Small Entrepreneurs Research Articles

Sosialisasi Rempah Bahan Bumbu Rendang yang Terstandarisasi untuk Pemenuhan Kebutuhan di Sentra Rendang Kota Padang

Spices or seasonings are something that determines the taste of Rendang. Standardization of spices as seasoning ingredients is needed to get Rendang with standardized quality and taste. Rendang entrepreneurs who are members of UMKM (Small Entrepreneurs) need knowledge about spices and seasonings. The Cooperative in Padang City accommodates the rendang entrepreneur group. Community service activities have been carried out to increase the knowledge of Rendang entrepreneurs. The activity aims to socialize the importance of standardized spices and seasonings. Socialization has been carried out as a community service activity with the community development approach method. A presentation of the material by the speaker and a discussion was held with the participants. The speakers are food experts, plant cultivation, and rendang entrepreneurs whose businesses have developed. The socialization was held at the Truntum Padang Hotel. The results are that making a standardized rendang product requires quality spices and seasoning ingredients. The speaker's presentation informs Rendang entrepreneurs about quality ingredients for Rendang production. The essential ingredients of spices and suitable processing methods will produce quality seasoning products.

EKSEKUSI PERJANJIAN KREDIT DENGAN JAMINAN FIDUSIA DI ERA PANDEMI (TELAAH KAJIAN MASLAHAH MURSALAH)

The government has a program for small entrepreneurs in terms of activating the provision of credit to weak economic groups for the welfare of people's lives. Credit granting programs with a Fiduciary system can help credit recipients and credit providers. If the guarantee right can be executed quickly with a simple, efficient process and contains legal certainty, this is one of the parameters of a material debt guarantee. This research method uses the Juridical Empirical method, which is an approach taken to analyze the effectiveness of a regulation/legislation or existing law. In this case the approach is used to analyze qualitatively the implementation of fiduciary guarantees in Indonesia. This study uses primary data, namely data obtained directly from the field through an interview process and secondary data, namely examining various legal materials through library research. The analysis used in this research is qualitative analysis which draws conclusions using deductive analysis. Fiduciary Guarantee Law Number 42 of 1999 regulates the execution of Fiduciary Guarantees in Indonesia where there are various variations of the execution, therefore the parties can choose which execution model they want. However, in practice how to carry out the execution of fiduciary guarantees when there are problem loans, many still do not know, especially the implementation in pawnshops, which in fact have just handled the fiduciary system installment credit program. Which model is used by creditors throughout Indonesia. It is hoped that by knowing the system, model or method of executing fiduciary guarantees in this study, people will know more about the ins and outs, their rights and the consequences when taking credit with fiduciary system installments to creditors.

Analysis Of Allocation Of Village Funds Through The Establishment Of Village Owned Enterprises (Bumdes) (Case Study On Bumdes Paya Tungel In Jagong Jeget District)

This study aims to analyze the allocation of village funds in supporting the development and empowerment of MSMEs through the establishment of BUMDes in Paya Tungel Village and identify the impact of allocating village funds through BUMDes on the development and empowerment of MSMEs in Paya Tungel Village. Paya Tungel Village, as a village in Central Aceh, has formed a Village-Owned Enterprise (BUMDes) in managing village funds with considerable potential for natural and human resources. BUMDes play an important role in improving the welfare of the local economy. By managing economic businesses based on local potential and resources, BUMDes create jobs, increase income, and reduce poverty rates in the village. By building a local-based economy, village communities become more economically independent. BUMDes can assist in developing local businesses, support farmers and small entrepreneurs, and take advantage of existing market opportunities to increase income and employment in the village. By focusing on local-based economic development, villages have a greater chance of achieving long-term economic sustainability. BUMDes can design programs that prioritize environmental protection and maintain a balance between economic growth and natural resource preservation.

Task-interdependencies between Generative AI and Workers

Our paper formalizes a production function to give microeconomic foundations for the adoption of Generative AI (GAI) within workplaces. The production function accounts for task-interdependencies, the worker-GAI interaction and indistinguishability between human-created and AI-generated outputs. We show that workers and GAI represent two distinct but interdependent sides of the production, that jointly generate a network externality in learning that drives productivity. We find that in open learning organizations favoring the worker-GAI interaction, GAI should be matched to workers based on their ability to detect errors. We analyze configurations where the worker-GAI interaction is limited, referred as closed learning organizations, including firms banning the use of GAI, technological superclusters and emergence of small entrepreneurs innovating with GAI.

Occupational Change among Weavers : A Sociological Study District Ludhiana (Punjab)

Abstract The present study tries to understand weavers` changing occupational and socio-economic conditions. in this research study, I examined the occupational dynamics of Punjabi weavers in depth. The primary goal of this research is to shed light on the shift in weavers ‘traditional occupation of hand weaving khadi. Looking back, the profession of weavers was very well supported. Everyone from the smallest to the largest jagirdar used to buy their clothes from the weavers, and in exchange for their labour, they were given grains or other household necessities. People, in addition to weaving cloth for the people. The weavers passed down their craft from generation to generation. The primary goal of my research is to examine the transformation of the weaving profession. to learn about and understand the reasons for the change in the profession of weavers. It also attempts to observe social change among them through occupation diversification and the use of modern technology in traditional occupations to help them develop as small entrepreneurs. This study also examined how far development programmes and better economic opportunities provided by other occupations have increased. With these considerations in mind, the following paper is presented.

Digital Marketing Literacy as A Mediation of Online Business Readiness Influenced by Entrepreneurship Education (Study on Business Operators in Malang Raya)

The current post-pandemic situation of COVID-19 presents challenges for business actors as well as challenges for the state to maintain the existence of the economy. There are many sectors of the domestic and global economy that are affected. The impact of the pandemic has been most felt in the micro, small and medium enterprise (MSMEs) sector. This is what makes the condition of MSMEs and micro and small entrepreneurs, especially in Malang Raya, paralyzed and decreased. If the country wants its economy to progress, it is important to increase businesspeople. Currently, one of the most popular forms of business in Indonesia is making purchases online. This research has implications for the development of the Unified Theory of Acceptance and Use of Technology (UTAUT) theory, a technology acceptance model that was developed based on the amalgamation of other existing technology acceptance models. As described above, this research has a novelty by completing the gaps of previous studies, conducting a comprehensive study of the online business readiness of MSMEs in Malang Raya with digital marketing literacy as a mediating variable. This research uses quantitative methods. The research population of business actors in Malang Raya with a sample of 260. Data analysis used SEM PLS. Based on the research results, it is stated that entrepreneurship education can increase the online business readiness of MSMEs in Malang Raya. Entrepreneurship education can increase digital marketing literacy of MSMEs in Malang Raya. Digital marketing literacy can improve online business readiness for MSME actors in Malang Raya. Entrepreneurship education can improve online business readiness through digital marketing literacy for MSMEs in Malang Raya. Online business readiness can be increased with good quality entrepreneurship education supported by good digital marketing literacy.

Uji mikrobiologi dan uji etanol pada minuman sari buah mengkudu di UD X

The noni juice drink is a processed product of UD X located in Lumajang. Many noni producers are found in Lumajang and are dominated by small entrepreneurs. During the production process of noni juice, the aspects of sanitation, hygiene, and ethanol content were not paid attention to. The aims of this study were: to perform microbiological tests related to the presence of Coliform and Salmonella sp bacteria, and to test the ethanol content of noni juice drinks according to SNI. The research design used a completely randomized design and was analyzed using ANOVA. Microbiological test using the MPN (Most Probable Number) method, and the ethanol test method, namely gas chromatography. The results of the study showed that the microbiological test based on BPOM No. 16 of 2016 showed that the E-Coli, Salmonella and staphylococcus test was worth 0, meaning that there were no microbes and bacteria in the drink. Based on the results of the BNT test (P5 %), showed that the treatments were significantly different. That is, the fermentation time dramatically affects the presence of E-Coli and Salmonella in noni juice drinks. Furthermore, according to PerKa No. 14 of 2016, concerning alcoholic beverages. The ethanol content of noni drink is 0.5% - 5%. However, the results of the BNT test (P5 %) showed no significant effect between fermentation time on the ethanol content produced in noni juice drink

Prospects for the formation of investment support for the technological growth of the agricultural sector of the Ukrainian economy in the post-war period

During the war and after its end, Ukraine needs to restore its economy, in particular the agri-food sector, which is one of the key sectors of the national economy. Investment support for the technological growth of the agro-food sector can be of decisive importance for this, because it allows to achieve high productivity, competitiveness and sustainable development of this industry, which in turn will contribute to ensuring the food security of the country, raising the standard of living of the population and reducing the outflow of labor force abroad. The purpose of the article was to analyze and determine promising ways of attracting investments to support the technological development of the agro-food sector in post-war Ukraine. Using the analysis of literary sources and statistical data, the state of the agricultural sector of Ukraine in the pre-war and post-war periods is considered and analyzed. The structure and investment attractiveness of Ukrainian enterprises are investigated. The state of business subjects in the field of agriculture was analyzed and with the help of expert assessments, it was established that small entrepreneurship is the driving force of the development of the economy and economic relations, although it is risky for investment. Using statistical analysis, the structure of foreign investment is investigated and it is established that the main problem of attracting foreign investment is outdated equipment and technologies, so it is necessary to integrate innovations into agriculture. So, after analyzing the strengths and weaknesses, opportunities and threats, it was established that appropriate financing can help implement modern resource-saving technologies in agro-food production, promote the implementation of innovative approaches, namely the introduction of modern methods of soil treatment, the use of rational water use, the introduction of automation and mechanization of production processes, the use of drones and modern monitoring systems, as well as the introduction of modern methods of storage, processing and sales of products, which will ensure increased production efficiency, reduced environmental consequences and increased competitiveness of Ukrainian agricultural enterprises on the international market. The practical value of the research lies in the ability to provide recommendations on creating a favorable investment climate, improving legislation, ensuring the protection of investors' rights, as well as infrastructure development and support for research projects in the field of agro-food production

Rancang Bangun Sistem Point Of Sale Berbasis Mobile untuk Meningkatkan Produktivitas Usaha

The point of sale (POS) system is not something foreign to prominent entrepreneurs, this system has long been used by large-scale business actors, but generally, a system like this has complex features and its operation requires special personnel, therefore in the all-digital era Currently, there are still many small entrepreneurs using traditional processes in managing their businesses due to limited access to technology and costs, this will undoubtedly take time and reduce business productivity compared to using modern management systems. Then we need a POS that is easier to access and does not require large costs by small or medium-scale businesses, because it will be the right solution for business management with a lot of manual work automated by the system, such as profit and loss calculations, information on the availability of goods, information on quantities goods, and transaction processes using a scan code where the total payment and change will be calculated automatically by the system, of course with the presence of this point of sale system it will make it easier for small and medium business actors because the system is available in the form of mobile application which can be accessed easily by many business groups.

Challenges of the development and regulation of the state agroinsurance program in Georgia

There are many risks that are really damaging the country's economy and its important constituent sector, agriculture. Existing risks cause serious damage to the agro sector as a whole and to the entities engaged in agribusiness. It is clear that it is premature to talk about the global insurance protection of the country's agro sector, however, in the last few years, serious steps have been taken in the direction of agriculture protection in Georgia, and several important projects are being implemented. It is worth noting the state program of agroinsurance, the main purpose of which is to promote agricultural activities and to compensate the persons involved in this activity for the losses caused by the insurance cases caused by the risks in the agro sector. The main goal of the paper is to study and analyze the challenges in the agro sector of Georgia and the ways to overcome them, the relevance of the state-supported agroinsurance program and its impact on the country's agrarian sector. The modern state of agriculture, the risks facing it and the possibilities of the agroinsurance project are discussed. As a result of the analysis, some disharmony, inconsistency and problems have been revealed. Although this is an important project, through which farmers are given a unique opportunity to insure the risks they face at an affordable price and avoid financial losses, the problem is that some farmers and small entrepreneurs engaged in agriculture do not try to get involved in the insurance program. Out of approximately 500 thousand farmers in Georgia, more than 150,000 insurance policies have been issued under the state agricultural insurance program in 2014-2022, which is a very low rate and their volume in the risk portfolio of insurance companies is small and unbalanced. Agro insurance program has not yet proved to be profitable for the insurance business either. The existing problems are caused by the low purchasing power of the population, low insurance culture, certain mistrust towards insurance companies and the lack of desirable insurance risks to be insured in the agroinsurance risk portfolio.

PENGETAHUAN PARA PENIAGA KECIL TERHADAP PERMOHONAN PENSIJILAN HALAL DI NEGARA BRUNEI DARUSSALAM: SATU TINJAUAN Small Entrepreneurs’ Knowledge of Halal Certification Applications in Brunei Darussalam: A Review

Business conducted based on Islamic law will certainly provide many elements of benefits to fellow human beings. In order to improve the country's economy and also as a platform to develop local products, entrepreneurs are advised to generate their income through products produced to meet the needs of life. This study aims to identify the knowledge and awareness of entrepreneurs in Brunei Darussalam regarding the application of halal certificates/permits as well as the factors that cause entrepreneurs not to apply for halal certificates/permits. Quantitative methods using questionnaires are targeted at 100 small entrepreneurs engaged in online (online) and non-online (delivery) businesses. The findings of the study show that although the majority of small entrepreneurs know about the application for certificates/permits, there is also the majority of entrepreneurs who have not applied for several factors. Meanwhile, for entrepreneurs who have applied, there are several rationales that cause them to apply, which are to ensure the continuity of business and to carry out their responsibilities as Muslim entrepreneurs. This study suggests that the Bahagian Kawalan Makanan Halal (BKMH) can work with related agencies in monitoring and create a new law to enforce the Halal Certificate and Halal Label Order, to safeguard the interests of Muslim consumers.

Profitability analysis of mobile payment companies in Ghana: A comparative study in the pre-pandemic period

The application of emerging payment methods such as mobile payment (m-payment) was not common in Ghana until recently when these emerged through major service providers who have penetrated Ghanaian markets. These major providers have created many opportunities and innovations for small entrepreneurs in Ghana who are now discovering business opportunities in m-payments. This study uses secondary data from the global consolidated financial statements to compare the profitability, investor confidence, and efficiency of operation of the four m-payment providers operating in Ghana. The one–sample T-Test, One-way ANOVA, reliability test, parametric and nonparametric correlations tests were performed on the financial data. The study revealed that MTN (a mobile payment company in Africa) portrays better profitability than the other three competitors do within the 10 years of measurement. Cronbach's Alpha indicates positive internal reliability. The study recommends that the management of Vodaphone, Airtel and Tigo must engage in stakeholder consultations to unearth the reasons behind low profitability and performance. Keywords: Financial inclusion, mobile payment, pre-pandemic period, profitability;

The tax policy of Ukraine within the framework of European integration processes

During the decades of integration of the domestic tax policy within the framework of integration processes, it was possible to achieve many positive results, however, the long struggle in the field of detinization of the economy, the reform of pension and insurance, land legislation, the conflict of interests in creating a favorable investment climate and protecting the interests of domestic enterprises every time indicates new vectors of further development tax policy of the state. The purpose of the paper is the analysis of the current tax policy of Ukraine within the framework of European integration processes, taking into account the influence of the state of war on the tax policy of Ukraine. The results. The tax policy of Ukraine within the framework of European integration processes is aimed at harmonizing the tax systems of EU member countries, which requires the development of mechanism for coordinating their changes, maintaining a balance of protecting national interests and implementing European taxation practices. An important aspect in this is bringing the level of taxation closer to EU requirements, in particular the expansion of the domestic property taxation base and the transformation of the indirect taxation system of Ukraine. Revision of the system and mechanism of tax benefits requires special attention, in particular, prevention of their illegal receipt and control of the effectiveness of implementation for the purpose of the domestic economy. The influence of martial law on tax policy led to a quick response to the introduction of a number of important regulatory innovations designed to reduce the fiscal burden on business and stimulate the development of small entrepreneurship. Prospects. Given the significance of the implementation of the Association Agreement with the UE, the creation of the stable regulatory and legal field is an urgent direction for the further development of Ukraine’s tax policy within the framework of European integration processes.

Essentiality of Capacity Building in the Cottage Industry of Pakistan: A Synopsis of Challenges and Solutions

Capacity building is critical to the success and sustainability of cottage industries. It helps to improve the skills and knowledge of workers, increase productivity and efficiency, strengthens business practices, develop an entrepreneurial mind-set, and create a supportive business environment. Therefore, the aim of current study is to explore the relationship between capital access and cottage industry growth, to analyse the relation and importance of education and awareness with cottage industry growth and to explore the relation between technology and growth of cottage industry in Pakistan. The sample size of this quantitative study is 280 including Pakistani small entrepreneurs in Punjab. This study applied Anova test for data analysis by using SPSS. The framework shows that three factor can improve or reduce the growth of cottage industry such as education, technology, and capital access. The results of this study are in accordance with other similar studies which show that the model is feasible and the relationship exists positively and strongly between the variables selected. The government must also focus on opening more educational and training institution to improve the skills of people regarding opening cottage industries. This way, the small businesses industry will be able to absorb the problems and the lack of capital shocks. Cottage industry entrepreneurs should be given access to international markets and provisions should be made to link them with distributers and sellers.

Entrepreneurship Marketing Development Model To Improve SMEs Economic Performance In Semarang

The empowerment of SMEs (micro small and enterprises) in the midst of globalization and high competition with ASEAN Economic Community (MEA) is expected to be an opportunity to exploit ASEAN regional policy in order to develop market as market player as its market. SMEs (micro small and enterprises) should be able to face various challenges, such as increasing product and service innovation, human resource and technology development, and expanding marketing. Marketing is a fundamental issue for small entrepreneurs. An important aspect of marketer is examined in the context of entrepreneurial efforts to see how marketing theory fits into the practice of entrepreneurship. But in the globalization era with the development of information technology is the essence, it is necessary development of entrepreneurship marketing that is able to reach all consumer in the world, that is through internet marketing or e-commerce. This research seeks to get a model of entrepreneurship marketing development in an effort to improve the performance of MSMEs (micro small and medium enterprises) in Semarang City. The hypothesis is tested using SEM analysis by estimating PLS parameters to assess the outer model and measurement model as well as assess the inner model. Based on the result, development of effective e-commerce has a positive influence on SMEs performance. But, entrepreneur marketing was rejected even though it has a positive influence on E-Commerce Development. This is because of the lack of understanding of the concepts, strategies, methods and market intelligence of the SMEs in Semarang.

Business Continuity Plan of the Micro and Small Enterprises in Cotabato City during the COVID-19 Pandemic and Its Effect to Business Performance

The Micro, Small and Medium Enterprises (MSMEs) are the key players of the development and growth of the Philippine economy that created to country’s employment (Ronquillo, 2021). However, the COVID-19 pandemic brought disruptions to the MSMEs as they were challenged with the declaration of the nationwide lockdown. Further, they were forced to confront with the challenges of business continuity and survival. The Business Continuity Plan serves as a guide to ensure continuity of the business during and post a crisis. This study determined the level of the business continuity planning of the Micro and Small enterprises in Cotabato City during the COVID-19 pandemic; its level of business performance during the year 2020 and 2021; and the relationship between the business continuity planning and business performance in year 2020 and 2021. Moreover, descriptive-correlational research design was utilized in this study and a total of 100 micro and small entrepreneurs were the respondents. The results revealed that Creation of a crisis management team was implemented all of the time; the following activities were moderately implemented: development of plans to prevent the impact of pandemic; and reduction or changes in production outputs. In year 2020, there was a decreased in sales while in year 2021 there was an increase in sales. In addition, there was no significant relationship between the business continuity plan and business performance in year 2020 and 2021.

MEANS OF STIMULATING THE DEVELOPMENT OF SMALL BUSINESS AS A FACTOR OF OVERCOMING THE DEPRESSION OF REMOTE SETTLEMENTS OF TERRITORIAL COMMUNITIES

The study revealed the relevance of the issues of policy formation of balanced spatial development of territorial communities, in particular in terms of overcoming the depression of remote settlements with the use of such a tool as small business development, stimulating the growth of business activity of the population, employment and self-employment. The purpose of the study is to identify promising and effective means of stimulating the development of small entrepreneurship in the projection of overcoming depression in remote settlements of territorial communities. An effective factor in overcoming the depression of remote areas and at the same time ensuring the leveling of disparities in local economic development is the activation of small businesses in these areas. The policy of local authorities in this direction should be implemented in the following directions: improving access to financial and investment resources, attracting intellectual and human resources, strengthening the material and technical support of small enterprises, improving the integration of small enterprises into the local economic system, developing business skills, consulting and informational support. According to these vectors, it is expedient to plan and implement the relevant instruments of local economic policy. It is important that they relate to the formation of specialized financial and credit programs; creation of financial and credit support funds; attraction of migrant workers’ funds; budget and grant support; attraction of financial resources of international technical assistance, stimulation of business entities for personnel training; use of the state order for teaching activities and training of personnel in the countryside, creation and development of local integrated systems, clusters with the participation of large and small enterprises, creation and development of local integrated systems, clusters with the participation of large and small enterprises; support for franchising programs of manufacturers for the development of the production complex of rural areas, creation of business incubators and business support centers; providing certificates to small business entities for consulting and other business services; development of business infrastructure in remote areas.

DIRECTIONS FOR IMPROVING THE INSTITUTIONAL SUPPORT OF THE STATE POLICY FOR THE DEVELOPMENT OF SMALL BUSINESS IN RURAL AREAS

The relevance of the problem of formation and implementation of the state policy for the development of small entrepreneurship in rural areas of Ukraine is revealed, in particular in the aspect of improving the institutional support of state policy in this area. The purpose of the study is to substantiate the ways and means of improving the institutional support of the state policy of promoting the development of small entrepreneurship in rural areas. The directions (1 – macro-level, 2 – regional-level) that should be followed to form and implement the policy of small business development in the rural areas of Ukraine have been determined. It is shown that strategic goals in this area should be formed in the context of the economic independence of its subjects, ensuring the appropriate level of economic security and expanded reproduction of the economic and resource potential of enterprises. It was determined that the leading place in the system of state policy measures in the field of small business development in rural areas is assigned to the institutional support of state policy. It is about institutional-legal and institutional-organizational policy. It was established that in the institutional and organizational plan, the measures that should be implemented are: strengthening the programmatic and normative regulation of the development of small entrepreneurship and helping to increase the level of motivation of local self-government bodies regarding the implementation of measures and achieving success in this area. Accordingly, at the regional and local level, it is necessary to: activate the management functions of the authorities in the direction of the formation of a favorable business climate and a safe business environment; improve regulatory policy, eliminate manifestations of monopoly, “client” relations and corruption in “government-business” relations; to strengthen the level of financial support of small private business entities.

Improving Social Performance through Innovative Small Green Businesses: Knowledge Sharing and Green Entrepreneurial Intention as Antecedents

Small businesses are thought to be largely responsible for environmental pollution despite the fact that businesses of all shapes and sizes contribute to this issue. This research explores how important factors such as knowledge sharing (KS) and green entrepreneurial intention (GEI) might help small businesses in Saudi Arabia develop and implement green innovation (GI). It also seeks to determine whether GI is a mediating variable that explains the connection between GEI, KS, and social performance (SP). Accordingly, an online survey was used to collect responses from 284 small entrepreneurs in Saudi Arabia engaged in various types of business activities. The study used partial least squares structural equation modelling for data analysis and hypothesis testing. The results show that GI considerably influences SP while also having a significant link with both GEI and KS. Further, the study reveals that the relationship between GEI, KS, and SP is mediated by GI. The study offers a plethora of suggestions to various stakeholders generally and to Saudi authorities specifically.

Analysis of Business Development Strategies for know Small Business in Kediri

This research is motivated by the fact that internal and external factors in a business are important components in the development of small businesses in rural areas. The main objective of this study was to determine the internal factors that became strengths and weaknesses and external factors that became opportunities and threats in small businesses in rural areas. After knowing the strengths, weaknesses, opportunities and threats, you can analyze business development strategies for small businesses in rural areas. This study used small tofu entrepreneurs in Tinalan Village, Pesantren District, Kediri Regency, as the sample using Simple Random Sampling on all tofu small entrepreneurs as the population with a determination of 30 respondents. This data is analyzed using the Internal External (IE) Matrix and Market Share Growth Matrix. Based on the results of the research, it shows the following conditions: (1) That the business development that needs to be done to determine the strategy for the small business is an Intensive Strategy that focuses on increasing the competitive position through existing products. (2) Whereas the test results of market share growth analysis show a value above the benchmark, which is 10%. Thus the results of this study can be used as a policy basis in knowing internal and external environmental aspects so that they can analyze development strategies for small businesses in rural areas.