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All Journal Conference In Business, Accounting And Management (Cbam) 2012 MBR (Management and Business Review) Jurnal Litbang Sukowati : Media Penelitian dan Pengembangan Budimas : Jurnal Pengabdian Masyarakat Efficient: Indonesian Journal of Development Economics Salam (Islamic Economics Journal) Business and Economic Analysis Journal Jurnal Riptek Paradoks : Jurnal Ilmu Ekonomi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Ekonomi dan Pembangunan Indonesia Kongga : Jurnal Pengabdian Masyarakat Efficient: Indonesian Journal of Development Economics Journal of Ekonomics, Finance, and Management Studies
Nurjannah Rahayu Kistanti
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Public Health Social Sciences Transportation Other

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Journal : Jurnal Riptek

 1 
KAJIAN AKSESIBILITAS UMKM DAN IKM TERHADAP LEMBAGA KEUANGAN DI KOTA SEMARANG Nurjannah Rahayu Kistanti; Margunani Margunani; Avi Budi Setiawan
Jurnal Riptek Vol 13, No 2 (2019)
Publisher : Badan Perencanaan Pembangunan Daerah Kota Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (418.525 KB) | DOI: 10.35475/riptek.v13i2.60

Abstract

Tujuan dari penelitian ini yaitu untuk mengetahui preferensi UMKM dan IKM Kota Semarang terhadap aksesibilitas pembiayaan lembaga keuangan, untuk mengetahui besaran penyaluran pembiayaan UMKM IKM, untuk mengidentifikasi faktor yang menjadi penyebab rendahnya aksesibilitas, dan untuk memberikan strategi peningkatan kemampuan UMKM dan IKM terhadap aksesibilitas lembaga keuangan. Data yang digunakan dalam penelitian ini adalah data primer dengan responden pelaku usaha UMKM dan IKM (berjumlah 100 responden) serta perwakilan lembaga keuangan, dan OJK. Analisis yang digunakan adalah mixed method dan analisis SWOT. Hasil penelitian menunjukkan 66% pelaku UMKM IKM mengalami kesulitan dalam mencari pinjaman modal di lembaga keuangan. Penyaluran Kredit Usaha rakyat (KUR) di Kota Semarang dengan nilai akad Rp. 621.959.783.457. Mayoritas pelaku UMKM IKM di Kota Semarang meminjam di Lembaga keuangan bank dibandingkan Lembaga keuangan non bank. Jumlah dana yang disalurkan oleh Lembaga keuangan kepada UMKM di Kota Semarang sebesar Rp 22.774.663.687.032, sedangkan Lembaga keuangan non bank Rp 104.836.360.801. Untuk kredit WIBAWA yang disalurkan Rp 3.024.000.000. Faktor penyebab rendahnya tingkat aksesibilitas usaha kecil mikro terhadap kredit adalah tingginya tingkat suku bunga, aspek legalitas, tidak memiliki tambahan agunan, pengusaha tidak mengetahui prosedur pengajuan kredit, dan rendahnya kemampuan dalam pembukuan yang profesional. Adapun strategi yang digunakan adalah mengkombinasikan hasil SWOT yaitu Pelatihan dan Pendampingan UMKM dan IKM dalam pembuatan laporan keuangan, sosialisasi dan pendampingan untuk membuat IUMK dan NPWP, Pengenalan UMKM kepada sumber pembiayaan (Bank dan Non Bank), memberi pelatihan perhitungan kredit yang tepat dan sesuai berdasarkan kebutuhan pengembangan UMKM dan IKM.
POTENSI PENGEMBANGAN PASAR TEMATIK DI KOTA SEMARANG Margunani Margunani; Sucihatiningsih Dian Wisika Prajanti; Asrori Asrori; Yozi Aulia Rahman; Nurjannah Rahayu Kistanti
Jurnal Riptek Vol 12, No 2 (2018)
Publisher : Badan Perencanaan Pembangunan Daerah Kota Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.768 KB) | DOI: 10.35475/riptek.v12i2.8

Abstract

To maintain the existence of traditional markets, one of the efforts that can be done is to make traditional markets become thematic markets. The purpose of this study is to identify the potential development of thematic markets in Semarang City and to find out the thematic market development strategies in Semarang City. This research method is secondary data and primary data. Determination of samples in this study was carried out by purposive sampling method, that is judgment sampling. The analytical method uses description analysis, and SWOT analysis. The results of the study show that the potential of thematic market development in Semarang City is directed at two things, (a) thematic-based products, (b) themati-based village (c) based on creative economy. The potential of thematic / tourism village based thematic market development is directed at thematic villages that have been formed and developed by each Subdistrict according to their characteristics, potential and superiority. Some thematic market development strategies based on SWOT Analysis are facilitation of funds and bureaucracy in the development of thematic markets, conducting marketing promotions on thematic markets on a regular basis to the community, and empowering the market community. Efforts should be made to integrate tourism villages, thematic products, industrial centers and people's markets in maximizing the development of thematic markets in the city of Semarang so that there is no need to build new thematic markets that spend a lot of budget.
Co-Authors Adela Yunensy Adela Yunensy Amir, Saiful Amir Andryan Setyadharma Asrori Asrori Avi Budi Setiawan Badar Fadlan Ibrahim Badar Fadlan Ibrahim Berlianti, Erni Nelia Daniel, Erikson Dewi Karisma Dewi Karisma Didanti, Mayang Putri Dyah Maya Nihayah Fafurida Fafurida Farida Nur Azizah Farida Nur Azizah Fitri Lestari Fitri Lestari Haliza, Fitri Nur jelita, jelita Karsinah - Khoirotun Ni’mah Margunani, Margunani Medi Elfani Medi Elfani Mochammad Imron Awalludin Mochammad Yusuf, Mochammad Oktavilia , Shanty P. Eko Prasetyo Pardan Pardan Pratiwik, Erida Putri, Noventi Siti Nur Aisa Ramadanti, Annisa Putri Regitha Adjeng Pramesty Shanty Oktavilia Siti Ridloah Siti Yuliana Sucihatiningsih Dian Wisika Prajanti Syifa Sa’adah Syifa Sa’adah Vini Wiratno Putri Yozi Aulia Rahman, Yozi Aulia