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All Journal JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) Majalah Ilmiah Warta Dharmawangsa Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Jurnal Ekonomika Manajemen Dan Bisnis Jurnal Pengabdian Bukit Pengharapan
Simanjuntak, Helmina
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Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Daya Beli Masyarakat Pada Sektor Retail Menjelang Nataru Di Kota Rantauprapat Japina, Henky; Sirait, Syamsinah; ., Rosnaida; Simanjuntak, Helmina
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2612

Abstract

This study aims to analyze the purchasing power of the community in the retail sector ahead of the Christmas and New Year (NATARU) celebrations in Rantauprapat City by examining the factors influencing purchasing power, including income, product quality, price, and business location. This research is a quantitative study with an explanatory research type, using a sample of 50 respondents who made purchases in the retail sector for NATARU celebrations. The partial results show that income, product quality, and business location have a positive and significant influence on purchasing power, while price has a negative and insignificant effect. Simultaneously, income, product quality, price, and business location have a positive and significant impact on purchasing power. The coefficient of determination value obtained is 78.2%, indicating that variations in purchasing power can be explained by income, product quality, price, and business location, while the remaining 21.8% is influenced by other factors not included in this research model. These findings indicate that increasing income, ensuring good product quality, and having a strategic business location can enhance purchasing power while maintaining competitive pricing to sustain consumer purchasing power.
Analisis Faktor-Faktor Yang Mempengaruhi Kemampuan Pengembalian Kredit Petani Kelapa Sawit Pada PT. Bank Rakyat Indonesia (Persero) di Kecamatan Air Joman Kabupaten Asahan Simanjuntak, Helmina; Widiya, Heni; Japina, Henky
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the factors that influence the ability to repay credit of oil palm farmers at PT. Bank Rakyat Indonesia (Persero) in Air Joman District, Asahan Regency. This study applies a quantitative approach with an associative research method. oil palm farmers who have credit loans at PT. BRI (Persero) in Air Joman District, Asahan Regency using a research sample of 60 people. Data were obtained through observation, questionnaires, and literature studies. Furthermore, data from the questionnaire were analyzed using multiple linear regression methods. The results of the study obtained based on partial tests (t-tests) showed that each factor of living expenses, other loans, financial management, production costs and credit literacy had a positive and significant effect on the ability to repay credit of oil palm farmers at PT. Bank Rakyat Indonesia (Persero) in Air Joman District, Asahan Regency, based on simultaneous tests (F-tests) it was found that the factors of living expenses, other loans, financial management, production costs and credit literacy had a positive and significant effect on the ability to repay credit of oil palm farmers at PT. Bank Rakyat Indonesia (Persero) in Air Joman District, Asahan Regency.
STRATEGI PEMASARAN DIGITAL UNTUK MENINGKATKAN EKONOMI UMKM DI DESA PADANG SARI Simanjuntak, Helmina; Sinaga, Saria; Sirait, Syamsinah
Jurnal Pengabdian Bukit Pengharapan Vol. 4 No. 2 (2024): Spesial Issue
Publisher : LPPM Institut Teknologi dan Bisnis Kristen Bukit Pengarapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/jurdian.v5i1.626

Abstract

This study examines the implementation of digital marketing strategies as a solution to improve the economy of Micro, Small and Medium Enterprises (MSMEs) in Padang Sari Village. In the era of digitalization, MSMEs face significant challenges in adopting digital technology for their business development. The study was conducted using a descriptive qualitative method involving 50 MSME actors in Padang Sari Village as respondents. Data collection was carried out through direct observation, in-depth interviews, and documentation studies over a period of 6 months. The results of the study showed that the implementation of digital marketing strategies succeeded in increasing market reach by up to 150% and average turnover by 75%. The main obstacles identified included limited digital infrastructure, lack of understanding of technology, and minimal competent human resources. This study produces recommendations in the form of a digital marketing implementation framework that is adjusted to the characteristics of rural MSMEs, including the development of digital presence, optimization of social media, e-commerce integration, and sustainable HR capacity development programs.
PELATIHAN DAN PENDAMPINGAN LITERASI MANAJEMEN KEUANGAN UNTUK MENINGKATKAN KAPASITAS SUMBER DAYA MANUSIA PADA SISWA MTS SWASTA MUHAMMADIYAH 3 KISARAN Andriani, Dian Ayu; Simanjuntak, Helmina; Batubara, Zulfa Khairina; Hilmiatussahla, Hilmiatussahla
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol 5, No 1 (2025): April 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v5i1.3769

Abstract

Abstract: Low financial knowledge in students of MTS Muhammadiyah 3 Kisaran is a serious challenge to form the character of the young generation who are capable of financial management. This community service activity aims to improve the abilities of students of MTs Muhammadiyah 3 Kisaran, which aims to train and support financial management literacy. The method used is a participatory approach that combines lectures, interactions, simulations, group discussions, daily financial journal management, and weekly developments. Evaluation was carried out after testing and interviews with students. The results showed a significant increase in economic understanding, including in individual financial management. Students can distinguish between needs and wants, record expenses and grow savings habits. In addition, students showed intellectual changes in economic attitudes and behavior, and the formation of habits to make individual financial records. Teachers and parents also supported the impact of their activities. This activity proves that financial skills can be communicated effectively from the junior high school level through a sustainable approach to education. This program can be replicated as part of character education in other institutions and can improve students' skills. Keywords: Financial Literacy, Financial Management, MTs Muhammadiyah 3 Kisaran Students, Life Skills Abstrak: Pengetahuan keuangan yang rendah pada siswa MTS Muhammadiyah 3 Kisaran adalah tantangan serius untuk membentuk karakter generasi muda yang cakap dalam manajemen keuangan.Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan kemampuan siswa MTs Muhammadiyah 3 Kisaran, yang bertujuan untuk melatih dan mendukung literasi manajemen keuangan. Metode yang digunakan adalah pendekatan partisipatif yang menggabungkan ceramah, interaksi, simulasi, diskusi kelompok, manajemen jurnal keuangan harian, dan perkembangan  mingguan. Evaluasi dilakukan setelah pengujian  dan wawancara pada siswa. Hasilnya menunjukkan peningkatan yang signifikan dalam pemahaman ekonomi, termasuk dalam pengelolaan keuangan secara individu. Siswa dapat membedakan  antara kebutuhan dan keinginan, mencatat pengeluaran dan tumbuh kebiasaan menabung. Selain itu, siswa menunjukkan perubahan intelektual dalam sikap dan perilaku ekonomi, dan pembentukan kebiasaan untuk membuat catatan keuangan individu . Guru dan orang tua juga mendukung dampak kegiatan mereka.Kegiatan ini membuktikan bahwa keterampilan keuangan dapat dikomunikasikan secara efektif dari tingkat pendidikan menengah pertama melalui pendekatan yang berkelanjutan terhadap pendidikan. Program ini dapat direplikasi sebagai bagian dari pendidikan karakter di lembaga lain dan dapat meningkatkan keterampilan siswa. Kata Kunci : Literasi Keuangan, Manajemen Keuangan, Siswa MTs Muhammadiyah 3 Kisaran, Life Skill
THE EFFECT OF GROSS DOMESTIC PRODUCT, INFLATION AND FOREIGN DIRECT INVESTMENT ON INEQUALITY IN INDONESIA Sirait, Syamsinah; Japina, Henky; Simanjuntak, Helmina; Sinaga, Saria
JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) Volume 13 Nomor 2 Tahun 2025
Publisher : Universitas Putera Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33884/jimupb.v13i2.10133

Abstract

This study investigates the effects of Gross Domestic Product (GDP), inflation, and Foreign Direct Investment (FDI) on income inequality in Indonesia from 2010 to 2024, using the Gini ratio as a measure and employing multiple linear regression analysis on secondary data from the Indonesian Bureau of Statistics and Bank Indonesia. The findings reveal that GDP has a negative and statistically significant effect on inequality (p = 0.0424), suggesting that economic growth tends to narrow income disparities, whereas inflation exerts a positive and significant influence (p = 0.0326), indicating that higher inflation exacerbates unequal income distribution. Conversely, FDI was found to have no statistically significant impact (p = 0.3910). Together, these variables explain approximately 41% of the variation in inequality, highlighting the importance of pursuing inclusive growth strategies, effective inflation management, and enhancing the impact of foreign investment on income distribution. The policy implications underscore the need for government efforts to promote inclusive development, maintain price stability, and redesign FDI policies to contribute more directly to job creation and strengthening productive sectors
PENGARUH EKSPOR, IMPOR DAN PRODUK DOMESTIK BRUTO (PDB) TERHADAP CADANGAN DEVISA INDONESIA Japina, Henky; Hidayat, Syahrijal; Sinaga, Saria; Simanjuntak, Helmina; Purba, Asra Idriyansyah
Jurnal Warta Dharmawangsa Vol 19, No 3 (2025)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v19i3.7103

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh ekspor, impor, dan produk domestik bruto (PDB) terhadap cadangan devisa Indonesia. Dengan menggunakan data time series dari tahun 2016 hingga kuartal kedua 2024, penelitian ini menerapkan analisis regresi linear berganda untuk mengidentifikasi hubungan antara variabel-variabel tersebut. Hasil penelitian menunjukkan bahwa ekspor memiliki pengaruh positif dan signifikan terhadap cadangan devisa, sedangkan impor memiliki pengaruh negatif signifikan. Selain itu, PDB juga menunjukkan pengaruh positif dan signifikan terhadap cadangan devisa. Secara simultan, ketiga variabel tersebut berpengaruh signifikan terhadap cadangan devisa. Penelitian ini menekankan pentingnya pengelolaan kebijakan perdagangan internasional dan pertumbuhan ekonomi yang berkelanjutan untuk mempertahankan dan meningkatkan cadangan devisa nasional.
Co-Authors ., Rosnaida Batubara, Zulfa Khairina Dian Ayu Andriani Henky Japina Hidayat, Syahrijal Hilmiatussahla, Hilmiatussahla Purba, Asra Idriyansyah Sinaga, Saria Sirait, Syamsinah Widiya, Heni