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All Journal JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi EQIEN - JURNAL EKONOMI DAN BISNIS Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Jurnal Doktor Manajemen (JDM) Dinasti International Journal of Education Management and Social Science Jurnal Pendidikan dan Kewirausahaan Jurnal Ilmiah Manajemen Kesatuan JURNAL ILMIAH KOHESI Jurnal Tunas Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Bima Abdi: Jurnal Pengabdian Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Ekonomi Jurnal IPTEK Bagi Masyarakat JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Journal Of Human And Education (JAHE) Jurnal Masyarakat Indonesia Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Medani : Jurnal Pengabdian Masyarakat Eastasouth Journal of Positive Community Services Innovative: Journal Of Social Science Research Jurnal Pengabdian Pada Masyarakat METHABDI Journal of Economics, Entrepreneurship, Management Business and Accounting IIJSE Jurnal Pengabdian Masyarakat dan Riset Pendidikan Gudang Jurnal Pengabdian Masyarakat Horizon: Indonesian Journal of Multidisciplinary PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Jurnal Pengabdian Masyarakat Eka Prasetya Menulis: Jurnal Penelitian Nusantara Journal of Golden Generation Economic Oikonomia : Journal of Management Economics and Accounting Jati Emas (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat)
Petrus Loo
Sekolah Tinggi Ilmu Ekonomi Eka Prasetya
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Peningkatan Literasi Keuangan Guru: Strategi Cerdas Mengelola Gaji dan Investasi Masa Depan di Yayasan Citra Mandiri Kabupaten Deli Serdang Petrus Loo; Rebecca Evadine; William Parlindungan Sihombing; Monetarist Butar Butar; Togar Timoteus Gultom
Jurnal Pengabdian Pada Masyarakat METHABDI Vol 6 No 1 (2026): Jurnal Pengabdian Pada Masyarakat METHABDI
Publisher : Universitas Methodist Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46880/methabdi.Vol6No1.pp137-141

Abstract

Teachers play a pivotal role in educating the nation, yet their financial well-being is often overlooked due to low financial literacy. Limited salaries are frequently consumed by immediate spending needs without planning for the future, leaving teachers vulnerable to fraudulent investment schemes or illegal online loans. This community service initiative aims to enhance teachers' financial literacy by introducing smart salary management strategies and future-oriented investment options. The program partnered with teachers from the Citra Mandiri Foundation School in Deli Serdang. The methodology employed included a preliminary survey, a workshop session, a personal budgeting simulation, and a final evaluation. Results indicated an improvement in participants' financial understanding following the training. Teachers are now able to create monthly budget allocations using sound financial formulas and understand legal investment instruments regulated by the Financial Services Authority (OJK). The initiative concludes that periodic financial education is crucial for fostering financial stability and professional peace of mind among educators.
The Mediating Effects of Governance, Financial Literacy, and Technological Innovation on Digital Finance in North Sumatra’s Rural Banks Petrus Loo
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4259

Abstract

The rapid shift to digital financial systems has transformed rural banking, yet challenges like uneven adoption and limited financial literacy persist in regions like North Sumatra. This study aims to examine how financial inclusion and taxation influence digital finance adoption in North Sumatra’s rural banks, focusing on the mediating roles of corporate governance, financial literacy, and technological innovation. Using a quantitative approach with Structural Equation Modeling, data were collected from 91 rural banks through questionnaires, documentation, and observations. The findings confirm that financial inclusion and taxation significantly drive digital finance, both directly (p<0.05) and through the mediators, with corporate governance, financial literacy, and technological innovation explaining 85.4% of the variance in digital finance adoption. These results highlight the critical role of inclusive financial systems and transparent tax policies in enhancing digital transformation. The study concludes that rural banks should prioritize financial literacy programs and digital tax systems to improve efficiency, particularly in less-developed districts like Nias. These findings offer practical strategies for rural banks and policymakers to strengthen digital financial systems and promote inclusive growth in North Sumatra.
Literature Review: Pengaruh Kualitas Layanan Maskapai dan Kepercayaan Merek terhadap Loyalitas Penumpang di Indonesia Dewi Melati; Fitri Cahyani; Petrus Loo
Menulis: Jurnal Penelitian Nusantara Vol. 2 No. 5 (2026): Menulis - Mei
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v2i5.1143

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan maskapai dan kepercayaan merek terhadap loyalitas penumpang di Indonesia. Penelitian ini penting dilakukan karena persaingan industri penerbangan yang semakin ketat menuntut maskapai untuk meningkatkan kualitas pelayanan dan memperkuat citra merek guna mempertahankan loyalitas pelanggan. Metode penelitian yang digunakan adalah literature review dengan pendekatan deskriptif kualitatif melalui analisis terhadap 10 jurnal ilmiah relevan yang diterbitkan dalam kurun waktu lima tahun terakhir. Seleksi jurnal dilakukan berdasarkan kesesuaian topik, reputasi sumber, serta keterkaitan variabel kualitas layanan, kepercayaan merek, kepuasan pelanggan, dan loyalitas penumpang pada industri penerbangan. Data dianalisis menggunakan teknik content analysis untuk mengidentifikasi pola hubungan antarvariabel yang dominan. Hasil penelitian menunjukkan bahwa kualitas layanan berpengaruh positif terhadap loyalitas penumpang, dimana pelayanan yang baik seperti ketepatan waktu, kenyamanan, keamanan, dan profesionalisme awak kabin mampu meningkatkan kepuasan pelanggan serta mendorong penggunaan ulang jasa maskapai. Selain itu, kepercayaan merek juga berpengaruh signifikan terhadap loyalitas pelanggan karena pelanggan cenderung lebih loyal terhadap maskapai yang memiliki reputasi baik, citra positif, dan pelayanan yang konsisten. Penelitian ini juga menemukan bahwa kepuasan pelanggan dan brand reputation menjadi variabel mediasi yang dominan dalam membentuk loyalitas penumpang. Berdasarkan hasil literature review, dapat disimpulkan bahwa kualitas layanan dan kepercayaan merek merupakan faktor penting dalam meningkatkan loyalitas penumpang maskapai penerbangan di Indonesia serta memberikan kontribusi teoritis dan praktis bagi perusahaan dalam menyusun strategi peningkatan pelayanan dan penguatan merek.
Local Raw Materials and Food Quality in Shaping Local Economic Linkages: The Mediating Role of Consumer Satisfaction Hommy Dorthy Ellyany Sinaga; Petrus Loo; Rahmad Dianta Purba; Asliza Yusoff
EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI Vol 21 No 1 (2026): March
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ekuilibrium.v21i1.2026.pp52-71

Abstract

This study investigates the role of local raw materials in improving food quality and shaping local economic linkages, using the Yoku Yatta restaurant in Medan as a case study. Based on a survey of 140 consumers and analyzed using a quantitative SEM-PLS approach, the research examines the relationships between local raw material quality, food quality, consumer satisfaction, and the local economic linkages impact. The results indicate that the use of local raw materials significantly enhances food quality and contributes to strengthening local economic linkages through supply-side interactions. Food quality is a key driver of consumer satisfaction; however, its effect on economic linkages is fully mediated by consumer satisfaction. Instead, its influence is transmitted indirectly through consumer satisfaction, which serves as a crucial mediating mechanism. This finding highlights the study’s primary theoretical contribution by demonstrating the importance of consumer satisfaction as a mechanism connecting product quality and local economic benefits. These results reflect recent trends in the Indonesian culinary sector, where consumer awareness of sustainability and local sourcing is increasing. Preliminary evidence from the Yoku Yatta consumer survey shows that local ingredient use not only enhances perceived quality but also helps build a positive restaurant image. The managerial implications emphasize the need to strengthen local supply chains, improving value-added communication strategies regarding local sourcing, and promote menu innovation based on local raw materials.
The Effect of Digital Marketing and Brand Image on Customer Trust and Its Implication for Customer Loyalty in the E-Commerce Industry Sri Rezeki; Petrus Loo; Desma Erica Maryati Manik; Elisabeth Nainggolan; Herni Suryani
Dinasti International Journal of Education Management and Social Science Vol. 7 No. 6 (2026): Dinasti International Journal of Education Management and Social Science (Augus
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v7i6.6300

Abstract

The rapid growth of e-commerce has intensified competition among digital businesses, making customer trust and loyalty critical determinants of long-term sustainability. In this context, digital marketing activities and brand image play an increasingly important role in shaping customers’ perceptions and behavioral intentions. This study aims to examine the effect of digital marketing and brand image on customer trust and its implications for customer loyalty in the e-commerce industry. This research employs a quantitative approach using a survey method. Data were collected from e-commerce customers who have prior experience in online transactions. The data were analyzed using Structural Equation Modeling (SEM) to test the proposed relationships and the mediating role of customer trust. Digital marketing is measured through indicators such as online content quality, interactivity, and personalization, while brand image reflects customers’ overall perceptions and associations with the brand. The results indicate that digital marketing has a positive and significant effect on customer trust. Brand image is also found to significantly influence customer trust. Furthermore, customer trust has a positive and significant effect on customer loyalty. The findings further reveal that customer trust mediates the relationship between digital marketing and customer loyalty, as well as between brand image and customer loyalty. These results suggest that customer trust serves as a key mechanism through which digital marketing efforts and brand image translate into loyal customer behavior. This study contributes to the marketing literature by providing empirical evidence on the role of customer trust in the e-commerce context. From a managerial perspective, the findings imply that e-commerce firms should focus on developing effective digital marketing strategies and maintaining a strong brand image to foster customer trust and enhance customer loyalty in a highly competitive digital marketplace.
WOMEN EMPOWERING THROUGH DECOUPAGE Hommy Dorthy Ellyany Sinaga; Petrus Loo; Dedy Lazuardi; Sri Rezeki; Norhaslina BT Asri; Mashitah Binti Duralim; Nur Fadzillah Binti Jaafar
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol. 4 No. 1 (2024): April 2024
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v4i1.2049

Abstract

Abstract: The community service activity "Women Empowering Through Decoupage," conducted in continuation of the Memorandum of Understanding with Sultan Azlan Shah Malaysia Polytechnic, was organized by several lecturers at Sekolah Tinggi Ilmu Ekonomi Eka Prasetya from October 2nd to October 5th, 2023. The target participants were Puspanita (Wives of Lecturers/Employees) of Sultan Azlan Shah Malaysia Polytechnic. The activity focused on training participants in decorating pandan clutch using decoupage techniques. This collaboration between lecturers at Eka Prasetya College of Economics and Sultan Azlan Shah Malaysia Polytechnic lecturers aimed to empower Puspanita by imparting new knowledge and skills. The production outcomes potentially hold economic value. The activity garnered a highly positive response from all participants.            Keywords: decoupage; pandan clutch; puspanita; sultan azlan shah malaysia polytechnic; women empowering,  Abstrak: Kegiatan Pengabdian Kepada Masyarakat Women Empowering Through Decoupage dilakukan sehubungan dengan kelanjutan dari MoU dengan Politeknik Sultan Azlan Shah Malaysia. Kegiatan ini dilaksanakan oleh beberapa Dosen Sekolah Tinggi Ilmu Ekonomi Eka Prasetya dan berlangsung pada 2-5 Oktober 2023, dengan sasaran peserta adalah Puspanita (Istri dari Dosen/Pegawai) Politeknik Sultan Azlan Shah Malaysia. Aktivitas yang dilakukan adalah dengan memberikan pelatihan pembuatan menghias tas pandan dengan menggunakan Teknik decoupage. Pengabdian kepada Masyarakat ini merupakan kolaborasi dosen Sekolah Tinggi Ilmu Ekonomi Eka Prasetya dengan dukungan Dosen dari Politeknik Sultan Azlan Shah Malaysia. Dari kegiatan ini, para Puspanita mendapatkan pengetahuan dan ketrampilan yang baru. Hasil produksi dapat menjadi peluang bernilai ekonomis. Kegiatan ini mendapat respon yang sangat positif dari seluruh peserta. Kata kunci: decoupage; cluth pandan; pemberdayaan perempuan; politeknik sultan azlan shah; puspanita 
SOSIALISASI KEWIRAUSAHAAN DENGAN MODEL PEMBELAJARAN MONSOONSIM PADA SMA WIYATA DHARMA Irvan Rolyesh Situmorang; Petrus Loo; Susan Grace Nainggolan; Frenky Situmorang; Yonson Pane
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol. 4 No. 2 (2024): Desember 2024
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v4i2.2566

Abstract

Abstract: Monsoonsim is a gamification-based business simulation platform that helps teach various entrepreneurial concepts practically and interactively. Through Monsoonsim, students can understand how a business operates, from financial planning and management, resource management, marketing, to customer service. Monsoonsim provides an opportunity for students to develop their entrepreneurial spirit, providing hands-on experience that strengthens their understanding of risks, opportunities and business strategies. Through this simulation-based learning, Monsoonsim creates an environment that supports a deep understanding of business dynamics and encourages the birth of young entrepreneurs. Keywords: Entrepreneurship, Monsoonsim, Business Strategy. Abstrak: Monsoonsim merupakan sebuah platform simulasi bisnis berbasis gamifikasi yang membantu mengajarkan berbagai konsep kewirausahaan secara praktis dan interaktif. Melalui Monsoonsim, peserta didik dapat memahami bagaimana sebuah bisnis beroperasi, mulai dari perencanaan dan manajemen keuangan, pengelolaan sumber daya, pemasaran, hingga layanan konsumen. Monsoonsim memberikan kesempatan bagi para siswa untuk mengembangkan jiwa kewirausahaan mereka, memberikan pengalaman langsung yang memperkuat pemahaman mereka terhadap risiko, peluang, dan strategi bisnis. Melalui pembelajaran yang berbasis simulasi ini, Monsoonsim menciptakan lingkungan yang mendukung pemahaman mendalam tentang dinamika bisnis dan mendorong lahirnya wirausahawan-wirausahawan muda. Kata kunci: Kewirausahaan, Monsoonsim, Strategi Bisnis.
PELATIHAN LITERASI KEUANGAN: PERENCANAAN KEUANGAN UNTUK SISWA SMA DHARMA BAKTI LUBUK PAKAM Afrizal Afrizal; Albert Herlambang; Sri Rezeki; Hommy Dorthy Ellyany Sinaga; Petrus Loo; Claudie Tiofanny
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol. 5 No. 1 (2025): April 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v5i1.3090

Abstract

Abstract: In today's digital era, financial literacy has become a crucial skill for the younger generation, especially high school students, to manage their finances effectively and responsibly. This enables them to handle their finances wisely and avoid harmful financial risks. This article discusses the implementation of a financial literacy training held at SMA Dharma Bakti Lubuk Pakam on March 8, 2025, attended by 59 selected students, the results obtained, and recommendations for sustainable financial literacy development within the school environment. The training focused on two main topics: financial planning and understanding online loans. The training aimed to enhance students' knowledge and skills in managing personal finances as well as recognizing the risks and mechanisms of online loans, which are prevalent among teenagers. The training methods included interactive lectures and individual case studies. Keywords: Financial Literacy; Online Loans; Financial Planning; Financial Education; Digital Finance. Abstrak: Di era digital saat ini, literasi keuangan telah menjadi keterampilan yang sangat penting bagi generasi muda khususnya siswa Sekolah Menengah Atas (SMA) untuk mengelola keuangan mereka secara efektif dan bertanggung jawab agar mampu mengelola keuangan secara bijak dan terhindar dari risiko finansial yang merugikan. Artikel ini membahas pelaksanaan pelatihan literasi keuangan yang diadakan di SMA Dharma Bakti Lubuk Pakam pada tanggal 08 Maret 2025, yang diikuti oleh 59 siswa terpilih hasil yang diperoleh, serta rekomendasi untuk pengembangan literasi keuangan yang berkelanjutan di lingkungan sekolah. Pelatihan ini menitikberatkan pada dua topik utama, yaitu perencanaan keuangan dan pemahaman pinjaman online. Pelatihan ini bertujuan untuk meningkatkan pengetahuan dan keterampilan siswa dalam mengelola keuangan pribadi serta mengenali risiko dan mekanisme pinjaman online yang marak di kalangan remaja. Metode pelatihan meliputi ceramah interaktif, dan studi kasus individu. Kata Kunci: Literasi Keuangan; Pinjaman Online; Perencanaan Keuangan; Edukasi Keuangan; Keuangan Digital.
Pengaruh Manajemen Literasi Keuangan, Adopsi Teknologi, dan Keputusan Investasi Masyarakat Digital Loo, Petrus; Saleh, Muhammad; Utami, Dina; Pratiwi, Dini; Putri Wahyu
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/6mr47d02

Abstract

Penelitian ini bertujuan menganalisis pengaruh manajemen literasi keuangan dan adopsi teknologi terhadap keputusan investasi masyarakat Indonesia di era keuangan digital. Kajian ini dilatarbelakangi oleh meningkatnya akses masyarakat terhadap layanan keuangan digital dan instrumen investasi berbasis aplikasi, namun kualitas keputusan investasi tetap ditentukan oleh kemampuan memahami informasi keuangan, mengevaluasi risiko, serta memanfaatkan teknologi secara bijak. Penelitian ini menggunakan pendekatan kuantitatif eksplanatori dengan unit analisis masyarakat Indonesia pengguna layanan keuangan digital. Sampel penelitian berjumlah 385 responden yang dipilih melalui purposive sampling dan diperkuat dengan quota sampling sederhana. Data dikumpulkan menggunakan kuesioner berskala Likert dan dianalisis melalui regresi linear berganda setelah memenuhi uji validitas, reliabilitas, dan asumsi klasik. Hasil penelitian menunjukkan bahwa manajemen literasi keuangan berpengaruh positif dan signifikan terhadap keputusan investasi masyarakat (B = 0,351; t = 7,278; p < 0,001). Adopsi teknologi juga berpengaruh positif dan signifikan terhadap keputusan investasi (B = 0,456; t = 9,756; p < 0,001). Secara simultan, kedua variabel berpengaruh signifikan terhadap keputusan investasi dengan nilai F = 221,639 dan R Square sebesar 0,537. Temuan ini menegaskan bahwa kualitas keputusan investasi masyarakat Indonesia tidak hanya dipengaruhi oleh kemudahan akses teknologi, tetapi juga oleh kemampuan mengelola pengetahuan keuangan secara rasional. Penelitian ini memberikan implikasi bagi regulator, lembaga keuangan, dan penyedia platform investasi digital untuk memperkuat edukasi investasi berbasis literasi keuangan digital dan keamanan teknologi.
Co-Authors Abdullah Sirad Afrizal AFRIZAL AFRIZAL Afrizal Afrizal Agam Sinaga Ahmad Junaedi Abas Alfiana Aminuyati Amril Amril Angelica Angelica Asianna Martini Simarmata Asliza Yusoff Budi Raharjo, Teguh Caroline Fransisca Charles Jhony Mantho Sianturi, Charles Jhony Mantho Claudie Tiofanny Darmawati Darmawati Dedy Lazuardi Deric Vesuvius Desma Erica Maryati Manik Dewantara, Nowell Dewi Melati Dian Setyorini Dina Hastalona Dina Rosmaneliana Dina Utami Edy Firmansyah EDY FIRMANSYAH Elisabeth Nainggolan Erbin Sitorus Ersa Tarigan Eva Solita Pasaribu Febri Yanto Zai Feby Audrey Feby Audrey Fitri Cahyani Herlambang, Albert Herni Suryani Hommy Dorothy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hutabarat, Metyria Imelda Jefri Jemmy Christian Rakinaung Junika Napitupulu Jupert Jasser Abellana Kelly Huang KRISTINA . Linda Wahyu Marpaung Lisa Elianti Nasution Loso Judijanto Luckyanto, Marvin MARDIAH HASANAH NASUTION Marihot Manullang Mashitah Binti Duralim Monetarist Butar Butar Muhammad Hafiz Abd Rashid Muhammad Saleh Nabilla Dwi Puspitasari Nainggolan, Susan G Ngurah Pandji Mertha Agung Durya Nikous Soter Sihombing NIRWANA DEWI HARAHAP Norhaslina BT Asri Novilia, Fitri Nur Fadzillah Binti Jaafar Pane, Yonson Pesta Gultom Phan Bao Giang Pratama Perangin-angin, Muhammad Farid Pratiwi, Dini Pristiyono Putri Wahyu Qadisa Putri Maharani Rahmad Dianta Purba Ramli Semmawi Rebecca Evadine Rebecca Evadine Ridwan Nurdin Rusmin Saragih, Rusmin SALEH SITOMPUL Sihombing, Marto Simarmata, Asiana Sinaga, Hommy Dorthy Ellyany Sipnarong Kanchawongpaisan Sirwindy Situmorang, Frenky Situmorang, Irvan Rolyesh Sri Rezeki Sri Rezeki Sri Rezeki Sri Rezeki Sri Rezeki Suardi Yakub Sujinny, Sujinny Sunday Ade Sitorus Suriani Suriani Susan G.V Nainggolan Susan Grace V Nainggolan Togar Timoteus Gultom Widalicin Januarty William Parlindungan Sihombing Wilson Wiranata Yulianti Hidayah