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All Journal Journal TEPAT: Teknologi Terapan untuk Pengabdian Masyarakat Jurnal Inovasi Artificial Intelligence & Komputasional Nusantara
Aldo Firmansyah
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Education Engineering Mathematics Public Health

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Peran Fintech Dalam Meningkatkan Akses Keuangan Umkm Di Kota Pematangsiantar Prestisya, Yunisha Erin; Kirana, Sasy; Dhea Aningthia; Dwi Alfiani Siregar; Aldo Firmansyah; Muhammad Ramadhan Syahputra; Bahrudi Efendi Damanik
Jurnal Inovasi Artificial Intelligence & Komputasional Nusantara Vol. 3 No. 1 (2025): Volume 3 No 1 Tahun 2025
Publisher : PT Siantar Codes Academy Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.260396/tapewk32

Abstract

Penelitian ini mengkaji peran fintech dalam meningkatkan akses keuangan bagi Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Pematangsiantar. Melalui metode studi kepustakaan, penelitian menemukan bahwa fintech berkontribusi signifikan dalam memfasilitasi akses pembiayaan, meningkatkan efisiensi operasional, dan meningkatkan literasi keuangan pelaku UMKM. Fintech menyediakan alternatif pembiayaan yang lebih cepat dan fleksibel dibandingkan lembaga keuangan konvensional yang seringkali menghambat UMKM karena persyaratan peraturan dan dokumen legalitas yang ketat. Data menunjukkan peningkatan penggunaan layanan fintech seperti QRIS yang mendukung transaksi digital UMKM secara signifikan. Namun penerapan fintech masih terkendala oleh rendahnya literasi digital dan keuangan, infrastruktur yang belum merata, serta kekhawatiran akan keamanan data dan regulasi yang belum optimal. Penelitian menekankan perlunya strategi kolaboratif yang melibatkan pemerintah, penyedia layanan fintech, institusi pendidikan, dan komunitas lokal untuk meningkatkan kapasitas UMKM melalui pendidikan dan pelatihan. Sinergi ini diharapkan dapat mendorong transformasi ekosistem UMKM menuju digital yang inklusif dan berkelanjutan, sekaligus memperkuat pertumbuhan ekonomi lokal.  
Optimizing Coconut Shell Waste for Biobriquettes as an Environmentally Friendly Energy Solution in Katapiang, Batang Anai, Padang Pariaman Riski Gunawan Nasution; Rehan Aditya Nugraha; Aldo Firmansyah; Ryoshi Meijisa Reigi Putra; Alfi Syahri
JURNAL TEPAT : Teknologi Terapan untuk Pengabdian Masyarakat Vol 9 No 1 (2026): Environmental-based Awareness for Agile Community Strength
Publisher : Faculty of Engineering UNHAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25042/jurnal_tepat.v9i1.680

Abstract

This community service program aimed to optimize the utilization of coconut shell waste into biobriquettes as an environmentally friendly alternative energy source in Korong Pilubang, Nagari Katapiang. The program partners included farmer groups, PKK women's groups, youth organizations (Karang Taruna), and local MSMEs. This initiative addressed the issue of abundant coconut shell waste generated from coconut farming activities, which had not been optimally utilized and often contributed to environmental pollution. Through a participatory approach, the program provided comprehensive training and direct technical assistance covering carbonization, molding, and packaging processes of biobriquettes. The implementation produced biobriquettes with specifications of 3 cm in diameter, 6 cm in height, and a burning duration of 2–3 hours per unit. Quantitative evaluation using pre-test and post-test methods revealed significant improvements in participants' understanding of biobriquette concepts (from 45% to 85%), carbonization techniques (from 35% to 80%), economic benefits (from 50% to 90%), and practical skills (from 30% to 75%). The program has also generated measurable economic impact, including fuel cost savings of up to 40% for small businesses and 30% for households. These outcomes have been sustained through the establishment of an independent production group and increased community awareness of renewable energy and sustainable waste management, supported by close collaboration with the local village government.
Co-Authors Alfi Syahri BAHRUDI EFENDI DAMANIK Dhea Aningthia Dwi Alfiani Siregar Kirana, Sasy Muhammad Ramadhan Syahputra Prestisya, Yunisha Erin Rehan Aditya Nugraha Riski Gunawan Nasution Ryoshi Meijisa Reigi Putra