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All Journal Jurnal Ilmiah Manajemen Kesatuan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Yosy Arisandy
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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The Development Of Self-Employed Novice Entrepreneurs In Lampung Province, Indonesia Yosy Arisandy; Ani Mekaniwati; Aang Munawar; Iwan Darmawan; Yose Rizal
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 2 (2025): JIMKES Edisi Maret 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i2.3510

Abstract

The empowerment of novice entrepreneurs is vital for fostering inclusive economic development and addressing structural unemployment in Indonesia. This study evaluates the effectiveness of the Independent Novice Entrepreneur Program (Tenaga Kerja Mandiri Pemula/TKMP) implemented by the Ministry of Manpower in Lampung Province. Using a mixed-methods approach, the research integrates quantitative data from surveys and progress reports with qualitative insights from interviews with mentors and participants. The program’s performance is assessed based on five Key Performance Indicators (KPIs): (1) production of goods/services, (2) implementation of marketing strategies, (3) maintenance of financial cash flow records, (4) acquisition of Business Identification Numbers (NIB), and (5) development of structured business plans. Findings reveal that the program exceeded the 60% achievement target across all KPIs, with the highest performance in product development (94.19%) and marketing strategy (91.60%). However, challenges remain in financial literacy, NIB registration, and long-term business sustainability. This study highlights the importance of continuous mentoring, digital literacy, and academic collaboration to strengthen entrepreneurial ecosystems at the local level. The results offer evidence-based recommendations for improving policy design and implementation of entrepreneurship support programs in developing regions.   Keywords:  novice entrepreneurs, entrepreneurship development, government program, business mentoring, financial literacy, digital marketing, Lampung Province, mixed-methods, policy evaluation, small business empowermen
Pengaruh Transformasi Digital Terhadap Perilaku Nasabah dalam Penggunaan Fitur Paperless Onboarding : pada Nasabah Bank Syariah Indonesia KCP Panorama Bengkulu Anisa Nurhasanah; Yosy Arisandy; Miko Polindi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11571

Abstract

This study aims to determine the effect of digital transformation on customer behavior in using the paperless onboarding feature at Bank Syariah Indonesia (BSI) Panorama Branch, Bengkulu. The method used was a quantitative questionnaire, with 94 respondents who were BSI Mobile application users. Data analysis used SPSS with a simple linear regression test. The results showed that digital transformation significantly influenced consumer behavior, with a significance value of 0.000 (<0.05) and a coefficient of determination (R Square) of 0.700. This indicates that 70% of consumer behavior factors are influenced by digital transformation, while 30% are influenced by factors outside the study.
Co-Authors Aang Munawar Ani Mekaniwati Anisa Nurhasanah Iwan Darmawan Miko Polindi Yose Rizal