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All Journal Journal of Islamic Economics and Finance Studies Jurnal Masyarakat Religius dan Berwawasan
Aprilian, Rifky Zahrul
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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Assistance with Simple Bookkeeping Concepts and Marketing Strategy Innovation as Steps for Sustainability of UMKM "Gelora" Dumpling Skin Noodle Factory, Sidorahayu Village Nurcahyadi, Khafid; Aprilian, Rifky Zahrul; Almaas, Ahmad Hamman; Alhuda, Aliyuddin
Jurnal Masyarakat Religius dan Berwawasan Vol 3, No 2 (2024): Masyarakat Religius dan Berwawasan
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/marawa.v3i2.11872

Abstract

This research was conducted at the UMKM noodle and dumpling skin factory "Gelora" Sidorahayu Village, Wagir District. The purpose of writing this article is to find out the impact that the UMKM noodle and dumpling skin factory "Gelora" had after receiving socialization on simple bookkeeping including cash in and out reports, profit and loss reports and marketing strategy assistance including product photos, product price list designs and business logo designs. initiated by the 213 KKM UIN Maulana Malik Ibrahim Malang group, Sidorahayu Village. The author found the fact that the owner only carried out rough and unsystematic calculations regarding cash inflow and outflow and calculating product selling prices. The same thing also happened with the marketing strategy carried out by the owner which was less than optimal in implementing an effective marketing strategy to increase sales volume. The author hopes that after this socialization process the owner will be able to implement a better and more systematic bookkeeping system and also a marketing strategy that is suitable for the business base for the sustainability of this UMKM business.
NPF of Islamic Rural Banks in Indonesia: Do Socio-Economic Factors and Bank Performance Matter? Aprilian, Rifky Zahrul; Sudarmawan, Barianto Nurasri
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.10307

Abstract

This study focuses on the analysis of socio-economic factors and bank characteristics that affect non-performing financing (NPF) in Islamic Rural Banks (BPRS) in Indonesia. The main problem raised is the high level of NPF which can threaten the financial stability of BPRS, even though financial inclusion continues to increase. The study uses the Panel Data Regression method, utilizing a sample of 139 BPRS registered with the Financial Services Authority (OJK) during the period 2015-2024. The results of the study show that economic inequality and operational efficiency have a significant effect on NPF, while the unemployment rate, GDP, and Financing to Deposit Ratio (FDR) do not show a significant effect. Capital Adequacy Ratio (CAR) and Return on Assets (ROA) are proven to have a significant impact on reducing the risk of non-performing financing. This finding emphasizes the importance of managing these variables to support the sustainability of BPRS in supporting financial inclusion and preventing the risk of bankruptcy.   Penelitian ini berfokus pada analisis faktor-faktor sosial ekonomi dan karakteristik bank yang memengaruhi pembiayaan bermasalah (Non-Performing Financing/NPF) pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia. Permasalahan utama yang diangkat adalah tingginya tingkat NPF yang dapat mengancam stabilitas keuangan BPRS, meskipun inklusi keuangan terus meningkat. Penelitian menggunakan metode Regresi Data Panel, dengan memanfaatkan sampel dari 139 BPRS yang terdaftar di Otoritas Jasa Keuangan (OJK) selama periode 2015-2024. Hasil penelitian menunjukkan bahwa ketimpangan ekonomi dan efisiensi operasional memiliki pengaruh signifikan terhadap NPF, sementara tingkat pengangguran, GDP, dan Financing to Deposit Ratio (FDR) tidak menunjukkan pengaruh signifikan. Capital Adequacy Ratio (CAR) dan Return on Assets (ROA) terbukti memiliki dampak signifikan dalam mengurangi risiko pembiayaan bermasalah. Temuan ini menegaskan pentingnya pengelolaan variabel-variabel tersebut untuk mendukung keberlanjutan BPRS dalam mendukung inklusi keuangan dan mencegah risiko kebangkrutan.
Assistance with Simple Bookkeeping Concepts and Marketing Strategy Innovation as Steps for Sustainability of UMKM "Gelora" Dumpling Skin Noodle Factory, Sidorahayu Village Nurcahyadi, Khafid; Aprilian, Rifky Zahrul; Almaas, Ahmad Hamman; Alhuda, Aliyuddin
Jurnal Masyarakat Religius dan Berwawasan Vol 3, No 2 (2024): Masyarakat Religius dan Berwawasan
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/marawa.v3i2.11872

Abstract

This research was conducted at the UMKM noodle and dumpling skin factory "Gelora" Sidorahayu Village, Wagir District. The purpose of writing this article is to find out the impact that the UMKM noodle and dumpling skin factory "Gelora" had after receiving socialization on simple bookkeeping including cash in and out reports, profit and loss reports and marketing strategy assistance including product photos, product price list designs and business logo designs. initiated by the 213 KKM UIN Maulana Malik Ibrahim Malang group, Sidorahayu Village. The author found the fact that the owner only carried out rough and unsystematic calculations regarding cash inflow and outflow and calculating product selling prices. The same thing also happened with the marketing strategy carried out by the owner which was less than optimal in implementing an effective marketing strategy to increase sales volume. The author hopes that after this socialization process the owner will be able to implement a better and more systematic bookkeeping system and also a marketing strategy that is suitable for the business base for the sustainability of this UMKM business.
Co-Authors Alhuda, Aliyuddin Almaas, Ahmad Hamman Barianto Nurasri Sudarmawan Nurcahyadi, Khafid