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Analisis Pengaruh UMKM (Usaha Mikro Kecil Dan Menengah) Mendapatkan Kredit Usaha Rakyat (KUR) dari Lembaga Keuangan di Kabupaten Bireuen: Analysis of the Influence of MSMEs (Micro, Small and Medium Enterprises) on Obtaining People's Business Credit (KUR) from Financial Institutions in Bireuen Regency Jamaluddin, Jamaluddin; Sudarmiatin, Sudarmiatin; Rahayu, Wening Patmi
AL-MIKRAJ Jurnal Studi Islam dan Humaniora Vol. 5 No. 01 (2024): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v5i01.6364

Abstract

The purpose of this study was to analyze the effect of the distribution of People's Business Credit (KUR) by financial institutions on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Bireuen Regency, with a focus on the contribution of KUR in increasing access to financing, competitiveness, and capacity of MSME businesses. This research method uses quantitative data obtained from the results of the questionnaire in the form of age, gender, education level, type of business, and amount of credit given. The population used in this study includes data on the number of customers who received KUR from 2020-2022 with a sample size of 97 respondents. The results of the study showed that the influence of the role of People's Business Credit (KUR) on the growth of Micro, Small, and Medium Enterprises (MSMEs) showed a t-count result of 7.673, which was statistically significantly higher than the t-table value of 1.661 with a very low level of significance, namely 0.000, which is far below 0.05 (5%). The results of the determination coefficient test showed that the R square achieved was 0.678. This indicates that almost half, or around 67.8%, of the variation in the growth of Micro, Small, and Medium Enterprises (MSMEs) can be explained by the distribution of People's Business Credit (KUR). On the other hand, around 32.2% of the remainder is influenced by other variables not examined in this study. The expected impact of this study is to provide a deeper understanding of the effectiveness of KUR in supporting the development of MSMEs, as well as being a reference for policy makers and financial institutions in designing more effective strategies to encourage the growth of the MSME sector, while accelerating poverty alleviation and improving the economic welfare of the community.
SUSTAINABILITY-LED INNOVATION (SLI) MODEL Prabowo, Stanley; Budiono , Sunarto; Winarno , Agung; Rahayu , Wening Patmi
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 3 No. 5 (2025): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

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

Abstract

The article aims to examine the benefits of the Sustainability-Led Innovation Model, Sustainable Innovation & ESG (Environmental, Social, and Governance), and the role of technology in supporting innovation. Sustainability-led innovation has emerged as an essential approach to addressing global challenges related to the environment and society. This article explores how companies and organizations apply sustainability principles in their innovation processes and their impact on business performance and the achievement of sustainable development goals. Through in-depth literature analysis and case studies, it is found that sustainability-led innovation not only drives resource efficiency and reduces environmental impacts but also creates new opportunities for market differentiation and enhances corporate reputation. This article also identifies key factors that influence the successful implementation of sustainability innovation, such as management commitment, integration of social and environmental values in corporate strategy, and collaboration with external stakeholders. These findings provide valuable insights for decision-makers and practitioners in developing innovation strategies that are aligned with sustainability principles, which in turn can make positive contributions to society and the planet.
EXPLORING THE SYNERGY OF GREEN INNOVATION AND DIGITAL TRANSFORMATION FOR ENHANCING SME PERFORMANCE: A SYSTEMATIC LITERATURE REVIEW Mentari, Sriyani; Sudarmiatin, Sudarmiatin; Rahayu, Wening Patmi
Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital Vol 3 No 2 (2024): NOVEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jekombital.v3i2.809

Abstract

Green innovation and digital transformation are one of the crucial components in dealing with industrial development and environmental issues for SMEs. Each has an important and interrelated role in helping the performance of SMEs. This study aims to identify how the collaboration of green innovation and digital transformation in improving the performance of SMEs with a systematic literature review technique. This research uses a systematic search strategy to collect journal articles from the Scopus and Web of Science databases for the last 5 years. The results of the systematic review revealed that green innovation and digital transformation collaborate in improving the quality of information and resources that lead to effective SME operational processes with efficient costs so to create market competitiveness and improve SME performance both financial and non-financial. The results of this study can be taken into consideration for SMEs to implement green innovation and digital transformation in their operations.
Pengembangan Produk Merchandise dengan Teknologi Audio Visual sebagai Produk Unggulan Muatan Pendidikan Kampung Industri Tempe Sanan Iriaji; Wening Patmi Rahayu; Purnomo; Eka Putri Surya; Alby Aruna; Surasak Jamnongsarn; Adinda Marcelliantika
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 12 (2024): RESLAJ: Religion Education Social Laa Roiba Journal 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i12.3698

Abstract

Developing local creative industries through product innovation is an important strategy to increase the economic and educational value of communities. This research aims to develop merchandise based on audio visual technology as a means of education about the production process and uniqueness of tempeh in the Sanan Tempe Industrial Village. The research method involves collecting data through observation, interviews with industry players, and questionnaires to visitors. The product developed is in the form of an action figure as a mascot in the form of merchandise. The research results show that this merchandise is effective in increasing visitors' understanding of the tempe making process and increasing interest in educational tourism. Visitors become more interested and understand the ins and outs of tempeh production after interacting with this informative merchandise. Apart from that, this merchandise also helps promote Kampung Sanan as an attractive educational tourist destination. The conclusion of this research is that the integration of audio visual technology in merchandise can be used as an effective educational tool while increasing the attractiveness of local products. This innovative product not only functions as an educational tool but also as a promotional tool that can increase the economic value of local communities. This kind of innovation proves that a creative approach to product development can provide significant benefits to local communities.
The Influence of Character Education and Parenting Patterns on Entrepreneurial Interest with Emotional Intelligence as an Intervening Variable (Study on Vocational Students in Sidoarjo Regency) Hanik Munaddifah; Nasikh, Nasikh; Wening Patmi Rahayu
Formosa Journal of Applied Sciences Vol. 2 No. 12 (2023): December 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v2i12.7071

Abstract

Thus, the number of available jobs is not enough to meet the high labor force, causing the unemployment rate to continue to increase. Data from the Central Bureau of Statistics (BPS) shows that the unemployment rate of SMK graduates in 2022 is the highest compared to all levels of education, with a result of 9. The purpose of this study was to determine how the influence of character education and parenting patterns in fostering entrepreneurial interest in vocational students through emotional intelligence. The results of this study indicate that character education and parenting patterns can directly affect entrepreneurial interest. Character education and parenting patterns have a positive and significant influence on emotional intelligence. In addition, character education and parenting patterns have a positive impact and significant effect on entrepreneurial interest in emotional intelligence.
Project-Based Assessment Blended Learning To Improve Students' Psychomotor Competence Rahayu, Wening Patmi; Zutiasari, Ika; Ningsih, Giarti
Jurnal Pendidikan Ekonomi Dan Bisnis (JPEB) Vol. 10 No. 1 (2022): Jurnal Pendidikan Ekonomi & Bisnis (DOAJ & SINTA 2 Indexed)
Publisher : Faculty of Economics, Universitas Negeri Indonesia,Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPEB.010.1.3

Abstract

This research and development aim to produce an appropriate blended learning-based assessment project that can improve student competence. Project assignment by utilizing various contemporary applications such as Tik Tok, Instagram, and Youtube as a medium for product promotion. The data were researched and developed using Research and Development methods, the research model used was adopted from Borg & Gall. The feasibility of the development product in the form of an instrument was validated by a validator of assessment experts, validators of material experts. Student competence is measured by cognitive and psychomotor aspects. Data analysis by percentage and paired sample T-test analysis. The results of expert validation were declared "Very Feasible" with a score of 86.4% (cognitive) and 88.2% (psychomotor). The results of material expert validation were 89% (cognitive) and 87.5% (psychomotor) with the "Very Feasible" category. The results of the large class trial resulted in a score of 86.7% for the teacher's response and 88% for the student's response to the assessment instrument product. The increase in student competence is measured through project assignments, where the results of the calculation of the paired sample T-test show that there is a difference in the average score before and after using the assessment instrument in either the cognitive or psychomotor domain.
Analysis of the Relationship Between Project-Based Outcome and Critical Thinking Skills on the Concept of Student Computational Ability Rahayu, Wening Patmi; Hidayat, Rachmad; Zutiasari, Ika; Rusmana, Dede; Indarwati, Rila Ayu Agnes; Zumroh, Siti
Journal of Educational Analytics Vol. 3 No. 1 (2024): February 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jeda.v3i1.7883

Abstract

This study aims to understand the influence of planning, project management, evaluation, cooperative thinking, and algorithmic thinking skills on the development of critical thinking ability. Using a structural equation modeling approach with path analysis, this study analyzed the relationship between these skills and critical thinking. The research method used an inferential quantitative approach by examining active students. The population is undergraduate students of Commerce Education, State University of Malang. Samples were taken from all students who fell into the population category. The results show that skills in planning, project management, and evaluation have a significant influence on critical thinking ability. The practical implications of the results of this study can be a guideline for developing student skills that are integrated with unique learning methods in higher education so that they can compete in the business world as professional workers.
INTEGRASI PENDIDIKAN SENI DAN INDUSTRI MEDIA IMERSIF MELALUI KELAS SIMULASI VISUAL UNTUK MATCHMAKING KURIKULUM INDUSTRI Iriaji, Iriaji; Patmi Rahayu, Wening; Rahman Prasetyo, Abdul; Putri Surya, Eka; Atma Wijaya, Ginanjar; Firzon Ainur Roziqin, Mohamad; Marcelliantika, Adinda; Aruna, Alby
NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Vol 11, No 9 (2024): NUSANTARA : Jurnal Ilmu Pengetahuan Sosial
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jips.v11i9.2024.3669-3681

Abstract

Integrasi pendidikan seni dengan industri media imersif melalui perancangan dan implementasi kelas simulasi visual merupakan fokus utama penelitian ini. Tujuannya adalah untuk meningkatkan kesesuaian kurikulum pendidikan seni dengan kebutuhan industri. Pendekatan metodologi yang diambil mencakup analisis kebutuhan industri, perancangan modul pembelajaran, serta implementasi dan evaluasi kelas simulasi visual. Dari kegiatan ini, terlihat adanya peningkatan keterampilan praktis mahasiswa dalam penggunaan teknologi imersif serta pemahaman mereka mengenai aplikasi praktis seni dalam konteks industri. Evaluasi melalui survei dan wawancara mendalam dengan mahasiswa dan pelaku industri mengindikasikan bahwa kelas simulasi ini efektif dalam menjembatani kesenjangan antara teori dan praktik, serta meningkatkan kesiapan kerja lulusan. Hasilnya memberikan kontribusi signifikan dalam memodernisasi kurikulum pendidikan seni dan memastikan relevansinya dengan perkembangan industri media imersif. Dengan demikian, upaya ini tidak hanya memperkuat keterampilan teknis mahasiswa tetapi juga menyiapkan mereka untuk beradaptasi dengan tuntutan industri yang terus berkembang.
Optimalisasi Produktivitas dan Efisiensi Kewirausahaan Melalui Pengembangan Keterampilan Manajerial Dida Maulidya Al Afshana; Agung Winarno; Wening Patmi Rahayu
Pajak dan Manajemen Keuangan Vol. 2 No. 6 (2025): Desember : Pajak dan Manajemen Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pajamkeu.v2i6.1776

Abstract

This research is motivated by the importance of managerial skills in improving business productivity and efficiency, particularly in the entrepreneurial sector, which faces the challenges of competition, market changes, and limited resources. The objective of this study is to analyze the role of managerial skills development and its contribution to optimizing entrepreneurial performance. The method used is a Systematic Literature Review (SLR), which examines various relevant scientific publications and then categorizes the findings to obtain a comprehensive overview of effective strategies for improving managerial competency. The results indicate that technical skills, human relations skills, and conceptual skills play a significant role in supporting decision-making processes, resource management, and adapting business strategies to business dynamics. The findings also indicate that training, mentoring, continuous learning, and the use of technology are development strategies capable of significantly increasing productivity and efficiency. The implications of this research emphasize that improving managerial skills is a strategic necessity for entrepreneurs to strengthen competitiveness, increase operational effectiveness, and promote business sustainability. Furthermore, this research provides a basis for the development of more structured training programs and supporting policies to strengthen the managerial capacity of entrepreneurs.
Quality Using SERVQUAL to Enhance Customer Satisfaction and Loyalty at MSME Nyamilo Gilang Permatasari, Trivena; Winda Purwaning Suhairiya; Sudarmiatin; Wening Patmi Rahayu
International Journal of Economics, Business and Innovation Research Vol. 4 No. 06 (2025): October- November, International Journal of Economics, Business and Innovation
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v4i06.2548

Abstract

This study aims to describe the service quality of Nyamilo MSMEs using the SERVQUAL model and to examine its relationship with customer satisfaction and loyalty. A qualitative approach was used through interviews with the owner and three customers who had made more than two purchases, accompanied by observations of online sales activities and documentation from social media. The results show that all five dimensions of SERVQUAL, namely tangibles, reliability, responsiveness, assurance, and empathy, are well fulfilled. Neat and hygienic packaging, consistent taste, quick response in communication, transparency in the production process, and the ability to customize orders are factors that shape a positive experience for customers. These findings indicate that good service increases satisfaction, which in turn encourages loyalty in the form of repeat purchases and recommendations to others. This study confirms that service quality plays a crucial role in retaining customers for online-based culinary SMEs like Nyamilo.
Co-Authors Abel Widi Astuti Adinda Marcelliantika Agnesia, Rila Ayu Agung Winarno Agus Hermawan Agus Hermawan Agustin, Resty Aisyah Asri Nurrahma Akh. Fawaid Alby Aruna Alfina Nur Jannah Alviansyah, Havisfal Amala, Istiqomah Ahsanu Amaliyah, Khoirotul Andaryanto Andi Basuki, Andi Andi Wisnu Murti Andy Chandra Pramana Andy Prasetyo Wati Andy Prasetyo Wati ANGGA MARTHA MAHENDRA, ANGGA Antara, Radittya Mahasputra Ar-Rasyi, Hasna Hamida Alifia Artino, Bhernanda Tri Mulia Aziza Putri Arumsari, Oktaviani Putri Dita Aruna, Alby Asep Dana Saputra Asrizal Atma Wijaya, Ginanjar Aulia Ramadhani A’rasy Fahrullah Bambang Banu Siswoyo Bambang Sugeng Budi Eko Soetjipto Budiono , Sunarto Cecilia Indah Hapsari Cyndy Novi Octavia Damayanti, Vidya Dede Rusmana Desi Anggarwati Desi Anggrianto - Devi, Shinta Prasetia Dewi Sinta Puspitasari Dewi, Titis Shinta Dida Maulidya Al Afshana Didik Indratno Dinda Syafitri Djoko Dwi Kusumajanto Djoko, Sunarti Doni Erfianto Dwi rahayu Dwipriwanti, Aida Eka Putri Surya Eni Noviani, Eni Eni Susilowati Erlina Puspita Istikomah Ery Tri Djatmika RWW Eva Rosita Dewi Faradila, Fian Arifiona Farij Ibadil Maula Fathonah, Sastiana Mandasari Fatmala, Fila Dia Ayu Feri Andika Prasetya Fika Dwi Rahmania Firzon Ainur Roziqin, Mohamad Fitriani Fuad Abdul Fattah Giarti Ningsih Gilang Permatasari, Trivena Hamdani Hamdani Hamdani, Umar Haniatur Rofiqoh Umar Hanik Munaddifah Haribowo, Siget Fitrianto Heny Kusdiyanti, Heny Heri Heri, Heri Heri Praktikto Heri Pratikto Hidayatin Hidayatin Hilwa Rohmahdiniyah Nur Azizah Huda, Achmad Nuril Ibrahim, Muhammad Maulana Ilham Pamungkas, Farel Indarwati, Rila Ayu Agnes Iriaji Jali, Jafalizan Md. Jamaluddin Jamaluddin Kevin Ghulaman Silmi Khoirul Ilmiati Khusnia, Rif’atul Kiki Zilfia Auliatul Maurisa Kristianingsih, yuyun Kukuh Handojo Kuncoro Aprilia Hikmawati Lili Purwanitasari Ludi Wishnu Wardana M. Yogi Riyantama Isjoni Madziatul Churiyah Mahardhika, Early Harison Manus, Victorio Chipta Gregory Marcelliantika, Adinda Marna, Jean Elikal Martha, Jefry Aulia Maulia, Danis Mentari Ritonga Mohammad Hari, Mohammad Mohammad Zaenal Abidin Muaddab, Hafis Mubarok, Dimas Hamdan Muchamad Rizky Fauzi Mufid Andrianata Muh K Bonesaputra Rukman Muhammad Rivai Muhammad Vicky Zulfikar Mujiyanti, Sri Ayudha Munawaroh, Rianzah Nabilah, Zahidah Ismah Nahdi, Moehammad Robith Nasikh Natasya Ika Suryaningsih Ningsih, Giarti NORIDA CANDA SAKTI Novantiko, Kevin Novita Ika Fitriani Novitasari, Anindita Trinura Nurul Farida Nurul Hidayati Nynys Khoirun Nisa’ Pangestu, Witjaksono Adi Prabowo, Andri Eko Prabowo, Stanley Pramana, Aditya Prasetyo, Abdul Rahman Prayitno, Reza Dwi Purnomo Purwanto, Sandi Purwanto, Yusuf Puspitasari, Ranny Fitria Putra, Pandu Yudi Putri Rahmayanti Putri Surya, Eka Rachmad Hidayat Rachmad Hidayat Rachman, Tutut Arif Raisa Fitri Raya Sulistyowati Regita Niken Ashari Rendika Vhalery Rila Ayu Agnes Indarwati Rizkita, Marsya Aulia Roziqin, Mohamad Firzon Ainur RR. Ella Evrita Hestiandari Rr. Suci Palasari Rudi, Jupensius Rully Wiliandri Safitri, Heida Ifkari Salsa Rahmawati Saputri Salsabila, Sarah Sakiran Satia Nur Maharani Selviani Putri Anggia Septia Anggi Saputri Septiawan, Bambang Shahrul Dwi Ananta Shendy Andrie Wijaya Siti Ulfatul Faizah Siti Zumroh Sri Umi Mintarti Sriyani Mentari Sudarmiatin Sulikah Sulikah Sulistiyani, Sulistiyani Sunandes, Aris Sunyoto, Agus Bambang Suprayitno, Hery Surasak Jamnongsarn Surya, Eka Putri Suyowanto, Suyowanto Syahrul Munir Tisa Reta Vianda Titis Shinta Dhewi, Titis Tri Kurniawati Umagapi, Dara Anindya Putri Umatin, Choiru Uswatun Hasanah Utami, Rizki Amalia Vica Vekyana Sagita Wahyu Dede Gustiawan Wardani, Anita Kusuma Wardhana, Ludi Wishnu Wati, Sri Sulistiya Wibowo, IG. Jarot Febri Setyo Widyaningrum, Santi Wijaya, Ginanjar Atma Winda Purwaning Suhairiya Yasari, Niluh Komang Kusuma Yenni Artati Yogatama, Ahmad Nizar Yohanes Wibisono Yosi Mariana Yuhendri L V Yusnita Wardani Zumroh, Siti Zutiasari, Ika