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All Journal Jurnal Hasil Pengabdian Masyarakat (JURIBMAS) JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen
Ramadhan Harahap
Universitas Pembangunan Pancabudi, Medan
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Social Sciences

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ANALISA KINERJA KEUANGAN UNTUK KEPUTUSAN PEMBERIAN KREDIT PADA BANK MANDIRI KCP BELAWAN Hans Sebastian Sejahtera Siahaan; Ramadhan Harahap
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 4 (2024): Oktober : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i4.952

Abstract

This research aims to determine the influence of Financial Performance Analysis on Credit Granting Decisions at Bank Mandiri KCP Belawan. This research uses a qualitative descriptive research method. Data collection techniques through observation, interviews and documentation. The results of this research are that the factors that can make a credit application accepted by the bank are (1) the debtor already has an official business license and NPWP, (2) the debtor must have 50% capital before applying for credit and the business is managed directly by the debtor himself. , (3) The debtor must be cooperative and open when asked about his efforts to arrange credit, (4) The debtor has never had a history of arrears in payments. (5) The debtor has never been involved in legal problems, (6) The value of the collateral provided by the debtor must be in accordance with the market price when applying for credit, (7) The established business has been running for approximately 1 year, (8) The business location is convenient accessible to local residents. If a business has no debt (current debt = 0), neither the current ratio nor the quick ratio can be calculated in the usual way and is considered undefined or infinite, then this shows that the business has a very strong liquidity condition because there are no liabilities. short term needs to be met.
ANALISA KINERJA KEUANGAN UNTUK KEPUTUSAN PEMBERIAN KREDIT PADA BANK MANDIRI KCP BELAWAN Hans Sebastian Sejahtera Siahaan; Ramadhan Harahap
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 4 (2024): Oktober : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i4.952

Abstract

This research aims to determine the influence of Financial Performance Analysis on Credit Granting Decisions at Bank Mandiri KCP Belawan. This research uses a qualitative descriptive research method. Data collection techniques through observation, interviews and documentation. The results of this research are that the factors that can make a credit application accepted by the bank are (1) the debtor already has an official business license and NPWP, (2) the debtor must have 50% capital before applying for credit and the business is managed directly by the debtor himself. , (3) The debtor must be cooperative and open when asked about his efforts to arrange credit, (4) The debtor has never had a history of arrears in payments. (5) The debtor has never been involved in legal problems, (6) The value of the collateral provided by the debtor must be in accordance with the market price when applying for credit, (7) The established business has been running for approximately 1 year, (8) The business location is convenient accessible to local residents. If a business has no debt (current debt = 0), neither the current ratio nor the quick ratio can be calculated in the usual way and is considered undefined or infinite, then this shows that the business has a very strong liquidity condition because there are no liabilities. short term needs to be met.
Penguatan Peran Gen-Z sebagai Kreator Konten Digital untuk Promosi Produk UMKM di Media Sosial Eka Pandu Cynthia; Ramadhan Harahap; Muhammad Amin; Maulidania Mediawati Chinthia; Muhammad Hasanuddin
JURIBMAS : Jurnal Hasil Pengabdian Masyarakat Vol 4 No 2 (2025): Oktober 2025
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juribmas.v4i2.658

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk memperkuat peran generasi Z sebagai kreator konten digital dalam upaya meningkatkan promosi dan daya saing produk Usaha Mikro, Kecil, dan Menengah (UMKM) di media sosial. Generasi Z memiliki potensi besar dalam mengoptimalkan platform digital karena kedekatannya dengan teknologi dan kemampuan adaptif terhadap tren komunikasi modern. Pelatihan dilakukan melalui pendekatan praktik langsung dan pendampingan intensif, meliputi pembuatan konten foto, video, copywriting promosi, serta strategi manajemen media sosial yang efektif. Hasil kegiatan menunjukkan peningkatan kemampuan peserta dalam menghasilkan konten yang menarik, relevan, dan berdampak pada peningkatan interaksi akun promosi UMKM. Selain itu, kegiatan ini turut memperluas jangkauan pemasaran digital UMKM melalui kolaborasi antara pelaku usaha dan kreator muda. Dampak nyata terlihat dari peningkatan engagement dan awareness terhadap produk lokal. Program ini menjadi langkah strategis dalam membangun ekosistem ekonomi kreatif berbasis digital yang berkelanjutan serta memperkuat sinergi antara generasi muda dan sektor UMKM.
Co-Authors Amin, Muhammad Eka Pandu Cynthia Hans Sebastian Sejahtera Siahaan Maulidania Mediawati Chinthia Muhammad Hasanuddin