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All Journal Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Altifani Journal: International Journal of Community Engagement
Khairita H
Politeknik Kutaraja
Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences

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ANALISIS PEMBIAYAAN MUSYARAKAH PADA PENDAPATAN USAHA KECIL SEBELUM DAN SESUDAH PEMBIAYAAN MUSYARAKAH DI PT BPRS HIKMAH WAKILAH (KANTOR PUSAT) Azlina; Mirnawati; Lisnawati; Khairita H
Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Vol. 4 No. 1 (2023): Mei 2023
Publisher : Politeknik Kutaraja

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Abstract

This research aims to determine the influence of Musyarakah financing on the increase of income for small businesses at PT BPRS Hikmah Wakilah Kantor Pusat. The data collection technique was conducted by gathering secondary data in the form of documents containing customer income from Musyarakah financing before and after the financing was provided. Out of a population of 391, the sample size was determined using the Slovin formula, resulting in 98 samples, and the sample was drawn using the simple random sampling technique. Data analysis techniques were carried out through descriptive statistics, normality tests, and hypothesis tests using SPSS 26.0. From the descriptive statistical results, it was found that the average income after financing was higher than before financing. The normality test using the Kolmogorov-Smirnov test showed that the data was not normally distributed, leading to the use of the nonparametric Wilcoxon Sign rank test for data comparison. The results of the Wilcoxon Sign rank test, an Asymp. A Sig (2-tailed) value of 0.000 was obtained, which is less than the critical limit of the research at 0.05. Thus, the research accepts the alternative hypothesis (Ha) and rejectsthe null hypothesis (Ho), indicating that there is a significant difference in income between before and after financing, and all samples experienced an increase in income after the financing or had a positive value.
Pendampingan Pengembangan Kemasan Produk bagi Pelaku IKM Kabupaten Aceh Besar melalui Pendekatan Product Development Zahriatul Aini; Daudy Sukma; Desy Puspita; Khairita H; Rahmat Arfan
Altifani Journal: International Journal of Community Engagement Vol. 6 No. 1 (2026): Altifani Journal: International Journal of Community Engagement
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/altifani.v6i1.1146

Abstract

This community service program aims to enhance the capacity and competitiveness of Small and Medium Enterprises (SMEs) in Aceh Besar Regency through product packaging innovation assistance. The background of this activity is the significant potential of SMEs in Aceh which still faces serious challenges, especially in the aspects of packaging design, branding, and product legality such as halal and PIRT labels. The method used is a Product Development approach, which includes the stages of ideation, prototyping, and market validation. The program was implemented in August 2025 and involved 25 SME actors in the processed food and creative products sectors. The assistance was provided through theoretical and practical training sessions, including the use of simple graphic design applications like Canva. The results indicate improvement in participants' understanding, evidenced by an increase in the mean score from 62.4 in the pre-test to 84.1 in the post-test, representing a 35% growth. Furthermore, the program successfully produced new packaging prototypes that were validated by consumers, with results showing an increase in visual appeal (78%), clarity of information (82%), and consumer purchase intention (76%). Overall, this program not only improved the participants' knowledge and skills but also resulted in tangible innovations that can enhance the competitiveness of SME products in the broader market.
Co-Authors Azlina Daudy Sukma Desy Puspita Lisnawati MIRNAWATI Rahmat Arfan Zahriatul Aini