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All Journal Jumat Ekonomi: Jurnal Pengabdian Masyarakat Journal of Islamic Economics Business (JIsEb)
Yulia Yulia
IAIN Pontianak
Economics, Econometrics & Finance Education Social Sciences Other

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Transformasi Digital Keuangan UMKM Melalui Pendampingan Aplikasi SIAPIK Wulan Wahyu Ningrum; Yulia Yulia; Sabirin Sabirin; Luqman Luqman; Hani Meilita Purnama Subardi; Izza Karunia Putri; Ari Yunaldi; Musa Amin; Yuyun Yuliana; Saipullah Saipullah; Amir Prihatin
Jumat Ekonomi: Jurnal Pengabdian Masyarakat Vol. 7 No. 1 (2026): April
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasekon.v7.i1.7239

Abstract

This community service program aims to improve financial literacy and the adoption of digital financial accounting among micro, small, and medium enterprises in Pontianak City and Kubu Raya Regency. The method used was face-to-face active participatory assistance over eight weeks through collaboration between academics and practitioners. The intervention was carried out in five structured stages ranging from problem identification, cash separation education, installation of financial recording applications, technical guidance on transaction entry, to independent monitoring of 45 business owners as target partners. The results indicated a significant improvement in the financial governance of the business actors. The majority of partners successfully separated personal and business cash, became proficient in digital daily transaction entry, and were able to independently download automated profit and loss statements and financial position reports. This activity successfully transformed financial behavior from manual to structured digital record-keeping. Practically, the availability of accountable financial reports enhances the administrative readiness of business owners to access formal financing and strengthens local economic resilience.
PENGARUH DANA PIHAK KETIGA, FINANCING TO DEPOSIT RATIO, NON PERFORMING FINANCING DAN TINGKAT SUKU BUNGA TERHADAP PENYALURAN PEMBIAYAAN: (Studi Kasus Perbankan Syariah di Indonesia Tahun 2011-2018) Yulia Yulia; Khofid Ramdani
Journal of Islamic Economy and Business (JIsEB) Vol. 1 No. 1 (2020): Journal of Islamic Economics and Business (JISEB)
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Introduction: This study aims to determine the effect of third party funds (DPK), financing to deposit ratio (FDR), non performing financing (NPF), and interest rates (BI Rate) on the distribution of financing to Islamic banking in Indonesia for the period 2011-2018.. Research Methods: The sample used in this study is from 10 Islamic bank financial reports in Indonesia. The data used is secondary data in the form of Islamic banking financial ratios. The method of data analysis in this study uses multiple linear regression analysis with the PLS (Pooled Least Square) technique. Results: The results of this study indicate that the variables of Third Party Funds (DPK) and Financing to Deposit Ratio (FDR) have a significant effect on the variable of financing distribution as indicated by a significance value below 0.05, while the Non Performing Financing (NPF) and Interest Rates (BI Rate) variables. does not have a significant effect on the financing distribution variable, which is indicated by a significance value above 0.5. Simultaneously DPK, FDR, NPF and BI Rate have a significant effect on the variable of financing distribution. Conclusion: Third Party Funds (DPK) and Financing to Deposit Ratio (FDR) have a significant effect on the financing distribution variable. Meanwhile, the Non Performing Financing (NPF) and Interest Rate (BI Rate) variable did not have a significant effect on the financing distribution variable. Simultaneously DPK, FDR, NPF and BI Rate have a significant effect on the variable of financing distribution.
Co-Authors Amir Prihatin Ari Yunaldi Hani Meilita Purnama Subardi Izza Karunia Putri Khofid Ramdani Luqman Luqman MUSA AMIN Sabirin Sabirin Saipullah Saipullah Wulan Wahyu Ningrum Yuyun Yuliana