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All Journal Management Studies and Entrepreneurship Journal (MSEJ) GANDRUNG: Jurnal Pengabdian Kepada Masyarakat International Journal of Scientific Multidisciplinary Research (IJSMR)
Merry Rusida S
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Decision Sciences, Operations Research & Management Education Law, Crime, Criminology & Criminal Justice Mechanical Engineering Physics Social Sciences Other

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Analisis Pengaruh Sistem Pembayaran Non Tunai, Infrastruktur Digital Dan Teknologi Digital Terhadap Pertumbuhan Ekonomi Di Sumatera Utara Muliana, Venessa; Josua Hutauruk; Dhani Verba Tarigan; Setiawan Zai; Merry Rusida S; Rifqah Harahap
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8362

Abstract

Penggunaan sistem pembayaran non-tunai kini semakin meluas di tengah masyarakat karena menawarkan kemudahan dalam melakukan transaksi keuangan. Metode ini, yang dikenal sebagai cashless, telah diadopsi di berbagai wilayah Sumatera Utara. Penerapan sistem ini terbukti memberikan dampak positif terhadap pertumbuhan ekonomi nasional. Transaksi yang berjalan lebih efisien turut mempercepat perputaran uang dalam perekonomian, sehingga mampu mendorong peningkatan aktivitas ekonomi secara keseluruhan. Keunggulan utama sistem ini terletak pada efisiensi dan keamanannya dalam melakukan pembayaran. Menurut laporan Badan Kebijakan Fiskal, masyarakat pengguna sistem pembayaran non-tunai merasakan berbagai manfaat, seperti kemudahan, kenyamanan, dan efisiensi dalam bertransaksi. Selain menguntungkan individu, sistem ini juga memberikan nilai tambah bagi pelaku usaha dan pemerintah. Bagi sektor usaha, penggunaan sistem digital dapat mengurangi biaya transaksi, sedangkan bagi pemerintah, sistem ini mempermudah pengawasan dan pengelolaan transaksi secara transparan dan sistematis. Lebih lanjut, sistem pembayaran digital diyakini berperan dalam menciptakan pertumbuhan ekonomi yang lebih merata dan inklusif, serta berkontribusi pada pengurangan angka kemiskinan. Berdasarkan data dari International Monetary Fund (IMF), Indonesia menempati posisi ketiga tertinggi di dunia dalam hal pertumbuhan ekonomi selama lima tahun terakhir, setelah India dan Tiongkok. Selain itu, angka kemiskinan serta pengangguran menunjukkan penurunan. Oleh karena itu, dapat dikatakan bahwa penerapan sistem pembayaran non-tunai membantu mendorong ekonomi dan meningkatkan kesejahteraan masyarakat.
Socialization is Important to Grow Social Sense and Empathy for People in Berkat Bintang Sejati Orphanages Feby Yoana Siregar; Merry Rusida S; Devi Alvionita Alindra; Wenny; Ivana; Kiki Goslim; Munthe, Herlin
GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 1 (2024): GANDRUNG: Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Olahraga dan Kesehatan, Universitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/gandrung.v5i1.3539

Abstract

Community Service Activities are carried out on Jl Sei Sihalian, Sei Sikambing D, Kec. Medan Petisah, Medan City, North Sumatra 20114. Time for implementation activities January 28 2024. Service activities carried out in the form of discussions and direct practice with children at the Berkat Bintang Sejati Orphanage. In helping children overcome their problems and find alternatives to fulfill their living needs and have the skills to provide them with life. In this program children are expected to be able to live independently and develop every potential they have so that the child's welfare can be fulfilled and the child's normal development can be fulfilled and it is hoped that the child will be able to develop the abilities he has, because in a child's development it is hoped that all the child's needs can be met, so that development children become optimal.
The Influence of Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on ROA in Banking Companies Listed on the Indonesian Stock Exchange Period 2018-2022 Anjelika Bella Cantika; Maxqulin; Merry Rusida S
International Journal of Scientific Multidisciplinary Research Vol. 2 No. 7 (2024): July 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsmr.v2i7.10552

Abstract

Examining and assessing the effects of The purpose the loan to deposit ratio (LDR) and return on assets (ROA) of financial institutions listed on the Indonesian Stock Market in relation to non-performing loans (NPL). The nature of this study methodology is quantitative. The study sample consists of ten banking organizations that are registered on the Indonesian Stock Exchange (Persero) Tbk and have financial reports covering a five-year period, from 2018 to 2022. This implies that there are a total of 50 samples (10 x 5). The study finds that for every additional person who raises the quantity of non-performing loans (NPL) (x1) while keeping the loan to deposit ratio (LDR) constant (x2), profitability will drop by an average of –1,268. This implies the existence of non-performing loans (NPL). little effect on the financial success ofbanking companies listed on the IDX; nonetheless, the profit margin will lose an average of 5,255 if the Loan To Deposit Ratio (LDR) (x2) rises by one while the Non-Performing Loans (NPL) (x1) stay the same. It is clear from this how much each predictor effects the response variables and how the Loan to Deposit Ratio (LDR) affects the profitability of banks listed on the BEI. This suggests that the criteria of Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) have a big influence on the bank profitability displayed on the IDX. Liability to Deposit Ratio (LDR) and Non-Performing Loans (NPL) together have an influence of 0.308, or 30.8%, while additional factors not covered in this study account for the remaining 69.2%
Co-Authors Anjelika Bella Cantika Dhani Verba Tarigan Feby Yoana Siregar Herlin Munthe Ivana Josua Hutauruk Kiki Goslim Maxqulin Muliana, Venessa Rifqah Harahap Setiawan Zai Wenny