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Lemahnya Kondisi Ekonomi Masyarakat Akibat Peminjaman Kredit Usaha Rakyat (KUR) yang Tidak Tepat Sasaran Rani Astria Silvera harahap; Mira Yanti Lubis; M. Luthfi hasibuan; Nurhayani Lubis; Hidayat nasution; Putri juliana
Jurnal Intelek Insan Cendikia Vol. 2 No. 8 (2025): AGUSTUS 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan masyarakat serta mengevaluasi efektivitas pelaksanaan program Kredit Usaha Rakyat (KUR) di tingkat desa. Hasil survei menunjukkan bahwa seluruh responden (100%) telah mengetahui program KUR dan sebagian besar masyarakat telah mengaksesnya. Namun, berdasarkan survey menunjukkan bahwa sebagian dari mereka menggunakan dana KUR untuk kebutuhan sehari-hari, bukan untuk modal usaha sebagaimana yang diharapkan. Akibatnya, mayoritas responden merasa kondisi ekonomi mereka memburuk, serta mengalami kesulitan dalam membayar cicilan. Selain itu, responden juga menilai penyaluran KUR belum tepat sasaran karena banyak diberikan kepada individu tanpa rencana usaha yang jelas. Kegiatan ini memberikan dampak positif berupa meningkatnya kesadaran masyarakat terhadap pentingnya perencanaan keuangan dan penggunaan dana secara produktif. Kendati demikian, keterbatasan berupa minimnya jangkauan peserta dan kurangnya tindak lanjut berupa pelatihan usaha masih menjadi tantangan. Oleh karena itu, direkomendasikan adanya verifikasi ketat, pelatihan prapencairan, serta pendampingan usaha untuk memastikan efektivitas dan ketepatan sasaran program KUR sebagai alat pemberdayaan ekonomi masyarakat.
THE EFFECT OF CAREER DEVELOPMENT AND INCENTIVES ON EMPLOYEE WORK LOYALTY Juwita Magdalena Sitanggang; Immanuel Edy Suranta Sebayang; Hidayat Nasution
Journal of Financial Management & Accounting Vol. 1 No. 2 (2024): SEPTEMBER - FEBRUARY, 2024
Publisher : PT. MITRA ANGKASA INFORMATIKA

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Abstract

Loyalty is an attitude that shows employee loyalty and is an ongoing process of how an organization member expresses their attention to the success and goodness of the organization. If a person's loyalty is high then his performance will be better. Many factors affect employee work loyalty including career development and providing incentives. This study is to determine the effect of career development and incentives for employee loyalty both partially and simultaneously. Based on the research objectives, this type of research can be divided into quantitative and qualitative research types. The object of this research is the employees of PT. Aneka Karya Duta Medan, amounting to 65 people. The sampling technique uses a saturated sampling technique which means the population is the same as the sample. The data analysis technique used is multiple regression analysis. The results showed partially and simultaneously career development and the provision of incentives had an effect on employee work loyalty at PT. Various Works of Medan Ambassadors. The company is advised to promote employees, be fair to every employee, allow employees to take part in training to improve their careers, give bonuses to employees who excel, give commissions to employees who successfully achieve the set targets, give profit share every year if the company manages to achieve the set sales targets, give awards for the achievements achieved by employees and give praise for the achievements given by employees to the company. Keywords : Career Development, Giving Incentives and Work Loyalty
Pengaruh Program Bimbingan Kelompok terhadap Perilaku Disiplin Siswa di SD Negeri 1005 Sidomulio Rizki Hamdan Saputra; Hidayat Nasution; Siti Maryam Hasibuan; Jamilah Fahma Pulungan; Ence daulay; Fitriana Dalimunthe; Doarni Lubis
JURNAL ILMIAH RESEARCH STUDENT Vol. 3 No. 1 (2026): Maret
Publisher : KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jirs.v3i1.8384

Abstract

This study aims to determine the effect of group counseling programs on student discipline at SD Negeri 1005 Sidomulio. Student discipline problems are still frequently encountered, such as tardiness, failure to comply with school rules, and lack of responsibility for school assignments. Group counseling programs are seen as one of the guidance and counseling services that can help students understand and apply discipline optimally. This study uses a quantitative approach with an experimental research design. The research population consists of all students at SD Negeri 1005 Sidomulio, with a sample of 48 students selected using a specific sampling technique. Data collection was conducted using a discipline behavior questionnaire that had been tested for validity and reliability. Data analysis techniques included validity testing, reliability testing, prerequisite analysis testing (homogeneity and linearity testing), simple linear regression analysis, t-testing, and coefficient of determination testing. The results of the study indicate that the group guidance program has a positive and significant effect on student discipline behavior. This is evidenced by the t-test results, which show a significance value lower than the predetermined significance level. In addition, the coefficient of determination results show that the group guidance program contributes significantly to improving student discipline behavior. Thus, the group guidance program can be used as an effective strategy for improving student discipline behavior in elementary schools.