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SETTLEMENT OF PROBLEM FINANCING AFTER THE COVID-19 PANDEMIC AT BANK SYARIAH INDONESIA, BANDA ACEH 在班达亚齐印度尼西亚伊斯兰银行解决COVID-19大流行后的融资问题
Pub Date : 2023-09-19 DOI: 10.22373/al-mudharabah.v5i1.3379
Astriyanthi Rangkuti
This research examines the Analysis of Troubled Financing Restructuring and the Urgency of Post-Covid-19 Agreement Renewal at BSI Aceh. The purpose of this research is to find out the implementation of post-covid-19 problem financing restructuring at Bank Syariah Indonesia (BSI) Aceh Branch, and to find out the urgency of renewing the post-covid-19 financing contract at BSI Aceh, to find out the Handling of Post-Covid-19 Financing Restructuring at BSI Aceh. This research uses a qualitative method with a descriptive approach. The research took place at BSI Aceh branch. The data sources used in this research are primary data sources and secondary data sources. The data collection methods used are observation, interviews, and documentation. The data analysis technique used in this research is descriptive analytical technique. The results showed that BSI in Aceh in providing financing restructuring to customers due to the Covid-19 Pandemic is based on Financial Services Authority Regulation Number 16/POJK.03/2014, which can only be given to customers who have difficulty fulfilling their obligations to the bank due to their business being affected by Covid-19. The stages of restructuring are rescheduling, re-conditioning and re-structuring. All these stages are carried out in order to fulfil the purpose of the initial contract of a customer with the bank, namely to give birth to a legal effect or mutual intention that is intended and which the parties want to realise through making a contract.
本研究考察了亚齐BSI融资重组问题分析和新冠肺炎后协议续签的紧迫性。本研究的目的是了解印尼伊斯兰银行亚齐分行在新冠肺炎疫情后融资重组的实施情况,了解亚齐伊斯兰银行亚齐分行续签新冠肺炎疫情后融资合同的紧迫性,了解亚齐伊斯兰银行亚齐分行在新冠疫情后融资重组的处理情况。本研究采用定性与描述性相结合的方法。这项研究在BSI亚齐分部进行。本研究使用的数据来源分为主要数据来源和次要数据来源。使用的数据收集方法是观察、访谈和文献。本研究使用的数据分析技术是描述性分析技术。结果表明,亚齐BSI在为客户提供2019冠状病毒病大流行融资重组方面是基于金融服务管理局第16/POJK号条例。2014年3月3日,仅给予因业务受新冠肺炎影响而难以履行对银行义务的客户。结构调整的阶段是重新安排、重新调整和重新结构。所有这些阶段都是为了实现客户与银行签订初始合同的目的,即产生双方希望通过订立合同实现的法律效果或相互意图。
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引用次数: 0
Pelatihan Pembuatan dan Penggunaan E-Modul Perbankan Syariah sebagai Upaya Meningkatkan Kualitas Pembelajaran di Era Pandemi 伊斯兰银行e -模块的建设和使用培训,以提高大流行时期的学习质量
Pub Date : 2023-09-18 DOI: 10.47467/alkharaj.v6i1.5022
Amirul Arif, Luqman Hakim, Susanti Susanti, Moh. Danang Bahtiar
Education in the 21st century demands the use of technology to make innovations in the learning process, this results in social changes in the scope of education. In addition to the demands of the 21st century, the Covid-19 pandemic situation requires educators and students to be adaptive in the technology-based learning process. One of the successes in the learning process is the teaching materials used by educators. Problems that arise with partners (East Java Sharia Banking MGMP Teachers) are teaching materials that are less complex in learning, so far partners only use teaching materials in the form of printed teaching materials and pieces of each chapter of material uploaded in google classroom. Therefore, the PKM team wants to provide training to teachers who are members of the East Java Province Sharia Banking MGMP for the use and development of teaching materials. The teaching materials used in this training are e-modules assisted by the Flip PDF Professional application. The method of implementing this training activity is carried out in three stages, namely: needs analysis, implementation of training activities and evaluation of activities. The results of the questionnaire show that respondents are very interested in the training activities carried out and this activity is very useful for participants to be able to compile teaching materials in the form of E-Modules which can later be used in online learning. Keywords: Covid-19 pandemic; E-modules; Islamic banking; Online learning
& # x0D;21世纪的教育要求利用技术在学习过程中进行创新,这导致了教育范围的社会变化。除了21世纪的需求外,2019冠状病毒病大流行形势还要求教育工作者和学生在基于技术的学习过程中具有适应性。学习过程中的成功之一是教育者使用的教材。合作伙伴(East Java Sharia Banking MGMP Teachers)的问题是教学材料学习起来不太复杂,目前合作伙伴只使用印刷的教学材料和每一章材料的片段上传到google教室。因此,PKM团队希望为东爪哇省伊斯兰教银行MGMP成员的教师提供使用和开发教材的培训。本次培训使用的教材是由Flip PDF专业应用程序辅助的电子模块。该培训活动的实施方法分三个阶段进行,即:需求分析、培训活动实施和活动评价。问卷调查结果显示,受访者对开展的培训活动非常感兴趣,该活动对参与者能够以e - module的形式编写教材非常有用,这些教材可以在以后的在线学习中使用。 关键词:新冠肺炎大流行;E-modules;伊斯兰银行业;在线学习
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引用次数: 0
Pengaruh Pemahaman Literasi Perbankan Syariah terhadap Animo Masyarakat Dalam Bertranksaksi di Bank Syariah: 伊斯兰银行识字法对伊斯兰银行国际证人群体的影响:
Pub Date : 2023-09-15 DOI: 10.47467/alkharaj.v6i1.5186
Annisa Nurfitria, Dody Firman
OJK melakukan kajian yang memperlihatkan bahwa produk tabungan syariah merupakan produk keuangan syariah yang masyarakat paling dikenali sebesar 18 persen dan digunakan sebesar 9 persen mengandung arti bahwa hanya 18 orang dari 100 penduduk yang mengerti tentang tabungan syariah dan hanya setengah persen orang dari yang mengerti tersebut menggunakan tabungan syariah.Oleh karena itu, Kecamatan Simpang Kanan yang merupakan sebuah kecamatan di Provinsi Riau, dengan mayoritas islam yang dapat dilihat dari jumlah masjid 96 buah dan musholla 105 buah, maka peneliti tertarik untuk meneliti apakah literasi pemahaman perbankan syariah sudah dikenal ataupun dipahami dan dijalankan di kehidupan sehari-hari msyarakat Kecamatan Simpang Kanan. Penelitian ini betujuan untuk menegtahu apakah literasi perbankan syariah sudah dikenal, dipahami, dan diaplikasikan. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan metode survei melalui kuesioner sebagai instrumen pengumpulan data.Teknik yang digunakan dalam Non Probability Sampling adalah teknik Purposive Sampling. Kuesioner memakai skala Likert sebagai penilaiannya. Fhitung (22,012) > Ftabel (3,94) dan Sig (0,000) < 0,05, maka disimpulkan bahwa pemahaman literasi perbankan syariah (X) berpengaruh signifikan terhadap Animo masyarakat bertranksaksi di perbankan syariah. literasi perbankan syariah (X) berpengaruh signifikan terhadap Animo masyarakat bertranksaksi di perbankan syariah.
OJK伊斯兰储蓄产品做的研究表明,最知名的是社会的伊斯兰金融产品百分之18和使用百分之9意味着只有18人了解伊斯兰储蓄和100个居民的储蓄只有2.5%的人懂这些用伊斯兰教法。因此,街道拐角右廖内是一个省的街道,可以看到的大多数伊斯兰教清真寺96和105 musholla水果的数量,那么研究人员感兴趣的研究无论是伊斯兰银行的理解是众所周知的素养还是在日常生活中理解和执行msyarakat街道十字路口右转。本研究的目的是确定伊斯兰银行的读写能力是否已为人所知、了解和应用。该研究采用定量方法,采用问卷调查方法作为数据收集工具。在非概率抽样技术中使用的技术是采样技术。问卷调查人员使用Likert量表进行评估。fcount (22.012) >f桌(3.94)和Sig (10,000) <0.05,然后得出结论,对伊斯兰银行识字率(X)的理解对伊斯兰银行的目击者群体产生了重大影响。伊斯兰银行识字率(X)对伊斯兰银行的外部证人群体产生了重大影响。
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引用次数: 0
Implementasi Program Kampung Keluarga Berencana (KB) di Desa Teluk Kelansam Kecamatan Sintang Kabupaten Sintang 在新塘县新塘区 Teluk Kelansam 村实施计划生育村计划
Pub Date : 2023-09-15 DOI: 10.47467/alkharaj.v6i2.4971
Arpan Arpan, Ida Rochmawati, Faisal Madya
The Nawacita agenda, a priority agenda for President Joko.Widodo and his cabinet, consists of 9 flagship initiatives, and the power to implement them has been delegated to the National Family Planning Coordinating Board (BKKBN). According to the provisions of Law No. 23 of 2014 on Regional Government, specifically in the Division of Concurrent Government Affairs between the Central Government, Provincial Regions, and Regency/City Regions. in letter N (Division of Government Affairs in the Field of Population Control and Family Planning), a Family Planning Village Program (KB Village) policy was drafted in an effort to realize the development priority agenda. Decree of the Sintang Regent Number: 476/500/KEP-DKBP3A/2021 Concerning the Formation of a Regional Working Group (District Working Group) on Population, Family Planning, and Prosperous Family Development in Sintang District, particularly in Teluk Kelansam Village, Sintang District, mandated the establishment of the KKBPK in order to implement the KB Village Program at the district level. The goal of this research was to use the Charles O. Jones Theory to identify, describe, and evaluate the steps taken by the residents of Teluk Kelansam Village, Sintang District, Sintang Regency, as they implemented the KB Village Program policy. First, the findings indicate that the organization in question has the necessary institutional framework, personnel, financial resources, and physical facilities to function effectively. Second, application/application, which involves having a defined work program, work processes, and schedule of activities; third, interpretation, which includes compliance with rules, technical instructions, and implementation instructions.
纳瓦奇塔议程,是佐科总统的优先议程。维多多和他的内阁包括9项旗舰举措,实施这些举措的权力已被授予国家计划生育协调委员会(BKKBN)。根据2014年第23号关于区域政府的法律规定,特别是在中央政府,省级地区和摄政/城市地区之间的并行政府事务划分中。在字母N(人口控制和计划生育领域政府事务司),为实现发展优先议程,起草了计划生育村方案(KB村)政策。新唐政令第476/500/KEP-DKBP3A/2021号关于在新唐地区,特别是在新唐地区的Teluk Kelansam村成立人口、计划生育和繁荣家庭发展区域工作组(地区工作组)的法令授权成立KKBPK,以便在地区一级实施KB村方案。本研究的目的是使用Charles O. Jones理论来识别、描述和评估辛塘县辛塘区Teluk Kelansam村居民在实施KB村计划政策时所采取的步骤。首先,调查结果表明,所讨论的组织具有有效运作所需的制度框架、人员、财政资源和物理设施。第二,应用/应用,这涉及到有一个明确的工作计划、工作流程和活动时间表;第三,解释,包括遵守规则、技术说明和实施说明。
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引用次数: 0
Implementasi Kebijakan Percepatan Penurunan Stunting Pada Dinas Keluarga Berencana, Pemberdayaan Perempuan dan Perlindungan Anak Kabupaten Sintang 新唐县妇女赋权和儿童保护计划的加速发育政策实施
Pub Date : 2023-09-14 DOI: 10.47467/alkharaj.v6i2.4948
Falentina Kiranasari, Ahmad Tohardi, Siti Aisyah
Stunting has been designated as a national priority issue. The target to reduce stunting by 27.6% in 2019 is expected to be 14% in 2024. Based on the 2021 Indonesian Nutrition Status (SSGI) results, Sintang District has the second largest stunting prevalence rate in West Kalimantan, which is 38.2%. So that the high prevalence of stunting can hamper efforts to improve public health and develop the quality of human resources. With the issuance of Presidential Regulation Number 72 of 2021 concerning the Acceleration of Stunting Reduction, where the BKKBN is the Chief Executive, it certainly has an impact on the need for program coordination and convergence in the field. So that this automatically results in the Office of Family Planning, Women's Empowerment and Child Protection in Sintang Regency, which is an extension of the West Kalimantan Provincial BKKBN Representative, responsible for accelerating the reduction of stunting in Sintang District. Hence, the Office of Family Planning, Women's Empowerment, and Child Protection in Sintang Regency are making endeavors to expedite the reduction of stunting through diverse strategies. The aim of this research was to comprehend the execution of measures for accelerating the decline of stunting at the Sintang District Office of Family Planning, Women's Empowerment, and Child Protection, guided by the principles established by Donald Van Meter and Charles Van Meter. This research employs a case study approach, employing a qualitative descriptive research framework. The data collection techniques by way of interviews, observation and documentation/documentary studies. The results of this study are that in 2022 based on the results of the Indonesian Nutrition Status Survey (SSGI) conducted by the Ministry of Health of the Republic of Indonesia, the prevalence rate of stunting in Sintang District shows a very significant decrease. The study's outcome reveals that the execution of the strategy aimed at expediting the reduction of stunting in the context of Sintang Family Planning has been observed, Women's Empowerment and Child Protection Services has been going well and has been successful in efforts to deal with stunting by reducing the prevalence of stunting from 38.2% to 18.7%. One of the suggestions given is the need to carry out community empowerment activities in an effort to fulfill balanced nutrition for families at risk of stunting, namely families with prospective brides, pregnant women, breastfeeding mothers, toddlers and stunted toddlers, especially from underprivileged families.
发育迟缓已被列为国家重点问题。2019年将发育迟缓率降低27.6%的目标预计到2024年将降至14%。根据2021年印度尼西亚营养状况(SSGI)结果,Sintang地区的发育迟缓患病率在西加里曼丹排名第二,为38.2%。因此,发育迟缓率高会阻碍改善公共卫生和发展人力资源质量的努力。随着由BKKBN担任首席执行官的关于加速减少发育迟缓的2021年第72号总统条例的发布,它肯定会对该领域的项目协调和融合需求产生影响。因此,这就自然而然地产生了Sintang县的计划生育、妇女赋权和儿童保护办公室,这是西加里曼丹省BKKBN代表的延伸,负责加速减少Sintang地区的发育迟缓。因此,辛塘县的计划生育、妇女赋权和儿童保护办公室正在努力通过各种战略加快减少发育迟缓。本研究的目的是了解在唐纳德·范·米特和查尔斯·范·米特建立的原则指导下,辛塘区计划生育、妇女赋权和儿童保护办公室加速减少发育迟缓的措施的执行情况。本研究采用个案研究方法,采用定性描述性研究框架。通过访谈、观察和文件/文献研究的方式收集数据的技术。本研究的结果是,根据印度尼西亚共和国卫生部进行的印度尼西亚营养状况调查(SSGI)的结果,2022年Sintang区的发育迟缓患病率显示出非常显著的下降。研究结果表明,在辛塘计划生育背景下,旨在加快减少发育迟缓的战略得到了执行,妇女赋权和儿童保护服务进展顺利,并成功地将发育迟缓患病率从38.2%降至18.7%。提出的建议之一是,有必要开展社区赋权活动,努力为有发育迟缓风险的家庭实现营养均衡,即有准新娘、孕妇、哺乳期母亲、幼儿和发育迟缓幼儿的家庭,特别是来自贫困家庭的家庭。
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引用次数: 0
Analisis Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) Kota Bandung Pasca Pandemi Covid 19 Covid 大流行后万隆市微型、小型和中型企业(MSMEs)的发展分析............ 19
Pub Date : 2023-09-13 DOI: 10.47467/alkharaj.v6i2.4869
Yenny Maya Dora, Nugraha Saefudin, Oktora Yogi Sari, Intan Widuri Sakti, Asep Sudrajat, Dadan Sumantri
The contribution of MSMEs is quite large for the national economy because, with a large number of existing MSMEs, more jobs will be created for people who need jobs and become the biggest contributor to Domestic Product Value (Gross). Therefore, Micro, Small, and Medium Enterprises (MSMEs) need special attention in this sector. The research was conducted to analyze the development of MSME entrepreneurs in the city of Bandung after the Covid 19 pandemic for MSME entrepreneurs. The number of MSME entrepreneurs who were sampled was 110 respondents from several types of businesses. The type of research conducted was survey research with descriptive and verification data analysis methods. The results of the study partially show that the Entrepreneurial Character variable has a positive influence on MSME business development, while the Business Capital variable does not have a positive effect on business development. And the marketing strategy variable partially has a positive effect on business development. Business capital that does not have a positive effect on business development does not mean that MSME players do not need venture capital in developing their businesses. Even though MSME entrepreneurs have sufficient capital without strong and positive characteristics of MSME entrepreneurs, business development will not work While the simultaneous test results obtained results of Entrepreneurial Characteristics, Business Capital and Marketing Strategy jointly affect Business Development. This illustrates that with strong entrepreneurial characteristics and supported by the availability of business capital and marketing strategies that are in accordance with market conditions, business development carried out by MSME entrepreneurs will certainly run well Keywords: Entrepreneurial Characteristics, Business Capital, and Business Development.
& # x0D;中小微企业对国民经济的贡献是相当大的,因为拥有大量现有的中小微企业,将为需要就业的人创造更多的就业机会,并成为国内生产总值(Gross)的最大贡献者。因此,中小微企业(MSMEs)在这一领域需要特别关注。该研究旨在分析中小微企业在2019冠状病毒病大流行后在万隆市的发展。抽样调查的中小微企业企业家人数为110人,来自不同类型的企业。研究类型为调查研究,采用描述性和验证性数据分析方法。研究结果部分表明,创业性格变量对中小微企业业务发展有正向影响,而创业资本变量对中小微企业业务发展没有正向影响。营销策略变量部分对企业发展有正向影响。商业资本对业务发展没有积极影响并不意味着中小微企业在发展业务时不需要风险资本。即使中小微企业企业家有足够的资金,如果没有强大的、积极的中小微企业家特征,企业发展也不会成功。同时测试结果得出了创业特征、企业资本和营销策略共同影响企业发展的结果。这说明,中小微企业创业者具有较强的创业特征,并有充足的创业资金和符合市场条件的营销策略作为支撑,创业发展一定会顺利进行 关键词:创业特征、企业资本、企业发展
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引用次数: 0
Analisis Rasio Keuangan terhadap Kinera Keuangan pada Bank Perkreditan Rakyat di Kota Batam 分析了巴淡镇人民银行的金融Kinera比率
Pub Date : 2023-09-12 DOI: 10.47467/alkharaj.v6i2.4815
Devi Pascha Debora, Handra Tipa
Rural Banks are a financial institution that plays a role in the community's economy by collecting excess funds from the public and lending them to people who need funds. Every company, both bank and non-bank, reports at a certain time the company's financial performance in the form of annual financial reports. Financial statements show the financial performance of a company in running its business, what are the weaknesses and strengths of the company. The company's financial performance is a representation of the company's financial position over a certain period of time. Banks with good financial performance can create a good Indonesian economy and help improve the standard of living of the Indonesian people. This study aims to analyze and determine the effect of Capital Adequacy Ratio (CAR), Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA). This study uses secondary data obtained from the website of the Financial Services Authority, with a sampling technique using purposive sampling, namely the sampling technique by selecting data sources based on criteria and based on certain considerations so that a total sample is obtained 135. The data analysis technique used is descriptive analysis, classical assumption test (normality, multicollinearity, heteroscedasticity and autocorrelation), multiple linear regression analysis and hypothesis testing (partial, simultaneous and coefficient of determination). The results of this study indicate that partially Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) have a significant effect on Return On Assets (ROA), while the Non Performing Loan (NPL) have no significant effect on Return On Assets (ROA). Furthermore, it is known that simultaneously the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) have a significant effect on Return On Assets (ROA). Keywords: Capital Adequacy Ratio (CAR); Non Performing Loan (NPL); Loan to Deposit Ratio (LDR); Return On Assets (ROA).
农村银行是一个在社区经济中发挥作用的金融机构,它从公众那里收集多余的资金,并将其贷款给需要资金的人。每个公司,无论是银行的还是非银行的,都在一定的时间以年度财务报告的形式报告公司的财务业绩。财务报表显示了公司在经营业务方面的财务表现,公司的弱点和优势是什么。公司的财务业绩是公司在一定时期内的财务状况的反映。拥有良好财务表现的银行可以创造一个良好的印尼经济,并有助于提高印尼人民的生活水平。本研究旨在分析和确定资本充足率(CAR)、不良贷款(NPL)和存贷比(LDR)对资产收益率(ROA)的影响。本研究使用从金融服务管理局网站获得的二手数据,采用有目的抽样的抽样技术,即根据标准和一定的考虑选择数据源的抽样技术,从而获得总样本135。使用的数据分析技术是描述性分析、经典假设检验(正态性、多重共线性、异方差和自相关)、多元线性回归分析和假设检验(部分检验、同时检验和决定系数检验)。本研究结果表明,部分资本充足率(CAR)和存贷比(LDR)对资产报酬率(ROA)有显著影响,而不良贷款(NPL)对资产报酬率(ROA)无显著影响。此外,我们知道资本充足率(CAR)、不良贷款(NPL)和存贷比(LDR)同时对资产收益率(ROA)有显著影响。 关键词:资本充足率;不良贷款(NPL);存贷比;资产收益率(ROA)。
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引用次数: 0
Pengaruh Penempatan Kerja terhadap Kinerja Pegawai pada Kantor Camat Talang Ubi Kabupaten Pali 工作安置对帕里县塔朗乌比分区办公室员工绩效的影响
Pub Date : 2023-09-11 DOI: 10.47467/alkharaj.v6i2.4546
Dina Nabila Utami, Isni Andriana, Wita Farla, Parama Santati
Penelitian ini bertujuan untuk mengetahui pengaruh penempatan kerja terhadap kinerja pegawai pada Kantor Camat Talang Ubi Kabupaten Pali. Populasi pada penelitian ini adalah sebanyak 52 orang pegawai. Teknik pengambilan sampek pada penelitian ini menggunakan teknik sampling jenuh. Data yang digunakan dalam penelitian ini menggunakan data primer yang diperoleh dari penyebaran kuesioner. Teknik analisis data menggunakan metode analisis regresi linier sederhana dengan bantuan program Statistical for Product and Service Solution (SPSS) versi 25. Berdasarkan hasil penelitian bahwa penempatan kerja berpengaruh positif dan signifikan terhadap kinerja pegawai pada Kantor Camat Talang Ubi Kabupaten Pali. Upaya meningkatkan kinerja pegawai, pimpinan hendaknya mempertimbangkan terlebih dahulu sebelum menempatakan pegawai berdasarkan latar belakang pendidikan, pengetahuan kerja, pengalaman kerja dengan job description yang akan dibebankan kepada pegawai pada posisi yang baru.
本研究旨在探讨利弊对防波堤区防波堤区员工绩效的影响。这项研究的人口是52名员工。这项研究的提取技术采用了饱和抽样技术。本研究使用的数据使用从问卷部署中获得的原始数据。数据分析技术采用了简单的线性回归方法,以帮助发布和服务解决方案(SPSS)项目(SPSS)第25版。根据一项研究,工作安排对山药区山芋办公室的工作表现产生了积极和重要的影响。在提高员工绩效的努力中,领导者应该在考虑将员工分配到新职位上的教育背景、工作知识、就业经验之前考虑到。
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引用次数: 0
Pembayaran Upah dengan Penambahan Beban Kerja pada Posisi Pekerjaan Buruh Bengkel: Studi Penerapan Konsep Syariah di Padangsidimpuan
Pub Date : 2023-09-08 DOI: 10.59833/altasyree.v15i01.1156
Achmad Napis Qurtubi
This research investigates the role of Baitul Maal Wattamwil (BMT) UGT Sidogiri Branch in Sawangan Depok in enhancing the productivity of Micro, Small, and Medium Enterprises (MSMEs) and its impact on local economic development. The study employs a descriptive analysis method based on quantitative data collected from BMT's financial reports and MSME members who received financing in the form of Barakah Business Capital (MUB). Additionally, insights into BMT's role in empowering MSMEs were obtained through interviews with BMT management and MSME members. The findings reveal that BMT UGT Sidogiri Branch significantly contributes to enhancing MSME productivity. Providing MUB financing offers substantial benefits to MSMEs, helping them improve their businesses and support local economic development. BMT successfully facilitates collaboration among members, strengthens economic synergies, and places special emphasis on the welfare of MSME members through a profit-sharing system based on Sharia principles. Despite its positive contributions, the research identifies several challenges faced by BMT Sidogiri, including members who are urban dwellers or newcomers, competition with daily banks/usurers, and technological limitations. Nevertheless, BMT UGT Sidogiri has implemented strategic measures, such as a family-oriented approach and technology integration, to address these challenges.
本研究调查了Baitul Maal Wattamwil (BMT) UGT在Sawangan Depok的Sidogiri分支机构在提高中小微企业(MSMEs)生产力方面的作用及其对当地经济发展的影响。本研究采用描述性分析方法,收集BMT财务报告和以Barakah Business Capital (MUB)形式获得融资的MSME成员的定量数据。此外,通过对BMT管理层和MSME成员的访谈,我们深入了解了BMT在赋予中小微企业权力方面的作用。研究结果表明,BMT UGT Sidogiri分公司对提高中小微企业生产力有显著贡献。提供MUB融资为中小微企业带来了实实在在的好处,帮助它们改善业务,支持当地经济发展。BMT成功地促进了成员之间的合作,加强了经济协同效应,并通过基于伊斯兰教原则的利润分享制度,特别强调了中小微企业成员的福利。尽管有积极的贡献,但研究也指出了BMT Sidogiri面临的一些挑战,包括成员是城市居民或新来者,与日常银行/高利贷者的竞争,以及技术限制。然而,BMT UGT Sidogiri已经实施了战略措施,例如面向家庭的方法和技术集成,以应对这些挑战。
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引用次数: 0
Potensi dan Peran Kontribusi BMT Sidogiri Cabang Depok dalam Meningkatkan Produktivitas Bisnis Lokal BMT Sidogiri分支机构在提高当地企业生产力方面的贡献的潜力和作用
Pub Date : 2023-09-08 DOI: 10.59833/altasyree.v15i01.1155
Dito Alif Pratama
This research investigates the role of Baitul Maal Wattamwil (BMT) UGT Sidogiri Branch in Sawangan Depok in enhancing the productivity of Micro, Small, and Medium Enterprises (MSMEs) and its impact on local economic development. The study employs a descriptive analysis method based on quantitative data collected from BMT's financial reports and MSME members who received financing in the form of Barakah Business Capital (MUB). Additionally, insights into BMT's role in empowering MSMEs were obtained through interviews with BMT management and MSME members. The findings reveal that BMT UGT Sidogiri Branch significantly contributes to enhancing MSME productivity. Providing MUB financing offers substantial benefits to MSMEs, helping them improve their businesses and support local economic development. BMT successfully facilitates collaboration among members, strengthens economic synergies, and places special emphasis on the welfare of MSME members through a profit-sharing system based on Sharia principles. Despite its positive contributions, the research identifies several challenges faced by BMT Sidogiri, including members who are urban dwellers or newcomers, competition with daily banks/usurers, and technological limitations. Nevertheless, BMT UGT Sidogiri has implemented strategic measures, such as a family-oriented approach and technology integration, to address these challenges.
本研究调查了Baitul Maal Wattamwil (BMT) UGT在Sawangan Depok的Sidogiri分支机构在提高中小微企业(MSMEs)生产力方面的作用及其对当地经济发展的影响。本研究采用描述性分析方法,收集BMT财务报告和以Barakah Business Capital (MUB)形式获得融资的MSME成员的定量数据。此外,通过对BMT管理层和MSME成员的访谈,我们深入了解了BMT在赋予中小微企业权力方面的作用。研究结果表明,BMT UGT Sidogiri分公司对提高中小微企业生产力有显著贡献。提供MUB融资为中小微企业带来了实实在在的好处,帮助它们改善业务,支持当地经济发展。BMT成功地促进了成员之间的合作,加强了经济协同效应,并通过基于伊斯兰教原则的利润分享制度,特别强调了中小微企业成员的福利。尽管有积极的贡献,但研究也指出了BMT Sidogiri面临的一些挑战,包括成员是城市居民或新来者,与日常银行/高利贷者的竞争,以及技术限制。然而,BMT UGT Sidogiri已经实施了战略措施,例如面向家庭的方法和技术集成,以应对这些挑战。
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引用次数: 0
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Amwaluna Jurnal Ekonomi dan Keuangan Syariah
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