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ANALISIS PERKEMBANGAN USAHA UNIT SIMPAN PINJAM PADA KSU AL-BAROKAH KECAMATAN BINJAI HULU KABUPATEN SINTANG -, Munawar Thoharudin -
Prosiding Seminar Pendidikan Ekonomi dan Bisnis Vol 3, No 1 (2017): Prosiding Seminar Nasional Pendidikan Ekonomi, Bisnis dan Keuangan
Publisher : Prosiding Seminar Pendidikan Ekonomi dan Bisnis

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Â ABSTRAKÂ Penelitian ini bertujuan untuk mengetahui Perkembangan Usaha Unit Simpan Pinjam pada KSU Al-Barokah Kecamatan Binjai Hulu Kabupaten Sintang.Metode yang digunakan dalam penelitian ini adalah metode deskriptif dengan bentuk survey. Data dalam penelitian ini adalah data kuantitatif, sedangkan sumber datanya adalah neraca dan laporan laba rugi KSU Al-Barokah. Teknik pengumpulan data yang digunakan adalah teknik wawancara dan pemeriksaan dokumentasi. Alat pengumpul data berupa pedoman wawancara, dan dokumen-dokumen. Sedangkan teknik pengolahan data yang digunakan adalah analisis rasio keuangan dan analisis gerakan/trend, standar yang digunakan yaitu rasio historis rata-rata (RHR).Hasil penelitian ini menunjukkan bahwa tingkat likuiditas terdiri dari cash ratio, current ratio, dan quick ratio. Dengan kesimpulan tingkat likuiditas KSU Al-Barokah kategori sangat baik. Tingkat leverage terdiri dari rasio total debt to total asset dan rasio total debt to equity, dengan kesimpulan tingkat leverage KSU Al-Barokah dikategorikan perkembangan kurang baik. Tingkat profitabilitas terdiri dari rasio return on asset, rasio return on equity dan rasio asset turnover. Dengan kesimpulan tingkat profitabilitas KSU Al-Barokah dikategorikan perkembangan sangat baik. Faktor yang mempengaruhi perkembangan usaha adalah modal pinjaman, pinjaman semakin meningkat, pendapatan SHU semakin meningkat.Â Kata Kunci: Perkembangan Usaha, Unit Simpan PinjamÂ This study aimed to determine the Business Development Unit Savings and Loans at KSU Al-Barokah Binjai Hulu subdistrict, regency of Sintang. The method of research used in this research was descriptive method in form of survey research. The data in this research was quantitative data, while the source of the data was the balance sheet and income statement of KSU Al-Barokah. The data collection technique used was interview and documentation examination. Moreover, the data collection tolls used was interview guidelines, and documents. While data-processing technique used was the analysis of financial ratios and analysis of movement / trend, the standard used is the historical average ratio (RHR) The results of this study indicate that the level of liquidity consist of cash ratio, current ratio and quick ratio. With the conclusion of liquidity level KSU Al-Barokah categorized as âvery goodâ. The level of leverage consists of the ratio of total debt to total assets and the ratio of total debt to equity, with the conclusion of the level of leverage KSU Al-Barokah categorized unfavorable developments. The profitability level consists of the ratio of return on assets, return on equity ratio and turnover ratio asset. With the conclusion of the profitability of KSU Al-Barokah categorized excellent progress. Factor affecting the development of the business is capital loans, loan increases, increasing revenue of SHU.Â Keywords: Business Development, Savings and Loans Unit

The Harapan Jaya Cooperative Development Reviewed from the Cooperative Financial Capital and Business Thoharudin, Munawar; Huda, Fatkhan Amirul; Suryadi, Tedi
Journal of Economic Education Vol 9 No 1 (2020): June 2020
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v9i1.36027

The purpose of this study was to find out how the Harapan Jaya Cooperative development in terms of cooperative financial capital and business. In financial capital, there are assets, incomes, and Net Income. While the business is from the business run by the cooperative. This study uses a qualitative descriptive method. In this study, the researcher acts as a data collector and as an active instrument to collect data. This research uses two data sources; they are primary and secondary data. Data collection was conducted by researchers using in-depth interviews, documentation and observation. Data analyzed using qualitative analysis, the validity of the data using the triangulation method. The Harapan Jaya Cooperative Capital development in this study was reviewed from the Solvency, Liquidity and Profitability Ratio. Overall shows good and excellent criteria. The development of the cooperative business is indicated by the addition of income from savings and loan units, management of plasma tubers, dump truck rental, beko heavy equipment rental, motor grader heavy equipment. In addition, business development is also seen from the addition of dump trucks and heavy equipment owned by cooperatives.

PENGARUH KECERDASAN EMOSIONAL DAN PERILAKU BELAJAR SISWA TERHADAP PEMAHAMAN MATERI PELAJARAN EKONOMI IPS SMAN F.10212032, Munawar Thoharudin; Asriati, Nuraini; Ulfah, Maria
Jurnal Pendidikan dan Pembelajaran Khatulistiwa Vol 3, No 9 (2014): September 2014
Publisher : Jurnal Pendidikan dan Pembelajaran Khatulistiwa

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Abstrak: Tujuan penelitian ini untuk mengetahui pengaruh langsung positif kecerdasan emosional siswa terhadap pemahaman materi pelajaran ekonomi, perilaku belajar siswa terhadap pemahaman materi pelajaran ekonomi, kecerdasan emosional terhadap perilaku belajar siswa. Bentuk penelitian ini penelitian kuantitatif jenis survei. Teknik pengumpulan data penelitian ini adalah pemeriksaan dokumen dan kuesioner. Teknik pengolahan data yang digunakan adalah analisis jalur. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh langsung positif Â kecerdasan emosional terhadap pemahaman materi pelajaran ekonomi, perilaku belajar terhadap pemahaman materi pelajaran ekonomi dan kecerdasan emosional terhadap perilaku belajar. Hasil perhitungan menunjukkan nilai koefisien jalur py1 = 0,210, py2 = 0,604 dengan koefisi8en determinasi R2 = 0,611. Selanjutnya koefisien jalur p21 = 0,798 dan R2 = 0,632 dengan Koefisien determinasi R2 = 0,636. Kunci: Kecerdasan Emosional, Perilaku Belajar, Pemahaman Abstract: The purpose this study to determine positive direct effect emotional intelligence of students towards understanding learning materials of economic, student learning behavior towards understanding learning materials of economic, emotional intelligence towards the student learning behavior. This research forms of quantitative research survey types. This research data collection techniques are examination of documents and questionnaires. Data processing techniques are used path analysis. The results of this study indicate that there is a positive direct effect emotional intelligence towards understanding of learning materials of economic learning behavior towards understanding learning materials of economic, and emotional intelligence towards learned behavior. The results show the value of the path coefficient = 0.210 py1, py2 = 0.604 with a coefficient of determination R2 = 0.611. Furthermore, p21 path coefficient = 0.798 and R2 = 0.632 with a coefficient of determination R2 = 0.636. Key: Emotional Intelligence, Learning Behavior, Understanding

Pendidikan Literasi Keuangan Dalam Pembelajaran Ekonomi di SMA dan SMK Kabupaten Kubu Raya Kalimantan Barat Ulfah, Maria; Kuswanti, Heni; Thoharudin, Munawar
Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Vol 7, No 1 (2021): March
Publisher : Universitas Pendidikan Mandalika (UNDIKMA)

The purpose of this study was to analyze financial literacy education in the Economic Learning of SMA and SMK in Kubu Raya Regency, West Kalimantan. The method used in this research was descriptive method with survey research form. This research was conducted at SMA and SMK in Kubu Raya Regency, West Kalimantan. The subjects of this study were teachers of economics subjects and principals or vice principal for curriculum of SMA and SMK in Kubu Raya Regency. The data collection technique used interview sheets and direct observation, while data analysis technique used descriptive analysis. Based on the results of research, it was found that 1) The material on defining economic transactions and various types of practice, introduction to economic resources, introduction to the concept of shopping. ) as a fulfillment of basic needs, introduction to the concept of saving in traditional and modern terminology, introduction to the concept of sharing (sharing) found in economic learning; 2) While the introduction to the concept of bad practices and financial crimes is not included in the syllabus of economic subjects, some teachers on their own initiative provide additional material on corruption to the students.

Edu-Finance Management Model in BOS Fund Management to Create Financial Well-Being Ulfah, Maria; Thoharudin, Munawar
Dinamika Pendidikan Vol 15, No 2 (2020): December 2020
Publisher : Fakultas Ekonomi, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/dp.v15i2.27074

The purpose of this study is to analyze the implementation of BOS fund management and to design an edu-finance management model in order to achieve school financial well-being. The research approach used was a qualitative approach. Data sources consisted of BOS fund managers and school principals. Data collection techniques included FGDs with BOS fund managers; interview; and documentation. Data analysis techniques used the Miles and Hubermans model including data reduction, data presentation and drawing conclusions and verification. The conclusion of this research is that the compilers of school financial planning and work programs are made only to fulfill administrative requirements; the implementation of financial management in the management of BOS fund is still low; in making accountability reports, many do not understand the evidence documents that must be prepared and financial management training has not been carried out in accordance with the needs. After being given edu-finance training, the BOS fund managers understand the preparation of work programs, the use of BOS fund based on a priority scale, and the preparation of accountability reports along with the files that should be prepared.

The Harapan Jaya Cooperative Development Reviewed from the Cooperative Financial Capital and Business Thoharudin, Munawar; Huda, Fatkhan Amirul; Suryadi, Tedi
Journal of Economic Education Vol 9 No 1 (2020): June 2020
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v9i1.36027

The purpose of this study was to find out how the Harapan Jaya Cooperative development in terms of cooperative financial capital and business. In financial capital, there are assets, incomes, and Net Income. While the business is from the business run by the cooperative. This study uses a qualitative descriptive method. In this study, the researcher acts as a data collector and as an active instrument to collect data. This research uses two data sources; they are primary and secondary data. Data collection was conducted by researchers using in-depth interviews, documentation and observation. Data analyzed using qualitative analysis, the validity of the data using the triangulation method. The Harapan Jaya Cooperative Capital development in this study was reviewed from the Solvency, Liquidity and Profitability Ratio. Overall shows good and excellent criteria. The development of the cooperative business is indicated by the addition of income from savings and loan units, management of plasma tubers, dump truck rental, beko heavy equipment rental, motor grader heavy equipment. In addition, business development is also seen from the addition of dump trucks and heavy equipment owned by cooperatives.

Edu-Finance Management Model in BOS Fund Management to Create Financial Well-Being Ulfah, Maria; Thoharudin, Munawar
Dinamika Pendidikan Vol 15, No 2 (2020): December 2020
Publisher : Fakultas Ekonomi, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/dp.v15i2.27074

The purpose of this study is to analyze the implementation of BOS fund management and to design an edu-finance management model in order to achieve school financial well-being. The research approach used was a qualitative approach. Data sources consisted of BOS fund managers and school principals. Data collection techniques included FGDs with BOS fund managers; interview; and documentation. Data analysis techniques used the Miles and Hubermans model including data reduction, data presentation and drawing conclusions and verification. The conclusion of this research is that the compilers of school financial planning and work programs are made only to fulfill administrative requirements; the implementation of financial management in the management of BOS fund is still low; in making accountability reports, many do not understand the evidence documents that must be prepared and financial management training has not been carried out in accordance with the needs. After being given edu-finance training, the BOS fund managers understand the preparation of work programs, the use of BOS fund based on a priority scale, and the preparation of accountability reports along with the files that should be prepared.

Strategi Pemberdayaan Ekonomi Masyarakat Berbasis Komoditi Lokal Di Kabupaten Sintang Yunita Astikawati; Kardius Richi Yosada; Munawar Thoharudin; Dominggus Sore
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 5, No 2 (2021): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v5i1.4401

The progress of the economy in Sintang Regency, one of which is very dependent on community empowerment in moving the wheels of the economy. Where people do not depend on the government for welfare. The government has carried out human resource empowerment programs. Human resource empowerment programs have been carried out by the government. This is in line with Indonesia's development goals, namely to build Indonesian people as a whole, so development must be a social change that does not only occur in the standard of living of the people but also in the role of the elements in it. This study aims to provide an overview of the right strategy as a form of local commodity-based community economic empowerment in Sintang Regency. The research method used in this study is a qualitative descriptive method with a research sample of three sub-districts using a purposive sampling technique The research results are divided into three, namely: the potential for economic development is found in agriculture and plantations; business opportunities from agricultural and plantation products can be processed into snacks that have a selling value and are in demand by the community; community economic empowerment strategy with Usaha Ekonomi Produktif (UEP) programs

Pengaruh Kelengkapan Sumber Belajar Terhadap Minat Belajar Siswa SMP Negeri 1 Dedai Munawar Thoharudin; Yohanes Doni; Avelius Dominggus Sore
Jurnal Inovasi Pendidikan Ekonomi (JIPE) Vol 10, No 1 (2020): Jurnal Inovasi Pendidikan Ekonomi
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/011080860

The purpose of this study was to determine the completeness of student learning resources, student learning interest and to determine the effect of completeness of learning resources on student learning interest in Integrated social science subjects in sekolah Menengah Pertama Negeri 1 Dedai School year 2019/2020. The population in this study were all students sekolah Menengah Pertama Negeri 1 Dedai School year 2019/2020 as many as 168 students. This research method reveals quantitative by using the form of research that is the explanation format. This research data collection technique is indirect communication techniques and documentation. used were Likert scale questionnaire. research result There is a significant influence of the completeness of learning resources on student learning requests in integrated social science subjects as evidenced by the t value of 6.815 <t table 1.981. It can be concluded that the independent variable (X) tested has an influence on the dependent variable (Y). With the meaning of the word Ho is rejected and Ha is accepted.

Pengaruh Integritas Kelompok Terhadap Kinerja Pegawai Sekretariat Daerah Kabupaten Kapuas Hulu, Kalimantan Barat Husni Syahrudin; Munawar Thoharudin
JEMBATAN Vol 17, No 2 (2020)
Publisher : Jurusan Manajemen Fakultas Ekonomi Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jmbt.v17i2.11723

Not achieving the performance targets that have been set are caused by many factors, both individual, group, organization both internal and external. The purpose of this study is to reveal how the influence of group integrity factors on the performance of employees at the Kapuas Hulu district secretariat. The research method used is a survey method with a quantitative approach. The population in this study were all employees (civil servant status) who worked at the regional secretariat of Kapuas Hulu Regency, totaling 137 employees. The sampling technique is done by using the Simple Random Sampling technique by determining the sample of respondents randomly. Based on the results of calculations with the formula, the sample in this study amounted to 102 employees. Data collection tools used closed questionnaire with 5 (five) interval scale answer options. The instrument testing uses validity and reliability tests. Prerequisite testing with residual normality test and linearity regression test. Data analysis in this study was carried out using statistical descriptive and inferential statistical analysis techniques. Based on the results of the study concluded that group integrity had a significant positive effect on employee performance

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