Training of Trainers for Women Entrepreneurs SMEs and Islamic Financial Literacy

 

Indonesian data shows, the amount of labor absorbed by SMEs amounted 107.6 million or 97.6% of total employment in Indonesia with 56.5 million units. Percentage of women business owners from 56.5 million is about 22% with 30,000 women entrepreneurs. But the percentage of women running their own business tend to decline. The crucial problem is in lack of low education, business knowledge and capital access.
 
One solution that can be developed is the provision of financial management simple effort on women entrepreneurs and helping access to capital. This is done as a first step to improve the managerial business. One of the efforts made ​​by author and the Students of Islamic Economics FoSSEI in west java Indonesia with the cooperation of the various stake holders.

Everywhere in developing economic countries more women to become a housewife when her husband's income under welfare. The number of women in Indonesia reached 118, 1 million is the potential of women entrepreneurs also empower other women. Women entrepreneurs dont like employe.

women entrepreneurs are not like an employee, She can work at home with free time, to perform its role as a housewife and have income.

Founder IEEdu

Ade Suyitno (Adeino)

Pendiri Indonesian Creative Youth (ICY)
dan Sekolah Alam Kreatif (Creative Nature School) Bandung

adesuyitno@gmail.com

FB : Ade Suyitno Adeno. TWTR : @adeno.

Ade Suyitno (Adeino) was born on 16th of January 1991 in Indramayu, Indonesia. In Indonesia, he is well known as a youth leader and researcher,  trainer,  and consultant of SMEs. He started his social activism since he was 12 by establishing a free course for kids and help sell of fruit harvest neighbors to school in Indramayu, West Java. In 2010, he founded a community that concerns on creative writing and youth  leadership development for social change in Economics Facluty of Indonesia University of Education. The passage of time the community in faculty became non goverment organization  (NGO) with name Indonesia Creative Youth (ICY), the best program ICY is Indonesia Creative Write and Nach Student School (www.indonesiamudamenulis.blogspot.com). Under his leadership as the President, the organization has been delivering numerous capacity building programs, cretive community development in cisarua-cimahi city, and entrepreneurship training on youth.  

He is also CEO of Islamic Entrepreneurship Education (IEEdu), an online platform that research, entrepreneurship model and business consultan for SMEs. Then IEEdu shared of  inspiring stories moeslim business from Indonesians around and International. He have 5 research about Islamic Entrepreneurship and the finallist researcher in MTQ Nation Competition in Padang 2012.

He have good academic record and achievement, not only in academic in Indonesia University of Education  but also in extracurricular myinterests talent in entrepreneurship, leadership and research. The best Academic awards from  west java governor on cooperative research and the winner in 13th contest of national research and writing in various regions/university UNS, UNJA, UNISMUH, UIN SUSKA, UNLAM, UNP, UNANDALAS etc. Experience in business he founded a local business in handycraft and creative product the name is N4SR Bandung Creative Product.

He ever joined several international events and conferences in South Korea, Taiwan, Rusia, and  Malaysia, which gives him adaptability skill in multi-cultural and international atmosphere. It also helps him to increase my ability on communication fluency and friendship. He also join and lead of departement in several organizational concern in research, entrepreneurship and islamic economics studies that is FoSSEI, IMAPESI, SCIEmics, KOPMA UPI, LEPPIM and Mahapropesi. Organization activities which increase my leadership skill, such as; managing work, adaptability, decision making, and initiating action.

Ade Suyitno (Adeino) lahir pada 16 Januari 1991 di Indramayu, Indonesia. Di Indonesia, ia dikenal sebagai tokoh pemuda dan peneliti, pelatih, dan konsultan UKM. Dia mulai aktivisme sosial sejak ia berusia 12 dengan mendirikan kursus gratis bagi anak-anak dan membantu menjual panen buah tetangganya untuk di jual di sekolahnya di Indramayu, Jawa Barat. Pada tahun 2010, ia mendirikan sebuah komunitas yang fokus tentang penulisan kreatif dan pengembangan kepemimpinan pemuda untuk perubahan sosial di fakultas ekonomi di Universitas Pendidikan Indonesia. Berlalunya waktu komunitas ini menjadi organisasi non pemerintah (NGO) dengan nama Indonesia Youth Kreatif (ICY), program terbaik ICY adalah Indonesia Tulis Kreatif dan Siswa Sekolah Nach (www.indonesiamudamenulis.blogspot.com). Di bawah kepemimpinannya sebagai Presiden, organisasi telah memberikan berbagai program pengembangan kapasitas, pengembangan masyarakat di kota Cisarua-cimahi, dan pelatihan kewirausahaan pada pemuda.

Ia juga CEO Pendidikan Kewirausahaan Islam (IEEdu), sebuah platform online yang penelitian, Model kewirausahaan dan consultan bisnis bagi UKM. Kemudian IEEdu berbagi inspirasi dari cerita bisnis Moeslim dari Indonesia sekitar dan Internasional. Ia telah melakukan 5 penelitian kewirausahaan islam dan menjadi finalis dalam MTQ Nasional DIKTI 2012 di Padang.

Dia memiliki catatan yang baik akademik dan prestasi, tidak hanya di bidang akademik di Universitas Pendidikan Indonesia, tetapi juga di ekstrakurikuler minat bakat dalam kewirausahaan, kepemimpinan dan penelitian. Penghargaan Akademik terbaik dari gubernur Jawa Barat pada penelitian Koperasi dan pemenang dalam kontes 13 penelitian nasional dan menulis di berbagai daerah / universitas UNS, Unja, Unismuh, UIN SUSKA, UNLAM, UNP, UNANDALAS dll. Pengalaman dalam bisnis ia mendirikan sebuah bisnis lokal pada handycraft dan kreatif produk dengan nama bisnis N4SR.

Ia pernah bergabung dengan beberapa acara dan konferensi internasional di Korea Selatan, Taiwan, Rusia, dan Malaysia, yang memberinya keterampilan adaptasi dalam multi-budaya dan suasana internasional. Hal ini juga membantu dia untuk meningkatkan kemampuan pada komunikasi kelancaran dan persahabatan internasional. Ia juga bergabung beberapa keprihatinan organisasi dalam penelitian, kewirausahaan dan ekonomi Islam studi yang FoSSEI, IMAPESI, SCIEmics, KOPMA UPI, LEPPIM dan Mahapropesi. Kegiatan organisasi yang meningkatkan kemampuan kepemimpinan saya, seperti; mengelola pekerjaan, kemampuan beradaptasi, pengambilan keputusan, dan melakukan tindakan.

Source CV : http://berita.upi.edu/?s=Ade+Suyitno&x=0&y=0

PERSONAL DATA

	Identitas
Nama	:  Ade Suyitno (Adeino)
Motto	:  Cerminan Masa depan adalah Masa Sekarang
Plan Karir	:  Dosen dan Wirausaha Sosial
Mobile	:  085659932860
Hobbies	:  Reading, Traveling and Writing
E-Mail	:  adesuyitno@gmail.com
Facebook	:  Adeno Ade Suyitno
Blogsite	:  Ade-suyitno.blogspot.com

ACHIEVMENT

No	Jenis Penghargaan
1.	Presenter Paper WCD Program dalam Konferensi Internasional ADIC 2013, ASA University of Malaya, KL-Malaysia
2.	First Author Indonesian Young Sociopreneurs on CISAK Internasional Conferences Daejeon South Korea. 2013
3.	Kunjungan Mahasiswa di Singapur, 2013
4.	First Author pada Paper NGPVill dalam Konferensi Internasional AISC- Taiwan di Asia University Taichung Taiwan, 2013
5.	Author Entrepreneurship Education Program on International Article PCIM Rusia 2013
6.	TOP 5 Paper Ekonomi Islam di TEMILNAS FOSSEI dan Internasional Conference  of  Islamic Economics 2012 di UIN SUSKA RIAU
7.	Juara I Anugerah Karya Ilmiah Koperasi dalam “Peringatan Hari Koperasi Se Jawa Barat oleh Gubernur Jawa Barat”, 2012
8.	Peringkat 1 Mahasiswa Berprestasi Se-Fakultas Pend Ekonomi dan Bisnis 2012
9.	Peringkat 5 Mahasiswa Berprestasi Tingkat Universitas, 2012
10.	Juara 1  “Lomba Artikel Ilmiah Se-Jabar & DKI Jakarta”DINAMIK UPI, 2012
11.	Peringkat  6  LKTI Nasional UKM EXSIST Universitas Jambi,  2012
12.	Finalis Unggulan  DIKLAT Wirausaha P2K3 & Kementrian Perekonomian, 2012
13.	Juara III After National Writing Competition di Universitas Muhammadiyah Makassar 2012
14	PERINGKAT 4 Karya Ilmiah Ekonomi Islam di UNS SOLO 2012
15.	Juara II Lomba Karya Tulis Nasional “ACTIVE” UNS Solo, 2011
16.	Juara II Lomba Karya Tulis Mahasiswa Pendidikan Ekonomi 2011
17.	Top 5  Mahasiswa Berprestasi Se-Universitas Versi BEM REMA UPI, 2011
18.	Juara I Karya Ilmiah Remaja Kandanghaur Indramayu, 2010

The Green Knowledge Economy

The Green Knowledge Economy

Sustainable development aims to improve the agreement of the present generation without compromising future generations to meet their needs. Integrate the concept of sustainable development aspects - aspects such as economic, social, and environment as a holistic entity. In an effort to realize the concept of sustainable development, the need for integration between Knowledge Economy (Knowledge Economy) and the Green Economy (Green Economy). Merging these two concepts can produce a new paradigm in the form of Green Knowledge Economy (Green Knowledge Economy). The basic concept is to make efforts "greening" the existing economic concept (existing) through product and process innovation with emphasis on equitable welfare (social inclusion), the efficient use of natural resources and environmental pollution treatment. Green Knowledge Eknomoni principles include: maintaining order value, intrinsic value and quality, follow the flow of nature, garbage (waste) into materials for other processes, and the diversity and creativity.

National Seminar  “Menyelamatkan Ekonomi Indonesia dengan Knowledge – Based Economy”

K-Economy Index Indonesia 2012 (The Knowladge Economy)

The World Bank’s Knowledge Assessment Methodology (KAM : www.worldbank.org/kam) is an online interactive tool that produces the Knowledge Economy Index (KEI)–an aggregate index representing a country’s or region’s overall preparedness to compete in the Knowledge Economy (KE). The KEI is based on a simple average of four sub- indexes, which represent the four pillars of the knowledge economy:

1. Economic Incentive and Institutional Regime (EIR)
2. Innovation and Technological Adoption
3. Education and TrainingInformation and 
4. Communications Technologies (ICT) Infrastructure

The EIR comprises incentives that promote the efficient use of existing and new knowledge and the flourishing of entrepreneurship. An efficient innovation system made up of firms, research centers, universities, think tanks, consultants, and other organizations can tap into the growing stock of global knowledge, adapt it to local needs, and create new technological solutions. An educated and appropriately trained population is capable of creating, sharing, and using knowledge. A modern and accessible ICT infrastructure serves to facilitate the effective communication, dissemination, and processing of information.

Each of these pillar, or KEI sub-indexes, is based on three indicators 2that serve as proxies for the performance of that pillar (figure 1). For details, please refer to the KAM Users Guide.

There are 80 full variable used by the World Bank to measure a country's performance in the context of the knowledge economy (called custom scorcard), but is commonly used to look at the relative position of a country is the 14 fundamental variables of the four pillars of the above (called basic scorcard) . All variables and assessment results can be accessed online through the website of the World Bank / KAM. Readers can mengkomparasi one country to another and display the knowledge economy index performance of the country in the form of a bar chart, chart diamond and spider chart. 14 variabe of the four pillars of the knowledge economy 2 variables of which are performance variables and 12 others are variabels knowledge. Performance that variable is the value of average annual GDP Growth and value of the Human Development Index (HDI) of a country.

GDP is one picture that shows the total value of a country's productivity in generating value added of the whole sector and its production factors. GDP picture juxtaposed with a Human Development Index (HDI) or HDI of a country which is represented by three composite indices, namely life expectancy at birth, knowledge and Education, Standards of Living.

Here it is KEI in 2012 the World Bank and Indonesia Being in the order of 108 with the index down 3.11 from the previous year. Complete data Download Here:

Data KEI 2012 World Bank

Islamic Business Women : Khadijah's Entrepreneurship

Islamic Business Women : Khadijah's Entrepreneurship

Khadijah bint Khuwaylid (Arabic: خديجة بنت خويلد)‎ (555 - 619) was the first wife of the Muhammad, an Islamic prophet. Her nickname was Khadijah al-Kubra. She was the daughter of Khuwaylid ibn Asad and Fatimah bint Za'idah. Khadijah is widely known as the first person to convert to Islam. Khadijah was known as "The morher of the mothers of the faithful".

Success story of Khadijah’s business start when post-divorce with her husband. Khadijah devote all attention to raising her children, and building a business that he inherited from his father. With capital acumen and business skills, Khadija was able to make a great effort most business among the Quraysh. Khadijah acting as a successful single parent. His name is very well known in kalagan Quraish as a wealthy businessman woman.

In the next phase of a business trip to investors met with Khadijah Muhammad, a young man who earned the nickname Al-Amin (very trustworthy man) who later helped develop the business. One day, the queen businesses heard about the young man who was very reliable in the Arab world, he was the Prophet Muhammad. Interested in making him their employees, Khadija was called.

"I'm calling you based on what I've heard from people about the words you are honest, you are a reliable integrity, and your noble character. I chose you to handle the affairs of the trade and I'll pay you double what you give to other than your usual, "Khadija said to the Prophet. Nabiyullah Khadijah Muhammad had accepted the offer gladly.

Khadijah was sent the Prophet as the leader of the caravan to the land of Sham. A slave named Khadijah confidence Maysarah also participate in the caravan. In that way, a Jewish monk who is known to have a broad knowledge of religion, Nestora asked Maysarah, who the leader of the caravan that he participated in it.

Maysarah also preach about the reputation of the Prophet, known honest and intelligent. Nestora then say that the person is a prophet sent from God will.

All Maysarah experience in following the Prophet caravan was rumored to Khadijah. Maysarah even said saw two angels carrying a cloud over the head of the prophet to protect him from the scorching sun. Khadijah began personally fascinated with the Prophet. Especially after knowing the results of the trade Al-Amin.

Khadijah business in the greater Sham country, the resulting profit rose sharply. Decision Khadijah chose Muhammad as the right-hand business into the right decision. He also continues to partner with the Prophet in running the business.In the past business success along with Muhammad SAW. Khadijah keen to marry the Prophet. Finally at the age of 40 years while Khadijah Prophet they also married 25-year-old. The age difference does not hamper the marriage. Both of them a happy life.

They both managed to build a business on the basis of fairness and generosity. Once married to Muhammad, Khadija submit all trade matters and financial management to her famous husband intelligent and honest. She also supports her husband to give alms to the poor and help those affected by misfortune.

Property in the hands of Muhammad always grow as much as he sedekahkan. Of course the character and Khadijah decision was part of God's plan for the Great One.

Khadijah even willing to give her fortune to uphold religious preaching God. He is even willing to live in poverty with the Prophet after his money runs out for the sake of propaganda. Khadijah always accompany the Prophet struggle until death claimed his life. Khadijah died in Makkah in the month of Ramadan beginning of the tenth year of Prophethood.   
Entrepreneurship In Islam

The concept of entrepreneur had been taught by the Prophet, long time ago before he became the Prophet. The Prophet started his business when he was 12 years old by buying goods from the market and selling them to other people in order to get profits. Together with his uncle, the Prophet had a business trip to Syria. Islam categorizes entrepreneurship and trade into mu’amalah meaning that the issues are related to horizontal relationship among humans which will be responsibly adjudicated in the afterlife. Mankind is mandated to prosper the earth and lead it to the right directions also to strive in earning and making a living. The Holy Qur’an cited the entrepreneurial spirit in the verses as follow (Ade Suyitno, 2013):

QS.Al-Mulk:15, meaning:
“He it is Who has made the earth subservient to you (i.e. easy for you to walk, to live and to do agriculture on it); so walk in the path thereof and eat of His provision. And to Him will be the Resurrection.”

Islam encourages its people to be an entrepreneur. There are a number of verses or hadiths which encourage Muslims to be an entrepreneur, such as the importance of trading which is stated in a hadith: “Beheld trading by all of, in trading there 9 out of 10 doors that will lead to the welfare.(HR. Ahmad). 

And then, the Prophet had ever been asked by his followers: ”What is the best occupation?”He answered“a people works with his hand in trading and honest.”(HR. Al Bazzar). Therefore, “..Then when the (Jumu’ah) Salât (prayer) is ended, you may disperse through the land, and seek the Bounty of Allâh (by working, etc.), and remember Allâh much: that you may be successful.”
(QS. al-Jumu’ah: 10).

Positive correlation of women and earnings is an clear message of the Holy Quran which is quoted below:

“Men shall have a benefit from what they earn, and women shall have a benefit from what they earn.” (Surah An- Nisa: Ayat 32)

Women companions of the Prophet participated in all these activities with his approval. Today also muslim women entrepreneurs are becoming more important players in entrepreneurial landscape. The muslim community should be recognize this fact that Islamic guidelines set the best rules and boundary for business and economic conducts which is absent in any other system, so they should strive to facilitate women in Islamic education to avail of the opportunities provided by Allah (SWT). If the Islamic guidelines are strictly followed the muslims will insha’ Allah regain the past glory of the Ummah (Ullah Maruf et all, 2013)

Towards the return of the golden period of Islamic civilization must be built from a variety of fields. The decline of Islam in various fields, especially economics in developing countries is an important concern. One solution is in the world of business and entrepreneurship. women have a strategic role in the development of entrepreneurship as a creative, neat and meticulous. Entrepreneurship be a good profession for women because they can work at home and productive than working in the company. Women worked as a support level is not the main obligation. Muslim women are creative, productive and able to run the household duties well be one of generators progress of Islam, especially Muslim women can teach the values ​​of Islam on his entrepreneurship.

References :

Antonio. 2007. Muhammad: Super Leader Super Manager. LM pro-Jakarta

Republika Online. http://republika.co.id/

Suyitno Ade. 2013. Islamic Entrepreneurship Education. PCIM Rusia

Ullah Maruf et all. 2013. Women Entrepreneurship: Islamic Perspective. Special Issue: Islamic Management and Business. Www.iisti.org
Wikipedia