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All Journal Salam (Islamic Economics Journal) Jurnal Pengabdian Kepada Masyarakat Indonesia
Simangunsong, Bernadeth Yosephine Priskilla
Universitas Borneo Tarakan
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Public Health Social Sciences

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Transformasi Penyaluran Kredit Modal Kerja UMKM melalui Dana Pihak Ketiga: Kajian Sebelum dan Setelah Penerapan Keuangan Inklusif Simangunsong, Bernadeth Yosephine Priskilla; Tri Darmawanto, Agus; Amin, Sinta Amin
Salam (Islamic Economics Journal) Vol. 6 No. 1 (2025): June 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/sdt29r61

Abstract

Banking financial institutions are integral components of the financial system, functioning as financial intermediaries that facilitate the flow of funds. The observed increase in third-party funds is attributed to the initiation of the Financial Inclusion Program. Currently, the banking sector is beginning to recognize the strategic importance of Micro, Small, and Medium Enterprises (MSMEs), especially considering their role as economic stabilizers during times of crisis. The primary objective of this study is to examine the effect of third-party funds on working capital loans for MSMEs, and to compare the outcomes before and after the implementation of financial inclusion policies. The study employs simple linear regression analysis alongside a paired t-test and descriptive analysis to assess the extent of implementation in the city of Tarakan. The findings reveal that third-party funds have a positive and significant influence on MSME working capital loans. Furthermore, significant differences are observed in both third-party funds and MSME working capital loans between the pre- and post-financial inclusion periods. The financial inclusion agents who participated in this study are all individual agents operating independently. In terms of service usage, the most frequent transactions reported by customers include fund transfers, bill payments, and cash withdrawals. However, these agents were also found to have limited financial literacy, indicating a gap in their understanding of broader financial concepts and practices.   
Sosialisasi Program Studi Ekonomi Pembangunan Fakultas Ekonomi Universitas Borneo Tarakan Di Kabupaten Nganjuk Jawa Timur Agus Tri Darmawanto; Zakaria Basran; Bernadeth Yosephine Priskilla Br Simangunsong; Adhy Satya Pratama
Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) Vol. 5 No. 1 (2025): April : Jurnal Pengabdian Kepada Masyarakat Indonesia (JPKMI)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jpkmi.v5i1.7805

Abstract

Socialization of the Development Economics Study Program is a key strategy in expanding access to information and increasing participation in higher education. This article describes the implementation of the socialization activity for the Development Economics Study Program, Faculty of Economics, Borneo Tarakan University, in Nganjuk Regency, East Java. The main objective is to introduce the study program's profile, career opportunities, and its role in supporting the development of Indonesia’s border regions. The activity was conducted through presentations, interactive discussions, and the distribution of promotional materials. The results revealed a high level of enthusiasm among high school students and local stakeholders, along with an improved understanding of the importance of Development Economics studies. This socialization effort contributed to enhancing the positive perception of Borneo Tarakan University as a strategic higher education institution supporting national development from the border.
Co-Authors Adhy Satya Pratama Agus Tri Darmawanto Amin, Sinta Amin Tri Darmawanto, Agus Zakaria Basran