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All Journal Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat BISMA (Bisnis dan Manajemen)
Chairul Saleh
Universitas Jember
Agriculture, Biological Sciences & Forestry Social Sciences

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Pemberdayaan Masyarakat Pengangguran di Kawasan Lereng Argopuro untuk Pengembangan Ekonomi Lokal Rachmat Udhi Prabowo; Dimas B. Bastara; Chairul Saleh; Dyah Ayu Nugraheni; Kuni Z. Barikah; Eliene Br. Simatupang
Agrokreatif: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 11 No. 2 (2025): Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agrokreatif.11.2.382-394

Abstract

The slopes of Mount Argopuro are naturally rich in inactive volcanoes in Indonesia. The surrounding community uses this area as a place for economic livelihoods. One of the dominant economic sectors in which the surrounding community chooses to meet its living needs is the agricultural sector, particularly the livestock sector. Community empowerment activities aim to 1) Increase understanding of business innovation to increase the added value of managing livestock waste; 2) Build pioneering business institutions through Community Business Groups; and 3) Initiate business marketing and sustainability. The method of implementing community empowerment includes socialization and training with four criteria: 1) Providing material on the importance of institutions; 2) Product diversity as a requirement for developing livestock waste processing businesses; 3) Business Development Practices; and 4) Strengthening business management. Community empowerment activities are equipped with activity evaluation methods through surveys that provide pre-test and post-test treatments to the unemployed community in Panti Village. The results of the Community Service show that the unemployed community in Panti Village can understand the benefits of strengthening institutions based on business legality and the creation of AD/ART as a basic requirement for the formation of institutions. The unemployed community can know, understand, and develop skills in the diversity of livestock waste processing that have not been utilized either economically or ecologically. An unemployed community can create packaging designs, promotions, networking, social media accounts, product trust concepts, and management to improve business performance. To improve the sustainability of the program and product absorption, the community empowerment team cooperates based on business transparency with the business incubator of the Faculty of Economics and Business Laboratory, University of Jember to improve networking and product expansion in the future.
Intention model and factors leading to MSMEs falling into the trap of illegal online loans Lilik Farida; Chairul Saleh; Ketut Indraningrat; Elok Sri Utami; Tria Apriliana
BISMA (Bisnis dan Manajemen) Vol. 18 No. 1 (2025)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n1.p86-112

Abstract

The micro, small, and medium enterprises (MSMEs) sector in Indonesia plays a vital role in the economy and job creation, but often struggles with limited access to capital. As a result, many MSMEs turn to fintech solutions or online loans, including illegal ones, which usually trap them in high-interest debt. Factors influencing this behaviour include social norms, perceived behavioural control, financial literacy, risk perception, interest rates, social influence, perceived ease of use, perceived usefulness, trust in illegal loans, education level, and social media usage for advertising. At the same time, the Financial Services Authority (OJK) are working to reduce MSMEs’ involvement with illegal online loans. This research aims to examine the factors that drive MSMEs to use illegal loans, focusing on how trust in online loans and the intention to use them mediate this behaviour. Additionally, education level and frequency of social media use are examined as moderating factors. The study surveyed 330 MSMEs and analysed the data using structural equation modelling. The findings indicate that subjective norms significantly increase trust in illegal loans but do not significantly impact the intention to use them. Perceived behavioural control influences both trust and the intention to use illicit loans. Interest rates also have a significant positive effect on both trust and intention. Social influence increases trust but decreases the intention to use illegal loans. Lastly, the intention to use illicit loans strongly predicts actual behaviour, with education level reinforcing this link, while frequent social media use weakens it.
Co-Authors Dimas B. Bastara Dyah Ayu Nugraheni Eliene Br. Simatupang Elok Sri Utami Ketut Indraningrat Kuni Z. Barikah Lilik Farida Rachmat Udhi Prabowo Tria Apriliana