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All Journal Jurnal Perikanan Terpadu Indonesia Berdampak: Jurnal Pengabdian Kepada Masyarakat
Harmaini Harmaini
Universitas Teuku Umar
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Peran Lembaga Keuangan Dalam Mendorong Pertumbuhan Usaha Mikro Dan Kecil Di Sektor Perikanan Aceh Yasrizal Yasrizal; Yayuk Eko Wahyuningsih; Harmaini Harmaini; Said Madani
Jurnal Perikanan Terpadu Vol 4, No 1 (2023): Jurnal Perikanan Terpadu Volume 4 Nomor 1
Publisher : Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jpterpadu.v4i1.8045

Abstract

Penelitian ini mengulas peran krusial lembaga keuangan dalam mendorong pertumbuhan usaha mikro dan kecil (UMK) di sektor perikanan di wilayah Aceh, Indonesia. Perikanan memiliki peran penting dalam pemenuhan kebutuhan pangan dan menciptakan lapangan kerja di wilayah pesisir. Namun, UMK di sektor perikanan menghadapi tantangan, seperti akses terbatas ke sumber daya finansial, manajemen keuangan yang kurang efektif, dan rendahnya akses ke layanan keuangan formal. Lembaga keuangan memiliki peran strategis dalam memberikan akses yang mudah terhadap sumber daya finansial, seperti kredit dan modal kerja, untuk membantu UMK meningkatkan kapasitas produksi, memperluas pasar, dan meningkatkan daya saing produk perikanan.  Analisis regresi linier menunjukkan adanya hubungan positif dan signifikan antara pembiayaan dari lembaga keuangan dengan pertumbuhan UMK di sektor perikanan di berbagai wilayah di Aceh. Kerjasama antara pemerintah, sektor swasta, dan lembaga keuangan menjadi kunci dalam menciptakan lingkungan yang mendukung pertumbuhan UMK di sektor perikanan. Upaya lebih lanjut, termasuk stimulus ekonomi berfokus pada sektor perikanan dan dukungan keuangan untuk kewirausahaan, akan membantu meningkatkan akses pembiayaan dan mendukung pertumbuhan ekonomi inklusif di wilayah tersebut
Peningkatan Literasi Kemiskinan Energi dan Efisiensi Pengeluaran Rumah Tangga Miskin: Pengabdian di Desa Alue Waki Kecamatan Darul Makmur Kabupaten Nagan Raya Sailal Arimi; Harmaini Harmaini; Yasrizal Yasrizal; Mahrizal Mahrizal; Said Mahdani; Sudarman Sudarman; Zuhrizal Fadhly
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 2 (2025): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/b4jh6353

Abstract

The phenomenon of rural poverty in Indonesia has a strong correlation with limited human capital capacity. The energy literacy deficit that arises from low educational background exacerbates economic vulnerability through inflated household energy consumption costs. This community service aims to increase the capacity of poor households in Alue Waki Village, Darul Makmur District, by strengthening energy poverty literacy based on P3KE (Purpose of Accelerating the Elimination of Extreme Poverty) microdata. The implementation method uses a participatory educational approach that includes counseling on energy-saving habits and technical demonstrations of energy expenditure efficiency to 35 poor household heads. Evaluation of the impact of this service is measured using pre-test and post-test instruments to see changes in knowledge and behavioral intentions. The results of the activity show an accumulative increase in community capacity of 73.1%, with a surge in self-confidence in adopting modern energy technology reaching 97.1%. Economically, this increase in literacy results in potential energy cost savings (projected) of 13.2%, or a decrease from an average of Rp193,500 to an estimated Rp168,000 per month if efficient behavior patterns are consistently implemented. This figure reflects the fiscal space available for poor households to allocate for children's nutrition and education needs. This community service concludes that human capital intervention through energy literacy education is a rational strategy for fostering economic independence for target households.      
Co-Authors Mahrizal Mahrizal Said Madani Said Mahdani Sailal Arimi Sudarman Sudarman Wahyuningsih, Yayuk Eko Yasrizal Zuhrizal Fadhly