PELATIHAN ANALISIS USAHA BUMDESA DESA BANJARSARI KABUPATEN PURWOREJO

ABSTRAKBadan Usaha Milik Desa (BUMDesa) dibentuk dengan maksud dan tujuan meningkatkan perekonomian desa dengan cara mengelola potensi produkstif desa sesuai dengan kebutuhan masyarakatnya. BUMDesa diharapkan mampu menjadi penggerak utama ekonomi desa sekaligus mempercepat pemerataan pembangunan di desa. Oleh sebab itu, upaya serius perlu dilakukan oleh pengurus BUMDesa dan Pemerintah Desa agar pengurusan BUMDesa berjalan dengan efektif, efisien, professional, dan mandiri. Melalui mekanisme self help dan member-based, BUMDesa membuka peluang partisipasi masyarakat desa secara keseluruhan dalam mendayagunakan potensi produktif desa. Akan tetapi, pengurus bersama dengan Pemerintah Desa juga perlu menciptakan aturan main bersama dengan stakeholders lainnya agar usaha BUMDesa tidak dikuasai oleh kelompok tertentu di tingkat desa. Sebagai salah satu BUMDesa yang ada di Kabupaten Purworejo, BUMDesa Banjarsari baru mempunyai satu jenis usaha, yaitu penyewaan Gedung. Akan tetapi, pengurusan Gedung sebagai asset produktif milik BUMDesa belum dilakukan dengan baik sebab kemampuan manajerial pengurus BUMDesa Desa Banjarsari Kecamatan Purwodadi belum memadai. Pengurus BUMDesa belum melakukan analisis usaha maupun analisis keuangan dalam menjalankan usahanya tersebut. Kondisi tersebut memotivasiTim pengabdian masyarakaat untuk memberikan pelatihan analisis usaha serta penyusunan laporan keuangan agar usaha yang dikelola BUMDesa Desa Banjarsari dapat berjalan dengan baik, menghasilkan keuntungan, dan berkelanjutan. Pelatihan yang diberikan diharapkan memperkuat kapasitas kelembagaan BUMDesa Desa Banjarsari. Hasil kegiatan pelatihan menunjukkan bahwa pengurus BUMDesa sangat bersemangat dalam mengikuti pelatihan. Hal ini diketahui selama sesi diskusi dan tanya jawab. Peserta yang merupakan pengurus BUMDesa bahkan mengharapkan agar kegiatan pelatihan semacam ini diberikan secara terjadwal dan terprogram agar pengurus benar-benar paham dan kemudian percaya diri dalam mengelola usaha BUMDesanya. Kesimpulan yang diambil di akhir sesi pelatihan, BUMDesa Banjarsari perlu diberikan pendampingan, pelatihan, dan transfer Ipteks pengurusan BUMDesa secara berkesinambungan serta menjalin kemitraan dengan pelaku bisnis lain agar bisnisnya lebih cepat berkembang. Kata kunci: BUMDesa; pengurusan badan usaha; analisis usaha; laporan keuangan ABSTRACTVillage-Owned Enterprises (VOEs) were formed to improve the village economy by managing the productive potential of the village by the needs of the community. Therefore, serious efforts need to be made by the VOEs administrators and the Village Government so that the administrators of VOEs run effectively, efficiently, professionally, and independently. Through self-help and member-based mechanisms, VOEs open opportunities for the participation of the village community as a whole in utilizing the productive potential of the village. However, the administrators along with the Village Government also need to create rules of the game together with other stakeholders so that the VOEs business is not controlled by certain groups at the village level. As one of the VOEs in Purworejo Regency, the VOEs Banjarsari just has one type of business, namely building rentals. However, the management of the building as a productive asset belonging to VOEs has not been carried out properly because the managerial capabilities of the VOEs administrators, Banjarsari Village, Purwodadi District are not yet adequate. The VOEs administrators have not conducted a business analysis or financial analysis in running the business. The condition motivates the community service team of Universitas Muhammadiyah Purworejo to provide training in business analysis and preparation of financial reports for the administrators so that they can run the business well, generate profits, and be sustainable. The training provided is expected to strengthen the institutional capacity of the Banjarsari village-owned enterprise. The results showed that they were very enthusiastic about participating in the training as well as they expect more that such training activities are provided on a scheduled and programmed basis so that they get better to understand and also be confident in managing the business. The findings show that administrators need to be provided with assistance, training, and transfer of science and technology to manage VOE on an ongoing basis and establish partnerships with other business actors so that the business will be able to grow faster. Keywords: village-owned enterprises; business entity management; business analysis; financial reports

Menguak Penilaian Tingkat Kesehatan Koperasi Wanita

The purpose of this study is to found see how healthy the Teratai Women Cooperative in Merjoyo Village, Purwoasri District, Kediri Regency. The aspects of capital, productive asset quality, management, efficiency, liquidity, independence and growth, as well as the cooperative's identity, are used to assess cooperatives, as per the Regulation of the Deputy for Supervision of the Ministry of Cooperatives and Small and medium enterprises of the Republic of Indonesia Number 6 of 2016. This sort of research combines qualitative descriptive research with secondary data gathered from management accountability reports presented at Annual Member Meetings, specifically the cooperative financial accounts for 2018-2020. The results of the analysis show that the Teratai Women's Cooperative's health level rating in 2018-2020 had an average final score of 56.18, indicating that the predicate is under supervision.

Effects Of Farmers Empowerment Porgrammes On Agricultural Productivity In Kwande LGA Of Benue State, Nigeria

The study examined the effect of farmers' empowerment programmes on agricultural productivity in Kwande Local Government Area of Benue State. The specific objectives were to; examine the socio-economic characteristics of the farmers; determine the effect of farmers empowerment programme on farm inputs accessibility; determine the effect of farmers empowerment programme on productive asset acquisition; determine the effect of farmers empowerment programme on the income of the farmers; and examine the problems encountered by farmers in farmers empowerment programmes. Data for the study were collected using questionnaire administered to farmers. Frequency distribution, percentage, and chi-square statistics were used for data analysis. The major findings of the study showed that the male gender participated in the programme more than the females (59.1%), and most of the farmers were above 40 years (59.5%). Majority (59.1%) had a household size of more than six persons, cultivating 3-4.99 hectares of land (50%) and had farming experience of more than 7 years (59.1%). There was discrimination in distribution of agricultural incentives, subsidies and credit facilities (59.1%). Poor awareness of the scheme was an obstacle to capturing farmers on the scheme (59.1%). There was high positive effect of farmers' empowerment programmes on farm inputs accessibility (t-tab.0.995; t-cal.4.585), productive asset acquisition (t-tab.0.479; t-cal.8.557) and income of farmers (t-tab.0.349; t-cal.16.515). The study recommended that the government, individuals and non-governmental organizations should join hands to adequately finance farmers' empowerment programmes of the rural dwellers. The agencies and government officials' in-charge of the empowerment programmes should avoid discrimination against farmers in the distribution of agricultural programme packages. The government and empowerment agencies should ensure that awareness is created about the existence of the programme so that more farmers will be captured on the scheme through frequent seminars; workshop and enlightenment campaigns.

The Role of Sharia Banks as Nazhir Partners in the Management of CWLS Retail SWR001 Investment Products

Islamic social finance, one of which waqf should have a position and role that can synergize to contribute economically, considering Indonesia has the largest Muslim population in the world. The issue that the potential waqf assets of 2000 trillion with about 51,155.57 ha of waqf land that exists today has not been a productive asset that serves as a source of income in developing the people's economy. While the potential of cash waqf that reaches Rp 180 trillion (BWI) but collected around 391 billion. Therefore, needs the innovation of social finance-based investment scheme with the support of professionalization in its management (in this case nadzir board), one of which is LKS-PWU, especially Sharia Banking. Through State Sukuk instruments in the form of CWLS retail SWR001 products, the government and BWI involve Sharia Banking as Nazhir partners and distribution partners. This study aims to explain the role of sharia banking as nazhir partners in the management of Cash Waqf Linked Sukuk (CWLS) retail SWR001 investment products in the perspective of the basic principles of waqf. This research was conducted by qualitative research method, Library Research approach. Validity of data with source triangulation. The data analysis technique in this study is to use discourse analysis. The results showed that Policy, management and technical processes conducted by Sharia Banking in the management of CWLS Retail SWR001 both in terms of nazhir criteria, the process of collecting and distributing waqf funds is compatibility with the provisions of the Basic Principles of Waqf (PPW) at points 13, 15 and 17 in order to realize good governance for nazhir(Good Nazhir Governance). Keywords: Islamic Bank, Cash Waqf, CWLS Retail SWR001, Waqf Core Priciples (WCP), Good Nazhir Governance

Familiarizing livestock advisory services to reduce cattle raiding in south Sudan

In South Sudan, cattle raiding is an enduring practice among many communities and leads by cultural norms and customs. The issue has become challenging to the development of the livestock sector in the country. For the last 5-6 years 2015 to 2020, thousands of cattle heads were stolen from the cattle camps, many life were lost during the raid, and many developmental projects were immobile. Extension in reducing cattle raiding has been seen as significant by the government, community chiefs of the rural areas, youth leaders, women, and NGOs working in the livestock sector. The improvement of the extension's role is an essential factor for reducing cattle raids among South Sudan communities. The extension can bring development opportunities, facilities, and empowerment. Accordingly, by reviewing the literature, this paper fact out which asset is necessary to reduce cattle raids. Also, the paper examines how an extension could mitigate cattle raiding through mediation. The recompenses of extension as the solution for competing cattle raids have been emphasized. The paper recommends that advisory service should have extensive training program on. on social change, building resilience through community-enhancing livelihoods, and shifting their mindsets from cattle raiding to accumulate wealth to ensure productive asset creation. The Advisory services should work as alarming tools for any expected raiding casualties in their working area.

ANALISIS PENGUKURAN TINGKAT KESEHATAN PERBANKAN SYARIAH DENGAN MENGGUNAKAN METODE CAMEL PADA PT. BANK MANDIRI SYARIAH Tbk.

This study aims to determine the condition of the soundness of banks by way of assessment using the CAMEL method (Capital, Asset Quality, Management, Earning, and Liquidity). CAMEL analysis has five aspects, namely capital aspects using CAR (Capital Adequacy Ratio) ratio, asset quality aspects using KAP (Productive Asset Quality) ratio, management aspects using NPM (Net Profit Margin) ratio, profitability aspect uses ROA (Return on asset ratio) ) and BOPO (Operating Expenses to Operating Income), and Liquidity use the LDR (Loan to Deposit Ratio) ratio. This type of research was a type of quantitative research. Based on the characteristics of the problem raised by the researcher, this study was classified as a quantitative descriptive study. The data used in this study were secondary data obtained indirectly from Bank Syariah Mandiri. The data used were financial statement data (Financial Position Report and Income Statement) of PT. Bank Syariah Mandiri Tbk for three periods, namely 2016 to 2018. In addition, data were obtained from books, journals, internet or other media that support this research. Based on the results of research conducted at PT. Bank Syariah Mandiri Tbk shows that the value of the CAMEL in 2016 was 45.92 with the title NOT HEALTHY, in 2017 it was 45.92 with the NOT HEALTHY rating, and in 2018 was 47.68 with the NOT HEALTHY predicate.

Manajemen Kualitas Aset Produktif Dan Pengaruhnya Terhadap Laba Bank Pada Bank Perkreditan Rakyat di Indonesia

Managing the bank risk well are very needed so that the bank can operate smoothly. One of the important bank risk to managed well is bank asset quality risk. The banks are required to be careful and wiser in manage these asset quality risk. The object of this study is to obtain evidence of the effect of productive asset quality management on bank profit. The empirical studies conducted on rural banks in Indonesia. As the independent variable is productive asset quality consist of classified productive asset, productive asset quality and non-performing loan, while as the dependent variable is bank profit measured by return on asset. Return on asset of 89,6% explained by classified productive asset, productive asset quality and non-performing loan. While the rest return on asset of 10,4% effect by other variables that not examined in this study. Keywords: Classified Productive Asset, Productive Asset Quality, Non-performing Loan, Return on Asset.

Effect of access to innovations on assets acquisition and development capacity of women in rural Nigeria

This study investigates the attribution effect of access to innovation on assets acquisition and development among rural women. The study analyzed gender differences in access to innovations and its consequence on assets ownership among rural males and females. Primary data for the study were sourced through a structured questionnaire. The data was fitted to a propensity score matching model in order to isolate the effect of access to innovation on gender differences in an asset acquisition. The findings showed that rural development drive requires innovative intervention in the rural areas and its effect could be more favorable to males than females in terms of productive asset acquisition and development. But, no significant difference (5% level) was established for non-productive asset acquisition across gender. There is a need for gender-inclusive strategies for rural development.