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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.

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
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.

An Integration of BSC and AHP for creating VOE’s Barriers of Entry Strategy Ubed, Roby Syaiful; Raharjo, Taufik
Annals of Human Resource Management Research Vol. 4 No. 2 (2024): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v4i2.1757

Purpose: The aim of this study is to create social constructs related to Village-owned Enterprise (VOE) performance measurement tools and establish a hierarchy of strategy formulation using the Analytical Hierarchy Process (AHP). Research Methodology: The methods used in this research were interviews, observations, and literature reviews to gain overall information to achieve the research goals. The purposively chosen sample was PH Village and PL VOE in Yogyakarta Province. Based on the data obtained, a BSC simulation was conducted, followed by strategic analysis using AHP. Results: This study established a social construct of VOE’s performance measurement model based on the social enterprise BSC introduced by Bull (2007) and Somers (2005). A simulation was conducted by measuring the performance of the PL VOE. A total score of 96,49% was obtained for the PL performance measurement result. In addition, a strategy to create barriers to entry was established in this study. The analysis showed that the product differentiation strategy had the highest score (0,66394). To obtain the strategy, the village head, as a village vision creator, must create vision (0,47037) focusing on how to satisfy the PL’s consumers (0,35131). Limitations: The limitation of the research is the lack of an observable sample since not all the villages and VOEs have the required data for research purposes. Contribution: The benefit of this study is that it focuses on the Yogyakarta Provincial Village Community Empowerment Service. This research can be used to formulate strategic policies for the Yogyakarta Provincial government to improve VOE performance, mainly in terms of barriers to entry creation. Novelty: This study contributes to the strategic management of social enterprises in Indonesia, particularly VOE. The use of social BSC and AHP in one article to measure the performance of VOE and to create barriers to entry strategies is still scarce in Indonesia.

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