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Fery Tobing
Universitas Kristen Indonesia
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Peningkatan Literasi terhadap Lembaga Jasa Keuangan Bank pada Masyarakat Kelurahan Cawang Jakarta Timur Riwandari Juniasti Purnama; Edison Siregar; Lis Sintha Oppusunggu; Fery Tobing
JURNAL Comunità Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 2 No. 2 (2020): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v2i2.1938

Abstract

Banyak masyarakat telah mengenal lembaga perbankan namun belum semua mampu mengakses bank dan memanfaatkan produk dan jasa perbankan serta paham akan risiko yang dihadapi. Melalui kegiatan Pengabdian kepada Masyarakat di Kelurahan Cawang Jakarta Timur dilakukan edukasi keuangan untuk meningkatkan literasi keuangan masyarakat di Kelurahan Cawang Jakarta Timur terhadap lembaga jasa keuangan bank, produk jasa lembaga jasa keuangan, cara mengakses lembaga keuangan khususnya perbankan, tentang manfaat serta risiko menggunakan produk lembaga jasa keuangan, termasuk memberikan pengetahuan bagaimana mengajukan kredit ke bank, pengetahuan tentang peran Otoritas Jasa Keuangan (OJK) dan Lembaga Penjamin Simpanan (LPS). Metode yang dilakukan adalah melakukan edukasi keuangan dan untuk melihat dampak atas materi yang disampaikan, dilakukan evaluasi berupa pre-test dan post test pada peserta yang hadir di kelurahan tersebut. Hasil PkM menunjukkan bahwa literasi peserta PkM di Kelurahan Cawang Jakarta Timur sudah cukup baik, karena telah mengenal OJK. LPS dan bank serta telah bertransaksi di bank. Setelah dilakukan edukasi keuangan 61,30% peserta mengalami peningkatan literasi. Peningkatan literasi juga ditentukan oleh jenjang pendidikan, usia dan gender. Peserta PkM dapat dikatakan telah memiliki pengetahuan dan keyakinan tentang lembaga jasa keuangan serta produk dan jasa keuangan, termasuk fitur, manfaat dan risiko, hak dan kewajiban terkait produk dan jasa keuangan. Kata kunci: edukasi keuangan; literasi keuangan; perbankan
Analysis of the Financial Performance of BPR National Sharia Before and During the Covid-19 Pandemic Riwandari Juniasti; Edison Siregar; Fery Tobing
Eduvest - Journal of Universal Studies Vol. 2 No. 8 (2022): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2455.268 KB) | DOI: 10.59188/eduvest.v2i8.550

Abstract

The COVID-19 pandemic and the implementation of Large-Scale Social Restrictions that occurred in Indonesia resulted in an economic slowdown. Then the problem that is present in the banking sector is the difficulty of debtors in fulfilling their credit obligations. The purpose of this study is to analyze the differences in the performance of the National Sharia BPR before the covid 19 pandemic and during the covid 19 pandemic for the period June 2018 - September 2021. In this study, performance was measured by the asset return ratio (ROA), capital adequacy ratio (CAR), ratio of non-performing loans (NPF), operating expenses to operating income (BOPO), and the ratio of loans to deposits (FDR). The research is included in quantitative research with a comparative type. The data used is secondary data in the form of the financial statements of the National Sharia BPR obtained from www.ojk.co.id. Data analysis in this study used paired sample t-test analysis with the help of the SPSS version 25 program. The results showed that only CAR and NPF had significant differences before and during the COVID-19 pandemic. While ROA, BOPO, and FDR had no significant differences. before and during the covid 19 pandemic.
EDUKASI PENERAPAN DIGITALISASI EKONOMI DALAM UPAYA MENINGKATKAN PRODUKTIVITAS UMKM DI WILAYAH KELURAHAN CAWANGJAKARTA TIMUR PADA MASA SETELAH PANDEMI COVID-19 Riwandari Juniasti Purnama; Fery Tobing; Edison Siregar; Julita
JURNAL Comunità Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 5 No. 2 (2023): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v5i2.5128

Abstract

This Community Service aims to provide understanding to MSMEs in the Cawang area regarding the application of economic digitalization to increase the productivity of MSMEs in the region, in particular providing an understanding of QRIS (Quick Response Code Indonesian Standard). It is hoped that these MSMEs will accept payments from their customers through QRIS so that they do not rely on cash payments only. The approach taken is to provide education about the benefits of using QRIS and how to activate it. Regarding payment transactions that are often made, 70% stated that they received payments in cash, meaning that more than half of the participants had not received QRIS. Regarding QRIS, 55% of participants stated that they had heard of it, but 54% stated that they were unfamiliar with it or not at all familiar with it. 72% want to expand payment methods so that they don't only accept cash but also non-cash. 77% said they were interested in knowing more about QRIS, and 72% said they were interested in trying QRIS. After education, participants who are interested in receiving payments with QRIS are directed to activate. Keywords: education, QRIS, UMKM, digitalization.
Co-Authors Edison Siregar Julita Lis Sintha Oppusunggu Riwandari Juniasti