Determinants of Loan Repayment: Evidence from Group Owned Micro and Small Enterprises, Tigray, Northern Ethiopia

The study aims to investigate factors affecting loan repayment performance of the group owned MSEs taking borrower characteristics in to consideration. The primary data was collected by distributing semi-structured questionnaire and interviewing 62 group owned MSEs located in Mekelle city, Tigray Regional state of Ethiopia financed by DECSI by using census method, of which 13 group owned MSEs were found to be defaulters and the remaining, 49 MSEs were non-defaulters. An econometrics model (Binary Logistic Regression) was used to analyze the effect of the literature driven variables have on loan repayment (dependent variable). The binary logistic regression result shows among the variables hypothesized to affect loan repayment, initiation and sector have statistically significant effect on loan repayment. Whereas like group composition and group size have statistically insignificant effect on loan repayment.  Therefore, to improve the loan repayment performance of the group owned MSEs and increase the potential contribution of MSEs to the economic growth of the country, all concerned stakeholders must to play their role. Keywords: Determinant, Loan Repayment, Group Owned, Micro and Small Enterprises, Binary Logistic Regression Logistic, Tigray, Ethiopia

Pendampingan Penerapan Protokol Kesehatan Untuk Mencegah Penularan Covid-19 Bagi Pelaku Usaha Makanan Minuman di Wilayah Ngagel Rejo Surabaya

Kasus Covid-19 yang masih terus bertambah di Jawa Timur, khususnya di kota Surabaya. Upaya pemerintah dalam membatasi penyebaran dan lonjakan kasus Covid-19 di Indonesia yaitu dengan menerapkan sejumlah protokol kesehatan dan mengatur mobilitas/aktivitas masyarakat seperti: PSBB, PSBB Transisi, PPKM, PPKM Tingkat Mikro desa/kelurahan/RT/RW, PPKM Darurat, PPKM Level 3 dan 4. Akan tetapi, penambahan pasien konfirm Covid-19 tidak bisa dihindari. Meskipun sudah ada vaksin tetapi pemerintah tetap memberlakukan 5M (Memakai masker, Menjaga jarak, Mencuci tangan, Mejauhi kerumunan, Membatasi mobilitas) dan 3T (Tracing, Testing, Treatment) dalam upaya memutus mata rantai penularan Covid-19. Tidak bisa membatasi diri dengan kondisi pandemik seperti ini, akan tetapi perlu dilakukan hidup berdampingan dengan Covid-19 sesuai protokol kesehatan yang benar. Berdasarkan ilustrasi tersebut permasalahan yang dihadapi mitra yaitu: kurangnya pemahaman terkait penyakit dan penularan Covid-19 sehingga memunculkan klaster penyebaran Covid-19 di tempat penjual makanan minuman serta kurangnya informasi owner, karyawan dan pembeli terkait penerapan protokol kesehatan di tempat penjualan makanan dan minuman. Tujuan kegiatan ini adalah untuk mencegah penularan Covid-19 dan meminimalisir klaster penularan Covid-19 di tempat penjual makanan minuman. Metode yang digunakan yaitu observasi lapangan, pemberian foot operated hand wash (wastafel portabel), pemberian suplemen pencegahan Covid–19 serta edukasi dan pendampingan penerapan protokol kesehatan bagi pelaku penjual makanan dan minuman. Hasil yang didapatkan adanya transfer informasi dan pengetahuan tentang protokol kesehatan, pencegahan penyebaran Covid–19 di tempat penjual makanan minuman. Kesimpulan terdapat peningkatan pengetahuan tentang pencegahan penularan Covid-19 bagi penjual makanan dan minuman di wilayah Ngagel Rejo Surabaya

Pendampingan Penerapan Protokol Kesehatan Untuk Mencegah Penularan Covid-19 Bagi Pelaku Usaha Makanan Minuman di Wilayah Ngagel Rejo Surabaya

Kasus Covid-19 yang masih terus bertambah di Jawa Timur, khususnya di kota Surabaya. Upaya pemerintah dalam membatasi penyebaran dan lonjakan kasus Covid-19 di Indonesia yaitu dengan menerapkan sejumlah protokol kesehatan dan mengatur mobilitas/aktivitas masyarakat seperti: PSBB, PSBB Transisi, PPKM, PPKM Tingkat Mikro desa/kelurahan/RT/RW, PPKM Darurat, PPKM Level 3 dan 4. Akan tetapi, penambahan pasien konfirm Covid-19 tidak bisa dihindari. Meskipun sudah ada vaksin tetapi pemerintah tetap memberlakukan 5M (Memakai masker, Menjaga jarak, Mencuci tangan, Mejauhi kerumunan, Membatasi mobilitas) dan 3T (Tracing, Testing, Treatment) dalam upaya memutus mata rantai penularan Covid-19. Tidak bisa membatasi diri dengan kondisi pandemik seperti ini, akan tetapi perlu dilakukan hidup berdampingan dengan Covid-19 sesuai protokol kesehatan yang benar. Berdasarkan ilustrasi tersebut permasalahan yang dihadapi mitra yaitu: kurangnya pemahaman terkait penyakit dan penularan Covid-19 sehingga memunculkan klaster penyebaran Covid-19 di tempat penjual makanan minuman serta kurangnya informasi owner, karyawan dan pembeli terkait penerapan protokol kesehatan di tempat penjualan makanan dan minuman. Tujuan kegiatan ini adalah untuk mencegah penularan Covid-19 dan meminimalisir klaster penularan Covid-19 di tempat penjual makanan minuman. Metode yang digunakan yaitu observasi lapangan, pemberian foot operated hand wash (wastafel portabel), pemberian suplemen pencegahan Covid–19 serta edukasi dan pendampingan penerapan protokol kesehatan bagi pelaku penjual makanan dan minuman. Hasil yang didapatkan adanya transfer informasi dan pengetahuan tentang protokol kesehatan, pencegahan penyebaran Covid–19 di tempat penjual makanan minuman. Kesimpulan terdapat peningkatan pengetahuan tentang pencegahan penularan Covid-19 bagi penjual makanan dan minuman di wilayah Ngagel Rejo Surabaya

The representation of japanese culture through ramen in the ramen girl film

In this research, the writer concerned with the representation of Japanese culture, in The Ramen Girl film directed by Robert Allan Ackerman. The analysis aimed at finding out the representation of Japanese through some evidences include: 1) gender�s role; 2) social class; and 3) ramen ingredients. Besides that, this film does not only adopt the whole Japanese culture, but also a little American culture in it. It also shows many things about original ramen from Japan and ramen with additional ingredients that made by Abby, the main character of this film. This research is emphasized by the evidences from the dialogues between characters and pictures which are captured by the writer in order to simplify to analyze it. The writer uses the descriptive qualitative method in this research. Descriptive qualitative is one of the techniques to analyze data. This technique uses to analyze that is not numeric or graphic data, but to describe and summarize the dialogue and the pictures of this research. To analyze the data, the writer uses qualitative analysis employing cultural studies approach which has relation with representation theory. The writer uses herself as the instrument in this research. The writer uses the relevant theories in understanding representation. The theories that are appropriate with this research are the representation by Stuart Hall and Food studies. This research shows that ramen can represent Japanese culture through many ways. First, the tradition of Japanese culture every ramen chef should have a successor and the successor can be every ones. Second, ramen can be eaten and enjoyed by every social class. The last, this research shows that ramen can be served with adaptation of Japanese and American cultures in it. Even though the main character only adopts several kinds of Japanese ramen ingredients, but it is appreciated by American people in the end of the story of the film

Konstruksi Sosial Penggunaan Jilbab di Hijabers Community

Skripsi ini menjelaskan bagaimana penggunaan jilbab yang tidak hanya berasal dari kontsruksi agama saja, tetapi juga bisa berasal dari kontruksi sosial salah satunya kontsruksi penggunaan jilbab yang dilakukan oleh Hijabers Community. Tujuan penelitian ini adalah untuk mengetahui makna jilbab menurut Hijabers Community serta mengetahui proses konstruksi jilbab yang dilakukan oleh Hijabers Community. Penelitian menemukan adanya penyempitan makna dalam memaknai jilbab. Dalam menganalisis konstruksi penggunaan jilbab oleh Hijabers Community peneliti menggunakan konsep Konstruksi Sosial Peter L. Berger dan Luckmann yang menjelaskan adanya tiga proses kontruksi yaitu, eksternalisasi, objektivasi dan internalisasi dari konsep tersebut peneliti menemukan perbedaan konstruksi penggunaan jilbab yang dilakukan oleh Founders dari Hijabers Community dan Komite Hijabers Community Jakart

ANALISIS STRATEGI PENGHIMPUNAN DANA ZIS (ZAKAT, INFAQ DAN SHADAQAH) DI LEMBAGA AMIL ZAKAT INFAQ DAN SHADAQAH MUHAMMADIYAH WONOGIRI SELAMA MASA PANDEMI PADA TAHUN 2020 - 2022

Lazismu Wonogiri is an institution/organization located in Wonogiri Regency, Central Java, and is an Amil Zakat Institution that has played an active role in the Covid-19 pandemic outbreak. In its collection, Lazismu Wonogiri was able to assist the Wonogiri Kanupaten government in alleviating poverty in Wonogiri Regency. Within a period of 3 (three) years, namely 2020-2022, Lazismu Wonogiri was able to survive and remain active in collecting funds from the community to be distributed to people who needed assistance during the Covid-19 pandemic. This is a very innovative thing to help people affected by the Covid-19 pandemic by using several strategies that have been implemented by Lazismu Wonogiri. The aim of this research is to find out the factors that influence the collection of ZIS funds during the Covid-19 pandemic and to find out what strategies were used by Lazismu Wonogiri in collecting ZIS funds during the Covid-19 pandemic. This research uses field research with an empirical qualitative approach. Meanwhile, the data analysis method used is descriptive qualitative. In the data collection method, the authors used observation, interviews and additional final documentation. This research uses factor theory and productive performance strategy theory to analyze the suitability of theory with the reality that occurs according to Law Number 23 of 2011 concerning Zakat Management. The research results show that there are several factors that influence the collection of ZIS funds (Zakat, Infaq and Sadaqah), namely there are internal and external factors. Internal factors include the literacy index of Muhammadiyah residents, awareness of muzakki/donors and increased public understanding. Meanwhile, external factors that influence are the role of government, promotional activities and establishing collaboration with various parties. The strategy carried out is through 3 (three) processes, namely formulation/planning, implementation and strategy evaluation. The strategy carried out during the Covid-19 pandemic was donor maintenance, collaborating with the utilization team and creating innovations and new programs that were carried out during the Covid-19 pandemic. By focusing on utilizing social media, transferring donation transactions, collaborating and creating new programs, we have succeeded in influencing the increase in ZIS fund collection during the Covid-19 pandemic

Al-dhawq al-adabi

89 p.; 21 c

Al-dhawq al-adabi

89 p.; 21 c

Al-dhawq al-adabi

89 p.; 21 c