Strengthening the Role of Women in Empowering Mosque Functions After the Covid 19 Pandemic with a Social Entrepreneurship Approach

This service aims to increase women's awareness and capacity in managing the function of an economy-based mosque through Zakat, Infak, Shodaqoh, and Waqf (Ziswaf) funds. This departs from the fact in the community around the assisted mosque that in every majlis of women-based religious activities there is an economic sector that is built and developed with a savings and loan cooperative system. especially during the COVID-19 pandemic, the community's need for social institutions like this is very high, this can be seen from the number of borrowers at one of the women's ta'lim majlis which has increased sharply. Therefore, it is important to help increase their role and capacity, in the process of social change and improving people's welfare. Thus, institutionally mosques and mosque congregations as a community of the nation-state can contribute optimally in the national development process. The ability to master mosque empowerment strategies by developing zakat, infaq, shadaqah, and waqaf (ZISWAF) instruments is important to be mastered by mosque welfare officials and women driving economic activity in majlis ta'lim. The method applied in this program is Participatory Rural Appraisal (PRA) which prioritizes critical dialogue using object/community-based disclosure, to obtain a real perspective in the minds of the target object and at the same time fulfil the paradigmatic alignment as mentioned above. The approach taken in this program is a social entrepreneurship approach, which combines increasing the value of resources economically and streamlining social goals and missions. This approach aims to improve social aspects, as well as implement strategies that are integrated between social and economic aspects.

In search of opportunities for development of microinsurance by drawing on the experience of previous generations

Motivation: Notwithstanding the 30 years of the market economy, the Polish insurance market still reveals an exceptionally low level of penetration rates and insurance density. Attempts should be made to reduce the protection gap by introducing and popularising microinsurance products. Aim: The research aims to establish whether there exists a need for microinsurance products in Poland and whether there are conditions for its development, which groups it should target and what methods and institutions can reduce the protection gap. Results: Data analysis demonstrated that in Poland the lowest use of insurance coverage to manage risk occurs in the lowest income households, comprising groups of people with relatively low education: disability pensioners, farmers and workers. This results in lack of or limited access to insurance. Looking for a way to counteract this phenomenon, I suggest introducing and popularising microinsurance products targeting towards the above-mentioned groups. However, the use of remote microinsurance distribution channels may prove highly ineffective. Considering the above and the lack of trust in entities operating in the insurance market, it is recommended to create a legal environment enabling the inclusion of institutions and organisations acceptable to and enjoying the trust of these circles in processes involving marketing, distribution and, partially, the servicing of microinsurance. These players should consist of civic organisations, such as volunteer fire brigades, rural housewives’ clubs, activist organisations from religious communities, as well as those set up for mutual protection, e.g., relief and loan funds and savings and loan funds. A separate group targeted by microinsurance should consist of people who are young, open to new trends and interested in obtaining insurance coverage for a limited time, e.g., for the short period when they use a means of personal transport or other rented equipment, for which coverage can be obtained and paid for quickly and without undue formalities.

PENGARUH KREDIT SIMPAN PINJAM DAN LIKUIDITAS TERHADAP SISA HASIL USAHA PADA KOPERASI SIMPAN PINJAM BALI SINAR PANDAWA

The purpose of this study was to determine the effect of savings and credit loans and current ratio on the Time Result Operational Results (SHU) partially and simultaneously at the Bali Sinar Pandawa Cooperative, Sukawati Gianyar-Bali. The sampling method used in this study is saturated sampling. The number of samples in this study is 7 years of research data on credit loans, current ratio and Time Result Results (SHU). Data analysis techniques used include: Classic assumption test, multiple linear regression analysis, coefficient of determination analysis (adjusted R2), t test and F test and the data is processed using SPSS version 25.0 for windows. The results of the analysis show that savings and loan loans and the current ratio have a significant effect simultaneously on the Time Result Operating Results (SHU). Savings and loan variable and current ratio have a positive and partially significant effect on the Time Result Operating Results (SHU).

Kebijakan Pemberian Program Simpan Pinjaman Mempengaruhi Peningkatan Kinerja Karyawan dan Anak Perusahaan Koperasi Astra

Cooperatives aim to promote the welfare of members in particular and society in general and to participate in building the national economic order in order to create an advanced, just and prosperous society based on pancasila. This study aims to determine the description of the policy of providing savings and loan programs affecting the performance of employees and subsidiaries in the astra cooperative. The method in this research is qualitative descriptive, the data source used is secondary data through online media https://www.koperasi-astra.com/. The results of the research show that a company can become big and last a long time with a strong core value. Every employee in the astra cooperative upholds the values ​​that must be maintained, including: passionate, respect, open mind, sinergy, and performance. By having 5 policies such as 1) savings and loan credit program policy, 2) loan program policy, 3) allowance for term deposits, 4) csr program, 5) scholarship program. From the policy program, it is certainly in accordance with the core values ​​of the astra cooperative Keywords: policy, savings and loan and performance

The development and implementation of an android-based saving and loan cooperative application

The savings and loans cooperative are a cooperative that has an important purpose in its reach and services, such as the Permata Ngijo Savings and Loans Cooperative. Activities within the cooperative itself include managing member data as well as savings and loan transactions. In systems that are still manual, such as Microsoft Excel, there is a risk of inaccurate data and takes a long time. This manual system is still less effective because the number of members and transactions continues to grow. Therefore, an application is needed as a more effective data processing and information system for members that is easier to access. This study aims to build an android-based savings and loan application using the hypertext preprocessor (PHP) programming language and my structured query language (MySQL) as data storage. Based on the android application that has been made, it shows that the black box functionality of the application runs as planned, the success rate for users reaches 90%.

Pendampingan Manajemen Dan Administrasi Keuangan Pada Koperasi Wanita Arwana Kota Bengkulu

The Women's Cooperative "Arwana" which is a legal entity No.: 99/BH/DK PPKM/KEP/IX.4/2008 is a savings and loan cooperative having its address at Jl. Wren Rt. 17/Rw.06 Cempaka Permai Village, Gading Cempaka District, Bengkulu City. This cooperative was established by notarial deed SK. Minister of Law and Human Rights of the Republic of Indonesia Number: C-226.HT.03.01. July 5, 2006 and started operating in 2008. In 2019 this cooperative began to turn into a sharia-based cooperative. This community service activity aims to provide understanding assistance to administrators and members in terms of management as an effort towards better management from conventional to Sharia. So it is hoped that later the management and members of the cooperative in carrying out their duties and responsibilities in accordance with the principles and rules of management can become a financing system in accordance with the sharia concept. This community service is carried out with lectures on the principles of cooperative management. The output of this community service activity is that the management and members of the cooperative, especially in the savings and loan business, are able to know and understand and implement financing business activities with a management system according to SAK ETAP as a step towards developing a financing business that is still using the conventional system to be more ready to use the system. Sharia. The output of this community service is in the form of a scientific journal that will be published.

Introduction

While we tend to think of entrepreneurs only as individuals or groups who create “firms”—that is, organizations whose primary goal is to create wealth—social scientists who study organizational emergence and entrepreneurship have been using the word “entrepreneur” to describe a broad range of organizational founders, from those starting schools and hospitals to those founding savings and loan associations and art museums. But consistently these scholars leave churches out of their examinations of entrepreneurial orientations and actions. This book is an attempt to disrupt this impulse by shining a light on a unique, but not insubstantial, set of organizational founders: individuals who start new churches. This chapter introduces three questions: (1) Are church founders “entrepreneurs”? (2) What motivates religion entrepreneurship in a crowded and competitive field trying to appeal to an increasingly anti-institutional-religion customer base? (3) What factors reduce these entrepreneurs’ uncertainty and fear of failure?

Measurement and Comparison of Efficiency of Saving and Loan Cooperatives in Jakarta, Indonesia, through the Stochastic Frontier Analysis

Savings and loan cooperatives play an important role in the Indonesian economy as they also contribute to providing capital in the local market. This study examines the efficiency of savings and loan cooperatives in terms of number of members, total capital and operating costs and their effects on profits, total assets, disbursed loans and debt repayments. Two types of savings and loan cooperatives studied are savings and loan cooperatives owned by government employees and savings and loan cooperatives owned by the general public (community owned). The efficiency of these two types of cooperatives is studied separately and comparatively using the parametric Stochastic Frontier Analysis (SFA) method. and the research involved a total of 22 cooperatives from five areas in Jakarta. The results of the study used the SFA method and found that the average efficiency of community-owned cooperatives was greater than cooperatives owned by government employees. Received: 9 May 2021 / Accepted: 5 August 2021 / Published: 5 November 2021

The Effect of Savings and Loan Cooperative Credit on Increasing Income of Damai Savings and Loan Cooperative (KSP) Members, Gangga District, North Lombok Regency

The Damai Savings and Loan Cooperative (KSP) is one of the savings and loan cooperatives in the North Lombok district. The main activities of savings and loan cooperatives are providing loans to members with an interest of 2% of the remaining principal of the loan, recording of financial receipts and expenditures has been carried out properly. Every financial receipt and expenditure has been proven and recorded in cash out and in. The Damai Savings and Loans Cooperative (KSP) is a cooperative that lends money to civil servants (PNS) and is returned by deducting employee salaries through a salary kit. This study aims to determine the effect of credit savings and loan cooperatives on increasing the income of members of the Damai savings and loan cooperative (KSP) in Gangga sub-district, North Lombok district. This research is a quantitative research. The variables of this research are savings and loan credit and the income of members of savings and loan cooperatives. The data source used in this study is the primary data source. The data collection technique used consisted of observation, interviews / interviews, documentation, literature study, questionnaires. The population in this study amounted to 267 people. And the sample in this study amounted to 50 people.

Social ties, access to loans, and loan repayments in savings and loan associations: evidence from rural Tanzania

PurposeInstitutional structures of rural savings and loan associations influence their performances. One of the guiding principles for defining clear group membership boundaries is by setting rules on who has access. Social ties is a prominent requirement for membership. The objective of the current study is to provide quantitative evidence on the role of social ties membership criteria for the performance of saving and loan associations.Design/methodology/approachA cross-sectional survey was conducted in July–August 2019 comprising 48 associations in 13 villages in the Iringa District of Tanzania. In the current study, the authors use two indicators to measure the social ties between members, namely social closed association (the association applies criteria to accept only members who are relatives, friends or from the same hamlet) and physical distance (the fraction of members from other villages).FindingsThe authors find that associations are diverse both in terms of social ties, physical distance and performance, even in a small homogeneous region like Iringa District. Providing loans more easily to members with social ties has a negative relationship with loan repayment rates. Associations applying the social closeness criteria experience higher default rates than those not applying. The default rates become even worse when the fraction of member members from other villages increases in the socially tied associations.Practical implicationsPhysically distant members are more likely to default as they perceive less social pressure in an association with socially tied members. Development practitioners and policy makers should integrate the potential implications.Originality/valueThe authors provide empirical evidence on the relevance of social ties on credit access and repayment in savings and loan associations, using a novel multi-level data on financial performance in the context of community-based finance organizations in rural areas.