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All Journal Electronic Journal of Education, Social Economics and Technology JURNAL MANAJEMEN DAN BISNIS INDONESIA
Suryani, Fitri Ayu
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The Role of National Civil Finance (PNM) Mekaar in Distributing Financing to Increase Income in Stone Plate Breaker UMKM Firdaus, Dwi Rizky; Suryani, Fitri Ayu; Hidayati, Denok Mugi
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.836

Abstract

This study aims to determine and analyze the role of National Capital Madani (PNM) Mekaar in distributing financing to MSMEs that break stone plates and its impact on increasing the income of business actors. This study uses a qualitative approach with a case study method. This approach was chosen because the study aims to understand in depth how PNM (National Capital Madani) Mekar plays a role in distributing financing and its influence on increasing the income of MSMEs that break stone plates. The case study method allows for detailed and contextual exploration of phenomena that occur in the field. The data collected were analyzed using thematic methods. The study's results show that the National Capital Madani (PNM) Mekaar program is important for helping small businesses that break stone plates in Jelbuk District earn more money by providing loans without collateral and offering support like financial training and business development. Positive impacts can be seen from increased income, production efficiency, and the growth of entrepreneurial spirit. Socialization carried out directly to residents' homes is also considered effective in reaching people who have not been touched by formal financial services. In order for this program to be more optimal, it is recommended to increase the intensity of mentoring, especially in digital literacy and online marketing; provide flexible installment schemes; collaborate with digital platforms to expand market access; and conduct regular evaluations of training and mentoring to better suit the needs of MSME plate-breaking stone actors.
Strategi Pemasaran Digital UMKM Aviyah Olshop melalui Analisis SWOT Berbasis WhatsApp Business Sano, Sano; Hidayanti, Denok Mugi; Suryani, Fitri Ayu
Jurnal Manajemen dan Bisnis Indonesia Vol. 11 No. 02 (2025): Edisi Bulan Desember
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jmbi.v12i02.3974

Abstract

UMKM memiliki peran strategis dalam perekonomian Indonesia, namun tantangan digitalisasi menuntut adaptasi agar tetap kompetitif. Penelitian ini bertujuan untuk menganalisis strategi pemasaran UMKM Aviyah Olshop menggunakan WhatsApp Business dengan pendekatan analisis SWOT. Metode penelitian menggunakan deskriptif kualitatif dengan studi kasus melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan kekuatan Aviyah Olshop antara lain produk mengikuti tren pasar, harga terjangkau, kualitas terjamin, pelayanan cepat dan ramah, serta lokasi strategis, sedangkan kelemahannya adalah penjualan hanya melalui WhatsApp Business, stok cepat habis saat hari besar, keterbatasan SDM, dan promosi belum rutin. Peluang yang dimiliki meliputi ekspansi ke marketplace, promosi melalui influencer, serta permintaan tinggi pada momen tertentu, sementara ancaman meliputi persaingan ketat, gangguan internet, dan keterlambatan kurir. Analisis menunjukkan Aviyah Olshop berada pada kuadran I (strategi agresif) dengan memanfaatkan kekuatan internal untuk meraih peluang eksternal melalui strategi SO, WO, ST, dan WT, seperti memperluas penjualan ke marketplace, mengoptimalkan promosi melalui media sosial, menjaga kualitas pelayanan, serta meningkatkan manajemen stok. Kesimpulannya, pemanfaatan WhatsApp Business dan analisis SWOT membantu Aviyah Olshop dalam merumuskan strategi pemasaran yang relevan untuk meningkatkan daya saing dan omzet usaha secara berkelanjutan di era digital.
Co-Authors Firdaus, Dwi Rizky Hidayanti, Denok Mugi Hidayati, Denok Mugi Sano, Sano