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All Journal SEIKO : Journal of Management & Business e-Jurnal Inovasi Pembelajaran Sekolah Dasar e-Jurnal Inovasi Pembelajaran Sekolah Dasar
Sahyunan, Sahyunan
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Computer Science & IT Education Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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Analisis Efektivitas Penyaluran KUR Syariah PT Pegadaian Terhadap Perkembangan UMKM (Studi Kasus: PT Pegadaian Cabang Pancur Batu) Wahyuningsih, Sri; Sahyunan, Sahyunan; Nazaruddin, Nazaruddin
SEIKO : Journal of Management & Business Vol 8, No 1 (2025): Januari - Juni
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v8i1.8465

Abstract

Penelitian ini dilatarbelakangi oleh permasalahan permodalan yang dihadapi sektor UMKM. Salah satu program yang mendukung perkembangan UMKM adalah Kredit Usaha Rakyat (KUR) Syariah PT Pegadaian, yang menawarkan pembiayaan berbasis syariah dengan keunggulan bunga rendah dan tanpa agunan. Namun program Kur Syariah belum dimanfaatkan dengan baik oleh nasabah. Hal ini dilihat dari fluktuasi Non-Performing Loan (NPL) yang signifikan hingga mencapai 5,61% pada Februari 2024, serta data observasi awal menunjukkan 46,67% nasabah memiliki penghasilan yang tetap setelah menerima KUR Syariah PT Pegadaian. Penelitian ini bertujuan untuk menganalisis pengaruh efektivitas KUR terhadap perkembangan UMKM pada nasabah PT Pegadaian Kantor Cabang Pancur Batu. Efektivitas KUR dievaluasi berdasarkan lima aspek: ketepatan prosedur, ketepatan jumlah kredit, ketepatan beban kredit, ketepatan tenor kredit, dan ketepatan penggunaan dana. Penelitian menggunakan pendekatan asosiatif kausal dengan metode kuantitatif. Populasi penelitian adalah 280 nasabah, dengan sampel sebanyak 165 nasabah yang dipilih menggunakan metode purposive sampling. Pengumpulan data dilakukan melalui kuesioner, sementara analisis data menggunakan regresi berganda. Hasil penelitian menunjukkan bahwa efektivitas KUR Syariah pada: ketepatan prosedur, ketepatan jumlah kredit, ketepatan beban kredit, ketepatan tenor kredit, dan ketepatan penggunaan dana berpengaruh signifikan terhadap terhadap perkembangan UMKM. Kata Kunci: Efektivitas, KUR, Usaha Mikro Kecil Menengah (UMKM)
Peningkatan Hasil Belajar Tema 6 Menggunakan Model Cooperative Learning Tipe Two Stay Two Stray di Kelas V SD Sahyunan, Sahyunan; Eliyasni, Rifda
e-Jurnal Inovasi Pembelajaran Sekolah Dasar Vol 9, No 1 (2021): (Januari-April) e-JIPSD
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/e-jipsd.v9i1.8295

Abstract

The background of this study is the low student learning outcomes of 16 students only 8 (50.00%) who reached the specified KBM, besides that the average student learning outcomes was 59.12. This study aims to improve integrated thematic learning outcomes through the application of the TSTS learning model. This research is a classroom action research with qualitative and quantitative approaches. The research data in the form of observations and tests, this study was conducted at SDN 03 Ranah Batahan Barat Pasaman. The subjects in this study were class V students with a total of 16 students. This research was conducted in two cycles with four stages, namely planning, implementation, observation and reflection. The results of the study stated that after applying the cooperative learning model TSTS type can improve learning outcomes of integrated thematic learning. This is proven by: (a) The observation of RPP in the first cycle with an average of 85.22% with Good qualifications (B), and Cyclius II 95.45% with Very Good qualifications (AB); teacher activity cycle I with an average of 78.57% with sufficient qualifications (C), and cycle II 96.42% Very Good (AB); Student activities in the first cycle with an average of 78.57% and 96.42% in the second cycle with Very Good (AB) qualifications. (b) student learning outcomes with a percentage that is in the first cycle of meeting 1 and meeting 2 and cycle II, 74.30 (56%), 77.10 (68.75%) and 83.13 (87.5%).
Peningkatan Hasil Belajar Tema 6 Menggunakan Model Cooperative Learning Tipe Two Stay Two Stray di Kelas V SD Sahyunan, Sahyunan; Eliyasni, Rifda
e-Jurnal Inovasi Pembelajaran Sekolah Dasar Vol 9, No 1 (2021): (Januari-April) e-JIPSD
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/e-jipsd.v9i1.8295

Abstract

The background of this study is the low student learning outcomes of 16 students only 8 (50.00%) who reached the specified KBM, besides that the average student learning outcomes was 59.12. This study aims to improve integrated thematic learning outcomes through the application of the TSTS learning model. This research is a classroom action research with qualitative and quantitative approaches. The research data in the form of observations and tests, this study was conducted at SDN 03 Ranah Batahan Barat Pasaman. The subjects in this study were class V students with a total of 16 students. This research was conducted in two cycles with four stages, namely planning, implementation, observation and reflection. The results of the study stated that after applying the cooperative learning model TSTS type can improve learning outcomes of integrated thematic learning. This is proven by: (a) The observation of RPP in the first cycle with an average of 85.22% with Good qualifications (B), and Cyclius II 95.45% with Very Good qualifications (AB); teacher activity cycle I with an average of 78.57% with sufficient qualifications (C), and cycle II 96.42% Very Good (AB); Student activities in the first cycle with an average of 78.57% and 96.42% in the second cycle with Very Good (AB) qualifications. (b) student learning outcomes with a percentage that is in the first cycle of meeting 1 and meeting 2 and cycle II, 74.30 (56%), 77.10 (68.75%) and 83.13 (87.5%).
Co-Authors Eliyasni, Rifda N. Nazaruddin Raden Mohamad Herdian Bhakti