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Nita Sofia
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Departemen Pendidikan Ekonomi, Fakultas Ekonomi dan Bisnis, Universitas Negeri Padang Jln Prof Dr. Hamka, Air Tawar Barat, Padang Utara Kota Padang, Sumatera Barat, Indonesia 25132
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Jurnal Salingka Nagari
Published by Universitas Negeri Padang
ISSN : -     EISSN : 29629764     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Education Social Sciences
Jurnal Salingka Nagari e-ISSN: 2962-9764 (Elektronik) bertujuan untuk menyebarluaskan pemikiran konseptual, gagasan dan hasil penelitian yang telah dicapai di bidang pengabdian masyarakat, ilmu sosial dan ilmu pendidikan serta bidang terkait lainnya yang diterbitkan oleh Universitas Negeri Padang. Ruang lingkup jurnal ini memuat artikel ilmiah dari berbagai disiplin ilmu yang diadopsi dalam berbagai pengabdian kepada masyarakat, ilmu sosial dan ilmu pendidikan serta bidang lain yang relevan. Artikel yang diterbitkan di Jurnal Salingka Nagari atas hasil penelitian ilmiah asli dan menerima naskah artikel di bidang penelitian terapan dan pengabdian kepada masyarakat yang mencakup bidang keilmuan yang relevan dengan: ilmu sosial, ilmu pendidikan, bisnis dan ekonomi dari berbagai akademisi dan peneliti baik nasional maupun internasional .
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 152 Documents
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Dialektika Fenomenologis dan Rasionalitas Bertahan Hidup: Memaknai Kemiskinan pada Keluarga Miskin di Semampir, Surabaya Agustin, Dewien Nabielah; Putri, Rizky Trisna; Pertiwi, Juliana Bulan
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

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Abstract

This study aims to analyze the meaning of poverty from the perspective of poor families using a phenomenological approach. The government has defined poverty in various ways, using indicators from the Central Statistics Agency (BPS) and other institutions. Seven key informants participated in this study, all of whom had at least ten years of experience as poor families in Semampir, Surabaya. This study found that poverty forces the poor in Semampir to survive because they have no other options. The analysis shows that their vulnerability and powerlessness enable poor families to engage in a phenomenological dialectic, enabling them to survive with existing resources and jobs to meet daily needs despite facing many limitations. Kinship and employment bridge the gap. Savings or setting aside income serve as a benchmark for rationalizing what they must do to meet family needs. And the results of the data analysis indicate that limitations in how they can and how to survive are a strong reason for the inability of poor families to manage their finances.
Aksesibilitas UMKM Terhadap Kredit Usaha Rakyat (KUR) Pada Bank BRI Cabang Payakumbuh Permata Sari, Rossy endah; Irma Suryani Indra; Baitul Hamdi
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

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Abstract

This study aims to analyze the  accessibility of Micro, Small, and Medium Enterprises (MSMEs) within the "Kerupuk Sanjai" sector to the People's Business Credit (KUR) initiative administered by PT Bank Rakyat Indonesia (Persero) Tbk, Payakumbuh Branch. Employing a descriptive qualitative methodology, the research delves into the authentic experiences of MSME operators in securing formal financial resources, with particular emphasis on informational transparency, procedural simplicity, and technical impediments. Data collection involved in-depth interviews and on-site observations. The data were analyzed using the interactive model of Miles and Huberman, which includes data reduction, data display, and conclusion drawing/verification. The results reveal that although KUR is strategically accessible, its utilization remains obstructed by a notable disparity between regulatory frameworks and practical application. Certain entrepreneurs perceive the credit as readily obtainable and advantageous for capital expansion, whereas others encounter difficulties stemming from intricate administrative demands and insufficient financial education. The study posits that augmenting KUR accessibility necessitates not merely competitive interest rates, but also streamlined bureaucratic processes and more assertive engagement by financial entities. Such enhancements are imperative to foster equitable credit dissemination, thereby bolstering the viability of the informal economy in Payakumbuh.

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