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METAFORA RISK AND RETURN SEBAGAI DASAR PENGEMBANGAN BAITUL MAAL WA TAMWIL (BMT) YANG MANDIRI Tyas D. Hascaryani; Asfi Manzilati; Nurman S. Fadjar
Journal of Indonesian Applied Economics Vol. 5 No. 1 (2011)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1135.068 KB) | DOI: 10.21776/ub.JIAE.005.01.6

Abstract

The purpose of this study is to find out how Baitul Maal Wa Tamwil (BMT) candevelop their independence as microfinance institutions, based on the expansion ofthe nature and development (metaphor) risk & return. With post positivism rational-istic approach, the results of this study are: (1) the risk faced by BMT in addition tofinancial risk (conventional), as well as more broadly in the form of guaran-tees(goodwill) and guarantee facilities of customer funds. 2) On the return, in addi-tion to financial return (conventional) the meaning has expanded on customer loyalty,market expansion and social functioning of the BMT.Keywords: metaphor, risk, return, independency
Meningkatkan Penetrasi Pasar Internasional untuk Usaha Kecil dan Menengah melalui Pemasaran Digital yang Inovatif Putu Mahardika Adi Saputra; Nurman Setiawan Fadjar; Fahmi Nabil Ramadhani
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 5 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE
Publisher : Cv. Utility Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sebagai langkah awal untuk meningkatkan kinerja ekspor produk lokal, upaya memperkuat jaringan internasional UKM (Usaha Kecil dan Menengah) merupakan hal yang sangat penting. Peningkatan jaringan internasional UKM dilakukan melalui kegiatan-kegiatan seperti pelatihan pemasaran digital dan penggunaan alat desain grafis seperti Canva. Sesi pelatihan ini dilakukan sebagai bentuk pengabdian masyarakat dan diselenggarakan bekerja sama dengan para pelaku UKM di Desa Maron, Blitar. Proyek ini melibatkan sesi pelatihan dan berbagi pengetahuan, dengan fokus pada strategi pemasaran online yang efektif melalui media sosial dan penggunaan Canva. Para peserta termasuk pengusaha lokal dan anggota masyarakat yang terlibat dalam manufaktur skala kecil. Program ini menyoroti pentingnya memanfaatkan pasar digital seperti Shopee dan menekankan strategi untuk membuat profil toko online yang menarik, gambar produk yang jelas, dan deskripsi produk yang komprehensif. Panduan praktis tentang pengemasan dan memberikan layanan pelanggan yang sangat baik juga diberikan. Selain itu, program ini juga menekankan penggunaan platform media sosial seperti Instagram dan Facebook untuk pemasaran. Kegiatan pengabdian masyarakat berjalan dengan lancar dan mendapat respon positif dari para peserta, yang menunjukkan minat untuk mengoptimalkan praktik pemasaran digital mereka. Rencana ke depan termasuk bantuan teknis yang lebih mendalam untuk lebih meningkatkan operasi bisnis mereka. Inisiatif ini bertujuan untuk memberdayakan UKM di Desa Maron, memungkinkan mereka untuk menerapkan praktik-praktik terbaik dan memperluas jangkauan pasar mereka, yang pada akhirnya akan meningkatkan kinerja bisnis mereka.
ANALISIS PENGARUH LITERASI KEUANGAN, KONFORMITAS, DAN STATUS SOSIAL EKONOMI ORANG TUA TERHADAP PERILAKU KONSUMTIF GENERASI Z DI KOTA MALANG Girsang, Cyntia Agustina; Nurman Setiawan Fadjar
Journal of Development Economic and Social Studies Vol. 1 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2022.01.2.05

Abstract

This study aims to determine the effect of financial literacy, conformity, and parental socio-economic status on the consumption behavior of the generation Z in Malang city. This research is descriptive quantitative research with data collection methods through questionnaires distributed to individuals categorized as Generation Z in Malang City with a sample size of 100 people. The collected data were processed and tested using the Spearman Rank correlation method to determine the effect partially, and the Kendall W Concordance to determine the effect simultaneously. The results showed that the financial literacy (X1) partially have a negative and significant effect on consumption behavior (Y), conformity (X2); and parental socio-economic status (X3) partially have a positive and significant effect on consumption behavior (Y). From the results of simultaneous statistical testing, it was found that the financial literacy (X1), conformity (X2), and parental socio-economic status (X3) simultaneously have a significant effect on consumption behavior (Y). Based on the mean rank of the concordance of Kendall w, it was also found that parental socio-economic status is the variable that has the most effect on the consumptive behavior of Generation Z in Malang City.
PENGARUH PENGGUNAAN DOMPET ELEKTRONIK (E-WALLET) SHOPEEPAY TERHADAP PERILAKU KONSUMTIF MAHASISWA DI KOTA MALANG (STUDI KASUS PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS BRAWIJAYA) Lidya Virginia; Nurman Setiawan Fadjar
Journal of Development Economic and Social Studies Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2024.03.1.15

Abstract

The increasingly advanced development of information technology provides new things in the economic sector in keeping up with increasingly modern development. One of them is the emergence of  ShopeePay. ShopeePay is a digital wallet service issued by Shopee and currently very popular with the public because it provides convenience and benefits in terms of trasactions. This study aims to determine the effect of using ShopeePay electronic e-wallet on the consumptive behaviour of student in the city of Malang by tooking at the perceived of ease, perceived of use, and promotion as indicators in this study. The method used is SmartPLS (Partial Least Square). The result showed that perceived of ease, perceived of use, and promotion had a positive and significant effect on the comsumptive behaviour of students in the cinty of Malang.
ANALISIS PENGARUH MODAL DAN UPAH TERHADAP PENYERAPAN TENAGA KERJA EKONOMI KREATIF SEKTOR MUSIK Muttaqien, Achmad Muizzul; Fadjar, Nurman Setiawan
Journal of Development Economic and Social Studies Vol. 1 No. 3 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2022.01.3.05

Abstract

This study aims to determine the influence of capital and wages on the level of labor absorption in the creative economy industry of the music sector in Malang City. This research used a descriptive approach with quantitative methods. The dependent variable in this study was the respondent's music industry workforce. This study establishes two independent variables, namely wages and capital. The population in this study is all music industry workers in Malang City. Therefore, the number of samples to be taken in as many as 97 people. Data collection techniques through questionnaires. Data analysis techniques are carried out through descriptive analysis, classical assumption testing, hypothesis testing, and multiple linear test analysis. The results showed that 1) there is a joint (simultaneous) influence of free variables on the variable of acceptable Labor Absorption, 2) capital (X1) has a significant influence on Labor Absorption, 3) variables in wage levels (X2) which have a significant influence on the absorption of labor in the music industry in Malang City, and 4) variables wage levels have the most decisive influence compared to other variables, then variables Wage levels have a dominant influence on the absorption of music industry labor in Malang City
PENGARUH PENDAPATAN, KESESUAIAN HARGA KEBUTUHAN POKOK, KEBIASAAN BERBELANJA DAN KESADARAN KESEHATAN TERHADAP POLA KONSUMSI Rahmi, Dina Maulida; Fadjar , Nurman Setiawan
Journal of Development Economic and Social Studies Vol. 1 No. 4 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2022.01.4.04

Abstract

The Covid-19 pandemic has changed how people consume goods and services. In Malang city the outbreak has made numerous changes in supply, demand, and people’s purchasing power, which eventually modify the citizens’ consumption pattern. The objective of this research is to identify the effects of income, price of basic needs, shopping habit, and health awareness on the consumption pattern of Malang people during the Covid-19 pandemic. The data of this quantitative research was harvested from questionnaires distributed to 100 samples. Here the non-parametric statistical analysis, i.e. Spearman’s rank correlation test, was used the relationship between independent and dependent variables. This study finds that all independent variables have positive and significant effects on consumption pattern. Based on the magnitude of relationship between variables, income very strongly influences consumption pattern, while price of basic needs, utilitarian shopping habit, and health awareness strongly affect the consumption pattern, and hedonic shopping habit weakly influences the consumption pattern. The implications of this research are the occurrence of income increase and well-planned purchases according to priority scales. Higher income and better expenditure planning can make people readier to face future economic shock.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT KONSUMSI KOPI DI MALANG TAHUN 2022 (Studi Kasus: Jl. Ikan Tombro - Kota Malang) Widya Chandra, Meina; Fadjar, Nurman Setiawan
Journal of Development Economic and Social Studies Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2023.02.1.8

Abstract

Indonesia as one of the countries passed by the equator and makes it a tropical country suitable for planting coffee beans. There is an increase in the level of coffee consumption both nationally and internationally. Coffee is currently a popular drink among the people, including the people in Malang, which are dominated by students (young age). Coffee shops are experiencing rapid growth in Malang, on Jl. Ikan Tombro forms a complex with a road that is approximately 300m long with 60 coffee shops along the way and forms a monopolistic market competition. This study aims to analyze the factors namely age (X1), income (X2), price (X3), coffee quality (4) and atmosphere (5) on the level of coffee consumption in Malang with a case study Jl. Ikan Tombro. The analytical method used in this study is multinomial logistic regression. The required number of respondents is 100 consumers from respondents with the criteria of having or are currently visiting a coffee shop on Jl. Ikan Tombro, Malang. The results of the research seen from the simultaneous test show that all variables have a positive significant effect on the level of coffee consumption.
ANALISIS FAKTOR - FAKTOR YANG MEMPENGARUHI PERTUMBUHAN EKONOMI INKLUSIF (STUDI KASUS: KABUPATEN/KOTA DI PROVINSI DAERAH ISTIMEWA YOGYAKARTA 2012-2021) Amin, Nurul Hasby Hilmy; Nurman Setiawan Fadjar
Journal of Development Economic and Social Studies Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2023.02.3.07

Abstract

Indonesia as a developing country that has 34 provinces with many remote, outermost and lagging areas has problems with the impact of high economic growth, namely poverty, inequality, and unemployment. Likewise with the DI Yogyakarta Province which experienced this condition. The concept of inclusive economic growth exists as growth creating broad access and opportunities for all levels of society in an equitable manner, increasing welfare, and reducing disparities between groups and regions. This study aims to analyze the effect of the independent variables consisting of the minimum wage, human development index, and per capita income on the dependent variable inclusive economic growth. The method used is panel data regression analysis. The results showed that the minimum wage variable had a negative and significant effect on inclusive economic growth, while the human development index and per capita income variables had a positive and significant effect on inclusive economic growth
ANALISIS ALOKASI BELANJA DESA TERHADAP PEMBANGUNAN DESA (STUDI KASUS DESA BERKEMBANG DI KABUPATEN TRENGGALEK TAHUN 2019-2022) Prasetyawan, Muhammad Rafli Alan Retsa; Fadjar, Nurman Setiawan
Journal of Development Economic and Social Studies Vol. 2 No. 4 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2023.02.4.18

Abstract

Village expenditure has an important role in increasing village development. To realize the Sustainable Development Goals (SDGs) program, villages need to support this program by actualize a good village development. The purpose of this research is to identify the effect of village expenditure allocations toward village development. The research model used in this research is panel data with cases in 36 developing villages in Trenggalek Regency in 2019-2022. Partially, this study resulted a significant positive relationship between village spending on development implementation and spending on community development toward village development. However, spending on village administration and spending on community empowerment has no influence to village development
ANALISIS PENGARUH PENDAPATAN, HARGA, PREFERENSI, DAN GAYA HIDUP TERHADAP PERILAKU KONSUMSI MAKANAN JEPANG (STUDI PADA MAHASISWA FEB UB) Ramadhan, Muh. Rizki; Fadjar, Nurman Setiawan
Journal of Development Economic and Social Studies Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2024.03.3.09

Abstract

Today, students' consumption is not only limited to college-related needs but also extends to the desire for certain types of food, including Japanese cuisine. Japanese food has become one of the most popular international cuisines in Indonesia, as evident from the increasing number of Japanese food outlets across various cities in the country. The aim of this study was to determine the impact of income, price, preferences, and lifestyle on Japanese food consumption behavior among students of the Faculty of Economics and Business at Brawijaya University. Data collection techniques in this study involved distributing questionnaires to 100 students. Based on the results of binary logistic regression analysis, it shows that partially, income, price, and lifestyle have a positive and significant effect on Japanese food consumption behavior. Meanwhile, preference has no significant effect on Japanese food consumption behavior.