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All Journal MATAPPA: Jurnal Pengabdian Kepada Masyarakat Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pengabdian kepada Masyarakat Jurnal Pengabdian Mandiri Media Ekonomi Media Riset Bisnis & Manajemen Jurnal Keuangan dan Perbankan Media Bina Ilmiah Dirkantara Indonesia IIJSE Journal of Ekonomics, Finance, and Management Studies
Rustam, Rinaldi
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Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Analysis of Factors Influencing the Return of People's Business Credit (KUR) in Taman Sari District, West Jakarta Setyarini, Theresia Avila Dyah; Hariyanti, Dini; Rustam, Rinaldi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): 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.v7i3.5169

Abstract

This research was conducted to analyze and study the factors that can influence the return of BNI people's business credit (KUR) in Taman Sari District, West Jakarta. The research method used is descriptive qualitative research with data collection techniques through interviews with 9 informants. Data analysis techniques use data triangulation to reveal the facts of the research objectives. The research results show that the factors that influence KUR returns are financial management which is the main basis for continuity consisting of managing income, expenses, and debt wisely, economic conditions consisting of business growth and opportunities for borrowers to increase income, customer risk perceptions influence take a KUR loan because they have an understanding of business risks and business security which includes physical protection, security and legal compliance. The research recommendation is to build a more in-depth risk assessment model by considering factors such as age, length of business, and gender to provide a more accurate picture of potential credit risk. Develop special programs to support groups that tend to experience difficulties in repayment, such as groups with low levels of education or groups with low income levels. Conduct regular monitoring and evaluation of the implementation of this policy to assess its effectiveness and make changes if necessary.
Strategy for Development of Potential Sectors in the Least Developed Regions (Case Study of Sintang District) Adven Panutan, Fransiskus Aswil; Rustam, Rinaldi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): 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.v7i2.4808

Abstract

This study aims to analyze and review the Potential Sector Development Strategy of the Least Developed Region of Sintang Regency, West Kalimantan Indonesia. The analysis method used in this research is Location Quotient (LQ) & Shift Share analysis. The data used are Gross Regional Domestic Product (GRDP) and Infrastructure Conditions and Supporting Facilities in 2018-2022. The results of the Location Quotient (LQ) calculation in Sintang Regency show that those included in the base sector are Agriculture, Forestry and Fisheries, Mining and Quarrying, Construction, Wholesale and Retail Trade; Car and Motorcycle Repair, Information and Communication, Financial Services and Insurance, Real Estate, Corporate Services, Educational Services and Health Services and Social Activities. Meanwhile, the non-base sectors are the Processing Industry, Electricity and Gas Procurement, Water Procurement, Waste Management, Waste and Recycling, Transportation and Warehousing, Accommodation and Drinking Food Provision, Government Administration, Defense and Compulsory Social Security and other Services. The results of the Shift Share Analysis show that the potential sectors that can be developed are Agriculture, Forestry and Fisheries, Mining and Quarrying, Construction, Wholesale and Retail Trade, Wholesale and Retail Trade: Car and Motorcycle Repair, Information and Communication, Financial and Insurance Services, Real Estate, Corporate Services, Educational and Health Services and Social Activities. These ten sectors have a positive influence so that they can be developed and can increase economic growth in Sintang Regency. In addition, the sustainable development process can be carried out in a good way if the leading sectors of the 17 sectors in Sintang Regency are known.
Digital Transformation in KITE Management (Easy Import for Export Purposes): Viewed from Administrative Process, Technological Aspects, and Human Readiness Ghina, Aluka; Rustam, Rinaldi; Syofyan, Syofriza
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): 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.v7i2.4888

Abstract

The Indonesian government is trying to increase export activities through community involvement, especially local entrepreneurs. Digital transformation is the main foundation for optimizing business, especially in the management of Ease of Import for Export Destinations (KITE). This research, using qualitative descriptive methods, explores the impact of digitalization on KITE management through the KITE Application. The research focus includes administrative process changes, technology usability, application effectiveness, data integrity, data security management, training policies, internal evaluations, fine policies, and user perceptions of the transition to the digital era. International trade, especially through ASEAN and AFTA, is an important focus for stimulating economic growth, with DJBC playing a key role in providing fiscal incentives and investment protection. KITE facilities provide important support for entrepreneurs in increasing production and managing company finances. Digital transformation, especially through the Ceisa application, is considered a step forward in customs services. Despite an increase in user satisfaction, further efforts are needed to achieve service stability and optimization. This research, through a qualitative approach and NVivo analysis, provides valuable insights regarding the implementation of the KITE Application and its impact on Indonesian exports, with the hope of providing recommendations for improving implementation, data security, and user response in the era of digital transformation.
Co-Authors ,, Agustina Abimanyu Adven Panutan, Fransiskus Aswil Amran, Ellyana Debbie Aryani Tribudhi Debbie Aryani Tribudhi Dian Octaviani Dini Hariyanti Erny Tajib Ghina, Aluka Hermanto Yaputra Imam Zul Fikri Jihan Githa Widianti Mahdawi, Mahdawi Mona Adriana Patriyasa Nirdukita Ratnawati nirdukita ratnawati, nirdukita Paramitha, Annisa Dwi Robert Kristaung Setyarini, Theresia Avila Dyah Soeharjoto Soekapdjo Soeharjoto, Soeharjoto Susy Muchtar Sutrisno, Mona Adriana Syofriza Syofyan, Syofriza Tribudhi, Debbie Aryani Yusran, Husna Leila