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All Journal Edueksos : Jurnal Pendidikan Sosial & Ekonomi Muslim Business and Economic Review
Izra Berakon
UIN Sunan Kalijaga Yogyakarta
Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Central Governance Policy and Local Governance Participation: Risk Mitigation of Indonesia Smes Covid-19 Affected Mahatva Yoga Adi Pradana; Rizaldi Yusfiarto; Ratna Sofiana; Izra Berakon; Muhammad Fiqri Fadillah
Edueksos : Jurnal Pendidikan Sosial dan Ekonomi Vol 11, No 2 (2022)
Publisher : Department of Tadris IPS FITK IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v11i2.10825

Abstract

Abstract: The Covid-19 pandemic has a significant impact on the economy, one of the most affected business scales is micro and small businesses. Regarding this potential problem, the central government issued a policy package in the form of financial incentives for various sectors of tourism, aviation and property services, as well as additional subsidies and tax cuts. The author uses a quantitative approach, where data sources are obtained by spreading questionnaires in the Central Java region. Then the results are processed using the SPSS program. Based on this, this study aims to explore how much effectiveness in terms of policy implementation and how the level of local government participation in the policy. The results showed that of the five policies for MSMEs, the provision of working capital incentives has the highest percentage index, this shows that in the short term, the provision of working capital incentives in the form of cash assistance will have a direct impact on MSME.Keywords: Governance Policy, Governance Participation, SMEs Sustainability,   Pandemic Covid-19 Abstrak: Pandemi Covid-19 berdampak signifikan terhadap perekonomian, salah satu skala usaha yang paling terdampak adalah usaha mikro dan kecil. Terkait potensi permasalahan tersebut, pemerintah pusat mengeluarkan paket kebijakan berupa insentif keuangan untuk berbagai sektor pariwisata, penerbangan dan jasa properti, serta tambahan subsidi dan pemotongan pajak. Penulis menggunakan pendekatan kuantitatif, dimana diperoleh sumber data dengan menyebarkan kuesioner di wilayah Jawa Tengah. Kemudian hasilnya diolah menggunakan program SPSS. Berdasarkan hal tersebut, penelitian ini bertujuan untuk menggali seberapa besar efektivitas dalam hal implementasi kebijakan dan bagaimana tingkat partisipasi pemerintah daerah dalam kebijakan tersebut. Hasil penelitian menunjukkan bahwa dari kelima kebijakan untuk UMKM tersebut, pemberian insentif modal kerja memiliki indeks persentase tertinggi, hal ini menunjukkan bahwa dalam jangka pendek, pemberian insentif modal kerja berupa bantuan tunai akan berdampak langsung terhadap UMKM.Kata Kunci: Kebijakan Tata Kelola, Partisipasi Tata Kelola, Keberlanjutan UKM, Pandemi Covid-19
What Drives Consumers to Use Syariah M-Banking to Purchase E-Money? Integration of UTAUT 2 and Mobile Service Quality Alfian Nisa Septiani; Izra Berakon; Ruspita Rani Pertiwi; Mahatva Yoga Adi Pradana; Safwan Kamal
Muslim Business and Economic Review Vol. 1 No. 2 (2022)
Publisher : Muslim Business and Economic Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v1i2.68

Abstract

This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially  e-money purchases.
Co-Authors Alfian Nisa Septiani Mahatva Yoga Adi Pradana Mahatva Yoga Adi Pradana Muhammad Fiqri Fadillah Ratna Sofiana Rizaldi Yusfiarto Ruspita Rani Pertiwi Safwan Kamal