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Pelatihan dan Pendampingan Manajemen Pemasaran dan Keuangan Untuk Mendukung Kemandirian Ekonomi Santriwati Pondok Pesantren Nurus Sunah Edy Susilo; Nurhidayati Nurhidayati; Diah B Setiati
Jurnal Pengabdian Dharma Laksana Vol 5, No 2 (2023): JPDL (Jurnal Pengabdian Dharma Laksana)
Publisher : LPPM Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/j.pdl.v5i2.28106

Abstract

Pondok Pesantren Nurus Sunah yang  terletak di Jalan Bulusan Utara Raya No. 12 Semarang memiliki motto "Cerdas, Mandiri, dan Berkarakter" telah menyusun program- programnya  sesuai  harapan  dan tujuan yang ingin dicapai.  Dengan  "Cerdas"  lulusan  PPNS bertujuan agar memiliki  kompetensi  untuk dapat melanjutkan  pendidikan  yang lebih tinggi. Dengan "Mandiri" mereka memiliki life skill agar dapat memiliki usaha dan kemandirian dalam hidupnya, dan dengan "Berkarakter" memiliki prilaku dan sikap jujur, ulet, bertanggungjawab, berintegritas, disiplin, berkebangsaan, dan sebagainya. Santriwati di Pondok pesantren sudah dibekali life skill untuk mandiri dengan kemampuan berwirausaha. Selama ini mereka tidak dibekali untuk mengatur manajemen keuangan dan memasarkan barang. Tujuan dari Pengabdian kepada masyarakat ini adalah untuk memberi pelatihan dan pendampingan mengelola keuangan dan memasarkan barang dengan metode yang dilakukan adalah pelatihan langsung dan tutorial di lapangan. Hasil dari kegiatan ini adalah kemampuan memasarkan barang dengan lebih baik diantaranya melalui brosur, media online, dan Kartu nama. Para santriwati juga sudah bisa menyusun laporan keuangan sederhana seperti pembuatan buku kas, buku hutang / piutang dan laporan laba rugi serta buku – buku yang lain sesuai dengan usaha yang dilakukan.
MODELING OF FAILED RISK FACTORS AFFECTING ON NON PERFORMING LOAN TO MSME’S IN PANDEMIC COVID-19 Luhgiatno Luhgiatno; Rauly Sijabat; Aprih Santoso; Nur Laily; Nurhidayati Nurhidayati
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 6 No 4 (2022)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2022.v6.i4.5053

Abstract

The contribution of Micro, Small, and Medium Enterprises (MSME) performance has a strategic role as a buffer for the national economy. The economic crisis that has hit Indonesia several times, including during the COVID-19 pandemic, has hit the MSME sector, so the sector is no longer able to repay its loans. Even though at that time the MSME sector was working to fix the classic problems that hampered it is performance. Departing from this phenomenon, this study examines the results of previous studies to map five exogenous variables, namely debt character factors, financial factors, management factors, operational factors as well as market and marketing factors as explanatory variables that allegedly cause MSMEs to experience the risk of failing to pay credit which has an impact on the poor NPL. The results of the SEM analysis of data from 125 MSMEs in Semarang City affected by COVID-19 showed that the high risk of default experienced by MSMEs was caused by debt character factors, financial factors, management factors, operational factors, and poor market and marketing factors which then impact on increasing the NPL ratio.
Determination Of Debt Financial Behavior In Pandemic Covid-19 Aprih Santoso; Sri Yuni Widowati; Nurhidayati Nurhidayati
Jurnal Riset Manajemen dan Bisnis Vol 6 No 1 (2021)
Publisher : Lembaga Pengembangan Manajemen dan Publikasi Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (653.454 KB) | DOI: 10.36407/jrmb.v6i1.337

Abstract

This study examines the influence of attitudes, subjective norms and intentions on the behavior of taking credit for small entrepreneurs of Semarang city at the PANDEMI COVID 19. The population of this study includes all small entrepreneurs who take the Wibawa credit in the city of Semarang, amounting to 150 people. The number of samples is 60 people (based on the Slovin formula). The sample selection method is purposive sampling, with the following criteria: 1) small entrepreneurs taking credit for the first time. 2) small entrepreneurs already have families and still have dependents for school children.The analytical tools used are: validity test, reliability test, normality test, classic assumption test (multicolonierity test, heteroscedasticity test, multiple linear regression, hypothesis test (partial t-test and F test - Goodness of Fit test) and the coefficient of determination (R2 ). The results of this study indicate that financial literacy, subjective norms and intentions influence the financial behavior of small entrepreneurs in Semarang City at the PANDEMI COVID 19. The implication of this research is that implementing credit programs should not only focus on low interest rates, but also pay more attention to tenors. It is fitting for the involvement of non-government parties to be the focus of attention as another alternative in debt.