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An Empirical Analysis of Household Debt Behavior Determinants Herispon, Herispon
Economics and Finance in Indonesia Vol. 65, No. 2
Publisher : UI Scholars Hub

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Abstract

This study identifies the determinants of debt behaviors and their effects on household consumption. We surveyed households in Riau, particularly in Pekanbaru and its neighboring areas, using purposive sampling and collected 390 useable responses. Our findings show that of the ten determinants considered, debt behavior can be explained by five determinants: (i) imitated lifestyle and consumerism, (ii) ability to manage money from debt, (iii) effects of promotion on the internet and visual media, (iv) monthly income, and (v) increasing household expenses and dependants. Implications of the findings are discussed.
Pemanfaatan Digital Marketing Guna Meningkatkan Daya Saing Produk Usaha Mikro Pasca Pandemi Covid-19 Di Desa Tarai Bangun, Kampar, Riau Herispon, Herispon; Anuar, Saiful; Iskandar, Iskandar
IKHLAS: Jurnal Pengabdian Dosen dan Mahasiswa Vol. 2 No. 2 (2023): IKHLAS: Jurnal Pengabdian Dosen dan Mahasiswa
Publisher : Indra Institute Research & Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58707/ikhlas.v2i2.457

Abstract

The 1st edition of PKM Efficiency Digital Marketing activities was carried out in October 2020, and the 2nd Edition of PKM Utilization of Digital Marketing activities was carried out in February 2023, with the target still being home, micro and small businesses in Tarai Bangun Village, Tambang, Kampar, who continue to struggle, and reach to be able to increase the competitiveness of products post-pandemic covid 19 by utilizing developments in internet technology within the frame of digital marketing (digital marketing). The fact has spoken that digital marketing is a must to choose, if you want to expand your marketing area and keep your business going. The real benefit of digital marketing is the opportunity for penetration and wider market reach. So digital marketing is very possible to be done by home, micro and small businesses, especially in Tarai Bangun Village, Tambang, Kampar, Riau
The Impact of Pricing, and Product Quality on Purchasing Decisions: Role Digital Marketing as a Moderating Herispon, Herispon; Sudriana, Putri
International Journal of Islamic Business and Management Review Vol. 3 No. 2 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v3i2.808

Abstract

This study attempts to ascertain how factors related to product quality, competitive pricing, and digital marketing affect sales volume and how digital marketing modifies the relationship between sales volume and purchasing decisions at PT Sang Hyang Seri Marketing Branch Riau. In this study, information was gathered from 130 respondents via questionnaires, and SEM was used for analysis. Found that Digital marketing did not show any support when employed as a moderating variable between purchase decisions and sales volume, while all other variables studied had a substantial beneficial effect on purchasing decisions and sales volume, both concurrently and separately
The Impact of Work Discipline and Leadership on Teacher Performance Naimar, Naimar; Herispon, Herispon; Dzikra, Faira Medina
International Journal of Islamic Business and Management Review Vol. 4 No. 1 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v4i1.985

Abstract

Purpose–This study attempts to examine how the work discipline of teachers and the leadership of the principal affect the performance of teachers at the Al Huda Pekanbaru school. Methodology–Data was collected by teachers at Al Huda Pekanbaru school completing out questionnaires. 52 teachers at the Al Huda Pekanbaru school made up the study's population; each was a sample (saturated sample). Findings– Principal leadership and teacher performance were found to have a strong positive relationship and influence. Workplace discipline among teachers has a strong positive correlation with their effectiveness. The principal's leadership and the teachers' work discipline have a substantial positive relationship and impact on the teachers' performance. Novelty-there will be a positive tendency for teacher performance if the principal's leadership and the discipline of the teachers' work are both enhanced.
Pelatihan Pembuatan Sabun Cuci Piring Bagi Suku Sakai di Desa Libo Jaya Siak Riau Herispon, Herispon; Harwina, Yulia; Hendrayani, Hendrayani; Fachri, Rizqi; Yapentra, Arhipen; Anuar, Saiful; Kurniawan, Tengku Reza; Rofidah, Siti
Jurnal Pengabdian Masyarakat Akademisi Vol. 3 No. 1 (2024)
Publisher : Jurnal Pengabdian Masyarakat Akademisi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/jpma.v3i1.789

Abstract

Using the activity "training in making liquid dishwashing soap for women from the Sakai tribe in Libo Jaya Village, Kandis Siak, Riau with the aim of being able to use it themselves or sell it to support the family economy by making the best use of their free time filled with activities that are useful and have economic value" as part of the community service (PKM) program. The ladies of the Sakai tribe were the target of Community Service Activities (PKM) on July 26, 2023, pertaining to "Dish Washing Soap Making". The purpose of organizing this PKM is to encourage Sakai tribal women, disseminate information on the production of liquid dishwashing soap, and discuss ways to raise the economic standing of the family
The Pressure of the Covid 19 Pandemic, Digitalization, and the Classic Problems of MSMEs in Indonesia Herispon, Herispon; Anuar, Saiful
ADPEBI International Journal of Business and Social Science Vol. 3 No. 1 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (Adpebi)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijbs.v3i1.531

Abstract

This paper attempts to investigate the relationship between the COVID-19 pandemic and the digitalization of Micro, Small and Medium Enterprises (MSMEs), which is still widely discussed in various studies to date in the national economy. Using the method of literature study and descriptive analysis of the data collected. So in this study it can be shown that the covid 19 pandemic has relevance to accelerating the digitization of MSMEs, on the other hand MSMEs have difficulty getting away from problems with capital, location and place of business, business management, inconsistent behavior of MSMEs, marketing and target consumers, massive product innovation, scope simple thinking of MSMEs. The conclusion of the Covid 19 pandemic has accelerated the process of adopting digitalization or online services for MSMEs, so digitalization is crucial, especially during the pandemic
PELATIHAN MEMBUAT BAKSO TAHU KRISPI PADA IBU-IBU DI RT 01 RW 03 PERUMAHAN GRAHA BANGUN PERMAI, TARAI BANGUN, KAMPAR, RIAU Herispon, Herispon; Dehotman, Khornelis; Hendra, Teguh; Herman, Herman; Putra, Eka; Rahmat, Yogi
Jurnal Pengabdian Kompetitif Vol. 4 No. 1 (2025): Pemberdayaan Masyarakat dan UMKM melalui Inovasi, Pendidikan, dan Keuangan Digi
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/pengabdiankompetif.v4i1.2084

Abstract

The purpose of holding this Community Service (PKM) is to see the potential of housewives, especially in RT 01 RW 03 Graha Bangun Permai Housing, Tarai Bangun in supporting their family's economy, by carrying out activities that have economic value. Driven by the increasing needs of families from year to year, a solution must be found immediately, when the monthly income is not sufficient from the head of the family or husband, that is when the role of the housewife comes into play to help the family economy. This service method is carried out in the form of short training and simulations/demonstrations of the product objects that are made. The implementation of this PKM activity went according to expectations, and training in making crispy tofu meatballs could be carried out for the mothers who were the audience in this activity. After the PKM was held by lecturers from STIE Riau with the topic and product of making crispy tofu meatballs in RT 01 of the Graha Bangun Permai housing complex, inspiration was opened for a business that could help the family economy
Jula-Jula as a Model of Shariah-Compliant Microfinance: Community Practices in Rural Indonesia Herispon, Herispon; Anuar, Saiful; Jenita, Jenita
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v14i1.26106

Abstract

This study explores the indigenous Rotating Savings and Credit Association (ROSCA) known as Jula-Jula, as practiced in Tarai Bangun, a rural area in Riau Province, Indonesia. While exhibiting characteristics of global ROSCA models, Jula-Jula is deeply interwoven with the local cultural, social, and religious fabric. Employing a qualitative phenomenological approach involving observations, interviews with ten members and five collectors, and documentation, this research (i) identifies and describes the distinct operational models of Jula-Jula prevalent within the community and (ii) analyzes their economic, financial, and social ramifications through the lens of Islamic finance principles. The findings reveal three primary operational models based on contribution frequency—monthly, weekly, and daily—alongside two structural variations: Jula-Jula No Fee, which emphasizes mutual support without financial charges, and Jula-Jula With Fee, characterized by modest, transparent service fees mutually agreed upon to compensate collectors for logistical efforts. This study underscores the significant role of Jula-Jula in fostering financial inclusion, providing interest-free microfinance opportunities, and enhancing community resilience. These practices are found to be consistent with core Islamic economic tenets, including the prohibition of riba (interest), the promotion of maslahah (benefit), adl (justice), and ta’awun (cooperation). Ultimately, this research contributes to the ongoing discourse on ethical and community-driven financial systems, demonstrating the potential of localized Shariah-compliant models to complement or serve as alternatives to formal financial institutions in underbanked regions.========================================================================================================ABSTRAK - Jula-Jula sebagai Model Keuangan Mikro Syariah berbasis Komunitas di Indonesia. Penelitian ini mengkaji praktik Jula-Jula, sebuah model simpan pinjam bergilir (ROSCA) yang dipratikkan di Desa Tarai Bangun, Kampar, Riau, Indonesia. Sistem keuangan informal ini dikenal secara lokal sebagai Jula-Jula, memiliki kesamaan dengan praktik ROSCA global, namun terintegrasi secara mendalam dengan nilai-nilai budaya, sosial, dan keagamaan masyarakat setempat. Penelitian ini bertujuan untuk (i) mengidentifikasi dan mendeskripsikan model Jula-Jula yang dipraktikkan dalam masyarakat, dan (ii) menganalisis implikasi ekonomi, finansial, dan sosialnya dalam kerangka keuangan Islam. Data untuk penelitian ini dikumpulkan melalui observasi, wawancara, dan dokumentasi terhadap sepuluh anggota dan lima pengelola Jula-Jula dan dianalisis dengan pendekatan fenomenologi kualitatif. Hasil penelitian menunjukkan tiga model operasional—kontribusi bulanan, mingguan, dan harian—dengan dua tipe struktur utama: Jula-Jula Tanpa Biaya yang menekankan dukungan bersama tanpa imbalan keuangan, dan Jula-Jula dengan Biaya, yang menerapkan biaya layanan secara sukarela dan transparan untuk mendukung operasional kolektor. Studi ini menyoroti peran Jula-Jula dalam memperluas inklusi keuangan, menyediakan pembiayaan mikro tanpa riba, serta memperkuat ketahanan masyarakat. Praktik ini selaras dengan prinsip-prinsip ekonomi Islam, seperti larangan riba, penerapan maslahah, keadilan, dan ta’awun (kerja sama). Penelitian ini berkontribusi pada wacana keuangan etis berbasis komunitas, serta menunjukkan bahwa model keuangan lokal yang sesuai syariah dapat melengkapi atau menggantikan institusi formal di wilayah yang belum terjangkau layanan keuangan formal.
KONTRIBUSI DAN EKSISTENSI USAHA MIKRO KECIL DAN MENENGAH DI INDONESIA Herispon, Herispon; Hendrayani, Hendrayani
Jurnal Daya Saing Vol. 7 No. 1 (2021): Kinerja Ekonomi, Perilaku Keuangan, dan Penguatan UMKM di Era Transformasi Digi
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/dayasaing.v7i1.633

Abstract

Studi ini merupakan upgrade dari studi-studi tentang usaha mikro kecil dan menengah yang yang didasarkan pada kondisi terkini khususnya terkait dengan ketahanan UMKM. Menggunakan data sekunder dan data time series dengan metode deskriptif kuantitatif, hasil studi ini menunjukkan bahwa UMKM secara kuantitatif unggul dari usaha besar (UB) dari sisi; jumlah unit usaha, daya serap jumlah tenaga kerja, dan kontribusi terhadap product domestic bruto (PDB), tapi kontribusi UMKM pada sektor ekspor non migas dan nilai investasi sangat rendah dibandingkan dengan UB. Studi ini juga menunjukkan bahwa UMKM secara kualitatif pada daya serap tenaga kerja, product domestic bruto, ekspor non migas, dan nilai investasi sangat rendah dibandingkan dengan usaha besar.
PENGARUH KOMPENSASI DAN LINGKUNGAN KERJA TERHADAP PRODUKTIVITAS KERJA PADA PTPN V SEI GALUH KAMPAR, RIAU Herispon, Herispon; Daulay, Noni Indira Okvita
Jurnal Daya Saing Vol. 7 No. 3 (2021): Dinamika Kinerja, Keuangan, dan Perilaku Konsumen pada Berbagai Sektor Bisnis d
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/dayasaing.v7i3.738

Abstract

Penelitian ini dilakukan untuk menguji pengaruh variabel kompensasi dan lingkungan kerja terhadap produktivitas kerja karyawan. Objek penelitian ini adalah perusahaan yang dikelola oleh PT Perkebunan Nusantara V Sei Galuh, Tapung, Kampar, Riau. Pengambilan sampel menggunakan probability stratified sampling. Populasi dalam penelitian ini adalah seluruh karyawan PT. Perkebunan Nusantara V di Sei Galuh tahun 2019, sebanyak 348 orang. Sedangkan penentuan jumlah sampel ditentukan dengan rumus Slovin sebanyak 78 orang. Analisis data yang digunakan adalah metode regresi berganda. Tujuan penelitian ini adalah untuk mengetahui pengaruh dan pengaruh kompensasi dan lingkungan kerja terhadap produktivitas kerja karyawan pada PTP Nusantara V Sei Galuh. Penelitian ini menemukan bahwa kompensasi berpengaruh sangat signifikan terhadap produktivitas kerja, dan lingkungan kerja juga berpengaruh signifikan terhadap produktivitas kerja. Dapat disimpulkan bahwa kompensasi dan lingkungan kerja dapat dijadikan sebagai alat dan metode untuk meningkatkan produktivitas karyawan di perusahaan.