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Papers by Supiandi Supiandi

Research paper thumbnail of Assessing performance of Mawar Emas as a mosque-based Islamic financing program

Journal of Enterprise and Development

Purpose — This research aims to assess the performance of the Mawar Emas program since its incept... more Purpose — This research aims to assess the performance of the Mawar Emas program since its inception.Method — This descriptive qualitative research involves several types of respondents such as mosque administrators, Chairperson of the Masyarakat Ekonomi Syariah (MES), MES Secretary, and beneficiaries. Data obtained through in-depth interviews were processed using reduction, display, triangulation and conclusion techniques.Result — Using primary and secondary data and qualitative research techniques, the authors found that the Mawar Emas initiative supported 32 mosques in West Nusa Tenggara, totaling 1,194 prospective debtors. In terms of funding, the Mawar Emas program has a yearly budget of Rp. 1,275,000,000. However, these funds have not been used to their full potential since the program's inception. There was a decrease in funding and absorption of funds in the program's second year. Several aspects of this program must be evaluated, including increased funding, default...

Research paper thumbnail of Factors affecting the high demand for the mawar emas (melawan rentenir berbasis masjid) program in west Nusa Tenggara

International journal of health sciences

High economic growth necessitates a large amount of financial capital. The banking sector frequen... more High economic growth necessitates a large amount of financial capital. The banking sector frequently fails to provide financial assistance to the lower middle class. The Mawar Emas program was created to increase financial inclusion as well as to provide financial assistance to mosque-based small communities. After more than two years, it appears that many mosques and their beneficiaries have already reaped tangible benefits. As a result, the people of West Nusa Tenggara (NTB) are very interested in participating in this program. As a result, it's worth investigating the factors that pique customers' interest in the Mawar Emas program. Interviews were conducted with a variety of parties, including aid providers, managers, and beneficiaries, to conduct a qualitative analysis. In addition, the author obtained several program-related supporting documents. As a result, several factors influence people's interest, including intensive marketing, a lack of interest and guarante...

Research paper thumbnail of Mengukur Nilai Potensi Ekonomi Taman Rekreasi Sengkaling UMM

JISIP (Jurnal Ilmu Sosial dan Pendidikan)

Travel Cost Method adalah suatu cara untuk mengestimasi kerelaan membayar individu pengunjung unt... more Travel Cost Method adalah suatu cara untuk mengestimasi kerelaan membayar individu pengunjung untuk jasa-jasa sumber daya alam dan lingkungan. Valuasi Ekonomi adalah suatu proses mengestimasi nilai moneter dari barang dan jasa yang diberikan oleh suatu tempat atas manfaat yang diberikan. Nilai Ekonomi adalah pengukuran jumlah maksimum individu mengorbankan barang dan jasa untuk memperoleh barang jasa yang lain. Hal itu disebut keinginan membayar (willingness to pay ) terhadap barang dan jasa yang dihasilkan dari sumber daya alam dan lingkungan.Nilai ekonomi Taman Rekreasi Sengkaling sebesar Rp2.113.841.500.000. Dengan nilai akuisisi future value tahun 2022 sebesar Rp359.291.248.095, Taman Rekreasi Sengkaling memiliki nilai potensi lebih besar yaitu sebesar Rp2.113.841.500.000. Maka nilai pembelian Taman Rekreasi Sengkaling oleh pihak Universitas Muhammadiyah Malang dari PT. Bentoel Group di bawah nilai ekonomi atau nilai potensinya.

Research paper thumbnail of Does Temperature Matter? Case Study of International Tourist Arrivals in Indonesia

AS-SABIQUN

Climate is one of several elements that can impact tourist decisions when deciding where to go on... more Climate is one of several elements that can impact tourist decisions when deciding where to go on vacation. The climate of a country can influences the desirability of a trip in either a favorable or bad way. However, few studies look at the impact of temperature on tourist decisions, particularly in Indonesia. The purpose of this research is to demonstrate the impact of temperature on the arrival of foreign tourists in Indonesia. In the period 2017-2019, the authors used panel data from 168 countries of origin of tourists. To ensure that the research findings were consistent, all models were used, including the Ordinary Least Square, Fixed Effect Model, and Random Effect Model. The findings reveal that the temperature of a tourist's home country has a detrimental impact on their arrival in Indonesia. GDP per capita and the population of the nation of origin have a beneficial effect on foreign tourist arrivals as control factors. Distance, on the other hand, has a detrimental im...

Research paper thumbnail of Reducing dependence on moneylenders with Mawar Emas Program

International Journal of Health Sciences (IJHS), Aug 31, 2022

To develop a community, mosques play a variety of crucial roles, including providing social and e... more To develop a community, mosques play a variety of crucial roles, including providing social and economic support. To increase the significance of mosques, a program called Mawar Emas was developed. To help mosque congregations avoid relying on moneylenders, this program offers them training and financial support. The goal of this study is to learn more about the financial plans and programs for Mawar Emas. Through the use of the Atlas.ti program, this study employs a qualitative method. This study discovered that the Mawar Emas program's implementation included contributions from local governments, financial services authorities, bank and non-bank financial organizations, Islamic Economic Community institutions, and mosques. The Mawar Emas program is now creating eight characters. Eight institutions, including banks and non-banks, have expressed interest in sponsoring this program. These include Qardhul Hasan and commercial financing. Only two financial service organizations, nevertheless, distributed money to the general public.

Research paper thumbnail of Role of Social Capital in Reducing the Level of Non-Performing Loans

International journal of health sciences

In various studies, social capital is believed to be the answer to problems related to loan repay... more In various studies, social capital is believed to be the answer to problems related to loan repayment problems. The purpose of this study was to find out the reasons for the successful financing of the Mawar Emas program in reducing NPF numbers in West Nusa Tenggara. The author interviewed MES secretaries, mosque administrators, beneficiaries, NTB Sharia Banks, and academics from several universities using a qualitative descriptive method. To support these data, the authors obtained a two-year payment document for the Mawar Emas program. This study found that Mawar Emas financing does not burden customers because of small dependents, the group leader is responsible for collecting and paying debts to the NTB Sharia Bank, NTB Sharia Bank and the Islamic Economic Community (MES) to train and assist mosques and fund recipients, MES and mosques collaborate to hold bazaars for debtor businesses to increase their profits.

Research paper thumbnail of Calculating the Individual Expenses of Foreign Tourists in West Nusa Tenggara

Jurnal Pariwisata Nusantara (JUWITA)

Purpose: The purpose of this article is to investigate local tourism demand, specifically in West... more Purpose: The purpose of this article is to investigate local tourism demand, specifically in West Nusa Tenggara Province. Unlike other studies that focus on the number of tourists who arrive, this article seeks to delve deeper into individual foreign tourist expenditures in West Nusa Tenggara. Method: Using qualitative research methods and a questionnaire as a tool. This study is involving 50 respondents using a random sampling technique. Result: The author discovers that visitor spending may be divided into various categories, including hotels, food and beverages, souvenirs, travel agencies, and local transportation. In addition, foreign visitors' spending in NTB ranges from IDR 250 thousand to IDR 125 million per trip. The average cost per person in Indonesia is IDR 5 million. The lowest daily spend per person is IDR 9,400, while the highest is IDR 11 million. Contribution: This study provides information on the actual spending of individual foreign tourists considering that t...

Research paper thumbnail of The Role of Women in Gili Balu Ecotourism Development, West Sumbawa Regency

Jurnal Pariwisata Nusantara (JUWITA)

Purpose: The purpose of this study is to identify the role played by women in the growth of ecoto... more Purpose: The purpose of this study is to identify the role played by women in the growth of ecotourism in Gili Balu, West Sumbawa Regency, as well as the barriers to that involvement. Method: This study was carried out in the villages of Poto Tano, Senayan, Tambak Sari, and Kiantar in the West Sumbawa Regency of the West Nusa Tenggara Province. The research used a descriptive qualitative methodology, and the primary data were gathered through observation, documentation, and interviews with 32 female respondents. Secondary data were gathered from journals and other research-related sources. Result: According to this study, women in the Gili Balu region played a negligible part in the creation and use of tourist sites. Women's roles are only limited to carrying out tasks like traditional dancers, lodging providers, chefs, souvenir makers, and advertising. The key challenges that the community, particularly women, must overcome are related to family, culture, religion, capital, kno...

Research paper thumbnail of Manfaat Program Melawan Rentenir Berbasis Masjid (Mawar Emas) terhadap Jama’ah Masjid Jamiatul Khair, Lombok Timur

Jurnal Ilmiah Mandala Education

Dalam mengurangi ketergantungan terhadap rentenir serta meningkatkan peran masjid untuk kemaslaha... more Dalam mengurangi ketergantungan terhadap rentenir serta meningkatkan peran masjid untuk kemaslahatan umat, program Melawan Rentenir Berbasis Masjid (Mawar Emas) diluncurkan. Penelitian ini bertujuan untuk menilai manfaat yang telah dirasakan oleh penerima program Mawar Emas di Masjid Jamiatul Khair, Lombok Timur. Dengan menggunakan analisis kualitatif berdasarkan wawancara, observasi, dan dokumentasi, penulis menemukan bahwa program Mawar Emas setidaknya membantu penerima dana dalam beberapa hal. Pertama, bantuan berupa pendanaan diberikan untuk mengurangi ketergantungan terhadap rentenir. Kedua, pelatihan, dan pendampingan diberikan guna membantu penerima dana dalam mengembangkan usaha yang mereka jalankan. Pelatihan yang diberikan kepada penerima dana berdampak pada manajemen bisnis yang lebih baik sehingga berpengaruh terhadap peningkatan keuntungan. Program Mawar Emas pada Masjid Jamiatul Khair berjalan tanpa ada kendala seperti pembayaran macet atau kegagalan dalam bisnis.

Research paper thumbnail of Perspective of Small Medium Enterprises in West Nusa Tenggara on export plans

Journal of Enterprise and Development

Purpose — The purpose of this study is to investigate how Small Medium Enterprises (SMEs) react t... more Purpose — The purpose of this study is to investigate how Small Medium Enterprises (SMEs) react to their plans to engage in export activities, particularly in the province of West Nusa Tenggara (NTB).Research method — The method used in this research is descriptive quantitative by distributing questionnaires to respondents containing multiple choice and open-ended questions.Result — This study found that the majority of SMEs have been export-oriented. They want to export for a variety of reasons, including expansion of their business network, international market demand, increased company revenues, and availability of suitable raw materials. Lack of extensive overseas markets/networks, lack of understanding of export procedures, and lack of adequate Human Resources seem to be one of the reasons given by SMEs who say NO or do not want to carry out export activities (HR).Significance/contribution/recommendation — In terms of the issues covered, this study differs from others. The majo...

Research paper thumbnail of An Effort to Increase the Role of Halal Tourism: West Nusa Tenggara Islamic Center

Journal of Economics Research and Social Sciences, 2022

Recently, religious tourism has attracted the attention of various parties because of the high in... more Recently, religious tourism has attracted the attention of various parties because of the high interest of Muslim tourists. West Nusa Tenggara (NTB) is one of the provinces that carry religious or halal tourism. It was proven by attaining the halal tourism destination award by the West Nusa Tenggara Islamic Center in 2015. However, the West Nusa Tenggara Islamic Center still lacks development and literacy, especially tourism. Therefore, the motivation of this research is to find alternative strategies that might be used for the development process and increase literacy. By interviewing four respondents, the authors uncovered alternative strategies using SWOT analysis. The five strategies might be beneficial: collaborating with stakeholders, creating new attractions, marketing destinations, improving service quality, and strengthening the destination concept.

Research paper thumbnail of Assessing performance of Mawar Emas as a mosque-based Islamic financing program

Journal of Enterprise and Development

Purpose — This research aims to assess the performance of the Mawar Emas program since its incept... more Purpose — This research aims to assess the performance of the Mawar Emas program since its inception.Method — This descriptive qualitative research involves several types of respondents such as mosque administrators, Chairperson of the Masyarakat Ekonomi Syariah (MES), MES Secretary, and beneficiaries. Data obtained through in-depth interviews were processed using reduction, display, triangulation and conclusion techniques.Result — Using primary and secondary data and qualitative research techniques, the authors found that the Mawar Emas initiative supported 32 mosques in West Nusa Tenggara, totaling 1,194 prospective debtors. In terms of funding, the Mawar Emas program has a yearly budget of Rp. 1,275,000,000. However, these funds have not been used to their full potential since the program's inception. There was a decrease in funding and absorption of funds in the program's second year. Several aspects of this program must be evaluated, including increased funding, default...

Research paper thumbnail of Factors affecting the high demand for the mawar emas (melawan rentenir berbasis masjid) program in west Nusa Tenggara

International journal of health sciences

High economic growth necessitates a large amount of financial capital. The banking sector frequen... more High economic growth necessitates a large amount of financial capital. The banking sector frequently fails to provide financial assistance to the lower middle class. The Mawar Emas program was created to increase financial inclusion as well as to provide financial assistance to mosque-based small communities. After more than two years, it appears that many mosques and their beneficiaries have already reaped tangible benefits. As a result, the people of West Nusa Tenggara (NTB) are very interested in participating in this program. As a result, it's worth investigating the factors that pique customers' interest in the Mawar Emas program. Interviews were conducted with a variety of parties, including aid providers, managers, and beneficiaries, to conduct a qualitative analysis. In addition, the author obtained several program-related supporting documents. As a result, several factors influence people's interest, including intensive marketing, a lack of interest and guarante...

Research paper thumbnail of Mengukur Nilai Potensi Ekonomi Taman Rekreasi Sengkaling UMM

JISIP (Jurnal Ilmu Sosial dan Pendidikan)

Travel Cost Method adalah suatu cara untuk mengestimasi kerelaan membayar individu pengunjung unt... more Travel Cost Method adalah suatu cara untuk mengestimasi kerelaan membayar individu pengunjung untuk jasa-jasa sumber daya alam dan lingkungan. Valuasi Ekonomi adalah suatu proses mengestimasi nilai moneter dari barang dan jasa yang diberikan oleh suatu tempat atas manfaat yang diberikan. Nilai Ekonomi adalah pengukuran jumlah maksimum individu mengorbankan barang dan jasa untuk memperoleh barang jasa yang lain. Hal itu disebut keinginan membayar (willingness to pay ) terhadap barang dan jasa yang dihasilkan dari sumber daya alam dan lingkungan.Nilai ekonomi Taman Rekreasi Sengkaling sebesar Rp2.113.841.500.000. Dengan nilai akuisisi future value tahun 2022 sebesar Rp359.291.248.095, Taman Rekreasi Sengkaling memiliki nilai potensi lebih besar yaitu sebesar Rp2.113.841.500.000. Maka nilai pembelian Taman Rekreasi Sengkaling oleh pihak Universitas Muhammadiyah Malang dari PT. Bentoel Group di bawah nilai ekonomi atau nilai potensinya.

Research paper thumbnail of Does Temperature Matter? Case Study of International Tourist Arrivals in Indonesia

AS-SABIQUN

Climate is one of several elements that can impact tourist decisions when deciding where to go on... more Climate is one of several elements that can impact tourist decisions when deciding where to go on vacation. The climate of a country can influences the desirability of a trip in either a favorable or bad way. However, few studies look at the impact of temperature on tourist decisions, particularly in Indonesia. The purpose of this research is to demonstrate the impact of temperature on the arrival of foreign tourists in Indonesia. In the period 2017-2019, the authors used panel data from 168 countries of origin of tourists. To ensure that the research findings were consistent, all models were used, including the Ordinary Least Square, Fixed Effect Model, and Random Effect Model. The findings reveal that the temperature of a tourist's home country has a detrimental impact on their arrival in Indonesia. GDP per capita and the population of the nation of origin have a beneficial effect on foreign tourist arrivals as control factors. Distance, on the other hand, has a detrimental im...

Research paper thumbnail of Reducing dependence on moneylenders with Mawar Emas Program

International Journal of Health Sciences (IJHS), Aug 31, 2022

To develop a community, mosques play a variety of crucial roles, including providing social and e... more To develop a community, mosques play a variety of crucial roles, including providing social and economic support. To increase the significance of mosques, a program called Mawar Emas was developed. To help mosque congregations avoid relying on moneylenders, this program offers them training and financial support. The goal of this study is to learn more about the financial plans and programs for Mawar Emas. Through the use of the Atlas.ti program, this study employs a qualitative method. This study discovered that the Mawar Emas program's implementation included contributions from local governments, financial services authorities, bank and non-bank financial organizations, Islamic Economic Community institutions, and mosques. The Mawar Emas program is now creating eight characters. Eight institutions, including banks and non-banks, have expressed interest in sponsoring this program. These include Qardhul Hasan and commercial financing. Only two financial service organizations, nevertheless, distributed money to the general public.

Research paper thumbnail of Role of Social Capital in Reducing the Level of Non-Performing Loans

International journal of health sciences

In various studies, social capital is believed to be the answer to problems related to loan repay... more In various studies, social capital is believed to be the answer to problems related to loan repayment problems. The purpose of this study was to find out the reasons for the successful financing of the Mawar Emas program in reducing NPF numbers in West Nusa Tenggara. The author interviewed MES secretaries, mosque administrators, beneficiaries, NTB Sharia Banks, and academics from several universities using a qualitative descriptive method. To support these data, the authors obtained a two-year payment document for the Mawar Emas program. This study found that Mawar Emas financing does not burden customers because of small dependents, the group leader is responsible for collecting and paying debts to the NTB Sharia Bank, NTB Sharia Bank and the Islamic Economic Community (MES) to train and assist mosques and fund recipients, MES and mosques collaborate to hold bazaars for debtor businesses to increase their profits.

Research paper thumbnail of Calculating the Individual Expenses of Foreign Tourists in West Nusa Tenggara

Jurnal Pariwisata Nusantara (JUWITA)

Purpose: The purpose of this article is to investigate local tourism demand, specifically in West... more Purpose: The purpose of this article is to investigate local tourism demand, specifically in West Nusa Tenggara Province. Unlike other studies that focus on the number of tourists who arrive, this article seeks to delve deeper into individual foreign tourist expenditures in West Nusa Tenggara. Method: Using qualitative research methods and a questionnaire as a tool. This study is involving 50 respondents using a random sampling technique. Result: The author discovers that visitor spending may be divided into various categories, including hotels, food and beverages, souvenirs, travel agencies, and local transportation. In addition, foreign visitors' spending in NTB ranges from IDR 250 thousand to IDR 125 million per trip. The average cost per person in Indonesia is IDR 5 million. The lowest daily spend per person is IDR 9,400, while the highest is IDR 11 million. Contribution: This study provides information on the actual spending of individual foreign tourists considering that t...

Research paper thumbnail of The Role of Women in Gili Balu Ecotourism Development, West Sumbawa Regency

Jurnal Pariwisata Nusantara (JUWITA)

Purpose: The purpose of this study is to identify the role played by women in the growth of ecoto... more Purpose: The purpose of this study is to identify the role played by women in the growth of ecotourism in Gili Balu, West Sumbawa Regency, as well as the barriers to that involvement. Method: This study was carried out in the villages of Poto Tano, Senayan, Tambak Sari, and Kiantar in the West Sumbawa Regency of the West Nusa Tenggara Province. The research used a descriptive qualitative methodology, and the primary data were gathered through observation, documentation, and interviews with 32 female respondents. Secondary data were gathered from journals and other research-related sources. Result: According to this study, women in the Gili Balu region played a negligible part in the creation and use of tourist sites. Women's roles are only limited to carrying out tasks like traditional dancers, lodging providers, chefs, souvenir makers, and advertising. The key challenges that the community, particularly women, must overcome are related to family, culture, religion, capital, kno...

Research paper thumbnail of Manfaat Program Melawan Rentenir Berbasis Masjid (Mawar Emas) terhadap Jama’ah Masjid Jamiatul Khair, Lombok Timur

Jurnal Ilmiah Mandala Education

Dalam mengurangi ketergantungan terhadap rentenir serta meningkatkan peran masjid untuk kemaslaha... more Dalam mengurangi ketergantungan terhadap rentenir serta meningkatkan peran masjid untuk kemaslahatan umat, program Melawan Rentenir Berbasis Masjid (Mawar Emas) diluncurkan. Penelitian ini bertujuan untuk menilai manfaat yang telah dirasakan oleh penerima program Mawar Emas di Masjid Jamiatul Khair, Lombok Timur. Dengan menggunakan analisis kualitatif berdasarkan wawancara, observasi, dan dokumentasi, penulis menemukan bahwa program Mawar Emas setidaknya membantu penerima dana dalam beberapa hal. Pertama, bantuan berupa pendanaan diberikan untuk mengurangi ketergantungan terhadap rentenir. Kedua, pelatihan, dan pendampingan diberikan guna membantu penerima dana dalam mengembangkan usaha yang mereka jalankan. Pelatihan yang diberikan kepada penerima dana berdampak pada manajemen bisnis yang lebih baik sehingga berpengaruh terhadap peningkatan keuntungan. Program Mawar Emas pada Masjid Jamiatul Khair berjalan tanpa ada kendala seperti pembayaran macet atau kegagalan dalam bisnis.

Research paper thumbnail of Perspective of Small Medium Enterprises in West Nusa Tenggara on export plans

Journal of Enterprise and Development

Purpose — The purpose of this study is to investigate how Small Medium Enterprises (SMEs) react t... more Purpose — The purpose of this study is to investigate how Small Medium Enterprises (SMEs) react to their plans to engage in export activities, particularly in the province of West Nusa Tenggara (NTB).Research method — The method used in this research is descriptive quantitative by distributing questionnaires to respondents containing multiple choice and open-ended questions.Result — This study found that the majority of SMEs have been export-oriented. They want to export for a variety of reasons, including expansion of their business network, international market demand, increased company revenues, and availability of suitable raw materials. Lack of extensive overseas markets/networks, lack of understanding of export procedures, and lack of adequate Human Resources seem to be one of the reasons given by SMEs who say NO or do not want to carry out export activities (HR).Significance/contribution/recommendation — In terms of the issues covered, this study differs from others. The majo...

Research paper thumbnail of An Effort to Increase the Role of Halal Tourism: West Nusa Tenggara Islamic Center

Journal of Economics Research and Social Sciences, 2022

Recently, religious tourism has attracted the attention of various parties because of the high in... more Recently, religious tourism has attracted the attention of various parties because of the high interest of Muslim tourists. West Nusa Tenggara (NTB) is one of the provinces that carry religious or halal tourism. It was proven by attaining the halal tourism destination award by the West Nusa Tenggara Islamic Center in 2015. However, the West Nusa Tenggara Islamic Center still lacks development and literacy, especially tourism. Therefore, the motivation of this research is to find alternative strategies that might be used for the development process and increase literacy. By interviewing four respondents, the authors uncovered alternative strategies using SWOT analysis. The five strategies might be beneficial: collaborating with stakeholders, creating new attractions, marketing destinations, improving service quality, and strengthening the destination concept.