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All Journal JRAM (Jurnal Riset Akuntansi Multiparadigma) East Asian Journal of Multidisciplinary Research (EAJMR) Innovative: Journal Of Social Science Research TOFEDU: The Future of Education Journal Jurnal Akuntansi, Keuangan dan Perpajakan
Rangkuti, Lusi Elviani
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : TOFEDU: The Future of Education Journal

 1 
The Analysis of QRIS Usage in Micro, Small, and Medium Enterprises (MSMEs) in Medan City to Encourage Digital Economy Development Rangkuti, Lusi Elviani; Hidayatullah, Wahyu; Izzati, Nadhila; Lesmana, Yovie Apryadi
The Future of Education Journal Vol 3 No 5 (2024): December
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v3i5.214

Abstract

The aim of this research is to analyze the use of QRIS in MSMEs in Medan City so that they can encourage and advance MSMEs, so that they can encourage digital development. This research was conducted using descriptive qualitative, namely data that is not expressed in numerical form. Rather, the data is expressed in the form of words and sentences.  With the existence of QRIS for MSMEs, digital payments can increase transaction efficiency and reduce operational costs for MSMEs. MSMEs in Medan City often lose money, which can threaten the sustainability of their business. The implementation of QRIS in Medan City has reached approximately 58.6% of users. Of the large number of users, there are still some business activities, especially MSMEs, that have not utilized the use of QRIS which can help accelerate the use and development of the digital economy. It can be concluded that the use of QRIS for MSMEs in Medan City can be an effective strategy in encouraging digital economic growth at the local level.
The Effect of Investment Knowledge on Investment Decisions Mediated by Investment Interest (A Comparative Study of UISU and UMN Students) Hasibuan, Anisah Zuhra; Mas’ut, Mas’ut; Rangkuti, Lusi Elviani
The Future of Education Journal Vol 4 No 7 (2025)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v4i7.773

Abstract

This study aims to analyze the effect of investment knowledge on investment decisions, moderated by investment interest, among students at Universitas Islam Sumatera Utara (UISU) and Universitas Muslim Nusantara (UMN). The research examines whether investment knowledge directly influences investment decisions and how investment interest strengthens this relationship. Using statistical analysis, the t-value of 4.045 with a significance level of 0.021 was obtained, indicating that investment knowledge significantly affects investment decisions when moderated by investment interest. The findings reveal that investment knowledge positively influences investment interest, and investment interest plays a key role in strengthening the effect of knowledge on investment decisions. Specifically, UISU and UMN students with good investment knowledge tend to be more active in making investment decisions, especially when they also have a high interest in investing. Despite differences in the social and educational backgrounds of students at both universities, the roles of investment knowledge and interest as driving factors for investment decisions remain significant. This research offers practical implications for educational institutions and financial organizations to enhance financial literacy through programs that not only deliver information about investments but also motivate students to become more engaged in the world of investing. These findings emphasize the importance of combining knowledge and interest as the foundation for rational and active investment decision-making.
Co-Authors Amalia, Cindy Chairunisah, Liza Febrian, Danu Bintang Hasibuan, Anisah Zuhra Hidayatullah, Wahyu Izzati, Nadhila Lesmana, Yovie Apryadi Lubis, Farida Khairani Mas’ut, Mas’ut Ningsih, Heny Triastuti Kurnia Rahmi, Desfika Sasmita, Riva Nazwa Suboh, Amerruddin Shah