Economic People Research Articles

IMPLEMENTASI EKONOMI KERAKYATAN BERBASIS EKONOMI DIGITAL UNTUK MEMBANGKITKAN UMKM PADA MASA PANDEMI COVID 19

The COVID-19 pandemic has forced the public to implement health protocols to reduce the number of COVID-19 spreads. The impact of the COVID-19 pandemic has forced MSME actors to be able to survive with this condition. Many MSME actors who cannot survive in this condition have gone out of business. However, some MSMEs have more ideas that can be used as solutions to overcome problems during a pandemic. This solution is expected to make MSME actors able to rise during the pandemic. MSMEs that act as the foundation of the people's economy can create a digital-based economy in their application. Based on the results of the research conducted, it is concluded that the role of MSMEs as a people's economy can be the mainstay of the community in a pandemic condition. MSMEs that can survive during the COVID-19 pandemic are using online marketing (digital marketing) to increase sales during the COVID-19 pandemic.Keywords: digital economy, people's economy, UMKM

Farmers and Poverty: Farmer Complaints and Problems in Mutunggeding Village

Poverty reduction strategies should refer to who and why poverty occurs to make sustainable development programs effective for the welfare of society. The research aims to describe the problem conditions of the farmer households in Mutunggeding Village, Umalulu District, East Sumba Regency, with an overview of natural assets and human and physical resources. The research method used descriptive qualitative based on secondary and primary data from observations, documentation, and in-depth interviews with 102 randomly selected farmers to answer 41 key questions. The study results found that most farmers were young farmers with paddy fields and gardens, had low education and had supporting skills and good health. However, these land assets have yet to function optimally to meet household economic needs due to a scarcity of subsidized fertilizers, minimal hand tractors, and uneven distribution of irrigation water. This condition will be even more severe if the farmer must bear the burden of customs and culture, so you must go into debt and pawn your paddy fields. On the other hand, the strength of the community's social assets is a strong capital to survive against poverty. Therefore, the Government needs to strengthen the synergy of farmer groups, agricultural BP3K, and BUMDesa in overcoming the fundamental problems experienced by farmers and also needs to strengthen the institutional capacity of BUMDesa as a foundation for improving the people's economy.

Aksesibilitas Perempuan Terhadap Lembaga Keuangan Mikro

The role of microfinance institutions in boosting the people's economy is urgently needed. Providing access to microfinance is considered one of the key programs for efforts to eradicate poverty, especially since so far the poor have faced many obstacles in accessing other banking systems or institutions. One of the microfinance products rolled out is PT. Permodalan Nasional Madani Mekaar (PT. PNM Mekaar) which was established in 2015 with more than 10.8 million customers. This research was conducted with the aim to find out how customers' perceptions of PT. PNM Mekaar and its contribution to micro business income before and after getting financing. The sample is entrepreneurs who are classified as micro businesses who are PNM Mekaar customers in Medan, Johor, totaling 43 customers. The data used are primary data, sourced from the results of distributing questionnaires and secondary sources from the Central Statistics Agency (BPS), the Financial Services Authority (OJK). This method uses descriptive analysis method and inductively with paired difference test. The results showed that there was a significant influence between the income of Micro and Small Enterprises before and after obtaining financing from PT. PNM Mekaar

Peranan Pasar Modal Dalam Perekonomian Negara Indonesia

The capital market is a financial market that brings together fund owners and fund users for medium-term and long-term investment purposes. With the existence of a capital market, it can improve the country's economy for the progress of the Indonesian state. The method that researchers use is literature study by collecting, reading and recording literature studies related to the subject being researched, then processing it as a basis for building a unified framework. In conclusion, the capital market is a solution for the people's economy which also has an impact on the country's economy as a vehicle for meeting development financing needs, of course the capital market has oversight of ongoing investment activities by the government and IDX.

ANALYSIS OF THE CHARACTERISTICS OF FINANCIAL RISK IN CONTRACT WITH THE PRINCIPLE OF PROFIT-SHARING IN SHARIA BANKING

Risk is a loss born as a result of a specific condition. Islamic banking, a financial institution that bases its operational activities on Islamic law, cannot be separated from risks. This risk can threaten operational continuity, the worst consequence of which can be closure because it cannot operate. Mudharabah and musyarakah contracts are contracts with the principle of profit-sharing. At the beginning of the operation of Islamic banking were the mainstay products to eliminate the interest system practiced in conventional banking. Musyarakah and musyarabah contracts are very strategic products to help advance the people's economy by distributing funds for the trade and industry sectors. Lately, musyarakah and mudharabah contracts have not become the leading service. Banking services are more on consumptive contracts such as murabahah, ijarah, Qardh, and others. The high-risk character attached to the profit-sharing contract triggers the unpopularity of this contract in Islamic banking services. This paper is intended to describe the characteristics of contract risk with the principle of profit-sharing and the identification of potential risks that accompany it. Therefore, it makes it easier for interested parties to undertake risk management efforts. In contrast, they continue to ensure whether these efforts run according to sharia.

THE ROLE OF COMMUNITIES LIVING IN WATERSHEDS TOWARDS FLOOD DISASTER MANAGEMENT : SYSTEMATIC REVIEW

Introduction. Disaster is a series of events that can threaten and disrupt human life, caused by natural and non-natural factors. A flood disaster is a natural disaster that can occur due to extreme storms in the upper watersheds, climate change, and geomorphological conditions of soil slopes, erosion, and sediment material. Flood disasters will have an impact on the social situation, people's economy, health status and death. Method. A systematic review was conducted through several stages, namely making questions, identifying, eligibility, selecting article inclusions, screening, and appraisal. The selection process was listed in the Systematic review framework and 10 articles are obtained. Later, articles were summarized and rated according to The Joanna Briggs Institute (JBI) in each article. Result&Analysis. The data shows that the results vary according to the system, and the conditions in which the study was conducted. Increasing the role of the community in flood disaster management efforts is done by increasing community knowledge, skills and experience, related to an efficient disaster management system, with several methods, namely by giving questionnaires and conducting interviews with the community or family, special training and simulations. Discussion. To increase the awareness and role of the community in managing flood disasters, several methods are applied. The simulation method is an educational effort that can be used to improve people's knowledge, skills, and experience in conducting flood management activities.

Integrated Marketing Communication [IMC] Desa Wisata Wonolopo Dalam Upaya Publikasi Ikonik “Kampoeng Jamu”

Awareness for the community in the tourism that the area is one of the tourist destinationsthat has the potential to improve the people's economy, so the pioneers and movers of the touristvillage must be able to synergize all existing components to move together to build their villageand participate in every activity that exists during tourist visits. Management that is conditionedand managed by the community itself, so that young people who will later become pioneers andmovers are equipped with the ability to publish and promote their tourist villages by utilizinginformation technology, especially digital marketing. 
 Optimizing the use of information technology in the form of digital marketing as a meansto promote and publicize Kampoeng Jamu, Wonolopo sub-district for young people driving theWonolopo tourist village to be very strategic in relation to the acceleration to be able to lift thepotential that exists in the area so that the tourism potential in the Wonolopo tourist village oneof them which is an icon of the Wolopo tourist village is "kampoeng Jamu" with traditionalherbal products carried so that it is more widely known. Integration of MarketingCommunication is provided in digital marketing materials with digital content in the form ofphotos of products and services as well as story telling so that they are very familiar toconsumers, followed by material on optimal use of social media that can be made viral byeveryone involved in digital marketing for tourist villages. Wonolopo, specifically forcommodities from Kampoeng Jamu

UMKM Empowerment Strategy, and Their Effect on the Economy of Village Communities

UMKM have an important role in driving the people's economy, because most of the business actors are carried out by small communities (villages). However, the existence of village MSMEs has not developed in accordance with expectations because there are still a number of obstacles faced in empowering UMKM. The problems of UMKM themselves have a number of different potentials and characters, so that the government is not so easy in determining the UMKM empowerment program. For this reason, a comprehensive and comprehensive empowerment program is needed that is able to accommodate and overcome the various challenges faced by each UMKM. The village UMKM empowerment strategy focuses more on business development efforts through capital assistance programs, strengthening institutional capacity, education, technology transfer, and developing business networks and cooperation. Ease of access to capital is still a classic problem faced by UMKM, so UMKM are difficult to develop and have low competition . In addition, institutional strengthening such as BUMDES has not been able to become a forum that is able to mobilize and grow village MSMEs, as a result it is difficult to develop and low sustainability, and low technology transfer in producing their products, as a result it is difficult to enter modern markets. Keywords : Strategy, Empowerment, UMKM, economy, village. DOI: 10.7176/RHSS/12-22-04 Publication date: November 30 th 2022

Kajian Literatur Pemanfaatan Sistem Informasi Geografis Untuk Pariwisata Indonesia

The tourism sector as an economic activity has become a potential mainstay and development priority for a number of countries. Especially for developing countries such as Indonesia which has a large area potential with a large enough tourist attraction. The potential of tourism in Indonesia stretches widely from the Province of Nangroe Aceh Darussalam to the Province of Papua with all the diversity of tourism objects, arts and culture and the availability of tourism supporting facilities and infrastructure that are capable of driving the people's economy. So that the number of tourists continues to increase and does not experience saturation of tourist objects, there needs to be development in the tourism sector. The purpose of this study was to determine the distribution of natural and cultural tourism in Indonesia. To achieve this goal, research methods are used by mapping the distribution of natural and cultural tourism in Indonesia, by plotting the tourist sites. In order to determine the distribution of natural and cultural tourism in Indonesia, descriptive research methods are used by describing maps. From this description, it is necessary to have an information system that provides information about tourist sites in Indonesia. One of the presentations of this tourism information is through displaying in the form of data or information related to geographical conditions in the territory of Indonesia, this system is often known as the Geographic Information System (GIS). The existence of a geographic information system will provide an alternative convenience for the public to find information about tourist locations and information in Indonesia and provide convenience to the Department of Culture and Tourism in Indonesia in processing data on information on tourist locations in Indonesia.

The Effect of Understanding SAK-ETAP and the Quality of Human Resources on the Quality of Financial Reports in Savings and Loan Cooperatives at South Denpasar District

The existence of cooperatives as a support for the people's economy to support Indonesia's economic growth. Financial reports are one of the important factors as a report on the accountability of cooperative management and the condition of cooperatives to members and owners of cooperatives in the main forum that must be held by every cooperative, namely RAT. In preparing quality financial reports, it is necessary to have an understanding of SAK-ETAP, and quality human resources. This study aims to determine the effect of understanding SAK-ETAP, and the quality of human resources partially and simultaneously on the quality of financial reports. The location of this research is the Savings and Loan Cooperative in South Denpasar District. The population in this study were employees of the Savings and Loans Cooperative in South Denpasar District and the sample in this study was 70. The data analysis techniques used in this study were Validity Test, Reliability Test, Classical Assumption Test, Multiple Linear Regression Analysis, F Test, T test and Coefficient of Determination Test. From the results of the study, it can be seen that: (1) understanding of SAK-ETAP has a significant positive effect on the quality of financial reports (2) the quality of human resources has a significant positive effect on the quality of financial reports. 3) Simultaneously understanding of SAK-ETAP and the quality of human resources have a significant effect. on the quality of financial reports. The magnitude of the influence of understanding SAK-ETAP and the quality of human resources on the quality of financial reports is 57%. Suggestions that can be given by researchers are Savings and Loans Cooperatives in South Denpasar District are expected to routinely provide training and guide employees

POST-PANDEMIC MSMEs RECOVERY CHALLENGES AND STRATEGIES IN MEDAN CITY

The Covid 19 pandemic is a situation that has a very direct impact on MSMEs. The situation of spread of this disease greatly disrupts the activities of human life, including in the world of economy and trade. MSMEs as the basis of the people's economy at the grassroots level have been severely affected, starting from bans on leaving the house, restrictions on trading hours, to forced closures due to the implementation of the Community Activity Restrictions (PPKM) policy. The real impact is that sales figures fell drastically and prices of basic necessities rose sharply. This paper aims to analyze the challenges and strategies for MSME recovery in the city of Medan after the pandemic. To discuss this problem using the method of literature study. The results of the discussion show that MSMEs in Medan City are deemed necessary to take advantage of the role of digitalization technology in supporting smooth promotions and sales, establishing partnerships with financial sector institutions in terms of capital, and building partnerships with various organizations and business partners to expand business networks. Taking advantage of opportunities for assistance from Medan City Government programs such as participating in the E-Catalog program means that the Medan City Government becomes a market (buyer) and also an intermediary for MSMEs products in Medan City.

Distribution of Cash Waqf with Debt and Receivable Mechanisms Perspective of Islamic Law and Positive Law

Cash waqf has great potential as a source of productive waqf funds that aim to build the people's economy and improve the welfare of the community. Productive waqf is the waqf property used in production activities and the results are distributed according to the purpose of the waqf. Many productive waqf designs have been developed by several parties engaged in the Islamic economic sector, such as the distribution of cash waqf funds for the empowerment of small and medium enterprises (SME). As has been done by the Global Action Agency for Fast Responses in Madiun, in which the distribution of waqf funds is channeled to small and medium-sized enterprises owned by the community using a debit and credit mechanism. There are pros and cons to the design of productive waqf like this because according to some opinions, waqf funds can only be produced for the social interests of the people, not for personal use, besides that according to waqf regulations in force in Indonesia, waqf assets may not be sold, given away, used as collateral, and may not be used as collateral. transferred in the form of transfer of other things. Departing from the various problems that need to be reviewed and analyzed in-depth, the researchers used a qualitative descriptive method by describing the actual state of the phenomenon of the object under study and then comparing it with the existing theory. The first stage is to collect data regarding the management and distribution practices of Cash Waqf funds at the Global Action Agency for Aksi Cepat Tanggap Madiun. The second stage is managing the data that has been obtained, then the last stage, the data obtained is tested and analyzed according to Islamic law and waqf regulations in Indonesia, and then finds the results of the research. With the source of the data obtained from the ACT Institution and the party receiving the funds used for the source and SME. The purpose of this study was to find out the practice of managing and distributing cash waqf funds at the Global Aksi Cepat Tanggap Madiun Institute and to determine their compliance with Islamic law and waqf regulations that apply in Indonesia.

Analisis Strategi Pengembangan Usaha Kain Pada Usaha Mikro Kecil Dan Menenah (UMKM) Kota Binanga (Studi Kasus Toko Kain A.A Mahmud)

This research was conducted to identify and analyze the strategy of developing the fabric business in the micro, small and medium enterprises of MSMEs in Binanga City, Kec. Barumun Tengah, Padang Lawas Regency. This research is descriptive in nature, namely research that aims to determine the development of the fabric business as the basis of the people's economy is something that needs to be followed up with real steps, by carrying out three strategies, namely management strategy, investment strategy and business strategy. The development of MSMEs needs to be destination directed at analyzing competitiveness, and formulating efforts to increase competitiveness in the context of developing competitiveness and the national economy, sharpening competitiveness is an effort that is in line with future competition. With a strategic location, promotions that can attract customers and sufficient capital will increase business development.

PENGARUH PENGETAHUAN, KETERAMPILAN DAN SIKAP KERJA TERHADAP KINERJA PENGELOLA BADAN USAHA MILIK DESA (BUMDES) DIKECAMATAN PALIBELO

Village-Owned Enterprises (BUMDes) are village business entities that are managed by residents and village governments in an effort to strengthen the village economy and build socio-economic residents based on the needs and abilities of the village. oriented towards improving economic and social welfare, functioning actively in an effort to improve the quality of human life and citizens, strengthening the people's economy as under the strength and resilience of the economy. (BUMDes) in Palibelo District. This research is an associative research, namely research that seeks a relationship between one variable and another. The relationship used is a causal relationship that is causal. In this type of research, there are hypotheses that will be tested for truth. The hypothesis itself describes the relationship between two or more variables and to find out whether a variable is associated or not with other variables, and or whether a variable is caused/influenced or not by other variables. The research sample of all BUMDes members of Palibelo District was 54 people. The research instrument is a questionnaire using a Likert scale. The data is then analyzed using multiple linear regression analysis. The results show that knowledge, attitudes and work skills have a significant and positive influence on the performance of BUMDes managers in Palibelo District, Bima Regency. Village governments throughout the Palibelo sub-district should pay more attention to the performance of BUMDes managers by recruiting managers based on competence and carrying out strict supervision of the performance of managers so that the results of supervision become the basis for evaluating the work of each manager.

Re-Actualization of the Community Economy Based on Mutualism and Brotherhood Post-Covid-19 in Digital Economic Transactions

Even though the Covid-19 outbreak caused anxiety, it must be interpreted as having brought positive things to economic life. One of them is the emergence of Micro, Small and Medium Enterprises (UKKM) whose business activities are facilitated by information technology. The business relationships that have been built are characterized by family values, mutual cooperation values, and efforts to deal with the epidemic period, as well as being forward-looking after the outbreak ends. This social phenomenon is to actualize the people's economy in digital economic transactions. This study assumes a people's economy paradigm based on mutualism and the principle of kinship in digital economic transactions. The paradigm of economic development based on the values of local wisdom and Indonesianness is a new hope for the people's economy in realizing the constitutional mandate that prioritizes the interests of the people. The role of technology in the economy during the Covid-19 era is very large, having an impact on efficiency and effectiveness in meeting the economic needs of the community. Based on this, it is necessary to conduct a legal study of the actualization of the people's economy based on mutualism and the principle of kinship as an economic recovery post-covid-19. The purpose of the research is to examine the legal basis for the People's Economy on community economic activities based on the post-covid-19 digital economy. The research method uses secondary data, in the form of legal documents on laws and regulations in the economic field, various research results from legal and economic experts and field data in the form of interviews and observations. The data were analyzed qualitatively juridically, through legal interpretation, harmonization and synchronization of laws. The results of the study show that, the concept of a populist economy is actualized in community economic transactions based on post-covid-19 digital economic technology; Mutualism and familial values can be used as a legal basis in the paradigm of constitutional national economic development.

Distribution of Cash Waqf with Debt and Receivable Mechanisms Perspective of Islamic Law and Positive Law

Cash waqf has great potential as a source of productive waqf funds that aim to build the people's economy and improve the welfare of the community. Productive waqf is the waqf property used in production activities and the results are distributed according to the purpose of the waqf. Many productive waqf designs have been developed by several parties engaged in the Islamic economic sector, such as the distribution of cash waqf funds for the empowerment of small and medium enterprises (SME). As has been done by the Global Action Agency for Fast Responses in Madiun, in which the distribution of waqf funds is channeled to small and medium-sized enterprises owned by the community using a debit and credit mechanism. There are pros and cons to the design of productive waqf like this because according to some opinions, waqf funds can only be produced for the social interests of the people, not for personal use, besides that according to waqf regulations in force in Indonesia, waqf assets may not be sold, given away, used as collateral, and may not be used as collateral. transferred in the form of transfer of other things. Departing from the various problems that need to be reviewed and analyzed in-depth, the researchers used a qualitative descriptive method by describing the actual state of the phenomenon of the object under study and then comparing it with the existing theory. The first stage is to collect data regarding the management and distribution practices of Cash Waqf funds at the Global Action Agency for Aksi Cepat Tanggap Madiun. The second stage is managing the data that has been obtained, then the last stage, the data obtained is tested and analyzed according to Islamic law and waqf regulations in Indonesia, and then finds the results of the research. With the source of the data obtained from the ACT Institution and the party receiving the funds used for the source and SME. The purpose of this study was to find out the practice of managing and distributing cash waqf funds at the Global Aksi Cepat Tanggap Madiun Institute and to determine their compliance with Islamic law and waqf regulations that apply in Indonesia.

OPTIMALISASI PENYALURAN ZAKAT PRODUKTIF TERHADAP PEMBERRDAYAAN EKONOMI UMAT

The presence of the Amil Zakat Institution (LAZ) must be at the forefront of initiating community empowerment with the funds collected. The potential of ZIS is at least one of the important assets that has been utilized at least not only for consumptive purposes but zakat is managed productively. One of the Amil Zakat Institutions (LAZ) is NU CARE LAZISNU which has an important role as a guardian of the development of stability in society. Currently, NU CARE LAZISNU has a special program that focuses on 4 (four) pillars of the program: education, health, disaster and economic development. On this occasion, NU CARE LAZISNU implements productive zakat and is committed to providing assistance in the development, marketing, and improvement of quality and affordable products. This program provides working capital in the form of revolving capital for mustahiq. This research method uses a case study, which is one type of qualitative research with two types of data, namely primary data and secondary data. The results of the first research, Optimizing the distribution of productive zakat in empowering the economy of the people in LAZISNU East Java, namely maximizing the existence of a system of distributing assistance to the community which is not only consumptive but has also been productive in MSME capital assistance distribution in almost every district/city. Second, the strategy of empowering the people's economy through productive zakat in LAZISNU East Java, namely by using a fundraising program. The first fundraising is driven by a fixed donor coin box, and the second is digital fundraising in collaboration with kitabisa.com.

STRATEGI PENGEMBANGAN EKONOMI UNGGULAN DI DISTRIK TIOM KABUPATEN LANNY JAYA

This study aims to identify the leading economy in Tiom District, Lanny Jaya Regency, choosing a priority strategy to develop the superior product center. This research was conducted with descriptive qualitative research methods, and determined the priority of leading economic development strategies with the SWOT analysis method. Qualitative methods are used to identify internal and external factors that influence the development of leading IKM centers. The results of the study indicate that there are a number of problems that have made the Tiom district unable to develop into a regional superior economic area, such as the absence of regulations regarding the spatial use system for regional superior economic development, then the quality of local population human resources is still minimal to be able to become a driving force in regional economic development. Therefore, the strategy that needs to be developed is to arrange strategic locations so that the development of the agricultural, trade, business and service sectors. Then maximize support from the government and the private sector in terms of developing the people's economy as well as for regional development. Then there needs to be special attention for local human resources to get technical guidance, training, socialization, and assistance to become the front line in driving the regional economy.

Implementasi Program RT-BERSIH (Rapi, Tertib, Bersih, Sehat, Indah, dan Harmonis)

Rukun tetangga has a strategic role in the implementation of communal-based development to build and empower RT as a small system so that it becomes better and will have a good impact on a better system in villages and sub-districts. This study aims to examine and analyze the implementation of the RT-BERSIH (Neat, Orderly, Clean, Healthy, Beautiful, and Harmonious) program initiated by the local government in Malinau Regency as an innovative regional program. A qualitative approach is carried out so that researchers can observe in detail and in depth through a direct approach to the object being observed. In collecting data several techniques have been carried out including interviews, observations, and data studies for reports and documents related to research. Based on the research results, the implementation of the Clean RT program in Pelita Kanaan Village provides good benefits for the four priority development targets, namely as follows: For the people's economy, the Clean RT program can create and improve household and RT scale business activities with assistance in the form of business equipment, livestock assistance, and entrepreneurship training in the field of human resources, this program can increase capacity and quality of life through tutoring and school activities. The implementation of the program is still constrained by the lack of human resources, especially among the management and supporting agencies. To reduce these barriers, village governments and local institutions provide ongoing training and assistance to administrators.

Islamic Philanthropy Institutions and Economic Empowerment of the People

This study aims to analyze how philanthropic institutions carry out various programs to empower the people's economy. This research was conducted at an Islamic philanthropic institution in the city of Bandung, namely LAZ (Lembaga Amil Zakat) Rumah Zakat. This research uses a qualitative approach with a case study method. Data collection techniques were carried out by depth interviews. The interview data obtained were validated using data triangulation so that data analysis could be carried out properly. The parties interviewed were one person who received benefits from the Rumah Zakat program, one employee of Rumah Zakat and one leader at Rumah Zakat. Keywords : Islamic Philanthropy, Amil Zakat Institute, Economic Empowerment DOI: 10.7176/RJFA/13-18-01 Publication date: September 30 th 2022