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Exploration of Factors Affecting Loan Repayment of Indonesian Village Financial Institutions in Women's Groups Loan raharjo, taufik; Manurung, Adler Haymans; Sembel, Roy; Yuliati, Retno
Akuisisi : Jurnal Akuntansi Vol 20, No 2 (2024)
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/akuisisi.v20i2.2418

This research explores factors that can affect loan repayment of Indonesian Village Financial Institutions in Women Group Lending as a Case Study at Serang Regency. This research uses a qualitative approach by analyzing in-depth interviews with two BUMDesma Directors and Focus Group Discussion with 21 BUMDesma debtors. BUMDesma directors as informants is the BUMDesma director of the BUMDesma of Ciruas and Padarincang sub-districts as chairman and secretary of the BUMDesma association in Serang districts. FGD members are 21 leaders of women group lending as BUMDesma debtors from several sub-districts. Based on the analysis, two important aspects determine the development of BUMDesma Loan Repayment in Serang Regency as a Women's Group Lending Model: the Professionalism of BUMDesma management and the Commitment of BUMDesma debtors.

Pendekatan Asset-Based Community Development dalam Mengelola Bumdesa di Desa Cibogo, Kabupaten Tangerang Raharjo, Taufik; Kusmulyono, Muhammad Setiawan
PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia Vol 4 No 2 (2021): PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia
Publisher : Perkumpulan Pendidik Kewirausahaan Indonesia (Perwira Indonesia)

Bumdesa menjadi motor pengembangan perekonomian desa dalam 8 tahun terakhir. Akan tetapi, pemilihan unit usaha Bumdesa sering menjadi hal yang diabaikan dan tidak disesuaikan dengan potensi yang sebenarnya dimiliki oleh desa. Akibatnya, banyak Bumdesa yang tidak mampu mengoptimalkan unit usaha yang sudah dijalankan walaupun memiliki alokasi anggaran yang besar. Melalui pendekatan ABCD, konsep pengembangan desa diarahkan untuk menguatkan potensi dasar yang sudah dimiliki oleh desa baik dari sisi alam maupun sumber daya manusia. Bumdesa Mitra Cibogo Sejahtera sebagai studi kasus Bumdesa yang menggunakan pendekatan ABCD menunjukkan bahwa hasil kinerja usaha lebih stabil walaupun belum sesuai harapan yang utama. Melalui penelitian kualitatif dengan wawancara mendalam kepada 12 pemangku kepentingan terkait Bumdesa MCS, diperoleh hasil analisis yang menunjukkan bahwa pendekatan ABCD ternyata mampu meminimalisasi risiko kegagalan sehingga usaha Bumdesa MCS yang dijalankan dapat menjadi lebih fokus. Hasil penelitian menunjukkan bahwa penerapan konsep ABCD tidak hanya didasarkan pada pemilihan aset saja, namun perlu diperkuat dengan profesionalisme manajemen Bumdesa, komunikasi yang konstruktif dengan pemerintah desa, dan kesediaan manajemen Bumdesa untuk terbuka dengan kondisi yang ada. Hal ini ternyata menjadi determinan kuat stabilnya kinerja Bumdesa MCS yang menggunakan konsep ABCD.

Impacts of Rural Development on Human Development in Indonesia Hadiwibowo, Yuniarto; Setiya, Tanda; Raharjo, Taufik
Signifikan: Jurnal Ilmu Ekonomi Vol 14, No 1 (2025)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44453

Research Originality: This study presents a new analysis of the determinants of human development to implement the government’s vision of building Indonesia from the village and grassroots.Research Objectives: This study aims to determine the effects of rural development and fiscal policy on human development in Indonesia.Research Methods: This study uses data from 434 municipalities for the 2017-2023 period. The study employs panel data analysis with the Common Effect Model, Fixed Effect Model, Random Effect Model, and Generalized Estimating Equation.Empirical Results: The findings suggest that rural development, economic development, and expenditures on goods & services contribute to human development. In contrast, the COVID-19 pandemic and capital expenditures affect human development negatively. The negative effects of capital expenditures become positive after they become assets.Implications: The finding implies the important role of rural development in fostering human development. Short-run objectives might be achieved by goods & services expenditures. Capital expenditures should be directed toward long-run objectives. The central government may accelerate human development by transferring assets to the local government.JEL Classification: E62, H75, I38, O15How to Cite:Hadiwibowo, Y., Setiya, T., & Raharjo, T. (2025). Impacts of Rural Development on Human Development in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 53-64. https://doi.org/10.15408/sjie.v14i1.44453.

Microbusiness Mapping Activities to Support Bumdesa Mitra Cibogo Sejahtera Policy in Developing Rural Economies in Desa Cibogo, Kabupaten Tangerang Kusmulyono, Muhammad Setiawan; Elfriede, Dwining Putri; Raharjo, Taufik
ABDIMAS: Jurnal Pengabdian Masyarakat Vol. 6 No. 2 (2023): ABDIMAS UMTAS: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM Universitas Muhammadiyah Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35568/abdimas.v6i2.3219

Community service activities are carried out with Bumdesa Mitra Cibogo Sejahtera (MCS) located in Cibogo Village, Cisauk District, Tangerang Regency, Banten Province. This collaborative community service activity is carried out using an action research approach to help Bumdesa MCS identify what type of business can be run by Bumdesa MCS in accordance with existing assets and potential. The implementation of this effort is carried out by carrying out business mapping activities for business actors in the Cibogo Village area. The results of the business mapping indicate that Cibogo Village has a variety of business actors engaged in various fields ranging from food and beverage businesses, stalls/small grocery stores, make-up services/salon services, animal shops, laundry services, and fishing equipment shops. The total number of businesses that were successfully mapped during the service activity period was 28 businesses with the food and beverage business dominating reaching 57.14 percent. The follow-up to this business mapping is a discussion to determine the type of business that will be carried out by Bumdesa MCS. A unanimous decision to choose the type of business to be taken has not yet been obtained, but Bumdesa MCS already has a variety of design considerations that will be taken during the Bumdes management deliberation period with the village government in the future.

PENINGKATAN KAPASITAS PENGELOLA BUMDesa MELALUI PELATIHAN DAN PENDAMPINGAN PENYUSUNAN LAPORAN KEUANGAN : Improving the Capacity of BUMDesa Managers through Training and Assistance in Financial Reporting Raharjo, Taufik; Rahayu, Kusumawati; Roby Syaiful, Ubed
Jurnal Abdi Masyarakat Indonesia (JAMIN) Vol 6 No 2 (2024): JURNAL ABDI MASYARAKAT INDONESIA (JAMIN)
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jamin.v6i2.18668

This community service activity (PkM) aims to assist partners in preparing accurate and compliant financial reports through training and mentoring for Village-Owned Enterprises (BUMDesa) managers in Pandeglang Regency, especially in Cadasari, Mekarjaya, and Koroncong Districts. The background to this community service is that many BUMDesa still do not have good and correct financial reports. The reports that can be made by BUMDesa are still limited to cash inflow and cash outflow books. This community service is carried out in three stages: planning, implementation, and evaluation. At the planning stage, a Focus Group Discussion (FGD) was held with the Pandeglang Regency DPMD, which resulted in the concept of training and mentoring for preparing BUMDesa financial reports. The implementation stage went well, although there were still some obstacles. At the evaluation stage, an analysis of the emerging problems was carried out, and recommendations were given for improvement in similar activities in the future. The results achieved from this activity were bookkeeping in the form of profit and loss reports, balance sheets, financial position reports, and BUMDesa health reports

Impacts of Rural Development on Human Development in Indonesia Hadiwibowo, Yuniarto; Setiya, Tanda; Raharjo, Taufik
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 1 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44453

Research Originality: This study presents a new analysis of the determinants of human development to implement the government’s vision of building Indonesia from the village and grassroots.Research Objectives: This study aims to determine the effects of rural development and fiscal policy on human development in Indonesia.Research Methods: This study uses data from 434 municipalities for the 2017-2023 period. The study employs panel data analysis with the Common Effect Model, Fixed Effect Model, Random Effect Model, and Generalized Estimating Equation.Empirical Results: The findings suggest that rural development, economic development, and expenditures on goods & services contribute to human development. In contrast, the COVID-19 pandemic and capital expenditures affect human development negatively. The negative effects of capital expenditures become positive after they become assets.Implications: The finding implies the important role of rural development in fostering human development. Short-run objectives might be achieved by goods & services expenditures. Capital expenditures should be directed toward long-run objectives. The central government may accelerate human development by transferring assets to the local government.JEL Classification: E62, H75, I38, O15How to Cite:Hadiwibowo, Y., Setiya, T., & Raharjo, T. (2025). Impacts of Rural Development on Human Development in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 53-64. https://doi.org/10.15408/sjie.v14i1.44453.

PENGELOLAAN KEUANGAN BISNIS ONLINE MENGGUNAKAN TELEPON PINTAR Maulana, Sahdan; Fitrianingrum, Ayu; Damara, Abieza Satya; Quinta, Enno Astri; Sari, Evie Puspita; Hariputra, Kartiko; Muâ€™arief, M. Ilham; Zuti, Utari Ayuningrum; Raharjo, Taufik
Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Vol 1 No 1 (2020): Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/al-jpkm.v1i1.4007

The object of this community service is SME Dpp.bookstore. The purpose of this community service activity is to raise awareness of the importance of accounting for and equip skills in financial management or accounting with the Android-based "SME Accounting" application. This community service activity is in the form of direct assistance to BUMK managers. The result of this community service activity is an increase in understanding the importance of managing business financial administration and accounting by using the "SME Accounting" application. The obstacle faced is no evidence is collected for every transaction that occurs by the SME business owner Dpp. Bookstore.

Transformation of Village Entrepreneurship: Financial Literacy as a Driver of Economic Independence for Borrowers of BUMDesa Bersama in Serang Regency: Transformasi Kewirausahaan Desa: Literasi Keuangan sebagai Pendorong Kemandirian Ekonomi Bagi Debitur BUMDesa Bersama di Kabupaten Serang Raharjo, Taufik; Suhendra, Maman; Yudanto, Ambang Aries; Setiya, Tanda; Arianty, Erny
CONSEN: Indonesian Journal of Community Services and Engagement Vol. 5 No. 2 (2025): Consen: Indonesian Journal of Community Services and Engagement (In Press)
Publisher : Institut Riset dan Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/consen.v5i2.2034

The aim of this community service (PKM) initiative is to facilitate the improvement of financial literacy among debtors of BUMDesma LKD across Serang Regency. The execution of this PKM activity was conducted in three phases: Planning, Implementation, and Evaluation to attain best outcomes. During the planning phase, the team formulated the PKM activity idea, which consists of three primary steps: assessing the financial management attributes of the borrowers, delivering financial management training to the debtors, and offering post-training mentorship. In the implementation phase, debtor characteristics were discerned through observations and interviews of 22 debtors from 18 BUMDesma LKD throughout 17 sub-districts in Serang Regency. The second stage entailed administering financial management instruction for the debtors utilizing a practical financial management methodology known as "GoDisKo." The concluding phase of the implementation emphasized post-training mentorship. The evaluation, as the last activity, demonstrated that the beginning phase substantially facilitated the following training phase, allowing for successful and efficient training execution. Nevertheless, the mentoring phase was suboptimal owing to the inherent preferences of the debtors, who exhibited a diminished propensity to engage with online media for mentoring purposes.

Towards Sustainable Development: Formulating SDGs-Based Village RPJM in Bandung Village, Pandeglang: Menuju Pembangunan Berkelanjutan: Penyusunan RPJM Desa Berbasis SDGs di Desa Bandung, Pandeglang Raharjo, Taufik; Hadiwibowo, Yuniato; Setiya, Tanda; Kustiani, Nur Aisyah
CONSEN: Indonesian Journal of Community Services and Engagement Vol. 5 No. 2 (2025): Consen: Indonesian Journal of Community Services and Engagement (In Press)
Publisher : Institut Riset dan Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/consen.v5i2.2035

The purpose of this community service activity (PKM) is to assist in preparing the Village Medium-Term Development Plan (RPJM Desa) based on the SDGs of Bandung Village, Pandeglang. To achieve optimal results, this PKM activity is carried out in three stages, namely planning, implementation, and evaluation. The planning stage uses the Focus Group Discussion (FGD) approach with partners, to identify targets, objectives, expected outputs, and activity implementation schedules by calculating the use of appropriate resources, preparing implementation schedules, and designing other actions needed to achieve goals, including the division of tasks between the community service and partners. In the planning, the PKM implementation method is determined using a mentoring approach to the Bandung Village government. Mentoring is carried out by inviting several parties, from village officials to community leaders to prepare a Village Development roadmap based on the Village SDGs first. Evaluation is the last activity of this PKM. In the evaluation, it was found that the village government did not have complete data to be used in preparing the Village RPJM or the Village Development roadmap based on the SDGs. So the team had difficulty compiling the RPJM files and Village Development Roadmap. One solution is the need to input the lack of SDGs data in the Village SDGs application owned by the Ministry of Villages, Disadvantaged Regions, and Transmigration. However, until the end of this community service activity, the Village Government had not finished inputting the data in question, because of other activities such as preparing the Bandung village tourist location which will be opened at the end of 2023.

Penatausahaan Aset Tanah Daerah Hasil Pemekaran Kabupaten Jayapura Raharjo, Taufik; Wirawan, Aditya; Shintasari, Reni; Samodra, Fery
Journal of Political Issues Vol 5 No 2 (2024): Journal of Political Issues (August - January)
Publisher : Jurusan Ilmu Politik Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/jpi.v5i2.139

Abstract The aim of this research is to study the implementation of administration of regional assets in the form of land by the Jayapura City Government after the expansion of Jayapura Regency. Apart from that, this research tries to uncover obstacles in the implementation of administering regional assets in the form of land and identifies solutions that can be implemented to reduce obstacles that arise after regional expansion. This research uses a descriptive qualitative approach with data sources originating from the results of in-depth interviews with credible informants according to the objectives of this research. The results of this research show that the administration of regional assets or regional property/ Barang Milik Daerah (BMD) has been implemented well due to collaboration with related parties. However, there is a note that several assets with high value are still owned by the Jayapura Regency Government, whereas assets which are movable assets were not handed over so that movable assets require new procurement.

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