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Analisis Efektivitas Bantuan Langsung Tunai dalam Mencegah Angka Kemiskinan Selpiani Selpiani; Ahsan Putra Hafiz; Kurniati Kurniati
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 2 No. 5 (2024): OKTOBER : Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v2i5.1302

Abstract

This study aims to analyze the effectiveness of Direct Cash Assistance (BLT) in preventing poverty in the village of Sungai Jering. The background of this research problem is the high poverty rate, which is a major challenge for local governments in improving community welfare. The BLT program is expected to provide direct economic support to poor and vulnerable families. The theoretical concepts underlying this research include transparency, community participation, supervision, justice, and social security. The research method used is qualitative, allowing researchers to understand phenomena holistically and deeply. Data were collected through in-depth interviews, observations, and document analysis involving BLT beneficiaries and other related parties. The results of the study show that the BLT program in Sungai Jering has succeeded in increasing the purchasing power of the community and providing economic stability for recipient families. This success is marked by active community participation in the monitoring and implementation of the program, as well as high transparency in the distribution of assistance. However, to improve the program's effectiveness, support in the form of long-term sustainable economic empowerment programs is needed. In conclusion, BLT can be an effective tool in poverty alleviation strategies if implemented well, with high accountability and strong community involvement. With the right policies, this program is expected to become a model for other villages in managing social assistance effectively.
PENGARUH KARAKTERISTIK WIRAUSAHA DAN MODAL USAHA TERHADAP PERKEMBANGAN UMKM KOTA JAMBI Hanifa Putri Zavira; Ahsan Putra Hafiz
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 2 (2026): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i2.64767

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh karakteristik wirausaha dan modal usaha terhadap perkembangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Jambi. UMKM merupakan sektor penting dalam menggerakkan perekonomian daerah, namun perkembangannya masih menghadapi kendala seperti lemahnya kualitas wirausahawan serta keterbatasan modal. Penelitian menggunakan pendekatan kuantitatif dengan metode survei kepada para pelaku UMKM. Data dianalisis menggunakan regresi linier berganda untuk melihat pengaruh variabel karakteristik wirausaha (pendidikan, pengalaman, sikap inovatif, dan kepemimpinan) serta modal usaha terhadap perkembangan UMKM. Hasil penelitian menunjukkan bahwa kedua variabel memiliki pengaruh positif dan signifikan terhadap perkembangan UMKM. Hal ini menegaskan bahwa peningkatan kapasitas pelaku usaha serta kemudahan akses modal menjadi faktor penting dalam mendorong pertumbuhan UMKM di Kota Jambi. Kata Kunci: karakteristik wirausaha; modal usaha; UMKM; pengembangan usaha; Kota Jambi.   Abstract This study aims to analyze the influence of entrepreneurial characteristics and business capital on the development of Micro, Small, and Medium Enterprises (MSMEs) in Jambi City. MSMEs play an important role in driving the regional economy, yet their development still faces obstacles, including weak entrepreneurial capacity and limited capital. This research uses a quantitative approach with a survey method involving MSME actors. Data were analyzed using multiple linear regression to determine the effect of entrepreneurial characteristics (education, experience, innovative attitude, and leadership) and business capital on MSME development. The findings show that both variables have a positive and significant effect on MSME growth. This confirms that improving entrepreneurial capacity and facilitating access to capital are crucial in supporting MSME development in Jambi City. Keywords: entrepreneurial characteristics; capital; MSMEs; business development; Jambi City.
Analisis Faktor-Faktor yang Mempengaruhi Pertumbuhan Laba pada Perusahaan Kelapa Sawit PT Bungo Limbur/KBI di Muara Bungo Uci Liati; Ahsan Putra Hafiz; Puteri Anggi Lubis
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 5 No. 2 (2026): Mei : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v5i2.6470

Abstract

This study aims to know the impact of CPO Prices and Production Costs on Profit Growth in Palm Oil Companies. This study uses a quantitative approach with primary data in the form of interviews, questionnaires and documentation. Sampling in this study used a sampling technique with a sample of 60 people. The method used in this study is multiple linear regression analysis using IBM SPSS as the application. The results of this study show that CPO prices do not have a significant effect on profit growth and operating costs have a significant effect on profit growth. For the results of simultaneous testing (F test), namely the price of CPO and production costs have a joint effect on the company's profit growth. The results of the determination coefficient (R2) show that CPO prices and production costs can explain profit growth of 49.5% while the rest is not studied in this study
Peran Lembaga Keuangan Mikro Syariah (BMT) Dalam Percepatan Pertumbuhan Usaha Mikro Di Kota Jambi M. Khoirullah; A. A. Miftah; Ahsan Putra Hafiz
Jurnal Akuntan Publik Vol. 3 No. 3 (2025): September : Jurnal Akuntan Publik
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jap-widyakarya.v2i1.2750

Abstract

This study aims to (1) to find out how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) to find out how the development of Islamic microfinance institutions in Jambi city. (3) to find out what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro enterprises in Jambi city. The problems discussed in this thesis are (1) how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) what influences the role of Islamic microfinance institutions (BMT) on micro businesses. (3) what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro business ventures in Jambi city. The research method used is descriptive qualitative. The descriptive method of analysis is obtained through data sourced from observation, interviews, and documentation as well as other sources that support field research by finding data sources directly from the field, namely from the BMT through data collection and interviews with the parties concerned. The results of this study are the Financing mechanism at BMTs in Jambi city, namely BMT Al-Ishlah, BMT KOSSUMA, and BMT. Muslimah Masyitoh tends to be the same, the difference lies only in the tax year of the vehicle financing ceiling, and the length of installments. Financing includes several contracts, namely murabahah, ijarah, ar-Rahn, mudharabah, musyarakah and qordhul hasan. Analysis before channeling financing at BMT for prospective financing members includes: Character, Capital, Capacity, Condition, and Coleterol. The importance of Islamic microfinance by BMTs in Jambi city in empowering MSMEs is evidenced by the main target of BMT financing is small business actors who are not reached by banks. Simple procedures and applied financing are needed by Jambi city MSMEs in developing their businesses. The constraints of the Jambi city BMT cooperative in carrying out its business, namely financing in the context of empowering MSEs, include internal constraints and external constraints.
Analisis Sistem Tanggung Renteng sebagai Strategi dalam Meminimalisir Risiko Kredit Bermasalah di BUMDesma Bangkit Mandiri Kecamatan Kumpeh Ulu Jihan Salkiyano; Ahsan Putra Hafiz
ARZUSIN Vol 5 No 5 (2025): OKTOBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i5.7719

Abstract

The revolving fund management program through the Badan Usaha Milik Desa Bersama (BUMDESMA) Bangkit Mandiri of Kumpeh Ulu Subdistrict represents a transformation of the PNM Mekaar program, initiated in January 2023, with the aim of strengthening access to capital for underprivileged women engaged in ultra-micro enterprises. One of the key approaches implemented is the joint liability system within the Simpan Pinjam Perempuan (SPP, or Women’s Savings and Loans) groups, yet its effectiveness in addressing non-performing loans remains underexplored. This study aims to analyze the implementation of the joint liability system as a strategy to enhance member solidarity and minimize credit risk. A qualitative descriptive method was used, with data collected through field observation, in-depth interviews with group leaders and members, documentation, and literature review. The findings indicate that the joint liability system is effective in increasing participation, discipline, and member accountability, while also reducing non-performing loans and accelerating group capital turnover. Values of kinship, gotong royong (mutual cooperation), and transparency are embedded in group practices, reinforcing social and economic stability. Nevertheless, challenges persist, particularly low financial literacy and partial non-compliance with repayment obligations. This study underscores that the sustainability of the joint liability system requires intensive mentoring, strengthened group leadership capacity, and adaptive, sustainable institutional management.