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All Journal Jurnal Akuntansi & Auditing Indonesia Jurnal Kajian Manajemen Bisnis FIAT JUSTISIA: Jurnal Ilmu Hukum Jurnal Ilmiah Ekonomi Islam JMM (Jurnal Masyarakat Mandiri) YUME : Journal of Management Indonesian Journal of Economics, Social, and Humanities JISIP: Jurnal Ilmu Sosial dan Pendidikan PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK) Journal Of Management Science (JMAS) Jurnal Simbur Cahaya Pena Justisia: Media Komunikasi dan Kajian Hukum Manhaj: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Ekonomi Dan Bisnis Jurnal Abdi Insani Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Jurnal Supremasi Jurnal Penelitian, Pendidikan dan Pengajaran: JPPP Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan Statement : Jurnal Media Informasi Sosial dan Pendidikan Jurnal Arastirma J-MIND (Jurnal Manajemen Indonesia) Jurnal Abdi Panca Marga CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Buletin Abdi Masyarakat (BAM) Jurnal ADAM : Jurnal Pengabdian Masyarakat JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Akuntansi, Manajemen dan Perbankan Syariah Journal of Artificial Intelligence and Digital Business Journal of Engineering Science and Technology Management LAVOISIER: Chemistry Education Journal International Journal of Kita Kreatif
Meliza Meliza
Fakultas Ekonomi Dan Bisnis Universitas Pekalongan, Jawa Tengah, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Physics Public Health Social Sciences Other

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SOSIALISASI PERAN SEKTOR PERBANKAN DALAM PENGEMBANGAN EKONOMI KREATIF INDONESIA Meliza, Meliza
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 6 (2024): Desember
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i6.27150

Abstract

Abstrak: Minimimnya tingkat pemahaman pelaku UMKM tentang peranan sektor perbankan dalam permodalan menjadi salah satu faktor yang menyebabkan belum maksimalnya tingkat penyaluran kredit ke UMKM. Oleh karena itu, perlu diadakan sosialisasi bagi UMKM tentang prdouk pembiayaan yang ditawarkan sektor perbankan dan prosedur dalam mengajukan kredit bank. Kegiatan sosialisasi diselengarakan untuk meningkatkan tingkat pemahaman UMKM tentang produk serta prosedur pengajuan kredit ke sektor perbankan. Selain itu, tujuan kegiatan ini juga untuk meningkatkan jumlah UMKM yang mengajukan pembiayaan ke sektor perbankan. Kegiatan sosialisasi ini diselenggarakan dalam tiga tahap yaitu tahap prak kegiatan, tahap pelaksanaa, dna tahap evaluasi. Kegiatan ini diikuti oleh 20 UMKM Kota Pekalongan, 10 UMKM diluar Kota Pekalongan, 75 mahasiswa, 5 dosen, dan 10 masyarakat lokal Kota Pekalongan. Evaluasi kegiatan ini dilakukan menggunakan angket (kuesioner). Hasil dari kegiatan ini menunjukkan bahwa jumlah peserta yang memahami tentang peranan sektor perbankan bagi UMKM meningkat dari 34% menjadi 84% dari total peserta. Sedangkan, jumlah peserta yang memahami tentang produk dan prosedur pengajuan kredit ke bank juga mengalami peningkatan dari 23% menjadi 78% dari total peserta.Abstract: The low level of understanding of MSMEs about the role of the banking sector in capital is one of the factors that causes the level of credit distribution to MSMEs to be less than optimal. Therefore, it is necessary to conduct socialization for MSMEs about the financing products offered by the banking sector and the procedures for applying for bank credit. Socialization activities are held to increase the level of understanding of MSMEs about the products and procedures for applying for credit to the banking sector. In addition, the purpose of this activity is also to increase the number of MSMEs applying for financing to the banking sector. This socialization activity is held in three stages, namely the practical activity stage, the implementation stage, and the evaluation stage. This activity was attended by 20 MSMEs in Pekalongan City, 10 MSMEs outside Pekalongan City, 75 students, 5 lecturers, and 10 local communities in Pekalongan City. The evaluation of this activity was carried out using a questionnaire. The results of this activity showed that the number of participants who understood the role of the banking sector for MSMEs increased from 34% to 84% of the total participants. Meanwhile, the number of participants who understand the products and procedures for applying for credit to the bank also increased from 23% to 78% of the total participants.
KINERJA KEUANGAN PERBANKAN DAN RETURN SAHAM: PERAN RASIO KECUKUPAN MODAL SEBAGAI VARIABEL MODERASI Meliza, Meliza; Herlinah, Herlinah; Magetana, Dewi Yuniar
J-MIND (Jurnal Manajemen Indonesia) Vol. 10 No. 3 (2025): J-MIND (Jurnal Manajemen Indonesia), December 2025
Publisher : LPPM Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/j-mind.v10i3.25040

Abstract

The banking sector is a key foundation of the Indonesian economic system. The stability and contribution of this sector are significantly influenced by bank financial performance and the dynamics of banking stocks in the capital market. Based on this, this study aims to investigate the effect of banking financial performance, as measured by the loan-to-deposit ratio (LDR) and return on assets (ROA), on stock returns. This study also includes the capital adequacy ratio (CAR) as a moderating variable to assess whether CAR strengthens or weakens the relationship between LDR and ROA on stock returns. The research sample consists of banking companies listed on the Indonesia Stock Exchange (IDX) during the period 2020 to 2024. The analytical method used is multiple regression with the Ordinary Least Square (OLS) approach. The analysis results show that ROA has a positive and significant effect on stock returns, with a t-statistic of 2.00, which is significant at the 5% level. Furthermore, CAR is proven to moderate the relationship between ROA and stock returns, indicated by a t-statistic of -1.9, which is also significant at the 5% level. In contrast, LDR did not show a significant effect on stock returns, and CAR failed to moderate the relationship between LDR and stock returns.
PEMANFAATAN BUAH SALAK (SALACCA ZALACCA) SEBAGAI BAHAN DASAR PEMBUATAN SAMBAL SALAK UNTUK PENINGKATAN UMKM DI DESA SIHOPUR Meliza, Meliza; Romadhani Sagala, Isti; Simatupang, Apriliya Parizki; Harahap, Aderiani; Adnan, Arham; Harahap, Samsia; Daulay, Sopiyani; Lubis, Lanni Masrida; Lubis, Hotimayani; Pasaribu, Alimatul Amaliyah; Harahap, Nova Wahdina; Pohan, Raudi Sukron
Jurnal ADAM : Jurnal Pengabdian Masyarakat Vol 5 No 1 (2026): Vol. 5 No. 1 Edisi Februari 2026
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37081/adam.v5i1.2212

Abstract

Pendapatan sebagian besar masyarakat desa Sihopur adalah petani salak, tetapi masyarakat desa Sihopur juga ada yang memiliki sawah dan pohon karet. Masyarakat menanam pohon salak sendiri dan menjualnya langsung kepembeli. Banyak masyarakat luar Sihopur yang memesan salak. Terkadang banyak salak yang busuk karena tidak sempat dipanen oleh masyarakat desa Sihopur. Harga buah salak juga terkadang naik turun dipasaran. Tujuan dari kegiatan ini adalah mengembangkan produk olahan baru yang berbeda dari produk olahan buah salak yang sudah ada,sehingga dapat menambah pariasi kuliner dan menarik minat konsumen. Menyebar luaskan pengetahuan kepada masyarakat tentang cara mengolah buah salak menjadi produk yang bernilai tambah. Menciptakan resep sambal salak yang enak dan dapat diterima diberbagai kalangan, sekaligus memperluas wawasan mengenai potensi penggunaan buah lokal. Metode yang digunakan dari kegiatan ini adalah pelatihan dan edukasi. Masyarakat diberikan pelatihan pengolahan buah salak menjadi sambal. Agar masyarakat dapat memanfaatkan buah salak dengan baik. Adapun peserta yang terlibat dalam kegiatan ini berjumlah 25 orang. Untuk data dilakukan evaluasi kegiatan pembuatan produk sambal salak dari pemanfaatan buah salak (Salacca Zalacca). Berdasarkan hasil kegiatan pembuatan sambal salak dari buah salak (Salacca Zalacca) dapat disimpulkan bahwa kegiatan ini berlangsung dengan lancar dan mendapat respon yang baik sebagai peningkatan usaha kreatif masyarakat desa Sihopur. Melalui kegiatan ini, pengetahuan masyarakat semakin meningkat mengenai pemanfaatan buah salak (Salacca Zalacca) sebagai sambal salak sehingga dapat meningkatkan UMKM masyarakat desa Sihopur.
MENUMBUHKAN JIWA KEWIRAUSAHAAN UNTUK BERSAING DI ERA INDUSTRI 5.0 DI KELURAHAN PRINGREJO PEKALONGAN Meliza, Meliza
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 4 No 1 (2023): Jurnal Pengabdian Pendidikan Masyarakat (JPPM)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v4i1.1096

Abstract

The younger generation plays an important role in increasing the quantity and quality of entrepreneurs in Indonesia. However, the majority of young generation do not have a formidable entrepreneurial spirit to be able to face business challenges in the future. As a result, many young entrepreneurs in Indonesia experience failure in entrepreneurship. They are unable to sustain their businesses in the long term. Therefore, socialization activities about the importance of fostering an entrepreneurial spirit in the younger generation are very much needed. Community Service Activities (PkM) in the form of socialization are carried out in Pringrejo Village, Pekalongan District. This activity was attended by Karang Taruna of Pringrejo village. The activity phase includes identification, socialization, and evaluation. The identification results at the initial stage showed that the majority of participants did not own a business. While the majority of participants who already have a business to pursue business in the culinary field. At the evaluation stage, there was an increase in the number of participants who understood the importance of an entrepreneurial spirit from 24% of the total participants at the time before the socialization was carried out to 84% after the socialization was carried out.
EMPIRICAL JURIDICAL REVIEW OF EARLY MARRIAGE DISPENSATION (Case Study of the Cikarang and Pangkal Pinang Religious Courts) Meliza, Meliza; Hardianto, Hanif; Gumbira, Seno Wibowo; apriandhini, Megafury; Chairunnisa, Madina Dzakkiyyah; Isfarin, Nadia Nurani
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.4179

Abstract

Currently the country is trying to improve Human Resources (HR) on a large scale, especially in Indonesia to advance the nation, but the high rate of early marriage has an impact on the progress of the younger generation where marriages that are held without careful preparation both from the economy, education, psychology and sociology also have an impact on the next generation born and personal and social development in society also occurs unprepared. Law No. 1 of 1974 Jo Law No. 16 of 2019 About was passed by the government as an effort to prevent early marriage by limiting the minimum age of 19 years for men and women. The purpose of this research is to find out what factors cause the application for marriage dispensation and obstacles in the application for marriage dispensation in religious courts and what steps are used in the event of rejection of the application. The method used The data collection method used in this research is an empirical juridical review by conducting observations, comparisons and interviews with sources from the Religious Court and informants who apply for marriage dispensation. Causes for advocating marriage dispensation include religious reasons, special circumstances, parental/guardian consent, legal considerations. In the implementation of the application for marriage dispensation, there are also obstacles, namely the difficulty of completing data. In the event of rejection of the application for marriage dispensation, the applicant can make cassation.
Implementation of Contractual Agreement Used in Evaluation Study: International Class Program D matra, sarlita; Ulya, Inayatul; Meliza, Meliza; Nuna, Bhanu Prakash
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.4901

Abstract

This article examines the practical implementation of a contractual agreement within the context of an evaluation study focusing on the International Class Program (ICP). The ICP aims to enhance global learning experiences for students through structured international partnerships. The study explores the effectiveness and challenges of the contractual framework in facilitating program evaluation. Drawing on qualitative and quantitative data from stakeholders involved in the ICP, including administrators, faculty, and students, the analysis highlights key outcomes and areas for improvement. This study explores the significance of contractual agreement in international class program evaluation, emphasizing their role in establishing clear terms and conditions, mitigating risks, and executing research ethics. The study investigates the process of establishing contractual agreement and highlights the importance of understanding their terms. It discusses key aspects such as international class theories, characteristics of contractual agreement in evaluation research, the role of evaluators, and an export evaluation study. The study underscores the vital role of contractual agreement in facilitating research ethics and promoting smooth evaluation process. Findings suggest that while the contractual agreement provides a structured approach to evaluation, its application requires continuous refinement to align with evolving program goals and participant expectations. Recommendations are provided for enhancing the contractual framework to better support comprehensive program assessment and foster sustainable international collaborations in education.
Co-Authors Adityaningrum, Fatimah Adnan, Arham Agus Suwandono Ahmad Redho Akhmad Samsul Ulum Amalia M.Si SE. Ilmiani Andi Mustika Amin Andini Ayuningtyas Anggrainy Putri Ayuningrum Anwar Anwar Anwar Ramli Apriandhini, Megafury Ari Muhardono Assalihee, Muhammadafefee Ayuningtyas, Andini Badi'atul Ulwiyah Baharuddin, Raja Bhanu Prakash Nuna Catur Nur Afni Chairunnisa, Madina Dzakkiyyah D matra, sarlita Daulay, Sopiyani Deviana Yuanitasari Dewi Yuniar Magetana Dewi Yuniar Magetana Dian Milasari Dian Priatiningsih Didha Putri Citradika Faradilla, Elsye Ayu Faridah Lubis, Nenni Ferra Febbilia Frisilla, Sonya Hanif Hardianto Hanifah, Fika Fikrotul Harahap, Aderiani Harahap, Nova Wahdina Harahap, Samsia Herlinah Herlinah Inayatul Ulya Inayatul Ulya Ismuadi Ismuadi Istianah Komala Ardiyani Krida Sakti, Sri Wahyu Lubis, Hotimayani Lubis, Lanni Masrida Lukman Asha Mahirun Mahirun Mei Nia Widyaningrum Mella Mardayanti Mohammad Sigit Taruna mutiara mutiara Nadia Nurani Isfarin Nadya Pambudianing Savira Nisfawati, Nisfawati Novitasari Novitasari Nuna, Bhanu Prakash Pasaribu, Alimatul Amaliyah Pohan, Raudi Sukron Putri, Anggrainy Rifa Yanti Rika Mulia Romadhani Sagala, Isti Romansyah Sahabuddin Rosanna, Desi Lisa Sabilillah, Ardan Jihad Fi Sakti, Sri Wahyu Krida Salam Norkhasanah Santi, Nurvia Sari Harahap, Wilda sarlita D matra Seno Wibowo Gumbira, Seno Wibowo Setia Dwi Wardhani Simatupang, Apriliya Parizki Siraj Siraj Umar Ali Akbar, Mohammad Wahyuningsih Wahyuningsih Wanto, Deri Wenti Ayu Sunarjo Zahriyanti, Zahriyanti Zahro Zahro Zufriyatun, Zufriyatun