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Peran fintech syariah dalam pengembangan UMKM syariah Pratama, Moch. Givan Andra; Anwar, Desy Rahmawati; Mahmud, Mahmud; Satriani, Satriani; Sukardi, Sukardi
YUME : Journal of Management Vol 7, No 3 (2024)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v7i3.7299

Fintech syariah, sebagai cabang dari teknologi finansial yang mematuhi prinsip-prinsip syariah, memainkan peran krusial dalam pengembangan UMKM syariah. Dengan semakin berkembangnya industri fintech syariah, berbagai isu terbaru muncul yang mempengaruhi cara fintech ini mendukung pertumbuhan UMKM syariah. Penelitian ini mengkaji isu terbaru, peluang, dan tantangan dalam penggunaan fintech syariah untuk pengembangan UMKM syariah serta strategi untuk mengatasi tantangan tersebut Kata Kunci: Fintech syariah , Pengembangan, UMKM syariah

Efektivitas Program Kredit Mikro terhadap Peningkatan Kewirausahaan dan Ekonomi Lokal di Wilayah Kota Makassar Abidin, Zainal; Salmia Jumri, Muhammad Aswar Darwis, Moch. Givan Andra Pratama,
YUME : Journal of Management Vol 8, No 1.1
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v8i1.8217

Penelitian ini bertujuan untuk menganalisis efektivitas Program Kredit Mikro terhadap peningkatan kewirausahaan dan perekonomian lokal di Kota Makassar. Program Kredit Mikro yang dilaksanakan oleh lembaga keuangan mikro memiliki tujuan untuk meningkatkan akses pembiayaan bagi masyarakat dengan kemampuan ekonomi terbatas, serta memperkuat usaha mikro, kecil, dan menengah (UMKM) sebagai pilar perekonomian daerah. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan desain survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada 100 responden yang merupakan pemilik UMKM penerima kredit mikro di wilayah Kota Makassar. Variabel yang diukur dalam penelitian ini meliputi peningkatan pendapatan usaha, ekspansi usaha, penyerapan tenaga kerja, dan dampak terhadap perekonomian lokal. Analisis data dilakukan dengan teknik regresi linier berganda untuk melihat hubungan antara penggunaan kredit mikro dan indikator-indikator ekonomi yang terkait.Hasil penelitian menunjukkan bahwa Program Kredit Mikro memberikan dampak positif yang signifikan terhadap peningkatan pendapatan dan ekspansi usaha. Sebanyak 68% responden melaporkan adanya peningkatan pendapatan bulanan setelah menerima kredit mikro, dengan rata-rata kenaikan sebesar 30%. Di sisi lain, 45% responden juga melaporkan adanya penambahan jumlah tenaga kerja pada usaha mereka. Meskipun demikian, penelitian ini juga mengidentifikasi tantangan dalam pelaksanaan program, seperti rendahnya keterampilan manajerial dan pemasaran di kalangan sebagian besar penerima kredit mikro, yang berdampak pada kelangsungan usaha mereka. Selain itu, meskipun terdapat peningkatan pada skala usaha, kontribusi Program Kredit Mikro terhadap perekonomian lokal masih terbatas, dikarenakan konsentrasi sektor usaha yang terbatas pada sektor perdagangan dan kuliner. Penelitian ini menyimpulkan bahwa meskipun Program Kredit Mikro berpotensi besar dalam meningkatkan kewirausahaan dan perekonomian lokal, efektivitasnya dapat ditingkatkan melalui pelatihan intensif dan pendampingan berkelanjutan bagi penerima kredit mikro, serta pengawasan yang lebih ketat terhadap penggunaan dana.Kata kunci: Kredit Mikro, Kewirausahaan, Ekonomi Lokal, UMKM,

Lecturer Learning Development Model Based on E-Learning and Self-Directed Learning to Improve Adaptation to Changes in the Higher Education Curriculum in South Sulawesi Makkuradde, Andi Syahrul; Asy’ari, Abu Hasan; Pratama, Moch. Givan Andra; Abidin, Zainal; Sudirman, Sudirman
International Journal on Advanced Science, Education, and Religion Vol 8 No 2 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i2.1146

This study develops and tests lecturer learning models based on e-learning and self-directed learning (SDL) to improve adaptation to curriculum changes in South Sulawesi universities, Indonesia. With a research and development (R&D) approach using the ADDIE framework, the research involved 120 lecturers from various universities. Data were collected through questionnaires, interviews, observations, and expert validation, and analyzed using descriptive statistics, t-tests, ANOVA, and thematic analysis. The developed model consists of four main components: (1) microlearning modules tailored to curriculum reform needs, (2) Digital Pedagogy Toolkit to support innovative teaching practices, (3) Community of Practice (CoP) for peer collaboration, and (4) Monitoring & Analytics Dashboard for data-driven feedback. The validation results showed high feasibility and relevance, while the effectiveness testing showed a significant increase in pedagogical competence, technological readiness, and proactive attitude of lecturers in adapting. Qualitative findings reveal increased motivation, collaborative engagement, and confidence of participants. This model has proven effective in encouraging the independent professional development of lecturers based on technology, with practical implications for integration into college professional development programs. Recommendations include infrastructure support, differential learning pathways, and participation incentives. Follow-up research is recommended to evaluate long-term impacts, adaptations in various contexts, and measurement of student learning outcomes.

Lecturer Learning Development Model Based on E-Learning and Self-Directed Learning to Improve Adaptation to Changes in the Higher Education Curriculum in South Sulawesi Makkuradde, Andi Syahrul; Asy’ari, Abu Hasan; Pratama, Moch. Givan Andra; Abidin, Zainal; Sudirman, Sudirman
International Journal on Advanced Science, Education, and Religion Vol 8 No 2 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i2.1146

This study develops and tests lecturer learning models based on e-learning and self-directed learning (SDL) to improve adaptation to curriculum changes in South Sulawesi universities, Indonesia. With a research and development (R&D) approach using the ADDIE framework, the research involved 120 lecturers from various universities. Data were collected through questionnaires, interviews, observations, and expert validation, and analyzed using descriptive statistics, t-tests, ANOVA, and thematic analysis. The developed model consists of four main components: (1) microlearning modules tailored to curriculum reform needs, (2) Digital Pedagogy Toolkit to support innovative teaching practices, (3) Community of Practice (CoP) for peer collaboration, and (4) Monitoring & Analytics Dashboard for data-driven feedback. The validation results showed high feasibility and relevance, while the effectiveness testing showed a significant increase in pedagogical competence, technological readiness, and proactive attitude of lecturers in adapting. Qualitative findings reveal increased motivation, collaborative engagement, and confidence of participants. This model has proven effective in encouraging the independent professional development of lecturers based on technology, with practical implications for integration into college professional development programs. Recommendations include infrastructure support, differential learning pathways, and participation incentives. Follow-up research is recommended to evaluate long-term impacts, adaptations in various contexts, and measurement of student learning outcomes.

Lecturer Learning Development Model Based on E-Learning and Self-Directed Learning to Improve Adaptation to Changes in the Higher Education Curriculum in South Sulawesi Makkuradde, Andi Syahrul; Asy’ari, Abu Hasan; Pratama, Moch. Givan Andra; Abidin, Zainal; Sudirman, Sudirman
International Journal on Advanced Science, Education, and Religion Vol 8 No 2 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i2.1146

This study develops and tests lecturer learning models based on e-learning and self-directed learning (SDL) to improve adaptation to curriculum changes in South Sulawesi universities, Indonesia. With a research and development (R&D) approach using the ADDIE framework, the research involved 120 lecturers from various universities. Data were collected through questionnaires, interviews, observations, and expert validation, and analyzed using descriptive statistics, t-tests, ANOVA, and thematic analysis. The developed model consists of four main components: (1) microlearning modules tailored to curriculum reform needs, (2) Digital Pedagogy Toolkit to support innovative teaching practices, (3) Community of Practice (CoP) for peer collaboration, and (4) Monitoring & Analytics Dashboard for data-driven feedback. The validation results showed high feasibility and relevance, while the effectiveness testing showed a significant increase in pedagogical competence, technological readiness, and proactive attitude of lecturers in adapting. Qualitative findings reveal increased motivation, collaborative engagement, and confidence of participants. This model has proven effective in encouraging the independent professional development of lecturers based on technology, with practical implications for integration into college professional development programs. Recommendations include infrastructure support, differential learning pathways, and participation incentives. Follow-up research is recommended to evaluate long-term impacts, adaptations in various contexts, and measurement of student learning outcomes.

HUKUM DAN ETIKA BISNIS DALAM PRAKTIK PERDAGANGAN MODERN DI INDONESIA Reka Ruslan; Moch. Givan Andra Pratama; Muh. Reza Zulfikar; Sutrisno Syarifuddin
LEGALITAS : Jurnal Ilmiah Ilmu Hukum Vol 11, No 1 (2026)
Publisher : Universitas 17 Agustus 1945 Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31293/lg.v11i1.9475

Business law and ethics are two essential elements in conducting economic activities in the modern era. Law serves as a normative framework governing the relationships between businesses, consumers, andthe state, while business ethics serve as moral standards that determine whether business conduct is right or wrong. In practice, various business violations such as breach of contract, fraud, unfair competition, monopolies, labor exploitation, and violations of consumer rights demonstrate that compliance with the law alone is insufficient without ethical awareness. This study aims to analyze the relationship between law and business ethics in modern trade practices in Indonesia, as well as to examine the urgency of applying ethical principles in creating a healthy and just business climate. The research method used is normative legal research with a legislative approach and a conceptual approach. The results of the study indicate that law and business ethics have a complementary relationship. Law provides coercive sanctions, while ethics shapes the moral consciousness of business actors to conduct business honestly, fairly, and responsibly. Therefore, the integration of law and business ethics is essential to realize sustainable trade practices oriented toward social justice.

TINGKAT PENGARUH PROFESIONALISME DAN PENGEMBANGAN KARIR SUMBER DAYA MANUSIA TERHADAP KINERJA PEGAWAI BKPSDMD KABUPATEN WAJO Salmia Jumri; Rosmayani Rosmayani; Rr Retno Wulansari Kus; Reka Ruslan; Andi Mappellawa
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 5 No 1 (2026): hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v5i1.447

This study was designed to examine how professionalism and career development can influence employee performance at the Wajo Regency Human Resources Development Agency (BKPSDMD). Employee performance in the public sector depends not only on target achievement but also on individual capacity, including competence, efficiency, effectiveness, and responsibility. Career development is a crucial component that can increase employee productivity through clear career paths, training opportunities, and improved work quality. Quantitative associative analysis and descriptive data analysis were used for data analysis. This study utilized primary data in the form of respondent responses with a total sample of 81 individuals. The data were processed using IBM SPSS 26. The results indicate that (1) Human Resource Development at the Wajo Regency BKPSDMD Office is in the very good category, (2) Employee Performance at the Wajo Regency BKPSDMD is in the very good category, and (3) there is a positive influence between Human Resource Development and Employee Performance at the Wajo Regency BKPSDMD. Data analysis used multiple linear regression to determine the level of influence of Employee Professionalism and HR Career Development on employee performance.

TINGKAT PENGARUH MOTIVASI KERJA DAN GAYA KEPEMIMPINAN TERHADAP KINERJA TENAGA PENDIDIK DI SMP NEGERI 3 POLEWALI KABUPATEN POLEWALI MANDAR Moch. Givan Andra Pratama; Reka Ruslan; Andi Mappellawa; Sudirman Sudirman; Hamri Hamri
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 4 No 2 (2025): Hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v4i2.349

This study aims to: a) determine the influence of work motivation on teacher performance; b) determine the influence of leadership style on teacher performance; and c) determine the influence of work motivation and leadership style on teacher performance. The research location was State Junior High School 3 Polewali in Polewali Mandar Regency, West Sulawesi Province. The population in this study was all 37 teachers. Data analysis methods used were validity tests, reliability tests, partial correlation methods, correlation coefficients, and coefficients of determination. Hypothesis testing was conducted using multiple linear regression methods, including the T-test and F-test. The results of the study indicate that: a) Work motivation does not significantly influence teacher performance at State Junior High School 3 Polewali; b) Leadership style has a positive and significant influence on teacher performance at State Junior High School 3 Polewali; and c) Work motivation and leadership style do not significantly influence teacher performance at State Junior High School 3 Polewali.

TINGKAT PENGARUH KUALITAS PELAYANAN DAN KUALITAS PRODUK TERHADAP LOYALITAS PELANGGAN DIMEDIASI KEPUASAN PELANGGAN SOP SAUDARA TAMALANREA MAKASSAR Reka Ruslan; Moch. Givan Andra Pratama; Andi Mappellawa; Hamri Hamri; Rifqah Ramdhana Jufri
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 5 No 1 (2026): hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v5i1.474

This study aims to analyze and determine the effect of service quality and product quality on customer loyalty, mediated by customer satisfaction at the SOP of Saudara Tamalanrea Makassar. This study employed a quantitative approach. Data collection involved distributing questionnaires to 100 respondents using purposive sampling. The data analysis technique used in this study was Partial Least Squares (PLS) with SmartPLS software as a supporting instrument. The results of this study indicate that service quality and product quality significantly influence customer loyalty. Customer satisfaction significantly influences customer loyalty. Service quality and product quality significantly influence customer satisfaction.

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