Garuda - Garba Rujukan Digital

Manajemen Resiko Pemberian Kredit Kredit Usaha Rakyat(KUR) Pada Perbankan Difinubun, Muhamad Fagi
Jurnal Online Manajemen ELPEI Vol 4 No 1 (2024)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v4i1.225

Kredit Usaha Rakyat (Kur) is a business capital facility from the Bank to productive and viable business actors who need financial assistance but do not yet have additional collateral or sufficient collateral. Lending has the potential for a large risk of loss in the banking world. So in need of proper management and supervision. For this reason, risk management is needed in the process of lending that is distributed. Data collection techniques in this paper using observation, interview, triangulation, and collect data, while for data analysis techniques in this case using the Miles and Huberman model. The results of this writing prove that the implementation of business risk management can minimize the occurrence of payment arrears by debtors.

PENGELOLAAN BUDIDAYA STROBERI DALAM MENINGKATKAN PENDAPATAN MASYARAKAT DI KAMPUNG APENAS Difinubun, Muhamad Fagi; Tambunan, Ayu Anggraini
INSANTA : JURNAL PENGABDIAN KEPADA MASYARAKAT INSANTA: JURNAL PENGABDIAN KEPADA MASYARAKAT, Volume 2 Nomor 3, Juli 2024
Publisher : LPP ARROSYIDIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61924/insanta.v2i3.32

Strawberries are a popular fruit commodity among the public. This fruit is a sub-tropical fruit, where its cultivation is the result of the introduction and crossing of several types of potential local varieties. Processing of this fruit is very easy, for example made into syrup, jam or other food mixtures. This fruit is very high in vitamin C content and can help slow down the oxidation process in the human body. Based on its type, this plant can grow well in the highlands with a temperature of 17-20 °C. apenas village located in the jayawijaya mountains can be one of the areas that is quite potential for the cultivation of this type of plant. Where the people of this village are farmers. Strawberry cultivation that is done properly will produce healthy and abundant fruit, so it is possible that it can become a field for the community to increase their income. For this reason, counseling with strawberry cultivation methods is carried out which is expected to provide a brief overview for farmers who do not fully understand strawberry cultivation.

SOSIALISASI PENGGUNAAN QRIS UNTUK TRANSAKSI DIGITAL MASYARAKAT DI KOTA WAMENA KABUPATEN JAYAWIJAYA Difinubun, Muhamad Fagi; Wibowo, Didik Usman; Medlama, Mepa
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 6, No 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i3.15660

The Qris payment method is a modification of the previous cash payment to cashless, this emerged after the COVID-19 pandemic outbreak, one of the impacts of which was through money. Payment for the QRIS method is made by Scanning Barcodes using a mobile application. In the city of Wamena, access to service infrastructure is still very minimal. Poor internet connectivity and network quality in Wamena City greatly affect the use of Qris. However, since 2023, some people have started to switch to using this method to shop in stores. This outreach was carried out by taking several non-probability and probability samples which were then analyzed using descriptive quantitative methods with the hope of providing information to the public about the benefits and procedures for using QRIS which will greatly help people in shopping for daily needs Keywords: Digital Payment, Society, QRIS

COMMUNITY EMPOWERMENT IN NATURAL RESOURCE MANAGEMENT BASED ON REGIONAL PLANNING IN WALELAGAMA VILLAGE, WESAPUT DISTRICT, JAYAWIJAYA REGENCY Tambunan, Ayu Anggraini; Difinubun, Muhamad Fagi; Payokwa, Silvia
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 6, No 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i3.15661

Sustainable management of natural resources in rural areas is a major challenge for many communities in Indonesia, especially in areas that still depend on local natural resources without structured planning. Walelagama Village, Wesaput District, Jayawijaya Regency, is an example of a community that relies heavily on forest management and agricultural land to meet its living needs. However, the lack of integrated regional planning means that natural resource management practices are often unsustainable and have a negative impact on the environment. Therefore, this community service activity aims to increase community capacity in managing natural resources based on regional planning, with a participatory approach that integrates local wisdom and modern technology. The service activity was carried out in September 2024, with participants consisting of 35 people including the village head, village administrators and the local community. The method used in this activity is socialization carried out in the village head's office, followed by group discussions and regional zoning-based planning simulations. In this activity, participants are invited to understand the importance of regional planning to preserve nature while increasing agricultural productivity through appropriate zoning. This simulation allows participants to identify and map conservation, production and settlement areas that suit natural conditions and community needs. The results of this activity show that the people of Walelagama Village are starting to understand the concept of zoning-based regional planning, although there are several challenges that need to be overcome, such as limited technological infrastructure and differences in education levels between participants. Limited access to technology hampers people's ability to utilize data-based planning tools, while differences in education levels affect the level of understanding of the material presented. However, this program succeeded in increasing public awareness of the importance of planned and sustainable natural resource management. Overall, this service program makes a significant contribution in increasing the capacity of the Walelagama Village community in terms of managing natural resources based on regional planning. It is hoped that this activity can be the first step towards implementing better regional planning in the future, which will not only benefit the community, but also support sustainable environmental conservation. In addition, the results of this activity indicate the need for further support in the form of improved technological infrastructure and advanced training programs to ensure the sustainability of natural resource management at the community level.

Analisis Pendapatan Pedagang Pinang di Pasar Tradisional Kota Wamena Difinubun, Muhamad Fagi; Kaharudin, Kaharudin
Assets Journal: Management, Administration, Economics, and Accounting Vol. 2 No. 2 (2024): Assets Journal
Publisher : Yayasan Insan Mulia Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59923/assets.v2i2.250

Penelitian ini bertujuan untuk mengetahui seberapa besar pendapatan penjualan pinang di pasar tradisional kota wamena. Jenis penelitian yang di gunakan adalah Jenis penelitian ini adalah penelitian lapangan (field research) dengan pendekatan kualitatif, sehingga diupayakan memunculkan data-data lapangan yang sebenar-benarnya sesuai kondisi sesungguhnya, dengan metode wawancara (interview), observasi. Dan untuk akurasi pendapatan di lakukan pendekatan kuantitatif. Sampel informan yang di ambil dalam penelitian ini sebanyak 40 pedagang, yang terdiri dari 10 pedagang di pasar jibama, 10 pedagang di pasar potikelek, 10 pedagang di pasar sinakma dan 10 pedagang di jalan irian. Teknik pengumpulan data pada penelitian ini adlaah dengan menggunakan quisioner yang telah di buat, yang berisi data berupa biaya pengeluaran pedagang untuk membeli pinang, sirih, sewa tempat, biaya listrik, dan biaya akomodasi. Hasil penelitian menunjukan total penerimaan pendapatan tiap-tiap lokasi berbeda, untuk pasar sinakma total pendapatan harian mencapai Rp. 139.167, untuk pasar potikelek Rp.145.917, untuk pasar sinakma pendapatan harian rata-rata mencapai Rp.243.250 dan untuk jalan irian pendapatan rata-rata perharinya mencapai Rp. 151.167. perbedaan pendapatan ini bisa di sebabkan karena beberapa faktor, misalnya modal usaha yang di keluarkan unutk membeli pinang, lokasi berdagang, daya saing pasar, serta kepercayaan ataupun responsif perubahan pasar.

SOSIALISASI PENGGUNAAN QRIS UNTUK TRANSAKSI DIGITAL MASYARAKAT DI KOTA WAMENA KABUPATEN JAYAWIJAYA Difinubun, Muhamad Fagi; Wibowo, Didik Usman; Medlama, Mepa
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i3.15660

The Qris payment method is a modification of the previous cash payment to cashless, this emerged after the COVID-19 pandemic outbreak, one of the impacts of which was through money. Payment for the QRIS method is made by Scanning Barcodes using a mobile application. In the city of Wamena, access to service infrastructure is still very minimal. Poor internet connectivity and network quality in Wamena City greatly affect the use of Qris. However, since 2023, some people have started to switch to using this method to shop in stores. This outreach was carried out by taking several non-probability and probability samples which were then analyzed using descriptive quantitative methods with the hope of providing information to the public about the benefits and procedures for using QRIS which will greatly help people in shopping for daily needs Keywords: Digital Payment, Society, QRIS

COMMUNITY EMPOWERMENT IN NATURAL RESOURCE MANAGEMENT BASED ON REGIONAL PLANNING IN WALELAGAMA VILLAGE, WESAPUT DISTRICT, JAYAWIJAYA REGENCY Tambunan, Ayu Anggraini; Difinubun, Muhamad Fagi; Payokwa, Silvia
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i3.15661

Sustainable management of natural resources in rural areas is a major challenge for many communities in Indonesia, especially in areas that still depend on local natural resources without structured planning. Walelagama Village, Wesaput District, Jayawijaya Regency, is an example of a community that relies heavily on forest management and agricultural land to meet its living needs. However, the lack of integrated regional planning means that natural resource management practices are often unsustainable and have a negative impact on the environment. Therefore, this community service activity aims to increase community capacity in managing natural resources based on regional planning, with a participatory approach that integrates local wisdom and modern technology. The service activity was carried out in September 2024, with participants consisting of 35 people including the village head, village administrators and the local community. The method used in this activity is socialization carried out in the village head's office, followed by group discussions and regional zoning-based planning simulations. In this activity, participants are invited to understand the importance of regional planning to preserve nature while increasing agricultural productivity through appropriate zoning. This simulation allows participants to identify and map conservation, production and settlement areas that suit natural conditions and community needs. The results of this activity show that the people of Walelagama Village are starting to understand the concept of zoning-based regional planning, although there are several challenges that need to be overcome, such as limited technological infrastructure and differences in education levels between participants. Limited access to technology hampers people's ability to utilize data-based planning tools, while differences in education levels affect the level of understanding of the material presented. However, this program succeeded in increasing public awareness of the importance of planned and sustainable natural resource management. Overall, this service program makes a significant contribution in increasing the capacity of the Walelagama Village community in terms of managing natural resources based on regional planning. It is hoped that this activity can be the first step towards implementing better regional planning in the future, which will not only benefit the community, but also support sustainable environmental conservation. In addition, the results of this activity indicate the need for further support in the form of improved technological infrastructure and advanced training programs to ensure the sustainability of natural resource management at the community level.

Income Potential, Marketing Dynamics, and Agrotourism Opportunities of Smallholder Strawberry Vendors in Potikelek Traditional Market, Wamena City Difinubun, Muhamad Fagi; Kaharuddin, Kaharuddin
Unisia Vol. 43 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol43.iss1.art24

This study investigates the income potential, marketing dynamics, and agrotourism opportunities of smallholder strawberry vendors in Potikelek Traditional Market, Wamena City, Highland Papua Province, where highland conditions are well suited for horticultural production. The research aims to assess the profitability of strawberry vending within traditional markets, identify structural constraints, and explore its contribution to sustainable livelihoods and rural diversification. Employing a qualitative descriptive design, data were collected through structured interviews with fifteen vendors and direct observations of sales and market practices. Profit calculations were based on the relationship between total revenue, fixed costs, variable costs, and net income. The findings reveal that strawberry vending generates an average weekly profit of Rp 376,250, providing meaningful but fragile income largely managed by women vendors. Cost structures were dominated by variable expenses, particularly labor and planting materials, while access to capital remained limited, constraining opportunities for scaling. Marketing channels centered on direct sales, allowing some flexibility but restricting bargaining power and geographic reach. Post-harvest losses were frequent due to inadequate storage and preservation technologies, while consumer preferences emphasized freshness, firmness, and visual appeal. These results align with studies highlighting the potential of high-value horticultural crops in supporting rural incomes but also confirm persistent vulnerabilities caused by financial exclusion, infrastructure gaps, and weak market integration. The study concludes that strawberries hold promise not only as a supplementary livelihood source but also as a driver of agrotourism and regional identity if supported by policies enhancing credit access, post-harvest innovation, and market linkages.

Optimizing Digital Marketing Through Facebook Marketplace for MSMEs in Wamena City: Opportunities, Constraints, and Strategic Adaptation Difinubun, Muhamad Fagi
Unisia Vol. 43 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol43.iss1.art25

This study examines how micro, small, and medium enterprises in Wamena City, Highland Papua Province, Indonesia optimize digital marketing through Facebook Marketplace to overcome geographic isolation and expand their economic opportunities. The research aims to understand the extent of adoption, the strategies employed, and the barriers faced by entrepreneurs in this peripheral economy. A qualitative descriptive design was employed, drawing on semi-structured interviews with business owners and secondary data from scholarly and policy sources. Data were analyzed thematically to capture lived experiences, contextual challenges, and adaptive practices. The findings show that Facebook Marketplace and WhatsApp are the dominant platforms, enabling vendors to broaden market access, reduce spoilage of perishable goods, and enhance consumer engagement. Coffee producers, food vendors, and handicraft sellers reported tangible improvements in sales and visibility, supported by creative content and prompt customer interactions. However, weak internet infrastructure, uneven connectivity, and limited digital literacy hinder optimal use of advanced features such as targeted advertising and analytics. Training initiatives by government agencies, universities, and NGOs partially mitigate these gaps but remain inconsistent and unsustained. The discussion situates these findings within theoretical frameworks including the Resource-Based View and Dynamic Capabilities, underscoring how local enterprises adapt digital strategies under structural constraints. This study contributes to the literature by providing a context-specific account of digital marketing in a geographically remote region, highlighting both opportunities and limitations. The results carry practical and policy implications, emphasizing the need for infrastructure investment, continuous digital literacy training, and tailored support to ensure inclusive and sustainable digital transformation.

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