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SOSIALISASI MENGELOLA KEUANGAN USAHA DI PERKUMPULAN PERSATUAN WANITA METHODIST INDONESIA GEREJA METHODIST INDONESIA SUNGAI YORDAN BEKASI Riwandari Juniasti Purnama; Edison Siregar; Lis Sintha Oppusunggu; Fery Tobing
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 3 No. 2 (2021): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v3i2.3382

The purpose of Community Service at the Association of Indonesian Methodist Women (PWMI) of the Jordan River Indonesian Methodist Church which consists of housewives is to provide counseling to the housewives about managing business finances. The approach method used is to provide counseling and education about the introduction of side businesses with small capital, Consumer Behavior in the New Normal Era, Break-Even Point Analysis, and How to Manage Business Profits. The results and implications of this Community Service (PkM) activity are the housewives who are members of PWMI can recognize various types of potential side businesses that can be carried out by housewives with small capital and whose mobility is limited. Knowing what challenges will be faced by business owners to survive while changing consumer/community behavior in meeting their needs during the new normal; gain knowledge in business analysis, break-even points and gain knowledge on how to manage business profits/profits so that operating profits can be used for business development. Keywords: financial literacy, housewife, side business

Peningkatan Literasi terhadap Lembaga Jasa Keuangan Bank pada Masyarakat Kelurahan Cawang Jakarta Timur Riwandari Juniasti Purnama; Edison Siregar; Lis Sintha Oppusunggu; Fery Tobing
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 2 No. 2 (2020): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v2i2.1938

Many people are familiar with banking institutions but not all are able to access banks and utilize banking products and understand the risks they face. Through Community Service activities in Cawang Village, East Jakarta, financial education is conducted to improve public financial literacy in Cawang Village, East Jakarta on financial services, financial services products, and how to get access to financial institutions especially banks, including providing knowledge on how to apply for credit to banks, as well as knowledge about the role of the Financial Services Authority (OJK) and the Deposit Insurance Corporation (LPS). The method used is financial education and to see the results of the impact on the material presented, an evaluation is carried out in the form of pre-test and post-test for participants present in the Kelurahan. The results of the PkM show that the literacy of PkM participants in Cawang Village in East Jakarta is quite good, because they already know OJK. LPS and banks and have transacted at banks. After financial education, 61.30% of participants experienced an increase in literacy. Literacy improvement is also determined by levels of education, age and gender. PkM participants can be said to have knowledge and confidence about financial service institutions and financial products and services, including features, benefits and risks, rights and obligations related to financial products and services Keywords: financial education; financial literacy; banking

Analysis of the Financial Performance of BPR National Sharia Before and During the Covid-19 Pandemic Riwandari Juniasti; Edison Siregar; Fery Tobing
Eduvest - Journal of Universal Studies Vol. 2 No. 8 (2022): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

The COVID-19 pandemic and the implementation of Large-Scale Social Restrictions that occurred in Indonesia resulted in an economic slowdown. Then the problem that is present in the banking sector is the difficulty of debtors in fulfilling their credit obligations. The purpose of this study is to analyze the differences in the performance of the National Sharia BPR before the covid 19 pandemic and during the covid 19 pandemic for the period June 2018 - September 2021. In this study, performance was measured by the asset return ratio (ROA), capital adequacy ratio (CAR), ratio of non-performing loans (NPF), operating expenses to operating income (BOPO), and the ratio of loans to deposits (FDR). The research is included in quantitative research with a comparative type. The data used is secondary data in the form of the financial statements of the National Sharia BPR obtained from www.ojk.co.id. Data analysis in this study used paired sample t-test analysis with the help of the SPSS version 25 program. The results showed that only CAR and NPF had significant differences before and during the COVID-19 pandemic. While ROA, BOPO, and FDR had no significant differences. before and during the covid 19 pandemic.

ANALISIS TERHADAP SOLUSI PENANGANAN KREDIT BERMASALAH DAMPAK PANDEMI COVID 19 PADA PERBANKAN Lis Sintha Oppusungu; Fery Tobing; Edison Siregar; Riwandari Juniasti
Jurnal Ekobis : Ekonomi Bisnis & Manajemen Vol. 13 No. 1 (2023): Jurnal Ekobis: Ekonomi Bisnis dan Manajemen
Publisher : Universitas Teknologi Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37932/j.e.v13i1.646

ABSTRAKTujuan dari penelitian ini adalah untuk mengkaji langkah-langkah yang telah dilakukan bank untuk melakukan restrukturisasi dalam rangka menjaga stabilitas kredit macet (NPL) dan memungkinkan masyarakat untuk kembali ke pembayaran pinjaman normal. Penelitian ini menggunakan metode penelitian kualitatif dengan menggunakan data dari buku, majalah dan situs informasi lainnya, serta menyusun dan menganalisisnya. Dipengaruhi oleh faktor internal dan eksternal, kredit macet tidak hanya berdampak buruk pada debitur, tetapi juga berdampak pada kreditur dan pemberi pinjaman, bahkan dapat mempengaruhi perekonomian suatu negara. Faktor-faktor yang menyebabkan kredit macet atau macet adalah kondisi ekonomi, kebijakan pemerintah, kemauan dan kredit pelanggan, dan keadaan darurat pemerintah. Untuk mengatasi kredit macet tersebut perlu dilakukan penyesuaian posisi keuangan perusahaan dengan melakukan restrukturisasi (penjadwalan ulang) hutang, restrukturisasi dan penyesuaian kembali pinjaman nasabah agar kredit macet dapat diatasi. Pembayaran dengan menutup pinjaman dan atau membayar kredit tepat waktu.

PENINGKATAN PEMAHAMAN AKUNTANSI, PAJAK, PEMASARAN DAN KREDIT BANK BAGI PELAKU UMKM DI WILAYAH KELURAHAN CAWANG JAKARTA TIMUR Riwandari Juniasti Purnama; Fery Tobing; Edison Siregar
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 5 No. 1 (2023): APRIL
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v5i1.4661

Pengabdian kepada Masyarakat ini bertujuan memberikan pemahaman kepada UMKM di wilayah Cawang mengenai akuntansi, pajak, pemasaran dan kredit bank. Diharapkan dengan adanya kegiatan ini, UMKM di wilayah ini dapat mengurus NPWP, mengetahui bagaimana menghitung pajak pribadi dan usaha, melakukan pembukuan , pemasaran dan mempersiapkan diri mengajukan kredit bank. Metode pendekatan yang dilakukan adalah melalui literasi dengan memberikan penyuluhan dan edukasi kepada para UMKM dengan memberikan materi pajak, pembukuan, kredit bank dan marketing. Sebelum dilaksanakan edukasi disebarkan kuesioner. Dari hasil kuesioner diketahui sebagian besar UMKM yang hadir mempunyai usaha kuliner namun belum melakukan penjualan secara online dan melakukan pembukuan. Sebagian besar telah memisahkan uang usaha dan uang keluarga namun sebagian besar belum melakukan pembukuan atas usahanya dan tidak tahu bagaimana cara mengurus NPWP serta menghitung pajak usaha. Setelah dilakukan penyuluhan seluruh peserta menyatakan sudah mengetahui bagaimana mengurus NPWP, 95% sudah mengetahui kewajiban pajak pribadi dan usaha, 95% sudah memahami pembukuan sederhana. 92% mengetahui bagaimana mempersiapkan diri untuk mengajukan kredit ke bank. 97% mengetahui bagaimana caranya mempertahankan pelanggan dan memberikan service excellent. Perlu pendampingan yang berkelanjutan agar peserta dapat mempunyai NPWP, membayar pajak yang menjadi tanggung jawabnya, melakukan pembukuan, pendampingan mengajukan kredit dan dapat .berjualan secara online dengan memberikan pelatihan digital marketing.Kata kunci: literasi dan edukasi, UMKM, akuntansi, pajak, kredit bank

EDUKASI PENERAPAN DIGITALISASI EKONOMI DALAM UPAYA MENINGKATKAN PRODUKTIVITAS UMKM DI WILAYAH KELURAHAN CAWANGJAKARTA TIMUR PADA MASA SETELAH PANDEMI COVID-19 Riwandari Juniasti Purnama; Fery Tobing; Edison Siregar; Julita
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 5 No. 2 (2023): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v5i2.5128

This Community Service aims to provide understanding to MSMEs in the Cawang area regarding the application of economic digitalization to increase the productivity of MSMEs in the region, in particular providing an understanding of QRIS (Quick Response Code Indonesian Standard). It is hoped that these MSMEs will accept payments from their customers through QRIS so that they do not rely on cash payments only. The approach taken is to provide education about the benefits of using QRIS and how to activate it. Regarding payment transactions that are often made, 70% stated that they received payments in cash, meaning that more than half of the participants had not received QRIS. Regarding QRIS, 55% of participants stated that they had heard of it, but 54% stated that they were unfamiliar with it or not at all familiar with it. 72% want to expand payment methods so that they don't only accept cash but also non-cash. 77% said they were interested in knowing more about QRIS, and 72% said they were interested in trying QRIS. After education, participants who are interested in receiving payments with QRIS are directed to activate. Keywords: education, QRIS, UMKM, digitalization.

EDUKASI MENGELOLA KEUANGAN BAGI PELAKU UMKM DI LINGKUNGAN UNIVERSITAS KRISTEN INDONESIA Riwandari Juniasti Purnama; Fery Tobing; Edison Siregar; Trihanna Kezya Rima; Belinda Oktavian
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 6 No. 1 (2024): APRIL
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v6i1.5766

This PKM aims to overcome the problems faced by MSMEs in the UKI environment (canteen) when students are on holiday by focusing on education on managing MSME business finances. When students are on holiday, cafeterias face reduced revenues, inventory surpluses, financial risks, and growth constraints. Therefore, through PKM, we try to overcome this problem through an educational approach. The education carried out is education regarding financial management, simple bookkeeping, digital payment solutions, and online platform activation. From the results of discussions held during the activity, it was found that the majority of participants had not activated online sales using certain platforms, had not separated personal and business finances, had not kept bookkeeping for their business activities, and were still hesitant to use Qris as an alternative payment from buyers. After counseling, participants stated that they wanted to do good bookkeeping, wanted to make sales online, and wanted to use Qris. Continuous assistance is needed so that participants can increase their canteen income through online sales so that when students are on holiday there is no decrease in income, and assistance is needed so that participants can keep their business bookkeeping well so they can know whether their business is profitable and efficient. As well as the need for monitoring the use of Qris from the bank where participants open Qris so that any problems related to Qris can be resolved immediately. Keywords: Education, Financial Management, MSMEs

How does Organizational Citizenship Behavior Influence The Service Quality of Bank Employees During The COVID-19 Pandemic? Evidence From in Bekasi, Indonesia Siregar, Edison; Juniasti, Riwandari; Tobing, Fery
Golden Ratio of Human Resource Management Vol. 4 No. 1 (2024): August - February
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grhrm.v4i1.350

This quantitative study investigates the relationship between organizational citizenship behavior (OCB) and service quality among 168 employees working in Bank Perkreditan Rakyat (BPR) establishments in East Bekasi, Indonesia. The research employs linear regression analysis to examine the extent to which OCB influences service quality within the context of BPRs. The sample was drawn from various BPRs in East Bekasi, utilizing structured surveys to collect data on employees' OCB and perceived service quality. The findings reveal a significant and positive relationship between organizational citizenship behavior and service quality. Specifically, employees who exhibit higher levels of OCB tend to contribute positively to the quality of services provided by BPRs. These results underscore the importance of fostering a culture of OCB within BPRs to enhance service quality and meet customer expectations effectively. The implications of this study extend to BPR managers and policymakers, highlighting the importance of promoting and incentivizing OCB among employees as a strategy for improving service quality and maintaining competitiveness in the financial services sector. Further research is recommended to explore additional factors that may influence the relationship between OCB and service quality and to validate the findings in different organizational contexts and geographical locations.

How does Organizational Citizenship Behavior Influence The Service Quality of Bank Employees During The COVID-19 Pandemic? Evidence From in Bekasi, Indonesia Siregar, Edison; Juniasti, Riwandari; Tobing, Fery
Golden Ratio of Human Resource Management Vol. 4 No. 1 (2024): August - February
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grhrm.v4i1.350

This quantitative study investigates the relationship between organizational citizenship behavior (OCB) and service quality among 168 employees working in Bank Perkreditan Rakyat (BPR) establishments in East Bekasi, Indonesia. The research employs linear regression analysis to examine the extent to which OCB influences service quality within the context of BPRs. The sample was drawn from various BPRs in East Bekasi, utilizing structured surveys to collect data on employees' OCB and perceived service quality. The findings reveal a significant and positive relationship between organizational citizenship behavior and service quality. Specifically, employees who exhibit higher levels of OCB tend to contribute positively to the quality of services provided by BPRs. These results underscore the importance of fostering a culture of OCB within BPRs to enhance service quality and meet customer expectations effectively. The implications of this study extend to BPR managers and policymakers, highlighting the importance of promoting and incentivizing OCB among employees as a strategy for improving service quality and maintaining competitiveness in the financial services sector. Further research is recommended to explore additional factors that may influence the relationship between OCB and service quality and to validate the findings in different organizational contexts and geographical locations.

Meningkatkan Minat Berwirausaha bagi Siswa Siswi SMKS Jakarta Timur I Riwandari Juniasti Purnama; Fery Tobing; Indra Gunawan; Trihanna Kezya
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 7 No. 2 (2025): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v7i2.7384

This Community Service Program was carried out by the lecturers of the Applied Finance Study Program, Faculty of Vocational Studies, Universitas Kristen Indonesia at SMKS Jakarta Timur I. The purpose was to describe students’ entrepreneurial interest while also providing entrepreneurship education. The method involved distributing questionnaires to 34 students and conducting an interactive seminar consisting of lectures, discussions, and a question-and-answer session. The survey results showed that all respondents were interested in entrepreneurship, but most had not yet established their own businesses. Twenty respondents had tried running a business but stopped, while eight had never started one. The main obstacles were fear of failure, limited capital, and a lack of entrepreneurial knowledge. In addition, the majority of students considered that the entrepreneurship lessons provided by the school were still inadequate. Through seminars and discussions, students gained new insights into the importance of business planning, the courage to take risks, and the use of digital technology. This PKM concludes that although students’ entrepreneurial interest is high, practical education, mentoring, and access to capital are essential to better prepare them for realizing their future businesses. Keywords: Entrepreneurship, Vocational High School Students, Entrepreneurial Interest.

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