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All Journal JMM (Jurnal Masyarakat Mandiri) JURNAL PENDIDIKAN TAMBUSAI Jurnal Pengabdian Masyarakat Jamak Jurnal Abdimas Mahakam Amalee: Indonesian Journal of Community Research & Engagement Management Studies and Entrepreneurship Journal (MSEJ) Community Development Journal: Jurnal Pengabdian Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Soso-Q : Jurnal Manajemen International Journal of Community Service & Engagement Devotion: Journal of Research and Community Service Indonesian Community Empowerment Journal Pattimura Proceeding : Conference of Science and Technology Abdimas Indonesian Journal SWARNA Media Bina Ilmiah DEVOTE: Jurnal Pengabdian Masyarakat Global Jurnal Bisnis dan Manajemen West Science Manis : Jurnal Manajemen dan Bisnis Nomico SWARNA: Jurnal Pengabdian Kepada Masyarakat KAMBOTI : Jurnal Sosial dan Humaniora Nomico
Ralahallo, Fransiska Natalia
Faculty Of Economics And Business, Universitas Pattimura, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Revitalisasi Tata Kelola menuju Bumdes Produktif pada Bumdes Tanjung Siput Ohoi Lairngangas di Kabupaten Maluku Tenggara: Governance Revitalization towards Productive Bumdes in Bumdes Tanjung Siput Ohoi Lairngangas in Southeast Maluku Regency Lewaherilla, Novalien Carolina; Ralahallo, Fransiska Natalia; Loppies, Lilian Sonya
Amalee: Indonesian Journal of Community Research and Engagement Vol. 3 No. 2 (2022): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v3i2.1899

Abstract

The purpose of implementing this PKM activity is to provide understanding and knowledge about productive BUMDes management, due to the phenomenon that occurred in Tanjung Siput BUMDes Ohoi Lairngangas in Southeast Maluku Regency and to encourage the creation of competitive BUMDes governance in accordance with the nature of its presence, namely to improve the economic welfare of rural communities. Through the Participatory Action Research (PAR) method to the Management and Members of BUMDes, the process of sharing knowledge and skills is carried out, among others regarding the bookkeeping system and its application to BUMDes, Financial Management Implementation, strategies for handling non-performing loans through credit analysis training and strengthening organizational governance through organizational training. The conclusion of this PKM activity is that the understanding of BUMDes members in the field of production management and marketing can increase and there is a change in the mindset of BUMDES members to be more professional and able to run BUMDes.
The Influence of Fintech on The Level of Credit Disbursement for MSMEs Fransiska Natalia Ralahallo; Eko Cayo mayndarto; Robby Tanod Mamusung
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/98ft6t26

Abstract

This study aims to analyze the impact of financial technology (fintech) utilization on credit disbursement levels to Micro, Small, and Medium Enterprises (MSMEs). The background of this research lies in the limited access of MSMEs to formal financing, which is often constrained by collateral requirements, complex bureaucratic procedures, and a lack of credit information. Fintech emerges as a digital solution offering faster, simpler loan processes without the need for physical collateral. This study adopts a quantitative approach using a survey method, with data collected through questionnaires distributed to 100 MSME actors who utilize fintech services. The results of linear regression analysis indicate that fintech has a significant effect on increasing credit disbursement. In other words, the higher the utilization of fintech, the greater the opportunity for MSMEs to access financing. The study concludes that fintech plays an essential role in promoting financial inclusion; however, this must be supported by improved financial literacy and appropriate regulatory oversight to ensure its long-term benefits.
Co-Authors Abdullah Sanduan Alfons, Christwyn R Anna Valensia Christianty De Fretes Aris Firmansyah Asiani Sijabat Asiani Sijabat Astrid J.D. Siahainenia Azzahra, Rachel Fatimah Baretha M Titioka Baretha Meisar Titioka Djari, Lukman Hamsah Eko Cayo mayndarto Fatmawati Namsa Ginting, Yanti Mayasari Grace Persulessy Grace Tahapary Josia Pattipeiluhu Judijanto, Loso Jupiter Dakael Dakael Latuconsina, Zainuddin Latupapua, Conchita. V. Lewaherilla, Novalien Carolina Lilian S Loppies Loppies, Liliana Sonya Loso Judijanto Mamusung, Robby Tanod Maqfirah, Poetri AL-Viany Maria J.F Esomar mayndarto, Eko Cayo Meny Huliselan Nandang Bekti Karnowati Nanere, Marthin Obet Eko Wiranto Olivia Laura Sahertian Pattinaja, Elna Marsye Patty, Meidylisa Pelupessy, Merry M. Poetri AL-Viany Maqfirah Rainier Hendrik Sitaniapessy Refo, Ignasius Samson Sudirman Regar, Erfendi Ririhatuela, Elisabeth M P Robby Tanod Mamusung Ronyldo Tandikura Roy Seleki Sherly Sherly Siahaan, Martha Herlina Siaila, Steven Tabelessy, Walter Tehuayo, Erlinda Ternate, Halima Tussaadia Tetelepta, Edward Gland Titioka, Baretha Meisar Tubalawony, Jacsy Turukay, Evracia Watumlawar, Evelin Yupiter Mendrofa