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All Journal Jurnal Cahaya Mandalika JOURNAL SCIENTIFIC OF MANDALIKA (JSM) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)
Lalu Adiyatma Taopikul Hadi
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Pengaruh Subsidi Pemerintah Terhadap Keberlanjutan Usaha Pedagang Kecil: Studi Pada Pasar Tradisional Dony Hidayat; Lalu Adiyatma Taopikul Hadi; Junaidin
Journal Scientific of Mandalika (JSM) e-ISSN 2745-5955 | p-ISSN 2809-0543 Vol. 5 No. 11 (2024)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/10.36312/vol5iss11pp450-456

Abstract

Small traders often face various challenges in developing their businesses, such as competition from modern retailers, limited capital, low access to technology, and lack of understanding in financial management and business management. This study aims to analyze the effect of government subsidies on the business sustainability of small traders in traditional markets. This study uses a quantitative approach with a sample of 100 people in Sweta Traditional Market, Mataram, West Nusa Tenggara from February to July 2024 who have received subsidies from the government. Descriptive analysis was used to describe the characteristics of respondents and simple linear regression analysis was used to test the effect of government subsidies on the sustainability of small traders' businesses. The results showed that government subsidies have a positive influence on the sustainability of small-scale traders' businesses (p-value 0.02). Thus, government subsidies have a positive effect on the sustainability of small traders' businesses in traditional markets, especially in improving profitability and competitiveness
Penentuan Harga Jual Rumah Subsidi melalui Akad Murabahah pada PT. Bank NTB Syariah Kantor Cabang Pejanggik Lalu Adiyatma Taopikul Hadi; Junaidin; Dony Hidayat
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 5 No. 2 (2024)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jcm.v5i2.3091

Abstract

Although it has not even been 3 years of cooperation, there have been many customers who have completed the murabahah KPR contract at Bank NTB Syariah, which is specifically located in Grand Muslim Housing, Terong Tawah. This research aims to determine the selling price of subsidized houses through a murabahah contract at PT. Sharia NTB Bank. This type of research is descriptive qualitative, the location and research information is taken purposively (designated), that is, those who are considered to be related to certain characteristics. The research was conducted at Bank NTB Syariah KC Pejanggik. The informants in this study were the leaders of Bank NTB Syariah KC Pejanggik, employees, and customers of KPR FLPP who made financing at PT Bank NTB Syariah. The research method used in this study consisted of observation, interviews, and documentation. Meanwhile, data analysis techniques are arranged through data collection, data reduction, data display, and verification. The results of this study indicate that 1). the determination of the subsidized home selling price (FLPP) at PT Bank NTB Syariah is the purchase price plus the profit margin that has been mutually agreed upon between the bank and the customer. 2). Financing products tapak sejahtera iB amanah at PT. Bank NTB Syariah is in accordance with the DSN-MUI fatwa No. 4 of 2000. So it can be stated that in determining the selling price of murabahah products it is in accordance with sharia principles or the DSN-MUI Fatwa
COMPARATIVE ANALYSIS OF DETERMINING PROFIT MARGINS FOR CANDLENUT PRODUCT SALES BETWEEN DOMESTIC AND EXPORT MARKETS FOR UMKM IN CENTRAL LOMBOK REGENCY Lalu Adiyatma Taopikul Hadi; Alfisahrin
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 3 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

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Abstract

This study compares product profit margins between the domestic and export markets of UMKM in Central Lombok. The analysis shows an average domestic margin of 5% (n=10, standard deviation 3%), while the export margin is significantly higher at 32% (n=1, standard deviation 5%). A t-test demonstrated a significant difference in margins (p-value <0.05). The export process requires more raw materials, but the profit potential is much greater. These findings can serve as a reference for UMKM in determining optimal candlenut marketing strategies. This is a comparative descriptive study using a quantitative approach. The study was conducted in Central Lombok Regency, West Nusa Tenggara Province. Data were obtained through structured interviews with UMKM to obtain information on production processes, pricing, marketing strategies, and profit margin calculations. A questionnaire was used to obtain data on production costs, selling prices, sales volumes, and profit margins.
Co-Authors Alfisahrin Hidayat, Dony Junaidin, Junaidin