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All Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Kreativasi: Journal of Community Empowerment
Sitorus, Antoni
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Penggunaan Uang Digital dalam Transaksi Keuangan Masyarakat di Desa Jambu Kabupaten Bengkulu Tengah Yefriza; Ekaputri, Retno Agustina; Pasaribu, Esti; Sitorus, Antoni
Kreativasi : Journal of Community Empowerment Vol. 3 No. 3 (2024): Vol.3 No.3,2024: Desember 2024 (IN PRESS)
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v2i4.34489

Abstract

This community service activity (PPM) was carried out with the issue of Digital Money in Financial Transactions in Jambu Village, Central Bengkulu Regency. The activity was attended by 20 participants from the Talang Jambu Village Community. This activity was motivated by the fact that many people still do not understand digital money and the distance of public banks from villages means that economic activities are often hampered. In this activity, people can understand the need for technology in finance and payment tools so that economic transactions can continue to be carried out even if they do not have cash. Digital money also makes the transaction process easier because there is no need for direct face-to-face contact between sellers and buyers so economic activity can run more massively and conductively.
Pengenalan Strategi Branding Produk Lokal Pada Usaha Mikro Kecil Dan Menengah (Umkm) Melalui Media Digital Di Desa Sri Kuncoro Nopiah, Ririn; Rusdi, Muhammad; Sitorus, Antoni
Kreativasi : Journal of Community Empowerment Vol. 4 No. 1 (2025): Vol.4 No. 1, 2025 :Juni 2025
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v4i1.44641

Abstract

Micro, Small, and Medium Enterprises (MSMEs) based on local resources have great potential in driving village economic growth. However, low product branding capacity is often a major obstacle in increasing MSME competitiveness in the wider market. This community service activity aims to introduce basic strategies for local product branding to MSMEs in Sri Kuncoro Village, Central Bengkulu Regency, by utilizing digital media as an effective and affordable promotional tool. Through socialization, participants were introduced to the importance of brand identity, product storytelling techniques, basic principles of packaging design, and the use of digital platforms such as WhatsApp Business, Instagram, and local marketplaces. It is hoped that this activity will increase MSMEs' understanding of the importance of product image, expand market reach, and encourage the growth of businesses based on local potential.
Sosialisasi Digitalisasi UMKM Dalam Menunjang Keuangan Inklusif Yefriza; Pasaribu, Esti; Rospida, Lela; Sitorus, Antoni; Putri, Novi Tri
Kreativasi : Journal of Community Empowerment Vol. 4 No. 2 (2025): Vol.4 No. 2, 2025 :September 2025 (IN PRESS)
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v4i2.40302

Abstract

One of the Indonesian government's efforts is to develop Micro, Small, and Medium Enterprises, usually MSMEs, to restore economic stability and encourage economic growth and national economic recovery. A common problem for every MSME is that knowledge about financial reports is still weak. Based on these conditions, the community service team for the Master of Applied Economics, Faculty of Economics and Business, Bengkulu University, held socialization activities for MSME Digitalization Development in Pekik Nyering Village, Central Bengkulu Regency and made this an effort to increase the competitiveness of MSME products. The socialization focused on training in making simple financial reports and using the SIAPIK application to make it easier to record financial transactions precisely and practically anytime, anywhere, without carrying a cash book. The activity was carried out on September 4, 2024, and was well received by the people of Pekik Nyering Village. After training, MSMEs can use the SIAPIK application and are expected to continue using this application on an ongoing basis.
ANALISIS PENGELUARAN PEMERINTAH, UPAH MINIMUM PROVINSI DAN INVESTASI PMDN TERHADAP JUMLAH PENDUDUK MISKIN DI PULAU SUMATERA Saputri, Sherly Adelia Ahyani; Sitorus, Antoni
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.4897

Abstract

Tujuan penelitian ialah untuk menganalisis pengaruh pengeluaran pemerintah, UMP, dan PMDN terhadap jumlah penduduk miskin di Pulau Sumatera selama periode 2019-2023. Metode penelitian ini menggunakan Panel Least Squares (PLS) dengan pendekatan data panel, melibatkan 10 provinsi di Sumatera dengan 50 observasi panel yang seimbang. Hasil penelitian menunjukkan bahwa ketiga variabel independent pengeluaran pemerintah, UMP, dan PMDN berpengaruh signifikan dan negatif terhadap jumlah penduduk miskin. Secara spesifik, koefisien regresi untuk pengeluaran pemerintah sebesar -0,007801 mengindikasikan bahwa setiap peningkatan pengeluaran pemerintah sebesar 1 miliar rupiah akan mengurangi jumlah penduduk miskin sebesar 0,007801 ribu jiwa (sekitar 7,8 orang). Koefisien UMP sebesar -0,146798 menunjukkan bahwa setiap peningkatan UMP sebesar 1 juta rupiah akan mengurangi jumlah penduduk miskin sebesar 0,146798 ribu jiwa (sekitar 147 orang). Koefisien PMDN sebesar -0,010232 berarti setiap peningkatan PMDN sebesar 1 miliar rupiah akan mengurangi jumlah penduduk miskin sebesar 0,010232 ribu jiwa (sekitar 10 orang). Secara simultan, ketiga variabel ini mampu menjelaskan 97,22% dari variasi jumlah penduduk miskin di Pulau Sumatera. Dengan demikian, kebijakan ekonomi yang berfokus pada peningkatan pengeluaran pemerintah, peningkatan UMP, dan investasi PMDN di wilayah Sumatera sangat efektif dalam menekan angka kemiskinan.
Co-Authors Ekaputri, Retno Agustina Muhammad Rusdi Nopiah, Ririn Pasaribu, Esti Putri, Novi Tri Rospida, Lela Saputri, Sherly Adelia Ahyani Yefriza