Development of Financial Statement Applications for SMEs based on Financial Accounting Standards for Micro, Small and Medium Enterprises

Iswoyo, Andi; Nugroho, Alfi; Ermawati, Yuli; Budisusetyo, Sasongko

doi:10.2991/teams-19.2019.28

Cited by 4 publications

(4 citation statements)

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“…Until now, as many as 70 percent of micro entrepreneurs in Indonesia have not been able to access commercial credit. [25] As a result, they become victims of moneylenders or other informal financial institutions. Since 2017 the Indonesia government has provided an alternative through Ultra Micro financing (UMi) which is channeled through cooperatives or micro institutions with an interest rate of 2%-4%.…”

Section: Profit Oriented Microcreditmentioning

confidence: 99%

BankZiska: A New Hope for the Unbanked and Poor in Indonesia

Kusuma,

Fauji,

Futaqi

et al. 2023

Advances in Social Science, Education and Humanities Research

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This qualitative research, using content analysis and phenomenology, investigates the efforts to eradicate riba, or usury, in Indonesia. The study focuses on BankZiska, an institution in Ponorogo City that provides financial assistance based on zakat, infaq, and religious social fund to create a usury-free society. The aim of this study is to examine the effectiveness of BankZiska's model in freeing people from moneylenders, specifically in providing financial assistance to poor and unbanked people while avoiding riba. The results indicate that BankZiska has been successful in providing financing to 1,049 partners or customers, and 30 percent of them have been freed from moneylenders. The implication of this study is that BankZiska's model could be an alternative solution for poverty alleviation while fighting against riba.

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Section: Profit Oriented Microcreditmentioning

confidence: 99%

BankZiska: A New Hope for the Unbanked and Poor in Indonesia

Kusuma,

Fauji,

Futaqi

et al. 2023

Advances in Social Science, Education and Humanities Research

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“…MSMEs have an essential role in the economy of Indonesia. MSMEs have 99.99% of the total business actors in Indonesia or 56.54 million units (Iswoyo et al, 2019;. Kemenkoekuin, 2021).…”

Section: Digital Platform and Msmesmentioning

confidence: 99%

Neue-Gemeinschaft: Digital Transformation of Micro, Small and Medium Enterprises among Rural Community in Banyuwangi, East Java

et al. 2022

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This study aims to analyze the digital transformation of changing rural economy towards a digital society. Qualitative research methods were used, including 50 participants and in-depth interview informants, with participatory observation, policy analysis, and three series of focus group discussions both in person and online. The study found that internet intervention significantly impacts collective behaviour and improves MSMEs development. Referring to the continuum theory of Gemeinschaft-Gesellschaft, the study showed that these changes result in the formation of a ‘Neue Gemeinschaft’. Rural MSMEs are entering a new era due to the adoption of digital technology by businesses that support and exhibit characteristics such as the intensity of the use of internet networks, the ability to conduct digital transactions, and the preservation of village social values. Theoretically and empirically, the research indicates that digital transformation is driven by a change in collective behaviour around technology use, followed by inclusive rural digital economy.

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“…Mitra juga diberikan pemahaman tentang bagaimana mendapatkan pendanaan dari perbankan atau Lembaga keuangan lainnya, dimana hasil penelitianIswoyo et al, (2019) menunjukkan bahwa kemampuan UMKM menghasilkan laporan keuangan yang baik akan berpengaruh pada keputusan bank atau Lembaga keuangan lainnya dalam memberikan kredit kepada pengusaha kecil dan pengenalan penggunaan aplikasi akuntansi berbasis android "Si Kecil" yang dikembangkan oleh tim pelaksana (Iswoyo, Nugroho, et al, 2019).…”

Section: Pelatihan Keuangan Usaha Kecilunclassified

Produksi Berbasis Green Economy: Peningkatan Kapasitas Dan Manajemen Usaha Ekstrak Jahe Di Kabupaten Gresik

Fauzuddin¹,

Iswoyo²,

Nugroho³

et al. 2022

pkmcsr

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Mitra program ini adalah pengusaha eskstrak jahe di Desa Wates Kecamatan Balongpanggang Kabupaten Gresik. Tujuan program ini adalah meningkatkan kapasitas produksi dan meningkatkan keterampilan manajemen usaha mitra. Permasalahan mitra yaitu; peralatan produksi masih tradisional dan manual, proses dilakukan di lantai, produk berwarna lebih gelap dan rasa yang tidak seragam, proses pemasakan sering tumpah dan membahayakan tenaga kerja, kapasitas produksi masih rendah, tenaga kerja tidak menggunakan APD dan tidak standar; penjualan tidak stabil, kemasan menggunakan plastik tipis, belum memiliki pencatatan keuangan yang baik, dan belum memiliki label produk. Metode pelaksanaan kegiatan, yaitu; pengembangan TTG mesin ekstraksi dengan automasi, panel surya, pengadaan mesin parut, meja, pelatihan dan penampingan; operasi dan maintenance, manajemen usaha, keuangan, dan kemitraan. Hasil kegiatan ini, antara lain; tersedianya satu unit TTG mesin ekstraksi jahe dan mesin parut, pelatihan pengoperasian mesin dan maintenance ringan, pelatihan kesehatan pangan dan penggunaan APD, keuangan usaha, promosi produk dengan perbaikan kemasan, menjalin kemitraan dengan marketplace tokopedia dan shopee, produk mitra juga sudah tersedia di beberapa toko dan kantor pemerintahan di Gresik. Dampak kegiatan ini bagi mitra, antara lain adanya peningkatan omset penjualan sebesar 20%, peningkatan kapasitas produksi sebesar 35%, penambahan tenaga kerja sebanyak 1 orang; dan peningkatan pengetahuan manajemen usaha sebesar 50%.

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Development of Financial Statement Applications for SMEs based on Financial Accounting Standards for Micro, Small and Medium Enterprises

Cited by 4 publications

References 0 publications

BankZiska: A New Hope for the Unbanked and Poor in Indonesia

BankZiska: A New Hope for the Unbanked and Poor in Indonesia

Neue-Gemeinschaft: Digital Transformation of Micro, Small and Medium Enterprises among Rural Community in Banyuwangi, East Java

Produksi Berbasis Green Economy: Peningkatan Kapasitas Dan Manajemen Usaha Ekstrak Jahe Di Kabupaten Gresik

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