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POTENSI DAN KENDALA USAHA MIKRO KECIL DAN MENENGAH Aspiranti, Tasya
Jurnal Manajemen Bisnis Performa Volume V No.1 Tahun 2008
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v0i1.2378

Abstract

Jumlah populasi UMKM
State Sukuk Potential in Reducing Indonesia Budget Deficit, 2009-2015 Ima Amaliah; Tasya Aspiranti
Journal of Economics, Business, & Accountancy Ventura Vol 20, No 1 (2017): April - July 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i1.781

Abstract

The purpose of this study is to identify potential retail state sukuk as part of state bonds that are used to replace foreign debt and lower the government's budget deficit. This study is important because the government's budget deficit continues to rise each year due to the increase of foreign debt. The increase in the debt itself is closely related to exchange rate fluctuations. Therefore, it is important for the government to develop a relatively secure funding in facing exchange rate fluctuations as well as parts of interest rate. The government has developed state securities based on sharia (SBSN) which can be used not only to close finance deficit but also to alternatively finance the infrastructure development. The population consists of budget deficit, retail state sukuk, corporate sukuk, and foreign debt. It uses purposive sampling to get the sample during 2009 -2015. This research uses descriptive quantitative method of secondary data published by Bank Indonesia, ministry Finance and Jakarta Islamic Index. The result shows that the proportion of retail state sukuk against sharia state securities increases over time (over 50%) but the proportion of corporate sukuk numbers is still relatively small (below 25%). 
MSME’s Acceleration Strategy Based on Sharia Bank Financial Performance in Indonesia Tasya Aspiranti; Ima Amaliah
MIMBAR (Jurnal Sosial dan Pembangunan) Volume 35, No. 2, Year 2019 [Accredited Sinta 2] No 10/E/KPT/2019]
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1028.608 KB) | DOI: 10.29313/mimbar.v35i2.4517

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Sharia (Islamic law-compliant) bank financing has a crucial role to accelerate MSMEs (UMKM), but the market share is still below 5%. The purpose of this study is to identify and analyze the effect of financial performance on Sharia bank financing for the MSMEs’ sector and Msme's acceleration strategy in Indonesia for the period of 2005-2017. The research method uses descriptive & verification analysis and SWOT analysis. This study also uses OLS method and SWOT matrix by secondary data published by the OJK. The results of the study show MSMEs’ financing in Sharia banks is significantly influenced by Capital Adequacy Ratio (CAR), Non-Performing Finance (NPF), Return on Assets (ROA), Return on Equity (ROE), and Operating Expense Ratio (OER) to Operating Income. Accelerating Sharia bank financing for MSMEs through risk minimization (return maximization) and cost efficiency is purposed to solve low efficiency (OER), high non-performing financing (NPF), adequacy capital fluctuation (CAR), and low return of assets and equity (ROA, ROE).
Analisis “Quality Function Deployment” pada Sentra Industri Kecil Sepatu Cibaduyut Tasya Aspiranti; Nurfahmiyati Nurfahmiyati; Yuhka Sundaya
MIMBAR (Jurnal Sosial dan Pembangunan) Volume 24, No. 1, Year 2008
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (451.001 KB) | DOI: 10.29313/mimbar.v24i1.249

Abstract

Cibaduyut represents a site for small scale industry  producing women shoes.  Several problems has arisen as the crises struck.  This paper addresses  the main  problem  of the industry  by employing  Quality Function Deployment as data analysis instrument.  12 small industries and 30 consumers were taken as samples by simple random sampling technique. The results showed a gap between product quality and consumer’s needs due to low technology, unskilled labor, and a scarce of qualified material as input of production.
Religiosity Performance of BMT Leaders and Its Implications to Sukuk Preference Ima Amaliah; Tasya Aspiranti; Westi Riani
MIMBAR (Jurnal Sosial dan Pembangunan) Volume 36, No. 2, Year 2020 [Accredited Sinta 2] No 10/E/KPT/2019]
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (455.582 KB) | DOI: 10.29313/mimbar.v36i2.6145

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BMT has a strategic role in the marketing of State Sukuk since this institution is a party that has capital constraints for the development of its business activities.This study aimed to analyze the performance of BMT leaders' religiosity value and their implications for the preferences of State Sukuk. This study uses a quantitative descriptive approach with field survey methods. 22 BMT leaders become the research sample with the institutions scattered in regencies and cities in West Java. The measurement of the performance variable of religiosity and preference uses a Likert scale 5. The results show that the religiosity performance of BMT leaders in West Java is categorized as good. However, a good understanding of religious values does not instantly boost BMT leaders' preference for State Sukuk. Inadequate information on the operationalization mechanism of State Sukuk is one of the reasons for the low preference of BMT leaders for state Sukuk
Determinants of Social Poverty in Mountainous Areas of Talegong, Garut Regency Tasya Aspiranti; Ima Amaliah
MIMBAR (Jurnal Sosial dan Pembangunan) Volume 34, No. 1, Year 2018 [Accredited Ranking Sinta 2]
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (51.417 KB) | DOI: 10.29313/mimbar.v34i1.2872

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Poverty is a multidimensional problem since it is not only an economic problem but also a social, political and even cultural problem. The purpose of this research is to identify the determinant factor of social poverty in the mountain region of Talegong Subdistrict. The research type is quantitative descriptive with field survey method. The analysis technique using descriptive statistics and the sample is determined by purposive random sampling. The concept of social poverty uses BPS and Chambers indicators. Respondents interviewed were village heads, LPMDes, community leaders and communities in seven villages in Talegong sub-district. Based on the results of observations and interviews with respondents, there are four determinants of social poverty in Talegong sub-district: the factor of poverty itself, abandonment, alienation & remoteness and vulnerable to natural disasters. While three other factors such as physical, mental and social neglect factors; social impairment factor  and behavioral deviation from religious and community norms, and factors of victims and physical, mental and social violence were not found in Talegong sub-district.
The Measurement of Community Independence and Participation in the Establishment of Microfinance Institutions Ima Amaliah; Tasya Aspiranti; Westi Riani
MIMBAR (Jurnal Sosial dan Pembangunan) Volume 34, No. 2, Year 2018 [Accredited Ranking Sinta 2]
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (713.841 KB) | DOI: 10.29313/mimbar.v34i2.3823

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The purpose of the study was to measure the indicators of the level of independence and community participation in the Talegong and Mekarmukti districts of Garut Regency in developing a Non Bank Micro-Finance Institution. This type of quantitative descriptive research with survey research methods is based on the kemadirian indicators of Hubeis and indicators of participation from Cohen and Uphoff. The population of this research is all village officials, Community Empowerment Institutions, leaders and community members in two districts. The number of research samples was 48 people consisting of 17 respondents in Talegong district and 31 respondents in Mekarmukti District. The analytical tool used is descriptive statistics by tabulating data, classification and scoring data for each indicator studied. The measurement of community independence in Talegong District is categorized sufficiently and the category is good for its level of independence. The measurement of independence and community participation in Mekarmukti District are categorized the same, namely good
Potensi dan kendala usaha mikro kecil dan menengah Tasya Aspiranti
Jurnal Manajemen Bisnis Performa Vol 5, No 1 (2008)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v0i1.6076

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Jumlah populasi UMKM pada tahun 2007 mencapai 99,9% dari jumlah unit usaha di Indonesia. Sementara itu, jumlah tenaga kerjanya mencapai 97,3% dari sleuruh tenaga kerja Indonesia. Di sisi lain, produktivitas per tenaga kerja UMKM masih sangat rendah yang terlihat dari kontribusinya terhadap Produk Domestik Bruto dibandingkan dengan jumlah tenaga kerja yang diserap. Indikator ini jelas menunjukkan adanya persoalan besar pada tenaga UMKM. Rendahnya kontribusi terhadap PDB menunjukkan bahwa output yang dihasilkan masih jauh lebih rendah dibandingkan dengan tenaga kerja yang diserap. Artinya, sumberdaya manusia UMKM masih belum produktif, demgan kata lain sumberdaya manusia UMKM masih memerlukan berbagai program pengembangan sehingga menjadi lebih berkualitas. Sumberdaya manusia UMKM yang kurang berkualitas, berimplikasi pada sejumlah persoalan manajemen. Persoalan manajemen yang terutama dihadapi adalah formalitas kelembagaan, kurangnya penguasaan teknologi produksi maupun teknologi informasi, sehingga menghambat fungsi pemasaran yaitu akses ke konsumen akhir yang lebih luas maupun berbagai lembaga formal, termasuk ke lembaga keuangan formal. Persoalan manajemen kelembagaan, teknologi, pemasaran dan akses terhadap lembaga keuangan formal merupakan persoalan klasik UMKM yang saling terkait, yang memerlukan penanganan serius, tetapi terintegrasi.Kata kunci: potensi, kendala, usaha mikro, kecil, menengah.
Peranan lembaga keuangan mikro dalam pembiayaan usaha mikro kecil dan menengah Tasya Aspiranti
Jurnal Manajemen Bisnis Performa Vol 5, No 2 (2008)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v5i2.6077

Abstract

Perkembagan Lembaga Keuangan Mikro (LKM) terjadi di Indonesia seiring dengan perkembagan UKM serta masih banyaknya hambatan UKM dalam mengakses sumber-sumber pembiayaan dari lembaga keuangan formal. Hambatan ini timbul karena Lembaga-lembaga keuangan formal pada umumnya memperlakukan UKM sama dengan Usaha Menengah Besar dalam setiap pengajuan pembiayaan yang antara lain sebagian besar pelaku UKM tidak mampu memenuhi persyaratan tersebut di samping kebutuhan mereka masih dalam skala kecil, yang dipandang oleh sebagian pelaku lembaga-lembaga keuangan formal memberatkan biaya operasional. Selain itu berkembangnya LKM juga tidak terlepas dari karakteristik LKM yang memberikan kemudahan kepada pelaku UKM dalam mengakses sumber-sumber pembiayaan. Meskipun biaya atas dana pinjaman dari LKM lebih tinggi sedikit dari tingkat bunga perbakan, LKM memberikan kelebihan perbankan bahkan dalam beberapa jenis LKM pinjaman didasarkan pada kepercayaan karena biasanya peminjam beserta aktivitasnya sudah dikenal oleh LKM, kemudahan yang lain adalah pencairan dan pengembalian pinjaman yang fleksibel yang uga sering disesuaikan dengan cash flow pinjaman.
Manajemen budaya organisasi Tasya Aspiranti
Jurnal Manajemen Bisnis Performa Vol 7, No 1 (2010)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v7i1.6078

Abstract

Organizational  culture  as  the  set  of  shared  values  and  norms  that  control  orga nizational   members'   interactions   with   each   other   and   with   people   outside organization. An organization's culture can be used to increase orga nizational effectiveness. This is because organizational culture controls the way members make decisions, the way interpret and manage the organizatio n's environment. In adaptif organi  zation,  organizational  culture  change  absolutely  must  be  taken  to  raise effective culture that can support organizational goals. This paper explains the importance of people in organization as organizational culture shaper, any kind theory of organizational culture, organizational culture  management and how to manage culture in organization. Some real organizational culture cases are presented in this paper and organizational culture management paradigm as conclusion is presented in the end of paper.Key words : organizational culture management