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All Journal Berajah Journal Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis
Hawila Manik
Universitas Negeri Medan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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PENGARUH PENGGUNAAN LIVIN' BY MANDIRI TERHADAP KEMUDAHAN LAYANAN KEUANGAN PADA MAHASISWA MANAJEMEN UNIVERSITAS NEGERI MEDAN ANGKATAN 2025 Clara Citra Sinaga; Hawila Manik; Trizthan Irfan Hermawan; Kholillah Azahra Barus; Lasmini Manik; Namira Shafalda Prabudi; Nurul Wardani Lubis
Berajah Journal Vol. 6 No. 4 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i4.664

Abstract

The digital banking revolution has brought about fundamental changes in the way people access financial services, including amongst university students, a demographic group with a high rate of technology adoption. This study aims to analyse the impact of using the Livin’ by Mandiri app on the perceived ease of access to financial services among students on the Management Programme at the State University of Medan, intake year 2025. The study employs a quantitative approach using a survey design, involving 120 respondents selected through purposive sampling. Data collection was carried out using a five-point Likert scale questionnaire that had been tested for validity and reliability. The independent variables in this study included ease of use of the interface, system reliability, completeness of service features, and transaction security, whilst the dependent variable was the ease of financial services, measured based on user perceptions. Data analysis was performed using multiple linear regression with the aid of SPSS version 26 software. The results indicate that, taken together, all independent variables have a significant effect on the ease of financial services (F = 47.83; p < 0.01). When analysed individually, ease of use of the interface makes the largest contribution (β = 0.421; p < 0.01), followed by service feature completeness (β = 0.318; p < 0.01), transaction security (β = 0.276; p < 0.05), and system reliability (β = 0.201; p < 0.05). The coefficient of determination (R²) of 0.743 indicates that 74.3% of the variation in the ease of financial services can be explained by these four variables. The findings of this study have important implications for the development of digital banking services tailored to the needs of the student segment.
Kontribusi Inovasi Bisnis dalam Meningkatkan Repeat Order: Studi Kasus Nelzz Juice MMTC Kota Medan Kennedi Turnip; Anabel Yocelyn Ariella Sianturi; Hawila Manik; Jhensi Echa Flora Hutasoit; Dionisius Sihombing; Fadli Agus Triansyah
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 1 (2026): Januari : Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i1.2298

Abstract

This study aims to analyze the contribution of business innovation in increasing repeat orders in micro, small, and medium enterprises (MSMEs), with a case study on Nelzz Juice operating in MMTC, Medan City. The research employs a qualitative case study approach, combining in-depth interviews with the owner and staff, direct observation of business operations, and documentation analysis related to business strategies and sales data. The findings indicate that the innovations implemented by Nelzz Juice cover several aspects, namely product innovation, service innovation, and digital marketing strategy innovation. Product innovation is carried out through the selection of fresh and high-quality ingredients, the development of creative menu variations tailored to consumer preferences, and appealing product presentation. Service innovation is reflected in the improvement of service quality, faster order processing, and enhanced friendliness and interaction with customers. Meanwhile, digital marketing innovation has proven effective in expanding consumer reach, increasing engagement, and promoting customer loyalty. The study confirms that the consistent and sustainable application of innovation not only enhances customer satisfaction but also directly contributes to an increase in repeat order frequency. Therefore, business innovation can be considered a key strategy for MSMEs to face market competition, maintain business sustainability, and support sustainable economic growth.
Co-Authors Anabel Yocelyn Ariella Sianturi Clara Citra Sinaga Dionisius Sihombing Fadli Agus Triansyah Jhensi Echa Flora Hutasoit Kennedi Turnip Kholillah Azahra Barus Lasmini Manik Namira Shafalda Prabudi Nurul Wardani Lubis Trizthan Irfan Hermawan