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LITERASI USAHA MIKRO, KECIL, MENENGAH SERTA PENGARUHNYA TERHADAP INKLUSI KEUANGAN DAN AKSES PERBANKAN DI GERBANG TERLUAR INDONESIA Soimah, Nurus; Aslan, Aslan

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Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (74.748 KB) | DOI: 10.31955/mea.v4i2.1130

Abstract

Keterbatasan modal merupakan salah satu permasalahan yang dialami oleh UMKM di Kabupaten Nunukan. Hal ini disebabkan UMKM di Kabupaten Nunukan tidak menggunakan jasa perbankan dalam permodalannya. Beberapa alasan yang disampaikan oleh UMKM adalah pengetahuan akan prosedur pinjaman sehingga merasa prosedur pinjaman relatif sulit, UMKM tidak memiliki agunan untuk dapat mengakses dana pinjaman, suku bunga yang diberikan relatif tinggi, dan penolakan proposal yang diajukan, serta kecilnya minat untuk dapat mengakses pinjaman tersebut. Sehingga UMKM di Kabupaten Nunukan memanfaatkan non-formal funding seperti Kredit Canda Kulak (KCK), KUPEDES, KKU, serta pinjaman keluarga. Hal ini diduga disebabkan oleh kurangnya pemahaman UMKM tentang inklusi keuangan dan bagaimana bisa mengakses pinjaman perbankan. Penelitian ini akan berfokus kepada bagaimana sudut pandang usaha mikro serta usaha kecil dalam kebijakan inklusi keuangan dan apa kendala atau hambatan usaha mikro dan kecil di Kabupaten Nunukan dalam mengakses sektor keuangan formal. Analisis data yang digunakan yaitu teknik reduksi dan teknik keabsahan data dengan menggunakan triangulasi.
PERMINTAAN DAN PREFERENSI KONSUMEN KEDAI KOPI TERHADAP PELAKU USAHA KEDAI KOPI DI KOTA TARAKAN Soimah, Nurus; Aslan, Aslan

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Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (74.745 KB) | DOI: 10.31955/mea.v5i1.1131

Abstract

Ekspansi produksi kopi di Indonesia telah memungkinkan masyarakat untuk membuka kedai kopi yang belakangan semakin populer di kalangan peminum kopi. Kedai kopi di Tarakan sudah mulai menyajikan sampanye dan memiliki ide dan karakteristik yang beragam. Ini bukan pengecualian. Di Tarakan, cari kedai kopi. Dengan menggunakan pendekatan penelitian deskriptif, penelitian ini mengeksplorasi upaya kedai kopi untuk mengevaluasi permintaan pasar kopi dan menganalisis variasi preferensi konsumen kedai kopi ditinjau dari frekuensi kunjungan, jenis kopi, harga kopi, dan fasilitas kopi di Kota Tarakan. Temuan studi ini berupaya untuk mengetahui permintaan dan kompleksitas kedai kopi di Tarakan ditinjau dari preferensi konsumen. Berdasarkan hasil tersebut, tingkat konsumsi kopi di wilayah studi sudah kuat yang dapat memberikan wawasan dan peluang bagi perusahaan kopi yang pelanggannya mengonsumsi kopi dalam jumlah yang bervariasi hampir setiap hari. Ini memastikan bahwa konsumen dan pemasok juga harus diberi tahu tentang penelitian dan pemasaran kopi.
Sosialisasi Kemitraan Usaha Skala Besar Dan UMKM di Kabupaten Bulungan Soimah, Nurus; Sri Wahyuni, Rina
JOURNAL OF SOCIETY SERVICE Vol. 1 No. 1 (2022): Jurnal Inovasi Pengabdian Masyarakat
Publisher : Fakultas Ekonomi Universitas Kaltara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

UMKM naik kelas menjadi salah satu prioritas pemulihan ekonomi pasca covid-19. Program kemitraan adalah salah satu program yang digagas untuk mengatasi permasalahan tersebut. Kebijakan tersebut bertujuan untuk mensinergikan UMKM dengan perusahaan besar melalui program kemitraan, sesuai dengan yang diamanahkan PP no 07 tahun 2021 tentang Kemudahan, Perlindungan, dan Pemberdayaan Koperasi dan UMKM. Kegiatan ini bertujuan untuk mensosialisasikan kebijakan tersebut kepada seluruh pelaku usaha di Kabupaten Bulungan. Hasil dari kegiatan ini adalah pelaku usaha mengetahui kebijakan program kemitraan antara usaha skala besar dengan UMKM setempat.
Optimalisasi Bank Sampah Berbasis Pemberdayaan Perempuan di Desa Gunung Sari Qomariah Imelda, Dewi; Budiarti, Ika Niswatin; Soimah, Nurus; Lail, Jamilatul; Wulandari, Tutik; Nabil, Muhammad
Keris: Journal of Community Engagement Vol. 3 No. 2 (2023): KERIS: Journal of Community Engagement
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/keris.v3i2.696

Abstract

Gunung Sari Village is one of the villages that is developing a tourist village. Environmental cleanliness is certainly one of the priority problems that must be resolved by the village government. At the end of 2022, the Mandiri Women's Waste Bank KSM, Gunung Sari Village, was formed, consisting of mothers receiving the Family Hope Program (PKH), currently numbering 27 people. However, until now the Mandiri Women's Waste Bank KSM has not been running optimally because only a small portion of the community are members. Carrying out this activity is not only to maintain the cleanliness of the village environment but can also provide economic benefits for the community. The implementation of this service supports government programs related to the green economy where the implementation of this activity aims to empower and improve community welfare through the use of plastic waste/waste. The problems experienced by partners are related to the production and management fields, namely regarding the availability of waste bank tools, organizational management, business management and membership issues. This activity will focus on efforts to optimize village waste banks by 1) providing waste bank infrastructure, 2) organizational and business management training, 3) large-scale outreach regarding village waste banks
Peran Pemerintah Kabupaten Bulungan Dalam Peningkatan Kualitas Hasil Panen Pisang di Desa Sajau Hilir Sebagai Upaya Meningkatkan Kesejahteraan Masyarakat Al Bahasyim, Muhammad; Soimah, Nurus; Imelda, Dewi Qomariah; A, Aslan; H, Hermawan
Madani: Jurnal Ilmiah Multidisiplin Vol 1, No 12 (2024): Madani, Vol. 1 No. 12 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10569460

Abstract

The purpose of this study was to determine the role of the Bulungan district government in improving the quality of banana crops in the village of Downstream as an effort to prosper the local community. The type of research used descriptive research with a qualitative approach. Data collection techniques used were observation, interview and documentation. The respondents in this study were local people, both farmers and village officials. The results of the study showed that the role of the Bulungan district government in increasing the quality of banana harvest in the village of Sajau Hilir is going well; Field extension workers have already been carried out such as providing fertilizer and conducting the training for banana farmers until the post-harvest processing stage, but the problem faced by farmers were that the selling price of bananas has decreased sharply so that many have left, at this time the government was more focused on increased production of rice, soybeans, and corn, this is one of the causes of banana plantations being used by the farmers in the lower reaches of the village.
Kesiapan UMKM Kabupaten Bulungan Dalam Menghadapi Digitaliasasi Arista, Apriliana Nona; Soimah, Nurus; A, Aslan; Y, Yuliansyah
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 8 (2024): Vol. 2, No. 8, 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.13624106

Abstract

The development of MSMEs in entering industry cannot be separated from technology. Technology is used not only in marketing but also in other processes such as production and finance. For this reason, business actors need to prepare themselves to adopt technology. No matter how great and good the technology is, if the human resources who will use it are not ready, it will not be successful. So, the aim of this research is to find out the readiness of MSMEs to face digitalization in Bulungan Regency. This research uses the Technology Readiness Index (TRI) to measure the readiness of MSMEs to adopt technology with four approaches, namely optimism, innovation, discomfort and security. This research uses a quantitative and qualitative approach using questionnaires and questionnaires. The results of this research show that Bulungan Regency MSMEs are in the medium stage as measured by the Technology Readiness Index. MSME owners are optimistic and willing to innovate that technology and digital can change their business in a better direction and do not mind try new things. However, they still feel overwhelmed in the learning process and feel less safe when making digital transactions.
Increasing Innovation In The Recycling Of Plastic Waste Based On Eco-Paving As An Effort To Realize A Green Economy In Gunung Sari Village Imelda, Dewi Qomariah; Soimah, Nurus; Budiarti, Ika Niswatin; Lail, Jamilatul; Wulandari, Tuti; Alfiansyah, Muhammad
International Journal of Public Devotion Vol 8, No 1 (2025): January - July 2025
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/ijpd.v8i1.6204

Abstract

The “Wanita Mandiri Village Waste Bank” is a community self-help group managing waste in Gunung Sari Village which has received assistance from the Faculty of Economics, North Kalimantan University since 2021 and was finally officially formed at the end of 2022. Based on the results of interviews with the head of the Wanita Mandiri Village Waste Bank group, it is necessary there is continued assistance related to increasing business capacity. Currently, public interest in saving plastic waste is very large. On the one hand, this is a good thing, but on the other hand, this is homework for waste banks to be able to re-manage plastic waste that has been collected by the community. The problem experienced by the Wanita Mandiri Village Waste Bank group is the inactivity of the waste collectors who have been collecting waste at the Gunung Sari Village Waste Bank, resulting in a buildup of plastic waste at the Wanita Mandiri Village Waste Bank. The focus of activities in this service program is to increase business capacity by making new products from plastic waste through eco-paving product training. The programs that have been implemented in this activity are: 1) procurement of smoke-friendly moist burning equipment, 2) procurement of printing equipment and paving press equipment, 3) training on innovations in recycling plastic waste products. This activity fully involves the community, especially KSM members, starting from identifying problems, planning activities to implementing activities.  The Wanita Mandiri Village Waste Bank, Gunung Sari Village, has high hopes for further assistance. This activity was carried out over 2 days, namely 26-27 October 2024. In this training, participants learned to process plastic waste using certain techniques to produce Eco paving, which can be used as an environmentally friendly alternative building material. Apart from technical skills, this training also provides an understanding about sustainable waste management, helping reduce waste in the environment, and opening up business opportunities through Eco paving products that have marketable value. The technology and innovation in this activity is the procurement of smoke-friendly plastic waste incineration tools, paving molding tools and paving press toolsPeningkatan Inovasi Daur Ulang Sampah Plastik Berbasis Eco-Paving Sebagai Upaya Mewujudkan Ekonomi Hijau Di Desa Gunung SariABSTRAKBank Sampah Desa Wanita Mandiri merupakan kelompok swadaya masyarakat pengelola sampah di Desa Gunung Sari yang telah mendapat pendampingan dari Fakultas Ekonomi Universitas Kaltara sejak 2021 dan pada akhirnya resmi terbentuk sejak akhir tahun 2022. Berdasarkan hasil wawancara dengan ketua kelompok Bank Sampah Desa Wanita Mandiri, perlu adanya pendampingan lanjutan terkait dengan peningkatan kapasitas usaha. Saat ini animo masyarakat dalam menabung sampah plastik sangat besar. Satu sisi ini merupakan hal baik namun disisi lain ini merupakan PR bagi bank sampah untuk dapat mengelola kembali sampah plastik yang telah dikumpulkan oleh Masyarakat. Permasalahan yang dialami oleh kelompok Bank Sampah Desa Wanita Mandiri adalah tidak aktifnya pengepul sampah yang selama ini mengambil sampah di Bank Sampah Desa Gunung Sari sehingga terjadi penumpukan sampah plastik di Bank Sampah Wanita Mandiri. Adapun tujuan kegiatan pada program pengabdian ini adalah untuk meningkatkan kapasitas usaha dengan cara membuat produk baru berbahan baku sampah plastik melalui pelatihan produk eco-paving. Program yang telah dilaksanakan dalam kegiatan ini adalah: 1) pengadaan alat pembakaran dampah ramah asap, 2) pengadaan alat cetak dan alat press paving, 3) pelatihan inovasi daur ulang produk sampah plastik. Kegiatan ini melibatkan masyarakat khususnya anggota KSM secara penuh mulai dari indentifikasi permasalahan, perencanaan kegiatan hingga pada pelaksanaan kegiatan. Kegiatan ini dilaksanakan dalam waktu 2 hari yaitu tanggal 26-27 Oktober 2024. Dalam pelatihan ini, peserta belajar mengolah sampah plastik dengan teknik tertentu untuk menghasilkan ecopaving, yang dapat digunakan sebagai material bangunan alternatif ramah lingkungan.Selain keterampilan teknis, pelatihan ini juga memberikan pemahaman tentang pengelolaan sampah yang berkelanjutan, membantu mengurangi limbah di lingkungan, dan membuka peluang usaha melalui produk ecopaving yang bernilai jual. Teknologi dan Inovasi dalam kegiatan ini adalah pengadaan alat pembakaran sampah plastik ramah asap, alat cetakan paving dan alat press pavingKata Kunci :Bank sampah desa; Eco-paving; pengelolaan sampah plastik
Perencanaan Pemanfaatan Potensi Lokal dalam Membangun Desa Wisata dengan Pendekatan Konsep Community Based Tourism (CBT) di Desa Bumi Rahayu Budiarti, Ika Niswatin; Imelda, Dewi Qomariah; Soimah, Nurus; Alfiansyah, Muhammad
Keris: Journal of Community Engagement Vol. 4 No. 2 (2024): KERIS: Journal of Community Engagement
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/keris.v4i2.1156

Abstract

This activity aims to mobilize community participation in planning and utilizing the local potential of Bumi Rahayu Village to develop a Tourism Village. Through the Community Based Tourism (CBT) concept approach, it is hoped that it can strengthen the involvement of local communities in destination management, improve the welfare of local communities, and preserve culture and the environment. The methodology in this service is to provide knowledge and understanding of the potential of villages and tourist villages using discussion methods, field surveys and creating tourism concepts. This activity produces an overview of the tourism concept of the Bumi Rahayu river flow by optimizing the natural wealth around it. The description given focuses on land use to increase tourist attraction, such as the placement of entrance gates, parking locations, "kios wisata" locations, photo spot locations, toilet locations, gazebo locations and campground locations. The photo booth and gazebo will be built using ecobrick products as a concrete step in utilizing plastic waste produced by TPS3R Bumi Rahayu in collaboration with PKH recipients and the wider community. Utilizing local potential to become a tourist destination with a Community Based Tourism (CBT) approach in Bumi Rahayu Village has the aim of developing a sustainable tourism village. Through collaboration with local communities, this plan aims to optimize local resources and heritage, create economic opportunities, and promote positive interactions between tourists and local communities. This planning supports the development of a competitive tourist village which will later become one of the famous tourist destinations in Bulungan Regency and increase the income of the people in Bumi Rahayu Village, Bulungan Regency.