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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Gema Ngabdi
Sri Wahyulina
Fakultas Ekonomi dan Bisnis, Universitas Mataram
Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Pengembangan Budidaya Tanaman Holtikultura Organik Sebagai Salah Satu Atraksi Agrowisata Di Desa Lingsar Sri Wahyulina; Sarifudin Sarifudin; Muhamad Akhyar; Embun Suryani
Jurnal Gema Ngabdi Vol. 4 No. 2 (2022): JURNAL GEMA NGABDI
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jgn.v4i2.270

Abstract

Lingsar Village is one of the villages in West Lombok Regency that has the potential to develop agro-tourism because 53% of its area consists of agricultural areas and fruit plantations. For this reason, Lingsar Village has great potential to develop organic horticultural plant cultivation which can be packaged as an agro-tourism attraction. This activity is expected to be one of the efforts to empower the community based on the creative economy and can contribute to increasing people's income. Currently, agricultural activities carried out by the people of Lingsar Village are only routine activities to plant on their land or land they rent. Agricultural activities in Lingsar Village are only carried out traditionally and conventionally so that they have not been able to have a significant impact on improving the welfare of the village community. For this reason, this activity aims to develop horticultural cultivation based on organic fertilizer with a touch of technology, which is then packaged so that it can become an agro-tourism attraction. The target to be achieved from this activity is the increasing capacity of the community to manage the potential of agro-tourism that is owned by being creative so that it can become an attraction for tourists. To achieve this target, the approach model used is Participatory Rural Appraisal (PRA) which emphasizes community involvement in all activities starting from planning, implementing and evaluating programs. This activity consists of three activities, namely counseling, demonstration plots (demonstration plots), and assistance in cultivating horticultural crops based on organic fertilizers and packaging them into agro-tourism attractions. The target group of this activity is the Millennial Farmer Group in Lingsar Village.
Akses Usaha Kecil dan Mikro (UKM) terhadap Kredit Usaha Rakyat (KUR) dan Dampaknya terhadap Perkembangan Usaha: Kasus UKM di Kota Mataram Embun Suryani; Sri Wahyulina; Siti Aisyah Hidayati
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 5 No. 2 (2019): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (580.285 KB)

Abstract

Small and Micro Enterprises (SMEs) have a significant role for Indonesia's gross domestic product and employment. However, most SMEs face capital constraints and limited access to formal financial institutions. Kredit Usaha Rakyat (KUR) Fund is one of the credit programs established by the Indonesian Government to overcome capital constraints on SMEs. The study aims to analyze the ability of SMEs to access the KUR loans and the loan’s impact on business development. Primary data was obtained from interviews of 40 respondents who are SMEs in Mataram City. Ability to access the KUR loans was analyzed by logistic regression method while Ordinary Least Square (OLS) was employed to analyze the impact of KUR loans on business development. The result of logit regression shows that the variable of savings and sales influence the ability of SME to access the KUR loan. The KUR funds granted are able to increase SME's sales value by 82.03 percent from 3.47 billion rupiah to 6.31 billion rupiah per year. Based on the OLS analysis, the ability of SMEs to access capital derived from KUR funds has a positive and significant impact on the value of SME business development.
PENGARUH FINANCIAL ATTITUDE DAN FINANCIAL KNOWLEDGE TERHADAP KEPUTUSAN KEUANGAN PADA PEMILIK USAHA KECIL DAN MENENGAH (UKM) DI PULAU LOMBOK: SUATU PERSPEKTIF BEHAVIORAL FINANCE Siti Aisyah Hidayati; Sri Wahyulina; Embun Suryani
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 6 No. 2 (2020): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (915.989 KB)

Abstract

This study aims to analyze the effect of Financial Attitude and Financial Knowledge on financial decisions on Small and Medium Business Owners (UKM) on Lombok Island. The theoretical contribution of this research is expected to contribute to science and the development of behavioral finance theories related to financial decision making in Small and Medium Enterprises (SMEs). It is also expected that behavioral finance will be the subject of financial management courses. Furthermore, the practical contribution of this research is expected to provide input, suggestions and recommendations to the policy maker of the NTB Provincial Government in making policies related to the development of SMEs. This research is a quantitative approach based research, with the type of explanatory research. The study population is all SMEs in the island of Lombok. The sampling technique is done by using Non probability sampling, which uses judgment sampling, which is choosing SMEs that are engaged in the pottery industry and have already exported. From the existing population, there are 35 (thirty-five) SMEs that can be taken as samples. Respondents in this study are the owners of each of these UKM. Data collection techniques used in this study were using a questionnaire. To achieve research objectives and hypothesis testing, the data obtained will be processed according to needs using GSCA (Generalized Structured Component Analysis) statistical tools. The results showed that Financial Attitudes had a positive and significant effect on financial decision making by SME owners and owners. This means that the better the Financial Attitudes owned by SME owners, the bolder they are in making financial decisions. Financial Knowledge has a positive and significant impact on financial decision making by SME owners and owners. This means that the better the Financial Knowledge possessed by SME owners, the bolder the financial decisions will be.
Co-Authors Muhamad Akhyar Sarifudin Sarifudin Siti Aisyah Hidayati Suryani, Embun