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All Journal Jurnal Riset Akuntansi dan Bisnis BINAMULIA HUKUM AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Vokasi BERKAT: Jurnal Pemberdayaan Masyarakat Jurnal Pengabdian Masyarakat Tjut Nyak Dhien Jurnal Akuntansi, Keuangan dan Perpajakan Frontier Management Science (FMS) Binamulia Hukum CSR International Journal
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Politeknik Negeri Medan
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PMKM Peningkatan Penjualan Produk Kue Bawang Mbak Murti (Jl. Gunung Bendahara Komplek Asabri Kota Binjai Sumatera Utara) Hasibuan, Raya Puspita Sari; Siregar, Rumnasari Khoiriyah; Nasution, Anriza Witi; Dithisari, Indri; Fadhilah, Diena
Jurnal Vokasi Vol 9, No 2 (2025): Juli
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/vokasi.v9i2.7099

Abstract

Kegiatan Pengabdian Kepada Masyarakat ini bertujuan untuk memberdayakan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Binjai, khususnya UMKM "Kue Bawang Mbak Murti", dalam rangka meningkatkan kapasitas usaha dan daya saing melalui optimalisasi pemasaran berbasis digital. Pemberdayaan ini dilatarbelakangi oleh lemahnya kemampuan promosi dan pemasaran yang dilakukan secara konvensional, sehingga belum mampu menjangkau pasar yang lebih luas. Tujuan jangka panjang dari kegiatan ini adalah mendorong terciptanya kemandirian dan keberlanjutan usaha kecil berbasis digital di wilayah Sumatera Utara. Sementara itu, target khusus yang dicapai mencakup peningkatan keterampilan mitra dalam pemasaran digital, pengembangan kemasan produk yang menarik dan sesuai standar pasar, serta pembentukan akun media sosial usaha sebagai sarana promosi efektif. Data yang digunakan meliputi data primer melalui observasi dan wawancara, serta data sekunder dari studi literatur terkait pemberdayaan UMKM, pemasaran digital, dan desain kemasan. Metode pelaksanaan kegiatan meliputi identifikasi masalah, pemetaan kebutuhan, penyusunan program kerja, pelatihan, pendampingan, dan evaluasi. Solusi yang ditawarkan berupa pelatihan pembuatan konten promosi, desain ulang kemasan produk, serta strategi pemasaran digital berbasis media sosial. Pendekatan partisipatif diterapkan agar mitra terlibat aktif dalam setiap tahap kegiatan. Hasilnya menunjukkan adanya peningkatan kompetensi mitra dalam mengelola media sosial, penerapan kemasan baru, dan peningkatan penjualan dalam tiga bulan. Akun media sosial berhasil memperluas jangkauan promosi hingga luar Binjai dan menarik pelanggan baru. Program ini berkontribusi terhadap peningkatan kapasitas usaha mitra dan menjadi model pemberdayaan UMKM digital yang dapat direplikasi secara luas
TINJAUAN PERJANJIAN KREDIT TANPA AGUNAN (BNI FLEKSI) PADA NASABAH YANG WANPRESTASI TERHADAP PERJANJIAN KREDIT Hartika, Lia; Dithisari, Indri; Manik, Yessi Kurnia Arjani
Jurnal Review Pendidikan dan Pengajaran Vol. 8 No. 2 (2025): Volume 8 No. 2 Tahun 2025
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v8i2.43856

Abstract

Pelaksanaan pemberian fasilitas kredit sebagai produk Bank sering kali mengalami kendala, yaitu sering terjadi wanprestasi debitur yang tidak memenuhi kewajibannya sebagaimana yang tercantum dalam Perjanjian Kredit. Penelitian ini membahas tentang tata cara pemberian kredit BNI Flexi sesuai dengan Undang-Undang Perbankan dan tindakan yang dilakukan Bank BNI apabila terjadi kendala dipelaksanaan pengingkaran kewajiban debitur. Dalam hal ini, Bank BNI gagal dalam mendebet sejumlah uang tertentu dari rekening nasabah pada setiap tanggal jatuh tempo selama lebih dari tiga bulan berturut-turut dikarenakan kondisi ekonomi dan permasalahan Kesehatan debibur. Tindakan yang dilakukan Bank BNI terhadap debitur yang gagal melaksanakan pembayaran pinjaman ialah dengan memberikan peringatan melalui telepon dan pesan SMS. Apabila pembayaran masih tidak terlaksana, pihak Bank BNI akan meminta informasi tentang kondisi keuangan nasabah kepada Instansi tempat dimana debibur tersebut bekerja. Bank BNI telah menerbitkan satu surat peringatan kepada debitur serta akan dilakukan somasi kepada debitur yang bersangkutan, dari somasi tersebut akhirnya diberikan penangguhan kewajiban pembayaran selama beberapa waktu dan kemudian  menginstruksi kepada debitur untuk membuat permohonan restrukturisasi utang sesuai dengan kesanggupan debitur.  
Mitigation of Consumptive Behavior through Financial Literacy and Saving Culture for Vocational High School Students Indri Dithisari; Marlya Fatira AK; Ummanah; Ana Susanti Yusman; Chairunnisa Nur Fitriani; Ganda Permana
CSR International Journal Vol. 4 No. 1: December 2024
Publisher : ALTSA Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35307/csrij.v4i1.48

Abstract

PMKM Education on financial literacy and saving culture at the State Vocational High School (SMK) 7 Medan, Sitirejo II Village, Medan Amplas District, Medan City, North Sumatra, Aims to provide an understanding of Financial Literacy in daily life, the importance of saving culture for future financial planning, Overcoming excessive consumptive behavior. The school has never received education related to this material from any party. In order to run PMKM activities smoothly, the service team carried out data collection techniques by interviewing the State Vocational High School (SMK) 7 Medan, which was given by finding knowledge transfer through the Educational Seminar on Financial Literacy Education and Saving Culture. The cost of implementing PMKM activities is needed in the amount of Rp. 1,917,000.00 (One et al. Hundred and Seventeen Thousand Rupiah) and a certificate from Bank Sumut Syariah. This educational activity has shaped students' knowledge and skills about financial literacy, consumptive behavior, and saving culture until an average of 87.55% after service implementation is evidenced by a perfect understanding with a score of 100, increasing to 112 people (56%). However, the lack of educational programs that specifically discuss financial literacy, which also supports students in personal financial management and the prevention of financial problems, is a challenge that needs to be overcome. Through this activity, a joint commitment was formed between PT Bank Sumut Syariah and SMK Negeri 7 Medan to assist the student saving culture program, which is carried out regularly and form student knowledge and awareness to save and reactivate the habit of saving more broadly, creating awareness among SMK students about shared responsibility in maintaining discipline and financial responsibility
Building Healthy Financial Habits And Maintaining Mental Health Students Senior High School Taught Financial Planning Education Nuraini; Marlya Fatira AK; Indri Dithisari; Mik Salmina; Sri Nirmala Sari; Salsabila
CSR International Journal Vol. 4 No. 1: December 2024
Publisher : ALTSA Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35307/csrij.v4i1.50

Abstract

This activity aims to provide an understanding of the basic steps in financial planning, managing expenses wisely, building healthy financial habits, and maintaining mental health when facing financial problems. This service uses a descriptive and qualitative approach, where the data collected is analyzed to provide solutions to the issues faced by students. After the Socialization and Education of Financial Planning for Students at SMKS Dharma Patra Pangkalan Susu, the average score of students who feel that they understand more about the importance of recording expenses in detail to manage finances, feel able to distinguish needs and desires, motivation to buy goods wisely, including waiting for a discount moment to save the costs, starting to plan expenses so that they are always smaller than their income, Committed to setting aside some money for unexpected needs or future savings is 86% of the 25 students, This shows a significant increase compared to the initial condition, which is 79%. The educational activities succeeded in overcoming two main problems faced by students, namely consumptive behavior and the impact of financial management on mental health and learning achievement. Through counseling on personal financial planning, students gain understanding and skills in managing finances wisely, managing expenses, and building healthy financial habits, which has a positive impact on increasing their financial awareness. In addition, with a holistic approach that includes material on the relationship between finances and mental health, students can also reduce stress and anxiety that disrupt mental balance and study concentration. As a result, most students feel calmer, more confident, and more motivated to face daily challenges and learn more effectively.
Co-Authors Ana Susanti Yusman Anriza Witi Nasution Chairunnisa Nur Fitriani Diena Fadhilah, Diena Ganda Permana HARTIKA, LIA Hasibuan, Raya Puspita Sari Hasibuan, Yetti Meuthia HERU PRANOTO Ibrahim, Husin Lia Hartika Lubis, Riadini Wanty Marlya Fatira AK Mik Salmina Nuraini Rahmawaty Rahmawaty Rahmawaty Rahmawaty Rahmawaty, Rahmawaty Razak, Abd. Salsabila Silmi Siregar, Rumnasari Khoiriyah Siti Maretia Benu Sri Nirmala Sari Surya Dharma Surya Dharma Syarifah Lisa Andriati Ummanah Ummanah, Ummanah Yessi Kurnia Arjani Manik