Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF) Indonesian Journal of Innovation Science and Knowledge
Gilberth Putra Nainggolan
Universitas Negeri Medan
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
PENGARUH LITERASI KEUANGAN DAN PENGGUNAAN DOMPET DIGITAL TERHADAP PERILAKU MANAJEMEN KEUANGAN PRIBADI MAHASIWA FAKULTAS EKONOMI UNIVERSITAS NEGERI MEDAN Mawarni Manalu; Yohana Lumbantungkup; Rivani Preselia Br Siringo Ringo; Gilberth Putra Nainggolan
Indonesian Journal of Economy, Business, Entrepreneuship and Finance Vol. 6 No. 1 (2026): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v6i1.303

Abstract

This study aims to explore the impact of financial literacy and digital wallet utilization on how students manage their personal finances at the Faculty of Economics, State University of Medan. This study was conducted using quantitative methods, with questionnaires distributed to 45 respondents, and data analysis was performed using multiple linear regression using SPSS software. The findings of this study indicate that financial literacy contributes positively and significantly to students' attitudes towards personal financial management, while digital wallet utilization does not appear to have a significant effect. However, when both variables are analyzed simultaneously, they both have a significant impact, contributing 38.2%. This indicates that financial literacy is a crucial element influencing how students manage their finances, while digital wallet utilization serves as a tool whose effects are highly dependent on how it is used.
PERENCANAAN BISNIS PISCOK LUMER: INOVASI PRODUK OLAHAN PISANG COKLAT SEBAGAI PELUANG USAHA KREATIF Yusrina; Rizka Fauziah; Evifanie Simbolon; Gilberth Putra Nainggolan; Christin Natasya Br. Surbakti; Deni Adriani
Indonesian Journal of Innovation Science and Knowledge Vol. 3 No. 4 (2026): IJISK 2026
Publisher : Fakultas Pendidikan Ilmu Keguruan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijisk.v3i4.777

Abstract

Micro, small, and medium enterprises (MSMEs) in the culinary sector continue to grow along with the increasing public interest in creative snacks based on local ingredients. One product with considerable market potential is piscok lumer, a modification of banana chocolate roll filled with melted chocolate. This study aims to develop a business plan for piscok lumer as a form of product innovation from banana-chocolate processing and to identify its business opportunities for students as young entrepreneurs. The method used is descriptive qualitative with a case study approach, through observation of the production process, informal interviews with similar business actors, document analysis of limited-scale cost and sales data, and an online questionnaire (Google Form) distributed to students of the Economics Education Study Program, Universitas Negeri Medan, to measure consumer interest and satisfaction. The data were analyzed using SWOT analysis and arranged into a Business Model Canvas (BMC) framework to map nine key business elements, complemented by a simple feasibility calculation. The results show that piscok lumer has advantages in the availability of raw materials and low production costs, but faces weaknesses in product shelf life and packaging standardization. Business opportunities are wide open through digital marketing and partnerships within the campus environment, while the main threats come from competition with similar products and fluctuations in raw material prices. The questionnaire results show that piscok lumer attracts considerable interest among students. Cost calculations indicate that the business is feasible to run with a promising gross profit margin for a home-scale enterprise. This study is expected to serve as an initial reference for students and beginner MSME actors in designing a more structured business plan for banana-chocolate products.
Co-Authors Christin Natasya Br. Surbakti Deni Adriani Evifanie Simbolon Mawarni Manalu Rivani Preselia Br Siringo Ringo Rizka Fauziah Yohana Lumbantungkup Yusrina