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Keberhasilan Upaya Pemberdayaan Ekonomi Perempuan Anggota KOPMU Daarut Tauhiid melalui Penerapan Social Entrepreneurship Nasution, Fatimah Zahra; Sukmawati, Heni; Wisandani, Iwan
J-Dinamika : Jurnal Pengabdian Masyarakat Vol 9 No 2 (2024): Agustus
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/j-dinamika.v9i2.4489

Pemberdayaan ekonomi perempuan berfokus pada kemampuan perempuan untuk memperoleh akses dan kontrol atas sumber daya produktif dan diakui sebagai partisipasi penuh pelaku ekonomi. Perempuan harus memiliki otonomi dan kepercayaan diri untuk melakukan perubahan kehidupan mereka sendiri, termasuk memiliki hak pilihan dan kekuasaan untuk menentukan keputusan, menikmati kesempatan yang berimbang dengan laki-laki dan mendapatkan kebebasan dari kekerasan. Proses pemberdayaan ekonomi perempuan dapat dilakukan melalui program kewirausahaan. Salah satu komunitas yang menjadi basis pemberdayaan ekonomi perempuan adalah para perempuan muslim anggota Koperasi Pemberdayaan Ummat Daarut Tauhiid (KOPMU-DT) yang tersebar di kota Tasikmalaya, Kabupaten Tasikmalaya, dan Kabupaten Ciamis. Melihat bagaimana pentingnya peran perempuan dalam pembangunan masyarakat produktif maka kegiatan “pemberdayaan ekonomi perempuan melalui social entrepreneurship” dapat menjadi solusi atas permasalahan keterbatasan pengetahuan dan keterampilan mengenai wirausaha dan manajemen usaha. Setelah menganalisis permasalahan dan potensi mitra sasaran, program pemberdayaan ini dibagi menjadi dua, yakni: a) kegiatan penyuluhan kewirausahaan dan manajemen usaha, pelatihan pembuatan tempe, lilin aroma terapi dari limbah minyak jelantah, dan hidangan dessert berbahan bunga telang bagi anggota yang belum berwirausaha dan b) kegiatan penyuluhan manajemen usaha, workshop pemasaran dan manajemen keuangan usaha, serta kegiatan bazaar produk bagi anggota yang sudah berwirausaha. Kegiatan ini berhasil meningkatkan pengetahuan dan keterampilan berwirausaha, manajemen usaha, dan keterampilan memproduksi barang sehingga terjadi peningkatan pendapatan dan tercapainya kemandirian ekonomi perempuan anggota KOPMU-DT Tasikmalaya.

Optimalisasi Pengelolaan Sampah Dapur dalam Pemberdayaan Ekonomi Berbasis Pesantren Nurhasanah, Elis; Nirwanto, Yogi; Shonia Az Zahra, Qiny; Ahmad Nasrulloh, Agus; Sukmawati, Heni
RENATA: Jurnal Pengabdian Masyarakat Kita Semua Vol. 2 No. 2 (2024): Renata - Agustus 2024
Publisher : PT Berkah Tematik Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61124/1.renata.59

Produksi sampah di Kota Tasikmalaya sudah mencapai 320 ton per hari. Jumlah itu akan terus meningkat, seiring bertambahnya populasi penduduk. Dari segi lingkungan sampah dapat menyebabkan pencemaran atau gangguan terhadap lingkungan, maka harus ada upaya dalam menanggulangi permasalahan tersebut dengan cara memanfaatkannya kembali menjadi bahan baku. Fokus kegiatan pengabdian adalah seminar pelatihan, workshop, dan pendampingan, pesantren akan diberikan pengetahuan tentang teknik budidaya Black Soldier Fly (BSF) atau maggot, yang produknya dapat dimanfaatkan sebagai pakan ternak. Mitra dari kegiatan ini adalah Pondok Pesantren Daarul Hanan Insani Kota Tasikmalaya. Tujuan dari kegitan ini adalah untuk meningkatkan pengetahuan, kesadaran dan kepedulian serta keterampilan dalam pengelolaan sampah yang diproduksi mitra dan masyarakat secara efektif dan berkelanjutan, dan memanfaatkannya sebagai sumber ekonomi yang bernilai. Metode yang digunakan menggunakan pendekatan Participatory Rural Appraisal (PRA). Metoda PRA bertujuan menjadikan warga masyarakat sebagai peneliti, perencana, dan pelaksanaan program pembangunan dan bukan sekedar objek. Hasil dari kegiatan ini memiliki dampak yang signifikan dalam berbagai aspek kehidupan di pesantren, baik dari segi lingkungan, segi ekonomi, maupun segi pendidikan. Secara keseluruhan, kegiatan pengabdian kepada masyarakat yang dilaksanakan di Pondok Pesantren Daarul Hanan Insani ini berhasil mencapai tujuannya dan memberikan dampak positif yang berkelanjutan bagi para santri dan lingkungan sekitarnya

Analysis of MSMEs in Tasikmalaya City Based on Business Characteristics and Scale Sukmawati, Heni; Nasution, Fatimah Zahra; Wisandani, Iwan; Mutmainah, Luliyatul
JURNAL EKONOMI SYARIAH Vol 9, No 2 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i2.12828

Introduction to The Problem: The role of MSMEs in the Indonesian economy is very important, including contributing to labor absorption, driving economic growth, GDP and investment as well as economic equality. However, there is a gap in information about MSMEs regarding their characteristics, business scale and distribution, causing information regarding MSMEs to be less detailed, less up to date and difficult to obtain for the development of MSMEs themselves.Purpose/Objective Study: This research aims to collect and analyze data on MSMEs in Tasikmalaya City based on their characteristics and business scale.Design/Methodology/Approach: This research method was carried out using a qualitative descriptive approach. This research collected primary data through interviews and questionnaires and secondary data through databases from related agencies and the entrepreneurial community in Tasikmalaya City. After that, the data is verified and classified based on the characteristics and scale of the business which is presented in table and info graphic form.Findings: This research finds that the number of MSMEs in Tasikmalaya City obtained from primary and secondary data in 2023 will reach 3751 MSMEs. However, only a small portion of MSMEs have complete data and information. The district with the largest number of MSMEs is Cihideung District with 2761 MSMEs and the district with the smallest number of MSMEs is Purbaratu District with 7 MSMEs. The three most common types of business fields are trade, industry and services. The results of this research can be used as information in making decisions regarding MSME research and development programs in Tasikmalaya City.Paper Type: Research ArticleKeywords: MSMEs; Characteristics; Business Scale; Development

Optimization of Islamic Financial Schemes for MSMEs Development Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Sukmawati, Heni; Joni, Joni
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8252

Abstract The growth rate of Micro, Small, and Medium Enterprises (MSMEs) in the City/District of Tasikmalaya has increased steadily over the past six years at around 6.18% annually. MSMEs face challenges related to capital and business development, and the proposed solution is cooperation with financial institutions. However, MSMEs find it difficult to obtain financing from formal financial institutions due to a lack of collateral and sufficient knowledge about financing schemes suitable for their businesses. As a result, MSMEs have to seek funding from non-formal lenders with ribawi contracts, which contradict Islamic principles and local regulations. This practice is also inconsistent with Local Regulation No. 7 of 2014 of Tasikmalaya City and Governor Regulation No. 1 of 2022 of West Java. The aim of this research is to analyze opportunities, challenges, and strategies for optimizing shariah finance in the MSME sector in Tasikmalaya City/Regency. The type of research carried out was descriptive research with a mixed-method approach (qualitative and quantitative) using the Analytic Network Process (ANP). There were 8 respondents in this research, consisting of academics, practitioners, and regulators of Islamic financial institutions in Tasikmalaya City/Regency. The research results show that there are four problems and four solutions to optimize Islamic financial schemes in developing MSMEs, namely community problems, institutions, access, and regulations. The problems and solutions that must be addressed are primarily in society. Massive Islamic financial education needs to continue to be carried out, supported by access to Islamic financing and also the government's firmness in supporting MSMEs through Islamic financial institutions. Tingkat pertumbuhan UMKM di Kota/Kabupaten Tasikmalaya meningkat stabil selama enam tahun terakhir dengan pertumbuhan 6,18% setiap tahunnya. UMKM mengalami kendala terkait modal dan pengembangan usaha, dan solusi yang diusulkan adalah kerjasama dengan lembaga keuangan. Namun, UMKM kesulitan mendapatkan pembiayaan dari lembaga keuangan resmi karena tidak memiliki jaminan dan pengetahuan yang cukup tentang skema pembiayaan yang cocok untuk bisnis mereka. Akibatnya, UMKM harus mencari dana dari pemberi pinjaman non-formal dengan akad ribawi, yang bertentangan dengan prinsip Islam dan regulasi setempat. Praktik ini juga tidak sejalan dengan Peraturan Daerah Kota Tasikmalaya Nomor 7 Tahun 2014 dan Peraturan Gubernur Jawa Barat Nomor 1 Tahun 2022. Tujuan dari penelitian ini adalah untuk menganalisis peluang, tantangan dan strategi optimalisasi keuangan syariah pada sektor UMKM di Kota/Kabupaten Tasikmalaya. Jenis penelitian yang dilakukan adalah penelitian deskriptif dengan pendekatan Mixed Method (kualitatif dan kuantitatif) dengan menggunakan Analytic Network Process (ANP). Terdapat 8 orang responden dalam penelitian ini yang terdiri dari praktisi, akademisi, dan regulator lembaga keuangan syariah di Kota/Kabupaten Tasikmalaya. Hasil penelitian menunjukkan bahwa terdapat empat permasalahan dan empat solusi untuk mengoptimalkan skema keuangan syariah dalam mengembangkan UMKM, yaitu permasalahan masyarakat, kelembagaan, akses, regulasi. Permasalahan dan solusi yang harus dibenahi terutama pada masyarakat. Edukasi keuangan syariah secara masif perlu terus dilakukan, didukung dengan akses pembiayaan syariah dan juga ketegasan pemerintah dalam mendukung UMKM melalui lembaga keuangan syariah.

Efficiency Strategy for Indonesian Islamic Commercial Banks During the Covid-19 Pandemic Wisandani, Iwan; Sukmawati, Heni
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 4 No. 4 (2023): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.04.04.02

Islamic Commercial Banks must be aware of their degree of efficiency to optimize each bank's potential and take advantage of every opportunity. For a bank to succeed, its operations must be efficient; if they are, the value of the business will rise. This investigation used 12 Islamic commercial banks as its subject to assess the level of efficacy of Islamic retail banks in Indonesia. The data analysis method in this study is the Data Envelopment Analysis (DEA) method using the Charnes Chooper and Rhoodes (CCR) model, specifically the Constant Return to Scale (CRS) approach. The two variables employed in this study were used as input and output variables. TPF, Assets, Operational Costs, and Non-Operational Costs are the input variables. The function of funding is the output variable—income from operations and non-operational sources. In addition, a SWOT analysis is conducted based on the findings of the DEA study to determine the strategies used during the Covid-19 pandemic. According to the Input and Output method, two banks have been inefficient for 4 years, and five have changed BUS efficiency from 2015 to 2018. BTPN Syariah, BJB Syariah, Bank Mega Syariah, Bank Syariah Bukopin, Bank Victoria Syariah, and Bank Panin Dubai Syariah are the five (five) banks in question. The average efficiency of Indonesia's Islamic Commercial Banks for that period, from 2015 to 2018, was 91%, which suggests that despite falling short of 100% (excellent).

Determinan Penggunaan Digital Payment dalam Pembayaran Wakaf Uang: Ekstensi Teori Technology Acceptance Model Arbaien, Muhamad Fasya Nur; Sukmawati, Heni; Andani, Listia
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7605

Indonesia has significant potential in developing the sharia economy, particularly in the cash waqf sector, despite its current low realization. This study explores the digitalization of cash waqf through e-wallets, crowdfunding, and shopping charity using the Technology Acceptance Model (TAM). A quantitative descriptive method with Smart PLS 3.0 analysis was applied to Muslim respondents in West Java who have used digital payment for cash waqf. The results indicate that perceived usefulness significantly influences attitudes and intentions, while perceived ease of use only impacts perceived usefulness. A positive attitude towards technology enhances the intention to use, thereby promoting the adoption of digital payment in cash waqf. Trust plays a crucial role in building user loyalty. The study implies the need to improve the quality of user interface (UI) and user experience (UX), transparency in fund management, and education on the benefits of digital payment to increase adoption and trust. Further research is recommended to explore digital literacy, government support, and employ longitudinal designs to understand changes in community attitudes and behaviors over time.

Traffic Education In Contemporary Islamic Education Curriculum In Indonesia Yahiji, Kasim; Sukmawati, Heni; Alfin, Jauharoti; Mahfud, Choirul
TADARUS Vol 7 No 2 (2018)
Publisher : Prodi Pendidikan Agama Islam - Fakultas Agama Islam ( FAI )

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/td.v7i2.2225

Abstract Islamic studies that discuss the issue of traffic education in contemporary Islamic education curriculum in Indonesia are necessary to be followed up more seriously. In this context, the main purpose of this research is to find out what and how the problems of traffic as well as traffic education in Indonesia? What is the urgency of developing a traffic education curriculum in an Islamic perspective? This paper is written using qualitative data which is based on references and literature on books, news, journals and opinions in the mass media and other relevant sources in the study of the development of the traffic education in contemporary Islamic education curriculum in Indonesia. The results of the study show that: First, the problem of traffic education in Indonesia is very complex. From day to day, we know that the number of accidents has not yet dropped significantly.Even the highest accident rates occur in the age of students and school children. Secondly, the development of a traffic education curriculum in an Islamic perspective is very urgent given the many problems caused by the many factors underlying traffic accidents. Muslims and Islamic education institutions in this country should take a role of the awareness of students and schoolchildren to carefully keep trying to realize, know and obey all traffic rules for the safety and common good. Keywords: Traffic Problems, Curriculum Development and Islamic Education

Effectiveness of Education on Providing Complementary Feeding Textures Appropriate to Toddlers' Ages for Stunting Prevention Susilowati, Prima Endang; Listyawardhani, Yana; Betaditya, Dika; Ghaffar, Mufti; Sukmawati, Heni
Jurnal Abmas Negeri (JAGRI) Vol. 6 No. 1 (2025): Volume 6 Nomor 1 Juni 2025
Publisher : Sarana Ilmu Indonesia (salnesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36590/jagri.v6i1.1331

Failure to thrive in children is influenced by the quality of food consumed. Children aged six months and above require complementary feeding as a nutritional supplement, which should be prepared with texture suitable for their age to ensure digestibility. Local fish, containing low allergencity protein, is a recommended choice for complementary feeding. This activity aimed to enhance knowledge among mothers of toddlers, particularly those with children aged 6–12 months, about complementary feeding using local ingredients. The participants were mothers active in Naluri Posyandu and Kencana Posyandu in Panglayungan Village, Tasikmalaya City. The method involved stages of activity, including (1) monitoring child weight and (2) providing nutritional education on complementary feeding. The nutritional status monitoring showed that 20,00% of toddlers in Naluri Posyandu were stunted, with 9,00% severely stunted. While in Kencana Posyandu, 21,00% were stunted and 6,00% severely stunted. Through educational activities, mothers’ knowledge significantly improved, with pretest scores averaging 5.87 and posttest scores 8.02. The Wilcoxon test confirmed a significant difference in knowledge before and after intervention (p-value =0,000, p-value <0,05). This program had a positive impact on enhancing maternal knowledge. It is recommended that posyandu continue regular educational activities on complementary feeding and related topics, either through posyandu cadres or in collaboration with relevant institutions.

Optimization of Islamic Financial Schemes for MSMEs Development Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Sukmawati, Heni; Joni, Joni
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8252

Abstract The growth rate of Micro, Small, and Medium Enterprises (MSMEs) in the City/District of Tasikmalaya has increased steadily over the past six years at around 6.18% annually. MSMEs face challenges related to capital and business development, and the proposed solution is cooperation with financial institutions. However, MSMEs find it difficult to obtain financing from formal financial institutions due to a lack of collateral and sufficient knowledge about financing schemes suitable for their businesses. As a result, MSMEs have to seek funding from non-formal lenders with ribawi contracts, which contradict Islamic principles and local regulations. This practice is also inconsistent with Local Regulation No. 7 of 2014 of Tasikmalaya City and Governor Regulation No. 1 of 2022 of West Java. The aim of this research is to analyze opportunities, challenges, and strategies for optimizing shariah finance in the MSME sector in Tasikmalaya City/Regency. The type of research carried out was descriptive research with a mixed-method approach (qualitative and quantitative) using the Analytic Network Process (ANP). There were 8 respondents in this research, consisting of academics, practitioners, and regulators of Islamic financial institutions in Tasikmalaya City/Regency. The research results show that there are four problems and four solutions to optimize Islamic financial schemes in developing MSMEs, namely community problems, institutions, access, and regulations. The problems and solutions that must be addressed are primarily in society. Massive Islamic financial education needs to continue to be carried out, supported by access to Islamic financing and also the government's firmness in supporting MSMEs through Islamic financial institutions. Tingkat pertumbuhan UMKM di Kota/Kabupaten Tasikmalaya meningkat stabil selama enam tahun terakhir dengan pertumbuhan 6,18% setiap tahunnya. UMKM mengalami kendala terkait modal dan pengembangan usaha, dan solusi yang diusulkan adalah kerjasama dengan lembaga keuangan. Namun, UMKM kesulitan mendapatkan pembiayaan dari lembaga keuangan resmi karena tidak memiliki jaminan dan pengetahuan yang cukup tentang skema pembiayaan yang cocok untuk bisnis mereka. Akibatnya, UMKM harus mencari dana dari pemberi pinjaman non-formal dengan akad ribawi, yang bertentangan dengan prinsip Islam dan regulasi setempat. Praktik ini juga tidak sejalan dengan Peraturan Daerah Kota Tasikmalaya Nomor 7 Tahun 2014 dan Peraturan Gubernur Jawa Barat Nomor 1 Tahun 2022. Tujuan dari penelitian ini adalah untuk menganalisis peluang, tantangan dan strategi optimalisasi keuangan syariah pada sektor UMKM di Kota/Kabupaten Tasikmalaya. Jenis penelitian yang dilakukan adalah penelitian deskriptif dengan pendekatan Mixed Method (kualitatif dan kuantitatif) dengan menggunakan Analytic Network Process (ANP). Terdapat 8 orang responden dalam penelitian ini yang terdiri dari praktisi, akademisi, dan regulator lembaga keuangan syariah di Kota/Kabupaten Tasikmalaya. Hasil penelitian menunjukkan bahwa terdapat empat permasalahan dan empat solusi untuk mengoptimalkan skema keuangan syariah dalam mengembangkan UMKM, yaitu permasalahan masyarakat, kelembagaan, akses, regulasi. Permasalahan dan solusi yang harus dibenahi terutama pada masyarakat. Edukasi keuangan syariah secara masif perlu terus dilakukan, didukung dengan akses pembiayaan syariah dan juga ketegasan pemerintah dalam mendukung UMKM melalui lembaga keuangan syariah.

Analisis Kesehatan Mental Anak Korban Perundungan (Bullying) di Madrasah Ibtidaiyah Maraqitta'limat Panggung Sukmawati, Heni; Rahayu, Fitriani; Made, Lalu Belik
Arus Jurnal Psikologi dan Pendidikan Vol 3 No 2: Juni (2024)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajpp.v3i2.483

Heni Sukmawati (2024) Tujuan pelaksanan penelitian ini adalah,(1) Untuk mengetahui bagaimana dampak bullying terhadap kondisi kesehatan mental siswa siswi di MI Maraqitta’limat Panggung (2) Untuk mengetahui upaya guru dalam menanggulangi kasus bullying yang terjadi di MI Maraqitta’limat Panggung. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian deskriptif dengan pendekatan kualitatif. Penelitian deskriptif adalah penelitian yang memberikan gambaran terhadap obyek yang diteliti secara sistematis, factual dan akurat. Hasil penelitian analisis kesehatan mental anak korban perundungan (bullying) di MI Maraqitta’limat Panggung, berdasarkan hasil obsevasi, wawancara dan dokumentasi, yang di peroleh perubahan perilaku yang tadinya kesehatan mental peserta didik terganggu menjadi normal kembali, Peserta didik bisa lebih aktif lagi dalam belajar, tidak lagi suka menyendiri, menjadi anak yang ceria, pandai berbaur dengan teman, tidak lagi menjadi anak pemurung, lebih percaya diri, tidak terliat trauma dengan temannya lagi dan terlihat tidak stres lagi Dengan demikian dapat di simpulkan bahwa dengan di terapkan analisis kesehatan mental ini dapat mengubah perilaku siswa / siswi yang kesehatan mentalnya terganggu menjadi normal kembali di MI Maraqitta’limat Panggung.

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