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Ariyanto Setiyo Wahyudi, Rudhi
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Perkembangan dan Tantangan Koperasi Syariah di Indonesia Puspita Hermawan, Adi; Ardiyansyah, Fikky; Ariyanto Setiyo Wahyudi, Rudhi
Koaliansi : Cooperative Journal Vol. 4 No. 1 (2024): Koaliansi : Cooperative Journal
Publisher : Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/koaliansi.v4i1.4832

Abstract

Sharia cooperatives in Indonesia have become an important element in the sharia financial system which is based on Islamic values, such as justice, cooperation and equality. The development of sharia cooperatives in Indonesia can be traced to the early 1900s, with the establishment of Baitul Maal Wa Tamwiil (BMT) Insan Kamil in 1992 which marked an important moment in the history of sharia cooperatives in this country. This cooperative was formed to provide financial services in accordance with sharia, by avoiding usury, uncertainty (gharar), and speculation (maysir), which are contrary to Islamic teachings. According to data from the ODS of the Indonesian Ministry of Cooperatives and SMEs, the number of Sharia Savings and Loans Cooperatives (KSPS) increased from 3,905 units in 2019 to 4,011 units in 2023. This research examines the developments and challenges faced by sharia cooperatives in Indonesia. The aim of this research is to identify the opportunities and obstacles faced by sharia cooperatives in facing the development of the sharia financial industry in Indonesia. The research method uses descriptive analysis with secondary data from the Ministry of Cooperatives and SMEs as well as sharia financial indicators. The research results show that sharia cooperatives have challenges in terms of sharia financial literacy and limited capital. Apart from that, Sharia Cooperatives also have great opportunities with the support of a significant Muslim population and government regulations. The implications of this research are expected to help sharia cooperatives in increasing the competitiveness and sharia financial literacy of their members.
Analisis Strategi Pengembangan Usaha Pada Ukm Ecoprint Batik Dahon Di Kabupaten Pangandaran Ariyanto Setiyo Wahyudi, Rudhi; Rahmat, Rasyid; Marlina, Serly; Raudah, Warda; Irawan, Dandan
Koaliansi : Cooperative Journal Vol. 4 No. 2 (2025): Koaliansi : Cooperative Journal
Publisher : Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/koaliansi.v4i2.5065

Abstract

Business development in Indonesia can currently be said to be developing quite rapidly. Many young entrepreneurs or novice entrepreneurs can easily be found involved in various business sectors, both in the trade sector and in the service sector. This will of course really help improve the national economy significantly. Batik craftsmen in Parigi sub-district, Pangandaran district are one example. The potential for a batik business using natural resources is an update on the development of current fashion trends which are currently in demand by various groups. This is a promising business due to two main factors, namely 1) Unique and 2) Natural, without using chemical elements. Even though there are market opportunities with various advantages, ecoprint batik still faces various obstacles. The obstacle faced by UKM Ecoprint Batik Dahon in its development is that the strategy and business segmentation chosen by the business owner is still not segmented and well planned. Apart from that, there is still limited human resource competency in the Dahon Pangandaran batik ecoprint, where the majority of batik craftsmen are still limited to high school graduates. The aim of this research is to determine the company's strategy in developing business alternatives for Ecoprint Batik Dahon using SWOT analysis. This research is descriptive research with the support of qualitative data. Data collection techniques were obtained through observation or field surveys at UKM Ecoprint Batik Dahon. From the results of the SWOT analysis, five business development strategies were obtained, namely: 1) Expanding digital promotions by utilizing e-commerce platforms; 2) Collaborating with designers and fashion brands; 3) Product diversification by utilizing ecoprint in various categories; 4) Utilize training programs and assistance from the government; 5) Develop long-term development plans that are flexible and responsive to change.