{"id":4040,"date":"2025-09-04T10:38:01","date_gmt":"2025-09-04T10:38:01","guid":{"rendered":"https:\/\/zonaedu.id\/?p=4040"},"modified":"2025-09-04T11:47:04","modified_gmt":"2025-09-04T11:47:04","slug":"dorong-pertumbuhan-umkm-dengan-konsep-tamyiz-financial-literacy-ahmad-salim-raih-gelar-doktor-di-pdim-unissula-2","status":"publish","type":"post","link":"https:\/\/zonaedu.id\/index.php\/2025\/09\/04\/dorong-pertumbuhan-umkm-dengan-konsep-tamyiz-financial-literacy-ahmad-salim-raih-gelar-doktor-di-pdim-unissula-2\/","title":{"rendered":"Dorong Pertumbuhan UMKM dengan Konsep Tamyiz Financial Literacy, Ahmad Salim Raih Gelar Doktor di PDIM Unissula"},"content":{"rendered":"<p>Dosen Fakultas Ekonomi dan Bisnis\u00a0<a href=\"http:\/\/unissula.ac.id\">Unissula<\/a>, Dr. H. Ahmad Salim, S.E., M.Ak., MH., Ak., CRP.\u00a0mengikuti Ujian Tertutup Disertasi di Program Doktor Ilmu Manajemen\u00a0<a href=\"http:\/\/unissula.ac.id\">Unissula<\/a>\u00a0pada Kamis (4\/9\/2025). Ia mempresentasikan disertasinya yang berjudu<em>l\u00a0<strong>Enhancing Performance of Non-Agricultural SMEs through Tamyiz Financial Literacy: Exploring the Role of Shariah External Financing as a Mediator.<\/strong><\/em><\/p>\n<p>Menurut Ahmad Salim Usaha Mikro Kecil dan Menengah (UMKM) memiliki peran penting dan strategis dalam pembangunan ekonomi nasional. Keunggulan utama UMKM terletak pada kemampuannya menyerap tenaga kerja dan imunitasnya terhadap krisis ekonomi. UMKM juga menjadi pilar ekonomi di negara berkembang. Mampu menyerap banyak tenaga kerja. Juga relatif tahan terhadap krisis.<\/p>\n<p>Namun demikian, menurut data BPS Jawa Tengah kinerja UMKM mengalami penurunan.\u00a0 Salah satu hambatan terbesar bagi pertumbuhan UMKM adalah kurangnya akses ke modal dan sumber dana eksternal. Keterbatasan ini seringkali disebabkan oleh rendahnya pengetahuan atau literasi keuangan .<\/p>\n<p>Menurutnya kesulitan mendapatkan dana eksternal menghambat pertumbuhan dan stabilitas usaha. \u00a0Sementara itu kurangnya kemampuan dan pengetahuan keuangan membuat UMKM sulit memenuhi syarat pengajuan kredit dan pengetahuan keuangan yang rendah berdampak pada efektivitas pengambilan keputusan, mulai dari pengajuan kredit hingga pengelolaan dana.<\/p>\n<p>Oleh karena itu ia membuat penelitian yang bertujuan mengeksplorasi sebuah konsep baru yaitu\u00a0<em>Tamyiz Financial Literacy<\/em>, untuk mengisi kesenjangan penelitian dan menawarkan solusi atas inkonsistensi pengaruh literasi keuangan terhadap kinerja dengan memasukkan nilai religius.<\/p>\n<p><em>Tamyiz<\/em>\u00a0adalah istilah Arab yang merujuk pada kemampuan untuk membedakan antara yang baik dan buruk, halal dan haram. Dalam konteks bisnis, tamyiz adalah syarat penting agar sebuah transaksi sah menurut syariat Islam. Hal itu dilakukan dengan memastikan pelaku bisnis cakap hukum dan memahami konsekuensi tindakannya.<\/p>\n<p>Konsep baru\u00a0<em>Tamyiz Financial Literacy<\/em>\u00a0dibentuk dengan mengintegrasikan dimensi\u00a0<em>Tamyiz<\/em>\u00a0(pembeda, selektif, dan beretika) ke dalam dimensi\u00a0<em>Financial Literacy<\/em>\u00a0(sikap, keterampilan, perilaku, dan pengetahuan), yang melahirkan 4 (empat) dimensi baru berupa\u00a0<em>Different financial Attitude, Different Financial Skill, Ethical Financial Behavior, and Selected Financial Knowledge<\/em>.<\/p>\n<p>Selain menghasilkan sebuah\u00a0<em>novelty<\/em>\u00a0berupa konsep\u00a0<em>Tamyiz Financial Literacy<\/em>\u00a0yang memperkaya\u00a0<em>Resource Based Theory<\/em>\u00a0dengan mengintegrasikan nilai-nilai syariah (<em>Tamyiz<\/em>), penelitiannya juga mengkonfirmasi bahwa setiap dimensi\u00a0<em>Tamyiz Financial Literacy<\/em>\u00a0merupakan pendorong penting bagi pertumbuhan usaha yang diukur dari niat menambah karyawan, peningkatan penjualan, peningkatan aset, serta pembayaran zakat, infaq, dan sedekah. Oleh karenanya pelaku UMKM perlu mengadopsi konsep\u00a0<em>Tamyiz Financial Literacy<\/em>, untuk meningkatkan kinerja usahanya.<\/p>\n<p>Para penguji antara lain, Prof. Dr. Ibnu Khajar S.E., M.Si., Prof. Drs. Widiyanto, M.Si., Ph.D., Dr. Anna Widiastuti, S.E. M.Si., Prof. Dr. Widodo, S.E., M.Si., Ph.D., Prof., Dr. Heru Sulistyo, S.E., M.Si., Prof. Dr. Indri Kartika, S.E., M.Si., Akt., dan Dr. Dedi Rusdi, S.E., M.Si., Akt., CA. Ahmad Salim berhasil lulus dalam ujian tersebut dengan predikat cumlaude.s<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dosen Fakultas Ekonomi dan Bisnis\u00a0Unissula, Dr. H. Ahmad Salim, S.E., M.Ak., MH., <a class=\"read-more\" href=\"https:\/\/zonaedu.id\/index.php\/2025\/09\/04\/dorong-pertumbuhan-umkm-dengan-konsep-tamyiz-financial-literacy-ahmad-salim-raih-gelar-doktor-di-pdim-unissula-2\/\" title=\"Dorong Pertumbuhan UMKM dengan Konsep Tamyiz Financial Literacy, Ahmad Salim Raih Gelar Doktor di PDIM Unissula\" itemprop=\"url\"><\/a><\/p>\n","protected":false},"author":2,"featured_media":4041,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"kia_subtitle":"","footnotes":""},"categories":[13,2,9,4,3],"tags":[],"newstopic":[],"class_list":{"0":"post-4040","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-berita","8":"category-jawa-tengah","9":"category-kampus","10":"category-nasional","11":"category-semarang"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dorong Pertumbuhan UMKM dengan Konsep Tamyiz Financial Literacy, Ahmad Salim Raih Gelar Doktor di PDIM Unissula - ZonaEdu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/zonaedu.id\/index.php\/2025\/09\/04\/dorong-pertumbuhan-umkm-dengan-konsep-tamyiz-financial-literacy-ahmad-salim-raih-gelar-doktor-di-pdim-unissula-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dorong Pertumbuhan UMKM dengan Konsep Tamyiz Financial Literacy, Ahmad Salim Raih Gelar Doktor di PDIM Unissula - ZonaEdu\" \/>\n<meta property=\"og:description\" content=\"Dosen Fakultas Ekonomi dan Bisnis\u00a0Unissula, Dr. H. 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