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Unlocking the Potential of Financial Inclusion, E-Commerce, and FinTech to Boost SME Performance Khairani, Rafida; Tantono, Eric Aditya; Anderson, Rich; Munthe, Herlin; Purba, Purnama Yanti
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3786

Abstract

Micro, small, and medium enterprises in Tanjung Morawa, a semi-urban area in Deli Serdang Regency, North Sumatra, face challenges such as limited access to capital, low digital adoption, and declining sales, yet they play a vital role in the local economy. This study aims to examine the influence of financial inclusion, electronic commerce, and financial technology on the performance of these enterprises. A quantitative approach was employed, using multiple linear regression to analyze data collected from 393 respondents through questionnaires. The findings reveal that financial inclusion significantly enhances capital management, electronic commerce expands market reach, and financial technology improves transactional efficiency, collectively explaining 70.1 percent of the variation in enterprise performance. Financial technology demonstrates the strongest impact, followed by financial inclusion, while electronic commerce shows a moderate effect, reflecting local challenges like limited digital literacy. The study concludes that integrating these factors can substantially boost the competitiveness and sustainability of micro, small, and medium enterprises in semi-urban settings. These results highlight the need for targeted strategies to enhance financial access and digital adoption, fostering economic resilience in regions like Tanjung Morawa.
ANTECEDENTS OF INTEREST IN PURCHASING ELECTRIC MOTORCYCLES IN MEDAN Christopher, Christopher; Purba, Purnama Yanti; Harianja, Lulu Nitama; Damanik, Elfina Okto Posmaida; Simorangkir, Enda Noviyanti
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 14 No. 1S (2026): (International Conference ICEBEMA Dr. Soetomo University and ICEBesMA Prima I
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v14i1S.816

Abstract

This study aims to analyze the influence of technological innovation, environmental awareness, and price on the purchase intention of electric motorcycles in Medan City. The research employs a quantitative approach with a causal research design. The population consists of residents of Medan City who use electric motorcycles, and the sample was determined using random sampling, resulting in one hundred respondents. Data were collected through observation and questionnaires. The data analysis includes validity testing, reliability testing, classical assumption tests, multiple linear regression analysis, partial tests (t-tests), and simultaneous tests (F-tests) using IBM SPSS Statistics version 23. The results show that partially technological innovation has a positive and significant effect on purchase intention for electric motorcycles, environmental awareness also positively influences consumers’ intention to buy, and price is identified as a significant and positive factor that affects consumers’ purchasing decisions. Simultaneously, these three variables strongly influence the increase in purchase intention for electric motorcycles in Medan City. These findings indicate that technological innovation, environmental awareness, and price are essential components in developing strategies to expand the electric vehicle market in Indonesia.
Consumer Behavior in Coffee Angkringan: Analyzing the Roles of Price, Location, and Service Quality in Medan City Sinaga, Nego R.; Purba, Purnama Yanti; Sibarani, Ronaldo; Nainggolan, May Dian; Rajagukguk, Chika Hosianna
Jurnal Mirai Management Vol 11, No 1 (2026)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i1.11635

Abstract

Perkembangan teknologi dan perubahan gaya hidup generasi milenial serta Generasi Z mendorong meningkatnya budaya konsumsi kopi, sehingga usaha kopi angkringan memiliki potensi pasar yang besar sebagai ruang konsumsi sekaligus interaksi sosial. Namun, tidak semua usaha mampu menarik minat konsumen, sehingga penelitian ini bertujuan menganalisis pengaruh harga, lokasi, dan kualitas pelayanan terhadap keputusan pembelian kopi angkringan di Kota Medan. Penelitian ini menggunakan pendekatan kuantitatif dan analisis regresi linear berganda. Teknik sampling yang digunakan adalah accidental sampling dengan 134 responden. Hasil penelitian menunjukkan bahwa secara simultan harga, lokasi, dan kualitas pelayanan berpengaruh positif dan signifikan terhadap keputusan pembelian. Secara parsial harga berpengaruh positif dan signifikan terhadap keputusan pembelian, lokasi berpengaruh positif dan signifikan terhadap keputusan pembelian, dan kualitas pelayanan berpengaruh positif dan signifikan terhadap keputusan pembelian kopi angkringan di kota Medan. Kata Kunci: Harga; Lokasi; Kualitas Pelayanan; Keputusan Pembelian
Enhancing Employee Performance through Motivation, Work Environment, and Training: Evidence from PT Medcomm Solution Gulo, Natanael; Purba, Purnama Yanti; Adelia, Adelia; Manik, Marieni; Simarmata, Hengki Mangiring Parulian
Economics and Digital Business Review Vol. 7 No. 1 (2026)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3743

Abstract

The goal of this study is to look into how work motivation, the work environment, and training affect how well employees do their jobs at PT Medcomm Solution. In service organizations, human resources are regarded as a strategic element affecting performance, with other internal organizational factors contributing. This study utilized a quantitative methodology with a causal associative research design. The sample encompassed all 60 employees, employing a census sampling methodology. The data were analyzed using multiple linear regression. The findings suggest that job motivation and training positively and significantly influence employee performance, however the work environment does not. These three independent factors have a substantial effect on employee performance at the same time, as shown by the F-value of 20.085 and the significance level of 0.000 (<0.05). The coefficient of determination value of 51.8% shows that the variables of work motivation, work environment, and training can explain differences in employee performance. The other 48.2% is due to factors not included in this research model, such as rewards, pay, work discipline, organizational culture, job satisfaction, work stress, and individual employee characteristics.