Development Of Micro Businesses Research Articles

The Impact of QRIS Policy on the Development of Micro Businesses in Medan City, Indonesia

This study analyzes the impact of the QRIS policy in the early stages of implementation on financial performance and expansion of the market share of micro-businesses in Medan City. Financial performance is observed through changes in turnover and net profit; meanwhile, market share is determined based on changes in the number of new customers before and after the implementation of the QRIS policy. This study employs the Difference in Differences (DiD) method. The type of data used is primary data. Purposive and random sampling was utilized with 50 samples of micro businesses for the treatment group and 50 for the control group. The time difference was found between before and after the implementation of the QRIS policy. The results of this study show that the QRIS policy has a positive and significant effect on the increase in new consumers. On the other hand, the QRIS policy has no significant impact on the net profit and turnover of micro businesses. The COVID-19 pandemic has significantly and negatively impacted micro-enterprises, sharply declining revenue and net profit. However, based on the magnitude of the decline, the control group experienced a relatively greater turnover and net profit decline than the treatment group. The implication of this study is the need for efforts to increase micro-entrepreneurs understanding of the importance of faster adaptation to advances in digital technology, one of which is adjustments to a more flexible payment system so that consumers can get a wider choice of payment schemes. In addition, payment system authorities should address various obstacles in using the system and provide more massive socialization of the products offered.

SURVIVAL STRATEGIES, REMITTANCE MANAGEMENT MODELS, AND MICRO BUSINESSES OF MIGRANT WORKER FAMILIES: A LITERATURE REVIEW

Indonesian Migrant Workers families employ various survival strategies, including saving, debt management, enhancing skills, and utilizing technology. These strategies help them cope with the challenges they face and improve their well-being. In terms of remittance management models, Indonesian Migrant Workers families utilize both formal and informal channels for sending and receiving remittance. They alson engage in micro business, such as culinary ventures, laundry services, and handicrafts, to generate additional income and meet their daily needs. However, Indonesian Migrant Workers families encounter challenges in establishing and sustaining micro business, such as limited capital, restricted market access, and lack of business management skills. To address these challenges, training programs, education, and broader market access are recommended to echance the success of micro businesses. The government plays a crucial role in supporting the well-being of Indonesia Migrant Workers families by implementing policies that facilitate the development of micro businesses and effective remittance management.

Analysis Effect of Productive Zakat on The Welfare Mustahiq Through Development of Micro (A Case Study at Badan Amil Zakat (BAZNAS), Yatim Mandiri, and LAZIS-NU Tulungagung in East Java)

The purpose of this study is to determine the influence of productive zakat on mustahik welfare through the development of micro businesses in the National Amil Zakat Agency (BAZNAS), Yatim Mandiri, and LAZIS-NU Tulungagung Regency East Java, and also to determine the influence of micro business development on mustahiq welfare.This study uses quantitative methods with an explanatory or confirmatory approach, namely to get an explanation of the relationship between variables, and using PLS (Partial Least Square) approach analysis. The objects in this study are productive zakat, the development of micro-enterprises, and mustahiq welfare. The results of the study showed that productive zakat had an effect on the development of micro enterprises, while productive zakat did not affect the welfare of mustahiq, and finally the development of micro enterprises did not affect welfare.

Pengelolaan Zakat, Infaq dan Sedekah dalam Pengembangan Usaha Mikro di Baznas Gresik

Poverty illustrates a multidimensional problem on economic factors, the emergence of programs implemented by the government to reduce the number of poor people such as distributing cash donations. Therefore the plan to make it happen Gresik Regency Baznas prepares a work program that is "Micro Finance Program" which is a program of assistance for small businesses with the aim of developing their businesses so they can develop and be able to return them to the mustahik in need. This research is a qualitative research that intends to look at the management model of zakat, infaq, and alms in developing micro businesses. From the results of the study it can be concluded that the management model of zakat, infaq, alms in the development of micro businesses in Baznas Gresik Regency is a Gresik empowered program where productive economies are held in microbusiness groups. Overall the achievement of the ZIS management program at the Gresik Regency Baznas has been optimal.

Pengaruh Zakat Produktif, Manajemen Usaha, dan Pendampingan Terhadap Perkembangan Usaha Mikro Mustahik di LAZNAS LMI Unit Layanan Blitar

This study aims to determine the effect of productive zakat, business management, mentoring on the development of micro-businesses in LAZNAS LMI Blitar Service Unit. The research population consisted of 67 mustahik people in the economic empowerment program at LAZNAS LMI Blitar Service Unit. The samples taken were 57 people based on simple random sampling technique. The results of the study using multiple linear regression indicate that there is a positive and significant effect both partially and simultaneously between productive zakat, business management, and mentoring on the development of mustahik micro businesses.

MICRO BUSINESS DEVELOPMENT STRATEGY TO OPTIMIZE BUSINESS LOCATIONS CULINARY TOURISM AREA

This study aims to identify and analyze the factors that influence the appropriate alternative strategies, and priority strategies for the development of micro businesses in the culinary tourism area. This research uses descriptive qualitative method by collecting data through interviews. Data were analyzed using three stages of strategy formulation: input stage, matching stage, and decision stage. This study found that the factors that influence the development of micro businesses in culinary tourism areas are varied products, low managerial ability of business owners, technological and information development, and changes in lifestyle and people’s interest in culinary products. Second, appropriate alternative strategies are to increase production capacity, maintain affordable product prices, provide adequate supporting facilities, take management training for business owners, conduct simple financial records, increase marketing through digital marketing, collaborate with suppliers of raw materials, and improve product quality and innovation. Third, a priority strategy in developing micro businesses in the culinary tourism area is to improve product quality and innovation.

MICROBUSINESS DEVELOPMENT AND QUALITY OF LIFE OF MICROENTREPRENEURS'S FAMILIES

ABSTRACT Purpose: This paper aimed at verifying the influence of microcredit in the development of microbusinesses and in the quality of life of the microentrepreneurs' families, using the elaboration of a structural equation model based on the borrowers' perception. Originality/gap/relevance/implications: In the last 15 years, only 9.3% of the studies analyzed (national and international) covered the topic "quality of life after the access to microcredit". The general goals of the Brazilian National Oriented Productive Microcredit Program (PNMPO) do not mention quality of life, and gaps are yet to be investigated. Key methodological aspects: It was developed a quantitative research, with a probabilistic sample consisting of 250 microentrepreneurs, borrowers of microcredit. Descriptive statistical techniques and analysis of structural equation models were applied with the aid of the softwares SPSS and AMOS. Summary of key results: It was observed that the factor business management exerts positive influence on the access to the media, on leisure and on quality of life. The access to the media and to leisure activities exerts positive influence on the quality of life. The variables used herein, when associated in a predecessor form, explain 54.0% of the transformation in the quality of life of the families benefited. Key considerations/conclusions: The results show the Program preference in benefitting women and encouraging their economic activity. It has been found the absence of joint and several guarantee, but the need for a guarantor for the granting of the loans. The entrepreneurs mostly work in the informal sector, despite government incentives. Through the increase in purchases of consumer goods, education, health and leisure, it was confirmed the improvement in the businesses' and in the quality of life of the families, after the microcredits were granted.

Influence Factor Analysis of Multi-Stage Management Engineering for Multinational Micro Businesses: An Empirical Analysis Using Data Envelopment Analysis

In recent years, to a large extent the emergence and development of micro businesses has shown the gaps of comparative advantages between large and medium sized enterprises and small enterprises. Owing to its economics of scope in production, micro businesses contribute to the development and prosperity of the overall market. For the multinational micro business, it is exposed to associated micro political risks in a foreign market in different developing stages (i.e. startup, developing, and mature periods). However, literature review indicates that little work has been done to assess and manage the political risks of multinational micro businesses, let alone provide the multi-stage analysis. To address this problem, this paper develops a multi-stage data envelopment analysis (MSDEA) model to investigate the influence of micro political risks on the efficiency of multinational micro businesses. The main influence factors of the micro political risks in the host country in different stages of startup, developing, and mature periods have been modeled by the MSDEA, to provide new perspectives on the influence mechanism of micro political risk on the multinational micro business. Then the decision makers can assess their companies’ micro political risks in different stages and hence develop target-oriented risk prevention policies. Empirical analysis has been implemented in this paper, along with discussion of potential strategies on assessment and management of the micro political risks for multinational micro businesses. The analysis results demonstrate that the factor of labor conditions was the critical one in the development of the multinational micro business in the startup stage. Good labor conditions may be more likely to avoid micro political risk. The factor of the congruence with national economic interests and goals also impacted the development of the multinational micro business in the startup stage. Hence, the findings of this work could provide valuable reference for multinational micro businesses in restraining the micro political risk.

Très petites entreprises et exclusion bancaire en France : les partenariats associations-banques

Very small firms and financial exclusion in France There is a growing concern about the ability of the existing financial sector to serve the lower end of the economy, especially the local economy. It seems that the financial sector is less and less willing or able to support the creation and development of micro businesses and to finance local initiatives. Then, what are the alternative strategies implemented by various actors achieving a better match the supply of financial services with local development needs ? One important point is the development of partnership between banks and non profit organizations. Together, they are trying to implement the idea that credit can help poor people to create a job. JEL Classification : G21