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All Journal Jurnal Ilmiah Wijaya Jurnal Riset Multidisiplin : Agrisosco
Fatimah, ST
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences

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Journal : Jurnal Riset Multidisiplin : Agrisosco

 1 
Peranan Kredit Usaha Rakyat (KUR) Terhadap Pengembangan UMKM Di Kabupaten Sinjai Alfira, Alfira; Nurdin, Fadilah; Hikmah, Aulia Nurul; Yudiyanti, Ervina; Gustiana, Gustiana; Fatimah, St; Asmiranda, Asmiranda
Jurnal Riset Multidisiplin Agrisosco Vol 1, No 3 (2023): Vol 1 No 3 Desember 2023
Publisher : Lembaga Penelitian, Pengembangan, Pemberdayaan Potensi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61316/jrma.v1i3.21

Abstract

MSMEs in Sinjai Regency face capital-related challenges hindering their business development and growth. Consequently, government intervention is imperative to address these issues. Kredit Usaha Rakyat (KUR) is a government program aimed at empowering MSMEs. This research aims to investigate the distribution procedures and the role of KUR in fostering MSME development in Sinjai Regency, utilizing a qualitative approach with a focus on fieldwork. The findings reveal a two-stage process for obtaining KUR: initial application and subsequent repayment. Mandiri Bank offers tailored credit limits to match the needs and business types of MSMEs, thereby preventing default risks. Moreover, KUR significantly contributes to enhancing MSME profitability, increasing income levels, and improving overall performance. These outcomes underscore the crucial role of KUR in advancing MSMEs in Sinjai Regency, thereby facilitating economic growth and sustainability at the local level.
PERAN MODAL SOSIAL DALAM PENINGKATAN EFEKTIFITAS KERJA KARYAWAN INDUSTRI RUMAHAN TEMPE DAN TAHU DI KECAMATAN SINJAI UTARA Hikmah, Aulia Nurul; Asma, Annisa Fahira; Salmawati, Salmawati; Fatimah, St; Zalsabila, Annisa; Ardiansya, Ardiansya
Jurnal Riset Multidisiplin Agrisosco Vol 3, No 1 (2025): Vol 3 No 1 April 2025
Publisher : Lembaga Penelitian, Pengembangan, Pemberdayaan Potensi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61316/ajrm.v3i1.110

Abstract

This study examines the role of social capital in improving the work effectiveness of tempeh and tofu home industry employees in North Sinjai District. The research used a qualitative approach with data collection techniques through interviews, observations, and questionnaire tools involving 30 business actors and 30 employees. The results showed that social capital, including social networks, trust, and cooperation norms, improved work effectiveness.  The results revealed that social capital, including social networks (kinship), trust, and the value of cooperation, is essential in encouraging work productivity and efficiency. 25 tofu and tempeh home industries (83%) apply family-based social networks to facilitate labor recruitment and raw material distribution, while trust (73%) between business owners and employees can reduce formal supervision. In addition, the tradition of gotong royong (70%) is applied to accelerate work completion and strengthen solidarity among workers.
Co-Authors alfira, alfira Ardiansya, Ardiansya Asma, Annisa Fahira Asmiranda, Asmiranda Aulia Nurul Hikmah Chuchum Sumiarty Djanatunisah, Aat Esni Br. Siagian, Juni Gustiana Gustiana, Gustiana Nurdin, Fadilah Salmawati Salmawati, Salmawati Tsani Musyafa, Mohammad Yudiyanti, Ervina Zalsabila, Annisa