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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Borneo Administrator: Media Pengembangan Paradigma dan Inovasi Sistem Administrasi Negara TEMA (Jurnal Tera Ilmu Akuntansi) Jurnal Teknologi Informasi dan Ilmu Komputer Share : Social Work Journal Jurnal ASET (Akuntansi Riset) Jurnal Riset Akuntansi dan Keuangan Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan TIN: TERAPAN INFORMATIKA NUSANTARA Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Jurnal Ilmiah Wahana Pendidikan Jurnal Agrisistem International Journal of Economics, Business, and Entrepreneurship (IJEBE) Jurnal Locus Penelitian dan Pengabdian Jurnal Akuntansi Manajerial (Managerial Accounting Journal) Perbanas Journal of Islamic Economics and Business West Science Accounting and Finance Jurnal Bisnis dan Ekonomi International Journal of Indonesian Business Review Toga Jurnal Keguruan dan Ilmu Pendidikan
Hasan Ashari
STMIK AMIKOM Yogyakarta
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Policy Reform and MSME Growth: Financial Analysis of 2023 KUR Disbursement Shift Ridha, Muhammad Hafizh; Ashari, Hasan; Sancoko, Bambang; Damhuri, Taufik
TEMA Vol. 26 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in development, yet face persistent barriers to financing. To address this, the Indonesian government provides the People's Business Credit (KUR) program. In 2023, significant policy reforms were introduced concerning eligibility criteria and graduation interest rates, resulting in a decline in total disbursement. This study applies descriptive analysis and two-mean difference tests using data from 33 provinces (2022–2023) to evaluate the policy’s impact. The findings show that the revised KUR policy: (1) enhances financial inclusion, (2) supports debtor graduation, and (3) contributes to achieving the national MSME credit target. These results highlight the importance of policy reform in building a sustainable MSME financing ecosystem. The novelty of this study lies in integrating macro-level statistical evidence with field-based qualitative validation to uncover structural inefficiencies in government-backed microfinance. The findings offer policymakers actionable insights to refine MSME financing frameworks, particularly in enhancing credit accessibility and aligning distribution incentives.
Analisis Pengembangan E-Learning Platform Pembayaran Pemerintah untuk Meningkatkan Kualitas Proses Pembayaran Tagihan Belanja Negara Ashari, Hasan; Saksono, RN. Afsdy; Hidayat, Achmad Rinaldi
TIN: Terapan Informatika Nusantara Vol 6 No 8 (2026): January 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/tin.v6i8.9086

Abstract

The utilization of the Government Payment Platform (PPP) is a platform for work‑unit financial officers to ensure the accuracy and timeliness of state expenditure payments. This study analyzes the implementation of e‑learning of PPP on the Kemenkeu Learning Center (KLC) within the Budget and Treasury Education and Training Center an agile learning model grounded in the Learning Experience Platform (LXP) approach. The research employs a qualitative case study method with twelve (12) purposively selected informants representing policy, technical, pedagogical, and end‑user roles. Data were collected through in‑depth interviews and document analysis, and examined interactively across stages of data collection, condensation, presentation, and conclusion drawing, supplemented by method and source triangulation.Findings indicate key constraints: non‑specific participant segmentation by role, absence of dedicated learning time, limited interoperability between KLC and external platforms, insufficient per‑module discussion forums, and suboptimal use of AI (chatbots and recommendations). The study’s novelty lies in an agile LXP‑based model comprising: role‑scaled interactive curricula; a learning journey to personalize PPP competency pathways; AI‑driven chatbots serving as digital tutors and content recommendation engines; and cross‑platform collaboration compliant with information security standards. The conclusion underscores that agile PPP e‑learning has the potential to enhance learning effectiveness, efficiency, and relevance, while strengthening the competencies of financial managers within a continually transforming government payment ecosystem.
Peran Komunitas JKP dalam Mendorong Kolaborasi dan Ekonomi Pedagang Permata di Surakarta Nurleli, Sulis Fathatun; Novita, Yayang; Ashari, Hasan
Share : Social Work Journal Vol 15, No 2 (2025): Share : Social Work Journal
Publisher : University of Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/share.v15i2.64728

Abstract

Kampung Jayengan di Kota Surakarta merupakan kawasan dengan karakter sosial-budaya dan ekonomi yang khas, terutama melalui aktivitas perdagangan dan kerajinan permata yang terorganisasi dalam Komunitas Jayengan Kampung Permata (JKP). Sejumlah penelitian terdahulu telah mengkaji Komunitas JKP dalam konteks pengembangan kawasan industri kreatif. Namun demikian, penelitian-penelitian tersebut masih menyisakan celah kajian, khususnya dalam memahami peran internal komunitas pedagang sebagai peran utama yang membangun kolaborasi, pertukaran informasi, serta meningkatkan ekonomi lokal dari dalam komunitas itu sendiri. Penelitian ini bertujuan untuk menganalisis dinamika pembentukan, peran, dan kontribusi Komunitas JKP dalam memperkuat aktivitas ekonomi pedagang permata serta dampaknya terhadap masyarakat Kampung Jayengan di tengah tantangan globalisasi. Penelitian ini menggunakan metode deskriptif kualitatif dengan lokasi penelitian di Kampung Jayengan, Kecamatan Serengan, Kota Surakarta. Pengumpulan data dilakukan melalui wawancara mendalam dengan 11 informan yang dipilih menggunakan teknik snowball sampling, observasi lapangan, serta studi dokumen. Analisis data dilakukan dengan model analisis interaktif yang meliputi tahap pengumpulan data, reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa Komunitas JKP berperan signifikan dalam membangun kerja sama antar pedagang, memperlancar pertukaran informasi pasar dan kebutuhan konsumen, serta memperluas jaringan usaha baik di tingkat lokal, nasional, maupun internasional. Keberadaan komunitas ini juga berdampak pada masyarakat sekitar melalui penciptaan lapangan kerja baru, peningkatan perputaran ekonomi lokal, serta penguatan kegiatan sosial dan budaya. Di sisi lain, JKP menghadapi tantangan berupa minimnya regenerasi pengrajin muda, ketertinggalan desain produk, dan keterbatasan teknologi produksi. Meski demikian, komunitas ini mengembangkan berbagai strategi adaptif, seperti pemanfaatan platform digital, kolaborasi lintas sektor, dan penguatan identitas produk lokal.
Co-Authors Basjah, Alan Yazid Ali Budi Wijayanto Damhuri Damhuri Djono Djono Elea Nur Aziza Fardiman, Fardiman Fitri , Sri Adella Hasudungan, Anju Nofarof Herimanto Herimanto Hernanda, Reyhan Hidayat, Achmad Rinaldi Hieronymus Purwanta Hutabarat, Habel Refo Ismawati, Isti Yuli Judijanto, Loso Marsus, Soffan Musa Pelu Novita, Yayang Nur Aisyah Kustiani, Nur Aisyah Nurleli, Sulis Fathatun Pambudi, Andi Setyo Putro, Yudhi Ridha, Muhammad Hafizh Rita, Henny Rusman, Eddy Saksono, RN. Afsdy Sancoko, Bambang Setyo Pambudi, Andi Siladjaja, Muljanjo Supranata, Mardani SURYA AYMANDA NABABAN Sutiyah Sutiyah Trinandari Prasetya Nugrahanti WAHASRI, ESIKA Yazid Ali Basjah, Alan Yuli Ismawati, Isti Yulistiani, Tiara