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DAMPAK PEMBIAYAAN MIKRO DAN PEMAHAMAN FINANSIAL TERHADAP KESEJAHTERAAN PELAKU UMKM OPAK GAMBIR MELALUI PERFORMA UMKM Rahmawati, Ana; Sugiono, Sugiono; Forijati, Forijati
Jurnal Education and Development Vol 13 No 3 (2025): Vol 13 No 3 September 2025
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37081/ed.v13i3.7454

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran yang sangat vital dalam menunjang pertumbuhan ekonomi nasional, khususnya di daerah. Penelitian ini bertujuan untuk mengkaji sejauh mana pengaruh pembiayaan mikro dan pemahaman finansial terhadap kinerja UMKM serta implikasinya terhadap taraf hidup pelaku usaha di sentra produksi Opak Gambir Desa Bulu, Kecamatan Semen, Kabupaten Kediri. Meskipun UMKM menjadi sektor penting, mereka masih menghadapi hambatan seperti keterbatasan akses modal dan rendahnya literasi keuangan. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain survei eksplanatori. Sampel berjumlah 70 responden dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan pendekatan Partial Least Squares Structural Equation Modeling (PLS-SEM) untuk menguji hubungan antar variabel. Hasil penelitian menunjukkan bahwa pembiayaan mikro berpengaruh signifikan dan positif terhadap kinerja UMKM, sementara literasi keuangan juga memiliki pengaruh signifikan meskipun kontribusinya lebih kecil. Kinerja usaha terbukti memberikan pengaruh positif terhadap kesejahteraan pelaku UMKM. Pengaruh langsung literasi keuangan terhadap kesejahteraan lebih dominan dibandingkan melalui kinerja. Nilai R² kesejahteraan sebesar 0,762 dan R² kinerja sebesar 0,658 mengindikasikan bahwa ketiga variabel ini memiliki kontribusi yang kuat terhadap kesejahteraan pelaku usaha. Temuan ini menegaskan pentingnya peningkatan akses pembiayaan dan edukasi keuangan untuk memperkuat performa usaha dan meningkatkan kesejahteraan UMKM.
Diklat Literasi Pengelolaan Keuangan Masjid Berbasis ISAK 35 Bagi Remaja Masjid di Kediri Jawa Timur Anas, M.; Forijati, Rr.; Sugiono, Sugiono; Muchson, Mochamad; Subagyo, Subagyo; Yuliani, Tri
Jurnal Pengabdian UNDIKMA Vol. 5 No. 2 (2024): May
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v5i2.10406

Abstract

This service activity aims to increase literacy in mosque financial management for Remas in Kediri City as a component of mosque management so that mosque financial reporting has adequate accountability. The method of implementing this service uses training (tutorials and assignments). The evaluation instrument for this activity used a pre-test and post-test and was analyzed using the SPSS Version 23 application. The results of this service show that the training participants' mosque financial management literacy competency increased significantly. The average participant score before participating in the training was 54.33, increasing to 68.67. The results of statistical tests using the Paired Sample Correlations produced a figure of 0.000, which also means that the P-value (sig.) < 0.025. Thus, it can be concluded that there is a significant difference in participants' competency in terms of mosque financial management literacy before and after training was implemented. The relationship between the test results before and after training showed a fairly large level of relationship/correlation, namely 0.830 or 83%.
IMPLEMENTASI KURIKULUM MERDEKA BELAJAR DALAM PEMBELAJARAN ILMU EKONOMI PADA SISWA KELAS X SMA NEGERI 1 DURENAN Miswanto, Miswanto; Forijati, Forijati; Subagyo, Subagyo
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14709

Abstract

To achieve desired results, it is also important to give instructors and students the freedom to develop, discover, and learn on their own. Each school responds to the independent curriculum differently; SMA Negeri 1 Durenan is one of the schools that has succeeded in implementing the curriculum well. The objectives of this research are to: (1) Describe the approach taken in implementing the independent curriculum at SMA Negeri 1 Durenan; (2) Describe the factors that facilitate and hinder the implementation of the independent curriculum at SMA Negeri 1 Durenan; and (3) Describe the impact of implementing an independent curriculum at SMA Negeri 1 Durenan. This research uses descriptive qualitative with interview methods, mile huberman model observation. Data analysis using the data poleulation method. Research findings include: (1) strategies for implementing the independent curriculum at SMA Negeri 1 Durenan; a) internal training workshops; b) workshop on the application of differentiated learning; and c) Project for Strengthening the Profile of Pancasila Students (P5). (2) Inhibiting variables include internal factors originating from student motivation and attitudes and originating from school facilities, while external factors originate from parental support. Supporting elements include the availability of human resources (HR) and supporting digital access. (3) The impact on educators—both principals and instructors, includes creativity, two-way communication that fosters a mindset of readiness to learn, and the search for original ideas. The impact on students, on the other hand, is to concentrate on learning the subject at hand.
Koperasi Untuk Kesejahteraan Bersama Di Desa Bulu Kecamatan Semen Kabupaten Kediri Irmayanti, Elis; Arifin, Zainal; Afandi, Tjetjep Yusuf; Surindra, Bayu; Prastyaningtyas, Efa Wahyu; Forijati, Rr.; Anas, M; Muchson, M
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 1 No 1 (2017): Volume 1 Nomor 1 Tahun 2017
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (174.724 KB) | DOI: 10.29407/ja.v1i1.11723

Abstract

Permasalahan yang dihadapi di Desa Bulu dalam pembentukan Koperasi adalah kurangnya informasi yang memadai serta lengkap mengenai pembentukan koperasi yang sesuai dengan aturan pemerintah, kurangnya modal koperasi, dan kurangnya pengetahuan mengenai penyusunan laporan keuangan juga menjadi kendala setelah pembentukan koperasi. Artikel ini dimaksudkan untuk Meningkatkan pemahaman mengenai tata cara dalam pembentukan koperasi simpan pinjam, meningkatkan kesadaran masyarakat tentang pentingnya berkoperasi, membentuk koperasi yang dapat memberikan manfaat lebih kepada warga masyarakat dan dapat berkembang dengan maksimal untuk meningkatkan perekonomian atau kesejahteraan warga. Pelaksanaan pengabdian masyarakat di Desa Bulu Kec. Semen Kab. Kediri menggunakan metode penyuluhan dan pelatihan yang terjadwal. Dari penyuluhan tersebut disepakati bersama bahwa: Warga Desa Bulu sepakat untuk membentuk Koperasi Simpan Pinjam, warga masyarakat yang berhak masuk anggota koperasi sementara dibatasi hanya satu RT saja yaitu RT 01, RW 03 Dusun Bulusan, dengan pertimbangan untuk memudahkan koordinasi penagihan simpanan pokok, simpanan wajib dan pinjaman. Anggota koperasi bisa diperluas apabila laporan keuangan koperasi sudah stabil. Anggota koperasi Barokah sampai dengan 6 September 2017 sudah tercatat sebanyak 40 anggota, simpanan pokok sebesar Rp. 50.000,-, simpanan Wajib sebesar Rp. 5.000,-, besarnya pinjaman sebesar RP. 500.000,-, lamanya angsuran sebanyak 5x atau 5 bulan. Bantuan yang diberikan Prodi pendidikan Ekonomi kepada Koperasi Barokah berupa: Bantuan Modal Awal sebesar Rp. 1.000.000,-, bantuan kwitansi tercetak untuk penerimaan Kas masuk dan Pengeluaran Kas keluar, buku Kas masuk dan Kas Keluar, stempel Koperasi Barokah, buku anggota, bantuan penyusunan laporan keuangan koperasi mulai dari terbentuknya koperasi, bulan Februari sd 31 Desember 2017, berupa Laporan Laba/rugi, Neraca, Laporan perubahan modal, dan Laporan pembagian SHU (On going), bantuan pendampingan RAT ke-1, yang akan diselenggarakan antara bulan Januari – Maret 2018.
Pelatihan Digital Marketing Ibu Rumah Tangga Pelaku Usaha Mikro Di Kelurahan Pojok Kota Kediri Forijati, Rr.; Sugiono, Sugiono; Anas, M.; Muchson, Mochamad; Subagyo, Subagyo; Winarsih, Tri
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 6 No 3 (2022): Volume 6 Nomor 3 Tahun 2022
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v6i3.17040

Abstract

One of the roles of housewives in strengthening the economy is to open a business so that their household needs are fulfilled. However, business management that has been carried out so far is in a simple way, so efforts are needed on how to market their products so that they can survive in trade competition. The purpose of this service is to provide digital marketing training for housewives with training methods and accompanied by product photography training. Then the results that can be taken show that the potential of housewives actually has an influence on the household economy so that it is maintained. Digital marketing training for housewives in the Corner Village of Kediri is expected to help housewives who have businesses in optimizing technology and media to facilitate business in helping the economy, especially during the COVID-19 pandemic.
ANALISIS PENGANGGURAN DAN KESEMPATAN KERJA DI MASA PANDEMI COVID-19 Surindra, Bayu; Artantri, Martia Winda; Forijati, Rr.; Anas, M.
JPEAKU (Jurnal Pendidikan Ekonomi Akuntansi Kewirausahaan) Vol 1 No 2 (2021)
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (397.455 KB) | DOI: 10.29407/jpeaku.v1i2.16965

Abstract

Analisis pengangguran dan kesempatan kerja yang ada di Indonesia terutama pada masa pandemic covid19 merupakan tujuan yang ingin dicapai dalam penelitian ini. Metode penelitian dalam penelitian yang dilakukan kali ini yaitu dengan menggunakan analisis deskriptif, dimana data berasal dari data sekunder yaitu data yang sudah disediakan oleh BPS (Badan Pusat Statistik). Hasil penelitian yaitu 1) Tingkat pengangguran terbuka berdasarkan jenis kelamin dominasi oleh laki-laki dari pada perempuan dari tahun 2018-2020; 2) Rata-rata pengangguran terbuka yang ada di Indonesia pada terutama pada bulan februari di tahun 2020 tingkat pengangguran sebesar 4,92% meningkat menjadi 6,26% pada tahun 2021; 3) Jumlah pengangguran pada bulan agustus 2019 dan agustus 2020 mengalami peningkatan sebesar 1,84%; 4) Proporsi lapangan pekerjaan informal pada sector non-pertanian berdasarkan pada kelompok umur mengalami peningkatan dari tahun 2019 meningkat pada tahun 2020 sebesar 4,73%; 5) Proporsi lapangan kerja informal sector non-pertanian didominasi oleh jenjang pendidikan < SD dengan rata-rata dari tahun 2017-2019 sebesar 66,22%, sedangkan tingkat pendidikan universitas untuk bekerja di lapangan kerja informal jumlahnya cukup rendah yaitu dari tahun 2017-2019 rata-ratanya sebesar 11,20%; dan 6) proporsi lapangan pekerjaaan informal sector non-pertanian didominasi oleh daerah tempat tinggal pedesaan dengan rata-rata dari tahun 2018-2020 sebesar 54,67%, sedangkan untuk daerah perkotaan yang kerja informal sector non-pertanian lebih kecil yaitu dari tahun 2018-2020 rata-ratanya sebesar 41,15%.
PENGEMBANGAN INOVASI PEMBELAJARAN EKONOMI MIKRO DENGAN MODEL ADDIE FORIJATI, Rr.; ANAS, M.; ROSIDHAH, ENY
Prosiding Seminar Nasional Manajemen, Ekonomi dan Akuntansi Vol. 5 No. 1 (2020): PROSIDING SEMINAR NASIONAL MANAJEMEN, EKONOMI DAN AKUNTANSI 2020
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study is to develop learning innovations in Microeconomics courses with the ADDIE model. The steps in this learning are 1) analysis, design, development, implementation and evaluation. Microeconomic learning innovation is a learning tool consisting of: Lesson description, brief lesson plans, essential questions, learning concepts, standard learning content, learning objectives, time required, materials and teaching aids, preparation, implementation of learning. The method used in this research is the ADDIE model development method with 6 validators consisting of 2 learning design validators, 2 scientific validators and 2 learning technologies validators. Data were analyzed using descriptive qualitative and quantitative analysis. The results of the learning design expert test assessed that the microeconomic learning innovation on qualifications was good, the results of the scientific field test showed that the microeconomic learning innovation on the qualifications was very good. The results of the learning model test on good qualifications. Qualitatively it can be concluded that microeconomic learning innovations can be used for the teaching and learning process. From the results of the field test the use of microeconomic learning innovations shows good qualifications.
Peran Sistem Pengendalian Internal Dalam Meningkatkan Akuntabilitas Pengelolaan Anggaran Pendapatan dan Belanja Desa di Kabupaten Kediri ANAS, M.; FORIJATI, Rr.; LIANAWATI, DIAN
Prosiding Seminar Nasional Manajemen, Ekonomi dan Akuntansi Vol. 5 No. 1 (2020): PROSIDING SEMINAR NASIONAL MANAJEMEN, EKONOMI DAN AKUNTANSI 2020
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze and test the elements of the internal control system consisting of control environment, risk control, control activities, information and communication, and monitoring of the accountability of the management of the Village Budget (APB Desa) in Kediri Regency. The data in this study are primary data obtained through a research instrument in the form of a questionnaire developed based on indicators on each element of the internal control system. The population of this research is in the form of villages in Kediri Regency with a total of 343 villages, while the sample of this study was determined that 103 villages were selected randomly (random sampling). Data analysis to test the research hypothesis was carried out with multiple linear regression models with the SPSS version-23 application. The results of the study state that empirically the control environment and control activities partially have a positive and significant effect on increasing the accountability of APB Desa management in Kediri Regency, while risk assessment, information and communication, and partial monitoring have no significant effect on increasing the accountability of APB Desa management in Kediri Regency. Simultaneously all elements of the internal control sistem have a positive and significant effect on increasing the accountability of APB Desa management in Kediri Regency.
Deep Learning and Inquiry Approach for Enhancing Learning Outcomes of College Students Mochamad Muchson; Irawan Hadi Wiranata; M Anas; Rr Forijati; Hariyono Hariyono; Herdian Tria Wulan Sari; Surya Ayu Azizah
Journal Evaluation in Education (JEE) Vol 7 No 2 (2026): April
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jee.v7i2.2644

Abstract

Purpose of the study: This study examines the effect of integrating Inquiry-based learning with a pedagogical Deep Learning approach on students’ learning outcomes in a Learning Planning course. Methodology: Employing a one-group pretest–posttest quantitative design, the study involved N = 50 undergraduate students from two teacher education institutions in East Java, Indonesia, involving Economics Education students from Universitas Nusantara PGRI Kediri and Universitas PGRI Mpu Sindok Nganjuk. The instructional intervention emphasized Inquiry activities aligned with Deep Learning principles mindful, meaningful, and joyful learning. Main Findings: Data were collected using a validated learning outcomes test administered before and after the intervention and analyzed through paired-sample t-tests. The findings indicate a statistically significant improvement in students’ learning outcomes, with mean scores increasing from 73.40 (pretest) to 84.80 (posttest), yielding an average gain of 11.4 points (p < 0.05). Novelty/Originality of this study: These results suggest that the integration of Inquiry-based learning and Deep Learning principles holds potential for enhancing pedagogical competence in Learning Planning courses within teacher education programs.
The Influence of Family Economic Education, Income, and Lifestyle on the Financial Management Behavior of Housewives in Balesono Village Elen Berliana Firdaus; RR. Forijati; Efa Wahyu Prastyaningtyas
Economic Education Analysis Journal Vol. 14 No. 3 (2025): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v14i3.28820

Abstract

This study examines the influence of Family Economic Education, Income, and Lifestyle on the Financial Management Behavior of Housewives in Balesono Village, Ngunut, Tulungagung. The population was about 940 housewives, with a sample of 280 randomly selected respondents (Slovin formula, α=5%). Using associative correlation quantitative methods and data analysis with SPSS 23.0, it was found that: (1) Family Economic Education had a significant effect; (2) Income has a significant impact; (3) Lifestyle has a significant effect; (4) The three variables (Family Economic Education, Income, Lifestyle) simultaneously have a significant effect on the Financial Management Behavior of Housewives in Balesono Village.