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All Journal Takuana: Jurnal Pendidikan, Sains, dan Humaniora Abdi Cendekia: Jurnal Pengabdian Masyarakat
Emilia Embun Sari
Institut Syekh Abdul Halim Hasan Binjai
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Pemberdayaan Perempuan Melalui Pendekatan Partisipatif Berbasis Diskusi Kolaboratif dalam Pengelolaan Keuangan di Era Digital (Studi pada Komunitas Perempuan di Kabupaten Langkat) Rizki Fatmawati; Emilia Embun Sari; Salsabila Salsabila
Abdi Cendekia : Jurnal Pengabdian Masyarakat Vol 5 No 2 (2026): Juni
Publisher : Yayasan Zia Salsabila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61253/abdicendekia.v5i2.658

Abstract

Pemberdayaan perempuan dalam pengelolaan keuangan menjadi aspek penting dalam meningkatkan kesejahteraan keluarga, khususnya di wilayah semi-perdesaan seperti Kabupaten Langkat. Artikel ini bertujuan untuk menganalisis efektivitas pendekatan partisipatif berbasis diskusi kolaboratif dalam meningkatkan literasi dan praktik manajemen keuangan pada komunitas perempuan. Metode yang digunakan adalah deskriptif kualitatif dengan pendekatan Participatory Action Research (PAR). Kegiatan meliputi identifikasi kebutuhan, pelatihan manajemen keuangan rumah tangga, simulasi pencatatan keuangan, serta pendampingan penggunaan aplikasi keuangan sederhana. Hasil menunjukkan peningkatan pemahaman peserta terkait perencanaan anggaran, pencatatan keuangan, serta pengendalian pengeluaran. Selain itu, terjadi peningkatan kepercayaan diri dalam pengambilan keputusan finansial. Pendekatan kolaboratif terbukti efektif dalam mendorong partisipasi aktif dan keberlanjutan program.
Analisis Strategi Office Channeling dalam Meningkatkan Penjualan Tabungan iB Syariah pada CIMB Niaga Syariah Emilia Embun Sari
Takuana: Jurnal Pendidikan, Sains, dan Humaniora Vol. 5 No. 1 (2026): Takuana (April-June)
Publisher : MAN 4 Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56113/takuana.v5i1.590

Abstract

This study examines the “Dual Banking Leverage Model (Office Channeling)” strategy for CIMB Niaga Syariah's IB Savings product sales, a leading strategy for CIMB Niaga Syariah to increase Third Party Funds (DPK), specifically for its IB Syariah Savings product. This study uses a descriptive qualitative analysis method that systematically, timely, and reliably describes the relationships between the phenomena studied. CIMB Niaga Syariah uses the Dual Banking Leverage Model (DBLM) through Office Channeling to implement its IB Savings product marketing strategy. This strategy expands sales of IB Syariah Savings products beyond Sharia branches to include conventional branch channels. The results of the discussion show that the Office Channeling Strategy is a superior strategy that contributes very relevantly to increasing Sharia Third Party Funds, especially for Ib Savings products at CIMB Niaga Syariah.
Co-Authors Rizki Fatmawati Salsabila Salsabila