Partners in this community service is a Tunagrahita group in Karangpatihan Village, Balong Ponorogo. The main problem by partners is weakness in thinking, acting, and socializing with the community so that they are unable to work and unable to make ends meet. This was due to the food crisis in 1967. This condition took place over the years so resulted in the disabled people being unable to work like normal people, resulting in economic disability. To fulfill their daily needs, the Tunagrahita depend their economy on assistance from other parties (social assistance), both from the general public and assistance from the government in order to survive. Seeing these problems, the PKM team tried to provide solutions to help meet the economic needs of Tunagrahita by increasing its potential both in terms of knowledge and skills by farming such as cultivating vegetables using polybag planting media. The products produced are daily needs of the community, namely capsicum, frutescens, brassica rapa, V. unguiculata and S. lycopersicum. The method in this activity is participatory training through training, mentoring and evaluation of the program being implemented. The purpose of this service is to help the Tunagrahita community groups to improve in terms of economy, social and knowledge so that the Tunagrahita can get income to meet their needs without having to continually depend on their economy on the help of other parties. The results of this dedication are that currently 1) the Tunagrahita are starting to be able to cultivate crops., 2) the Tunagrahita are starting to be able to pack and branding of their crops and begin to be able to sell to the nearest market or shop, and 3) Tunagrahita have not been able to make simple bookkeeping of the results of plant cultivation products because of their low Intellectual Quotient (IQ) level because from the start they are not familiar with literacy.
<p><strong>ABSTRACT</strong></p><p><br />As one of the financial instruments, the Bank plays a very important role, because the supervision of banking activities is increasingly being improved. However, with the current monetary crisis in Indonesia and the continuing turmoil of the political situation, it has brought the Indonesian banking industry into a really difficult situation. Considering the condition of this National Bank, the government decided to liquidate private banks with low performance. In the framework of national banking restructuring, the government also proposed to merge some national private banks and state-owned banks. This merger step has a strategic goal, namely to form a larger merged bank, strengthening the capital structure, has a comparative advantage as well as a stronger competitiveness in this globalization. The purpose of this study is to know the effect of merger on the level of profitability at Bank Danamon. The type of research used in this study is descriptive research while for data collection authors use secondary data. The population of this study include 9 Bank Take Over and samples taken as many as two banks, using purposive sampling technique. The analytical model used is, the analysis using the financial ratios of Gross Profit Margin, Net Profit Margin, Return On Investment, and return On eqiuty and Test T. The results show that: (1) Bank Danamon Tbk is a merged bank between Bank Danamon With Bank Take Over (Tiara Asia Bank, Risjad Salim Bank, Duta Bank, Tamara Bank, Bank Nusa Nasional, Rama Bank, Bank Jaya and Bank Pos Nusantara). (2) The implementation of the merger has a positive impact on the level of profitability at Bank Danamon. (3) There is a significant difference between profitability before and after merger, it can be seen from result of t test which show that tcount (4,039) is bigger than ttable (3,182).</p><p><br /><strong>Keywords: Merger, Profitability</strong></p>
Competition requires businesses to show their superiority through various means. This is done so that businesses can survive in a very competitive market. Many industries and factories with large scale dominate the market with their sophistication in using the technology they use in producing their products and on the other hand many micro-scale business people who still survive with their makeshift power and still in traditional ways both in the production process and marketing, so that business products micro scale has not been able to compete with large scale business products. The problem experienced by one of the micro-scale businesses currently in Ponorogo Regency is that it is still very simple in terms of packaging and branding, which is using ordinary pieces of paper (photocopies) and not using online media to market their products, in this case especially for community service partners, namely Peyek Mbak Anna's business in the village Gandu, Mlarak Ponorogo. The purpose of this community service is to help develop micro sector business products in order to be able to compete gradually with existing competitor products so as to increase the income of micro-business.
Baitul Maal Wat Tamwil (BMT) is a form of non-bank sharia financial institutions whose business activities are based on the sharia system and included in (KJKS), namely sharia financial services cooperatives in Indonesia. The development of BMT in Indonesia has increased from year to year, as stated by Joelarso, General Chair of the Indonesian BMT Association Leadership Council, "until the end of 2015 there were 4,500 BMTs established in Indonesia. Seeing that the majority of people in Indonesia are Muslim, the presence of BMTs is important for the community. One of the BMTs that provide or help the economy of the community is the BMT Beringharjo Ponorogo branch that provides various services to its consumers. This study aims to examine the effect of religiosity and trust in customer decisions using the Islamic branch of BMT Beringharjo Ponorogo financial services. The population in the study was the customers of the Ponorogo branch of BMT Beringharjo with a sample of 80 respondents. Sampling uses probability sampling with simple random sampling technique, data analysis using multiple linear regression. The results showed that simultaneous Religiosity and Trust had a positive effect on Decision Making of customers at BMT Beringharjo Ponorogo. And partially (X1) Religiosity has a positive and significant effect on Decision Making. Customers use Islamic financial services at the Ponorogo branch of BMT Beringharjo, (X2) Trust has a positive and significant effect on Decision Making customers use Islamic financial services at BMT Beringharjo Ponorogo branch.
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