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All Journal Jurnal Pengabdian Kepada Masyarakat Patikala Jurnal Penelitian Pendidikan Indonesia Accounting Progress
Zalukhu, Rika Surianto
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Humanities 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): ABDIMAS PATIKALA
Publisher : Education and Talent Development Center of Indonesia (ETDC 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.
Co-Authors Anita Purba Arseto, Dedy Dwi Cai Cen, Cia Collyn, Daniel HUTABARAT, METYRIA IMELDA Hutauruk, Rapat Piter Sony Sagala, Yomeini Margaret Sarwoto Sarwoto, Sarwoto Sinurat, Yenni Mariani Sri Murni