Pendampingan Manajemen Keuangan Melalui Program Literasi Keuangan Kepada Komunitas Usaha Mikro Kecil dan Menengah (UMKM) yang Terjerat Rentenir di Kabupaten Nganjuk
Main Article Content
The development of UMKM in the process does not always go smoothly, sometimes the business also has obstacles, including being entangled by moneylenders. Therefore, the Assistant Team of Al ‘Ula Islamic Financial Institution of STAI Miftahul Ula Nglawak partnered with the NU LKK Nganjuk and Cooperative-UMKM Office of Nganjuk provides capital assistance without interest for MSME community through literacy programs. By using the Asset-Based Community Development (ABCD) method, this study aims to provide financial management assistance for UMKM Community who were entangeled by moneylenders. The results of the study indicate social change as follows: (1) awareness increases the productivity and work ethic; (2) the emergence of financial management skills through financial literacy; (3) financial literacy, which is the emergence of financial inclusion, financial passport, and financial access issues; (4) the emergence of efforts optimization to empower financial management capabilities; (5) able to make strategic planning to improve the level of the business community; (6) the emergence of new assistants; (7) there is a partnership between the assistant team and stakeholders.
Adomako, Samuel, Albert Danso, and John Ofori Damoah. “The Moderating Influence of Financial Literacy on the Relationship between Access to Finance and Firm Growth in Ghana.” Venture Capital 18, no. 1 (2016): 43–61.
Aribawa, Dwitya. “Pengaruh Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan UMKM Di Jawa Tengah.” Jurnal Fakultas Hukum UII 20, no. 1 (2016): 1–13.
Beck, Thorsten, ASLI Demirgüç‐Kunt, and Vojislav Maksimovic. “Financial and Legal Constraints to Growth: Does Firm Size Matter?” The Journal of Finance 60, no. 1 (2005): 137–177.
Binks, Martin R, and Christine T Ennew. “Growing Firms and the Credit Constraint.” Small Business Economics 8, no. 1 (1996): 17–25.
Braunstein, Sandra, and Carolyn Welch. “Financial Literacy: An Overview of Practice, Research, and Policy.” Fed. Res. Bull. 88 (2002): 445.
Bygrave, William D, and Andrew Zacharakis. The Portable MBA in Entrepreneurship. New York: John Wiley & Sons, 2004.
Carree, Martin, and Luuk Klomp. “Small Business and Job Creation: A Comment.” Small Business Economics 8, no. 4 (1996): 317–322.
Dahmen, Pearl, and Eileen Rodríguez. “Financial Literacy and the Success of Small Businesses: An Observation from a Small Business Development Center.” Numeracy 7, no. 1 (2014): 3.
Dimyati, Khudzaifah. “Profil Praktek Pelepas Uang (Rentenir) Dalam Masyarakat Transisi Studi Kasus Di Kartasura Kabupaten Sukaharjo.” Semarang: Program Pascasarjana Universitas Diponegoro, 1997.
Drexler, Alejandro, Greg Fischer, and Antoinette Schoar. “Keeping It Simple: Financial Literacy and Rules of Thumb.” American Economic Journal: Applied Economics 6, no. 2 (2014): 1–31.
Eresia-Eke, Chukuakadibia E, and CATHERINE Raath. “SMME Owners’ Financial Literacy and Business Growth.” Mediterranean Journal of Social Sciences 4, no. 13 (2013): 397.
Fatoki, Olawale. “The Financial Literacy of Micro Entrepreneurs in South Africa.” Journal of Social Sciences 40, no. 2 (2014): 151–158.
Grande, Jorunn, Einar Lier Madsen, and Odd Jarl Borch. “The Relationship between Resources, Entrepreneurial Orientation and Performance in Farm-Based Ventures.” Entrepreneurship and Regional Development 23, no. 3–4 (2011): 89–111.
Kementerian Perdagangan RI. Analisis Peran Lembaga Pembiayaan Dalam Pengembangan UMKM. Jakarta, 2013.
Munir, Misbachul, Dwi Astutiek, and Siti Nurul Jaunah. “Pandangan Islam Tentang Pengaruh Motivasi Tentang Diklat Terhadap Kinerja Karyawan PT. Matahari Departement Store Royal Plaza.” Jurnal Kajian Hukum Islam 5, no. 2 (2018): 90–102. http://www.unsuri.id/ejournal-pps/index.php/jkhi/article/view/62 .
Nugroho, Mahendro. “Usaha Masyarakat Marjinal Perkotaan: Dampak Bunga Uang Dan Alternatif Pembiayaan Berbasis Islam.” In Seminar Nasional. Dampak Bunga Uang Terhadap Perekonomian Indonesia. Jakarta, 2002.
Richardson, Pat, Rhona Howarth, and Gerry Finnegan. The Challenges of Growing Small Businesses: Insights from Women Entrepreneurs in Africa. International Labour Office Geneva, 2004.
Storey, David J. Understanding the Small Business Sector. Routledge, 2016.
T. T.H. Tambunan, and Musnidar. “Development Strategy and Overview of SMEs.” In APO, Entrepreneurship Development for Competitive Smal and Medium Enterprises. Tokyo: The Asian Productivity Organisation, 2007.
Tambunan, Tulus. Development of Small and Medium Enterprises in Indonesia from the Asia-Pacific Perspective. LPFE-University of Trisakti, 2006.