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All Journal Jurnal Widya JIFTECH: Journal Of Islamic Financial Technology Indonesian Research Journal on Education Innovative: Journal Of Social Science Research Jurnal Riset Perbankan Syariah PUBLIDIMAS Community Service Progress
Kadariah, Siti
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Religion Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Public Health Social Sciences Other

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Pemberdayaan UMKM Melalui Digitalisasi Pemasaran dan Penguatan Potensi Desa di Desa Laut Tador, Kabupaten Batu Bara Sarwoto, Sarwoto; Kadariah, Siti; Nursaimatussadiya, Nursaimatussadiya; Sinaga, Eka Mayastika; Fitrianingsih, Fitrianingsih; Wahyudi, Dani Agus; Sari, Tri Widya; Fadilla, Naila; Camelia, Antis
Community Service Progress Vol. 4 No. 2 (2025): Community Service Progress Edisi Desember 2025
Publisher : STIE Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/csp.v4i2.268

Abstract

The Community Service Program (KKN) is a form of community service conducted in Laut Tador Village, Batu Bara Regency. The main objective of this program is to address issues faced by the community, particularly limited knowledge of business management and product marketing for MSMEs, as well as environmental management. Implementation methods used include observation, coordination with village officials, direct mentoring of MSMEs, outreach, and community activities such as mutual cooperation. The main outcomes of this program are: 1) Three local MSMEs (Palm Palm Sugar, Palm Palm Sugar, and Etawa Goat Milk) were successfully developed through the creation of new packaging, logos, promotional banners, and location registration on Google Maps to expand market reach. 2) Environmental awareness was increased through the installation of educational waste signs and the provision of separate trash bins at SDN 06 Laut Tador. 3) Village potential was strengthened by installing signs indicating tourist directions to Lake Laut Tador. 4) The establishment of a Family Medicine Garden (TOGA) to increase public health awareness. These activities have had a positive impact on MSME independence and village community awareness.
Pengaruh Pembiayaan Murabahah dan Literasi Keuangan terhadap Kesejahteraan Nasabah UMKM Hidayatul Rezzaini; Kadariah, Siti; Riski, Bagus
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8726

Abstract

Abstrak. Penelitian ini dilatarbelakangi oleh pentingnya peningkatan kesejahteraan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) sebagai indikator keberhasilan pembangunan ekonomi inklusif, serta peran strategis perbankan syariah melalui pembiayaan murabahah dan peningkatan literasi keuangan. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan murabahah dan literasi keuangan terhadap kesejahteraan nasabah UMKM. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik pengumpulan data melalui kuesioner kepada 167 responden nasabah UMKM penerima pembiayaan murabahah di PT Bank Sumut Syariah KCP HM. Joni. Data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa pembiayaan murabahah berpengaruh positif dan signifikan terhadap kesejahteraan nasabah dengan nilai t hitung sebesar 7,624, sedangkan literasi keuangan memberikan pengaruh yang lebih dominan dengan nilai t hitung sebesar 11,721. Secara simultan, kedua variabel berpengaruh signifikan terhadap kesejahteraan dengan nilai F hitung sebesar 104,699 dan nilai Adjusted R² sebesar 0,555. Temuan ini mengimplikasikan bahwa peningkatan literasi keuangan nasabah perlu menjadi fokus utama perbankan syariah agar pembiayaan murabahah dapat dimanfaatkan secara optimal dan berkelanjutan dalam meningkatkan kesejahteraan UMKM.    Abstract. This study is motivated by the importance of improving the welfare of Micro, Small, and Medium Enterprises (MSMEs) as an indicator of inclusive economic development, as well as the strategic role of Islamic banking through murabahah financing and financial literacy enhancement. This study aims to analyze the effect of murabahah financing and financial literacy on the welfare of MSME customers. A quantitative approach was employed, with data collected through questionnaires distributed to 167 MSME customers receiving murabahah financing at PT Bank Sumut Syariah KCP HM. Joni. The data were analyzed using multiple linear regression. The results indicate that murabahah financing has a positive and significant effect on customer welfare, with a t-value of 7.624, while financial literacy shows a stronger influence, with a t-value of 11.721. Simultaneously, both variables significantly affect welfare, as evidenced by an F-value of 104.699 and an Adjusted R² of 0.555. These findings imply that strengthening financial literacy should be a key focus for Islamic banks to ensure that murabahah financing is utilized more effectively and sustainably in improving MSME welfare.
Co-Authors Anugrah, Bima Batubara, Rizki Wulanita binti Noor Azman, Fathi Khalilah Camelia, Antis Dewi, Indah Purnama Fadilla, Naila Faransiska, Faransiska Fitrianingsih Fitrianingsih Hidayatul Rezzaini Husniyah, Nisrina Idris Saleh Ketaren, Abednego Lubis, Abdillah Fenorian Muhammad Ridwan Nazli, Putri Nst, M. Kharulipanda Nursaimatussadiya, Nursaimatussadiya Purba, Rakhmawati Riski, Bagus Santoso, Pratiwi Aprilya Saragih, Naumi Salsabillah Sari, Tri Widya Sarwoto Sarwoto, Sarwoto Sepvira, Bulan Siahaan, Rumiris Sinaga, Eka Mayastika Siregar, Satya Pranaja Victor Victor Wahyudi, Dani Agus