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All Journal Jurnal Bina Bangsa Ekonomika Review of Management, Accounting, and Business Studies
Abdul Malik
Universitas Muhammadiyah Makassar
Economics, Econometrics & Finance

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EFEKTIVITAS PROGRAM PEMBIAYAAN MIKROFINANCE DESA OLEH BAZNAS DALAM MENDORONG PENGEMBANGAN USAHA MIKRO MUSTAHIK Jasri Jasri; Andi Syarifah Wahdah; Muhammad Ridwan; Abdul Malik
Jurnal Bina Bangsa Ekonomika Vol. 16 No. 2 (2023): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v16i2.409

Abstract

This study is intended to identify how the implementation of the village microfinance program by Baznas affects the development of micro-enterprises owned by mustahik in BAZNAS, Maros Regency. The research method used in this study is descriptive qualitative research. Data collection methods include observation, face-to-face interviews, and documentation. Research findings show that the implementation of the Village Microfinance program by the National Amil Zakat Agency in Maros Regency contributes significantly to micro-entrepreneurs in developing their businesses, especially for those who have difficulty accessing capital. This program also helps micro-entrepreneurs to overcome the impact of declining income due to the impact of the COVID-19 pandemic. In addition to financial support, mustahik engaged in the micro business sector also receive market access assistance from the Village Microfinance program by BAZNAS, making it easier for them to promote the business products they produce
The impact of the COVID-19 pandemic on financial report MSMES business practices: A phenomenological analysis Harun Alrasyid; Abdul Malik; Sultan Sultan
Review of Management, Accounting, and Business Studies Vol. 4 No. 1 (2023)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v4i1.4852

Abstract

This study delved into the repercussions of the COVID-19 pandemic on the Financial Statements and Business Practices of Micro, Small, and Medium Enterprises (MSMEs) in Palopo City. Utilizing a qualitative phenomenological approach within an interpretive paradigm, the study involved 3 business owners, 1 consumer, and 1 government representative as informants. Data collection methods included interviews, observation, and documentation. The interactive data analysis method, encompassing data reduction, presentation, conclusion, and verification, was employed. The findings indicated a profound impact of the COVID-19 pandemic on the financial reports and business practices of MSMEs. There was a substantial reduction in turnover across various MSME sectors, particularly affecting wholesale and retail traders, food and beverage, and tourism. According to LIPI's P2E data, micro food and beverage businesses experienced a 27% impact, small businesses at 1.77%, and medium-sized businesses at 0.07%. The study highlighted the pandemic's effects on MSMEs, including decreased sales, income reduction, employee cuts, weakened purchasing power, and increased expenditures.
Co-Authors Andi Syarifah Wahdah Harun Alrasyid Jasri, Jasri Muhammad Ridwan Sultan Sultan