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Analisis Keberlanjutan dan Pola Pengembangan Co-Operative Entrepreneurship Lembaga Keuangan Mikro Agribisnis (LKM-A) Utami, Ratih Apri
Jurnal Ilmu Sosial dan Ilmu Politik Vol 19, No 1 (2015)
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pada tahun 2008 pemerintah melaksanakan program Pengembangan Usaha Agribisnis Perdesaan(PUAP) yang disalurkan melalui Gapoktan sebesar 100 juta rupiah. Dana PUAP bertujuan sebagaistimulus agar dapat ditumbuhkan menjadi Lembaga Keuangan Mikro Agribisnis (LKM-A) untukkeberlanjutan pembiayaan untuk petani. Tujuan penelitian ini adalah untuk menganalisis prosespenumbuhan LKM-A dan keberlanjutan LKM-A berdasarkan pendekatan kelembagaan, fi nansialdan nasabah, serta mengembangkan pendekatan yang dibutuhkan LKM-A menuju Co-operativeEntrepreneurship. Hasil penelitian menunjukkan bahwa LKM-A Gapoktan Sejahtera sudahmemiliki keberlanjutan kelembagaan melalui manajemen organisasi dan skema pembiayaanselama satu musim tanam, keberlanjutan fi nansial didasarkan pada tingkat bunga/unit pinjamanlebih besar dari beban pembiayaan dan keberlanjutan nasabah melalui persepsi nasabah mengenaipenyaluran, pemanfaatan dan pengembalian dana PUAP (Pengembangan Usaha AgribisnisPerdesaan). Pola pengembangan LKM-A menuju Co-operative Entrepreneurship diawali melaluiproses penumbuhan LKM-A, analisis keberlanjutan berdasarkan pendekatan lembaga, fi nansial,
ANALISIS DETERMINAN TINGKAT PENGELUARAN KONSUMSI PANGAN DI JAWA TIMUR Ahmad Zainuddin; Ratih Apri Utami; Nurul Dwi Novikarumsari
Jurnal Sosial Ekonomi Pertanian (J-SEP) Vol 13 No 1 (2020)
Publisher : University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jsep.v13i1.17091

Abstract

East Java is a province that has a high population, household consumption expenditure is an important thing to consider. The implication is that there will be an increase in production and investment in East Java. Therefore, household consumption expenditure is one of the determinants of community welfare. This study aims to analyze the structure of household consumption expenditure and the factors that influence food expenditure in East Java. The data used were secondary data from East Java in Figures 2019. This study was analyzed using multiple linear regression analysis. The analysis showed that there has been an increase in the welfare of the people of East Java. This is indicated by an increase in the amount of non-food expenditure is higher than food expenditure. Factors affecting household food expenditure in East Java are GRDP per capita, inflation rate, rice prices, and non-food expenditure. Based on these results it is suggested that the government needs to maintain the stability of prices of goods and services to avoid inflation because inflation will reduce public consumption and have implications for the economy of East Java. Keywords: food expenditure, GDRP per capita, inflation
Analisis Keberlanjutan dan Pola Pengembangan Co-Operative Entrepreneurship Lembaga Keuangan Mikro Agribisnis (LKM-A) Ratih Apri Utami
Jurnal Ilmu Sosial dan Ilmu Politik Vol 19, No 1 (2015): JULI
Publisher : Faculty of Social and Political Sciences, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2158.437 KB) | DOI: 10.22146/jsp.10857

Abstract

Pada tahun 2008 pemerintah melaksanakan program Pengembangan Usaha Agribisnis Perdesaan(PUAP) yang disalurkan melalui Gapoktan sebesar 100 juta rupiah. Dana PUAP bertujuan sebagai stimulus agar dapat ditumbuhkan menjadi Lembaga Keuangan Mikro Agribisnis (LKM-A) untuk keberlanjutan pembiayaan untuk petani. Tujuan penelitian ini adalah untuk menganalisis proses penumbuhan LKM-A dan keberlanjutan LKM-A berdasarkan pendekatan kelembagaan, finansialdan nasabah, serta mengembangkan pendekatan yang dibutuhkan LKM-A menuju Co-operative Entrepreneurship. Hasil penelitian menunjukkan bahwa LKM-A Gapoktan Sejahtera sudah memiliki keberlanjutan kelembagaan melalui manajemen organisasi dan skema pembiayaan selama satu musim tanam, keberlanjutan finansial didasarkan pada tingkat bunga/unit pinjaman lebih besar dari beban pembiayaan dan keberlanjutan nasabah melalui persepsi nasabah mengenai penyaluran, pemanfaatan dan pengembalian dana PUAP (Pengembangan Usaha Agribisnis Perdesaan). Pola pengembangan LKM-A menuju Co-operative Entrepreneurship diawali melalui proses penumbuhan LKM-A, analisis keberlanjutan berdasarkan pendekatan lembaga, finansial, nasabah untuk kemudian dikembangkan pola materi kurikulum kelompok kepada pelaku sentral yaitu Ketua Gapoktan, Ketua LKM-A, dan Ketua Kelompok Tani untuk mengikuti sekolah lapang yang terdiri dari pelatihan dan magang. Materi yang disusun disesuaikan potensi desa dan Sistem Informasi Pertanian yang disusun melalui kerjasama Kementrian Pertanian, Dinas Pertanian Kabupaten dan Perguruan tinggi.
PENDAMPINGAN SISTEM APLIKASI KEUANGAN DAN PENGEMBANGAN PROMOSI DIGITAL UKM “Resep Iboe” DALAM PENERAPAN LESS CONTACT ECONOMY COVID-19 Ratih Apri Utami; Indah Ibanah; Nurul Dwi Novikarumsari
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 5, No 1 (2021): Desember
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v5i1.6529

Abstract

ABSTRAKUKM “Resep Iboe” adalah salah satu Industri Rumah Tangga yang bergerak di bidang pengolahan dan penjualan aneka olahan kue kering tradisional Khas Jember. Lokasi usaha terletak di Desa Karangkedawung Kecamatan Mumbulsari Kabupaten Jember. Permasalahan mitra yang diidentifikasi di UKM “Resep Iboe” adalah pertama pada proses produksi yang selama ini masih bersifat tradisional sehingga produksi yang dihasilkan kurang optimal. Permasalahan kedua yaitu tidak adanya pembukuan keuangan yang terstruktur, sehingga diperlukan pembukuan keuangan melalui sistem keuangan yang terstruktur. Permasalahan ketiga, yaitu akses pemasaran melalui promosi produk belum menyebar luas. Sedangkan di sisi lain UKM “Resep Iboe” diharuskan menyesuaikan dengan kondisi pandemi Covid-19 untuk menerapkan less contact economy, sehingga diperlukan pengembangan digitalisasi pemasaran. Program Pengabdian Kemitraan pada UKM “Resep Iboe” ini merupakan pendampingan kewirausahaan, kelembagaan dan manajemen pemasaran dalam mendukung pengembangan usaha berbasis kelompok. Kegiatan dimulai dengan sosialisasi, dilanjutkan dengan pelatihan inovasi produk (bentuk, rasa, dan kemasan), pelatihan transaksi keuangan (SIAPIK dan QRIS) dan pelatihan desain promosi digital marketing (imooji). Tindak lanjut pasca program dari kegiatan ini adalah menjadikan lokasi pelaksanaan pengabdian sebagai mitra edukasi kewirausahaan, pendampingan manajemen keuangan dan media pemasaran digital. Sedangkan rencana luaran yang ditargetkan: berupa bantuan pendampingan dan peralatan pendukung produksi, pendampingan sistem keuangan SIAPIK serta pembuatan akun platform digital marketing imooji. Kata kunci: UKM; inovasi; SIAPIK; imooji. ABSTRACTSMEs “Resep Iboe” is one of the Home Industries which is engaged in processing and selling various processed traditional Jember pastries. The business location is located in Karangkedawung Village, Mumbulsari District, Jember Regency. The partner problems identified in SMEs "“Resep Iboe”" are the first in the production process which is still traditional so that the resulting production is less than optimal. The second problem is the absence of structured financial bookkeeping, so that financial accounting through a structured financial system is needed. The third problem, namely access to marketing through product promotion has not been widespread. Meanwhile, on the other hand, SMEs “Resep Iboe” are required to adapt to the conditions of the Covid-19 pandemic to implement a less contact economy, so the development of marketing digitalization is needed. The Partnership Service Program for SMEs “Resep Iboe” is an entrepreneurship, institutional and marketing management assistance in supporting group-based business development. The activity started with socialization, followed by product innovation training (shape, taste, and packaging), financial transaction training (SIAPIK and QRIS) and digital marketing promotion design training (imooji). The post-program follow-up of this activity is to make the location of the service implementation a partner for entrepreneurship education, financial management assistance and digital marketing media. While the planned outputs are targeted: in the form of assistance and production support equipment, assistance to the SIAPIK financial system and the creation of an imooji digital marketing platform account. Keywords: SMEs; innovation; SIAPIK; imooji.
Upaya Optimalisasi Lahan Pekarangan melalui Pelatihan Teknik Budidaya Cabai Rawit Terpadu dan Inisiasi Pembentukan KWT pada Kelompok Hidayah Tani di Jember, Jawa Timur Indri Fariroh; Nurul Dwi Novikarumsari; Ratih Apri Utami
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol 6 No 4 (2021): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v6i4.1843

Abstract

Hidayah Tani Farmers Group is a farmer's institution in Jember, East Java. The potential for large cayenne pepper productivity is around 523 tons, but most members of the Farmers Group still prioritize farming with rice-rice-palawija and rice-rice-tobacco cropping patterns. Meanwhile, cayenne pepper as a local potential has not become a priority because of the lack of technical knowledge about cayenne pepper cultivation. This group has several needs in terms of assistance and economic empowerment through farmer group institutions. Through group-based institutions, farmers can get counseling and assistance related to the cultivation of cayenne pepper in an integrated manner by utilizing their yards. Service activities are carried out through socialization of service programs, providing integrated cayenne pepper cultivation assistance, conducting counseling related to institutional strengthening of farmer groups, and monitoring and evaluation. Farmers' responses to the implementation of the mentoring program showed that the participants' perception of the cayenne pepper cultivation technique was good, and the women agreed that there would be a Women Farmers Group formed.
PROSPEK USAHA INOVASI PRODUK KAPSUL BAWANG HITAM SEBAGAI SUMBER ANTIOKSIDAN PENANGKAL RADIKAL DALAM MENGHADAPI PANDEMI Ratih Apri Utami; Anarofida Anarofida; Meihilda Dona Pratiwi; Ajeng Gendis Purborini; Dhea Karunia Putri; Rofiu Sisil Annisa
Jurnal Aktual Akuntansi Keuangan Bisnis Terapan (AKUNBISNIS) Vol 4, No 2 (2021)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/akunbisnis.v4i2.3116

Abstract

In the era of the Covid-19 pandemic, an immune booster is needed that can maintain a person's immune system to become more immune to the corona virus. Therefore the product "SULANTAM ABS" is present as an immune supplement. "SULANTAM ABS" (Safe, Efficacious, Healthy Black Garlic Capsules) is an innovation from black garlic which is made in capsule form and aims to make it easier for consumers to consume it to be more effective, efficient, and hygienic. The objectives of this program include: 1) Meeting consumer needs as an immune supplement, 2) Increasing public knowledge about the benefits of black garlic, and 3) Creating innovations from black garlic supplement products in capsule form. The method of making “SULANTAM ABS” product includes the stages of fermentation, drying, flouring, and packaging. Sales of this product have been carried out during August to September 2021, the product sold 20 units with a turnover of Rp. 1,100,000, a profit of Rp. 201,000. and BEP Rp. 96,766. This sales method is mainly done online through e-commerce and offline through consignment. Based on these results, that this business is very profitable and beneficial for the community.
Pemberdayaan Masyarakat Petani Kopi Lego Menuju Agrowisata Berkelanjutan dalam Perspektif Pentahelix Model di Gombengsari, Kabupaten Banyuwangi Ratih Apri Utami; Nurul Dwi Novikarumsari
Jurnal KIRANA Vol 3 No 1 (2022): Jurnal KIRANA Volume 3 Nomor 1
Publisher : Fakultas Pertanian Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jkrn.v3i1.31142

Abstract

Kampong Kopi Lerek Gombengsari (Kopi Lego) is a brand for Banyuwangi coffee plantation tourism activities starting from Gombengsari village. The development of Kopi Lego agro-tourism not only provides coffee tourism but is also supported by the role of Farmer Groups (Poktan) in the on-farm process and the role of Kelompok Sadar Wisata (Pokdarwis) in the coffee off-farm process through their supporting business units. Kopilego agro-tourism develops through the active participation of farmers in the Poktan and Pokdarwis institutional systems which have the potential to be developed through an empowerment model. There are several problems related to institutional management through Poktan and Pokdarwis including the low knowledge of member farmers in post-harvest coffee maintenance, both processing and marketing access and there is no synergistic support from various parties in sustainable agro-tourism management through Poktan and Pokdarwis institutions. This study aims to determine the institutional profile of Poktan and Pokdarwis Agrotourism, group empowerment in increasing the knowledge of Poktan and Pokdarwis members and analyze the empowerment that supports sustainable agro-tourism in the perspective of the penta helix model. This study uses a qualitative approach using the case study method. Data was collected by conducting in-depth interviews and literature review. The results showed that (1) Tunas Harapan Farmer Group and Pokdarwis Gombengsari became the main actors in the development of agro-tourism through the on-farm and off-farm processes of Lego Coffee, (2) empowerment of Poktan and Pokdarwis required assistance in processing and marketing access, and (3) Group-based empowerment involves various stakeholder roles in the pentahelix perspective (academics: UNEJ and UPN-VJ; business: BNI and Pertamina, community: Poktan and Pokdarwis; government: Department of Agriculture, Department of Industry and Trade and Department of Tourism; and media: Radar and Media Banyuwangi Social Affairs) to support sustainable agro-tourism in Gombengsari, Banyuwangi Regency.
Adaptasi Ekonomi Rumah Tangga di Desa Sukowiryo Kabupaten Jember melalui Budidaya Tanaman Sayuran secara Vertikultur Indri Fariroh; Nurul Dwi Novikarumsari; Ratih Apri Utami
Jurnal Pengabdian Magister Pendidikan IPA Vol 4 No 4 (2021)
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (424.887 KB) | DOI: 10.29303/jpmpi.v4i4.1030

Abstract

The paddy-paddy-palawija or paddy-paddy-tobacco cropping pattern is generally cultivated by most of members Hidayah Tani group in Sukowiryo Village, Jelbuk district, Jember. Meanwhile vegetables are rarely cultivated in there. Vegetable cultivation in yard around the house using verticulture is one of the household economic adaptation efforts during pandemic for increasing income. The aim of this community service are provide knowledge and insight about alternative uses of yard around the house for vegetable cultivation using verticulture, improve family welfares, and environmentally sustainable agriculture implementation. The method used in this program are preparation, socialization, training, and evaluation approaches. The results of this program showed that the community was enthusiastic in vegetable cultivation using verticulture, because its efficient built on limited yard, easy and simple to built in, could increase household income if its commercialized, supporting family food security, easy to get healty food, verticulture building is easy to move.
PERSEPSI TERHADAP INISIASI KELOMPOK WANITA TANI DI DESA SUKOWIRYO, KECAMATAN JELBUK, KABUPATEN JEMBER Nurul Dwi Novikarumsari; Ratih Apri Utami; Riza Yuli Rusdiana; Indri Fariroh
Jurnal Bisnis Tani Vol 6, No 2 (2020): Jurnal Bisnis Tani Desember 2020
Publisher : Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbt.v6i2.3499

Abstract

Permentan No. 67/ Permentan / SM.050 / 12/2016 states that the women farmer group is part of the farmer institution. The development of farmers aimed to(a) strengthening farmer groups and become independent farmer institutions; (b) increasing the ability of members in agribusiness development, and (c) increasing the ability of farmers' groups to carry out their functions. Sukowiryo Village is one of the villages in Jelbuk Subdistrict, Jember District that hasn’t been introduced yet to the initiation of women farmer groups as a forum for the cooperation of its members. This study aimed to analyze how the perceptions of the initiation of women farmer groups in Sukowiryo Village, Jelbuk Sub-District, Jember District. This study was used as a quantitative approach with purposive sampling method and used PLS analysis. The results showed that the relative advantages, observability, and compatibility have a direct influence on the initiation of the formation of female farmer groups, this is due to respondents have good perceptions, that the initiation of the women farmer groups that reflected in the planning and the types of activities that are considered to be beneficial later easy to observe and very much by the needs of the community.
PELUANG USAHA INOVASI PUPUK TULANG TERNAK DAN CANGKANG TELUR UNTUK PERTANIAN BERKELANJUTAN Ratih Apri Utami; Anarofida Anarofida; Meihilda Hoda Pratiwi; Rizky Bangkit Pamungkas; Sapna Dwi Elisa; Ubaidillah Ubaidillah
Jurnal Aktual Akuntansi Keuangan Bisnis Terapan (AKUNBISNIS) Vol 5, No 2 (2022)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/akunbisnis.v5i2.4066

Abstract

Food is one of the needs consumed by humans every day to support survival. Food consumed by humans certainly produces waste from unused food waste. The existence of livestock bones and egg shells that are abundant in the community as food waste from animal materials can be used for organic fertilizer. The effective content of the waste can support the completeness of fertilizer nutrients applied to plants. "PTC Organik" is here as a pioneering innovation in quality waste fertilizer from a combination of cow, chicken, and eggshell bone meal in order to support sustainable agriculture as well as food security due to the scarcity of subsidized fertilizers. The objectives of this program are 1) creating a diversification of organic fertilizers; 2) providing sustainable and environmentally caring organic fertilizer needs; and 3) foster an entrepreneurial spirit. The method of sales is carried out directly as well as indirectly. Product sales have been carried out from August to September 2022, where "PTC Organik" products were sold as much as 85 pcs with a weight of 500 grams each, revenue of Rp. 1,800,000,-, a profit of Rp. 471,508,-. While the BEP price is Rp. 24,000 and the BEP of the product is 47 pcs and B/C Ratio 1,28. Based on this, the product business "PTC Organik" indicates the potential to be developed.