Business Actors Research Articles

Strengthening Family Resilience For Micro, Small and Medium Enterprises

Work Family Conflict (WFC) is a pressure or imbalance between roles at work and roles in the family. Entrepreneurial families are very vulnerable to WFC, even more vulnerable than working families. Even though entrepreneurs are known to have flexible working hours, in reality entrepreneurs' working hours are unlimited. This service aims to provide assistance in strengthening the resilience of entrepreneurial families by focusing on managing stress and conflict in entrepreneurial families, building effective communication and balancing the roles of husband/wife of business actors in the family. The service partners are members of the Kaliurang Connection, which is an MSME community in Yogyakarta. The service method is training and counseling from a team of psychologists according to the participants' needs and problems.

Strategi Pemasaran Sosis Obong Dendra melalui Media Sosial Facebook

This study analyzes the methods and techniques of product marketing through social media, with a special focus on its impact on sales and brand awareness. This study takes the example of the business "Sosis Obong Dendra," which uses Facebook as the main platform to interact with customers, and has more than 1000 friends on the network. The research method used is descriptive qualitative with a case study approach, which allows for an in-depth exploration of the marketing practices implemented. The results of the study indicate that the use of social media effectively increases brand visibility and allows for direct interaction with customers. This interaction not only builds positive relationships but also strengthens brand loyalty among consumers. The findings show that this marketing strategy has succeeded in increasing sales, especially among the millennial generation who are active on digital platforms. In addition, the ability to understand customer needs and preferences through direct interaction increases engagement and satisfaction. This study confirms that social media is an important strategic tool in creating an engaging and personalized customer experience, as well as in building strong brand awareness in an increasingly competitive market. These findings provide valuable insights for business actors in formulating more effective marketing strategies.

ANALISIS KNOWLEDGE SHARING DALAM INOVASI BISNIS UNTUK MENINGKATKAN KINERJA USAHA MIKRO KABUPATEN CIANJUR MENGGUNAKAN PARTIAL LEAST SQUARE

The Cianjur Diskoperindagin recorded that 2,715 new MSMEs had emerged. However, Cianjur micro businesses experienced a significant decline in sales, making it difficult to design and implement marketing strategies. Therefore, micro businesses are required to produce quality, competitive products that have high competitiveness and to continue to innovate in terms of product development and sales. This research seeks to analyze the effectiveness of micro-enterprise knowledge sharing through business innovation. Research data was obtained by distributing questionnaires to 140 micro business actors in Cianjur. Data and conceptual models were tested using the PLS-SEM method with the help of SmartPLS4 software. The research results show that the tacit knowledge sharing variable is explained by the variables trust, organizational structure and employee attitudes with a variance value of (10%). Meanwhile, the explicit knowledge sharing variable can be explained by the variables trust, organizational culture, employee attitudes and motivation methods with a variance of (20%). The quality of innovation in this research can be explained by explicit and tacit knowledge sharing with a variance value (12%). This is different from the speed of innovation which can only be explained by tacit knowledge sharing with a variance of (11%). This research also shows that the operational and financial performance of micro businesses in Cianjur can only be explained by the speed of innovation variable.

The Influence of Sharia Financial Literacy and The Use of Digital Finance On Financial Inclusion with Financial Behavior as an Intervening Variable in Halal Food MSMEs in Palembang City

This research aims to analyze the influence of Sharia Financial Literacy and the Use of Digital Finance on Financial Inclusion with Financial Behavior as an Intervening Variable in Halal Food MSMEs in Palembang City. This research uses a quantitative approach method. The population in this research is Halal Food Business Actors in Palembang City with a sample size of 121 respondents. The data collection technique uses primary in the form of distributing questionnaires using a Likert scale. The data analysis technique in this research uses Outer Model Analysis, Inner Model Analysis, Bootstrapping, Path Coefficient. The results of this research show that: (1) Sharia Financial Literacy has a significant positive effect on Financial Inclusion, (2) Use of Digital Finance does not have a significant positive effect on Financial Inclusion, (3) Sharia Financial Literacy has a significant positive effect on Financial Behavior (4) Use of Finance Digital has a significant positive effect on Financial Inclusion 5) Financial Inclusion has a significant positive effect on Financial Behavior, (6) Financial Behavior is able to mediate Sharia Financial Literacy on Financial Inclusion as shown by the Indirect Effect calculation, (7) Financial Behavior is able to mediate the Use of Digital Finance on Financial Inclusion as shown Indirect Effect calculation.

Implementation of the Empowerment Program for Culinary Tourism Business Actors in the Coastal Area of Manado Bay, North Sulawesi Province

The Manado City Government through the 2020-2025 regional tourism development master plan has determined a special tourism destination cluster for culinary tourism areas with urban-coastal tourism attractions. The determination of this cluster is in line with the culinary potential managed by the community such as bakat sea fish and local snacks around the coast of Manado Bay. By using a qualitative research design, data was collected directly at the research location through interviews and observations, and secondary data was also collected electronically through internet media such as Google Scholar, WoS databases, Scopus, Arxiv by Cornell, Ulrich's Web, Science Direct, Directory of Open Access, JSTOR, SciELO, ERIC, ResearchGate and others. Data analysis using an interactive analysis model with data reduction, data display and conclusion drawing/verification stages. In addition, for the validity of the data analysis discussion, a focus group discussion was also conducted. The research findings that the implementation of the empowerment program for culinary tourism entrepreneurs in the Manado Bay Coastal Area has been carried out by the Manado City Government. Training, mentoring, provision of capital and business facilities and supervision as a form of empowerment activities carried out. The empowerment program is carried out separately or in collaboration with other public organizations. The seriousness in managing and developing businesses from the Community is a measure of the success of the implementation of the empowerment program.

Community-Based Participatory Action Research Methodology To Improve Financial Literacy And Financial Inclusion Of Women Entrepreuner

Financial literacy and financial inclusion are indispensable for business actors, especially women entrepreneurs. Financial literacy is financial knowledge related to the ability to manage finances, such as making budgets, interest rate knowledge, investments, savings, and so on. Meanwhile, financial inclusion is the availability of access to financial institutions, financial products and services. Until now, there is still a gap in knowledge and financial inclusion among business actors, especially women entrepreneurs, towards financial technology. If business actors have good financial literacy and financial inclusion, they can take advantage of financial technology services for the sustainability of their business. The target group for this community service is a women's business group that is a member of the Banyumas micro small and small entrepreneurs association (ASPIKMAS) in Cilongok District. There were 30 counseling participants. Counseling is carried out face-to-face. The result of this activity is that women entrepreneurs are more familiar with financial technology services and can choose the right services needed to ensure the sustainability of their business.

Evaluasi Kepatuhan Pelaku Usaha Petis Ikan HSN terhadap Sistem Jaminan Produk Halal (SJPH) di Konang Galis Kabupaten Pamekasan

In Pamekasan, many small and medium businesses have received halal certificates, but still have difficulty implementing SJPH in a sustainable manner. Many business actors do not fully understand that halal certification is not just a symbol, but is a system that needs to be implemented continuously and monitored closely. They often focus on the administrative aspects of certification, and ignore the importance of practice in daily activities. This research aims to determine the efforts of HSN fish paste business actors UMK in Pamekasan Regency in ensuring compliance with SJPH and evaluating compliance with SJPH implementation. The research method used is a descriptive qualitative research method, where the process of searching for data is through observation, interviews and documentation techniques. This method was chosen so that the research data is in-depth and comprehensive regarding the evaluation of HSN fish paste business actors' compliance with the Halal Product Guarantee System (SJPH). This research involved 4 fish paste business actors. The findings of this research show that HSN fish paste business actors are trying hard to implement SJPH, even though there are obstacles that hinder its effectiveness. However, there are weaknesses in supervision, internal auditing, and employee training. There needs to be more structured action to achieve optimal SJPH compliance and strengthen consumer trust.

Menakar Kebijakan Pendampingan Self Declare Halal oleh Perguruan Tinggi (Studi Kasus di Universitas Nahdlatul Ulama Sidoarjo dan Uin Maulana Malik Ibrahim Malang)

This study examines various government efforts to encourage halal product assurance, especially through the creation of derivative regulations and the establishment of the Halal Product Assurance Organizing Agency (BPJPH). However, small to micro-scale business actors still need help, especially related to registration fees and understanding the importance of halal certification. The study aims to explain the role of universities in East Java in assisting halal certification for Micro and Small Enterprises (MSEs) while analyzing the legal aspects and maqashid sharia. Using field research methods and qualitative approaches, it was found that the role of universities is as PPH assistants for MSEs who meet the halal certification criteria through the self-declare route. The implementation of self-declare halal assistance is faced with the obstacle of maintaining the activeness of registered PPH assistants, and there are still business actors who need to meet the requirements in the assistance process, such as lack of information on materials and expired material certification. An effective monitoring system is required to overcome potential errors in the halal certification process. Universities are also expected to be able to create program innovations to strengthen and activate the role of PPH assistants. The government, in this case, especially BPJPH, also needs to create a more consistent policy regarding halal certification registration through the application so that the criteria of the Halal Product Assurance System (SJPH), which is built on five basic principle frameworks (arkanul halal) can be met.

The Urgency of Banks in Implementing the Precautionary Principle as Consumer Protection in the Standard Clauses of Credit Agreements

The importance of the bank in applying the precautionary principle contributes to ensuring a sound banking system and protecting the country’s economy. In lending, the precautionary principle was manifested in a standard agreement between the bank as the creditor and the customer as the debtor. Credit agreements can lead to disputes, where the debtor sues the bank for violating the principle of consumer protection because it applies standard clauses in the credit agreement. The research method used is legal research with a statute approach and a conceptual approach). The results state that the application of the precautionary principle in making standard agreements manifests itself in the prohibition of financial service business actors including exoneration clauses to the detriment of financial service consumers as stipulated in Article 18 paragraph (1) of the Consumer Protection Act and OJK Regulation No. 6/POJK.07/Tahun 2022 concerning Consumer and Community Protection in the Financial Services Sector.

Optimalisasi Daya Saing UMKM Jeje Jangek Melalui Literasi Keuangan Digital di Desa Tanjung Gusta

Implementation of Real Work Lectures is one manifestation of the Tri Dharma of Higher Education, namely empowerment and community service. On this occasion the author carried out Real Work Lecture activities in Tanjung Gusta Village with the main program headline being the socialization of financial literacy to micro, small and medium business actors, especially fish cracker or jangek cracker business actors. The approach used consists of three methods, namely observation, interviews and documentation. The main work program implemented was visiting business actors making skin crackers to socialize about financial literacy and digital promotion. Then the author also held two supporting work programs, namely the socialization of financial literacy education and sharia investment, the main focus of which was on education about investment and financial management and the second was the implementation economic market day for elementary school students with the aim of cultivating students' talents and interests in the field of entrepreneurship. Both the main and supporting work programs were carried out well and without significant obstacles due to support from Tanjung Gusta Village officials, the community and fellow students who worked together to make the work program successful.

La Construcción y consolidación de la paz: acciones en el marco de la responsabilidad social de las mipymes en colombia

This article is the result of one of the objectives formulated in the research project, developed between the Minuto de Dios University Corporation - UNIMINUTO, Bogotá headquarters, the ITM Higher Education Institution of Medellín and the National Institute of Professional Technical Training - INFOTEP of San Juan del César (La Guajira), which seeks to propose Corporate Social Responsibility (CSR) strategies for MSME that encourage the linkage of these organizations to peace-building actions from the territory. It starts from the question: What are the actions within the framework of social responsibility, carried out by MSME, that enable the construction and consolidation of Peace in their territories? The reference places, the Metropolitan Area of Medellín, the municipality of San Juan del César and the municipality of Aguazul (Casanare), were taken into account as analysis scenarios. The topic of Social Responsibility for MSME is framed, in an analytical and descriptive manner, in the components presented by the ISO 26000 standard (ISO, 2010), and the lines of action formulated in the 2016 Peace agreement between the government of President of Colombia, Juan Manuel Santos and the extinct FARC Guerrilla (today the Comunes party) in Colombia. Based on the findings obtained, the business actions that are formulated in a CSR Plan must seek to deepen their relationship with the environment, positively impacting a stable and lasting construction of peace.

ANALISIS PENGHAMBAT AKSES PENDANAAN USAHA KECIL MIKRO DAN MENENGAH DI KABUPATEN KONAWE SELATAN

This research aims to determine the factors inhibiting access to MSME funding that occur in the South Konawe Regency. The method in this research uses qualitative research methods with a descriptive approach. The data collection method was carried out by conducting interviews with MSME actors and the Cooperative and MSME Service in South Konawe Regency. From the results of the research carried out, it was found that several factors cause obstacles to access to funding, namely, there are still many MSME actors who do not legalize their businesses using their Nomor Induk Berusaha (NIB) and the lack of assistance provided by the government through the Cooperatives and MSMEs Service to business actors in South Konawe Regency.

Innovation capabilities and performance of small and medium-sized enterprises in Indonesia

Orientation: Entrepreneurial orientation (EO), knowledge management (KM), human resource management (HRM) and knowledge sharing (KS) are important aspects in driving innovation capabilities (IC) to improve organisational performance (OP).Research purpose: The purpose of this research was to analyse the mediating effect of IC on individual EO, KM, HRM and KS and small and medium-sized enterprises (SMEs) performance.Motivation for the study: The fluctuation in batik business performance can be attributed to a lack of studies that examine the dynamic capability perspective in the context of batik SMEs in developing countries.Research design, approach and method: A quantitative approach was used for this study. A structured self-administrative measuring instrument was employed to collect the data. A non-probability sample of 297 participants was obtained. The collected data were then analysed using SmartPLS3 software.Main findings: Innovation capabilities have been verified to significantly mediate the relationship between HRM and KS on OP. Innovation capabilities mediated the relationship between KS and OP in a negative direction, whereas previous studies indicate a positive direction.Practical/managerial implications: Entrepreneurial orientation has the most prominent role in OP in batik SMEs. An EO allows business actors to optimise their creativity and innovation to develop ideas, which helps maximise the growth of OP in SMEs.Contribution/value-add: This study’s results support the concept that EO develops various skills, from managing uncertainty to tolerating risk and forming strong entrepreneurial abilities to improve business performance.

Increasing Culinary Companies' Empowerment Through Human Capital, Social Capital, Generation Z, and Social Media as an Intervening

This article is related to empowerment influenced by human capital, social capital, and Generation Z through social media in start-up culinary companies in Madura. The research was conducted on new or existing business actors using internet-based technology or social media in Madura (Bangkalan, Sampang Pamekasan Sumenep), there were 241 respondents in total. Data were obtained using multiple regression correlated analysis, using AMOS. The results show that there is a significant influence that human capital, social capital, and and Generation Z have a significant effect on empowerment both directly and indirectly through social media intervening, especially in Madura, East Java. There is a change in business patterns from a manual or traditional system to a modern or contemporary business based on an online/internet system in Madura. This business pattern can be the same as what is happening in other regions nationally, where all business sectors are now changing with modern concepts so that they can increase income as part of the method to face global business competition. observation was made by involving business actors, especially Generation Z which has an impact on empowerment. Keywords: human capital, social capital, generation Z, social media, empowerment, culinary startup company

Intellectual Capital and Company Performance with Innovation as Mediation Variables

This study aims to examine the correlation between intellectual capital, innovation, and corporate performance in micro, small, and medium enterprises (MSMEs) located in East Java, Indonesia. The proxy for each variable uses a Likert scale measurement by distributing questionnaires to MSME actors. The research sample consisted of 125 MSME actors who completed a returned questionnaire, whereas the study population consisted of 500 MSME company players. The PLS 3 software program is used in the quantitative descriptive data analysis technique. The findings demonstrated that innovation has a major impact on business success and that intellectual capital has a considerable impact on both. Additionally, innovation mediates the relationship between intellectual capital and business performance. Increased innovation will eventually lead to improved company performance if the intellectual capital developed by MSME business actors is more focused on innovation. Specifically the speed and quality of innovation, such as creating new and high-quality products, high-quality services, and problem-solving strategies that are also more accurate than those of other companies. This research contributes to the implications of intellectual capital in the business world which can be carried out early on, in the sense that even though companies are on a micro scale, MSME business actors can manage intellectual capital well in creating company performance. Keywords: intellectual capital, innovation, company performance, MSMEs

Pengaruh Persepsi Dan Pemahaman Tentang Laporan Keuangan Terhadap Kualitas Laporan Keuangan Pelaku UMKM

This research attempts to ascertain how business actors' attitudes and comprehension impact the quality of financial reports in Kecamatan Johan Pahlawan, West Aceh Regency. While presenting comprehensive financial reports is challenging for them because not all business owners have studied accounting in-depth, some MSME actors in Johan Pahlawan District believe that accounting is not that important. All they know is that it records incoming and outgoing cash flows. tief. The general public has very little knowledge of accounting, but businesses of a reasonably big size may afford to hire an accountant or purchase software to make it easier to prepare financial reports that comply with current laws. A quantitative technique was used in this investigation. Primary data from a research sample of ninety-three MSME actors in Kecamatan Johan Pahlawan, West Aceh Regency, was directly gathered via the use of questionnaires by the researchers for the objectives of this study. Multiple linear regression data analysis is the technique employed. Based on the study's findings, Kecamatan Johan Pahlawan, West Aceh Regency's MSME financial reports' quality is significantly influenced by business actors' attitudes and knowledge, with a significant value of 0.000. The quality of MSME financial reports in Johan Pahlawan District, West Aceh Regency, is thus determined by the perception and comprehension of business players, leading to the conclusion that the alternative hypothesis statement (Ha3) is accepted.

PELATIHAN DESAIN LOGO DAN KEMASAN UMKM KERIPIK PISANG DESA TRUNAMANGGALA MELALUI PENJUALAN DIGITAL MARKETING

The development of micro, small and medium enterprises aims to generate income for the lower middle class and is the most important driver in the national economy. In an effort to improve the welfare of micro, small and medium enterprises, the government currently offers various programs to business actors, including business capital, training, and business assistance with stakeholders. The banana chip business, which is one form of small micro business in Trunamanggala Village, Cimalaka District, Sumedang Regency, has problems in the form of the absence of a logo as a product identity, the absence of attractive packaging and the lack of utilization of digital marketing technology in its sales so that an assistance is needed to overcome this. Therefore, this community service method uses a training and socialization approach which aims to provide training in making product logos as well as providing training in marketing products online. The positive impact of this training is to increase market attractiveness and interest to help product images with creative logos, MSME players have products in digital marketing so that they can increase promotion of banana chip MSME players and increase the economy and profits for banana chip MSME players in Trunamanggala Village.

Legal Consequences for Businesses which include Exoneration Clauses in Online Sale and Purchase Agreements

With the rapid development of internet technology, products offered by business actors can now be marketed and distributed quickly and globally through websites. This allows anyone, regardless of location, to directly access these sites and make online transactions. However, in some cases, business actors include terms such as "goods cannot be exchanged or returned" or "No Complain," which fall under what is known as an exoneration clause. The problems formulated for discussion are: 1) How can consumers anticipate and respond to the inclusion of exoneration clauses in online sales and purchase agreements? and 2) What are the legal consequences for business actors who include exoneration clauses in online agreements? The research method used is normative legal research, which analyzes legal problems, facts, and related legal phenomena through a legal approach to obtain a comprehensive understanding of the issue being studied. This descriptive analytical research aims to describe the situation or problem without drawing universally applicable conclusions regarding the legal consequences for business actors who apply exoneration clauses in online sales and purchase agreements. Based on the research results, the author concludes that business actors who include exoneration clauses for food products in online agreements are absolutely liable for any losses suffered by consumers. In such cases, the business actors are directly responsible for product defects caused by their own negligence.

Legal Responsibility of Businesses Who Distribute Food Products that are not Fit for Consumption or Expired

In food products, it is very important to include information about the expiration date to protect consumers from the dangers of poisoning from expired products. The expiration date must be written on the product packaging or on the packaging box only. Usually, products that include information about the expiration date are products that come from factories or industries that produce in large quantities and have been widely distributed. However, sometimes there are some manufacturers who deliberately do not include the expiration date on their product packaging for profit alone. The act of selling products that are no longer fit for consumption is an act that is detrimental to consumers and violates the Consumer Protection Act with quite severe sanctions for the community or entrepreneurs who trade them. The formulation of the problem discussed is: 1) What are the legal consequences for business actors who deliberately distribute food products that are not fit for consumption or expired? and 2) What is the legal responsibility of business actors who deliberately distribute food products that are not fit for consumption or expired? The research method used is the normative juridical method, namely analyzing the relationship between applicable laws and regulations with legal theories and the practice of implementing positive law concerning the problems discussed. Keywords: legal responsibility, business actors, distribution of food products, expired

ANALISIS PERBEDAAN SISTEM PENYULUHAN PERTANIAN PADA MASA SEBELUM DAN SELAMA PANDEMI COVID-19 DI KABUPATEN MALANG

The agricultural extension system is a whole series of development of abilities, knowledge, skills and attitudes of main actors and business actors through extension. The agricultural extension system in Indonesia has experienced quite dynamic ups and downs since the COVID-19 pandemic hit this country. The extension system has changed in line with the policies taken by the government in response to Covid-19. This research aims to determine the effect of differences in agricultural extension systems before and during COVID-19 in the Malang Regency. This research method is descriptive qualitative with data analysis using Structural Equation Modeling. The research analysis results show significant differences in the agricultural extension system before and during COVID-19 in Malang Regency. During the pandemic, there have been significant changes in agricultural extension methods. Online methods and information technology are increasingly dominant, while face-to-face meetings have decreased drastically. Even though online methods are increasing, there are challenges in information accessibility for some farmers, especially farmers who live in rural areas with limited technological infrastructure. Farmer participation in extension activities tends to decrease during the pandemic. Factors such as technological limitations, unstable internet connections, and difficulty understanding online material are the main causes. The Covid-19 pandemic has also had a significant economic impact on farmers. The main challenges faced by farmers during the pandemic are limited market access, increasing prices of agricultural inputs, and decreasing selling prices for agricultural products.