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The Effect of Sharia Financial Access & Financial Literation to Non-Bankable MSME’s Growth Mutiara Savitri, Fania; Maulana, Asep Suraya; Perwita, Atika Dyah; Saptana, Saptana
Velocity: Journal of Sharia Finance and Banking Vol 1 No 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1080.658 KB) | DOI: 10.28918/velocity.v1i2.4606

Abstract

A number of Islamic financial institutions able to provide non-bankable requirement by limiting loan plafond in order to reduce credit risk. That condition can hamper Micro Small Medium Enterprise (MSME)’s growth. This is proven by only 13.21% of MSME that only have been served by obtaining access to Islamic finance. Study about MSME’s Growth have general purpose to analyze interaction between Financial Literacy and Sharia Financial Access to Finance to MSME’s Growth. This study adopted quantitative research design and used Structural Equation Model (SEM) analysis method by SmartPLS 3.0 to run the data. Population in this research was all MSME’s actor in Semarang that put 100 samples contributing in this research by convenience technique. The finding of the research found Financial Literacy and Access to Sharia Finance affect performance, Financial Literacy affects Access to Sharia Finance and financial Literacy cannot be mediator for the relationship between Access to Sharia Finance to MSME’s growth.
Customers Satisfaction of Port Services Hunimua Central Maluku Tanasale, Charlene Cleopatra; Saputro, Soemino Eko; Solikin, Solikin; Saptana, Saptana; Febriyanti, Febriyanti; Maemunah, Siti
Jurnal Manajemen Transportasi & Logistik (JMTRANSLOG) Vol. 10 No. 2 (2023): Juli
Publisher : Institut Transportasi dan Logistik Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54324/j.mtl.v10i2.1070

Abstract

The aim of the research is to identify the factors that influence the satisfaction level of the Hunimua (South Maluku, Indonesia) crossing port service users. The study analyzes service performance on the level of service user’s satisfaction and customers’ loyalty at Hunimua ferry port. The study wants to find out the safety and security procedure in crossing transportation. The government stipulates minimum service standards for crossing transportation through Ministerial Regulations. The method used was Quantitative approach with a total sample of 100 passenger population at Hunimua ferry port after calculated using Slovin formula. The research used Path Analysis method. The results of the study indicate that the service performance has a positive and significant effect on customers’ satisfaction and loyalty by maintaining the quality service performance to meet the customers’ satisfaction. Customers’ interests have positive and significant effect on customers’ satisfaction and loyalty. Quality influences customers’ satisfaction and loyalty that could be traced from employees’ time to respond to customers appropriately, a sense of security during contact with staff, patience, company attention and understand the customers’ need. The variable of customers’ satisfaction could mediate the service performance and customers’ interest in customers’ loyalty.
AKSI KOLEKTIF PETAMBAK UNTUK MENINGKATKAN EFISIENSI USAHA BUDI DAYA UDANG DI TAMBAK TRADISIONAL Zulham, Armen; Sumaryanto, Sumaryanto; Saptana, Saptana; Permana, Dadan; Iman Santoso, Ali Rahmat
Buletin Ilmiah Marina Sosial Ekonomi Kelautan dan Perikanan Vol 11, No 2 (2025): DESEMBER 2025
Publisher : Research Center for Marine and Fisheries Socio-Economic

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15578/marina.v11i2.16551

Abstract

Budi daya udang di tambak tradisional telah menggunakan input komersial. Usaha ini belum menerapkan cara budi daya yang baik (CBIB), sehingga permasalahan produktivitas dan inefisiensi bepotensi terjadi. Dengan data hasil wawancara dari 182 petambak di Brebes, Lampung Selatan dan Indramayu (Mei - Agustus 2024), penelitian kuantitatif dengan metoda statistik deskriptif dan Stochastic Frontier Analysis ini bertujuan: menganalisis karakteristik, produktivitas, kinerja ekonomi, dan faktor inefisiensi budi daya udang menggunakan Software STATA 15. Temuan penting adalah: R/C rata-rata (2,7), tertinggi Brebes (3,1), Indramayu (2,5) dan Lampung Selatan (2,2). Monokultur udang menghasilkan pendapatan tertinggi (Rp57,17 juta/ha/siklus), polikultur bandeng (Rp56,56 juta/ha/siklus). Praktek penjarangan sekali, kolam tandon, pembuangan limbah teratur, dan sumber air dari sungai meningkatkan produktivitas. Namun, budi daya udang yang lokasinya jauh dari rumah dan jalan utama, mempunyai banyak petak efisiensinya rendah. Sebaliknya, semakin tinggi tingkat pendidikan, pengalaman petambak, modal yang memadai, luas tambak > 1 hektar, dan kepuasan petambak terhadap kelompok, meningkatkan efisiensi. Mengatur pemanfaatan petak tambak dalam berproduksi mampu mengatasi inefisiensi. Aksi kolektif bertujuan memperbaiki inefisiensi dan mendorong CBIB. Aksi ini dilakukan melalui pelatihan, pengadaan input, konsolidasi petak tambak untuk tandon air dan instalasi pembuangan limbah (IPAL). Federasi lintas wilayah dan tim teknis diperlukan untuk pencegahan penyakit udang. Korporasi untuk konsolidasi manajemen usaha perlu dibentuk agar tercapai skala ekonomi. Pemerintah diharapkan mendukung aksi kolektif ini agar pelatihan, dan CBIB dapat diwujudkan, sehingga budi daya udang menggunakan air yang berkualitas, dan budi daya itu bebas penyakit. Aksi kolektif peningkatan kapasitas petambak dapat mendorong perbaikan inßastruktur, membangun akses terhadap modal sehingga meningkatkan daya saing dan keberlanjutan usaha.TITLE: COLLECTIVE ACTION OF BRACKISHWATER FARMERS TO ENHANCE THE EFFICIENCY OF SHRIMP CULTIVATION IN TRADITIONAL BRACKISH WATER PONDSShrimp farming in traditional ponds has already utilized commercial inputs. However, this activity has not yet implemented good aquaculture practices (CBIB), which is likely to lead to productivity and eflciency issues. Using interview data from 182 shrimp farmers in Brebes, South Lampung, and Indramayu, this quantitative study, employing descriptive statistical methods and Stochastic Frontier Analysis, aims to analyze the characteristics, productivity, economic performance, and ineflciency factors of shrimp farming using Stata 15. Key findings are: R/C ratio averages 2.7, with the highest in Brebes (3.1), Indramayu (2.5), and South Lampung (2.2). Monoculture shrimp culture is the most income-generating (Rp57.17 million/ha/cycle), followed by milkfish polyculture (Rp56.56 million/ha/cycle). Productivity-enhancing technologies are single thinning, reservoir ponds, periodical waste removal, and river water use. However, shrimp farms located far from the farmer’s residence and main roads, and with many plots, tend to be less eflcient. On the other hand, higher levels of education, greater farming experience, suflcient capital, pond areas over 1 hectare, and farmer satisfaction with their groups improve eflciency. Managing the use of pond plots for production can overcome ineflciencies. Collective action aims to address ineflciency and promote CBIB. This action is implemented through training, procurement of inputs, consolidation of pond plots for water reservoirs, and the establishment of waste- disposal installations (IPALs). Cross-regional federations and technical teams are needed to prevent shrimp disease. Business management consolidation corporations should be formed to achieve economies of scale. The government needs to encourage this group action to achieve training and CBIB adoption, so that shrimp farmers can use quality water and remain disease-free. Collective capacity-building efforts among farmers can also promote infrastructure improvements, build access to capital, and thereby enhance competitiveness and business sustainability.