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Pemberdayaan UMKM dan Masyarakat Desa Melalui Manajemen Keuangan dan Pemasaran Digital: Strategi Mewujudkan Kemandirian Ekonomi di Desa Purwokerto, Kecamatan Brangsong, Kabupaten Kendal Kusumawardani, Anisa; Savitri, Dhian Andanarini Minar; Suyatno, Maulana Ihsan Yusufi; Prasetya, Aditya Yoga; Praptitorini, Mirna Dyah
Jurnal Vokasi Vol 9, No 2 (2025): Juli
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/vokasi.v9i2.7124

Kegiatan pengabdian masyarakat ini bertujuan untuk memberdayakan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Purwokerto, Kecamatan Brangsong, Kabupaten Kendal melalui peningkatan kapasitas dalam hal legalitas usaha, pengelolaan keuangan, dan pemasaran digital. Berdasarkan hasil observasi awal, ditemukan berbagai permasalahan yang dihadapi oleh pelaku UMKM, antara lain belum memiliki Nomor Induk Berusaha (NIB), kemasan produk yang kurang menarik, belum memanfaatkan media digital sebagai sarana pemasaran, serta minimnya pemahaman tentang pencatatan keuangan. Metode pelaksanaan kegiatan meliputi tiga tahapan utama, yaitu identifikasi dan pemetaan kebutuhan UMKM, pelaksanaan sosialisasi serta pendampingan secara langsung, dan evaluasi keterlibatan mitra. Kegiatan yang dilakukan meliputi pembuatan NIB, pembuatan akun Google Maps, desain kemasan produk, pembuatan konten digital, pelatihan penggunaan aplikasi BukuWarung, dan sosialisasi pemasaran digital. Hasil kegiatan menunjukkan bahwa pelaku UMKM menunjukkan antusiasme yang tinggi dan mulai memahami pentingnya pengelolaan usaha secara modern dan berkelanjutan. Melalui kegiatan ini, diharapkan UMKM di Desa Purwokerto mampu mengembangkan usahanya secara mandiri dan adaptif terhadap perkembangan teknologi, sehingga dapat berkontribusi dalam peningkatan ekonomi desa.

The Impact of Islamic Economic Law on Financial Regulation: Evidence from the Indonesian Dual Financial System: Dampak Implementasi Hukum Ekonomi Islam terhadap Regulasi Keuangan: Kajian Sistem Keuangan Ganda Indonesia Suyatno, Maulana Ihsan Yusufi; Kusumawardani, Anisa; Praptitorini, Mirna Dyah; Suyatno, Primadhani Dyah Larasati
Al Dzahab Vol. 6 No. 2 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i2.5863

Purpose: This study examines the impact of Islamic Economic Law on financial regulation within the context of Indonesia’s dual financial system, while addressing the research gap that rarely explores regulatory challenges arising from the integration of conventional and Islamic frameworks. Design/Methodology/Approach: Employing a mixed-methods approach, this research combines qualitative data from 15 stakeholders—including regulators, academics, and practitioners—with secondary data drawn from institutional reports and reputable journals (2018–2024). Findings: The results reveal that Islamic Economic Law enhances regulatory ethics and transparency. The integration of Islamic finance fosters financial inclusion. Although the dual financial system offers potential synergies, its implementation remains hindered by regulatory fragmentation and low public literacy. Research Implications: This study contributes both theoretically—by linking Maqasid al-Shariah to an inclusive regulatory framework—and practically, by providing recommendations for regulatory harmonization between OJK and DSN-MUI, improving financial literacy, and fostering product innovation. The findings affirm Indonesia’s position as a potential global reference for the integration of ethical finance.

The Effect of Modified Audit Opinion on Borrowing Cash Flow and Investment Cash Flow on Non-Financial Companies Praptitorini, Mirna Dyah; Kartika, Andi; Bhandari, Rahul; Ratsameemonthon, Chadchom; Nasir, Wan Mohd Nazdrol bin Wan Mohd; Supriyadi, Supriyadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 4 No 1 (2021): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v4i1.5430

This study aims to test and analyze the effect of modified audit opinion on borrowing cash flow and investment cash flow. Factors that affect borrowing cash flow and investment cash flow are modified audit opinions. The control variables used are profitability, leverage, company size, and operating cash flow. The population and research sample are all non-financial companies listed on listed in the Indonesia Stock Exchange (IDX), National Stock Exchange of India Ltd (NSE), and the Stock Exchange of Thailand (SET) in 2016-2018. This study examined 930 data derived from non-financial companies listed on the Stock Exchange in the period 2016-2018. The analysis method used in this study used multiple regression analysis. The results of this study show that modified audit opinion has a significant negative effect on borrowing cash flow and investment cash flow. The variables of profitability control, company size, and operating cash flow have a significant positive effect on borrowing cash flow while leverage does not affect borrowing cash flow. The results of this study can be a recommendation for regulators or banks to make audit opinions one of the criteria for banks when lending and for company leaders to pay attention to matters related to the results of financial statement audits so that it can make it easier to obtain funding from outside the company.

The Impact of Islamic Economic Law on Financial Regulation: Evidence from the Indonesian Dual Financial System: Dampak Implementasi Hukum Ekonomi Islam terhadap Regulasi Keuangan: Kajian Sistem Keuangan Ganda Indonesia Suyatno, Maulana Ihsan Yusufi; Kusumawardani, Anisa; Praptitorini, Mirna Dyah; Suyatno, Primadhani Dyah Larasati
Al Dzahab Vol. 6 No. 2 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i2.5863

Purpose: This study examines the impact of Islamic Economic Law on financial regulation within the context of Indonesia’s dual financial system, while addressing the research gap that rarely explores regulatory challenges arising from the integration of conventional and Islamic frameworks. Design/Methodology/Approach: Employing a mixed-methods approach, this research combines qualitative data from 15 stakeholders—including regulators, academics, and practitioners—with secondary data drawn from institutional reports and reputable journals (2018–2024). Findings: The results reveal that Islamic Economic Law enhances regulatory ethics and transparency. The integration of Islamic finance fosters financial inclusion. Although the dual financial system offers potential synergies, its implementation remains hindered by regulatory fragmentation and low public literacy. Research Implications: This study contributes both theoretically—by linking Maqasid al-Shariah to an inclusive regulatory framework—and practically, by providing recommendations for regulatory harmonization between OJK and DSN-MUI, improving financial literacy, and fostering product innovation. The findings affirm Indonesia’s position as a potential global reference for the integration of ethical finance.

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