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All Journal BIOTROPIA - The Southeast Asian Journal of Tropical Biology Jurnal Ilmu Politik & Pemerintahan Lokal Jurnal Diskursus Islam Jurnal Online Mahasiswa (JOM) Bidang Teknik dan Sains JURNAL KOLABORASI Pro Food JOIV : International Journal on Informatics Visualization Jurnal Konstitusi JOURNAL OF MECHANICAL ENGINEERING, MANUFACTURES, MATERIALS AND ENERGY Jurnal Ilmiah Universitas Batanghari Jambi Cyberspace: Jurnal Pendidikan Teknologi Informasi EKONOMIS : Journal of Economics and Business BAREKENG: Jurnal Ilmu Matematika dan Terapan Mesin INTECOMS: Journal of Information Technology and Computer Science SEIKO : Journal of Management & Business RISTEKDIK : Jurnal Bimbingan dan Konseling JURNAL PENDIDIKAN TAMBUSAI Jurnal Basicedu International Journal of Natural Science and Engineering Jurnal Segara Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi Value: Jurnal Manajemen dan Akuntansi Jurnal Mekanova : Mekanikal, Inovasi dan Teknologi Matrik : Jurnal Manajemen dan Teknik Industri Produksi Jurnal Ilmiah Teknik Mesin "MEKANIK" Jurnal Vokasi Jurnal Ilmiah Manusia dan Kesehatan Jurnal Sosial Humaniora Sigli Community Engagement and Emergence Journal (CEEJ) Jurnal Terapung : Ilmu - Ilmu Sosial Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Perangkat Lunak JURNAL TEKNIK SIPIL UNAYA Jurnal Ilmu Administrasi dan Studi Kebijakan (JIASK) Indomera : Jurnal Magister Manajemen International Journal on Social Science, Economics and Art Al-Madaris Jurnal Pendidikan dan Studi Keislaman Narra J Journal of Applied Sciences, Management and Engineering Technology (JASMET) Stock Peternakan Dharmas Education Journal (DE_Journal) Jurnal Media Informatika Journal of Research in Instructional International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) MAKILA: Jurnal Penelitian Kehutanan Proceeding International Seminar of Islamic Studies Brilliance: Research of Artificial Intelligence Al-Fashahah: Journal of Arabic Education, Linguistics, and Literature Journal of Ocean, Mechanical and Aerospace -science and engineering- (JOMAse) JITU (Jurnal Ilmiah Teknik Unida) Journal of Agritechnology and Food Processing Locus Journal of Academic Literature Review Jurnal Transparansi Publik (JTP) GALENICAL : Jurnal Kedokteran dan Kesehatan Mahasiswa Malikussaleh Catimore: Jurnal Pengabdian Kepada Masyarakat International Journal of Public Administration Studies Jurnal Basicedu Syarah: Jurnal Hukum Islam dan Ekonomi Jurnal Pengabdian Masyarakat Bhinneka Jurnal Ilmiah Hukum dan Hak Asasi Manusia Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) ANTHOR: Education and Learning Journal INJURITY: Journal of Interdisciplinary Studies Jumper : Journal of Educational Multidisciplinary Research Jurnal Penelitian Ilmu Pendidikan Indonesia Journal of Artificial Intelligence and Digital Business Jurnal Natural Al-Hiwalah : Journal Syariah Economic Law International Journal of Disaster Management Al Mabhats : Jurnal Penelitian Sosial Agama Jurnal Keperawatan dan Kesehatan (JKK) Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Litek : Jurnal Listrik Telekomunikasi Elektronika Jurnal Kedokteran Hewan JBSI: Jurnal Bahasa dan Sastra Indonesia Jurnal Pengabdian Masyarakat Bangsa Jurnal Teknologi dan Mutu Pangan SAGA: Journal of Technology and Information Systems Depik Jurnal Ilmu-Ilmu Perairan, Pesisir dan Perikanan Conscilience: Jurnal Penelitian dan Pengabdian Masyarakat Journal of Educational Review and Cultural Studies Jurnal Riset Ilmu Teknik Proksima J-SIGN (Journal Of Informatics, Information System, And Artificial Intelligence) Majority Science Journal Grimsa Journal of Science Engineering and Technology AMNESIA (JURNAL MANAJEMEN SUMBER DAYA MANUSIA) Jurnal Edukatif PEDAMAS (Pengabdian Kepada Masyarakat) BATOBO: Jurnal Pengabdian Kepada Masyarakat Ibrah: Jurnal Pengabdian kepada Masyarakat AHDÃF: Jurnal Pendidikan Agama Islam Jurnal Al-Ilmi Nursing Genius Journal Depik Jurnal Ilmu-Ilmu Perairan, Pesisir, dan Perikanan Jurnal Solusi Masyarakat (JSM) Asian Journal of Social and Humanities Jurnal Polimesin Jurnal Medika Veterinaria WISDOM : Jurnal Pengabdian Kepada Masyarakat Wisdom Journal of Social Work and Science Education Jurnal Solusi Masyarakat Dikara Karya Kesehatan Journal of Community Engagement Suluah Pasaman JURNAL REKAYASA KIMIA & LINGKUNGAN Journal of Community Service Economic and Business Horizon ANTHOR: Education and Learning Journal Azkia : Jurnal Aktualisasi Pendidikan Islam Welfare: Jurnal Pengabdian Masyarakat Journal of Politics, Governance and Administration
N. Nazaruddin
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other

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Pelatihan Pengembangan Usaha Melalui Pembaruan Desain Label Kemasan Pada UMKM Kacang Telur di Lappacinrana Kabupaten Sinjai Yunita, A Reski; Nazaruddin, Nazaruddin
Welfare : Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2023): Welfare : June 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v1i2.509

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are community economic activities that stand alone, are small scale, and are managed by community groups or families. The product label is the identity of a product that will be marketed. Product labels can make it easier for consumers to choose the product they want to buy and become a business brand booster in an increasingly competitive industry. Therefore, labels are very important so that these products can be recognized by the general public. Lack of interest and a market reach that is not too broad make this business not very well known among the general public. This is influenced by elements of product sales such as service quality, product, marketing, and packaging, which also support each other. After going through several innovations, it is certain that sales will increase and consumer interest in these pastries will increase. Existing social media can also be used to make sales. The business activities that are owned have developed. This is evidenced by the response of business actors who say that the marketing sector for their products is starting to expand and that their products are starting to be recognized by their buyers due to the display of labels on the packaging of their business products.
PENGEMBANGAN DAUN KELOR UNTUK MENINGKATKAN PEREKONOMIAN DI PASANTREN RUHUL FALAH SAMAHANI ACEH BESAR Salahuddin, Salahuddin; Samsul Bahri; Safiah, Safiah; Yenny Novita; Rini Susiani; Almukarramah; Nazaruddin, Nazaruddin; Sri Untari Puji Rejeki
PEDAMAS (PENGABDIAN KEPADA MASYARAKAT) Vol. 1 No. 03 (2023): SEPTEMBER 2023
Publisher : MEDIA INOVASI PENDIDIKAN DAN PUBLIKASI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Dayah Ruhul Falah didirikan pada tahun 2003 oleh Al Fadhil Tgk.H.Ibrahim Hasyim, didirikan diatas tanah wakaf seluas 4500 m2 dengan jumlah 800 orang santri dari berbagai wilayah Aceh seperti Aceh Utara, Pidie, Aceh Besar dan Banda Aceh. Seiring dengan perkembangan waktu dan kemajuan yang semakin mengglobal, pesantren belum menunjukkan kemajuan yang signifikat, hal ini disebabkan karena pesantren masih memiliki tantangan mulai dari pengelolaannya, kurikulum yang diberlakukan serta fasilitas yang dimiliki masih sangat terbatas dan sumber dana yang minim. Kemampuan para pengelola pesantren dalam melakukan inovasi, menjadi syarat bagi upaya mengarahkan perubahan lembaga pesantren menjadi lebih maju dalam meningkat dan kemandirian dalam keuangan untuk melakukan perubahan-perubahan tersebut. Selama ini pengelolaan dana keuangan yang berkaitan dengan aktivitas yang di jalani pada pasantren Ruhul Falah baik honor tenaga pendidik dan keperluan lain secara umum yang bersumber pembiayaan yang berasal dari orang tua santri, pemerintah dan lembaga swasta. Pasantren Ruhul Falah yang berdiri semenjak tahun 2003 belum ada badan usaha milik pasanten yang dikelola di bawah pasantren maka perlu dilakukan pelatihan dan edukasi kepada pengurus dan santri yang berada di dayah tersebut dengan pembuatan kueh, pengembangan daun kelor menjadi ekonomi. Kegiatan pengabdian ini dilakukan dengan tujuan untuk meningkatkan pengetahuan dan ketrampilan bagi peserta pelatiahan untuk menjadi wirausah yang mandiri. Cara yang kami lakukan dengan ceramah, tanya jawab, praktek dan demontrasi dan latihan kelompok. Progaram ini diawali dengan tahap persiapan dengan melakaukan pembentukan tim panitia pengabdian keapada masyarakan dengan melakukan koordisasi anggota tim dengan tujuan untuk memudakan dalam melakukan sosialisasi kepada dosen-dosen perguruan tinggi lain yang mau ikut bergabung dalam kelompok pengabdian kepada masyarakat. Dalam pengabdian kepada masyarakat ini target yang ingin dicapai adalah pemahaman tentang daun kelor dan ketrampilan dengan budidaya pada lahan yang belum dimannfaatkan oleh Pasantren Ruhul Falah sehingga dapat meningkatkan perekonomian di Pasantren Ruhul Falah Samahani Aceh Besar.
The Simulation Of Drop-Weight Impact Test On Ramie-Eglass Hybrid Fiber Composite For Jaloe Kayoh Wall Material Tamlicha, akram; Rizal, Samsul; Hasanuddin, Iskandar; Noor, Muhamad Mat; Ikramullah, Ikramullah; Nazaruddin, Nazaruddin
Jurnal Polimesin Vol 22, No 1 (2024): February
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/jpl.v22i1.4645

Abstract

The purpose of this study is to simulate drop-weight impact tests on hybrid fibre composites made of ramie and Eglass, which are used to make the traditional Acehnese boat wall material for jaloe kayoh. Using composites of ramie-Eglass fiber hybrid in the construction of jaloe kayoh wall material will significantly enhance the strength, durability, and sustainability of traditional Acehnese boats. The simulation was carried out using the finite element method approach using the Abaqus software. Three distinct laminate layer configurations—three layers (GRG), five layers (GRGRG), and six layers (GRGGRG)—with alternating Eglass and ramie fibres make up the test specimens. The ends of the specimen are set with fixed support to ensure boundary conditions, which limit all active structural degrees of freedom on all sides of the specimen. According to simulation results, the specimen with six laminate layers, measuring 12.498 mm, had the largest displacement. The specimen with six laminate layers has the highest stress concentration, measured at 560.6 MPa, while the specimen with three layers has the highest strain concentration, measured at 0.023. Its indicating that the lamina variation can influence the structural performance of the jaloe kayoh material. This research contributes to understanding the potential of ramie-Eglass hybrid fiber composites to enhance the safety and durability of traditional vessels such as jaloe kayoh. The implications of the results can serve as a foundation for the development of superior structural materials in the future.
SISTEM REKOMENDASI PEMILIHAN PROGRAM STUDI BERBASIS HYBRID MENGGUNAKAN PENDEKATAN DEEP LEARNING Misbullah, Alim; Akbar, Mufid; Nazaruddin, Nazaruddin; Farsiah, Laina; Husaini, Husaini; Zulfan, Zulfan
CYBERSPACE: Jurnal Pendidikan Teknologi Informasi Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/cj.v9i1.28944

Abstract

Education plays a critical role in shaping career decisions for the future. However, many students encounter difficulties in selecting suitable academic programs, often stemming from a lack of confidence in their ability to make appropriate decisions. Consequently, students may choose study programs that do not align with their personal characteristics. This study emphasizes the importance of providing comprehensive information about various academic programs offered in higher education and developing tools to assist prospective students in making informed decisions. To address these challenges, a recommendation system using Hybrid Filtering technology has been developed. The system integrates Content-Based Filtering and Collaborative Filtering methods within the TensorFlow Recommenders System (TFRS) framework. The study utilized data from undergraduate students of the Faculty of Mathematics and Natural Sciences (FMIPA) across seven academic programs. By employing 10 features representing students' interests and talents, the recommendation system generated accurate and tailored suggestions for study programs. The model was trained and evaluated using both real and augmented (augmented) datasets with predefined hyperparameters. Results demonstrated that using only the real dataset achieved a Top-1 accuracy of 0.59 and a Top-5 accuracy of 0.97. When incorporating the augmented dataset, the Top-1 accuracy improved to 0.66, while the Top-5 accuracy reached 1.0. The findings reveal that combining real and augmented datasets enhances average accuracy by approximately 10% compared to using the real dataset alone. Additionally, the study program recommendations produced by the model showed significant improvement in quality. A web-based recommendation system utilizing the TFRS model was developed and positively evaluated by FMIPA students. User feedback indicated high satisfaction with the system's recommendations, demonstrating its effectiveness in guiding students toward suitable academic programs.
Pengaruh Kegiatan Muhadharah Terhadap Kecerdasan Linguistik dan Kepercayaan Diri Peserta Didik Faramita, Faramita; Firdaus, Firdaus; Nazaruddin, Nazaruddin
Jurnal Al-Ilmi Jurnal Riset Pendidikan Islam Vol 4 No 02 (2024): Maret
Publisher : Universitas Islam Ahmad Dahlan (UIAD)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47435/al-ilmi.v4i02.2702

Abstract

Penelitian ini bertujuan untuk 1) membuktikan pengaruh kegiatan muhadharah terhadap kecerdasan lingustik, 2) untuk membuktikan pengaruh kegiatan muhadharah terhadap kepercayaan diri peserta didik di MA Tahfidz Kaisa Kecamatan Tonra Kab. Bone.Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian ex post facto menggunakan causal comparative research (penelitian kausal komparatif). Pendekatan penelitian pendekatan kuantitatif. Subyek penelitian yakni peserta didik kelas XI MA Tahfidz Kaisa Kecamatan Tonra Kab. Bone. Pengumpulan data yang digunakan angket. Tekik analisis data yang digunakan uji regresi linear sederhana dengan menggunakan bantuan SPSS 25. Hasil penelitian yaitu: 1) Kegiatan Muhadharah berpengaruh terhadap Kecerdasan Kecerdasan Linguistik sebesar 62,0% pada kategori tinggi. 2) Kegiatan Muhadharah berpengaruh terhadap Kecerdasan kepercayaan diri sebesar 78,8% pada kategori Tinggi.
The Relationship Between Students Interest in Learning and Their Achievement in Islamic Cultural History Vadila, Fara; Yanti, Hernina; Nazaruddin, Nazaruddin; Abdi, Hamdani; Khoiriyati, Wildatun Rizka; Asrida, Asrida
Suluah Pasaman Vol 1 No 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam YDI Lubuk Sikaping

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70588/suluahpasaman.v1i1.106

Abstract

Education plays a role in shaping individuals. In Islamic religious education, the Islamic Cultural History subject has an important role in forming students' religious character and skills. Student interest in learning is a key factor in increasing the effectiveness of learning Islamic Cultural History. This research aims to explore the relationship between students' interest in learning and learning outcomes in the History of Islamic Culture at Madrasah Tsanawiyah. Through in-depth analysis, this research will reveal the extent to which students' interest in learning can influence their achievement of learning outcomes in the Islamic Cultural History subject. From the results of research conducted by the author at the Madrasah Tsanawiyah, it can be concluded that class VIII students' interest in learning at the Madrasah Tsanawiyah, class VIII students at the Madrasah Tsanawiyah are in the medium category with a percentage of (61%). Second, is there a relationship between interest in learning and student learning outcomes in the History of Islamic Culture class VIII subject at Madrasah Tsanawiyah. The result is that there is a very significant relationship between interest in learning and the learning outcomes of Islamic Cultural History students at Madrasah Tsanawiyah, namely 0.213 with a percentage of 21.3% while the remaining 78.7% is caused by other factors.
The Influence of the Ability to Read the Quran on Learning Outcomes in High School Raniza, Yuratika; Nazaruddin, Nazaruddin; Andahurifky, Andahurifky; Nurhaliza, Pioni; K, Munawir; Dahliana, Dina
Suluah Pasaman Vol 1 No 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam YDI Lubuk Sikaping

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70588/suluahpasaman.v1i1.119

Abstract

The personality competence of teachers plays a crucial role in shaping students' learning experiences and motivation. This study aims to analyse the personality competence of Islamic Education teachers at Senior High Schools and its correlation with student learning motivation. This research employs a quantitative approach to analyse the influence of the ability to read and write the Quran on learning outcomes in Islamic education subjects for Class XI students at High Schools. Data were collected from 44 randomly selected students using a Likert scale to measure attitudes, opinions, and perceptions regarding learning methods. The data were analysed using simple linear regression and correlation coefficients. The results of the study show that the ability to read and write the Quran has a significant positive influence on learning outcomes. The hypothesis test results indicate that the significance value (sig) is 0.783, which is greater than 0.05 (0.783 > 0.05), leading to the acceptance of Ho and rejection of Ha. The correlation test results further demonstrate a positive and significant relationship between students' ability to read and write the Quran and their learning outcomes in Islamic education. This suggests that enhancing students' Quranic reading and writing skills can positively impact their academic performance in Islamic education subjects.
Analisis Kepuasan Pasien Terhadap Kualitas Pelayanan Rawat Jalan Rumah Sakit X Menggunakan Service Quality Metode Costumer Statisfaction Index (CSI) dan Importance Performance Analysis (IPA) Saputri, Anggi Lisa; Lubis, Fitriani Surayya; Suherman, Suherman; Nazaruddin, Nazaruddin; Nur, Muhammad
Jurnal Ilmiah Universitas Batanghari Jambi Vol 24, No 2 (2024): Juli
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v24i2.5409

Abstract

This study aims to evaluate the level of customer satisfaction with outpatient services at Hospital X and identify areas that require improvement. The results of data processing show that the customer satisfaction index (CSI) value obtained is 76.435%, which is included in the "Satisfied" category. However, there are still a number of patients who are dissatisfied with the services they receive, so efforts are needed to improve the quality of outpatient services. Meanwhile, the results of further analysis using the importance performance analysis (IPA) method reveal attributes that require special attention. The attributes are in Quadrant I of the Cartesian IPA diagram, which shows improvement priorities. Recommendations for improvement include adding facilities such as drinking water stations, children's play areas, and spare chairs for patients queuing. Apart from that, it is necessary to design standard operating procedures (SOP) that are in accordance with doctors' schedules to avoid schedule conflicts, as well as regular training regarding service excellence for medical personnel and hospital staff. The implementation of these recommendations is expected to increase patient satisfaction with outpatient services at Hospital X.
PENDAMPINGAN PENYUSUNAN INSTRUMEN PENILAIAN PROYEK UNTUK PENGUATAN LITERASI DAN NUMERASI SISWA SD DI KOTA BANJARMASIN KALIMANTAN SELATAN Darmiyati, Darmiyati; Sunarno, Sunarno; Mahmuddin, Mahmuddin; Syadzali, Akhmad; Dewantara, Dede; Nazaruddin, Nazaruddin
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 5 (2024): Vol. 5 No. 5 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i5.34172

Abstract

signifikan dalam skor literasi dan numerasi Indonesia, termasuk di Provinsi Kalimantan Selatan dan Kota Banjarmasin. Penelitian ini bertujuan untuk meningkatkan kompetensi guru dalam merancang dan menerapkan asesmen berbasis proyek untuk literasi numerasi. Melalui pelatihan offline selama dua bulan yang melibatkan guru kelas 1 dan 2 Sekolah Dasar di Kota Banjarmasin. Penelitian ini menemukan peningkatan signifikan dalam pemahaman dan keterampilan guru. Sebelum pelatihan di berikan pretest meliputi materi Strategi penguatan literasi dan numerasi di sd sebesar 50%, literasi dan numerasi matematika di sd sebesar 45%, jenis dan teknik penilaian berbasis proyek 55% dan implementasi instrumen penilaian proyek sebesar 40%. Setelah pelatihan keterampilan guru dalam membuat instrumen proyek membuat modul ajar meningkat pada Strategi penguatan literasi dan numerasi di sd sebesar 87%, literasi dan numerasi matematika di sd sebesar 86%, jenis dan teknik penilaian berbasis proyek 87% dan implementasi instrumen penilaian proyek sebesar 84%. Dan rata rata nilai sebelum di berikan pelatihan sebesar 47.5 dan sesudah pelatihan sebesar 86. Pendampingan dan Pelatihan dapat meningkatkan proses dan perbaikan pembelajaran. Sehingga dapat meningkatkan meningkatkan kualitas pendidikan dasar dan mendukung pencapaian standar pendidikan nasional.
Competitive strategy to increase rural saving in micro segment of PT Bank Rakyat Indonesia Tbk branch office Medan Iskandar Muda Ferdiantes, Ferdiantes; Nazaruddin, Nazaruddin; Sembiring, Meilita Tryana; Sriwardany, Sriwardany; Fadhilah, Dita Deviana
International Journal on Social Science, Economics and Art Vol. 14 No. 1 (2024): May: Social Science, Economics
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijosea.v14i1.441

Abstract

The growth of credit disbursements is expected to coincide with the growth of rural saving. However, credit growth is currently higher. This study aims to analyze the competitive strategy of PT Bank Rakyat Indonesia Tbk Branch Office Medan Iskandar Muda in improving rural saving. The location of this research was determined purposively, that the location chosen was a branch which was the largest bigbond in the Medan region. This research is qualitative research using descriptive methods to conduct data analysis. Analysis of competitive strategies in this study was carried out using the concept of Porter's Five Forces. The results of the analysis found that the competitive advantage lies in the network owned by PT Bank Rakyat Indonesia Tbk Branch Office Medan Iskandar Muda as well as the existence of individual customers and Micro, Small and Medium Enterprises. Our interviews with micro debtors found that most of the funds were used for business and consumption expenditures in wholesalers, traditional markets, supermarkets and large agents, while a small part was for savings and repayments. So that with its competitive advantage, the mastery of acceptance in wholesalers, markets, supermarkets and large agents will increase rural saving.
Co-Authors . Zulfan AA Sudharmawan, AA Abd, Misswar Abd, Miswar Abda Abda Abda, Aya Sofia Abdi, Hamdani Abdullah Hamzah, Abdullah Abdurrahmansyah Abdurrahmansyah, Abdurrahmansyah ABRIANO, NOVA Achmad, Fariz Afifi, Muhammad Ridho Afrizal, Efi Agustin, Rika Nurmida ahmad yani Ahmad, Rivai Aini, Yusnifa Ainur, Sundetbaeva Aiyub Aiyub AK, M Daud Akbar, Mufid Akhrizal Awaludin Akmal Al Munawar, Hasby Al Munawir Alchalil Alchalil ALDIANSYAH, TEUKU Alfiady, Teuku Almukarramah Alwi Alwi Amaro, Moegiratul Amelia, Farissa Anang Prasetyo Andahurifky, Andahurifky Andik Bintoro Angreini, Meliyantika Anita Susilawati Annisa, Aiza Anuar, Kaspul anwardi, anwardi Ardiansyah, La Ode Ardiyansyah, Amzar Arie Budiansyah arif, zainal - Arifullah, Arifullah Arinanda, Arinanda Arini Anestesia Purba Arlina Arlina, Arlina Arman Sayuti Armand, Ratu Meisha As-Salim, Malikul Sholeh Asma Liza, Lia Asri, Annisa Asrida Asrida, Asrida Asshafa, Asri Salwa Astini, Astini Audina, Nabillah Awaluddin Awaluddin Azura, Rosiana Baehaqi Baiq Rien Handayani, Baiq Rien Bangsa, M. Theo Ari Basri A. Gani, Basri A. Basrul, Basrul Benazir, Benazir Beočanin, Anđelija Binawati Ginting Boini, Usman Boneta, Andi Adinda Bresta, Beta Lea budianto panjaitan Bur, M Burrahman, Habi Candra candra Candra, Rudi Arif Chaliddin, Chaliddin Chalirafi, Chalirafi Cupu, Dedi Rosa Putra Cut Ita Erliana Cut Nila Thasmi, Cut Nila Dahlan Abdullah Dahliana, Dina Dalimunte, Nur Fadhilah Darmawan Darmawan Darmawi . Darmiyati Dayusman, Edo Alvizar Deddy Satria M Dedy Masnur, Dedy Depita Kardiati Dessy Wardiah, Dessy Dewantara, Dede Dewi, Risna Dharma, Satrio Arya Dhiauddin Dhiauddin, Dhiauddin Dian Herdiana Dian Rahmita Sari Dianti, Devi Djoko Nugroho, Laksono Dwinna Aliza Edi Putra Kelana Efendi, Anna Gustika Effendy, Amalia Eka Safitri Ekadamayanti, Agustia S. Eko Nurcahya Dewi Eldina Fatimah Ellyana, Cut Putri Elya Antariksana Bachmida Eril, Eril Erina Erina Etriwati E Fachry Abda El Rahman Fadhilah, Dita Deviana Fadillah, Nurul Aini Fahmi, Asrul Faramita, Faramita Farsiah, Laina Fatimatuzzahrah, Baiq Shofi Fauzan . Fawwaza, Nasywa Feblil Huda Febrian, Fadly Ferdiantes, Ferdiantes Firdaus Firdaus FIRDAUSA, SARAH Fitri Annisa, Suci Fitriana, Yulia Rahma Fitriani, Dara Fridarti, Fridarti Fuady Fuady, Fuady Ginta Riady Hafizuddin Hafizuddin Hamdani Budiman Hamdy, Muhammad Ihsan Hamzah, Muhammad Luthfi Handika, Puri Tri Harahab, Tri Winarti Harahap, Ayu Rizkiah Harmein Nasution Harpito, Harpito Harpito,, Harpito Hartati, Misra Hartisyah, Nurul Hartono Hartono Hasan, Denny Irmawati Hasanuddin, Iskandar Hasyem, Muhammad Hawirah, Hawirah Hayati, Husna Helmi, T. Zahrial Heltty, Heltty Hendra Zufry, Hendra Henni Fitriani Hidayat Hidayat Himam, M. Iqbal Himam, M.Iqbal Huda, Fablil Husaini Husaini Husaini Husaini Husnurrizal, Husnurrizal Ibrahim Ibrahim Ihsan Hamdy, Muhammad Ihsanhamdy, Muhammad Ikhsan Hamdy, Muhammad Ikhsan, Taufik Ikramullah, Ikramullah Ilham Maulana Ilham, Dirja Nur Imam Zarkasyi Mubhar Indra Gumay Febryano Intan, Anni Intan, Seli Venny Irwansyah, Defi Iskandar Iskandar Ismail Ismail Ismail, Aidil Ismu Kusumanto Isnaini , Muhammad Jafaruddin Jafaruddin, Jafaruddin Jannah, Firaihanil Johari Johari Juli Melia Julistia, Rini K, Munawir Kamarlis, Reno K. Kencanadewi, Baiq Citra Khaira, Alfi Khairun Nisa Khoiriyati, Wildatun Rizka Krismurniati, Elisabeth Devi Kurniasy, Dessy Kurniati Kurniati Kuswandono, Kuswandono L. Lisnawati Laka, Oktafatahna Laksono Djoko Nugroho Lazardo, Iqbal Lelifajri Lelifajri Lubis, Fitriani Surayya Lubis, Fitriani Surraya Lubis, Ramadan Lubis, Risda M. Badaruddin, M. Badaruddin M. Hasan M. Nur Salim M. Thorikquljannah, M. Thorikquljannah M. Yusuf Mahalla, Mahalla Mahar Arifin Maharani, Anggun Mahdi, Umar Mahmuddin Mahmuddin Mahyuddin, A. I Maimun Maimun Mardiana, Linda Marianah, Marianah Marjoni Marjoni Martiwi Sukiakhy, Kikye Maryam Maryam Maulana, Rahman Gustian Maulina, Fury mauludi, mauludi Maxmillianus Tarigan, Apul Md Sani, Nor Diyana Medet, Ilubaev Meiliati, Herriyzka Meilita Tryana Sembiring, Meilita Tryana Meliyana Meliyana, Meliyana Mirzuandi, Ahmad Misbullah, Alim Mispan, Mispan MK, Muhammad Muhammad Fazil, Muhammad Muhammad Hanafiah Muhammad Hasyim, Muhammad Muhammad Ikhwani Muhammad Nur Muhammad Rizki Muhammadun, Haris Muharramsyah, Rambang Muhsinah, Muhsinah Mujiburrahman -, Mujiburrahman Muklis Muklis Muliadi Mulkan, Andi Mulyadi Adam, Mulyadi Mulyana Ramadhani, Dita Mulyandari, Nunik Munawarah, Ulfa Murbo P, Fajar Panjalu Murniati . Mursyida, Waliam Muryali, Muryali Muslem Muslem, Muslem Muslim Akmal Muttaqien, Al Muzailin, Muzailin Nabilah Putroe Agung Nabilla, Ghaitsa Nanda, Evita Dwi Nasruddin Nasruddin Nasrullah Idris Nasution, Mirza Natasha, Cut Alia Nawawi Nawawi NAZARUDDIN, SALSABILLA LATANSA Nazwa, Mas Mudah ND, Muhammad Authar Ni'mah, Siar Nizamuddin Nizamuddin Nofirza Nofirza Noor, Muhamad Mat Nora Maulina, Nora Nur Ahyani Nuraini Fatmi, Nuraini Nurhaida Nurhaida Nurhaini, Nurhaini Nurhaliza, Pioni Nurhayati Nurhayati Nurlaela, Eli NURLIANA NURLIANA Nurlianah, Nurlianah Nurul fadillah, Nurul Nurwijayanti Nuzul Asmilia Oktary, Dian Onal Syafrizal Paksi, Satria Icha Perdana, Mirwan Surya Perizat, Azhibekova Prabowo, I Putu Deny Arthawan Sugih Pratama, Nadri Prayetno, Budi Puji Rejeki, Sri Untari Purnamasari, Anisa Putra Cupu, Dedi Rosa Putra, Afriadham Putri Nawangsari, Putri Putri, Feby Ananda Qabul Dinanta Utama Rabiatul Adawiyah Raden Mohamad Herdian Bhakti Rafiqah Rahmadi Rahmadi Rahmah, Puja Rahman, Soleh Rahmat Dwi Cahyo, Rahmat Dwi Rahmat Iman Mainil Rahmat, Abmierdal Rahmi, Yulia Raihan Rajai, Afdhalul Ramadha, Akhmad Riddo Ramadhan, Aulia Ramdani, Sigit Rani Raniza, Yuratika Rasdiyanah, Andi Rasudin, Rasudin Rasyidin Rasyidin Razali Daud Recky, Recky Rejeki, Sri Untari Puji Renaldi, Muhammad Reza Pahlevi Ginting Riantofani, Riantofani Ridwan Abdurrahman Ridwan, Muh. Saleh Rika Taslim Rinaldi Idroes Rini Susiani Rizki, Eis Nur Roslizawaty Roslizawaty, Roslizawaty Rosmaidar Rosmaidar, Rosmaidar Safarna, Alfitra Safiah, Safiah Sahyunan, Sahyunan Salahuddin Salahuddin Samsul Bahri Samudra, J Saputrayadi, Adi Saputri, Anggi Lisa Sarbaini Sarbaini Sari, lilia Satrio, Tedy Saule, Baizakova Sawitri, Harvina Septian, Miko Shafarina, Shafarina Shafrida Wati, Shafrida Simanjuntak, Chrismasya Rosiana Tamara Sinabutar, Agnes Meylany Siregar, Ratih Naila Siti Aisyah Siti Safura Sitorus, Khairun Nisa Sitti Saleha, Sitti Solly Aryza Sorik, Sutan Sri Untari Puji Rejeki Sri Wahyuni Sriwardany Subhaini Jakfar Sucipto, Krishna W. Suhandi, Anang Suheri, Suheri - Suherman, Suherman Suhud, Khairi sukiakhy, kikye martiwi Sunarno Sunarno Supriatno Surayya Lubis, Fitriani Surbakti, Alpisa Karbina Br Suryani, Elfi Satria Sutra Sutra, Sutra Sutriono Putri, Nur Rachmawati Syadzali, Akhmad Syafitri, Martiana Syafri, Syafri Syafri, Syafri Syafrizal Syafrizal Syafruddin Syafruddin Syahputra, Jasnur Syahrizal, Onal Syamsidik, Syamsidik Syamsuddin Syamsuddin Syawaluddin syawal Syofriani, Syofriani Syuhada, Ryan Tamlicha, Akram Tarmizi Tarmizi Tasliati Djafar Taufik Hidayat Taufiq Akbar Tegar Arifin Prasetyo Teuku Reza Ferasyi Teuku Yudhi Iqbal Teuku Zulfadli Ti Aisyah Tjandra, Gallerie Tri Nova, Sigit Tsaniaturrahmah, Nisa Ucy Charisma Ulfauza, Ulfauza Umam, Muhammad Isnaini Hadiyul Umar Husein Abdullah Ummu Balqis Vadila, Fara Wahidin, Ikhwan Warman Fatra, Warman Warni, Ade Wibowo, Rulianda P. Widyawati Widyawati Winarno, Gunardi Djoko Y.S. Darmanto Yani Prihatina Eka Furda Yanti, Hernina Yenny Novita Yudi Saputra Yuli Santri Isma Yuliani Yuliani Yunir, Refli Yunita, A Reski Yuridka, Fitrah Yusriadi Yusriadi Zahara, Eva Zahratul Idami Zaimah, Zaimah Zamzami Zein, Ikramullah Zhannar, Baisoteva Zoahira, Wa Ode Aisa Zulfa, Putri O. Zulfikar, Zeta