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Journal : Journal of Business Management and Economic Development

Empowering Micro and Small Enterprises through Interest-Free Credit: Lessons from Kredit Kukar Idaman Aini, Aini; Surahman, Surahman; Prayogi, Erwin; Prapdopo, Prapdopo; Kiswanto, M.
Journal of Business Management and Economic Development Том 3 № 01 (2025): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v3i01.1451

Abstract

Traditional market traders in developing economies often face significant financial challenges, including limited access to formal credit and dependency on high-interest informal loans. This study evaluates the Kredit Kukar Idaman (KKI) program in Kutai Kartanegara, Indonesia, an initiative providing interest-free loans to empower micro and small enterprises (MSEs). Employing a mixed-methods approach, data were collected through surveys, interviews, and focus group discussions with 81 market traders. Results reveal that KKI substantially enhanced financial stability, with 87% of participants reporting increased working capital and 62% expanding their business operations. However, barriers such as limited awareness, administrative complexities, and inadequate digital skills hinder program accessibility and efficiency. Comparisons with global best practices highlight the need for integrated capacity-building measures, including financial literacy training and digital adoption initiatives. The study concludes that while KKI demonstrates the potential to foster economic resilience and market competitiveness, addressing implementation challenges is critical for its long-term sustainability. This research contributes to the discourse on inclusive credit policies and provides actionable insights for policymakers aiming to optimize similar programs.
Implementation of Critical Path Method (CPM) in Project Management of Type 45 House Construction in Samarinda Ningsih, Armini; Surahman, Surahman; Ariani Aisyiah, Septi; Syahara, Adelia; Bayhaqi, Achmad
Journal of Business Management and Economic Development Том 3 № 02 (2025): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v3i02.1657

Abstract

Project management is a very important area to ensure that projects are successful, especially in terms of achieving their goals on time, within budget, and to the set quality.  With a focus on planning, organizing, executing, and controlling projects, this study aims to examine how project management principles are applied in the implementation of construction projects in Indonesia. The method used was descriptive qualitative, and data were collected through literature research and documentation. The results showed that the understanding and application of project management methods such as Critical Path Method and cost and time control approaches have a great impact on project efficiency and efficiency.  Therefore, it is highly recommended to improve management skills as well as the use of information technology in project management to improve overall project performance.
Comprehensive Analysis of Business Catering Samarinda’s Business Feasibility to Assess Its Potential and Sustainability Mauliahasmi, Siti; Arbaiyah, Arbaiyah; Alimi, Darren Kaleb; Surahman, Surahman; Wibowo, Rahmawati Idha
Journal of Business Management and Economic Development Том 3 № 03 (2025): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v3i03.2002

Abstract

This study aims to analyze the feasibility of a catering business in Samarinda by reviewing four main aspects, namely marketing, operations, legality, and finance. The background of this study is based on the increasing trend of culinary businesses in Indonesia that utilize digital marketing strategies as the main means of expanding their market reach. The research method uses a mixed method approach, namely qualitative and quantitative. The qualitative approach was used to analyze business strategies, operational activities, and the implementation of business legality, while the quantitative approach was applied to assess financial feasibility through the indicators of NPV, IRR, PP, and BEP. The results show that the business is feasible with a positive NPV of IDR 264,833, an IRR of 14.60%, a payback period of 2.3 years, and a BEP at 58% of production capacity. In addition to being financially feasible, this business has also fulfilled legal aspects through the establishment of the business entity and the ownership of an NIB and NPWP. This study emphasizes the importance of integrating digital marketing strategies with business feasibility analysis to create a competitive, innovative, and sustainable culinary business in the competitive digital era.
Co-Authors 'Azizah, Naila Nur Abd Rasyid, Suardin Abd. Mutalib, Nurhasna Abisha, Dziqry Irga Achmad, Khamsiah Adyatama, Bagus Prayoga Anggun Agriyanti, Lutfita Syifa Aguspriyan, Yani Ahiri, Jafar Ahmad, Asria Wahyuni Ahmad, Khamsiah Ahmad, Miqdad Daly Aini, Aini Aisyayah, Wulan Nur Aldi Pebrian Ali, Mardhatillah Alimi, Darren Kaleb Alimudin Alimudin, Alimudin Almatirahasti, Almatirahasti Amanda Miranti, Amanda Amiruddin Hatibe Amiruddin, Ayu Cahyani Anatasyah, Clerine Clarisa Andayani, Ana Andi Intan Purnamasari Annurahman, Annurahman AR , Muslim Arbaiyah, Arbaiyah Ardiani, Novita Ariani Aisyiah, Septi Arif Firmansyah Arista, Virandra Adhe Ariyanti, Ema Wahyuni Asri Lasatu ASTI AINI, ASTI Aulia, Rahmah Athaya Aziza, Miftah Azizah Azizah Azizah, Amiril Azriyal, Raul Maulid Baehaqi Bakrian, Muhammad Jefri Barus, Bela Batoteng, Gloria Adelaide Batoteng, Hendrik Bayhaqi, Achmad Betteng, Friska Wanda Budiman, Ardiyan Damayanti, Nunung Dana, Robin Danugraha, Whil Darmawansyah, Trisna Taufik Dewi Tureni Dewi, Nanda Fitria Diah, Ahyar M. Dianasari Dianasari, Dianasari Dini Amalia, Dini Dirgantari, Firza Andhika dwi hidayati Dwiyanti, Septiani Anggun Edwarsyah Edwarsyah, Edwarsyah Elisya, Yetri Elviandri, Elviandri Enny Kartini Ety Parwati F. Athoya, Muhammad Fadhilah Rahmah MS, Dhinda Faradilah, Nis Fatiya, Nasywa Nur Fauji, Robby Febrianti, Nadya Febriyandi, Hardiki Fitria, Umi Fitriyani Fitriyani Gathot Winarso, Gathot Ginting, Devica N. BR. Gunawan Arifin H. Rabbani, Ihwan Haluma, lisnawati Hamdan Rampadio Hapzi Ali Harianto Harianto Harmita Harmita, Harmita Hasbi, Fatwa Hasmiati, Rahmtullah Ayu Hastuti, Putri Widya Herina, Herina Herlina Herlina Heru Cahyono Hi. Iksan, Kusdi I Nengah Putra Idha Wibowo, Rahmawati Indra Setiawan Indri Astuti Inggrid, Queen Irawan, Imelda Irwan Abdul Kadir Jambunanda, Ahmad Jamaludin Junaedi Junaedi Kadek Hariana Kaidati, Bahar Karima, Azizah Khusnul Karman, Amirul Karman, M. Amirul Kartina, Desi Khaerudin , Khaerudin Khairidawati, Rosa Kholik, Sadam Khotimah, Haniifah Husnul Kintani, Aninda Kiswanto, M. Lestari, Indriyani Dewi Lestari, Nova Hermina Lies Indriyatni LUKMAN, LUKMAN M. Mariajang, Jamaludin M. Taufiq Ramadhan Mahardhani Wahyu A Maihan, Andhika Auliya Manessa, M.D.M. Manga Patila Martini Djamhur, Martini Maryani Hartuti, Maryani Mas'adi, Mas'adi Masitoh Masykuroh, Nihayatul Maula, Hajir Bahrun Mauliahasmi, Siti Mesrawaty Sabar Molawan, Geyshita Nadya MUAINI, MUAINI Muhamad Asvial Muhammad Muhammad Muhammad Nurcholis Alhadi Muja'hidah, Muja'hidah Mukminati, Mukminati Mulyana Mulyana Mutmainnah, Ainun Nabila, Bebi Nabilah Nabilah Nadila, Nadila Najamuddin Najamuddin, Najamuddin Nanin Anggraini, Nanin Nashrullah, Nashrullah Nendrawan, Oval Ngazis, Muhammad Nida Hasanati, Nida Ningsih, Armini Ningsih, Ni Komang Ayu Nirmala, Oktastika Badai Novianda, Dea Salsa Nurcholis, Muhammad Nurfadilla, Sofi Nurhayati Mardin Nursyabilla , Adinda Nurtiara, Nurtiara NURUL ANNISA Okseriama Patresia Tulak Padillah, Ahmad Pahriadi Patimah Patimah Pebrian, Aldi Prapdopo, Prapdop Prapdopo, Prapdopo Pratama, Gama Pratama, Rely Anto Pratama, Ryan Andhika Prayogi, Erwin Puspita, Nanda Pustpita, Aulia Oktaviani Putri, Adila Aisyah R, Amanda Nafatasya R. R. Iskandar, Hikmahijriya Rachman, Karenina Aulia Radityatama, Yosafat Henry Rahma, Dewi Rahmadhani, Adestya Rahmat Bakri Rahmat Saptono, Rahmat Rahmatullah Ayu Hasmiati Rahmayanti, Nor I. Rakha Al-Hakim Gobel raoda, sri rahmawati RATU HUMAEMAH, RATU Riani, Syeha Filna Rio Arif Pratama Ritman Ishak Paudi Riyadi Subur, Riyadi Riyani, Ade Rizal Rizal Rizky, Mifftahur Rouw, Aquilda Royke Deksino, George RR. Ella Evrita Hestiandari Rumagia, Faisal Rusliansyah Rusliansyah S. Ayu, Nandika Safitri, Zafira Salsabila, Amanda Putri Samsurizal, M. Sulaeman Sanjaya, Aurel Frisky Sanusi Sanusi Saputri, Amanda Aprillia Saputri, Yuni Sari, Anggun Regeta Sarlivia, Sarlivia Satryawati, Satryawati Setiadi, Rezki Metha Setiawan, Kuncoro T. Sihabudin Sihabudin, Sihabudin Siska Wulandari, Siska Sisriawan Lapasere Siti Nur Aisyah Sri Wahyuni Sudirja, Dede Sugeng Hariyadi, Sugeng Sumbung, Putri Supriyadi Supriyadi Suramli, Suramli Susanti Wahyuningsih, Susanti Syachdin, Syachdin Syahara, Adelia Syelah Biring Tasik S Taeran, Imran Takulo, Megawati Taryanto, Taryanto Tsalis, Khodijah Nur Ulandari, Vina Uraysalam, Uraysalam Verliani Dasmaran Vicky A Nugroho Vidhiyanty, Putri M. Wardana, Fendi Indra Warnweri, Warnweri Wibowo, Rahmawati I. Wibowo, Rahmawati Idha Widyatmi Anandy Wijaya, Nanang Wikanti Asriningrum, Wikanti Wulan Nurfitriani Yosefine Triwidyastuti Yuliana Yuliana Yulianawati, Dewi Yulianingrum, Aulia Vivi Yulianingrum, Aullia Vivi Yuni Rahmawati Yusdin Gagaramusu