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All Journal Jurnal Pengabdian Kepada Masyarakat Patikala Jurnal Penelitian Pendidikan Indonesia International Journal of Business, Economics & Financial Studies Accounting Progress
Zalukhu, Rika Surianto
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Motivation's influence on credit decisions: unveiling the moderating effect of brand awareness in PT Bank Syariah Indonesia Tebing Tinggi branch Sarwoto, Sarwoto; Cen, Cia Cai; Zalukhu, Rika Surianto; Murni, Sri
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 10, No 2 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020243881

Abstract

The number of MSMEs in Indonesia is very large, but the portion of credit financing to MSMEs is still very small when compared to the percentage of the number of MSMEs. Therefore, this study aims to analyze the effect of MSME customer motivation on credit decisions at PT Bank Syariah Indonesia through brand awareness as a moderating variable. This research is a quantitative descriptive study conducted on 250 MSME customers of PT Bank Syariah Indonesia, who have credit with current status and are willing to be respondents. Sampling method with accidental sampling. This study uses primary data collected by questionnaires distributed to respondents. Respondents' perceptions were measured using a Likert scale.  Research with SEM model, data processing with PLS 3.0 smart software. The results showed that motivation and brand awareness has a significant effect on MSME customer credit decisions at PT Bank Syariah Indonesia Tebing Tinggi branch. Brand awareness can be a moderating variable in the influence of motivation on credit decisions of MSME customers of PT Bank Syariah Indonesia Tebing Tinggi Branch.  The implication of this research is targeting the policy of increasing Islamic bank credit financing that is oriented towards brand awareness.
SOSIALISASI MANAJEMEN POLA TANAM DAN PENGELOLAAN KEUANGAN BAGI PETANI MILENIAL BINAAN HKTI KOTA TEBING TINGGI Zalukhu, Rika Surianto; Sinurat, Yenni Mariani; Collyn, Daniel; Purba, Anita; Arseto, Dedy Dwi; Sagala, Yomeini Margaret
Jurnal Pengabdian Kepada Masyarakat Patikala Vol. 2 No. 1 (2022): Jurnal PkM PATIKALA
Publisher : Education and Talent Development Center of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/patikala.v2i1.566

Abstract

Salah satu permasalahan para petani milenial binaan HKTI Kota Tebing Tinggi adalah kurangnya pemahaman tentang strategi manajemen pola tanam dan pengelolaan keuangan usaha tani. Oleh karena itu, kegiatan pengabdian ini dilakukan dengan harapan dapat memberikan kontribusi positif dalam meningkatkan pengetahuan dan wawasan para petani milenial yang mengikuti kegiatan. Kegiatan ini diikuti oleh 32 orang petani milenial binaan HKTI Kota Tebing Tinggi. Kegiatan pengabdian dilaksanakan dalam tiga tahap, yaitu tahap persiapan, tahap pelaksanaan dan tahap evaluasi. Pada tahap evaluasi, pengabdi membagikan kuesioner kepada peserta sebelum dan sesudah pelaksanaan sosialisasi. Hasil evaluasi menunjukkan bahwa kegiatan pengabdian memberikan dampak signifikan dalam meningkatkan pengetahuan dan wawasan peserta pengabdian tentang manajemen pola tanam dan pengelolaan keuangan usaha tani. Peserta memahami arti penting manajemen pola tanam dalam menjamin stabilitas harga dan pasokan yang memberikan keuntungan bagi para petani. Peserta juga memahami arti penting pengelolaan keuangan usaha tani. Bahkan beberapa peserta mampu menyusun laporan keuangan untuk usaha taninya.
Analisis Tingkat Kesehatan Bank Umum BUMN Yang Masuk Dalam Top 1000 World Banks 2024 Versi The Banker Menggunakan Metode RGEC Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Collyn, Daniel; Hutabarat, Metyria Imelda
Accounting Progress Vol. 4 No. 1 (2025): Accounting Progress Edisi Juni 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v4i1.217

Abstract

This study aims to analyze the financial health of state-owned commercial banks (Bank Umum BUMN) included in the Top 1000 World Banks 2024 list by The Banker using the RGEC approach (Risk Profile, Good Corporate Governance, Earnings, and Capital). This is a descriptive quantitative study utilizing secondary data in the form of annual reports from 2021 to 2023, obtained from the official websites of the Indonesia Stock Exchange (IDX) and each respective bank. The risk profile aspect was assessed using the Non-Performing Loan (NPL) ratio, good corporate governance was evaluated based on the self-assessment results of each bank, earnings were analyzed through Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM), while capital was measured using the Capital Adequacy Ratio (CAR). The results showed that during the 2021–2023 period, the four state-owned commercial banks achieved Composite Rating 1 (PK-1), indicating a "very healthy" status. The risk profile and GCG were in the “healthy” category, while the earnings and capital aspects were in the “very healthy” category with positive growth trends, particularly in ROA, ROE, and NIM. These findings indicate that, overall, state-owned commercial banks maintain strong financial performance and health, although there is still room for improvement in risk and governance aspects to align with other financial indicators. This study contributes to stakeholders’ understanding of the stability and long-term sustainability prospects of state-owned banks.
Pengaruh Leverage Dan Likuiditas Terhadap Nilai Perusahaan: Studi Pada Perusahaan Industri, Perdagangan, Jasa dan Investasi di BEI Huatauruk, Rapat Piter Sony; Zalukhu, Rika Surianto; Colyn, Daniel
Accounting Progress Vol. 2 No. 2 (2023): Accounting Progress Edisi Desember 2023
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v2i2.107

Abstract

This study aims to analyze the effect of leverage and liquidity on firm value. The dependent variable of the research is firm value (PBV), while the independent variables of the research are leverage (DAR) and liquidity (current ratio). The research was conducted among companies in the trading, services, and investment industries listed on the Indonesia Stock Exchange (IDX) in 2018. The research population was 145 companies. The research sample consisted of 104 companies. The sampling technique used was purposive sampling technique. This study uses secondary data. The data was analyzed using multiple linear regression analysis methods. The results of the analysis show that leverage has a negative and significant effect on firm value. While liquidity has a negative and insignificant effect on stock prices. Leverage and liquidity simultaneously have a significant effect on firm value.
Pengaruh Earning Per Share (EPS), Return On Equity (ROE), Dan Net Profit Margin (NPM) Terhadap Harga Saham: Studi Pada Perusahaan dalam Indeks LQ45 periode Agustus 2018 hingga Januari 2019 Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Colyn, Daniel; Sudarjah, Gugum Mukdas
Accounting Progress Vol. 2 No. 2 (2023): Accounting Progress Edisi Desember 2023
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v2i2.113

Abstract

The purpose of this study is to analyze the effect of earnings per share (EPS), return on equity (ROE), and net profit margin (NPM) on stock prices. The dependent variable of the study is the stock price while the independent variables of the study are EPS, ROE and NPM. The study was conducted on LQ45 index companies listed on the Indonesia Stock Exchange (IDX) for the period from August 2018 to January 2019. The study population consisted of 45 companies, and the sampling technique used was saturated sampling. This study uses secondary data. The data was analyzed using multiple linear regression analysis methods. The results of the analysis show that earnings per share and return on equity have a partially positive and significant effect on stock prices. While Net Profit Margin has a negative and insignificant effect on stock prices. Earning per share, return on equity and net profit margin simultaneously have a significant effect on stock prices.
Analisis Pengaruh Kepadatan Penduduk dan Pendidikan Terhadap Inklusi Keuangan di Indonesia Collyn, Daniel; Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Sinaga, Murbanto
Accounting Progress Vol. 3 No. 1 (2024): Accounting Progress Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i1.163

Abstract

The financial inclusion index of the Indonesian population has increased; however, there is a gap in financial inclusion and education between urban and rural areas. Therefore, this study aims to determine the influence of population density and education on financial inclusion in Indonesia, both partially and simultaneously. This research was conducted across 34 provinces in Indonesia. The study uses secondary data. The data used includes the financial inclusion index for 2022, obtained online from the Financial Services Authority (OJK) website at https://www.ojk.go.id/id/Default.aspx, as well as literacy rates and population density data for 2022, accessed online from the Central Statistics Agency (BPS) website at https://www.bps.go.id/id. The research data were then analyzed using multiple linear regression analysis methods. The analysis results show that population density has a positive and significant effect on financial inclusion in Indonesia. Meanwhile, education has a positive but not significant effect on financial inclusion in Indonesia. Population density and education simultaneously have a significant effect on financial inclusion in Indonesia. The results of this study imply that policies to enhance financial inclusion need to focus on the development of financial infrastructure in densely populated areas and adopt a comprehensive approach that involves more than just improving education.
Pengaruh Literasi Keuangan, Inklusi Keuangan dan Gender Terhadap Perilaku Pengelolaan Keuangan Pelaku UMKM di Kota Medan Hutauruk, Rapat Piter Sony; Zalukhu, Rika Surianto; Collyn, Daniel; Jayanti, Suci Etri; Sinaga, Murbanto; Damanik, Sri Winda Hardiyanti
Accounting Progress Vol. 3 No. 1 (2024): Accounting Progress Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i1.164

Abstract

The financial literacy and financial inclusion index of the Indonesian population has increased; however, most MSME actors still practice substandard financial management. In fact, financial management is vital for the development of MSMEs. Therefore, this study aims to analyze the influence of financial literacy, financial inclusion, and gender on the financial management behavior of MSME actors, both partially and simultaneously. This study examines three independent variables: financial literacy, financial inclusion, and gender, and one dependent variable: financial management behavior. The research was conducted on MSME actors in Medan City. The research sample consisted of 100 people, selected using a simple random sampling technique. This study used primary data. The research data were obtained through questionnaires distributed to respondents. The data obtained were then analyzed using multiple linear regression analysis methods. The analysis results show that financial literacy, financial inclusion, and gender have a positive and significant effect on the financial management behavior of MSME actors, both partially and simultaneously. The implication of this study is the need to develop inclusive and comprehensive financial education programs, increase access to financial services, and reduce the gender gap in financial access and literacy to improve the quality of financial management of MSMEs.
Pengaruh Tingkat Pendidikan, Faktor Usia dan Gender Terhadap Literasi Keuangan Pelaku UMKM di Kota Medan Zalukhu, Rika Surianto; Hutauruk, Rapat Piter Sony; Collyn, Daniel; Jayanti S., Suci Etri; Sinaga, Murbanto; Damanik, Sri Winda Hardiyanti
Accounting Progress Vol. 3 No. 1 (2024): Accounting Progress Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i1.166

Abstract

The financial literacy index of the Indonesian population has increased, but on the other hand, the number of cases of illegal online loan scams and online trading fraud due to low financial literacy remains very high. Therefore, efforts are needed to improve the financial literacy of MSMEs based on a deep understanding of the factors influencing financial literacy itself. This study aims to determine the effect of education level, age, and gender on the financial literacy of MSME actors, both partially and simultaneously. The research was conducted on MSME actors in Medan City. The research sample consisted of 100 people. The sampling technique used was simple random sampling. This study used primary data sources. Data were obtained through questionnaires distributed to respondents. The research data were then analyzed using multiple linear regression analysis methods. The analysis results show that the education level has a positive and significant effect on the financial literacy of MSME actors in Medan City. Age has a negative and significant effect on the financial literacy of MSME actors in Medan City. Gender also has a negative and significant effect on the financial literacy of MSME actors in Medan City. Furthermore, education level, age, and gender simultaneously have a significant effect on the financial literacy of MSME actors in Medan City. The direct implication of this study is the need for the development of holistic and inclusive financial education and training programs for MSME actors.
Pengaruh Lingkungan Kerja Terhadap Kinerja Karyawan Pada PT. Sumber Rezeki Bersama Melalui Semangat Kerja Sebagai Variabel Intervening Huatauruk, Rapat Piter Sony; Zalukhu, Rika Surianto
Accounting Progress Vol. 3 No. 2 (2024): Accounting Progress Edisi Desember 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i2.199

Abstract

This study aims to examine the effect of the work environment on employee performance through work morale as an intervening variable. The research employs a quantitative method and was conducted on 43 marketing employees of PT. Sumber Rezeki Bersama. The sampling technique used was saturated sampling. Primary data were collected using questionnaires, and respondents' perceptions were measured using a Likert scale. Data analysis was performed using the path analysis method. The results indicate that the work environment has a positive and significant effect on work morale at PT. Sumber Rezeki Bersama. However, the work environment has a negative and insignificant effect on employee performance. Furthermore, work morale has a positive and significant effect on employee performance and mediates the relationship between the work environment and employee performance at PT. Sumber Rezeki Bersama. The direct implication of this study is that the management of PT. Sumber Rezeki Bersama should create a conducive work environment to enhance work morale, as work morale has been proven to mediate the effect of the work environment on employee performance.
Pengaruh E-WOM, Harga Tiket dan Preferensi Wisatawan Terhadap Minat Berkunjung Wisatawan Pada Pantai Mangrove Collyn, Daniel; Zalukhu, Rika Surianto
Accounting Progress Vol. 3 No. 2 (2024): Accounting Progress Edisi Desember 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v3i2.206

Abstract

This study aims to determine the influence of E-WOM, ticket prices, and tourist preferences on tourists' intention to visit Mangrove Beach, both partially and simultaneously. The research employs a quantitative method, examining variables such as visiting intention as the dependent variable and E-WOM, ticket prices, and tourist preferences as independent variables. The study targeted individuals aged 17 and above who have heard about Mangrove Beach but have never visited the site. A total of 96 respondents were sampled using a simple random sampling technique. Primary data were collected through questionnaires, with respondents' perceptions measured using a Likert scale. The data were analyzed using multiple linear regression analysis. The results indicate that E-WOM and ticket prices partially have a positive and significant effect on tourists' intention to visit Mangrove Beach. Tourist preferences, however, partially have a positive but insignificant effect on visiting intention. Furthermore, E-WOM, ticket prices, and tourist preferences simultaneously have a significant influence on visiting intention. The direct implication of this study is that Mangrove Beach managers should leverage digital media to enhance E-WOM, such as encouraging positive reviews on online platforms, as E-WOM significantly influences visiting intention.
Co-Authors Anita Purba Arseto, Dedy Dwi Asmuni Asmuni Astika, Lili Cai Cen, Cia Collyn, Daniel Colyn, Daniel Damanik, Sri Winda Hardiyanti Gugum Mukdas Sudarjah Huatauruk, Rapat Piter Sony HUTABARAT, METYRIA IMELDA Hutauruk, Rapat Piter Sony Isnaini Harahap Jayanti S., Suci Etri JAYANTI, SUCI ETRI Sagala, Yomeini Margaret Sarwoto Sarwoto, Sarwoto Sinaga, Murbanto Sinurat, Mangasi Sinurat, Yenni Mariani Sri Murni Syahputra, Ari