Abstract:Technology is an applied science that encompasses a set of tools, systems, methods, and skills used by humans to solve problems and make work easier. The word comes from the Greek 'techne' (art, craft, skill) and 'logos'…
(science). Some examples of technology vary from simple tools such as prehistoric axes to complex systems such as the internet, which enable humans to innovate and improve the quality of life. The method used in this study is library research, which collects and analyzes various related literature to explore the concept of technology, and the integration model in the implementation of KDKMP technical guidance in Gorontalo, as well as the role of the cooperative office and facilitators in its implementation. The findings indicate that the management and implementation of KKDMP Technical Guidance runs smoothly and with quality thanks to the use of technology. In addition, cooperative facilitators who pass the 2025 test from the Ministry of Cooperatives are expected to be able to implement practices in accordance with the implementation journal and applicable regulations effectively. The Red and White Cooperative is a government program to establish village/sub-district-based economic institutions that aim to improve the welfare and independence of the community through the principles of mutual cooperation and kinship. This cooperative functions as a joint forum for carrying out various local economic efforts, such as providing basic necessities, savings and loan services, and strengthening MSMEs, so as to encourage food security and shorten the supply chain. The Red and White Cooperative Program (Kopdes Merah Putih) is a national initiative to establish cooperatives in every village and sub-district to strengthen the local economy and improve community welfare through the principles of mutual cooperation.
Abstract:This study is motivated by the intensifying competition in Indonesia's banking industry amid digital transformation and growing global economic mobility. In such a context, product innovation becomes a crucial strategy to…
o strengthen a bank's competitive position. PT Bank Woori Saudara Indonesia 1906 Tbk introduced the WiGo Savings product, specifically designed for South Korean citizens who plan to live or work in Indonesia through a pre-account opening scheme. This research aims to analyze the role of WiGo Savings in enhancing the bank's competitiveness, particularly in terms of product differentiation and the potential strengthening of low-cost funds (CASA). The study employs a qualitative descriptive approach with a case study method, using literature review and secondary data analysis from bank reports, media publications, and academic references related to banking innovation. The findings indicate that the pre-arrival account opening mechanism reduces administrative barriers, accelerates service activation, and creates early customer engagement. The product also shows the potential to increase CASA composition, leading to lower cost of funds and greater flexibility in credit pricing. Furthermore, WiGo enhances product differentiation and institutional branding as a bank responsive to cross-border transaction needs. However, its effectiveness depends on successful market education, cross-jurisdiction regulatory compliance, and technological system integration.
Abstract:Improving Financial Literacy and Management Skills of Fisherman Groups Through Practical Accounting Education (Case Study: Seri Village, Ambon City) This community service program (PkM) aims to empower the fisherman groups…
oups in Seri Village, Ambon City, by enhancing their basic financial literacy and management skills using a practical accounting education approach. Weak financial management skills, especially in managing the fluctuating catch yields and income, are often the main obstacle to achieving economic stability and growth in the fisheries sector.
The implementation method utilized was participatory and application-based training and mentoring, tailored to the income and expenditure patterns of the fishing community. The program involved a series of workshops that simplified basic accounting concepts, such as transaction recording. The effectiveness of the program was measured by comparing the results of a pre-test and post-test to gauge the increase in knowledge, as well as through observation and questionnaires to assess changes in financial management behavior.
The results showed a significant increase in the understanding of financial management concepts among the Seri Village fishermen, evidenced by the improvement in the average post-test scores. Post-training mentoring also demonstrated positive changes in financial management practices, including the ability to set aside savings for boat/gear maintenance and the ability to control daily debt.
In conclusion, practical accounting education is an effective and crucial instrument in community empowerment programs, particularly for the fishing sector. This PkM successfully equipped the fishermen with practical tools to make better and more planned financial decisions, directly contributing to the improvement of economic independence and the well-being of the fishing families.
Abstract:This study examines the readiness of accountants in implementing the Financial Accounting Standards for Private Entities (SAK EP) at the Ponuwa Cooperative of Gorontalo State University using a descriptive qualitative approach…
proach through in-depth interviews, observation, and documentation. The results show that the cooperative is administratively ready to prepare financial statements in the form of Business Income (PHU), capital change reports, and balance sheets in accordance with the SAK EP, which is mandatory under Permenkop UKM No. 2 of 2024. Accountants have accounting competencies and practical experience, supported by local IT systems and Excel, as well as internal supervision from supervisory bodies and university facilities. The main obstacles include uncollectible receivables due to double borrowing by members and a tax system based on the previous year's PHU. Overall, the implementation of SAK EP has effectively improved the transparency and accountability of small savings and loan cooperative financial management.
Abstract:Pejengkolan farmer group is not only a community for exchanging ideas and experiences, but also has various businesses in the form of goat and cattle farming with a profit-sharing system, plant breeding and sales, and savings…
vings and loans. Having very good economic potential, however, the Pejengkolan village farmer group still has several obstacles and problems. One of the problems is in terms of management and management of financial reports of the Pe-jengkolan village farmer group. This Community Service aims to provide training in the Ireap application to support the sales management system and financial reporting in the Pejengkolan village farmer group. This Community Service method uses a service learning approach that has three stages, namely the preparation, service and reflection stages. The results of this community service are the level of understanding of partners in utilizing application technology increases, more efficient data search time and a better level of accuracy of sales data reports. Search times are more efficient and the level of accuracy of sales data reports is better.
Keywords: implementation; Ireap; management.
Abstrak: Kelompok tani Pejengkolan tidak hanya sebagai komunitas untuk bertukar pikiran dan pengalaman saja, namun memiliki berbagai usaha berupa peternakkan kambing dan sapi dengan sistem bagi hasil, pembibitan dan penjualan tanaman, serta simpan pinjam. Memiliki potensi ekonomi sangat bagus akan tetapi kelompok tani desa Pejengkolan masih memiliki beberapa kendala dan permasalahan. Salah satu permaslahannya yaitu dalam hal manajemen dan pengelolaan laporan keuangan kelompok tani desa Pejengkolan. Pengabdian Masyarakat ini bertujuan memberikan pelatihan aplikasi Ireap untuk menunjang sistem manajemen penjualan dan pelaporan keuangan pada kelompok tani desa Pejengkolan. Metode pengabdian Masyarakat ini menggunakan pendekatan service learning yang memiliki tiga tahapan yaitu tahap persiapan, layanan dan refleksi. Hasil dari pengabdian masyarakat ini adalah tingkat pemahaman mitra dalam memanfaatkan teknologi aplikasi meningkat, waktu pencarian data yang lebih efisien dan tingkat akurasi Laporan data penjualan lebih baik.
Kata kunci: implementasi;ireap; manajemen.
Abstract:Abstract: Based on observations and analysis of the current information system and website of the Unilak waste bank, it can be concluded that it is necessary to develop the software and information management system of this…
his waste bank. The application does not yet support the transaction needs at the waste bank. Although there are features, they don’t run as they should. This was also complained about by the director and staff of the Unilak waste bank. Therefore, this study was conducted to design a waste bank transaction management information system and software that will support its business processes, starting from calculating waste prices, managing customer savings to final reports. The research method used is qualitative, using information system analysis techniques and websites that are currently running at the Unilak waste bank. While for the SDLC (software development life cycle) development method, the XP Agile Methodologies cycle is used which is simpler and can be completed in a short time. There are 4 stages, namely Planning (requirements), design, implementation and testing. This study resulted in a customer transaction system design and software development that can help manage customer transaction activities at the Unilak waste bank.
Keywords: costumer; savings; software engineering; waste bank.
Abstrak: Berdasarkan observasi dan analisis terhadap sistem informasi dan website bank sampah Unilak yang berjalan saat ini, dapat disimpulkan bahwa perlu dilakukan pengembangan terhadap perangkat lunak maupun sistem informasinya. Aplikasi belum mendukung kebutuhan transaksi di bank sampah. Meskipun ada fitur-fiturnya, namun tidak berjalan sebagaimana mestinya. Hal ini juga dikeluhkan oleh direktur dan pengelola bank sampah Unilak. Maka penelitian ini dilaksanakan untuk merancang sistem informasi transaksi nasabah bank sampah dan perangkat lunak yang akan mendukung proses bisnisnya, yaitu mulai dari perhitungan harga sampah, pengelolaan tabungan nasabah hingga laporan akhir. Metode penelitian yang digunakan adalah kualitatif, menggunakan teknik analisis sistem informasi dan website yang sedang berjalan di bank sampah Unilak. Sedangkan untuk metode pengembangan SDLC (software development life cycle) menggunakan siklus XP Agile Methodologies yang lebih sederhana dan bisa diselesaikan dalam waktu singkat. Terdapat 4 tahap yaitu planning (requirements), analys, design, dan implementation. Penelitian ini menghasilkan rancangan sistem transaksi nasabah dan pengembangan perangkat lunak yang dapat membantu pengelolaan aktivitas transaksi nasabah di bank sampah Unilak.
Kata kunci: bank sampah; nasabah; rekayasa perangkat lunak; tabungan.