Abstract:This study aims to analyze the influence of financial literacy on financial behavior and financial management in Micro, Small, and Medium Enterprises (MSMEs) in Pasar Village, Gunungsitoli District. The background of the…
study indicates that MSMEs have a crucial role in the Indonesian economy, but many MSMEs still face challenges in financial management due to a lack of financial literacy. This study used a quantitative approach by distributing questionnaires to 158 MSMEs in the area. The results of the analysis indicate that financial literacy has a positive and significant influence on both financial behavior and financial management of MSMEs. MSMEs with higher levels of financial literacy tend to exhibit healthier financial behaviors, such as the ability to manage expenses, create budgets, and save. Similarly, good financial literacy significantly improves MSMEs' abilities in planning, recording, reporting, and evaluating business finances. Multivariate analysis confirmed that financial literacy simultaneously significantly influences both aspects. The high coefficient of determination (80.7% for financial behavior and 83.7% for financial management) indicates that financial literacy is a dominant factor in explaining variation in both dependent variables.
Abstract:This research is motivated by the importance of building customer trust inencourage customer interest and decisions to save regularly at BPR Syariah, especially through strengthening personal selling marketing communication…
ion strategies and positive service experiences. The main theory underlying this research is the Theory of Planned Behavior (TPB). This research aims to analyze (1) the influence of personal selling on saving decisions, (2) the influence of customer experience on saving decisions, (3) to determine whether trust mediates the relationship between personal selling and saving decisions, (4) to determine whether trust mediates the relationship between customer experience and saving decisions at BPRS Baiturridha Pusaka-Bandung. This study uses a quantitative approach through the Structural Equation Modeling–Partial Least Squares (SEM–PLS) method. The sample consisted of 120 active customer respondents of BPRS Baiturridha Pusaka-Bandung selected using a probability sampling technique through a simple random sampling approach, where each member of the population has an equal chance of being selected as a respondent. Data collection was carried out through the distribution of structured questionnaires and analyzed using Smart PLS software version 3.0. The results of the study show that (1) Personal Selling does not influence the decision to save (2) Customer Experience has a positive and significant influence on the Decision to Save (3) Trust is not proven to significantly mediate the relationship between personal selling and the decision to save (4) Trust is proven to significantly mediate the relationship between customer experience and the decision to save. These findings confirm that in the context of BPR Syariah, positive customer experience is the main factor in forming trust and driving savings behavior
Abstract:This research analyzes the impact of implementing tax planning on the fixed asset depreciation methods within PTPN III. The main objective of this study is to identify how the implementation of tax planning strategies affects…
fects the choice of fixed asset depreciation methods within PTPN III. The research method employed is a quantitative approach, collecting data through in-depth interviews with relevant stakeholders at PTPN III and analyzing documents related to the depreciation policies and the company's tax planning strategies. The results of this research show that by incorporating the straight-line depreciation method (tax) into its fixed asset depreciation, with a total accumulated depreciation smaller than declining balance (tax), PTPN III has saved on taxes, thus achieving its tax planning objectives.
Abstract:The phenomenon of thrifting at Pasar Loak Jembatan Item Jatinegara demonstrates the continuity and evolution of frugal shopping practices involving the purchase of second-hand items. This research delineates the long history…
tory of thrifting, from the medieval period to the emergence of organizations such as Salvation Army and Goodwill that popularized it in the 19th century. The COVID-19 pandemic has reignited interest in thrifting due to economic pressures prompting people to save on expenses. The research methodology employed is qualitative descriptive, utilizing in-depth interviews and direct observations at Pasar Loak Jembatan Item Jatinegara. The findings reveal that traders employ two main strategies: selling directly at the market and through online platforms. Meanwhile, consumers have diverse motivations, ranging from meeting household needs to a desire to collect unique and antique items. Analysis of Alfred Schutz’s phenomenological theory is used to understand the reasons and goals behind consumer’s choices in thrifting. The researcher finds that each individual has different motives, such as goal motives (In order to motive) and because motives (Because motive), underlying their decisions to engage in thrifting. The conclusion of this research is that the phenomenon of thrifting at Pasar Loak Jembatan Item Jatinegara reflects the evolving and relevant dynamics of consumer culture, adapting to social and economic changes. With the evolution of this practice, the second-hand market becomes a favorite place for people to find affordable items, while traders and consumers continue to adapt to technological advancements and changes in the economic landscape. This study provides valuable insights into how thrifting is not just an economic phenomenon but also reflects the identity and preferences of consumers in a constantly changing shopping culture.
Abstract:Abstact : Services are activities or activities offered by organizations or individuals to customers or clients, which are intangible and cannot be owned. The aim of this research is to make it easier for customers to place…
ace orders (orders) as well as serve as a promotional medium for company products that can save company costs in promoting products to customers. One of the businesses engaged in the business of selling clothing which includes clothes, pants, bags, shoes and others. The problem that occurs is that in the customer service process there are no additional facilities that function to interact between the shop and the customer to convey complaints, suggestions and criticism so that customers cannot provide criticism and suggestions for the Dianid Collection and do not yet have a process for managing and storing customer data which is done when customers buy clothes by telephone line or come directly to the shop, this making shop owners pay less attention to who the customers are who have the potential to become regular customers. With the application of this method, it will produce a fashion product sales system at the Dianid Collection with the implementation of the E-CRM method being able to integrate existing functions within the company, namely product sales marketing, information and customer service, unlimited time, sales can be made online and can improve service to customers.
Keywords: dianid collection; customer service; E-CRM.
Abstrak : Pelayanan adalah aktivitas atau kegiatan yang ditawarkan oleh organisasi atau perorangan kepada pelanggan atau nasabah, yang bersifat tidak berwujud dan tidak dapat dimiliki. Tujuan penelitian dapat mempermudah pelanggan dalam melakukan pemesanan (order) serta dijadikan sebagai media promosi produk perusahaan yang dapat menghemat biaya perusahaan dalam mempromosikan produk kepada pelanggan.Salah satu bisnis yang bergerak dalam bidang usaha penjualan pakaian yang meliputi baju, celana, tas, sepatu dan lainnya .Permasalahan yang terjadi yaitu pada proses pelayanan pelanggan belum adanya fasilitas tambahan yang berfungsi melakukan interaksi antara Toko dengan pelanggan untuk menyampaikan keluhan, saran dan kritik sehingga pelanggan tidak bisa memberikan kritik dan saran untuk Dianid Collection dan belum memiliki proses mengelola dan menyimpan data pelanggan yang dilakukan pada saat pelanggan membeli pakaian secara line telepon ataupun langsung datang ke Toko, hal tersebut membuat pemilik Toko kurang memperhatikan siapa pelanggan yang berpotensi menjadi pelanggan tetap. Dengan adanya penerapan Metode ini maka akan menghasilkan sistem penjualan produk fashion pada Dianid Collection dengan hasil implementasi pada metode E-CRM dapat mengintegrasikan fungsi fungsi yg ada didalam perusahan yaitu pemasaran penjualan produk, informasi dan pelayanan terhadap pelanggan , tidak terbatas waktu, penjualan dapat dilakukan secara online dan dapat meingkatkan pelayanan terhadap pelanggan.
Kata Kunci: dianid collection; pelayanan pelanggan; E-CRM
Abstract:Binjai Baru Village, Datuk Tanah Datar District has great potential to be developed through entrepreneurship training, the absence of skills training, is one of the obstacles hindering economic progress. Many village youth…
th choose to travel, while many women working from home have free time that has not been used effectively. Seeing this situation, we feel encouraged to conduct training on making dish soap as a form of innovation in community empowerment, especially housewives, with the ultimate goal of improving skills in creating products of economic value and increasing the family budget by eliminating the need to buy dish soap every day. The methods used in this training are socialization, training or trials, and discussions or consultations. The purpose of this activity is to encourage creativity and provide knowledge in making dish soap, so that it can save expenses and open up new business opportunities. It can be concluded that the training activities have been successful and successfully carried out well. Villagers have mastered the material provided in the dish soap training activity.
Keywords: binjai baru village; empowerment; soap making.
Abstrak: Desa Binjai Baru, Kecamatan Datuk Tanah Datar mempunyai potensi besar untuk untuk dikembangkan melalui pelatihan kewirausahaan, tidak adanya pelatihan keterampilan, merupakan salah satu hal kendalamenghambat kemajuan ekonomi. Banyak pemuda desa yang memilih merantau, sementara itu banyak ibu-ibu bekerja dari rumah memiliki waktu luang yang belum dimanfaatkan secara efektif. Melihat situasi ini, kami merasa terdorong untuk melakukan pelatihan pembuatan sabun cuci piring sebagai bentuk inovasi pemberdayaan masyarakat terutama ibu-ibu rumah tangga, dengan tujuan akhir meningkatkan keterampilan dalam menciptakan produk bernilai ekonomi serta meningkatkan anggaran keluarga dengan menghilangkan kebutuhan untuk membeli sabun cuci piring setiap hari. Metode yang digunakan dalam pelatihan ini adalah sosialisasi, Pelatihan atau uji coba, dan diskusi atau konsultasi. Adapun tujuan dilaksanakan kegiatan ini adalah mendorong kreativitas dan memberikan pengetahuan dalam membuat sabun cuci piring, sehingga dapat menghemat pengeluaran serta membuka peluang usaha baru. Dapat disimpulakan bahwa kegiatan pelatihan telah sukses dan berhasil dilaksanakan dengan baik. Warga desa telah menguasai materi yang diberikan dalam kegiatan pelatihan sabun cuci piring.
Kata kunci: desa binjai baru; pemberdayaan; pembuatan sabun.
Abstract:The data storage system is designed to keep data neatly and safely stored and conveniently accessible when needed. Teachers were not used to utilizing Google Drive and instead saved material on cellphones, which clogged…
storage and made it difficult to access files when they were needed. Data was frequently left behind since it was saved on a separate flash drive or laptop. Pengabdian kepada Masyarakat (PkM) is an activity that intends to deliver knowledge training on Google Drive cloud storage technology as an alternative to the online storage medium. Tanjung Balai 4 SMKN was involved as a PkM partner in the activity, which focused on introducing and training in using Google Drive. Among the tactics employed is teaching instructors about the characteristics and benefits of Google Drive as an online storage medium. Tanjung Balai SMKN4 instructors in the 20-teacher group improved their understanding of Google Drive features and functionalities, as well as their capacity to handle files efficiently, after attending the session. Because cooperation partners and instructors at SMKN 4 Tanjung Balai may utilize the information learned to maximize the usage of Google Drive in school activities, using Google Drive has a beneficial influence on PkM activities.
Keywords: cloud_storage; google_drive; smkn4_tanjung_balai; PkM
Abstrak: Sistem penyimpanan data tidak hanya bertujuan agar tersimpan secara rapi dan aman namun dapat juga diakses dengan mudah saat data dibutuhkan. Sebelumnya para guru belum terbiasa menggunakan google drive dan lebih sering menyimpan data dismartphone sehingga membebani penyimpanan serta kesulitan dalam menemukan file saat akan digunakan dan data yang sering tertinggal karena disimpan dimedia flashdisk atau dilaptop yg berbeda. Kegiatan pengabdian kepada masyarakat (PkM) ini bertujuan memberikan pelatihan kepada guru-guru tentang pengetahuan teknologi cloud storage google drive sebagai alternatif media penyimpanan online. Kegiatan dilakukan dengan melibatkan SMKN4 Tanjung Balai sebagai mitra dalam PkM yang fokus pada pengenalan dan pelatihan penggunaan google drive. Metode yang digunakan meliputi pelatihan kepada guru-guru mengenai fitur dan manfaat google drive sebagai media penyimpanan online. Setelah mengikuti pelatihan, guru SMKN4 Tanjung Balai yang mengikuti 20 guru mengalami peningkatan pengetahuan tentang fitur dan fungsi google drive, serta kemampuan mereka dalam mengelola file secara efektif. Pemanfaatan google drive juga memberikan dampak positif dalam kegiatan PkM sebagai kolaborasi mitra dan guru SMKN 4 Tanjung Balai dapat menerapkan pengetahuan yang diperoleh untuk mengoptimalkan penggunaan google drive dalam kegiatan sekolah.
Kata kunci: cloud_storage; google_drive; smkn4_tanjung_balai; PkM
Abstract:Abstrak: Farmers in Pau Village mostly use chemical pesticides. Many farmers have not used plant-based pesticides to control pests on the plants they cultivate. This condition is of concern to us to produce plant-disturbing…
ing organisms (OPT) on farmers' crops in Ruteng City. The purpose of this activity is to produce vegetable pesticides as environmentally friendly plant pest control. The method used in this activity is the demonstration method, which means directly processing and applying vegetable pesticides on farmers' land. The result of this activity is the product of the vegetable pesticide "Desta" which can be used to control Plant Pest Organisms (OPT) on farmer's land so as to increase the productivity of agricultural products in Pau Village, Langke Rembong District.
Keywords: diseases; pesticides; pests
Abstrak: Petani di Kelurahan Pau sebagian besar menggunakan pestisida kimia. Banyak petani yang belum menggunakan pestisida nabati dalam mengendalikan hama pada tanaman yang mereka budidayakan.Kondisi ini menjadi perhatian kami untuk menghasilkan pestisida nabati sebagai solusi pengendalian organisme pengganggu tumbuhan (OPT) pada tanaman petani di Kota Ruteng. Tujuan kegiatan ini adalah untuk menghasilkan pestisida nabati sebagai pengendali organisme pengganggu tanman yang ramah lingkungan. Metode yang digunakan dalam kegiatan ini yaitu metode demonstrasi yang artinya secara langsung pengolahaan dan penerapan pestisida nabati di lahan milik petani. Hasil dari kegiatan ini adanya produk pestisida nabati “Desta†yang dapat digunakan untuk mengendalikan Organisme Pengganggu Tumbuhan (OPT) di lahan milik petani sehingga mampu meningkatkan produktivitas hasil pertanian di Kelurahan Pau Kecamatan Langke Rembong.
Kata kunci: hama; penyakit; pestisida
Abstract:Abstract : Efforts to improve the quality of health services at the Porsea health center make a medical records system to facilitate the administration and storage of data properly, Porsea health centers still use medical…
al records or forms manually. To make it easy for patients to have a continuous medical history quickly discovered. One of the preparations is to find the right application to be used as a manual medical record system that is digitalized. A simple and easy-to-use medical record system that makes it easy for puskesmas to do patient medical records is the Android Medical Records App Application system, with this application what is expected by the puskesmas can increase the knowledge of Porsea puskesmas employees to use the medical record application, and increase the use of the computerized system, and it is also easy for people who seek treatment to be able to save their medical record data and can be seen traces of their existing medical history.
Keywords: android; medical records
Abstrak: Upaya meningkatakan mutu pelayanan kesehatan puskemas porsea membuat sistem catatan medis untuk mempermudah administrasi dan penyimpanan data dengan baik, puskesmas porsea masih menggunakan catatan medis atau formulir secara manual. Untuk mempermudah agar riwayat kesehatan pasien berkesinambungan dengan cepat ditemukan. Salah satu persiapan yang dilakukan adalah mencari aplikasi yang tepat untuk digunakan menjadi sistem rekam medis yang manual menjadi digitalisasi. Sistem rekam medis yang simpel dan mudah digunakan dalam memudahkan pihak puskesmas untuk melakukan pencatatan medis pasien adalah sistem Aplikasi Android Medical Records App, dengan adanya aplikasi ini maka apa yang diharapkan pihak puskesmas dapat Meningkatkan pengetahuan pegawai puskesmas porsea untuk menggunakan aplikasi rekam medis, dan meningkatkan penggunaan sistem terkomputerisasi, dan juga mempermudah masyarakat yang berobat untuk bisa di simpan data catatan medisnya dan dapat dilihat jejak riwayat kesehatannya yang sudah ada.
Kata Kunci: android; rekam medis
Abstract:Abstract: The implementation of Geographic Information Systems (GIS) within organizations has become essential in accomplishing work activities in the modern era. Sideak Motor is a financing company in Kisaran City, Asahan…
an Regency, that provides loans using motorcycle registration certificates (BPKB) as collateral, with a customer base reaching 6,052. Sideak Motor faces difficulties in data management. During meetings concerning customer locations, data communication with owners and office staff is often problematic. Additionally, when duties are transferred, new field officers struggle to locate customers because the previous officers could only provide textual information. As a result, office staff have no precise knowledge of customer locations—only the field officers do. This study aims to design a web-based customer mapping system to facilitate information storage, reduce costs, save time, and produce an information system that enhances the efficiency and accuracy of customer data management. The resulting system presents the distribution of customer locations and provides accessible information such as personal data, addresses, route details, and photos of customers’ homes, thereby simplifying the operations of Sideak Motor.
Keywords: customer distribution mapping; geographic information system (GIS); sideak motor.
Abstrak: Penerapan sistem informasi geografis dalam organisasi menjadi hal utama untuk menyelesaikan suatu aktivitas pekerjaan pada era sekarang ini. Sideak Motor merupakan salah satu perusahaan pembiayaan dengan agunan BPKB sepeda motor di Kota Kisaran Kabupaten Asahan yang memiliki nasabah mencapai 6.052, Sideak Motor kesulitan dalam pengelolaan data, saat melakukan rapat mengenai lokasi nasabah sulit dilakukan komunikasi data dengan pemilik dan petugas kantor lainnya, serta pada saat pergantian tugas, petugas lainnya kesulitan mencari lokasi nasabah, karena petugas lapangan hanya bisa memberikan informasi berupa teks, dengan begitu petugas kantor tidak mengetahui lokasi pasti nasabah Sideak Motor, jadi yang mengetahui lokasi mengenai tempat tinggal nasabah hanya petugas lapangan. Penelitian ini memiliki tujuan untuk merancang sebuah sistem pemetaan nasabah berbasis web yang dapat mempermudah dalam penyimpanan informasi, mengurangi biaya, menghemat waktu serta menghasilkan sistem informasi yang dapat meningkatkan efisiensi dan akurasi pengelolaan data nasabah. Hasil sistem ini menyajikan sebaran pemetaan lokasi nasabah menyediakan informasi berupa biodata, alamat, rincian rute, dan gambar rumah nasabah yang dapat diakses secara cepat dan akurat sehingga dapat mempermudah pihak sideak motor.
Kata Kunci: pemetaan sebaran nasabah; sistem informasi geografis (SIG); sideak motor