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All Journal Jurnal Tadbir Peradaban Journal of Trends Economics and Accounting Research kawanad PASAI : Jurnal Pengabdian kepada Masyarakat
Puspita, Esti Alemia
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Aerospace Engineering Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Control & Systems Engineering Economics, Econometrics & Finance Electrical & Electronics Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Peran Disperindagkop dan UKM dalam Mempromosikan Produk UKM di Kota Langsa Wiriani, Erni; Wani, Cut Eva; Puspita, Esti Alemia; Jamali, Jamali
Jurnal Tadbir Peradaban Vol. 3 No. 3 (2023): Jurnal Tadbir Peradaban
Publisher : Prodi Manajemen STIE Hidayatullah Depok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55182/jtp.v3i3.510

Abstract

Campur tangan pemerintah dalam kegiatan bisnis diperlukan, terutama dalam pengawasan UKM, mulai dari proses produksi hingga aktivitas pendistribusian produk sampai ke tangan konsumen. Sesuai dengan fungsinya, Disperindagkop dan UKM Kota Langsa berperan dalam memberdayakan produk UKM yang ada di wilayah Langsa supaya dapat menjalankan usahanya secara sukses dan bertumbuh. Salah satu kegiatan yang bersangkutan dinas bersangkutan untuk memberdayakan produk UKM adalah promosi. Tujuan promosi adalah agar produk UKM Kota Langsa lebih dikenal di masyarakat Kota Langsa maupun wilayah disekitarnya, sehingga proses tersebut mampu bersaing di pasar dan bersaing dengan produk sejenisnya yang lebih dahulu beredar di pasaran. Hasil penelitian yang diperoleh menunjukkan bahwa dengan adanya pameran dan promosi ini UKM dapat memperluas pemasarannya serta memperoleh peluang bekerjasama dengan mitra dagang. Disperindagkop dan UKM juga diidentifikasi memberikan kesempatan secara luas kepada masyarakat yang mengelola UKM untuk ikut serta dalam kegiatan pameran maupun expo yang diadakan.
Mekanisme Pembiayaan Murabahah dengan Jaminan Aset Tidak Bergerak pada PT. Bank Aceh Syariah Capem T. Umar Langsa Wiriani, Erni; Puspita, Esti Alemia; Wani, Cut Eva
Jurnal Tadbir Peradaban Vol. 4 No. 1 (2024): Jurnal Tadbir Peradaban
Publisher : Prodi Manajemen STIE Hidayatullah Depok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55182/jtp.v4i1.511

Abstract

Pembiayaan murabahah adalah pembiayaan berupa talangan dana yang dibutuhkan nasabah untuk membeli suatu barang dengan kewajiban mengembalikan talangan dana tersebut seluruhnya ditambah margin keuntungan bank pada waktu jatuh tempo. Bank memperoleh margin keuntungan berupa selisih harga beli dari pemasok dengan harga jual bank kepada nasabah. Jaminan asset tidak bergerak berdasarkan prinsip syariah dalam arti keyakinan atas kemampuan dan kesanggupan nasabah peminjam untuk melunasi kewajibannya sesuai dengan yang diperjanjikan merupakan faktor penting yang harus diperhatikan oleh manajemen bank syariah. Tujuan penelitian ini adalah untuk memahami mekanisme pembiayaan murabahah dengan jaminan aset tidak bergerak, serta memahami urgensi aset tidak bergerak. Lokasi penelitian pada PT Bank Aceh Syariah Capem T Umar Langsa, dan proses analisis dilakukan secara deskriptif. Berdasarkan hasil penelitian maka disimpulkan bahwa mekanisme pembiayaan murabahah dengan jaminan aset tidak bergerak pada PT. Bank Aceh Syariah Capem T Umar Langsa sudah dilakukan dengan tepat berbasis dari syarat permohonan yang sangat mudah dipenuhi oleh nasabah. Jaminan aset tidak bergerak yang hanya diperbolehkan ialah SHM (Sertifikat Hak Milik) tanah, dan bangunan dan kapal pesiar yang berukuran besar, dimana jaminan ini diperlukan dalam hal keseriusan nasabah dalam membayar pembiayaan yang telah diambil.
Pelatihan Manajemen Keuangan bagi Santri Dayah Darul Huda Menuju Kemandirian Wiriani, Erni; Puspita, Esti Alemia; Evawani, Cut; Fitriani
PASAI : Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 1 (2022): June
Publisher : Yayasan Pendidikan Mitra Mandiri Aceh(YPMMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58477/pasai.v1i1.6

Abstract

Dayah is one of the Islamic Education Institutions in Aceh as a non-governmental religious non-profit organization that provides services to children of trade. Management of Financial Management is still very simple which is a resource that directly supports effectiveness, efficiency and professionalism in the management of an Islamic educational institution (Dayah). Dayah's independence is one of the priority programs of the Ministry of Religion of the Republic of Indonesia in 2022. This will be achieved by improving the quality of Dayah's management/management of financial administration that is effective, efficient, transparent, accountable and professional. PKM Financial Management Training for Santri towards Dayah independence using Participatory Action Research (PAR). That is, all interested parties (stakeholders) are actively reviewing current actions to make changes and improvements for the better. The results of community service that have been carried out are several stages of Dayah's financial management that must be carried out, namely planning (budgeting), implementation (Actuating) and evaluation (Auditing). In addition to the Dayah Management Santri, they also receive assistance in the preparation of the 2022 RKAD (Dayah Budget Activity Plan). It is hoped that Dayah's financial management will be more transparent and accountable.
Peningkatan Literasi Digital Bagi Siswa Kelas XII SMA Jaya Kota Langsa Puspita, Esti Alemia; Erniwiriani
PASAI : Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 1 (2023): June
Publisher : Yayasan Pendidikan Mitra Mandiri Aceh(YPMMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58477/pasai.v2i1.92

Abstract

Increasing digital literacy among class XII students of SMA Jaya, Langsa City, is the main focus in this community service. Digital literacy is an important ability in facing challenges and opportunities in today's digital era. Approach to the method of activities carried out in this community service. The proposed activity methods include digital literacy training, discussion sessions, drill methods. Through the training, students will acquire deep digital literacy understanding and skills. The discussion sessions encourage students to think critically and gain a broader understanding of digital literacy issues. The drill method helps students improve their understanding and mastery of digital literacy through intensive and repetitive practice. This community service activity aims to increase the digital literacy of class XII students at SMA Jaya Langsa City so that they can participate effectively in an increasingly complex digital world. In collaboration with educators, digital literacy experts, and students, it is expected to have a significant positive impact on students in understanding and managing technology wisely. With increasing digital literacy among Jaya High School students in Langsa City, it is hoped that they will become a generation that is ready to face challenges and opportunities in the digital world. It is important for stakeholders to work together in carrying out this activity in order to achieve maximum results and provide real benefits for students
Optimalisasi Program Pusat Kegiatan Belajar Masyarakat (PKBM) Dalam Menurunkan Angka Putus Sekolah di Desa Alue Dua Kota Langsa Masitah; Wiriani, Erni; Puspita, Esti Alemia; Ahmad, Adi
PASAI : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 1 (2025): June
Publisher : Yayasan Pendidikan Mitra Mandiri Aceh(YPMMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58477/pasai.v4i1.311

Abstract

One of the key non-formal educational institutions contributing significantly to human resource development at the grassroots level is the Community Learning Activity Center (PKBM). PKBM offers a comprehensive range of educational services, including Early Childhood Education (PAUD), Functional Literacy (KF), Package A (equivalent to elementary school), Package B (equivalent to junior high school), Package C (equivalent to senior high school), Business Learning Groups (KBU), and is also equipped with Community Reading Gardens (TBM). The main objective of PKBM is to expand educational access, particularly for marginalized communities that have limited opportunities to participate in formal education. PKBM serves as a means of community empowerment by improving knowledge, skills, and fostering a positive mental attitude that supports personal development and economic advancement. This study employed a participatory approach, emphasizing the active role and involvement of community members as assisted partners. Findings reveal that the establishment of PKBM in Alue Dua Village was initiated by the aspirations of the local community, supported by organizers. The programs implemented not only provide alternative educational pathways but also serve as a platform for social and economic transformation. Thus, PKBM is expected to become a driving force in enhancing the quality of life and overall community welfare in a sustainable manner
Peran Artificial Intelligence dalam Mitigasi Risiko Transaksi Mobile Banking: Tinjauan Governansi dan Etika Data Wiriani, Erni; Jauharil Maknuni; Puspita, Esti Alemia; Masitah, Masitah
Journal of Trends Economics and Accounting Research Vol 6 No 1 (2025): September 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v6i1.2223

Abstract

The advancement of Artificial Intelligence (AI) technology has brought significant transformation in the digital banking sector, particularly in mobile banking services. One of the main challenges in this development is the increasing risk of suspicious transactions, including fraud and data misuse. This study aims to analyze the role of AI in mitigating the risks of suspicious transactions while reviewing the accompanying aspects of data governance and ethics. Using a qualitative approach through literature review and a case study at Bank Syariah Indonesia, Aceh Timur branch, which has implemented an AI-based fraud detection system, research data were obtained from the analysis of internal bank documents, in-depth interviews with IT staff and compliance managers, as well as observations of mobile banking operational processes. The findings indicate that AI is capable of enhancing both speed and accuracy in detecting unusual transaction patterns in real time. However, the effectiveness of AI implementation highly depends on sound technology governance, strict data protection policies, and the system’s alignment with ethical principles and transparency. In addition, the success of risk mitigation is also determined by the ability of financial institutions to maintain algorithm accountability and ensure the absence of bias in automated decision-making. This study emphasizes the importance of synergy between technological innovation and strong governance principles to create a safe, trustworthy, and equitable digital financial system. Recommendations are provided to strengthen internal banking policies related to algorithm auditing, customer data protection, and digital ethics training for AI system developers.
Pelatihan Manajemen Risiko Bagi Pelaku Usaha Mikro, Kecil dan Menengah Bagi Warga Belajar Pendidikan Kesetaraan Paket C di PKBM Cerdas Mandiri Kecamatan Peureulak Jamali; Jamil, Muhammad; Ismail; Refi, T. Muana; Aziz, Abdul; Evawani, Cut; Puspita, Esti Alemia; Ola, Vizatul
Kawanad : Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 1 (2022): March
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/kjpkm.v1i1.45

Abstract

This activity aims to provide risk management training for Micro, Small and Medium Enterprises for Community Learning Equivalent Education Paket C at PKBM Cerdas Mandiri, Peureulak District in order to increase knowledge, apply in dealing with risks that arise in building Micro, Small and Medium Enterprises for residents. learn Equivalence Education Package C who are members of the PKBM Cerdas Mandiri. The location of community service activities is carried out through face-to-face meetings at the PKBM Cerdas Mandiri Peureulak. Community Service Activities use the Pre-Test and Post-test methods, providing material by mentors, presentations by participants, and discussion and product exposure. The results of the activity provide knowledge for participants while still paying attention to the development of the business world and technological developments as well as insurance in running a business, by being able to predict the risks that will occur from the start, both financial data, place of business and external influences that cannot be predicted or the emergence of a business that is unpredictable. In the same way, it will be able to minimize the risk of losses that occur to UMKM carried out by Equality Education Participants in Peureulak District, East Aceh Regency
Co-Authors Abdul Aziz Ahmad, Adi Erniwiriani Evawani, Cut Fitriani Ismail Jamali Jamali Jamali, Jamali Jauharil Maknuni Masitah Masitah Masitah Muhammad JAMIL Ola, Vizatul Refi, T. Muana Wani, Cut Eva Wiriani, Erni