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FINANCIAL PERFORMANCE ANALYSIS AT MICROFINANCE INSTITUTIONS: CASE STUDY AT REGIONAL BUSINESS ENTITIES BOGOR REGENCY Noviar, Yan; Hasrul, Hasrul; Herman, Herman
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 5 No. 2 (2025): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v5i2.383

Abstract

Regional Business Entities (BUMD) are business entities whose capital is wholly or largely owned by the regional government. They consist of regional public companies and regional limited liability companies. Bogor Regency has several regional business entities (BUMD) operating in various sectors, including strategic sectors requiring government regulation and commercial sectors not explicitly regulated. Microfinance Institutions (LKM) are financial institutions that provide business development and community empowerment services through loans or financing micro-scale businesses to members and the community. PT Microfinance Institution (PT LKM) Bogor is a company originating from the Bogor District Credit Union (PD. PK), by applicable regulations, and its legal form has become PT LKM Bogor. PT LKM Bogor is at Jalan KSR Dadi Kusmayadi No. 6B Ruko Citra Nusa, Cibinong, Bogor Regency. This research aims to know the development of PT LKM's performance and its problems. The method for evaluating the performance of BUMD PT LKM Bogor was carried out based on assessing the health aspects of the DIR Decree Number 30/SK/KEP/DIR dated 30 April 1997 concerning Procedures for Assessing the Health Level of Rural Banks. It was guided by the Decree of the Minister of Finance of the Republic of Indonesia No. 826/KMK.013/1992. The aspects assessed in determining the level of company health include capital, productive asset quality, management, profitability, and liquidity. Based on the results and discussion above, the conclusions of this research are as follows: PT LKM's performance from 2018-2022 shows UNHEALTHY conditions. One of the reasons why PT LKM's health value is so small is that the quality of its productive assets, which have the most significant weight in determining the company's health level, has very little value.
Enterpreneurship Training: Encouraging MSME Growth in the Startup Ecosystem Anjilni, Ratih Qadarti; Taha, Roshaiza; Kurniawan, Asep; Kuntadi, Susinah; Noviar, Yan; Febriana, Widia; Chartady, Rachmad; Wahyudi, Ickhsanto; Prasetya, Eka Rima; Purnomo, Listiya Ike
Abdimisi Vol. 5 No. 2 (2023): Abdimisi
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/abms.v5i2.44551

Abstract

The startup ecosystem starts from parties that encourage MSMEs in entrepreneurship training. because entrepreneurship training can help MSMEs develop business networks, motivate MSMEs and gain wider access to business assistance. Pamulang Estate is one of the MSME communities in South Tangerang, specifically in Pamulang Timur Village. Pamulang Estate UMKM is a community of several businesses owned by residents who live in the Pamulang Estate Complex. UMKM Pamulang Estate has 68 business actors who are its members. Some of them are food and beverage businesses and handicrafts. Pamulang Estate UMKM members are dominated by housewives whose business is limited to trading and who have not yet focused on developing their business. This PKM aims to provide (1) Pamulang Estate MSMEs with an understanding of the concept of entrepreneurship training. (2) Pamulang Estate MSMEs gain a wider business network in the startup ecosystem environment. (3) Pamulang Estate MSMEs understand the importance of business incubators. Participants understand the importance of promotion and joint marketing. As a result of this PKM, Pamulang Estate MSMEs can understand the importance of entrepreneurship training and participating in business incubators to develop their business. Abstrak Ekosistem start-up dimulai dari pihak-pihak yang mendorong UMKM dalam pelatihan kewirausahaan. Karena pelatihan kewirausahaan dapat membantu UMKM mengembangkan jaringan bisnis, memotivasi UMKM, dan mendapatkan akses yang lebih luas terhadap bantuan bisnis. Pamulang Estate adalah salah satu komunitas UMKM di Tangerang Selatan, khususnya di Desa Pamulang Timur. UMKM Pamulang Estate adalah komunitas dari beberapa usaha yang dimiliki oleh warga yang tinggal di Kompleks Pamulang Estate. UMKM Pamulang Estate memiliki 68 pelaku usaha yang menjadi anggotanya. Beberapa di antaranya adalah usaha makanan dan minuman serta kerajinan tangan. Anggota UMKM Pamulang Estate didominasi oleh ibu rumah tangga yang usaha mereka terbatas pada perdagangan dan belum fokus pada pengembangan usaha. Tujuan dari PKM ini adalah untuk memberikan (1) pemahaman kepada UMKM Pamulang Estate tentang konsep pelatihan kewirausahaan. (2) UMKM Pamulang Estate mendapatkan jaringan bisnis yang lebih luas dalam lingkungan ekosistem start-up. (3) UMKM Pamulang Estate memahami pentingnya inkubator bisnis. Peserta memahami pentingnya promosi dan pemasaran bersama. Sebagai hasil dari PKM ini, UMKM Pamulang Estate dapat memahami pentingnya pelatihan kewirausahaan dan pentingnya berpartisipasi dalam inkubator bisnis untuk mengembangkan usaha mereka. Kata kunci: UMKM Pamulang Estate, Pelatihan Kewirausahaan, Ekosistem Start-Up.