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Strategies for Upgrading MSMEs Through the Optimization of KUR Financing Utilization at Bank Syariah Indonesia in the Bogor Area Anum Syantining Sari; Hartrisari Hardjomidjojo; Sapta Raharja
Amkop Management Accounting Review Vol. 6 No. 1 (2026): January - June
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v6i1.3502

Abstract

One of the fundamental problems faced by MSMEs is limited capital. Although MSMEs may have received financing, many still encounter obstacles in elevating their business category. Among these factors are financial literacy and financial inclusion. Therefore, in this study, the data were collected through questionnaires and interviews with 113 MSMEs that have received KUR financing from BSI in the Bogor Area, using purposive sampling. The analytical methods used in this study include both qualitative and quantitative descriptive analysis. This includes classical assumption tests, regression model estimation, and hypothesis testing (t-test). Strategy development uses the Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE) matrices, SWOT analysis and QSPM. The QSPM analysis identifies three top-priority strategies that most significantly support MSMEs in upgrading their business class after receiving KUR financing from BSI in the Bogor Area: (1) enhancing financial inclusion by providing easier access to banking services, both savings and financing. (2) improving the reputation and role of KUR in assisting unbankable MSMEs to become bankable and move up in business class. (3) increasing financial literacy among customers to encourage the use of BSI bank accounts for transactions, including digital transactions.
Studi awal perbaikan kualitas tepung Talas Beneng (Xanthosoma undipes K.Koch) sebagai potensi produk unggulan Banten Putri, Nia Ariani; Riyanto, Rifqi Ahmad; Budijanto, Slamet; Raharja, Sapta
Journal of Tropical AgriFood Volume 3, Nomor 2, Tahun 2021
Publisher : Department of Agricultural Products Technology, Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35941/jtaf.3.2.2021.6360.63-72

Abstract

Talas Beneng (Xanthosoma undipes K.Koch) merupakan sumber pangan lokal khas Banten yang banyak tumbuh di Kabupaten Pandeglang. Sebagian besar Talas Beneng diolah menjadi tepung dan dijual untuk digunakan sebagai bahan baku pembuatan produk bakery. Akan tetapi masih terdapat masalah dengan produk tepung ini, yaitu karakteristiknya tidak stabil dan mempunyai kandungan asam oksalat yang cukup tinggi yang dapat menimbulkan rasa gatal saat dikonsumsi. Tujuan penelitian ini adalah untuk memperbaiki kualitas produk tepung talas beneng melalui introduksi perlakuan proses yang baru, yaitu penghilangan tahapan perendaman. Parameter yang diamati adalah karakteristik fisik dan kimia tepung Talas Beneng yang dihasilkan dari produksi komersial (dengan perendaman) yang diproduksi oleh kelompok tani dan introduksi perlakuan proses baru (tanpa perendaman). Data yang diperoleh dianalisis secara deskriptif. Hasil penelitian menunjukkan bahwa introduksi proses perlakuan tanpa perendaman menghasilkan tepung dengan karakteristik kimia yang lebih baik, yaitu kadar abu, kadar karbohidrat dan serta pangan yang lebih tinggi, dan kadar air dan kadar oksalat yang lebih rendah. Warna tepung talas beneng yang dihasilkan mempunyai nilai a* dan b* yang lebih rendah, sedangkan nilai L* nya lebih tinggi dibanding produk tepung Talas Beneng komersial. Granula pati tepung Talas Beneng yang dihasilkan dari kedua proses tersebut berbentuk poligonal.
Development Strategy For a Sustainable Palm Sugar Cooperative Business Model in Sukabumi Regency Amrizal Yusri; Ma'mun Sarma; Sapta Raharja
Jurnal Manajemen dan Agribisnis Vol. 22 No. 2 (2025): JMA Vol. 22 No. 2, July 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jma.22.2.248

Abstract

Background: The Binekas Cooperative, a palm sugar producer cooperative in the Sukabumi Regency, faces an increasing demand for sustainable products that require enhanced economic, environmental, and social performance.Purpose: This study aims to identify cooperative and smallholder profiles, existing business models, and internal and external factors, and formulate strategies for developing a sustainable cooperative business model.Design/methodology/approach: Data were collected through interviews, questionnaires, and literature reviews, from May to August 2024. Analytical methods include situational analysis, Circular Business Model Canvas (CBMC), SOAR analysis (Strengths, Opportunities, Aspirations, and Results), IFAS-EFAS, and Analytic Hierarchy Process (AHP).Findings/Result: The study found that the Binekas Cooperative has a simple organizational structure with strong community roots. Internal and external factors were mapped using CBMC and SOAR to generate four strategic options: expansion of capital access, green productivity optimization, business process standardization, and product diversification through digitalization. Using AHP, the top strategic priority identified was expanding access to capital through inclusive partnerships with member farmers.Conclusion: The cooperative's priority strategy is to expand capital access by strengthening inclusive partnerships with smallholders, who play a key role in governance, and developing a strong, dynamic organizational structure.Originality/value (State of the art): This study shows that the CBMC framework can encourage cooperatives to be adaptive by involving stakeholders under sustainability principles, strengthening governance, enhancing economic activities through social capital within communities, and promoting environmentally friendly production processes. Keywords: AHP, CBMC, Cooperative, Palm Sugar, SOAR
Determination of Superior Commodities For The Development of Small and Medium Industries in Kampar Regency Dewi Diniaty; Anas Miftah Fauzi; Titi Candra Sunarti; Sapta Raharja; Fiora Helmi
Journal of Applied Engineering and Technological Science (JAETS) Vol. 5 No. 2 (2024): Journal of Applied Engineering and Technological Science (JAETS)
Publisher : Yayasan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/jaets.v5i2.4727

Abstract

The small and medium industries based on superior commodities potentially developed in Kampar Regency, as of its second-largest share contribution of GDP after the agriculture sector. The problem faced in developing small and medium industries is the diverse and varied nature of these enterprises, both in terms of quantity and scope, which leads to unfocused management of potential commodities and types of businesses. A technopark is one of the alternative strategies to develop small and medium industries based on superior commodities. Determining superior commodities is an initial step in developing small and medium industries through technoparks. The purpose of this study is to identify the superior commodities that will be developed in small and medium industries through technoparks in Kampar Regency, Riau Province. Data collection techniques were conducted through literature studies and expert interviews, using purposive sampling. The determination of commodities was done through LQ and SSA. The data used were horticultural crop production from 2017-2021. The study results indicate that pineapples are a superior commodity due to their extensive distribution in five sub-districts, boasting the largest harvest areas, abundant raw materials, and regional potential with LQ >1 and SSA > 0. The development of small and medium industries based on pineapple as a superior commodity through technopark can create economic value in the Kampar Regency.
THE EFFECT OF PRETREATMENT OF MICROWAVE HEATING ON EFFICIENCY OF HYDROLYSIS TIME AND α-CELLULOSIC CHARACTERISTICS OF PALM OIL WASTE BIOMASS Fitriani Kasim; Khaswar Syamsu; Dwi Setyaningsih; Prayoga Suryadarma; Sudirman
Jurnal Sains Materi Indonesia Vol. 20 No. 1 (2018): Jurnal Sains dan Materi Indonesia
Publisher : BRIN Publishing (Penerbit BRIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17146/jsmi.2018.20.1.5408

Abstract

THE EFFECT OF PRETREATMENT OF MICROWAVE HEATING ON EFFICIENCY OF HYDROLYSIS TIME AND α-CELLULOSIC CHARACTERISTICS OF PALM OIL WASTE BIOMASS. This research is underlied by the needs of various industries for alpha cellulose, especially for the needs of raw material for cellulose nanocristalline, from fiber derived from the most potential waste biomass in Indonesia, namely oil palm empty fruit bunches (OPEFB) and mesocarp fibers. This study aims to find out the effect of pretreatment by microwave heating on the efficiency of hydrolysis time and alpha cellulose characteristics from palm oil waste biomass. To produce alpha cellulose, acid hydrolysis is commonly used with the multistage pulping process method, where the fiber is dissolved into HNO3 mixed acid, 3.5% and NaNO2, heated at a temperature of 90 oC for 2 hours, hydrolyzed and delignified to remove lignin and bleached, then separated from betha and gamma cellulose by dissolving it with NaOH 17.5%. In this study, a preliminary treatment (pretreatment) with microwave heating was carried out before the fiber was hydrolyzed so that the hydrolysis process was more efficient without reducing the characteristics of the alpha cellulose produced. The research results showed that pretreatment with microwave heating can streamline the hydrolysis time from 2 hours to 1 hour, without reducing its characteristics, where the degree of fiber crystallinity (XRD) and the yield of alpha cellulose remain high. Microwave heating with 450 watts for 5 minutes (treatment A) is better than 300 watts of heating for 10 minutes (treatment B). From the results of the study, it can be concluded that the pretreatment with microwave heating can streamline the hydrolysis time of the fiber to obtain alpha cellulose and increase the yield of the produced alpha cellulose.
Co-Authors - Suryahadi Achmad Mujib Afifah Nur Arfiana Ahmad Sulaeman Aida Vitayala S Hubeis Aji Hermawan Aldrich Ilyas Aminah, Mimin Amira Amandanisa Amiruddin Saleh Amril Rahman Amrizal Yusri Anas Miftah Fauzi Andi Asrianto Iskandar Ani Suryani Anum Syantining Sari Arahmah, Melina Arifin Derajat Suryana Aris Munandar Aris Munandar Bambang Hero Saharjo Budi Suharjo Chelvi Agnariosa Danang Aria Nugroho Darwin Kadarisman Dewi Auditiya Marizka Dewi Diniaty Dewi, Kiki Mariya Dian Puspitasari Dina Yuliasty Lamefa Dinda Nadhifah Aprillia Djumali Mangunwidjaja Dwi Setyaningsih Enrico Annas Erliza Hambali Erliza Noor Fakhrurrazi, Fakhrurrazi Faqih Udin Faqih Udin Fiora Helmi Firda Dimawarnita Fitriani Kasim Fitriani Kasim Fitry Filianty Fransiska R Zakaria Hanafi, Imron Hartrisari Hardjomidjojo Hidayat, Adhi Nur Illah Sailah Imron, Tubagus Indah Yuliasih Intan Zania Khaswar Syamsu Khumaeroh, Siti Kiki Yulianto Komar Sumantadinata Luluk Sulistiyo Budi M. Syamsul Maarif M. Syamsul Ma’arif Ma'ruf Pambudi Nurwantara Ma'mun Sarma MARIA BINTANG Marimin , Ma’ruf Pambudi Nurwantara Meilan, Tria Mutiari Muhamad Sapoan Muhammad Syamsul Ma arif Muhammad Syamsun Musa Hubeis Muti'atul Chosyi'ah Nastiti Siswi Indrasti Nazli, Rizal Syarief Sjaiful Netra Mirawati Nike Yosephine Nunung Nurhayati Nurmiati Ono Suparno Pindo Witoko Praba Indariawati Pranata, Wahyu Suradi Prasetyo, Anggari Purana Indrawan Purwaningrum, Cucu Rina Purwo Subekti Putri, Nia Ariani Rahayu, Nur Fitri Rahmatun Nisful Maghfiroh Ramadhan, Muhammad Rahmad Ridloudin, Ahmad Riyanto, Rifqi Ahmad Rizal Syarief Rizky Julianto Perkasa Rosniyati Suwarda Rudi Laksono S. Joni Munarso Saifullah, Rikza Sandro Aldy Sayyidina Hamzah Seppa Septarianes Shanti Kirana Anggraeni Slamet Budijanto Soewarno T. Soekarto Soselisa, Jack Absalom Sri Mursidah Sudirman Sudirman Sudirman Sugeng Hari Suseno Sugeng Heri Suseno Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi, Sukardi Sumiati Sumiati Sumiati Sumiati Syamsul M. Syamsuwarni Rambe Syarifah Rohana Maghfiroh Tajuddin Bantacut Teni - Oktavia Titi Candra Sunarti Tjahja Muhandri Tonni Kusuma Triwulandari S. Dewayana Triwulandari Satitidjati Dewayana Tun Tedja Irawadi Winda Herman Wine Widiana Yandra Arkeman Yuanto, Eka Novah