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Analisis Perbandingan Biaya Transaksi dan Persepsi Peminjam terhadap Prosedur Peminjaman pada Lembaga Keuangan di Kecamatan Bantan Kabupaten Bengkalis Muhammad Zakri; Ahmad Rifai; Kausar Kausar
JIP ( Jurnal Industri dan Perkotaan ) Vol 17, No 1 (2021)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

Sektor keuangan di Indonesia merupakan salah satu sektor yang memiliki peranan penting dalam mendorong peningkatan perekonomian nasional dan ekonomi masyarakat. Masih banyak lembaga keuangan yang membuat sulit dan memberatkan perekonomian masyarakat, karena harus membayar biaya transaksi yang lebih mahal. Semakin tinggi biaya transaksi maka semakin tidak efisien suatu lembaga keuangan. Kecamatan Bantan Kabupaten Bengkalis merupakan salah satu kecamatan yang memiliki beberapa lembaga keuangan diantaranya adalah Bank BRI, UPK Bantan Pesisir dan Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera. Penelitian ini bertujuan untuk: pertama mengetahui prosedur peminjaman. Kedua, menghitung total besaran biaya transaksi. Ketiga menganalisis persepsi peminjam terhadap prosedur peminjaman pada masing-masing lembaga keuangan. Penelitian ini menggunakan metode survei dan teknik pengambilan sampel yang digunakan adalah purposive sampling, jumlah sampel 30 dimana masing-masing lembaga keuangan di ambil 10 sampel. Hasil penelitian menunjukkan bahwa Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera memiliki proses prosedur pinjaman yang paling banyak dan panjang yaitu sebanyak 10 prosedur, peminjam lebih efisien menggunakan prosedur peminjaman pada Bank BRI dan UPK Bantan Pesisir. Bank BRI jenis pinjaman KUR lebih efisien dalam penetapan biaya transaksi karena total biaya transaksi lebih kecil dibanding lembaga keuangan lainnya. Persepsi peminjam terhadap prosedur peminjaman pada Bank BRI mendapatkan skor rata-rata dengan kategori sangat baik, sedangkan UPK Bantan Pesisir mendapatkan skor rata-rata dengan kategori baik, dan Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera mendapatkan  skor rata-rata dengan kategori baik. Namun masih terdapat kekurangan pada variabel kecepatan pelaksanaan di lembaga keuangan Unit Usaha Simpan Pinjam BUMDesa Mandiri Sejahtera, peminjam berpendapat bahwa masih banyak hambatan dalam pencairan dana seperti lambatnya proses pencairan dana pinjaman.
Analisis Hubungan Modal Intelectual (Intellectual Capital) Terhadap Kinerja Keuangan BUM Desa Di Kecamatan Seberida Kabupaten Indragiri Hulu Mira Sandrana; Ahmad Rifai; Kausar Kausar
JIP ( Jurnal Industri dan Perkotaan ) Vol 16, No 2 (2020)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

Intellectual Capital is applied experience, organizational technology, customer relations, and expertise that can create a competitive advantage for BUM Desa which is aimed at administrators in managing BUM Desa, and to what extent affects the management of Intellectual Capital on the performance of BUM Desa, which can be managed with innovation, collaboration and good human resources. owned. This study aims to describe the performance of BUM Desa administrators with the suitability of BUM Desa financial reports conducted in Titian Resak Village, Seresam Village ,and Petala Bumi Village, Seberida District, Indragiri Hulu Regency. The method used in this research is the survey method and research respondents. The results of this study indicate that intellectual capital and financial performance have a very tied and balanced relationship. BUM Desa, Seberida Subdistrict, which has the highest variable, is relational capital, which shows the attitude of the BUM Desa management and leadership helping each other. The highest dimension is relationships with customers who receive criticism and suggestions from BUM Desa customers. Based on the financial performance of BUM Desa, ROA, which has an average of 1.38 with a very good category. ROE (Return On Equity) which has an average value of 8.48% in the "good enough" category. The ratio of BOPO (Operational Costs and Operating Income) which has an average value of 87.88% is in the "very good" category. So that BUM Desa has high intellectual capital, its financial performance is also good and those that have low value, the financial performance is not good.
PEMBERDAYAAN SEKTOR INFORMAL (Suatu Alternatif Pembangunan Ekonomi Rakyat) Kausar Kausar
JIP ( Jurnal Industri dan Perkotaan ) Vol 15, No 27 (2011)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

This paper aims to look at the empowerment of the informal sector as an alternative to the economic development. Many problems faced by Indonesian people associated with the policy of economic regulation, especially the prices always go up and not affordable by the community. Thus, alternative economic development of the people become a rational choice to always be developed.
INDUSTRIALISASI DAN PROBLEMA INDONESIA (SUATU TINJAUAN "INDUSTRIALISASI SEMU" INDONESIA Kausar Kausar
JIP ( Jurnal Industri dan Perkotaan ) Vol 14, No 25 (2010)
Publisher : Pusat Studi Industri dan Perkotaan (PSIP) Universitas Riau

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Abstract

This writing aim to know the quasi industrialization in Indonesia. quasi industrialization in Indonesia different with other country. The concept of industrialization not clear and not focus, Indonesia want like west country, but Indonesia has different endowment factor. It's caused Indonesia doesn't have strong competition with the other country. Indonesia doesn't have entrepreneurship abilty and decision making process based on nepotism, colutive, make industrialization in Indonesia become quasi.
Penerapan minapadi untuk mendukung ketahanan pangan dalam meningkatkan kesejahteraan masyarakat Desa Koto Benai Kabupaten Kuantan Singingi Eni Sumiarsih; Kausar Kausar; Adriman Adriman; Eddiwan Eddiwan; Ika Fitria Hasibuan
Unri Conference Series: Community Engagement Vol 1 (2019): Seminar Nasional Pemberdayaan Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/unricsce.1.304-309

Abstract

Koto Benai village is a village where most of its inhabitants have eyes in the agricultural sector. The people of Koto Benai Village grow rice only 2 times a year. Mina padi is a way of maintaining fish between rice plants, this is one of the appropriate technologies in paddy fields. The types of fish that can be maintained on the system are carp, tilapia, tilapia, catfish, and others. The purpose of this activity is so that farmers can understand the technique of using fish with the Minapadi system. It is expected that after this service the farmers and the community can apply the Minapadi system technology to increase farmers' income which is not only from agricultural products. independent village. Method in this activity consists of lectures and direct practice in the field. The implementation of rice mina is carried out in several stages: the situation analysis stage and preliminary observations, training in the cultivation of rice mina and fish farming, mentoring and mentoring of rice mina, determining the reliability of activity indicators, and problems that arise. The results obtained from the implementation of this activity were enthusiastic communities to carry out minapadi cultivation, agricultural and livestock production increased in 24%.
Pemberdayaan Masyarakat Dalam Pengelolaan Potensi Desa Menuju Daerah Wisata Mandiri Di Desa Koto Benai Kabupaten Kuantan Singingi Eni Sumiarsih; Kausar Kausar; Eddiwan Eddiwan
Unri Conference Series: Community Engagement Vol 3 (2021): Seminar Nasional Pemberdayaan Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/unricsce.3.316-323

Abstract

The purpose of community service activities packaged in the form of mentoring and training is to increase community knowledge in managing village potential in the fields of fisheries, agriculture and home industry to make Koto Benai Tourism Village a tourist area. The method in this service activity consists of lectures and direct practice in the field. This activity was carried out from July to August 2021 in Koto Benai Village, Kutan Singingi Regency. The stages carried out are, socialization, FGD and training as well as mentoring and monitoring. The results of service activities regarding exploring the local potential of the village are an effort to encourage solving problems by looking at the problems in the village community itself. The training provided on environmentally friendly fisheries, as well as counseling in the field of agriculture and training in the home industry. The level of achievement of the PKM program targets can be said to be successful. This can be seen from the results of the pre-test and post-test given to participants. As well as for BUDIKDAMBER fish cultivation, the community can enjoy the kale harvest 2 times a month. The yield of kale is Rp. 120,000 x 3 months is Rp. 360,000 while the yield of catfish: 16 kg x Rp. 20,000 = Rp. 320,000 and a profit of Rp. 160,000 so that this can improve the local community's economy.
STRATEGI PENINGKATAN KEBERDAYAAN DENGAN PENDEKATAN MODAL INTELEKTUAL PADA KELOMPOK TANI PADI DI DESA KUOK KECAMATAN KUOK KABUPATEN KAMPAR Deby Kurnia Kurnia; Didi Muwardi; Kausar; Fitra Cahya mahdani
JURNAL AGRIBISNIS Vol. 11 No. 2 (2022): Jurnal Agribisnis Volume 11 Nomor 2 Tahun 2022
Publisher : Program Studi Agribisnis, Fakultas Pertanian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32520/agribisnis.v11i2.2244

Abstract

Modal intelektual dan keberdayaan memiliki irisan dalam dimensi pembentuknya. Keduanya saling berhubungan dan menjadi ukuran dalam peningkatan kesejahteraan masyarakat termasuk anggota kelompok tani padi sawah. Tradisi bertanam padi sawah di Desa Kuok telah berlangsung sejak lama namun belum terlihat peningkatan produksi yang signifikan. Perlu upaya mengoptimalkan modal intelektual dalam peningkatan keberdayaan kelompok tani. Penelitian ini bertujuan untuk mengindentifikasi modal intelektual dan mengukur tingkat keberdayaan anggota kelompok tani yang selanjutnya dirumuskan prioritas strategi peningkatan keberdayaan dengan pendekatan Modal Intelektual. Sumber informasi utama dari Responden yakni ketua dan anggota kelompok tani serta didukung informasi dari expert. Pengukuran modal intelektual dan keberdayaan menggunakan analisis Skala Likert dengan 5 tingkatan pengkategorian serta rumusan strategi dianalisis dengan Analytic Hierarchy Process (AHP). Modal Intelektual berada pada kategori sedang dengan tingkat intensitas dimensi modal manusia 34,34 persen (rendah) dan modal organisasi 64,65 persen (tinggi). Strategi yang termasuk sangat strategis adalah peningkatan pengetahuan dan ketrampilan petani melalui media informasi digital dan perubahan teknik budidaya komoditas padi. Intellectual capital and empowerment have slices in their constituent dimensions. The two are interconnected and become a measure in improving the welfare of the community, including members of the lowland rice farmer group. The tradition of cultivating lowland rice in Kuok Village has been going on for a long time but has not seen a significant increase in production. Efforts are needed to optimize intellectual capital in increasing the empowerment of farmer groups. This study aims to identify intellectual capital and measure the level of empowerment of farmer group members, which then formulates priority strategies for increasing empowerment using the Intellectual Capital approach. The main sources of information from respondents are the chairman and members of farmer groups and supported by information from experts. Measurement of intellectual capital and empowerment using Likert Scale analysis with 5 levels of categorization and strategy formulation analyzed by Analytic Hierarchy Process (AHP). Intellectual Capital is in the medium category with the intensity level of the dimensions of human capital 34.34 percent (low) and organizational capital 64.65 percent (high). A very strategic strategy is increasing the knowledge and skills of farmers through digital information media and changing rice cultivation techniques
Analisis Modal Sosial Petani Padi Sawah Di Kecamatan Bunga Raya Kabupaten Siak Provinsi Riau Kausar Kausar; Cepriadi Cepriadi; Rita Suharti
Cannarium Vol 20, No 2 (2022)
Publisher : Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/cannarium.v20i2.5361

Abstract

Salah satu program pembangunan yang masih diharapkan menjadi andalan pembangunan nasional adalah pembangunan pertanian. Dalam pembangunan sektor pertanian, khususnya dalam meningkatkan kapasitas petani padi diperlukan adanya modal sosial. Maka, dengan demikian menarik untuk meneliti tentang  analisis sosial petani padi sawah Kecamatan Bunga Raya Kabupaten Siak Provinsi Riau. Teknik pengambilan sampel dalam penelitian ini menggunakan teknik proportional random sampling. Jumlah sampel dalam penelitian ini adalah 30 orang mewakili dari kelompok tani. Analisis yang digunakan adalah skala Likert. Tingkat modal sosial petani pada kelompok tani padi sawah Kecamatan Bunga Raya Kabupaten Siak kategori tinggi. Jumlah skor rata-rata yaitu 3,91 yang berarti bahwa modal sosial berada pada kategori tinggi. Bagi kelompok tani diharapkan agar dapat mempertahankan modal sosial di Kecamatan Bunga Raya Kabupaten Siak Provinsi Riau karena modal sosial sangat penting dalam proses pembangunan sumber daya petani.
ANALISIS HUBUNGAN FAKTOR-FAKTOR PENYEBAB KONFLIK DENGAN INTENSITAS KONFLIK EMERGING DALAM KONFLIK LAHAN PERKEBUNAN ANTARA MASYARAKAT DESA KOTO AMAN DENGAN PT. SEKAR BUMI ALAM LESTARI Kausar Kausar; Cepriadi Cepriadi; Nurul Ula Hidayanti
Jurnal Ilmiah Mahasiswa Agroinfo Galuh Vol 10, No 1 (2023): Januari 2023
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/jimag.v10i1.9143

Abstract

Konflik lahan perkebunan antara masyarakat Desa Koto Aman dengan PT. Sekar Bumi Alam Lestari berawal dari pihak masyarakat yang menyatakan bahwa lahan perkebunan kelapa sawit seluas ±1.500 hektar yang masuk kedalam HGU perusahaan merupakan milik masyarakat. Masyarakat menuntut pembatalan sertifikat HGU atau perusahaan melakukan ganti rugi secara keseluruhan terhadap lahan masyarakat yang masuk kedalam HGU perusahaan. Penelitian ini bertujuan untuk mengetahui faktor penyebab konflik dan menganalisis hubungan faktor-faktor penyebab konflik dengan intensitas konflik emerging yang terjadi antara masyarakat Desa Koto Aman dengan PT. Sekar Bumi Alam Lestari. Sampel dalam penelitian ini berjumlah 42 orang masyarakat yang diambil secara Purposive Sampling. Penelitian ini diukur secara kuantitatif dengan menggunakan alat analisis berupa analisis skala likert dan analisis Uji Korelasi Rank Spearman. Berdasarkan hasil uji korelasi Rank Spearman aspek penyebab konflik dengan skor tinggi memiliki nilai yang signifikan yaitu aspek imbalan tidak layak, aspek perbedaan pendapat, aspek keterbatasan sumber, dan aspek kebutuhan.
Analisis hubungan modal sosial terhadap keberdayaan petani pada kelompok tani padi sawah di Desa Jatibaru Kecamatan Bunga Raya Kabupaten Siak Cepriadi Cepriadi; Kausar Kausar; Rita Suharti
Unri Conference Series: Community Engagement Vol 4 (2022): Seminar Nasional Pemberdayaan Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/unricsce.4.314-317

Abstract

The existence of social capital is very important in agricultural development. The purpose of building social capital is to strengthen community empowerment to become a civil society, the community empowerment approach implies that humans are placed in the position of actors and beneficiaries of the process of finding solutions and achieving development results. Strong social capital will ensure sustainability in building a sense of trust within the community, especially group members. The main idea of empowerment is related to the concepts of social capital and power. Power is often associated and associated with the ability of individuals to make individuals do what they want, regardless of their desires and interests. This study aims to examine the relationship of social capital to the empowerment of farmer groups in Jatibaru Village, Bunga Raya District, Siak Regency. The analysis of this research uses the Spearman Rank Correlation method. Based on the results of the research, the Spearman Rank Correlation value of social capital on farmer empowerment in lowland rice farmer groups in Jatibaru Village obtained a sig (2-tailed) value of (0.000 < 0.05) so it can be concluded that social capital has a relationship with farmer empowerment in rice farmer groups. ricefield. The correlation coefficient value is 0.656 where this value is included in the category of a strong relationship.