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All Journal Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Humanities and Social Studies International Journal of Economics Development Research (IJEDR) Jurnal Tunas Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) J-SAKTI (Jurnal Sains Komputer dan Informatika) Jurnal Pengabdian Masyarakat Inovasi Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Journal of Artificial Intelligence and Digital Business Sanskara Manajemen dan Bisnis Priviet Social Sciences Journal Jurnal Pengabdian Pada Masyarakat METHABDI West Science Business and Management West Science Journal Economic and Entrepreneurship Jurnal Ekonomi dan Kewirausahaan West Science
Sinaga, Hommy Dorthy Ellyany
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PELATIHAN LITERASI KEUANGAN: PERENCANAAN KEUANGAN UNTUK SISWA SMA DHARMA BAKTI LUBUK PAKAM Afrizal, Afrizal; Herlambang, Albert; Rezeki, Sri; Sinaga, Hommy Dorthy Ellyany; Loo, Petrus; Tiofanny, Claudie
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol 5, No 1 (2025): April 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v5i1.3090

Abstract

Abstract: In today's digital era, financial literacy has become a crucial skill for the younger generation, especially high school students, to manage their finances effectively and responsibly. This enables them to handle their finances wisely and avoid harmful financial risks. This article discusses the implementation of a financial literacy training held at SMA Dharma Bakti Lubuk Pakam on March 8, 2025, attended by 59 selected students, the results obtained, and recommendations for sustainable financial literacy development within the school environment. The training focused on two main topics: financial planning and understanding online loans. The training aimed to enhance students' knowledge and skills in managing personal finances as well as recognizing the risks and mechanisms of online loans, which are prevalent among teenagers. The training methods included interactive lectures and individual case studies. Keywords: Financial Literacy; Online Loans; Financial Planning; Financial Education; Digital Finance. Abstrak: Di era digital saat ini, literasi keuangan telah menjadi keterampilan yang sangat penting bagi generasi muda khususnya siswa Sekolah Menengah Atas (SMA) untuk mengelola keuangan mereka secara efektif dan bertanggung jawab agar mampu mengelola keuangan secara bijak dan terhindar dari risiko finansial yang merugikan. Artikel ini membahas pelaksanaan pelatihan literasi keuangan yang diadakan di SMA Dharma Bakti Lubuk Pakam pada tanggal 08 Maret 2025, yang diikuti oleh 59 siswa terpilih hasil yang diperoleh, serta rekomendasi untuk pengembangan literasi keuangan yang berkelanjutan di lingkungan sekolah. Pelatihan ini menitikberatkan pada dua topik utama, yaitu perencanaan keuangan dan pemahaman pinjaman online. Pelatihan ini bertujuan untuk meningkatkan pengetahuan dan keterampilan siswa dalam mengelola keuangan pribadi serta mengenali risiko dan mekanisme pinjaman online yang marak di kalangan remaja. Metode pelatihan meliputi ceramah interaktif, dan studi kasus individu. Kata Kunci: Literasi Keuangan; Pinjaman Online; Perencanaan Keuangan; Edukasi Keuangan; Keuangan Digital.
Influence of Mobile Marketing on Customer Purchase Intentions in Emerging Market Arifin, Andi Harmoko; Khotimah, Khusnul; Supriyadi, Asep; Fauzi, Rizal Ula Ananta; Sinaga, Hommy Dorthy Ellyany
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 1 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i1.12303

Abstract

This study aims to analyze the influence of mobile marketing on consumer purchase intent in emerging markets through a meta-analysis approach. As mobile technology penetrates and the use of the internet on mobile devices, mobile-based marketing strategies are becoming increasingly important, especially in developing countries. The study synthesizes 10 empirical research results published between 2022 and 2025 that meet inclusion criteria, such as topic relevance, completeness of statistical data, and focus on emerging market contexts. The analysis was conducted using a random effects model, which showed that mobile marketing had a significant positive influence on consumer purchase intent (Hedges' g = 1.029; p 0.001), with a moderate effect size. The moderator's analysis showed that factors such as ad personalization, interactivity, and digital literacy levels were variables that strengthened the relationship. The results of this study provide evidence that contextually designed mobile marketing strategies can increase marketing effectiveness in emerging markets, as well as be an important contribution to the digital marketing literature in the digital economy era.
The Impact of Financial Technology on Consumer Behavior and Banking Service Yatimin, Yatimin; Harahap, Subur; Redjeki, Finny; Suprayitno, Degdo; Sinaga, Hommy Dorthy Ellyany; Nainggolan, Elisabeth; Batjo, Sitti Nurjana
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 1 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i1.11857

Abstract

This study aims to evaluate the impact of financial technology (fintech) on consumer behavior and banking services through a meta-analysis approach. Along with the rapid development of digital technology, fintech has changed the way consumers access, use, and respond to financial services. This study analyzes and synthesizes the results of a number of relevant empirical studies to identify the patterns, trends, and strength of fintech's influence on consumer behavior and adaptation of banking services. The results of the meta-analysis show that fintech significantly influences consumer preferences and loyalty, especially in terms of ease of access, time efficiency, and convenience of use ( r = 0.765 ; t = 8.427) medium effect size category. On the other hand, the banking sector showed a diverse response, ranging from strategic collaboration to internal digital transformation. These findings provide important implications for policymakers, financial industry players, and banking institutions in designing adaptive strategies in the digital era.
The Role of Employee Engagement in Increasing Millennial and Gen Z Employee Retention Wibaselppa, Anggawidia; Santosa, Tomi Apra; Batjo, Siti Nurjana; Fauzi, Rizal Ula Ananta; Nugraha, Aat Ruchiat; Sinaga, Hommy Dorthy Ellyany; Wulandari, Andi Sri Rezky
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.450

Abstract

This study aims to examine the role of employee engagement in increasing employee retention of Millennials and Gen Z in modern organizations. The research background is based on the high challenges in retaining a young workforce that is dynamic and easily switchable. The research method uses a quantitative approach with a survey of 30 respondents of Millennial and Gen Z employees from various industry sectors. Data were analyzed using multiple linear regression to test the influence of the employee engagement dimension—including emotional engagement, cognitive commitment, and social attachment—on employee retention intention. The results showed that all dimensions of employee engagement had a positive and significant influence on employee retention, with emotional engagement as the most dominant factor (β = 0.68; p < 0.01). The practical implications of this study emphasize the importance of developing holistic engagement programs, such as personalization training and interactive internal communication platforms, to increase employee loyalty of Millennials and Gen Z. The theoretical contributions of the research include an in-depth understanding of engagement mechanisms in the demographic context of the younger generation and Human Resources policy recommendations to strengthen retention strategies in the digital age.
Consumer Responses to Sustainable Product Labeling (Eco-label) in Purchasing Decisions Kristian Panjaitan, Feliks Anggia Binsar; Sinaga, Hommy Dorthy Ellyany
West Science Business and Management Vol. 3 No. 03 (2025): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v3i03.2235

Abstract

This study examines consumer responses to sustainable product labels (eco-labels) and their influence on purchasing decisions in Indonesia. Using a quantitative research design, data were collected from 150 respondents through a structured questionnaire with a 1–5 Likert scale. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3) to evaluate both the measurement and structural models. Results indicate that eco-label perception has a significant positive effect on consumer trust and purchasing decisions. Furthermore, consumer trust plays a mediating role, strengthening the relationship between eco-label perception and purchase behavior. Environmental awareness also emerged as a strong determinant of purchasing decisions, showing that consumers who are more environmentally conscious are more responsive to eco-labels. The model demonstrated substantial explanatory power (R² = 0.62) for purchasing decisions, confirming the importance of eco-labels, trust, and awareness in shaping sustainable consumer behavior in Indonesia. These findings provide practical implications for businesses and policymakers in promoting eco-labeled products and fostering sustainable consumption.
Pengaruh Kewirausahaan dan Inovasi Bisnis terhadap Penerimaan Pasar pada Industri Makanan dan Minuman di Indonesia Muhajir, Ali; Sinaga, Hommy Dorthy Ellyany; Utami, Eva Yuniarti; Karo-karo, Alex P.; Triadi, Defri
Sanskara Manajemen Dan Bisnis Vol. 2 No. 02 (2024): Sanskara Manajemen dan Bisnis (SMB)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/smb.v2i02.368

Abstract

Penelitian ini menyelidiki dinamika kewirausahaan dan inovasi bisnis yang rumit dalam konteks industri Makanan dan Minuman (F&B) di Indonesia. Dengan menggunakan pendekatan kuantitatif, data dikumpulkan dari sampel yang terdiri dari 220 partisipan, termasuk wirausahawan, pemilik bisnis, dan konsumen. Studi ini mengeksplorasi hubungan antara kegiatan kewirausahaan, praktik inovasi bisnis, dan faktor penerimaan pasar, dengan menggunakan kerangka kerja pemodelan persamaan struktural (SEM) yang kuat. Temuan-temuannya menunjukkan kecenderungan kewirausahaan dan strategi inovatif yang tinggi di sektor makanan dan minuman di Indonesia. Efek langsung yang signifikan diamati, menekankan peran berpengaruh dari kewirausahaan dan inovasi bisnis terhadap penerimaan pasar. Studi ini lebih lanjut mengungkap peran mediasi praktik inovasi bisnis dalam hubungan antara kegiatan kewirausahaan dan penerimaan pasar. Analisis kecocokan model dan pemeriksaan ketahanan menegaskan keandalan dan validitas model struktural yang diusulkan. Penelitian ini memberikan kontribusi wawasan yang berharga bagi para pemangku kepentingan industri, pembuat kebijakan, dan peneliti yang ingin menavigasi dan meningkatkan lanskap kewirausahaan dan inovasi di industri mamin Indonesia.
Bijak Menyikapi Aplikasi Pinjaman Tanpa Agunan Bagi Ibu-Ibu Darmawanita Pada Dinas Lingkungan Hidup Kabupaten Asahan Irawati, Novica; Siagian, Yessica; Sinaga, Hommy Dorthy Ellyany; Syah, Arridha Zikra
Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Vol. 8 No. 1 (2025): Januari 2025
Publisher : STMIK Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurdimas.v8i1.3653

Abstract

Personal finance skills are one of the important competencies that young people need to have in facing future economic challenges, given the increasingly complex global financial dynamics and the need to be able to manage resources effectively in order to survive and thrive amid economic uncertainty. However, the level of financial literacy among vocational high school (SMK) students is still relatively low, as reflected in the results of the National Survey on Financial Literacy and Inclusion by OJK (2019) which shows that only 38.03% of Indonesians have adequate financial literacy, including among students. Of the 30 samples used by using the method of sharing, discussion, and case studies on each student, many were still found to be unable to manage their finances. This financial training has succeeded in providing a basic understanding of good financial management to students of SMK Negeri 1 Kisaran. Through the material presented, students can apply the knowledge gained in their daily lives, from managing expenses, saving, to planning for the future.Keywords: financial literacy; financial skills; training vocational high school students Abstrak: Keterampilan keuangan pribadi merupakan salah satu kompetensi penting yang perlu dimiliki oleh generasi muda dalam menghadapi tantangan ekonomi di masa depan, mengingat semakin kompleksnya dinamika keuangan global dan kebutuhan untuk dapat mengelola sumberdaya secara efektif agar dapat bertahan dan berkembangan di tengah ketidakpastian ekonomi. Namun, tingkat literasi keuangan di kalangan siswa sekolah menengah kejuruan (SMK) masih tergolong rendah, sebagaimana tercermin dalam hasil Survei Nasional Literasi dan Inklusi Keuangan oleh OJK (2019) yang menunjukkan bahwa hanya 38,03% masyarakat Indonesia yang memiliki literasi keuangan yang memadai, termasuk di kalangan pelajar. Kegiatan ini dilakukan oleh team dosen universitas royal dimana sampelnya sebanyak 30 orang yang merupakan siswa Sekolah Menengah Kejurusan Negeri 1 Kisaran dalam penyampaian materi digunakan dengan menggunakan metode sharing, diskusi, dan studi kasus pada masing-masing siswa.  Pelatihan keuangan memberikan pemahaman dasar tentang pengelolaan keuangan yang baik kepada siswa SMK Negeri 1 Kisaran. Melalui materi yang disampaikan, siswa dapat menerapkan ilmu yang diperoleh dalam kehidupan sehari-hari, mulai dari mengatur pengeluaran, menabung, hingga merencanakan masa depan.Kata Kunci: Keterampilan keuangan; literasi keuangan; pelatihan siswa SMK, pengelolaan keuangan pribadi 
Analysis of the Impact of Technological Change on Marketing Practices Setiawan, Zunan; Sinaga, Hommy Dorthy Ellyany; A., Chevy Herli Sumerli; Judijanto, Loso
West Science Journal Economic and Entrepreneurship Vol. 1 No. 10 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v1i10.268

Abstract

This research investigates the impact of technological change on the marketing practices of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia through a comprehensive quantitative analysis. Surveys were conducted among a diverse sample of 500 MSMEs, spanning various sectors. The findings reveal a landscape of varied technological adoption, with financial constraints and a digital skills gap emerging as predominant challenges. Nevertheless, the study highlights the transformative potential of technology, showcasing improved customer engagement, expanded market reach, and enhanced performance metrics. The synthesis of results informs practical strategies for MSMEs, policy recommendations for stakeholders, and avenues for future research. This research contributes valuable insights into the nuanced relationship between technology and MSMEs, offering a foundation for informed decision-making in the rapidly evolving digital landscape.
Analysis of the Effect of Social Media Usage, Search Engine Optimization, and Content Strategy on Business Growth in the E-Commerce Industry in Indonesia Sinaga, Hommy Dorthy Ellyany; Syamsulbahri, Syamsulbahri; Muhajir, Ali; Darmayanti, Novi
West Science Journal Economic and Entrepreneurship Vol. 2 No. 01 (2024): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v2i01.647

Abstract

This research investigates the influence of digital marketing practices on business growth in the e-commerce industry in Indonesia, focusing on Social Media Usage, Search Engine Optimization (SEO), and Content Strategy. A sample of 150 e-commerce businesses was analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results reveal significant positive relationships between Social Media Usage, SEO, and Content Strategy with Business Growth. Additionally, mediation and moderation effects are explored, suggesting a significant mediating role of customer engagement in the relationship between social media usage and business growth. The findings provide practical implications for businesses and policymakers in enhancing digital marketing strategies for sustainable growth in the dynamic Indonesian e-commerce landscape.
Strategi Diferensiasi Produk Mie Gacoan dalam Meningkatkan Keunggulan Kompetitif Prananingrum, Dwi Kartika; Asniar, Nunut; Ridhayantho, Muhamad; Sinaga, Hommy Dorthy Ellyany
Jurnal Ekonomi dan Kewirausahaan West Science Vol 2 No 03 (2024): Jurnal Ekonomi dan Kewirausahaan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jekws.v2i03.1428

Abstract

Penelitian ini menguji dampak dari strategi diferensiasi produk, khususnya inovasi, kualitas, branding, dan harga, terhadap keunggulan kompetitif Mie Gacoan. Dengan menggunakan desain penelitian kuantitatif, data dikumpulkan dari 200 responden dengan menggunakan kuesioner terstruktur dengan skala Likert mulai dari 1 sampai 5. Data dianalisis dengan menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS 3). Hasil penelitian menunjukkan bahwa keempat dimensi diferensiasi produk - inovasi, kualitas, merek, dan harga - secara positif dan signifikan meningkatkan keunggulan kompetitif Mie Gacoan. Temuan ini menggarisbawahi pentingnya diferensiasi strategis dalam membangun posisi pasar yang kuat dan mencapai keunggulan kompetitif yang berkelanjutan dalam industri mie yang sangat kompetitif. Studi ini memberikan wawasan yang berharga bagi bisnis yang bertujuan untuk meningkatkan posisi pasar mereka melalui strategi diferensiasi yang efektif.
Co-Authors . Syamsulbahri A., Chevy Herli Sumerli Aat Ruchiat Nugraha Abd.Rashid, Muhammad Hafiz Abda Abda Afiani, Ayu Afrizal Afrizal Ali muhajir, Ali Andi Harmoko Arifin andriyani, suci Arridha Zikra Syah Asep Supriyadi Asniar, Nunut Batjo, Siti Nurjana Claudie Tiofanny Dedy Lazuardi Degdo Suprayitno Desma Erica Maryati Manik Dian Setyorini Elisabeth Nainggolan Fauzi, Rizal Ula Ananta Feliks Anggia Binsar Kristian Panjaitan Giang, Phan Bao Harahap, Subur Herlambang, Albert Irawati, Novica Januari, Amanda Putri Judijanto, Loso Kanchawongpaisan, Sipnarong Karo-karo, Alex P. khusnul khotimah Lisa Elianti Nasution Muhamad Ridhayantho, Muhamad Novi Darmayanti Pesta Gultom Petrus Loo Prananingrum, Dwi Kartika Redjeki, Finny Santosa, Tomi Apra Setiawan, Zunan Siagian, Yessica Sitti Nurjana Batjo Sri Rezeki Triadi, Defri Utami, Eva Yuniarti Wangsa, Fendy Waty, Venny Wibaselppa, Anggawidia Widalicin Januarty Wijaya, Michael Kurniawan Wulandari, Andi Sri Rezky Yatimin Yatimin