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All Journal J-ESA (Jurnal Ekonomi Syariah) Abdimas Indonesian Journal Jurnal Ngejha
Anas, Achmad Tarmidzi
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences

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Financial Literacy Guidance Services for Children of Migrant Workers in Bangserreh Village Pamekasan Madura Anas, Achmad Tarmidzi
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.v4i2.523

Abstract

The financial literacy mentorship program for children of migrant worker families in Bangserreh Village aims to improve the financial understanding and skills of children from migrant worker families. The program's main objective is to teach essential financial management, including budgeting, saving, and investment, and establish positive financial habits among participants. The approach used is Asset-Based Community-Driven Development (ABCD), which emphasizes the empowerment of local potential and community participation in the learning process. The program was implemented over four meetings with mentoring stages, including an introduction to financial literacy, budgeting, saving, investment, simulation practice, and group discussions. Evaluation results showed a significant increase in understanding, with 80% of participants able to categorize the use of their pocket money, 75% understanding the importance of saving, and 70% practicing more structured pocket money management. The socio-economic impact is also reflected in the increased involvement of migrant families in the local economy and family financial management. Before the program, only 40% of families had a monthly budget; this figure increased to 65% after program implementation. In addition, 70% of migrant families are now better able to save regularly and avoid consumptive debt. Overall, the program makes a significant contribution to improving the financial literacy of children of migrant families, which has a direct impact on the economic well-being of their families. With a better understanding of financial management, migrant families can be better integrated into the socio-economic life of the village and better able to manage irregular income. The program also opens up opportunities for long-term economic development in migrant communities.
IMPLEMENTATION OF SERVICE STRATEGIES IN INCREASING MEMBER SATISFACTION AT KSPPS NURI PAKONG BRANCH Hidayat, Ach.Taufiq; Sohib, Sohib; Anas, Achmad Tarmidzi
Ngejha Vol. 3 No. 1 (2023): Ngejha
Publisher : LP2M IAI Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/nja.v3i1.801

Abstract

This study aims to analyze the implementation of service strategies in increasing member satisfaction at the KSPPS NURI Pakong Branch. A good service strategy is key to maintaining and increasing member satisfaction, which in turn can strengthen loyalty and trust in the institution. This study uses a descriptive approach with a qualitative method, where data is collected through interviews, observations, and documentation studies. The results of the study show that the implementation of the service strategy at KSPPS NURI Pakong Branch has been quite effective in increasing member satisfaction. This is reflected in the improvement in the quality of interaction between officers and members, the speed of service, and the ease of accessing services. However, there are still several aspects that need to be improved, such as service consistency and improving human resource competence. These findings provide insight for KSPPS NURI to continue to improve and optimize its service strategy to achieve higher member satisfaction.
PERAN KOPERASI DAN BUMDES DALAM MENINGKATKAN EFISIENSI DISTRIBUSI PANGAN PADA PROGRAM MAKAN BERGIZI GRATIS DI INDONESIA ANAS, ACHMAD TARMIDZI
J-ESA (Jurnal Ekonomi Syariah) Vol 8 No 2 (2025): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v8i2.6487

Abstract

Program Makan Bergizi Gratis (MBG) merupakan kebijakan prioritas nasional Indonesia tahun 2025 yang tidak hanya berorientasi pada peningkatan kualitas gizi masyarakat, tetapi juga diarahkan untuk memperkuat ekonomi lokal berbasis desa melalui pemanfaatan pangan dari produsen lokal. Keterlibatan koperasi dan Badan Usaha Milik Desa (BUMDes) dalam program ini diharapkan mampu meningkatkan efisiensi distribusi pangan dengan mempersingkat rantai pasok dan menurunkan biaya transaksi. Namun demikian, efektivitas peran kedua lembaga tersebut dalam praktik distribusi pangan publik masih belum banyak dikaji secara empiris. Penelitian ini bertujuan untuk menganalisis peran koperasi dan BUMDes dalam meningkatkan efisiensi distribusi pangan pada Program Makan Bergizi Gratis di Indonesia. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus melalui wawancara mendalam, observasi lapangan, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa koperasi relatif lebih efektif dalam mengelola distribusi pangan berskala luas melalui konsolidasi pasokan dan koordinasi kolektif, sedangkan BUMDes unggul dalam distribusi berbasis desa dengan fleksibilitas tinggi dan kedekatan dengan produsen lokal. Penelitian ini menyimpulkan bahwa efisiensi distribusi pangan dalam Program MBG sangat bergantung pada kualitas tata kelola dan kapasitas kelembagaan koperasi dan BUMDes, sehingga penguatan kelembagaan menjadi kunci keberhasilan program pangan publik yang berkelanjutan.
Co-Authors Hidayat, Ach.Taufiq Sohib, Sohib