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All Journal Jurnal Ekonomi dan Bisnis GROWTH (JEBG) IIJSE Jurnal Maps (Manajemen Perbankan Syariah)
Atho'illah, Akhmad Yunan
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Economics, Econometrics & Finance Education Other

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Peran Teknologi Finansial dalam Meningkatkan Akses Pembiayaan Usaha Kecil dan Menengah Aisya, Nafiatul; Atho'illah, Akhmad Yunan
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i1.1651

Abstract

The rapid development of financial technology (fintech) has brought about major changes in access to financial services, particularly for micro, small, and medium enterprises (MSMEs) in Indonesia. MSMEs often face obstacles in obtaining formal financing due to limited collateral, low financial literacy, and administrative constraints. The adoption of fintech provides benefits such as easier access to capital, a simpler process without collateral, and smoother cash flow. However, there are also obstacles such as high interest rates, technical system constraints, and limited understanding of fintech products. This study aims to analyze the role of fintech in improving access to financing for MSMEs in Wonocolo, Surabaya, while identifying the challenges faced in adopting these services. The research method used a qualitative approach through interviews with seven MSME actors from various sectors, such as culinary, handicrafts, and printing. The results showed that fintech such as GoPay, OVO, and ShopeePayLater were widely used by MSMEs in Wonocolo for daily transactions and business financing. This utilization provides easy access to unsecured capital, a quick and simple process, and smoothens cash flow, thereby supporting business sustainability. However, a number of obstacles were also found, such as high interest rates, limited digital literacy, and technical disruptions to the application. Thus, although fintech plays a positive role in supporting the efficiency and growth of MSMEs, optimizing its benefits requires improved literacy and adequate regulatory support.
Development of Business Scale: Empirical Evidence from Business Center UINSA Surabaya Atho'illah, Akhmad Yunan; Yudha, Ana Toni Roby Candra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.1809

Abstract

Responses and strategies for the enrichment of product marketing problems in business units at Universitas Islam Negeri Sunan Ampel (UINSA) Surabaya need to be done. It is reasonable to prepare considering that the COVID-19 pandemic has had a systemic impact on all sectors, including the economic and business sectors. Business units in universities as one of the sub-fields that need to be developed as incubation centers, and sources of income for universities are important to maintain stable performance. The purpose of this study was to determine the identification of internal and external conditions. The research used is qualitative, with a descriptive strategy and SWOT analysis as an analytical tool. Informants from this study came from internal and external institutions, such as the daily board (BPH), employees, and customers. Validation of data using in-depth interviews, in order to obtain the accuracy and validity of data and information. The results indicate that the internal and external SWOT analysis is located in quadrant 1, (0.026; 0.063), which shows the results that these coordinates place the company in a position that supports an aggressive strategy. A strategy that prioritizes sales focus and strengthens internal management. Then from an institutional managerial point of view, PUSBIS in its current condition also has fairly solid teamwork, protecting all members of the extended family by carrying out reading routines, daily financial evaluations, self-development training, and compensation for improving performance. Research suggestions that are in accordance with the results of the study are increasing sales skills, utilizing social media, marketplaces, and involving websites to launch and sell products. It is considered important and necessary in the midst of a pandemic that is still not over, to capture the normal potential of buyers from outside the campus.
ANALISIS HAMBATAN DAN TANTANGAN IMPLEMENTASI K3 DARI PERSPEKTIF KARYAWAN PADA PT X Utsukhusi, Marlyn Putri; Sabila, Farah Dina; Atho'illah, Akhmad Yunan
Growth Vol 23 No 2 (2025): NOVEMBER
Publisher : Relawan Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/growth-journal.v23i2.7518

Abstract

This study aims to analyze the barriers and challenges in the implementation of Occupational Health and Safety (OHS) from the employees’ perspective at PT X. As a manufacturing company, PT X is exposed to a high level of occupational accident risks due to the use of machinery and chemical substances in its production process. Although OHS policies have been established, their effectiveness is still influenced by employees’ experiences and perceptions in the workplace. A fatal workplace accident in 2024, which resulted in one employee’s death and another suffering serious injuries, highlights the urgent need for a comprehensive evaluation of OHS implementation. This research employed a qualitative method with a case study approach, utilizing in-depth interviews and document analysis from the company as well as media reports. The findings indicate that the main barriers to OHS implementation include low employee compliance with safety procedures, limited safety facilities, and weak management supervision. The challenges identified involve a work culture that prioritizes productivity over safety, limited budget allocation, and the lack of continuous OHS training. The study concludes that improving the effectiveness of OHS requires active involvement of both management and employees in building a strong safety culture, strengthening supervision, and enhancing the quality of training and safety facilities
Co-Authors Aisya, Nafiatul Ana Toni Roby Candra Yudha Sabila, Farah Dina Utsukhusi, Marlyn Putri