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All Journal BISNIS: Jurnal Bisnis dan Manajemen Islam Journal of Social Responsibility Projects by Higher Education Forum
Tetty Yuliaty
Universitas Sumatera Utara, Medan
Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Electrical & Electronics Engineering Energy Engineering Industrial & Manufacturing Engineering Materials Science & Nanotechnology Mathematics Social Sciences

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Agen Branchless Banking Untuk Mencapai Masyarakat Bankable Tetty Yuliaty; Arlina Nurbaity Lubis
BISNIS Vol 5, No 2 (2017): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v5i2.3016

Abstract

The potential of Branchless banking is good enough for revolution of payment system in the emerging markets. Which aims to expand financial services to unbanked communities and provide a platform to contact MSMEs to the global economy can be achieved. Bank Indonesia (BI) targets the percentage of people reaching bankable services to reach 50% by 2019. By the end of 2014, the new bankable group reaches 36%. Meanwhile, as many as 64% are unreached groups of services from banks (unbankable), now our society tend to have mind-minded economy mindset. For that, need an increase from the side of savings. Digital financial services (LKD) such as Branchless Banking initiated by Bank Indonesia may be part of this intermediation. Some of the reasons that make the unbankable group exist, ie they do not understand how to open an account. In addition, people may also prefer to save themselves, shy with the formalities, or they are no money. Branchless Banking Agent as one of the elements in the implementation of Branchless Banking very need to be studied existence. To assist this research, and also use primary data needed and secondary in the implementation, in-depth interviews, observation and other in reviewing this qualitative research. The purpose of this study was to determine whether branchless banking agents were able to reach the bankable community. Methods of data collection in this study are, documentation studies, Direct observation, Indepth interview Open Questions, as well as provide a question sheet to the respondents and other sources. Qualitative Data Analysis Method used in this research is successive approximation method. The results of this study indicate that Agent Banking is able to become one of the elements in achieving Bankable society, where with its existence, its proximity and intensity with unbanked communities, can slowly increase bankable society.
Pemanfaatan Aplikasi Keuangan di Smartphone untuk Manajemen Keuangan Usaha Pada Kelompok PKK Kelurahan Rambung Barat Fuzy Yustika Manik; Dewi Sartika Br. Ginting; Tetty Yuliaty
Journal of Social Responsibility Projects by Higher Education Forum Vol 2 No 2 (2021): November 2021
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (612.494 KB) | DOI: 10.47065/jrespro.v2i2.942

Abstract

The purpose of this service is to provide training and assistance to PKK members to be able to manage finances and manage business finances. The method used is a social approach. Where the preparation stage is carried out by conducting surveys and observations to identify problems and analyze the situation and community needs. Then carried out the implementation stage with two main activities, namely training and mentoring. During the training, PKK members were given knowledge in financial management and practical financial management with applications. Assistance is provided when participants practice directly using the application. Based on the evaluation carried out, it is known that the results of this service have increased the knowledge of PKK members about financial management with an average posttest score of 70. Through the assistance carried out, each PKK member already has an account in one of the applications. financial management, and can be used for recording every transaction, debt to recording stock of goods that are still available
Co-Authors Arlina Nurbaity Lubis Dewi Sartika Br Ginting Fuzy Yustika Manik