply non-ISLA consumption coping mechanisms. Female-headed households with ISLA members are more able to increase food security as well as reduce reliance on non-ISLA consumption coping mechanisms than their male counterparts with ISLA members.Research limitations/implicationsUse of household dietary diversity score and food consumption score as two proxies to measure household food security.Originality/valueThis study contributes to the literature on food consumption coping strategies in Sub-Saharan Africa using recent household panel data.

The development and implementation of an android-based saving and loan cooperative application

The savings and loans cooperative are a cooperative that has an important purpose in its reach and services, such as the Permata Ngijo Savings and Loans Cooperative. Activities within the cooperative itself include managing member data as well as savings and loan transactions. In systems that are still manual, such as Microsoft Excel, there is a risk of inaccurate data and takes a long time. This manual system is still less effective because the number of members and transactions continues to grow. Therefore, an application is needed as a more effective data processing and information system for members that is easier to access. This study aims to build an android-based savings and loan application using the hypertext preprocessor (PHP) programming language and my structured query language (MySQL) as data storage. Based on the android application that has been made, it shows that the black box functionality of the application runs as planned, the success rate for users reaches 90%.