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All Journal Jurnal Pengabdian Masyarakat Indonesia International Journal of Islamic Business Management
Putri Anggraini
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Peningkatan Kreativitas dan Inovasi Produk Olahan Ikan Sebagai Penggerak Ekonomi Lokal di Desa Lubuk Tukko Putri Anggraini; Dinda Aulia Sari; Putri Hayati; Nur Aisyah Tanjung; Mhd Yadi Harahap
JURNAL PENGABDIAN MASYARAKAT INDONESIA Vol. 5 No. 1 (2026): Februari: Jurnal Pengabdian Masyarakat Indonesia (JPMI)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jpmi.v5i1.6329

Abstract

This article examines the role of creativity and innovation in the development of processed fish products as a driver of local economic growth in Lubuk Tukko Village. Through the Community Service Program (KKN), training and mentoring were provided to MSMEs in product diversification, quality improvement, and digital marketing. The results showed increased product added value, market expansion, and the growth of entrepreneurship among the village community. Innovation in processed fish products not only increased household income but also created new jobs and strengthened village food security. The main obstacles faced included limited capital and technology, which could be overcome through cross-sectoral collaboration. This program serves as a model for economic empowerment based on local resources that is adaptive, innovative, and sustainable.
TIME VALUE OF MONEY SEBAGAI DASAR PENGAMBILAN KEPUTUSAN INVESTASI MODERN: Analisis Literatur Pada Real Aset, Pasar Uang, Dan Securities Crowdfunding Putri Hayati; Sabrina Faraditha; Putri Anggraini; Pebriansyah Siregar; Rahman Saleh Nasution; Danu Wijaya; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the application of the Time Value of Money (TVM) concept across three major investment categories—money market instruments, real assets, and securities crowdfunding—by emphasizing how the principle of time-based value shapes the evaluation of risk, feasibility, and the real value of investment returns. Using data on policy interest rates, inflation levels, residential property price growth, rental yields, money market mutual fund performance, and the return–default ratio within the crowdfunding industry, this study demonstrates that TVM plays a crucial role in determining whether an investment can generate positive real value for investors. In the money market, TVM helps assess whether relatively low returns can withstand inflationary pressures and high benchmark interest rates; in real assets, it measures the long-term viability of rental income and capital gains amid moderate property price growth; and in crowdfunding, it becomes essential for evaluating uncertain cash flows and higher risks despite attractive nominal returns. The findings affirm that TVM is not merely a theoretical concept but a practical foundation necessary for making objective, rational, and measurable investment decisions within the dynamics of the modern economy.
Co-Authors Danu Wijaya Dinda Aulia Sari Harahap, Muhammad Ikhsan Mhd Yadi Harahap Nur Aisyah Tanjung Pebriansyah Siregar Putri Hayati Rahman Saleh Nasution Sabrina Faraditha