Wednesday, April 1, 2020, Minister of Finance Sri Mulyani Indrawati said that the four sectors most affected by the corona Covid-19 epidemic were households, MSMEs, corporations, and the financial sector. Households will experience a significant decline in terms of consumption because the community is no longer active outside the home so that purchasing power is decreasing and threatened with loss of income because they cannot work to fulfill their basic needs especially for poor and vulnerable families in the informal sector. The micro small and medium business sector (MSME) is under pressure due to not being able to conduct business activities so that the ability to meet credit obligations is disrupted, this increases the bank's Non-Performing Loans (NPL) for MSMEs further worsening economic conditions. At the time of the 1997-1998 crisis where SMEs as economic saviors, now suffered a huge blow because there are restrictions on economic and social activities. (Tempo, 2020). This research is to find out the economic impact in the co-19 pandemic vortex that is happening in the community, especially for MSMEs & small traders and to know how they can take to survive the global crisis that is in front of their eyes? Will they return to being heroes like during the 1997-1998 crisis or will it fall this time.
The patterns of marketing in business have changed rapidly. While in the past, marketing was done solely through direct face-to-face transaction, the current existence of the internet leads to alternative options for commercial activities, including by using a Smartphone or gadget, customers can have transactions via various applications. These applications also offer a variety of products, including apparels, food, household needs as well as tertiary needs. To keep with the pace, business actors also change their marketing patterns. In addition to advertise and sell the products through conventional method, the internet becomes the marketing media for business actors. Nevertheless, not all of them are able to change their marketing pattern, especially SMEs. The factors of low educational background and lack of knowledge of the internet, development, and technology are the reasons. Considering this condition, it is suggested for business actors to change their marketing pattern according to the developments and technological advances in the community in order to survive.
Abstrak. Tujuan pelaksanaan pengabdian ini untuk memperkuat mindset dan jiwa kewirausahaan siswa SMA Muhammadiyah 1 Gresik. Selain itu, beberapa minat dan potensi dikembangkan untuk menghadapi era revolusi industri 4.0. Kegiatan ini dilaksanakan dengan menggunakan metode ceramah dalam pemberian materi berkaitan dengan kewirausahaan di kelas. Dari hasil pengabdian terdapat peningkatan animo dan praktik kewirausahaan siswa. Siswa juga mengalami peningkatan pengetahuan dan kemampuan di bidang wirausaha. Dengan demikian siswa dapat mempraktikan ilmu mereka. Siswa yang tergabung pada kegiatan ini juga menginginkan adanya pemantauan, pembinaan dan pengawasan serta evaluasi dari kegiatan yang dilakukan.Abstract. The purpose of this service is to strengthen the mindset and entrepreneurial spirit of Muhammadiyah 1 Gresik High School students. In addition, some interests and potentials were developed to face the industrial revolution era 4.0. This activity is carried out using the lecture method in providing material related to entrepreneurship in the classroom. From the results of dedication there is an increase in student interest and entrepreneurial practice. Students also experience increased knowledge and abilities in the field of entrepreneurship. Thus students can practice their knowledge.
This study aims to determine the polemic experienced by a number of conventional bank employees, who know and realize that bank interest is usury or who still believe that bank interest is not usury, because they are only employees who work in banking companies and do not practice usury individually. per individual. From the two attitudes of banking employees in responding to the bank interest usury mentioned above, the study will focus on employees who have the attitude that bank interest is usury, while those who have the opposite attitude are clearly not going to take action to resign from their office. After focusing on anti-anti rip banking employees, it was found that them there were several obstacles to resigning, the first obstacle was internal, namely the lack of support from the family, both the nuclear family and the extended family, while the second obstacle was the repayment of employee loans that they enjoyed before knowing. and realize that bank interest is charging interest or usury (riba). Of the two obstacles or resign constraints will lead to further attitudes for a number of these employees. The attitude of a number of employees who have not received family support, some continue to return to work in a professional manner and some work just to abort their obligations or in other words work not seriously because they are not in accordance with their conscience. While the attitudes of a number of employees who are still in debt are more varied in attitude, some of them continue to work as usual while waiting for the right moment to pay off their debts, some are still working even though half-heartedly while trying to find a way out so that their debts can be paid off. and some of them are unanimously determined to leave office immediately or borrow a term in the military world, namely by deserting or leaving work by temporarily leaving the debt unpaid, even though they plan to pay it off at a later date. This study used a qualitative research method, namely the collection of in-depth interview data with former employees and active banking employees. Researchers also conducted focus group discussions / FGDs (Forum Group Discussion) among bank employees who were anti-microbial but still active and former bank employees who had resigned. As a result, there are five attitudes of banking employees in facing the resignation polemic due to bank interest rates in Indonesia. First, employees return to work professionally because they still get salaries from banking companies. Second, employees work only to abort obligations because they are not in accordance with their conscience. Third, employees who are still in debt continue to work professionally while looking for a way to pay off their debts. Fourth, employees who work half-heartedly while looking for ways to pay off loans. Fifth, if their resignation application by leaving debt and willing to pay off in installments is refused by the office, they prefer to leave the company unilaterally or go out of business.
In the PKM program, our partner is the Potential Development of Hendrosari Village, Menganti District, Gresik Regency. The location of this village is close to Benowo District, Surabaya City, East Java Province. This village has the potential to strengthen management in the management of Tourism Villages and the results of products managed by the Village Owned Enterprises. This tourism village is located on village land with an area of around 10 hectares with the potential for nature tourism with the concept of education.Based on the results of interviews and observations there are two problems faced by partners, 1) The lack of optimal management of Village-Owned Enterprises (BUMDEs) that manage Eduwisata. 2) Lack of knowledge and community participation to develop the potential of the village and Lontar Sewu tourism. Some of the things planned by the PKM team are to streghten management BUMDes by holding seminars and workshops to improve the knowledge and abilities of the Hendrosari Village community in general and the BUMDes management in particular. The purpose of this activity is to improve capabilities that have an impact on good business management and increase of capabilities BUMDes management, community and village income.This activity was realized with an approach in the form of making a sustainable cooperation program until the end of PKM, creating a family atmosphere between the two and understanding that the problems experienced were a shared problem so that they could be solved together according to the level of responsibility to achieve the expected benefits, namely increased yields, production and productivity and competitiveness, independence and welfare of the community.
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