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The Effect of Perceived Risk, Benefit, and Ease of Credit on Credit-Making Decisions Among MSMEs in Sragen Regency Mustofa, Rochman Hadi; Pamungkas, Leonny Noviyana Sakti; Karima, Mutiara; Zemafi, Okindy Dheawara
Journal of International Conference Proceedings Vol 6, No 7 (2023): 2023 ICPM Bali Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i7.2744

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth MSMEs are considered a new economic wheel that can encourage the regional economy to contribute to employment This study aimed to examine the effect of perceived risk, benefits, and ease of credit on taking credit decision-making in MSMEs in the Sragen Regency. Data were collected from as many as 153 respondents who are MSMEs in Sragen Regency using a Likert scale questionnaire. The sampling technique used is random cluster sampling in each sub-district in Sragen Regency. The data analysis includes assumption, multiple linear regression, and hypothesis testing (t-test and F-test). The research results show that the perception of risk, the perception of benefits, and the ease of credit significantly affect the credit-making decisions of MSME actors in the Sragen Regency. This research implies that capital providers need to pay attention to the public's view of the risks, benefits, and convenience of credit by socializing, being more responsive and informative about criticism and suggestions, and providing solutions for MSMEs with financial problems.
The Role of Teachers in Building the Nationalism Spirit of Immigrant Children in PPWNI Klang Mustofa, Rochman Hadi; Rahmawati, Siti; Gano-an, Jonathan Camana
Jurnal Pendidikan Ilmu Sosial Vol. 34 No. 2 (2024): JURNAL PENDIDIKAN ILMU SOSIAL
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jpis.v34i2.5889

Abstract

Indonesia, which is diverse in ethnicity and religion, needs nationalism to prevent racial conflict and maintain unity. Nationalism prioritizes loyalty to the country and transcends differences. Pancasila must be applied from an early age to shape the nationalism of the younger generation. Equitable education is a constitutional right, but many children of migrant workers in Malaysia face barriers to accessing education, requiring interventions to increase their motivation to learn. The service was carried out at PPWNI Klang, Malaysia, involving the collaboration of lecturers and students through learning assistance. The activity took place in January-February 2023 at the learning center. This descriptive qualitative research uses interviews, observations, and documentation to describe the strategy of internalizing religious moral values in learning, providing an evaluation for the next service program. The number of students at PPWNI Klang is large, but only two teachers teach, with five limited classrooms. Learning activities are held in two sessions. The role of teachers is very important in building the spirit of nationalism by teaching moral values, providing positive examples, and using various learning methods to develop students' nationalist attitudes, despite constraints in facilities and infrastructure. Research shows that at PPWNI Klang, Malaysia, the number of students is not proportional to the number of teachers who are only two people, and classrooms are limited. Nevertheless, teachers play an important role in building the spirit of nationalism through real examples, mutual respect, tolerance, and cooperation.
TRANSFORMASI KEBIASAAN POSITIF SISWA MELALUI DISIPLIN POSITIF (STUDI KASUS DI SEKOLAH PENGGERAK) Mustofa, Rochman Hadi; Suranto; Narimo, Sabar; Dermawan, Dika
Buletin Literasi Budaya Sekolah Vol. 6, No. 2, Desember 2024
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/blbs.v6i2.6236

Abstract

Disiplin positif menjadi salah satu aspek dalam kurikulum Merdeka yang diimplementasikan pada Sekolah Penggerak. Implementasi disiplin positif di institusi pendidikan di Indonesia menarik untuk dilihat mengingat tujuan besarnya pada transformasi pendidikan. Penelitian ini bertujuan untuk mendeskripsikan implementasi disiplin positif di Sekolah Penggerak yang mengimplementasikan Kurikulum Merdeka. Metode kualitatif dengan pendekatan studi kasus digunakan pada penelitian ini. Tempat penelitian yaitu SMAN 1 Banjarnegara yang memasuki tahun kedua dalam implementasi Kurikulum Merdeka. Pengumpulan data dilakukan melalui wawancara, Focus Group Discussion dan observasi. Informan dalam penelitian meliputi kepala sekolah, guru komite pembelajaran, guru bimbingan konseling, serta siswa. Temuan dalam penelitian menunjukkan bahwa perlu adanya kesepakatan bersama antara warga sekolah yang dibangun terlebih dahulu. Peran kepala sekolah dan guru komite sangat penting dalam memastikan disiplin positif dijalankan di sekolah. Bentuk praktik baik yang bisa diimplementasikan di sekolah juga dibahas dalam temuan penellitian ini. Hasil penelitian ini memiliki kebaruan dalam implementasi disiplin positif pada Kurikulum Merdeka di Indonesia.
Implementasi Proyek Penguatan Profil Pelajar Pancasila (P5) SMA di Provinsi Jawa Tengah Yetik Nur Dwi Handayani; Rochman Hadi Mustofa
G-Couns: Jurnal Bimbingan dan Konseling Vol. 9 No. 3 (2025): Agustus 2025. G-Couns: Jurnal Bimbingan dan Konseling
Publisher : Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/g-couns.v9i3.7326

Abstract

Proyek Penguatan Profil Pelajar Pancasila (P5) ialah suatu program kurikulum nasional guna menanamkan karakter siswa agar bersesuaian dengan nilai-nilai Pancasila. Riset ini dilakukan pada bulan Oktober hingga November 2024 untuk menggambarkan strategi penerapan P5 di SMA Negeri 1 Gondang, Kabupaten Sragen, Provinsi Jawa Tengah. Metode penelitian yang digunakan adalah kualitiatif. Wawancara, observasi, serta dokumentasi diaplikasikan sebagai teknik dalam mengumpulkan data. Informan dipilih menggunakan metode purposive sampling, mencakup siswa, fasilitator/guru, serta wakil kepala sekolah bagian kurikulum. Data dianalisis menggunakan teknik analisis tematik, melalui tahap reduksi data, penyajian data, dan penarikan kesimpulan. Berdasarkan riset ditemukan bahwa: 1) pentingnya kepemimpinan kepala sekolah dalam P5; 2) pentingnya tim dalam proyek level sekolah; 3) perlunya identifikasi kesiapan sekolah; 4) kerjasama sekolah dengan pihak eksternal; 5) perlunya asesmen dan evaluasi P5; 6) adanya fasilitas yang memadai serta dukungan dari pihak internal maupun eksternal menjadi faktor pendukung; 7) faktor penghambatnya yaitu terbatasnya guru fasilitator di sekolah. Kata kunci: karakter peserta didik, leadership, pancasila, proyek sekolah, studi kasus
Analysis of the Role of Social Media in Business Centers in Kampoeng Batik Laweyan, Surakarta City Putri, Febita Ayu Riswaning; Mustofa, Rochman Hadi
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 1 (2025): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i1.4186

Abstract

This research aims to analyze the role of social media in developing business centers in Kampoeng Batik Laweyan, Surakarta. Social media is now a strategic tool in introducing products, building brands, and increasing interaction between business actors and consumers. In the context of Kampoeng Batik Laweyan, which is famous as one of the batik centers in Indonesia, the use of social media is considered important to expand the market and maintain the sustainability of batik traditions. The method used is a qualitative approach by interviewing batik business actors and analyzing social media content used in the center. The results of the study show that social media plays a major role in increasing the visibility of batik businesses, expanding market networks, and introducing the values ??and philosophy of Laweyan batik to domestic and foreign consumers. In addition, social media is also a means of interaction that allows direct suggestions and criticism from consumers, which also contributes to improving product and service quality. This study is expected to provide insight for other batik business actors in utilizing social media as an effective and sustainable marketing tool.
Implementation of the MBKM Program: Strengthening Student Literacy through a Kampus Mengajar Program Nita Nyudiana; Rochman Hadi Mustofa
Didaktika: Jurnal Kependidikan Vol. 13 No. 001 Des (2024): Didaktika: Jurnal Kependidikan (Special Issue 2024)
Publisher : South Sulawesi Education Development (SSED)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58230/27454312.1335

Abstract

The Kampus Mengajar program is a form of implementation of “Merdeka Belajar Kampus Merdeka”, which provides opportunities for students to apply the knowledge gained in higher education directly in the field. This study analyses the effectiveness of the literacy-strengthening program implemented at SDN Banyurip, Boyolali Regency. The method used is qualitative descriptive with a case study approach. Data were obtained through in-depth interviews and observations with resource persons. This study examines the programs implemented by Kampus Mengajar students to develop students' interest in reading and reading understanding related to literacy. The results of the study show that the literacy-strengthening program has had a positive impact on students. However, several challenges must be overcome by continuously implementing the program to achieve more optimal results.
Implikasi dan Strategi Sekolah Unggulan terhadap Sistem Zonasi Novita Imroatun Solikha; Rochman Hadi Mustofa
Didaktika: Jurnal Kependidikan Vol. 14 No. 1 Februari (2025): Didaktika Jurnal Kependidikan
Publisher : South Sulawesi Education Development (SSED)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58230/27454312.1405

Abstract

Sistem zonasi adalah mekanisme yang mengatur penempatan peserta didik berdasarkan lokasi tempat tinggal mereka. Tujuan utama dari sistem ini yakni menjamin akses yang sama terhadap pendidikan tanpa memandang nilai akademis, sehingga memiliki kesempatan yang sama bagi seluruh peserta didik untuk diterima di sekolah terdekat. Di penelitian ini, metode kualitatif melalui wawancara mendalam yang dilakukan sepanjang Juli 2024, serta observasi di beberapa sekolah unggul, seperti SMA Negeri 1 Surakarta, SMA Negeri 1 Purwokerto, dan SMA Negeri 1 Banjarnegara. Hasil penelitian menunjukkan bahwa sistem zonasi menimbulkan tantangan baru bagi sekolah-sekolah unggul, terutama terkait variasi kemampuan akademik peserta didik yang diterima. Tantangan ini memaksa sekolah untuk menerapkan metode pembelajaran yang lebih inovatif guna menjaga kualitas pendidikan. Meskipun kebijakan ini memicu perdebatan, penerapan sistem zonasi dinilai positif karena memperluas akses pendidikan secara lebih merata. Dan meskipun menghadapi tantangan dalam penerapannya, sistem zonasi memiliki potensi untuk meningkatkan mutu pendidikan di seluruh Indonesia.
Implementasi Proyek Penguatan Profil Pelajar Pancasila (P5) SMA di Provinsi Jawa Tengah Yetik Nur Dwi Handayani; Rochman Hadi Mustofa
G-Couns: Jurnal Bimbingan dan Konseling Vol. 9 No. 3 (2025): Agustus 2025. G-Couns: Jurnal Bimbingan dan Konseling
Publisher : Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/g-couns.v9i3.7326

Abstract

Proyek Penguatan Profil Pelajar Pancasila (P5) ialah suatu program kurikulum nasional guna menanamkan karakter siswa agar bersesuaian dengan nilai-nilai Pancasila. Riset ini dilakukan pada bulan Oktober hingga November 2024 untuk menggambarkan strategi penerapan P5 di SMA Negeri 1 Gondang, Kabupaten Sragen, Provinsi Jawa Tengah. Metode penelitian yang digunakan adalah kualitiatif. Wawancara, observasi, serta dokumentasi diaplikasikan sebagai teknik dalam mengumpulkan data. Informan dipilih menggunakan metode purposive sampling, mencakup siswa, fasilitator/guru, serta wakil kepala sekolah bagian kurikulum. Data dianalisis menggunakan teknik analisis tematik, melalui tahap reduksi data, penyajian data, dan penarikan kesimpulan. Berdasarkan riset ditemukan bahwa: 1) pentingnya kepemimpinan kepala sekolah dalam P5; 2) pentingnya tim dalam proyek level sekolah; 3) perlunya identifikasi kesiapan sekolah; 4) kerjasama sekolah dengan pihak eksternal; 5) perlunya asesmen dan evaluasi P5; 6) adanya fasilitas yang memadai serta dukungan dari pihak internal maupun eksternal menjadi faktor pendukung; 7) faktor penghambatnya yaitu terbatasnya guru fasilitator di sekolah. Kata kunci: karakter peserta didik, leadership, pancasila, proyek sekolah, studi kasus
Model Of Adoption And Sustainability Of E-Wallet Use Of Dana, OVO, And Gopay In Surakarta City: A Technology Acceptance Model Approach Wulandari, Septana; Mustofa, Rochman Hadi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.7940

Abstract

The rapid development of technology in Indonesia has brought great changes in many aspects of life, one of which is financial technology. The rapid advancement of technology can help many sectors, one of which is the Indonesian financial industry. This study aims to evaluate the structural model of adoption of e-wallet use by utilizing the Technology Acceptance Model theory among the people of Surakarta City. The research method used is quantitative through questionnaire distribution. The sampling technique used was purposive sampling, and the data was examined through the Partial Least Squares (PLS) method in Structural Equation Modeling (SEM) analysis. The results of the study explained that the structural model developed in this study is feasible to be used as an instrument for measuring the factors that influence a person to adopt an e-wallet.
Bullying Prevention Strategy at State Senior High School 5 Surakarta: The Role of Peer Educators, Parent Involvement, and Cooperation with External Parties Nurul Istiqomah; Rochman Hadi Mustofa
G-Couns: Jurnal Bimbingan dan Konseling Vol. 10 No. 01 (2026): January 2026, G-Couns: Jurnal Bimbingan dan Konseling
Publisher : Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/g-couns.v10i01.7618

Abstract

Bullying among students is one of the serious problems that negatively impacts students' emotional health, social relationships, and academic achievement, and its impact is not only felt by the victim physically and emotionally but also affects the learning atmosphere. This study aims to analyze the implementation of anti-bullying policies in State Senior High School 5 Surakarta, focusing on the role of peer educators, parental involvement, and cooperation with external parties. The method used in this study is qualitative with a case study approach and is located at State Senior High School 5 Surakarta. Data was collected through in-depth interviews and observations. The results of this study show that State Senior High School 5 Surakarta has implemented programs in bullying prevention, including through: (1) the role of peer educators in bullying prevention; (2) parental involvement; and (3) cooperation with external parties. The findings of this study demonstrate that peer educators play a crucial role in preventing and overcoming bullying behavior in the school environment. Furthermore, parental involvement and cooperation with DP3AP2KB significantly strengthen efforts to stop it. Keywords: bullying, peer educator, anti-bullying policy
Co-Authors Achmad Mustofa Ady Ferdian Noor Afifah, Zainul Agnes Defiana Ahmad, Noor Lela Aida Nuzul Umi Hanifah Amanda, Bunga Amaylia Noor Alaysia ANANDA SETIAWAN Asmawan, Moh. Chairil Baswara, Satsya Yoga Buana, Dewangga Satria Cahyani, Amalia Regita Chusna, Alivia Fitri Fatayatul Dermawan, Dika Dhany Efita Sari Diaz Aziz Pramudita Dwi Atmono Dzikra, Noor Syahidah Mutiara Erlintang Alfin Nurjanah Febriyanti, Nofia Mega Gano-an, Jonathan C Gano-an, Jonathan Camana Habil Azhar Hendawan Habil Azhar Hendrawan Hardika Dwi Hermawan Henni Riyanti Ifani, Muhammad Zulfi Indira, Reisa Isnanto, Taufik Jalu Aji Prakoso Jihad, Hafsha Alia Joko Suwandi Karima, Mutiara Kartika Thoyibbah Kezia Stephanie Khresna Bayu Sangka Krismono, Abdi Kusuma, Muhammad Isnani Labib Muttaqin M. Junaidi Masithoh, Dewi MIFTAKHUL JANNAH Moh Chairil Asmawan Mohammad Chairil Asmawan Muhammad Fahmi Johan Syah Muhammad Isnani Kusuma Muhammad Rahmattullah Mutiara Karima Mutiara Karima Narmanditya, Bagus Shandy Ni'matul Istiqomah Niam, Muhammad Nita Nyudiana Novita Imroatun Solikha Nunik Nugraheni NURUL ISTIQOMAH Oktaviana, Faizah Laila Pamungkas, Leonny Noviyana Sakti Pertiwi, Herlina Yuliana Putri Izzatul Maula Putri, Febita Ayu Riswaning Ramadhan, Muhammad Tanzilal Ramadhanni, Noor Wahyu Reza Reza Ristiny, Ristiny Rizqi Widyaningtyas Rizzaldi, Moch Raffy Sa'ida, Naili Sabar Narimo Saputri, Fidea Shela Chandra Sarun, Anuar Sawitri, Risma Siti Rahmawati Suranto Suranto Suranto Suranto Suranto Surya Jatmika Suyatmini Suyatmini Titik Ulfatun Tri Nur Wahyudi Wulandari, Septana Yetik Nur Dwi Handayani Yovi Annang Setiyawan Yustina, Laily Nur Zemafi, Okindy Dheawara