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All Journal Journal on Education JURNAL LENTERA BISNIS Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Jurnal Pengabdian Masyarakat Bangsa Jurnal Penelitian Pendidikan Indonesia
Christnova Hasugian
Universitas HKBP Nommensen
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Energy Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Pelatihan Peningkatan Omset Penjualan Melalui Marketplace pada Pengrajin Kayu dan Pengusaha Souvenir di Kabupaten Samosir Hanna Meilani Damanik; Christnova Hasugian; Hendrik E.S Samosir; Martin Luter Purba
Jurnal Pengabdian Masyarakat Bangsa Vol. 1 No. 8 (2023): Oktober
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v1i8.410

Abstract

Pengabdian  berisi tentang pelaksanaan kegiatan pelatihan untuk meningkatkan omset penjualan dengan memanfaatkan teknologi digital pada pengrajin kayu dan pengusaha souvenir pada Kabupaten Samosir.  Selama ini para pengrajin dan pengusaha di daerah Kabupaten Samosir masih sangat bergantung pada pemasaran secara tradisional sehingga omset penjualan produk mereka tergolong rendah. Oleh karena itu, maka pengabdian ini dilakukan untuk memberi pengetahuan bagaimana memanfaatkan market place sebagai media pemasaran sekaligus cara meningkatkan omset penjualan para pengrajin kayu dan pengusaha souvenir di Kabupaten Samosir.  Adapun market place yang diperkenalkan adalah Shopee. Metode yang digunakan adalah ceramah dan pelatihan dalam menuntun langkah-langkah dalam pembuatan akun Shopee untuk berjualan. Melalui kegiatan pengabdian masyarakat ini, pelatihan memotivasi pelaku UMKM diharapkan mampu menjadi sumber daya manusia yang memiliki kompetensi inti yang menjadi sumber keunggulan bersaing.  Dengan pemahaman mereka setelah mendengarkan dan mengikuti segala bentuk wacana, mereka menyadari pentingnya melek teknologi, pemanfaatan akun marketplace sebagai penjual dapat membantu pelaku UMKM dalam meningkatkan omset penjualan mereka.
KUALITAS PELAYANAN CUSTOMER SERVICE TERHADAP KEPUASAN NASABAH DI BANK BRI UNIT MANDREHE Melsy Nathania Daeli; Juan Exsaudia Sihombing; Elsa Elsita Khoerunisa; Rukiah Natasya Sihite; Zefanya Putri Sianipar; Hamonangan Siallagan; Christnova Hasugian
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 1 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i1.1762

Abstract

Service quality is a unique phenomenon, because the dimensions and indicators can vary in each community involved in the service. BRI Mandrehe unit prioritizes the quality of service provided in the form of speed and comfort provided to customers. One form of problem that is a phenomenon experienced by customers and needs to be a main concern For banks, what must always be improved and improved so that bank performance becomes more productive is the queue that occurs when waiting for banking services. This research aims to determine the quality of customer service on customer satisfaction at the Mandrehe unit of BRI Bank. In this research the data used is primary data. The type of data in this research is secondary data. The data collection methods in this research are field studies and literature studies. The method used is descriptive qualitative. The results of this research are, firstly, customer service plays an important role in providing the best service to customers. Therefore, Bank BRI Mandrehe unit prioritizes the appearance of its customer service standards, such as dressing politely, neatly and neatly. Second, customer service as a communicator is responsible for providing all information about bank products or services to customers, accommodating customer complaints and objections. BRI Mandrehe unit prioritizes customer service in carrying out tasks in accordance with standard operating procedures. For this reason, BRI Mandrehe unit customer service must be smiling, smooth, friendly, calm and patient in serving each customer.
PENGARUH PENGGUNAAN TABUNGAN TERHADAP PERTUMBUHAN LABA BERSIH Frandy Swito Sitorus; Rahel Wina Sinaga; Gracelli Panjaitan; Jesica Septiana Sidabutar; Nathalina Simanjuntak; Hamonangan Siallagan; Christnova Hasugian
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 1 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i1.1770

Abstract

Dalam kondisi perekonomian yang terus berkembang, sektor perbankan mempunyai peluang dan kemungkinan yang besar dalam perannya sebagai sumber pembiayaan bagi masyarakat dan dunia usaha. Salah satu layanan yang ditawarkan oleh bank adalah tabungan. Tabungan adalah simpanan uang di bank yang penarikannya hanya dapat dilakukan menurut syarat tertentu. Tabungan merupakan fungsi bungan menurut sudut pandang ekonomi klasik. Penggunaan tabungan dapat berpengaruh terhadap pertumbuhan laba bersih suatu perusahaan. Tabungan yang efisisen dan strategis dapat memberikan dampak positif pada keuangan perusahaan. Pertama, dengan memiliki tabungan yang cukup dan kedua, tabungan yang dikelola dengan baik memberikan keuntungan tambahan melalui investasi. Secara keseluruhan, penggunaan tabungan yang cerdas dan efisien dapat dapat mendukung pertumbuhan laba bersih perusahaan, tetapi manajemen perlu menjaga keseimbangan antara likuiditas, investasi, dan potensi return untuk mencapai hasil optimal.
PELAKSANAAN PROSEDUR REKENING GIRO NASABAH PADA BANK SUMUT Hesti Sitanggang; Irma Manik; Naomi Hutajulu; Tiur Sitanggang; Meliana Manurung; Christnova Hasugian; Hamonangan Siallagan
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 1 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i1.1771

Abstract

This research examines the implementation of customer checking account procedures at Bank Sumut with a focus on the efficiency of the account opening process, customer service, data security and protection, and technology adoption. Qualitative research methods, with a case study design, were used to gain an in-depth understanding of banking practices at Bank Sumut. The research results show that the procedure for opening a checking account is efficient, customer service is considered adequate, and the bank places security and data protection as a top priority. In addition, the adoption of technology, especially through digital banking applications, provides a convenient alternative for customers. However, the research also identifies future challenges and opportunities and provides recommendations for further development. These findings provide insight for Bank Sumut to improve services, maintain security, and face the dynamics of the banking industry.
PERAN BANK INDONESIA TERHADAP PELAKSANAAN KLIRING ANTAR BANK Yuni Y Simanullang; Royen P Munthe; Opsinar AT Aritonang; Berbi Canca Sitompul; Pita Artauli Sitorus; Christnova Hasugian; E. Hamonangan Siallagan
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 1 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i1.1781

Abstract

Tujuan utama dari penelitian ini adalah untuk menyelidiki peran Bank Indonesia sebagai bank pelaksana kliring antar bank. Dengan menerapkan metode penelitian normatif, kesimpulan yang dapat diambil adalah sebagai berikut: Dengan pelaksanaan kliring yang diatur oleh Bank Indonesia, perhitungan hutang-piutang antar bank dapat dilakukan dengan lebih mudah, menghemat tenaga, waktu, dan biaya. Pelaksanaan kliring bertujuan untuk memajukan dan memperlancar pembayaran uang giral dengan cara yang mudah, aman, dan efisien, serta untuk memastikan kepercayaan setiap nasabah. Dalam pelaksanaan kliring, perhitungan warkat antar bank dan perhitungan warkat yang berada dalam wilayah kliring antar cabang selalu diperhatikan. Persyaratan penting bagi peserta kliring termasuk bank-bank yang telah mendapatkan izin dari Bank Indonesia, memenuhi syarat sebagai peserta kliring, membuka rekening koran di Bank Indonesia, dan wajib menyetorkan saldo jaminan kliring.
PERAN BANK SENTRAL TERHADAP STABILITAS SISTEM KEUANGAN Daniel Purba; Samuel Panjaitan; Theresia Gultom; Noviditha Sembiring; Yosep Lumbangaol; Lisna Damanik; Christnova Hasugian; Hamonangan Siallagan
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 1 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i1.1816

Abstract

This research aims to determine the role of the Central Bank in maintaining financial system stability to create financial system stability, to find out the role of the Central Bank in maintaining and guaranteeing monetary stability and maintaining financial system stability. This research uses a literature review type of research. Literature review is a search and research of literature by reading books, journals and other publications related to research topics, to produce a particular topic or issue, such as to produce scientific writing, such as a thesis, thesis and dissertation. The results of this research show that the mechanism and role of the Central Bank in maintaining and maintaining financial stability is very important in the banking world. Therefore, maintaining the stability of the financial system remains the duty and responsibility of the Central Bank
EFEK MEKANISME GOOD CORPORATE GOVERNANCE TERHADAP KINERJA KEUANGAN MELALUI MEDIASI MANAJEMEN LABA Hendrik ES Samosir; Christnova Hasugian; Sri Ida Royani Simanjuntak; Aldian Syahputra Perangin-angin
JURNAL LENTERA BISNIS Vol. 13 No. 3 (2024): JURNAL LENTERA BISNIS, SEPTEMBER 2024
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v13i3.1238

Abstract

The purpose of this study is as follows. To determine the effect of Good Corporate Governance/GCG (Institutional Ownership, Managerial Ownership, Board of Commissioners Size) on Financial Performance (ROA). To determine the effect of Good Corporate Governance/GCG (Institutional Ownership, Managerial Ownership, Board of Commissioners Size) on Earnings Management. To determine the effect of Earnings Management on Financial Performance (ROA). To determine the effect of Good Corporate Governance/GCG (Institutional Ownership, Managerial Ownership, Board of Commissioners Size) on Financial Performance (ROA) through Earnings Management. The research method is quantitative method, associative research. The results of the study did not show a significant effect of Institutional Ownership on Earnings Management. There was no significant effect of Institutional Ownership on ROA. There was no significant effect of Managerial Ownership on Earnings Management. There was no significant effect of Managerial Ownership on ROA. There was no significant effect of Earnings Management on ROA. There is no significant influence of the Size of the Board of Commissioners on ROA. There is a significant influence of the Size of the Board of Commissioners on ROA.
PENGARUH LAMA USAHA, UKURAN USAHA SERTA MODAL USAHA TERHADAP KINERJA UMKM DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MODERASI PADA UMKM DI SUMATERA UTARA Herti Diana Hutapea; Vebri M Lumbangaol; Christnova Hasugian; Sahat Martupa Siahaan
JURNAL LENTERA BISNIS Vol. 13 No. 3 (2024): JURNAL LENTERA BISNIS, SEPTEMBER 2024
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v13i3.1248

Abstract

This study aims to determine the effect of length of business, business size and business capital on MSME performance with financial literacy as a moderating variable in MSMEs in North Sumatra. Data collection using questionnaire distribution via google form with whattsap. The sampling technique used convenience simple random sampling. Determination of the number of samples using the Hair J.F. formula, (2010) the number of representative samples is dependent on the number of indicators multiplied by 5 to 10. The number of samples in this study was the number of indicators x 5 = 17 x 5 = 85. So that the sample of this study was 85 MSME players assisted by the North Sumatra Province cooperative and UKM office. And in hypothesis testing using Smart PLS 4.0. The results showed that the length of business and business size had a positive and significant effect on the performance of MSMEs in North Sumatra and business capital had no effect on the performance of MSMEs in North Sumatra while financial literacy did not moderate the influence between length of business, business size and business capital on the performance of MSMEs in North Sumatra.
Analisis Pelaksanaan Batas Maksimum Pemberian Kredit (BMPK) dan Implikasinya terhadap Kesehatan Bank: Tinjauan Literatur Esra Sparia Sihaloho; Rahel Rut Syeba Rajagukguk; Ester Novianti Sinaga; Angel Febriyanti Sinaga; Hamonangan Siallagan; Christnova Hasugian
Journal on Education Vol. 7 No. 2 (2025): Journal on Education: Volume 7 Nomor 2 Tahun 2025 In Progress (Januari-Februari
Publisher : Mathematics Education Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i2.8334

Abstract

This study aims to analyze the implementation of the Legal Lending Limit (LLL) in the banking sector and its implications for bank health. Legal Lending Limit (LLL) is a regulation set by Bank Indonesia and the Financial Services Authority to control concentration risk in lending, which aims to maintain financial system stability and public confidence in banks. Through the literature study method, this research identifies various challenges in the implementation of Legal Lending Limit (LLL), including the impact of economic fluctuations and the need for wider access to financing. The results show that while Legal Lending Limit (LLL) serves as a risk control tool, its implementation requires a deep understanding from banks and financial institutions to achieve a balance between risk control and credit provision. The study recommends improved education and training for relevant parties as well as the development of more responsive policies from banking authorities. The findings are expected to provide insights for the development of healthier and more sustainable banking practices.
The effect of internal control systems and accessibility on accountability and its impact on fraud in village financial management Hamonangan Siallagan; Mangasa Sinurat; Vebry Mardomdom Lumban Gaol; Christnova Hasugian; Tomi Irianto
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 11 No. 2 (2025): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020255531

Abstract

Villages are public sector organizations, so accountability is an important principle that must be reflected in their financial management. The accountability in managing the village funds is a demand for the local government as the village funds manager, as an implementation of the constitution number 6, 2014. The existed influence factor of the accountability in managing the village funds are internal control systems and accessibility. Increasing accountability in village fund management, the potential for fraud in fund management can be reduced. This research aim to determine the effect of internal control systems and accessibility of financial reports on accountability of village financial management, and the effect of accountability of village financial management on the potential for fraud in village financial management. The primary data used in this research were acquired by administering questionnaires to respondents. A total of 115 questionnaires were distributed directly to 29 villages in Samosir Regency. Rate of returned and completed questionnaire is 100%. Data analysis was carried out using the PLS with WarpPLS 7.0 software. The research results supported all hypotheses and found that; 1. internal control systems positively significant affect the accountability of village financial management, 2. accessibility of financial reports positively significant affect the accountability of village financial management and 3. The accountability of village financial management negatively significant affects the potential for fraud in village financial management. The research results indicated that The Internal Control System has a greater influence than accessibility. This in turn implies that the public would consider that village financial management is accountable if its financial report is prepared in accordance with the applicable standards and easily accessed. In addition, the potential for fraud will be reduced with increasing accountability in village financial management. These results expect the village government to improve internal control and accessibility in managing village funds.
Co-Authors Aldian Syahputra Perangin-angin Angel Febriyanti Sinaga Berbi Canca Sitompul Daniel Purba E. Hamonangan Siallagan Elsa Elsita Khoerunisa Esra Sparia Sihaloho Ester Novianti Sinaga Frandy Swito Sitorus Gracelli Panjaitan Hamonangan Siallagan Hanna Meilani Damanik Hendrik E.S Samosir Hendrik ES Samosir Herti Diana Hutapea Hesti Sitanggang Irma Manik Jesica Septiana Sidabutar Juan Exsaudia Sihombing Lisna Damanik Mangasa Sinurat Martin Luter Purba Meliana Manurung Melsy Nathania Daeli Naomi Hutajulu Nathalina Simanjuntak Noviditha Sembiring Opsinar AT Aritonang Pita Artauli Sitorus Rahel Rut Syeba Rajagukguk Rahel Wina Sinaga Royen P Munthe Rukiah Natasya Sihite Sahat Martupa Siahaan Samuel Panjaitan Sri Ida Royani Simanjuntak Theresia Gultom Tiur Sitanggang Tomi Irianto Vebri M Lumbangaol Vebry Mardomdom Lumban Gaol Yosep Lumbangaol Yuni Y Simanullang Zefanya Putri Sianipar