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All Journal FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory
Taufika Ophiyandri
Unknown Affiliation
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence Of Social Capital And Human Capital On The Performance Of Small And Medium Enterprises In The City Of North Padang Lawas Replita; Nursyirwan Effendi; Taufika Ophiyandri; Alfan Miko
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 3 No. 1 (2025)
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v3i1.992

Abstract

The food and beverage industry in North Padang Lawas requires a lot of labor. Companies use labor as social and human capital. The purpose of this study is to descriptively analyze, analyze the effect of human capital and social capital on the performance of food and beverage SMEs in North Padang Lawas City, and then make recommendations to improve SME performance. The methods used in this study include performance value analysis (IPA), fish bar diagrams, and structural formula analysis (SEM) with a Partial Least Squares (PLS) approach. The results of SEM analysis showed that. As a result, it is recommended to improve the performance of SMEs through supporting activities, such as establishing a quality control system and production implementation standards, improving the facilities owned by SMEs, and participating in training that improves the ability of SME employees.
THE ROLE OF JULO-JULO IN OVERCOMING THE NEGATIVE IMPACT OF MONEY LENDER PRACTICES ON COMMUNITY ECONOMIC DEVELOPMENT Replita Replita; Nursyirwan Effendi; Taufika Ophiyandri; Djuljastri Abdul Rajak; Alfan Miko
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 2 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i2.11026

Abstract

The practice of loan sharks in low-income communities results in economic dependence and long-term financial difficulties. The presence of Julo-Julo as a community-based traditional financial institution becomes an important alternative that can provide more humane and socially just financial solutions. The purpose of this study is to understand the role of Julo-Julo in the economic development of the community, especially at the grassroots level. This study uses a qualitative descriptive approach, with data that cannot be measured on a numerical scale. Research results state the role of Traditional Julo-Julo in overcoming the negative impacts of loan shark practices by reducing risks, conducting socialization, and providing the best services. The strategy of Traditional Julo-Julo is to keep the community away from usury practices by implementing a proactive approach and freeing the community from dependence on loan sharks.
Co-Authors Ali Hardana Djuljastri Abdul Rajak Miko, Alfan Nursyirwan Effendi, Nursyirwan Replita Replita Replita Replita, Replita