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Studi Kelayakan Investasi Pengembangan UMKM di Sektor Kuliner Akhmad Mubadilah; Ika Hartika; Sri Juminawati; Eva Yuniarti Utami; Dewi Mariam Widiniarsih
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.6428

The purpose of this study is to analyze the feasibility study of investment in developing MSMEs in the culinary sector. The objects of this study are from the aspect of business feasibility studies, namely: 1) Marketing aspects; 2) Legal aspects; and 3) Social and economic aspects. The study of business feasibility analysis in culinary MSME businesses uses qualitative research methods which are carried out in analyzing and assessing the feasibility of developing a business. Qualitative data obtained based on the results of interviews and observations. The results of this study found that the development of culinary MSMEs has great potential, especially with the right marketing approach, a deep understanding of market potential, and a mature investment feasibility analysis. In conducting a feasibility study, it is important to consider marketing aspects, market potential, and realistic financial analysis so that culinary businesses can develop and compete sustainably. The feasibility study of investment in the development of MSMEs in the culinary sector provides a clearer picture of business prospects, the risks involved, and the potential profits that can be obtained.

SOSIALISASI DAN PENDAMPINGAN PELAPORAN KEWAJIABAN PERPAJAKAN UMKM DI DESA WALUYOJATI Dewi Mariam Widiniarsih; Arum Arupi Kusnindar; Cindi Fatikasari
Jurnal Indonesia Mengabdi Vol. 3 No. 1 (2024): Jurnal Indonesia Mengabdi (JIM)
Publisher : Tahta Media Grup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55080/jim.v3i1.919

Tax Obligation Assistance in Waluyojati Village, Ambarawa District to improve tax knowledge of Micro, Small and Medium Enterprises in Waluyojati Village, Ambarawa District better and have an impact on the level of taxpayer compliance. It is also expected that by increasing participants' understanding of the risks of tax audits, they will be able to reduce tax costs from tax fines for Macro, Small and Medium Enterprises. On the other hand, community service activities to assist the government in increasing tax revenues because more and more Micro, Small and Medium Enterprises are aware of their tax rights and obligations. The benefits of community service activities are focused on increasing the understanding of MSMEs, especially regarding how to calculate income tax payable, deposit income tax payable, and report income tax from their businesses. Also increase understanding of the risks of tax audits that may occur from every transaction in the MSME business, such as a good trading business. In this community service, a method with several stages is used, namely the observation, introduction, training and evaluation stages. The delivery of the material is presented with an overview of the basic material, the benefits of tax reporting for participants, and regarding the Matching of NIK and NPWP, at this stage the lack of knowledge about taxation among participants so that, after the socialization activity took place, public knowledge became higher and made it easier for the government to raise awareness of taxpayers. The discussion method, it was carried out with two-way communication and a question and answer session regarding the analysis of the material that had been delivered in the first stage and helped participants with the limited understanding of filling out the DJP online website which was assumed to be complicated for the community and provided an understanding of the validity for married women who are burdened independently because they live separately to continue to register for taxes. It is expected that the implementation of community service activities can increase participants' understanding of the risks of tax audits, they will be able to reduce tax costs from tax fines for Macro, Small and Medium Enterprises. On the other hand, community service activities to assist the government in increasing tax revenues because more and more Micro, Small and Medium Enterprises are aware of their tax rights and obligations

Peran Ekonomi Digital Terhadap Ketahanan dan Pertumbuhan Ekonomi di Indonesia Abdillah Arif Nasution; Tirsa Neyatri Bandrang; Dewi Mariam Widiniarsih; Muhammad Syaiful; Abdul Razak Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i8.4861

This study aims to determine the role of the digital economy in economic resilience and growth in Indonesia. This research approach collects data through literature studies, which involve reading literature from various sources including books, journals and reports using qualitative and deductive approaches. The findings in this study are. The potential of the digital economy greatly influences the resilience and growth of the Indonesian economy, this is able to make Indonesia the largest digital economy market share. The existence of the digital economy is greatly felt by the community, forcing related parties to design new strategies by adopting digitalization, which is dominated by innovation in technology, information, communication, and the increasing development of internet networks. The digital economy has a very important role in economic resilience and growth in Indonesia. Some of these roles include increasing efficiency and productivity, expanding markets, creating new jobs, and increasing innovation.

Peran Ekonomi Digital Terhadap Ketahanan dan Pertumbuhan Ekonomi di Indonesia Abdillah Arif Nasution; Tirsa Neyatri Bandrang; Dewi Mariam Widiniarsih; Muhammad Syaiful; Abdul Razak Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i8.4861

This study aims to determine the role of the digital economy in economic resilience and growth in Indonesia. This research approach collects data through literature studies, which involve reading literature from various sources including books, journals and reports using qualitative and deductive approaches. The findings in this study are. The potential of the digital economy greatly influences the resilience and growth of the Indonesian economy, this is able to make Indonesia the largest digital economy market share. The existence of the digital economy is greatly felt by the community, forcing related parties to design new strategies by adopting digitalization, which is dominated by innovation in technology, information, communication, and the increasing development of internet networks. The digital economy has a very important role in economic resilience and growth in Indonesia. Some of these roles include increasing efficiency and productivity, expanding markets, creating new jobs, and increasing innovation.

Studi Kelayakan Investasi Pengembangan UMKM di Sektor Kuliner Akhmad Mubadilah; Ika Hartika; Sri Juminawati; Eva Yuniarti Utami; Dewi Mariam Widiniarsih
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.6428

The purpose of this study is to analyze the feasibility study of investment in developing MSMEs in the culinary sector. The objects of this study are from the aspect of business feasibility studies, namely: 1) Marketing aspects; 2) Legal aspects; and 3) Social and economic aspects. The study of business feasibility analysis in culinary MSME businesses uses qualitative research methods which are carried out in analyzing and assessing the feasibility of developing a business. Qualitative data obtained based on the results of interviews and observations. The results of this study found that the development of culinary MSMEs has great potential, especially with the right marketing approach, a deep understanding of market potential, and a mature investment feasibility analysis. In conducting a feasibility study, it is important to consider marketing aspects, market potential, and realistic financial analysis so that culinary businesses can develop and compete sustainably. The feasibility study of investment in the development of MSMEs in the culinary sector provides a clearer picture of business prospects, the risks involved, and the potential profits that can be obtained.

Tinjauan Efektivitas Pengelolaan Dana untuk Mengurangi Piutang Tak Tertagih pada Toko Bangunan NS Family Pesawaran (2021-2023) Eka Nur Yunita; Wagiyo; Dewi Mariam Widiniarsih
Oikonomia Vol 3 No 1 (2025): March
Publisher : Edu Partner Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69747/oikonomia.v3i1.100

Pengelolaan dana yang efektif merupakan salah satu aspek penting dalam menjaga stabilitas keuangan perusahaan, khususnya dalam mengurangi risiko piutang tak tertagih. Penelitian ini bertujuan untuk mengetahui efektivitas pengelolaan dana dapat mengurangi risiko piutang tak tertagih, dan menganalisis pengaruh efektivitas pengelolaan dana terhadap jumlah piutang pada Toko Bangunan NS Family Pesawaran Tahun 2021–2023. Penelitian ini menggunakan metode deskriptif dengan pendekatan kuantitatif. Sampel dalam penelitian ini adalah laporan keuangan, berupa neraca dan laporan laba rugi Toko Bangunan NS Family selama tiga tahun. Teknik analisis data dilakukan dengan menggunakan rasio keuangan, yaitu Receivable Turn Over (RTO) dan analisis umur piutang untuk menilai efektivitas pengelolaan dana terhadap pengendalian piutang. Hasil penelitian menunjukkan bahwa nilai RTO meningkat dari 17,26 kali pada tahun 2022 menjadi 24,06 kali pada tahun 2023. Hal ini menunjukkan peningkatan efektivitas dalam pengelolaan piutang. Selain itu, total piutang tak tertagih mengalami penurunan dari Rp4.500.000 pada tahun 2021 menjadi Rp2.830.000 pada tahun 2022, dan Rp2.150.000 pada tahun 2023. Dengan demikian, pengelolaan dana pada Toko Bangunan NS Family Pesawaran dapat dikatakan efektif dalam mengurangi risiko piutang tak tertagih dan mendukung kelancaran arus kas perusahaan. Effective fund management is one of the important aspects in maintaining the company's financial stability, especially in reducing the risk of uncollectible receivables. This study aims to determine the effectiveness of fund management to reduce the risk of uncollectible receivables, and analyze the effect of the effectiveness of fund management on the number of receivables at the NS Family Pesawaran Building Store in 2021–2023. This study uses a descriptive method with a quantitative approach. The sample in this study is financial statements, in the form of balance sheets and profit and loss statements of the NS Family Building Shop for three years. The data analysis technique was carried out using financial ratios, namely Receivable Turn Over (RTO) and receivables age analysis to assess the effectiveness of fund management on receivables control. The results of the study show that the value of RTO increased from 17.26 times in 2022 to 24.06 times in 2023. This shows an increase in effectiveness in the management of receivables. In addition, total uncollectible receivables decreased from IDR 4,500,000 in 2021 to IDR 2,830,000 in 2022, and IDR 2,150,000 in 2023. Thus, the management of funds at the NS Family Pesawaran Building Shop can be said to be effective in reducing the risk of uncollectible receivables and supporting the smooth flow of the company's cash flow

Socialization of the Use of Google Gemini to Improve the Quality of Financial Management and Marketing of MSMEs in Indonesia: Penelitian Nadjah Thalib; Dewi Mariam Widiniarsih; M.Pahlan; Dinesh Basti Farani; Vidya Ramadhan Putra Pratama
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.3962

This Community Service (PkM) activity aims to improve the quality of Financial Management and Digital Marketing of Micro, Small, and Medium Enterprises (MSMEs) through socialization and intensive training on the use of Google Gemini (Generative AI Model). MSMEs in the focus areas (Merauke, South Sumatra, Central Java, Makassar, and Palangkaraya) often face bottleneck challenges in accurate financial recording and creating effective marketing content strategies, which limits their growth and competitiveness. The PkM program was implemented for ten days in the month of [Mention Month/Year of PkM] with a blended training method (virtual and limited face-to-face) and specific case mentoring .The PkM participants consisted of 150 MSMEs (30 participants per location) operating in the service, trade, and processing sectors. The training materials covered (a) the use of Gemini to create daily cash report templates and calculate the cost of goods sold (COGS); and (b) the use of Gemini to formulate marketing content and copywriting strategies tailored to the local target market. Evaluation was conducted through measuring the increase in AI-Financial and AI-Marketing literacy (pre-test and post-test) as well as output prototypes (simple financial reports and marketing campaigns ) produced by participants. The PKM results showed a significant increase in participants' understanding of the Gemini application for both functions (the average post-test score increased$\approx 38\%$compared to the pre-test). Participants successfully created a more structured daily cash report prototype and a more creative marketing campaign . This activity concluded that Google Gemini functions as a user-friendly and effective management tool , capable of quickly overcoming administrative and creative challenges for MSMEs, ultimately supporting increased operational efficiency and market share .

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