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All Journal Jurnal Ilmiah Ekonomi dan Bisnis JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JPM: JURNAL PENGABDIAN MASYARAKAT ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Jurnal Pengabdian Masyarakat Akademisi PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi
Kartika Sari Lubis
Sekolah Tinggi Ilmu Manajemen Sukma
Aerospace Engineering Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Public Health Social Sciences Transportation Other

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PROSEDUR PEMBERIAN KREDIT PADA KOPERASI KARYAWAN SIMPAN PINJAM TANJUNG JAYA PT. IVO MAS TUNGGAL kartika sari lubis
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 14 No. 1 (2017)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v14i1.868

Abstract

Abstract: Problems credit unions associated with providing credit to customers has become aproblem that until this moment still need to get attention. This experiment tried deskrepsi theexisting lending procedures for employees by emphasizing the goal to determinecreditworthiness as well as the procedures that have been performed by the Credit Unions ofTanjung Jaya. The standard procedure is used, among others, namely Character, Capacity,Capital, Collateral and Conditions of economic. Samples taken are employees of thecompany, amounting to 58 people and data taken using survey and analyzed with descriptivemethods. Based on the results of the study indicate that the procedure is owned by CreditUnions Tanjung Jaya has been in accordance with the standards of the Department ofCooperatives, which starts by submitting a written request of the applicant, the pre-analysis ofthe petition, assess the judicial aspect, menganilisis request, a committee meeting until thedecision is received or refusal of the request by categories according to the standard of thevalue of collateral owned by the cooperative members is 87.93%.Keywords: Procedure Extension of credit, Credit Unions, 5C
Pemulihan Ekonomi melalui Pengembangan UMKM di Masa New Normal Covid-19: Pendekatan ANP-BCOR Ahmad Albar Tanjung; Kartika Sari Lubis; Riandani Rezki Prana; Muliyani Muliyani
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 4 (2022): May 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i4.1533

Abstract

MSMEs are crucial to Indonesia's economic recovery following the COVID-19 outbreak. The goal of this research is to develop a strategy for MSMEs in Medan to survive and thrive under the new normal conditions of Covid-19. The government must take steps and make attempts to address the issues at hand. Numerous alternative options will be evaluated, including human resource quality enhancement, stakeholder engagement, and collaboration enhancement, digital marketing optimization, product differentiation, and product quality standardization. The Analytic Network Process and Benefits Opportunities Cost Risk (BOCR) techniques are used in this investigation. The objective is to obtain a priority ranking of options to use as a guide when making decisions. BOCR analysis employs three criteria when determining alternative priorities: Standard (B/C), Pessimistic B/ (C x R), and Realistic (BxO)/(C x R). The results of this study indicate that if the decision maker focuses on Realistic, the first priority is Digital Marketing Optimization with a coefficient of 0.19, the second priority is Human Resources Quality Improvement with a coefficient of 0.10, the third priority is Product Quality Standardization with a coefficient of 0.07, the fourth priority is Increased Commitment and Collaboration Stakeholders with a coefficient of 0.02 and the last priority is Product Differentiation with a coefficient of 0.01. With the shift from traditional to digital marketing, the MSME market's reach is no longer restricted to the immediate vicinity, but also extends to locations outside the island and abroad. Increased sales will boost the revenue of MSME actors, contributing to the country's economic recovery. Additionally, developing MSMEs requires the dedication, cooperation, and participation of the government, academia, researchers, financial institutions, and information technology businesses.
Upaya Peningkatan Penjualan Melalui Pengurusan Perizinan Secara Online Single Submission (OSS) Mitra Usaha Produk Makanan di UMKM Medan Tuntungan Kartika Sari Lubis; Edi Winata; Ade Rahma Ayu
JPM: Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2021): Juli 2021
Publisher : Forum Kerjasama Pendidikan Tinggi

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

Abstract

For business people, apart from capital and inventory, the thing that needs to be taken care of is an official permit from the government, for the smooth running of their business. Many business people overlook this one thing. Because most of them think that licensing is only needed by businesses that are already operating on a large scale. In addition, there are still many who think that getting a business license is complicated and takes a lot of time. This service activity aims to assist business partners in Medan Tuntungan in managing the IUMK as proof of the legality of the business activity concerned as an effort to increase sales results. , namely the Regulation of the Minister of Cooperatives and Small and Medium Enterprises Number 2 of 2019 concerning Electronically Integrated Business Licensing for Micro-Small Enterprises (“PermenkopUKM 2/2019”). This rule is a derivative of Government Regulation Number 24 of 2018 concerning Electronically Integrated Business Licensing Services (“PP on OSS”). The issuance of these two latest regulations further simplifies the procedure for applying for Micro and Small Business Permits (IUMK) for Micro and Small business actors. The target achieved in this service is to increase the income of the food product business that is incorporated in business partners in Medan Tuntungan MSMEs and be able to understand well the procedures for obtaining permits so that partners can develop market share and can compete with other competitors.
Analisis Pengaruh Current Ratio, Return on Equity dan Debt to Equity Ratio Terhadap Return Saham Pada Perusahaan Sub Sektor Telekomunikasi yang Terdaftar di Bursa Efek Indonesia Periode 2015-2019 Elida Gultom; Kartika Sari Lubis
ARBITRASE: Journal of Economics and Accounting Vol. 2 No. 1 (2021): Juli 2021
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v2i1.243

Abstract

The high demand for telecommunications networks and internet data in the community has caused telecommunications companies to become one of the targets for investors, but not all companies can provide stock returns as expected. This study aims to determine the effect of the current ratio, return on equity and debt to equity ratio on stock returns either simultaneously or partially in Telecommunication Sub-sector companies listed on the Indonesia Stock Exchange for the 2015-2019 period. The population in this study are all Sub-sector companies. The Telecommunications sector listed on the Indonesia Stock Exchange (IDX) for the 2015-2019 period, amounting to 6 companies. The sample was carried out by purposive sampling technique with a sample of 4 companies. This research method uses survey research with a quantitative approach. The data analysis technique used is Multiple Linear Regression. The conclusion of this study is that the current ratio, return on equity and debt to equity ratio simultaneously have a significant effect on stock returns. Current ratio and Dept to equity ratio (DER) have no effect on stock returns, while return on equity (ROE) has no effect on stock returns. The magnitude of the influence of the current ratio, return on equity (ROE) and debt to equity ratio on stock returns is 43.3%. And the variable that has the most influence on stock returns in Telecommunication Sub-Sector companies on the Indonesia Stock Exchange (IDX) for the period 2015 to 2019 is return on equity (ROE)
Pengembangan Usaha Melalui Kelompok Usaha Bersama (KUB)Produsen Tape Di Medan Tuntungan Kartika Sari Lubis; Edi Winata; Ade Rahma Ayu Siregar
Jurnal Pengabdian Masyarakat Akademisi Vol. 1 No. 1 (2022)
Publisher : Jurnal Pengabdian Masyarakat Akademisi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (902.978 KB)

Abstract

Munculnya gagasan pemberdayaan masyarakat melalui pendekatan Kelompok Usaha Bersama (KUB) didasarkan pada suatu pemikiran bahwa setiap orang memiliki potensi dan kemampuan yang dapat dikembangkan. Islam menghendaki adanya perubahan sosial untuk memberantas ketidak adilan dan meningkatkan kesejahteraan masyarakat. Tingkat kesejahteraan khususnya bagi perempuan merupakan nilai tambah bagi pendapatan keluarga. Tujuan dari pengabdian masyarakat ini adalah sebagai upaya percepatan pengentasan kemiskinan melalui peningkatan pendapatan, pengembangan usaha dan peningkatan kesadaran sosial dan adanya solidaritas antar anggota KUB dan masyarakat sekitar. Metode pelatihan yang diterapkan adalah Formasi, Bimbingan, Monitoring dan Evaluasi. Pembinaan dimaksudkan sebagai upaya meningkatkan daya guna dan hasil bagi tumbuh dan berkembangnya KUB, selain untuk meningkatkan motivasi dan kemampuan implementasi di lapangan serta kapasitas kepengurusan pengelola KUB. Monitoring dan Evaluasi dilakukan untuk mengetahui perkembangan KUB dan permasalahan yang menjadi kendala serta upaya penyelesaiannya agar upaya penumbuhan dan pengembangan KUB berjalan sesuai rencana.
Pengaruh Pemberian Kredit Terhadap Tingkat Pendapatan UMKM di Masa Pasca Pandemi pada PT Bima Multifinance Cabang Medan Rasida Zahara; Kartika Sari Lubis
JIMF (Jurnal Ilmiah Manajemen Forkamma) Vol 6, No 2 (2023): JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA)
Publisher : universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/frkm.v6i2.26464

Abstract

Penelitian ini dilakukan untuk mengetahui apakah Pemberian Kredit berpengaruh terhadap Tingkat Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) di Masa Pasca Pandemi pada PT Bima Multi Finance Cabang Medan. Adapun tujuan penelitian ini adalah untuk mengetahui pengaruh Pemberian Kredit terhadap Tingkat Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) di Masa Pasca Pandemi pada PT Bima Multi Finance Cabang Medan. Teknik pengambilan sampel yang digunakan adalah rumus Slovin dengan jumlah sampel 78 responden. Teknik pengumpulan data yang digunakan adalah kuesioner. Pengolahan data dilakukan dengan menggunakan analisis Regresi Linear Sederhana, Sedangkan Pengolahan Data Menggunakan SPSS versi 26. Sehingga Hasil penelitian ini menunjukkan bahwa Pemberian Kredit Usaha berpengaruh positif dan signifikan terhadap Tingkat Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) di Masa Pasca Pandemi pada PT Bima Multi Finance Cabang Medan.
Dampak Literasi Keuangan dan Profil Kepribadian Terhadap Perilaku Pengelolaan Keuangan UMKM Kuliner Ira Nazira Harahap; Kartika Sari Lubis
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol 16 No 2 (2024): Special Issue
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/permana.v16i2.413

Abstract

Penelitian ini berupaya untuk menguji dan mengetahui seberapa besar pengaruh literasi keuangan dan profil kepribadian terhadap perilaku pengelolaan keuangan UMKM sektor kuliner di Kecamatan Percut Sei Tuan. Metode analisis statistik deskriptif menggunakan instrumen survei yang meliputi informasi literasi keuangan, kepribadian dan perilaku pengelolaan keuangan untuk mengumpulkan data dari 167 pelaku usaha bidang kuliner yang berlokasi di wilayah Kecamatan Percut Sei Tuan. Hal ini menunjukkan bahwa dampak positif literasi keuangan terhadap praktik pengelolaan keuangan masih kecil. Sedangkan perilaku pengelolaan uang sangat dipengaruhi secara positif oleh profil kepribadian. Meski demikian, profil kepribadian yang kuat dan literasi keuangan yang memadai akan memberikan dampak positif dan besar terhadap pengelolaan keuangan UMKM. UMKM harus meningkatkan pengetahuannya mengenai investasi dan asuransi untuk mendukung pertumbuhan usahanya.
Co-Authors Ade Rahma Ayu Ahmad Albar Tanjung Edi Winata Elida Gultom Fahmi Sulaiman Ira Nazira Harahap Muliyani Muliyani Neni Triastuti Rasida Zahara Riandani Rezki Prana