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All Journal J-CEKI Jurnal Cakrawala Akademika
Erni Zulaiha
Universitas Muhammadiyah Lampung
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Dampak Pembiayaan Mikro Syariah Dalam Meningkatkan Pendapatan Usaha Kecil Pada PT. BPRS Mitra Agro Usaha Erni Zulaiha; Ulil Albab; Ruslaini
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5584

Abstract

This research aims to evaluate the impact of Islamic microfinance distributed by PT. BPRS Mitra Agro Usaha on the income growth of small businesses. As a sharia-compliant financial institution focusing on SMEs, PT. BPRS Mitra Agro Usaha provides access to sharia-based financing for small business owners to expand and develop their businesses. This research uses qualitative and descriptive methods, focusing on the analysis of impacts on income, production capacity, distribution, and innovation after receiving financing.The research results indicate that Islamic microfinance received by small business owners significantly contributes to increasing income, expanding production capacity, and enhancing competitiveness through innovation. However, this research also reveals several challenges faced by PT. BPRS Mitra Agro Usaha, such as non-performing financing (NPF) risk and suboptimal financial management among business owners. To address these challenges, PT. BPRS Mitra Agro Usaha needs to improve risk assessment systems, strengthen digital services, and provide financial education for business owners.By overcoming these challenges, PT. BPRS Mitra Agro Usaha is expected to support the growth and development of SMEs in Indonesia through more effective and sustainable Islamic microfinance. The results of this research are expected to serve as a basis for developing better sharia financing policies to support local and national economic growth.
Membangun Kesadaran Dini: Pencegahan Pelecehan Seksual pada Anak SMP untuk Indonesia Emas 2045 Zahra Luthfiarli; Inzhagia Yuwinda Putri; Hidayatullah; Ira Santika; Syahriza Ariyo Pratama; Erni Zulaiha; Khairani
Jurnal Cakrawala Akademika Vol. 1 No. 3 (2024): Edisi September-Oktober
Publisher : PT. Pustaka Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70182/JCA.v1i3.9

Abstract

Salah satu aspek yang fundamental dalam pencegahan pelecehan seksual adalah edukasi seksual. Masalahnya adalah edukasi semacam ini di Indonesia sangat kurang. Tujuan penelitian ini adalah untuk mengkaji efektivitas program edukasi dengan media digital terhadap pemahaman dan kesadaran siswa mengenai pencegahan pelecehan seksual. Metode penelitian yang digunakan adalah kuantitatif berjenis eksperimen semu. Hasil penelitian menunjukkan adanya peningkatan pemahaman ataupun kesadaran diri siswa sebesar 21,8 poin. Penulis menyimpulkan bahwa program tersebut efektif sebagai salah satu langkah penting dalam membangun generasi yang sadar dan waspada terhadap pelecehan seksual.
Co-Authors Hidayatullah Inzhagia Yuwinda Putri Ira Santika Khairani Ruslaini Syahriza Ariyo Pratama Ulil Albab Zahra Luthfiarli