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All Journal ACADEMIA: Jurnal Inovasi Riset Akademik Income: Innovation Of Economics And Management Jurnal Ilmiah Dan Karya Mahasiswa
Rusyaida Rusyaida
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Other

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Misuse of PNPM Mandiri Rural Loan Funds (Case Study in Jorong Lubuak Batingkok) Sukma Indah Darianti; Asyari Asyari; Hesi Eka Putri; Rusyaida Rusyaida
INCOME: Innovation of Economics and Management Vol. 6 No. 1 (2026): June
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v6i1.7207

Abstract

Purpose – This study examines the misuse of revolving loan funds in the National Program for Community Empowerment in Rural Areas (PNPM Mandiri Perdesaan) within the Women's Savings and Loans Group (SPP) Usao Amai, Lima Puluh Kota Regency, and identifies contributing factors. Design/methodology/approach – A qualitative descriptive approach was employed, utilizing observation, semi-structured interviews, and documentation involving group members, administrators, and community leaders. Findings/Results – Revolving funds were primarily used for consumptive purposes—household expenses, education, medical costs, and debt repayment—rather than productive business activities. Despite this misuse, repayment rates remained stable due to strong social solidarity and mutual trust. Key factors contributing to misuse include weak supervision, low financial literacy, unstable household economies, and misperceptions of the program as flexible government assistance rather than business capital. Originality/Value – From an Islamic economics perspective, fund misuse deviates from principles of amanah (trustworthiness) and responsibility in managing qardh (loans), though members' commitment to repayment reflects enduring moral values. The study recommends strengthening supervision, providing financial literacy training, and integrating Islamic economic principles into community empowerment programs.
Strategi Petani Sayur dalam Meningkatkan Pendapatan Perspektif Ekonomi Islam di Nagari Sikabau Kabupaten Dharmasraya Melani Parastica; Rusyaida Rusyaida
Jurnal Ilmiah Dan Karya Mahasiswa Vol. 4 No. 3 (2026): Juni : JURNAL ILMIAH DAN KARYA MAHASISWA (JIKMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jikma.v4i3.4903

Abstract

This study aims to analyze the strategies of vegetable farmers in improving their income from the perspective of Islamic economics in Nagari Sikabau, Dharmasraya Regency. The problems identified include low farmer income due to limited capital, dependence on middlemen, and weak farm management that has not been fully based on sharia principles. This research employs a qualitative method with in-depth interviews, observation, and documentation involving vegetable farmers, village officials, and Islamic financial institutions. Data were analyzed through data reduction, data display, and conclusion drawing using a SWOT approach to identify strengths, weaknesses, opportunities, and threats in the development of vegetable farming activities. The findings show that the vegetable farming business is positioned in Quadrant III (turnaround strategy), indicating that external opportunities are significant while internal strengths remain limited. The strategies implemented include improving farmers’ capacity, crop diversification, strengthening farmer groups, and establishing financing partnerships with Islamic financial institutions. In terms of Islamic values, farmers have practiced principles of justice (al-‘adl), honesty (sidq), and mutual cooperation (ta‘awun), although the application of Islamic agricultural contracts such as muzara‘ah and musaqah remains suboptimal. The study concludes that applying Islamic economic values can enhance farmers’ income in a fair and blessed manner. The implications of this research are expected to provide recommendations for local governments and Islamic financial institutions in designing sharia-based farmer empowerment programs to achieve material and spiritual well-being (falah) in Nagari Sikabau.
PENGARUH HUMAN CAPITAL DAN INKLUSI SOSIAL TERHADAP EMPLOYABILITY PELAKU UMKM BIDANG KULINER DI PASAMAN Kiki Razroma Yantika; Rusyaida Rusyaida
ACADEMIA: Jurnal Inovasi Riset Akademik Vol. 6 No. 4 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/academia.v6i4.13833

Abstract

The sustainability and competitiveness of culinary micro, small, and medium enterprises (MSMEs) depend not only on financial resources but also on human resource quality and access to socio-economic opportunities. In Pasaman Regency, the declining number of active culinary MSMEs highlights the need to strengthen business owners' capabilities to adapt to changes and sustain their businesses. This study aims to examine the effects of human capital and social inclusion on the employability of culinary MSME owners in Pasaman Regency. A quantitative approach with an explanatory research design was employed. The sample consisted of 380 MSME owners selected through stratified random sampling. Data were collected using a Likert-scale questionnaire and analyzed through Structural Equation Modeling–Partial Least Squares (SEM-PLS) using SmartPLS 4. The findings indicate that human capital has a positive and significant effect on employability (β = 0.522; t = 4.264; p = 0.000). Social inclusion also has a positive and significant effect (β = 0.480; t = 4.049; p = 0.000). Together, both variables explain 28% of the variation in employability. These findings emphasize the importance of strengthening individual competencies and expanding socio-economic access through training, financing, technology, and business networks to support MSME owners' adaptability and sustainable business development. ABSTRAK Keberlangsungan dan daya saing UMKM kuliner tidak hanya ditentukan oleh ketersediaan modal, tetapi juga oleh kualitas sumber daya manusia dan kesempatan memperoleh akses sosial-ekonomi. Di Kabupaten Pasaman, penurunan jumlah UMKM kuliner aktif menunjukkan pentingnya penguatan kemampuan pelaku usaha dalam menghadapi perubahan dan mempertahankan keberlangsungan usahanya. Penelitian ini bertujuan menganalisis pengaruh human capital dan inklusi sosial terhadap employability pelaku UMKM bidang kuliner di Kabupaten Pasaman. Penelitian menggunakan pendekatan kuantitatif dengan desain eksplanatori. Sampel terdiri atas 380 pelaku UMKM yang dipilih melalui teknik stratified random sampling. Data dikumpulkan menggunakan kuesioner skala Likert dan dianalisis dengan Structural Equation Modeling–Partial Least Squares (SEM-PLS) menggunakan SmartPLS 4. Hasil penelitian menunjukkan bahwa human capital berpengaruh positif dan signifikan terhadap employability (β = 0,522; t = 4,264; p = 0,000). Inklusi sosial juga berpengaruh positif dan signifikan (β = 0,480; t = 4,049; p = 0,000). Kedua variabel menjelaskan 28% variasi employability. Temuan ini menegaskan pentingnya peningkatan kompetensi individu dan perluasan akses sosial-ekonomi melalui pelatihan, pembiayaan, teknologi, serta jaringan usaha untuk mendukung kemampuan pelaku UMKM dalam beradaptasi dan mengembangkan usaha secara berkelanjutan.
Co-Authors Asyari Asyari Hesi Eka Putri Kiki Razroma Yantika Melani Parastica Sukma Indah Darianti