Conference Presentations by Besse - Wediawati
Keuangan mikro has a mission to alleviate poverty through two bottom line namely financial interm... more Keuangan mikro has a mission to alleviate poverty through two bottom line namely financial intermediation and social intermediation. Nevertheless, there has been mission drift from poverty reduction through the provision of microcredit services to the poor to a commercial mission to pursue profitability, leaving the poor in their activities; in addition, there has been a trade-off between the outreach to the poor and financial sustainability. This paper is a literature review that aims to obtain an effective conceptual model of Islamic keuangan mikro institution in Indonesia by using an intermediation approach. The results of the literature review showed that the triple intermediation approach (i.e. social, financial and spiritual intermediation) conducted simultaneously by Islamic keuangan mikro institutions (Baitul Maal wattamwil) can be an effective model for keeping Islamic keuangan mikro institutions on the mission to alleviate poverty by providing micro-finance services to even the poorest customers, keep their business profitable, and also remain true to Islamic principles
Microfinance has a mission to alleviate poverty through two bottom lines, namely financial interm... more Microfinance has a mission to alleviate poverty through two bottom lines, namely financial intermediation and social intermediation. Nevertheless, there has been mission drift-from poverty reduction through the provision of microcredit services to the poor to a commercial mission to pursue profitability, leaving the poor in their activities; in addition, there has been a trade-off between the outreach to the poor and financial sustainability. This paper is a literature review that aims to obtain an effective conceptual model of Islamic microfinance institutions in Indonesia by using an intermediation approach. The results of the literature review show that the triple intermediation approach (i.e. social, financial and spiritual intermediation) conducted simultaneously by Islamic microfinance institutions (Baitul Maal wattamwil) can be an effective model for keeping Islamic microfinance institutions on their mission to alleviate poverty by providing micro-finance services to even the poorest customers, thus keeping their business profitable, and also remaining true to Islamic principles.
Drafts by Besse - Wediawati
Microfinance has a mission to alleviate poverty through two bottom line namely financial intermed... more Microfinance has a mission to alleviate poverty through two bottom line namely financial intermediation and social intermediation. Nevertheless, there has been mission drift from poverty reduction through the provision of microcredit services to the poor to a commercial mission to pursue profitability, leaving the poor in their activities; in addition, there has been a trade-off between the outreach to the poor and financial sustainability. This paper is a literature review that aims to obtain an effective conceptual model of Islamic microfinance institution in Indonesia by using an intermediation approach. The results of the literature review showed that the triple intermediation approach (i.e. social, financial and spiritual intermediation) conducted simultaneously by Islamic microfinance institutions (Baitul Maal wattamwil) can be an effective model for keeping Islamic microfinance institutions on the mission to alleviate poverty by providing micro-finance services to even the poorest customers, keep their business profitable, and also remain true to Islamic principles
Microfinance has a mission to alleviate poverty through two bottom line namely financial intermed... more Microfinance has a mission to alleviate poverty through two bottom line namely financial intermediation and social intermediation. Nevertheless, there has been mission drift from poverty reduction through the provision of microcredit services to the poor to a commercial mission to pursue profitability, leaving the poor in their activities; in addition, there has been a trade-off between the outreach to the poor and financial sustainability. This paper is a literature review that aims to obtain an effective conceptual model of Islamic keuangan mikro institution in Indonesia by using an intermediation approach. The results of the literature review showed that the triple intermediation approach (i.e. social, financial and spiritual intermediation) conducted simultaneously by Islamic keuangan mikro institutions (Baitul Maal wattamwil) can be an effective model for keeping Islamic keuangan mikro institutions on the mission to alleviate poverty by providing micro-finance services to even the poorest customers, keep their business profitable, and also remain true to Islamic principles
Papers by Besse - Wediawati
Academy of Strategic Management Journal, 2018
This study aims to address the sustainability issue of Islamic Micro-Finance Institutions (IMFIs)... more This study aims to address the sustainability issue of Islamic Micro-Finance Institutions (IMFIs) in Indonesia. Previous researches on IMFI sustainability generally viewed the financial and social or the spiritual aspect as segregated elements. There is hardly any empirical investigation that integrated these three aspects in an effort to achieve sustainability. Thus, this research is expected to fill the gap by proposing a holistic approach for achieving IMFI sustainability. This study used survey method on 98 units of sharia cooperatives/Baitul Maal Wattamwil (BMTs) using a structured questionnaires based on Likert scale of 5 points. The previous holistic approach was developed based on the literature review and the responses of IMFI's experts. Partial least square path modeling has been adopted to examine the relationship among the constructs. The results show that financial, social and spiritual intermediation has a positively significant effect on IMFI's sustainability in Indonesia. These results also show that IMFI's sustainability problem can be overcome by applying holistic approach. The study is focused on Islamic Micro Finance Institution (IMFI). The future study is expected to observe the impact of this holistic approach on the lives of the poor and on the performance of micro-enterprises as beneficiaries of IMFI. This study is the first empirical one to examine the sustainability of IMFI using a holistic approach. It also provides new contribution to the IMFI's intermediary concept from the double bottom line-as known so far-has become a triple mission of IMFI.
Jurnal Manajemen Terapan dan Keuangan, Jun 20, 2022
Penelitian ini bertujuan untuk memperoleh kajian empiris mengenai faktor-faktor yang berpengaruh ... more Penelitian ini bertujuan untuk memperoleh kajian empiris mengenai faktor-faktor yang berpengaruh terhadap kepuasan keuangan pengguna fintech shopeepay. Yaitu faktor perilaku keuangan, pengetahuan keuangan, sikap keuangan dan perilaku keuangan. Penelitian ini merupakan penelitian survey. Pengumpulan data dilakukan melalui kuesioner. Populasi dalam penelitian ini adalah seluruh mahasiswa Universitas Jambi yang menggunakan fasilitas fintech ShopeePay dengan sampel penelitian sebanyak 99 responden. Analisis data menggunakan Partial Least Square dengan software SmartPLS 3. Hasil penelitian menunjukkan bahwa Pengetahuan keuangan dan sikap keuangan mempengaruhi perilaku keuangan, demikian pula perilaku keuangan mempengaruhi kepuasan keuangan pengguna fintech shopee pay. Hasil riset ini juga menunjukkan bahwa perilaku keuangan dapat memediasi pengaruh pengetahuan dan sikap keuangan terhadap kepuasan keuangan pengguna fintech shopee pay.
Jurnal Ekonomi Aktual, Aug 3, 2021
This study aims to reveal the quality of Program Keluarga Harapan by assessing the implementation... more This study aims to reveal the quality of Program Keluarga Harapan by assessing the implementation of the program's graduation scheme, which so far has not reached the target level. The effectiveness analysis used a holistic approach where the previous studies were carried out partially. The object of this research is the beneficiary families who have entered the category of natural graduation participants and have social welfare problems. This research used a mix method approach with sequential explanatory method. Quantitative data was collected using questionnaires and qualitative data was collected through in-depth interviews with relevant stakeholders. Quantitative data analysis used partial least squares and qualitative analysis used descriptive narrative. The results showed that the implementation of Program Keluarga Harapan through its five components affected the graduation rate of program recipients. However, the empowerment component which is one of the important components driving graduation is not yet in the good category.
Tujuan Pelatihan Pelatihan Manajemen Ritail Berbasis Potensi Lokal Melalui Strategi Fungsioivitas... more Tujuan Pelatihan Pelatihan Manajemen Ritail Berbasis Potensi Lokal Melalui Strategi Fungsioivitas untuk meningkatkan produktivitas pemasaran dan manajemen keuangan Bagi Bumdes Mart Di Desa Penyengat Olak, Kec Jambi Luar Kota, Jambi. Bumdesa Mart Desa Penyengat Olak Kecamatan Jambi Luar Kota. Pengabdian dilakukan selama 7 Bulan (Bulan April sampai dengan Oktober tahun 2019). Solusi yang ditawarkan adalah program pelatihan dan pendampingan menggunakan strategi fungsional berupa manajemen tata kelolah bumdes-mart, manajemen pemasaran, dan pendampingan pembuatan laporan keuangan.
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, Oct 31, 2022
It is the first empirical research that initiates a model for a growing interest in entrepreneurs... more It is the first empirical research that initiates a model for a growing interest in entrepreneurship among the younger generation based on the two most important literacy in the industrial era 4.0, namely digital literacy and entrepreneurial literacy. Specifically, the purpose of this research is to fill the research gap of the lack of research that examines the interest in entrepreneurship in startups based on digital literacy and entrepreneurial literacy as well as solving problems for the low interest in entrepreneurship in startup businesses among the younger generation. The sample of this research was 406 students of the Faculty of Economics and Business, Universitas Jambi. It was collecting data using a questionnaire. The data analysis technique used Partial least square. The study results showed high entrepreneurial and digital literacy levels and student interest in entrepreneurship. Entrepreneurial and digital literacy has a positive and significant effect on the entrepreneurial interest of students. To foster entrepreneurial interest in startup businesses, it is necessary to provide entrepreneurial literacy to the younger generation, both formally and informally. It is also necessary to increase digital literacy with an education relevant to startup businesses among the younger generation.
Islamic microfinance is the integration of the two forces that are growing rapidly, namely Islami... more Islamic microfinance is the integration of the two forces that are growing rapidly, namely Islamic finance and microfinance. Therefore, not only has the dual mission as conventional microfinance (financial and social intermediation), Islamic microfinance also has a spiritual mission (spiritual intermediation) as a manifestation of Islamic principles which is based and a real differentiator compared to MFIs. This study is the first empirical study to explore and establish the concept of spiritual intermediation of Islamic microfinance (IMFI) towards the concept of triple mission of MFI (i.e. financial, social and spiritual intermediation). The study used a qualitative approach with qualitative interviews and focus group discussions to 32 administrators, managers and field staff of 12 Baitul Maal wattamwil (BMT) in the city of Jambi and Kendari. The result shows that there is a spiritual intermediary conducted by BMT in the form of spiritual practice, spiritual education and spiritual training. Spiritual practice is done in two forms of activities, 1) the daily behavior of the individual/staff in accordance with Islamic principles as exemplary forms and then into the corporate culture, and 2) the behavior of the organization in accordance with Islamic principles (Sharia compliance). Spiritual education and spiritual training have been programmed by BMT, although spiritual education is still done on a limited scale, incidental, and adapted to the conditions and needs of BMT. Spiritual training, however, has not been done at all. This is due to the lack funding, expertise and network. Therefore, a planned effort and synergy needs to be done by IMFI and all stakeholders, especially the Syariah economic community (MES) to strengthen this spiritual mission, so that the mission as a whole held together with financial and social mission. This can ultimately improve the financial literacy of sharia in Indonesia and improve public access to IMFI.
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
It is the first empirical research that initiates a model for a growing interest in entrepreneurs... more It is the first empirical research that initiates a model for a growing interest in entrepreneurship among the younger generation based on the two most important literacy in the industrial era 4.0, namely digital literacy and entrepreneurial literacy. Specifically, the purpose of this research is to fill the research gap of the lack of research that examines the interest in entrepreneurship in startups based on digital literacy and entrepreneurial literacy as well as solving problems for the low interest in entrepreneurship in startup businesses among the younger generation. The sample of this research was 406 students of the Faculty of Economics and Business, Universitas Jambi. It was collecting data using a questionnaire. The data analysis technique used Partial least square. The study results showed high entrepreneurial and digital literacy levels and student interest in entrepreneurship. Entrepreneurial and digital literacy has a positive and significant effect on the entreprene...
Jurnal Ilmiah Universitas Batanghari Jambi, Oct 31, 2022
This study aims to analyze the effect of Organizational Support on Employee Performance through E... more This study aims to analyze the effect of Organizational Support on Employee Performance through Employee Engagement (study at the Gelam Jamb River Freshwater Aquaculture Center)i. The target population for this research is BPBAT ASN totaling 67 employees with 50 respondents as BPBAT Sungai Gelam ASN technical personnel. This study uses a quantitative approach with survey methods and uses Partial Least Square (PLS) data analysis. The results of this study indicate thato Organizational support has a negative and insignificant effect on performance,Organizational support has a positive and significant effect on employee engagement, employee engagement has a positive and significant effect on performance, Organizational support has a positive and significant effect on performance through employee engagement. Employee engagement is proven as a mediating variable in Organizational Support on the performance of the employees of the Sungai Gelam Sungai Gelam Fisheries Freshwater Center, Jambi.
Jurnal Inovasi, Teknologi dan Dharma Bagi Masyarakat
Kota jambi sebagai salah satu kota yang menerima program keluarga harapan, terdapat 11 kecamatan ... more Kota jambi sebagai salah satu kota yang menerima program keluarga harapan, terdapat 11 kecamatan yang telah Terdapat 14.314 KPM yang menerima program tersebut. Untuk pencapaian tujuan ini program keluarga harapan memiliki target yaitu 20% dari KPM sehingga mereka dapat mencapai taraf kehidupan yang lebih baik yaitu di atas pra sejahtera atau graduasi mandiri. pengabdian sebelumnya dilakukan pendampingan dengan melakukan pelatihan digital dan pembentukan Kelompok Usaha Bersama (KUBE) dengan sistem syariah. Namun, pembentukan KUBE ini perlu di follow up kembali agar dapat menghasilkan kebermanfaatan yang maksimal. Pendampingan kembali perlu dilakukan dari kegiatan pengabdian sebelumnya untuk mengetahui sejauh mana efektifitas maupun hasil pelatihan dan pembentukan KUBE ini berdampak pada usaha yang mereka jalankan sehingga dapat meningkatkan pendapatkan mereka untuk kedepannya. Penelitian ini bertujuan untuk menyusun rencana strategis dalam pengembangan menuju graduasi melalui evaluas...
Jurnal Manajemen Terapan dan Keuangan
Penelitian ini bertujuan untuk menguji Pengaruh Literasi Keuangan dan financial technology terhad... more Penelitian ini bertujuan untuk menguji Pengaruh Literasi Keuangan dan financial technology terhadap inklusi keuangan pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Jambi. Penelitian ini menggunakan metode survey. Populasi penelitian adalah seluruh mahasiswa Fakultas Ekonomi dan Bisnis Universitas Jambi dan dengan tekhnik purposive sampling diperoleh sebanyak 102 sampel. Pengumpulan data dilakukan melalui penyebaran kuesioner dengan skala likert 4 poin. Teknik pengujian data menggunakan partial least square dengan Software SmartPLS 3.0. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap Inklusi keuangan, dan financial technology berpengaruh positif dan signifikan terhadap Inklusi keuangan. Literasi keuangan dan financial technology berpengaruh sebesar 77,5% terhadap inklusi keuangan.
Jurnal Manajemen Terapan dan Keuangan
Penelitian ini bertujuan untuk memperoleh kajian empiris mengenai faktor-faktor yang berpengaruh ... more Penelitian ini bertujuan untuk memperoleh kajian empiris mengenai faktor-faktor yang berpengaruh terhadap kepuasan keuangan pengguna fintech shopeepay. Yaitu faktor perilaku keuangan, pengetahuan keuangan, sikap keuangan dan perilaku keuangan. Penelitian ini merupakan penelitian survey. Pengumpulan data dilakukan melalui kuesioner. Populasi dalam penelitian ini adalah seluruh mahasiswa Universitas Jambi yang menggunakan fasilitas fintech ShopeePay dengan sampel penelitian sebanyak 99 responden. Analisis data menggunakan Partial Least Square dengan software SmartPLS 3. Hasil penelitian menunjukkan bahwa Pengetahuan keuangan dan sikap keuangan mempengaruhi perilaku keuangan, demikian pula perilaku keuangan mempengaruhi kepuasan keuangan pengguna fintech shopee pay. Hasil riset ini juga menunjukkan bahwa perilaku keuangan dapat memediasi pengaruh pengetahuan dan sikap keuangan terhadap kepuasan keuangan pengguna fintech shopee pay.
Jurnal Surya Masyarakat
This activity aims to help female micro-entrepreneurs who are recipients of the Program Keluarga... more This activity aims to help female micro-entrepreneurs who are recipients of the Program Keluarga Harapan solve their problems in their business so that they can proceed towards graduation. The problems faced are the entrepreneurial spirit which sometimes fluctuates, especially during a pandemic; limited capital to increase business volume; limited knowledge of business management, as well as low access/utilization of technology to support business. The solution for solving this problem is to provide business strengthening through entrepreneurship training, digital marketing and assistance for the formation of joint business groups. Training and mentoring are carried out using participant and project based learning methods as well as mentoring. The activity was carried out for 6 months, starting from May to October 2021. The team consisted of 5 people with relevant fields of expertise. The result of this activity is an increase in the entrepreneurial spirit, knowledge and empowermen...
Studium: Jurnal Pengabdian Kepada Masyarakat
Program pengabdian kepada masyarakat ini bertujuan untuk melakukan pendampingan usaha ibu-ibu ke... more Program pengabdian kepada masyarakat ini bertujuan untuk melakukan pendampingan usaha ibu-ibu keluarga penerima manfaat program keluarga harapan (PKH) di Kecamatan Telanai Pura Kota Jambi. Metode pendampingan berupa pelatihan yang bersifat partisipatif mengenai Scale Up UMKM dan Inisiasi Kelompok Usaha Bersama (KUBE) dari beberapa usaha sejenis yang mereka lakukan saat ini. Dengan memberikan pendampingan ini dapat membantu masyarakat terutama keluarga penerima manfaat PKH dalam mengatasi persoalan terkait pengembangan usaha, kelayakan usaha dan plan usaha yang terus berkembang. Materi yang diberikan antara lain pelatihan cara cepat Scale Up Usaha, penguatan berpikir kreatif dan inovasi dalam menjalankan usaha sehingga masalah dan hambatan yang dihadapi dapat menjadi pengalaman dalam memperbaiki manajemen Usaha. Materi selanjutnya pemahaman kelayakan usaha dan meningkatkan aktifitas KUBE. Program pengabdian kepada masyarakat ini secara keseluruhan berlangsung selama delapan bulan m...
BAKTIMAS : Jurnal Pengabdian pada Masyarakat, 2020
Usaha Mikro Kecil Menengah (UMKM) yang berada di Desa Koto rendah, Kecamatan Siulak, Kabupaten Ke... more Usaha Mikro Kecil Menengah (UMKM) yang berada di Desa Koto rendah, Kecamatan Siulak, Kabupaten Kerinci adalah bentuk Kelompok Usaha Bersama (KUBE) dari ibu-ibu rumah tangga yang mempunyai usaha bisnis dalam kuliner, pembibitan, pengolahan hasil pertanian dan perkebunan sekitar yang mereka miliki maupun penduduk setempat. Kegiatan pengabdian ini adalah untuk meningkatkan pengetahuan dan keterampilan mengenai kemampuan untuk melakukan perencanaan bisnis (Business Plan). Selain itu, untuk memberikan peningkatan keterampilan dalam merencanakan bisnis menggunakan bisnis model. Metode yang akan digunakan untuk mencapai tujuan tersebut adalah dengan pelatihan dan pendampingan membuat rencana bisnis dalam lembar kerja bisnis model canvas.Kata Kunci : UMKM, KUBE Business PlanABSTRACTSmall and Medium Enterprises (MSMEs) located in Koto low Village, Siulak Sub-District, Kerinci Regency is a form of Joint Venture Group (KUBE) of housewives who have business ventures in culinary, nursery, proces...
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Conference Presentations by Besse - Wediawati
Drafts by Besse - Wediawati
Papers by Besse - Wediawati