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THE EFFECT OF TOTAL SAVINGS, AMOUNT OF DEPOSITS, AND INTEREST RATE ON THE AMOUNT OF CREDIT PROVIDED BY PT. BPR MITRADANA MADANI MEDAN Sari, Warsani Purnama; Lores, Linda; Bizlanie, Tizka
Accounting and Business Journal Vol 3 No 1 (2021): ACCOUNTING AND BUSINESS JOURNAL
Publisher : Lembaga Jurnal & Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/abj.v3i1.1224

Abstract

This study aims to determine the effect of the amount of savings, amount of deposits, and interest rates on the amount of credit at PT. BPR Mitradana Madani Medan, either partially or simultaneously. This type of research is an associative study. The type of data used in this research is quantitative data and the data source in this study is secondary data. The sample in this study is the total amount of savings, deposits, credit and average of interest rates per month for the period August 2014-August 2018. The techniques that researchers do to collect the data needed in the study are observation and study documentation. The data analysis technique used in this study is analysis multiple regression. The results of this study indicate that the variable amount of savings (X1) partially has a significant positive effect on the amount of credit (Y). While the variable amount of deposits (X2) has no positive and no significant effect on the amount of credit (Y). And the interest rate variable (X3) partially has a significant negative effect on the amount of credit (Y). And based on the F test, simultaneously the amount of savings, amount of deposits, and interest rates have a positive and significant effect on the amount of credit given by PT. BPR Mitradana Madani Medan.
The Effect Of Financial Literacy And Inclusion Finance On Msme Performance (Case Study On Msmes Medan Districtsandpaper) Sari, Warsani Purnama; Prayudi, Ahmad; Ramadani, Mawaddah; Pribadi, Teddi
Accounting and Business Journal Vol 6 No 1 (2024): ACCOUNTING AND BUSINESS JOURNAL
Publisher : Lembaga Jurnal & Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/abj.v6i1.4807

Abstract

The study purpose to analyze the influence of financial literacy and financial inclusion on the performance of MSMEs in Medan Amplas District, both partially and simultaneously. The type of research used in this research is quantitative research using an associative approach. The population and sample in this research were 107 MSMEs in Medan Amplas District. The type of data used in this research is quantitative data. The data source used in this research is primary data. The data collection method used in this research is a questionnaire. The data analysis method used is multiple linear regression analysis using the SPSS (Statistical Program For Social Science) technique version 17. The research results show that partially and simultaneously financial literacy and financial inclusion have a positive and significant effect on the performance of MSMEs in Medan Amplas District.
Pengaruh Intensitas R&D dan Profitabilitas terhadap Corporate Social Responsibility pada Perusahaan Sektor Manufaktur Sari, Warsani Purnama; Utari, Eva Tri; Prayudi, Ahmad
Economics, Business and Management Science Journal Vol 5, No 2 (2025): Economics, Business and Management Science Journal, August
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/ebmsj.v5i2.812

Abstract

This research aims to analyze the influence of RD intensity and profitability on Corporate Social Responsibility (CSR) in Manufacturing Sector RD companies listed on the Indonesia Stock Exchange for the 2017-2023 period. The samples in this research are several manufacturing sector companies listed on the BEI in 2017-2023 according to predetermined criteria, namely INTP, SMGR, TOTO, ISSP, JPFA, MAIN, SPMA, ASII, CAMP, ICBP, INDF, MLBI, GGRM, WIIM, KAEF, SIDO, INVR and CINT.  The independent variables in this research are RD intensity and profitability, while the dependent variable is CSR.  Data analysis was carried out using multiple linear regression tests. The research results show that RD intensity has a positive and significant effect on the CSR of manufacturing sector companies listed on the Indonesia Stock Exchange. Profitability has a positive and significant effect on the CSR of manufacturing sector companies listed on the Indonesia Stock Exchange. RD intensity and profitability simultaneously have a significant effect on the CSR of manufacturing sector companies listed on the Indonesia Stock Exchange. The influence (determination) of R D intensity and overall profitability on CSR is 21.50%. This shows that CSR is also influenced by other factors outside the variables of CSR intensity and profitability, where this influence is relatively large, namely 78.5%.
The Influence of Technical Competencies and Psychological Well-being on the Competitiveness of Micro, Small, And Medium Enterprises Prayudi, Ahmad; Pratiwi, Henny; Aulia, Muhammad Reza; Sari, Warsani Purnama
Bulletin of Counseling and Psychotherapy Vol. 5 No. 3 (2023): Bulletin of Counseling and Psychotherapy
Publisher : Kuras Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/002023051310000

Abstract

This study aims to assess the impact of participatory training on enhancing the psychological well-being and technical skills of Micro, Small, And Medium Enterprise (MSME) artisans in Tangkahan’s ecotourism sector. Fifty MSME participants, who had previously attended training sessions organized by government agencies and universities, were selected as respondents. The study employed observation and statistical analysis, specifically paired samples t-tests, to evaluate changes in knowledge and skills before and after the training. The results revealed a significant improvement in both the well-being and performance of participants, with t-values exceeding the t-table and significance values (p) below 0.05. Additionally, Structural Equation Modeling with Partial Least Squares (SEM-PLS) was utilized to analyze the interrelationships between variables and test the hypotheses. This approach provided a robust framework for evaluating the direct and indirect effects among the factors, enhancing the validity and depth of the findings. These findings highlight that participatory training improves the psychological well-being and technical skills of handicraft MSME actors in managing their businesses. This study also reveals that psychological well-being has a significant direct impact on technical skills and competitiveness. Additionally, technical skills directly influence competitiveness, while psychological well-being indirectly affects competitiveness through the mediation of technical skills. This study advocates for a holistic training approach that not only focuses on technical skill enhancement but also prioritizes psychological well-being to enhancing competitiveness. The success of MSMEs depend not only on technical skills but also on the psychological well-being such as job satisfaction, stress management, mental health, motivation and positive emotion of the workforce. By adopting this comprehensive strategy, future training programs can drive long-term improvements in both individual well-being and business performance, ensuring the resilience and competitiveness of MSMEs in Tangkahan’s ecotourism sector.
Pengaruh Penggunaan Mobile Banking, Internet Banking Dan ATM Terhadap Kinerja Keuangan Pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2018-2023 Sahara, Israna; Sari, Warsani Purnama; Lores, Linda; Prayudi, Ahmad
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 8, No 1 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), August
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v8i1.2641

Abstract

Kinerja keuangan perbankan mengalami peningkatan dan penurunan dalam pencapaian keuntungan, namun dalam situasi ini beberapa bank menutup kantor cabangnya, akibat meningkatnya penggunaan digital banking.  Penelitian ini bertujuan untuk mengetahui pengaruh mobile banking, internet banking dan transaksi ATM terhadap kinerja keuangan perbankan. Jenis penelitian ini adalah penelitian deskriptif dengan menggunakan data sekunder, dengan pendekatan kuantitatif.  Penelitian ini menggunakan metode purposive sampling untuk menentukan sampel penelitian, sehingga diperoleh sebelas bank dan terdapat empat puluh tiga sampel untuk penelitian. Data yang diperoleh dianalisis dengan menggunakan metode analisis regresi berganda. Hasil penelitian menunjukkan bahwa secara parsial transaksi mobile banking berpengaruh positif terhadap ROA. Sedangkan transaksi internet banking berpengaruh negatif terhadap ROA dan transaksi ATM berpengaruh negatif terhadap ROA. Hasil penelitian juga menunjukkan bahwa secara simultan transaksi mobile banking, transaksi internet banking dan transaksi ATM mempunyai pengaruh positif terhadap ROA.
Pemanfaatan Sistem E-Budgeting dalam Mitigasi Dampak Inflasi Pada APBD (Pemerintah Kota Medan) Sari, Wardhani Indah; Fariski, Aditya; Az-zahri, Imam Syahroji; Sukani, M.Aziiz; Sari, Warsani Purnama; Prayudi, Ahmad
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 8, No 1 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), August
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v8i2.2784

Abstract

Inflation is one of the challenges of the economy that has a significant impact on the management of the Regional Budget, including in Medan City. The weakening of people's purchasing power and private fiscal capacity often occurs due to the increase in the price of goods and services. This impact not only leads to regional fiscal accounting, but also to infrastructure development and public services. This study aims to analyze the role of the e-Budgeting system as a tool to mitigate the impact of inflation on the Medan City Regional Budget. The analysis framework uses a quantitative approach with literature study techniques and policy analysis. The results of the study show that e-Budgeting is very effective in increasing the efficiency of budget planning, the accuracy of fund allocation and transparency of regional financial management. This e-Budgeting system will allow the government to make adjustments to priority programs affected by inflation, such as the provision of social assistance and the implementation of infrastructure development. However, its implementation in Medan has been hampered by technical incompetence and the capacity of the apparatus. Therefore, this study recommends strengthening the integration of e-Budgeting with the regional planning system and increasing training for the apparatus to maximize its role in fiscal stabilization. These findings contribute to the literature on regional financial governance and adaptive policies to macroeconomic dynamics.
PENGARUH FRAUD TRIANGLE TERHADAP MANAJEMEN LABA PADA PERUSAHAAN MANUFAKTUR SUB SEKTOR FARMASI DI BURSA EFEK INDONESIA (BEI)TAHUN 2021-2023 Sitanggang, Kristin Ayu Putri; Pane, Aditya Amanda; Sari, Warsani Purnama
Investama : Jurnal Ekonomi dan Bisnis Vol 11 No 2 (2025): Investama : Jurnal Ekonomi dan Bisnis
Publisher : Investama : Jurnal Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/investama.v11i2.2479

Abstract

This study aims to determine the effect of the fraud triangle consisting of pressure, opportunity, and rationalization on earnings management practices in pharmaceutical sub-sector manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the 2021–2023 period. The type of research used is quantitative research with an associative approach. This study uses an approach with a purposive sampling technique on 23 companies that meet the criteria, resulting in a total of 69 observations over three years. The results of the study indicate that pressure and opportunity have a positive and significant effect on earnings management, while rationalization does not have a significant effect on pharmaceutical sub-sector manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the 2021–2023 period.
Optimalisasi Limbah Kayu Sungai untuk Kesejahteraan Masyarakat di Desa Wisata Tangkahan Sari, Warsani Purnama; Prayudi, Ahmad; Siregar, Nina Siti Salmaniah; Rosalina, Dhian; Sari, Wardhani Indah; Yusnaini, Yusnaini
Pelita Masyarakat Vol. 7 No. 1 (2025): Pelita Masyarakat September
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/pelitamasyarakat.v7i1.15427

Abstract

Kegiatan pengabdian ini bertujuan untuk meningkatkan pemanfaatan limbah kayu Sungai Batang Serangan sebagai bahan baku alternatif dalam produksi kerajinan masyarakat Desa Sei Serdang, kawasan Ekowisata Tangkahan. Permasalahan mitra meliputi rendahnya pemanfaatan limbah kayu, belum adanya teknik pengawetan kayu yang memadai, serta kurangnya pemahaman digitalisasi pemasaran. Metode pelaksanaan terdiri dari sosialisasi, pelatihan produksi dan pengawetan kayu dengan teknik perendaman dingin, pelatihan pembuatan cinderamata, pelatihan konten pemasaran digital melalui YouTube, serta pendampingan dan evaluasi. Hasil kegiatan menunjukkan bahwa 60% produksi peserta berhasil menggunakan bahan limbah kayu, dan biaya produksi dapat ditekan hingga 26,67%. Mitra juga mampu menyusun SOP pengawetan kayu serta menghasilkan konten pemasaran video secara mandiri. Program ini tidak hanya berdampak pada efisiensi produksi dan peningkatan daya saing produk, tetapi juga turut mendukung pelestarian lingkungan sungai. Kegiatan ini merekomendasikan penguatan lanjutan dalam aspek manajemen usaha dan pemasaran digital berbasis e-commerce agar produk limbah kayu dapat dikembangkan sebagai unggulan Desa Wisata Tangkahan.