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Microfinance Innovation For Strengthening Rural Economies And Its Implications On Community Welfare I Nengah Suarmanayasa; Rizal Perlambang CNAWP2; Hajar Mukaromah; Siti Aisyah; Eva Yuniarti Utami
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8074

Abstract

This qualitative study examines the role of microfinance innovations in strengthening rural economies and improving community welfare. Despite the critical importance of microfinance in promoting financial inclusion, traditional models often struggle to meet the unique needs of rural populations. Through in-depth interviews and focus group discussions conducted in three rural villages, this research explores how innovative financial products-such as digital lending platforms, flexible savings schemes, and group-based lending models-enhance access to financial services for underserved rural residents. The findings indicate that these innovations facilitate entrepreneurial activities, diversify income sources, and improve household welfare by enabling better access to education, healthcare, and nutrition. Additionally, the study highlights the social benefits of microfinance innovations, including strengthened community cohesion and mutual support networks. However, challenges such as limited digital literacy and infrastructural constraints remain significant barriers to fully realizing the potential of these innovations. The study underscores the necessity of context-specific financial solutions and complementary capacity-building initiatives to optimize the impact of microfinance in rural areas. Policy implications emphasize the need for integrated approaches involving microfinance institutions, local governments, and communities to scale sustainable and inclusive financial innovations. This research contributes to the broader discourse on rural development by demonstrating that innovative microfinance models can serve as effective tools for poverty alleviation and socio-economic empowerment in rural contexts.
Penentuan Harga Jual Kerupuk Bawang Berdasarkan Pengadopsian Metode BOW Dan Analisa Lapangan: Sentra Produksi Kerupuk Lingkungan Mangli, Kabupaten Jember CNAWP, Rizal Perlambang; Abdurahman, Alwan
Jurnal Manajemen Agribisnis dan Agroindustri Vol. 1 No. 1 (2021): June
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (462.206 KB) | DOI: 10.25047/jmaa.v1i1.2

Abstract

Penelitian ini dilakukan untuk menganalisis dan menguji penentuan koefisien harga satuan upah, bahan dan alat berdasarkan pengadopsian metode BOW (Burgerlijke Openbare Werken). Penelitian ini juga dilakukan untuk mengembangkan pengadopsian metode dalam perhitungan koefisien harga satuan dalam proses produksi. Temuan penelitian ini menunjukkan kontribusi penting koefisien dasar sebagai acuan atau standart perhitungan dalam manajemen produksi, serta kesesuaian produksi yang berada di lapangan. Perolehan harga pokok produksi dan harga jual yang didapat itu lebih terperinci dan akurat atas standart produksi yang telah diperoleh dalam penentuan koefisien harga satuan.
Peranan Strategi Pemasaran Dalam Upaya Meningkatkan Penjualan UD. Tahu Uap Barokah di Kecamatan Rambipuji Kabupaten Jember Furensa, Salsabilla Putri; Ambarkahi, Ratih Puspitorini Yekti; Gemaputri, Ariesia Ayuning; Hidayat, Taufik; Abdurrahman, Alwan; Subagiyo, Amar; CNAWP, Rizal Perlambang
Jurnal Manajemen Agribisnis dan Agroindustri Vol. 2 No. 1 (2022): June
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/jmaa.v2i1.23

Abstract

Lokasi penelitian bertempat di UD. Tahu Uap Barokah Kecamatan Rambipuji Kabupaten Jember. Penelitian ini bertujuan untuk: (1) Menganalisis faktor yang menjadi kekuatan (strengths), kelemahan (weaknesses), peluang (opportunities), dan ancaman (threats) pada pemasaran tahu UD. Tahu Uap Barokah di Kecamatan Rambipuji Kabupaten Jember, (2) Merumuskan alternatif strategi pemasaran tahu yang tepat pada UD. Tahu Uap Barokah di Kecamatan Rambipuji Kabupaten Jember, (3) Menentukan prioritas strategi pemasaran tahu yang sesuai pada UD. Tahu Uap Barokah di Kecamatan Rambipuji Kabupaten Jember. Teknik analisis yang digunakan adalah analisis SWOT dan analisis QSPM. Hasil analisis SWOT menunjukkan bahwa posisi perusahaan berada pada sel V dimana strategi yang tepat digunakan adalah strategi menjaga dan mempertahankan melalui strategi penetrasi pasar, pengembangan pasar ataupun produk. Berdasarkan hasil analisis QSPM, dari sembilan alternatif strategi yang telah dibuat terdapat satu alternatif strategi yang paling diminati dan memiliki nilai prioritas tertinggi yaitu meningkatkan kualitas produk dan mempertahankan harga agar mampu bersaing dengan skor TAS sebesar 4,42.
The Effect of Temperature on the Length of Anesthesia for Prospective Male Tilapia Mothers Anjarsari, Ria Tri; CNAWP, Rizal Perlambang; Gemaputri, Ariesia Ayuning
Jurnal Manajemen Agribisnis dan Agroindustri Vol. 3 No. 2 (2023): December
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/jmaa.v4i1.84

Abstract

This research was conducted at the Jember State Polytechnic on 05 November - 12 November 2022. The aim of this research was to observe the time to faint and the time to recover consciousness by administering different temperatures to obtain the optimal temperature or ideal temperature for prospective male tilapia broodstock. Stunning fish using direct drop is a natural anesthetic technique used in fish transportation. In this study, the temperatures used were 3°C, 5°C, 7°C and 9°C per 10 liters of water. The tilapia fish used were 32 prospective male tilapia parents weighing 250 grams which had been aged for a day before being used as test animals. The results of the study showed that the best treatment was shown by P4 (9°C) with a fainting time of 226.25 seconds and a recovery time of 382.00 (seconds).
Business Feasibility Analysis in Agribusiness: Case Study on Sustainable Agriculture Sector CNAWP, Rizal Perlambang
Maneggio Vol. 2 No. 2 (2025): Maneggio-Apr
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/tkja1526

Abstract

This study aims to analyze the business feasibility in the sustainable agriculture sector through a case study of organic farming enterprises in Indonesia. This research employs a descriptive qualitative approach with a case study method to explore in depth the market, technical, financial, environmental, and social aspects of sustainable agricultural practices. Data were collected through in-depth interviews, direct observation, and documentation, which were then analyzed using business feasibility analysis. The results of the study show an increasing demand for environmentally friendly organic products, both in local and international markets, although challenges remain in production capacity and access to financing. Technically, the use of eco-friendly technologies and sustainable farming practices can reduce negative environmental impacts. From a social perspective, this business contributes to improving farmers' welfare and empowering local communities. Nevertheless, business development requires support from various stakeholders to overcome existing obstacles and scale up the enterprise.
The Role of Artificial Intelligence in Financial Risk Management in Fintech Companies Anita, Siska Yuli; Kamal, Irsyad; Judijanto, Loso; Chandra, Johnny; NAWP, Rizal Perlambang C
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 1 (2024): VOL. 6, NO. 1 (2025): JE3S, MARCH 2025
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v6i1.7695

Abstract

This study aims to examine the impact of the application of Artificial Intelligence (AI) in financial risk management in FinTech companies. With the increasing reliance on technology, AI has great potential in managing various types of risks, such as credit, market and liquidity risks. This study uses a quai-experimental approach by comparing two groups of companies, namely companies that use that do not use AI. The data collected included the level of non-performing (NPLs), market value fluctuations, and liquidity stability, which were analyzed using t-test and ANOVA to identify significant differences between the two groups. The results showed that companies that implemented AI experienced a significant decrease in bad debt rates, more manageable market values fluctuations, and improved liquidity stability. However, the main challenges faced in implementing AI include limited quality data technological comnpetency, and regulatory compliance. Overall, this study reveals that the application of AI can improve the effetiveness of financial risk management in FinTech firms, but requires investment in employee training, technological infrastructure development, and attentionto regulatory aspects to maximize the benefits. 
Pendampingan Pembuatan Pakan Ayam Kampung di UD Berkah Jaya Desa Baratan Kecamatan Patrang Kabupaten Jember: Pengabdian Huda Ahmad Hudori; Rizal Perlambang CNAWP; Datik Lestari; Dyah Kusuma Wardani; Paramita Andini; Fredy Eka Ardhi P; Deltaningtyas Tri C
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 3 No. 4 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 3 Nomor 4 (April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v3i4.944

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UD Berkah Jaya is one of the small company located in Jember Regency, precisely in the village of Baratan, Patrang District. The pandemic conditions in early 2020 made UD Barokah's efforts in producing incense to stop because it could not send its products to the island of Bali. The business owner has a plan to replace the incense production into kampung chicken feed, but the owner does not have the ability to make animal feed, so he needs training and assistance from experts from the Jember State Polytechnic to make animal feed. This service program will be carried out by providing assistance in the manufacture and production of kampung chicken feed. It is hoped that this activity will increase the knowledge and skills of UD Berkah Jaya to be able to produce kampung chicken feed independently. The implementation of this community service activity includes the following activities: Survey of service locations, discussions with owners, preparing materials for training in making kampung chicken feed, training on feed packaging and marketing, coordinating and evaluating the results of service implementation, making service reports, journal articles and print media. /electronic results of dedication. This activity will be carried out for 6 (six) months from June 2023 to November 2023.
PERAN EKONOMI KREATIF DALAM MENINGKATKAN PEMBERDAYAAN SOSIAL KOMUNITAS LOKAL Perlambang , Rizal; MS, Syaifullah; Thalib, Najdah; Santoso, Cahyo Budi; Prilosadoso, Basnendar Herry
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1683

Abstract

In the current era of globalization and digitalization, economic development does not only focus on the industrial and agricultural sectors, but also leads to the development of the creative economy sector. The creative economy, which is based on ideas, creativity and innovation, has become a new driving force in encouraging inclusive and sustainable economic growth. The aim of this research is to determine the role of the creative economy in increasing the social empowerment of local communities. The research uses a qualitative approach with a case study design. The analysis process includes coding data, identifying themes, and interpreting findings in the context of community empowerment through local skills. Triangulation of data sources and member check techniques are used to increase the credibility of research results. The results of this research found that the creative economy has a broad scope and a significant contribution to various aspects of the economy in Indonesia, especially in terms of increasing Gross Domestic Product (GDP), creating jobs, increasing tourism, and empowering local communities. In this section, we will discuss in more depth the role of creative economics in increasing the empowerment of local communities, its impact on job creation, its relationship with the tourism sector, as well as the opportunities and challenges faced by this sector in Indonesia.
Analisis Bibliometrik Tren Global Kajian Efisiensi Produksi Susu Sapi Perah Malika, Uyun Erma; Sumarlina, Sumarlina; Wijaya, Jemi Cahya Adi; CNAWP, Rizal Perlambang; Putra, Mohammad Edwinsyah Yanuan
Mimbar Agribisnis : Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Vol 11, No 2 (2025): Juli 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ma.v11i2.18363

Abstract

Milk is one of the important food sources for the community. Therefore, studies on the development of dairy cow milk production businesses have been carried out quite a lot, both nationally and globally. This study aims to determine the global trend of dairy cow milk production efficiency studies conducted using the bibliometric analysis method. The data used are scientific publications indexed on Google Scholar during the period 2014 - 2024 using the help of Publish or Perish, Mendeley Reference Manager, and VOSviewer software. The results of the study showed that publications related to dairy cow milk production efficiency studies has a positive trend with a tendency for study areas that can be grouped into socio-economic, production, environmental, and technology. In addition, there is a shift in the grouping of keywords used, namely that recent research focuses more on the quantity and quality of milk influenced by the treatment and formulation of feed in dairy cattle. The most widely used efficiency analysis research methods are Stochastic Frontier Analysis, Data Envelopment Analysis, and Cobb-Douglass Production Function. The results of this study provide an overview of further research opportunities related to dairy cow milk production efficiency with methods according to the needs.
Pengembangan Teaching Factory Agribusiness Center Melalui Pendampingan Penyusunan SOP Pengelolaan Usaha Widyatami, Linda Ekadewi; Anggraeni, Oktanita Jaya; Malika, Uyun Erma; CNAWP, Rizal Perlambang
SEJAGAT : Jurnal Pengabdian Masyarakat Vol. 1 No. 3 (2025): February
Publisher : P3M Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/sejagat.v1i3.5702

Abstract

TEFA Agribusiness Center diinisiasi oleh Jurusan Manajemen Agribisnis dengan bidang fokus jasa pemasaran (bisnis ritel) produk-produk agribisnis. Permasalahan pada TEFA Agribusiness Center antara lain yaitu: TEFA Agribusiness Center belum memiliki Standard Operating Prosedure (SOP) dalam menjalankan pengelolaan TEFA. Mitra belum memiliki SOP yang seharusnya diterapkan pada usaha pemasaran (bisnis ritel); serta TEFA Agribusiness Center belum memiliki sarana dan prasarana yang memadai, seperti rak gondola dan freezer untuk menjalankan kegiatan pemasarannya. Pada kegiatan pengabdian masyarakat ini, untuk mengatasi permasalahan yang dihadapi oleh mitra, tim pelaksana pengabdian melakukan kegiatan yaitu: (1) Pendampingan penyusunan Standart Operating Prosedure (SOP) pengelolaan TEFA Agribusiness Center. yaitu meliputi: SOP Kemitraan dengan Pemasok Produk, SOP Penerimaan Produk, SOP Stock Opname Produk, SOP Penataan Produk; dan SOP Penjualan Produk; serta (2) melakukan pengadaan fasilitas yang dibutuhkan mitra untuk kegiatan usaha pemasarannya, yaitu rak gondola dan frezer. Hasil kegiatan pendampingan pembuatan SOP menunjukkan hasil yang sangat baik dengan indikator keberhasilan sesuai dengan pedoman peyusunan SOP Politeknik Negeri Jember dimana unsur inti SOP meliputi bagian identitas dan bagian flowchart. Berdasarkan hasil evaluasi dapat disimpulkan bahwa kegiatan pendampingan penyusunan SOP memberikan peningkatan kemampuan dan ketrampilan bagi pengelola TEFA Agribusiness Center.
Co-Authors - Fransiska Abdurrahman, Alwan Ahmad Ahsin Kusuma Ahmad Haris Hasanuddin Slamet Aiman Fariq Akbar Maulana Firmansyah Alwan Abdurahman Ambarkahi, Ratih Puspitorini Yekti Ana Yuliana Andi Zulkarnain Andini, Paramita Anjarsari, Ria Tri Ardhitya Alam Wiguna Arifhan Ady Dj Bagus Putu Yudhia Kurniawan Basir, Badirun Budi Prasetyo Budi Prasetyo Budi Prasetyo Cahyo Budi Santoso Datik Lestari Datik Lestari Deltaningtyas Tri C Dewi Kurniawati Dewi Kurniawati Djamali, Abdoel Doddy Ismunandar Bahari Dyah Kusuma Wardani Eka Apriyanti Eka Sriwahyuni Erma Malika, Uyun Eva Yuniarti Utami Evi Sirait Fairuz Nadhifah Fariq, Aiman Firmansayah, M. Yudi Fredy Eka Ardhi P Fredy Eka Ardhi Pratama Furensa, Salsabilla Putri Gemaputri, Ariesia Ayuning Hajar Mukaromah Hudori, Huda Ahmad I Nengah Suarmanayasa Ida Adha AP Irsyad Kamal Irsyad Kamal Iswanto Johnny Chandra Judijanto, Loso Krismiratsih, Fitri Lia Chairina, Raden Roro Loso Judijanto Luluk Cahyo Wiyono M. Rizal Umami malika, uyun erma Marniati Syam Mira Andriani Mitra Musika Lubis Mohammad Edwinsyah Yanuan Putra Muhammad Fatkhurohman Albashori Muhammad Rispan Affandi Naning Retnowati Nofirman, Nofirman Oktanita Jaya A. Oktanita Jaya Anggraeni Oktanita Jaya Anggraeni Prilosadoso, Basnendar Herry Putri Rahayu Ratri Rahman, Rashid Ramdan Yusuf Randi Rashid Rahman Retno Sari Mahanani Retnowati, Naning Salihati Hanifah Siska Yuli Anita Siti Aisyah Smita Catur Sudyantara Subagiyo, Amar Sumarlina Sumarlina Sumarlina Sumarlina Sundari, Sri Sutantio, Alamsyah Syaifullah MS Taufik Hidayat Thalib, Najdah Theo Mahiseta Syahniar Tia Sofiani Napitupulu Uyun Erma Malika Uyun Erma Malika Uyun Erma Malika Wenny Dhamayanthi Widyatami, Linda Ekadewi Wijaya, Jemi Cahya Adi Yusda, Desi Derina Yusnia Sinambela