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Pengaruh Perilaku Konsumen terhadap Keputusan Pembelian dalam Transaksi di E – Commerce Shoppe Sinaga, Renni A.E; Situmeang, Debi J.; Simangunsong, Irmawati; Sinaga, Leony A.M; Simanjuntak, Nopriani; Silaban, Rayun A.R; Tampubolon, Lilianti; Purba, Rama R.; Panjaitan, Juni A.T; Simarmata, Felix C.; Waruwu, Niska S.; Saragih, Veny S.; Manalu, Rita P.; Saragih, Yeni Enjelina; Silalahi, Jhosua; Situmorang, Ririn S.W; Panjaitan, Raya
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i1.25733

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan pembelian konsumen di platform e-commerce Shopee. Berdasarkan hasil analisis data, ditemukan bahwa beberapa faktor utama berperan dalam keputusan pembelian, yaitu ulasan dan rating produk, diskon dan promo, variasi produk, kualitas produk yang sesuai dengan deskripsi, serta kepercayaan terhadap penjual. Temuan ini menunjukkan bahwa konsumen cenderung memilih produk dengan ulasan dan rating yang baik, tertarik dengan promosi dan diskon, serta lebih percaya pada penjual yang memiliki reputasi baik. Dengan memahami faktor-faktor ini, pelaku bisnis e-commerce dapat mengoptimalkan strategi pemasaran mereka guna meningkatkan penjualan dan kepuasan pelanggan. Studi ini juga memberikan wawasan bagi penelitian selanjutnya terkait perilaku konsumen dalam ekosistem e-commerce yang terus berkembang.
PENGARUH LITERASI KEUANGAN DAN PENGGUNAAN PAYMENT GATEWAY TERHADAP KINERJA KEUANGAN UMKM KULINER DI KECAMATAN MEDAN BARU Pasaribu, Fatrycia Aurelia; Boangmanalu, Ria Salonika; K. Simamora, Marsauliana; Panjaitan, Raya
Jurnal Media Informatika Vol. 6 No. 2 (2025): Jurnal Media Informatika
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jumin.v6i2.5294

Abstract

Tujuan dari penelitian ini adalah untuk menguji pengaruh literasi keuangan dan penerapan payment gateway terhadap kinerja keuangan UMKM kuliner yang berlokasi di Kecamatan Medan Baru. Dengan menggunakan pendekatan kuantitatif dengan metodologi penelitian asosiatif kausal, penelitian ini melibatkan 45 UMKM kuliner yang telah mengadopsi payment gateway sebagai sampel. Data dikumpulkan melalui kuesioner dan dianalisis melalui regresi linier berganda. Temuan penelitian menunjukkan bahwa literasi keuangan berdampak positif dan signifikan terhadap kinerja keuangan UMKM, terutama berkontribusi pada kemampuan mereka untuk membuat keputusan keuangan yang lebih terencana. Selain itu, dampak payment gateway memegang peranan penting dalam meningkatkan efisiensi transaksi dan memperluas akses pasar. Kedua faktor ini secara bersama-sama dapat menjelaskan variasi kinerja keuangan UMKM di lokasi penelitian, dengan koefisien determinasi sebesar 72,2%. Penelitian ini menekankan pentingnya literasi keuangan dan teknologi keuangan dalam memperkuat daya saing UMKM di era digital.
Analisis kinerja keuangan sebelum dan pada saat pandemi covid-19 pada perusahaan di bursa efek indonesia Sidabutar, Herlina Yusrianti; Silaban, Pasaman; Panjaitan, Raya
Journal Business and Management Vol. 1 No. 2 (2023): Journal Business and Management (Oktober 2023)
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas HKBP Nommensen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51622/jbm.v1i2.1919

Abstract

Pandemi Covid-19 telah menyebabkan banyak perusahaan jasa pada sub-sektor pariwisata ditutup sementara. Hal tersebut berdampak pada kinerja keuangan perusahaan yang bergerak di sub-sektor ini. Penelitian ini bertujuan untuk mengetahui adanya perbedaan kinerja keuangan perusahaan pada sub-sektor jasa pariwisata sebelum dan pada saat pandemi Covid-19. Kinerja keuangan diukur dengan menggunakan beberapa rasio, yaitu rasio likuiditas, rasio solvabilitas, rasio profitabilitas dan rasio pasar. Jenis penelitian yang dilakukan adalah penelitian kuantitaitf deskriptif. Populasi dalam penelitian ini adalah 25 seluruh perusahaan sub-sektor pariwisata yang terdaftar di Bursa Efek Indonesia periode 2019-2020. Sampel dikumpulkan 20 perusahaan dengan menggunakan metode purposive sampling. Pengujian hipotesis dilakukan dengan menggunakan paired sample t-test. Hasil empiris menunjukkan bahwa, pada rasio likuiditas, rasio profitabilitas, dan rasio solvabilitas tidak terdapat perbedaan yang signifikan di antara periode sebelum dan periode pada saat terjadinya kasus Covid-19 pertama kali diumumkan di Indonesia. Sedangkan, pada rasio pasar, terdapat perbedaan yang signifikan di antara kedua periode tersebut.
THE INFLUENCE OF INCOME, EXPENDITURE, AND SAVINGS TN THE EFFECTIVENESS OF FINANCIAL PLANNING IN THE DIGITAL ERA: A SURVEY OF THE SANDWICH GENERATION AMONG PRIVATE SECTOR EMPLOYEES IN MEDAN SUNDAY ADE SITORUS; Manurung, Nancy Cecilia; Panjaitan, Raya; Sitorus, Sunday Ade
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 13 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v13i1.712

Abstract

The sandwich generation refers to working-age individuals who simultaneously bear financial responsibilities for both their aging parents and their children. This phenomenon is increasingly prevalent in Indonesia, particularly among private sector employees, due to rising costs of living, education, and healthcare. Low levels of financial literacy further exacerbate the challenges, making effective financial planning increasingly urgent. This study aims to analyze the influence of income, expenses, and savings on financial planning effectiveness among the sandwich generation in Medan City. A quantitative approach was applied through the distribution of questionnaires to respondents aged 23–50 who qualified as part of this demographic. The results indicate that income and savings have a positive and significant effect on financial planning effectiveness, whereas expenses show no significant influence. These findings emphasize the importance of income management and saving habits in achieving household financial resilience. The study recommends strengthening financial literacy and leveraging digital financial technologies as strategies to enhance long-term economic stability for the sandwich generation.
ANALISIS KOMPONEN RBBR TERHADAP HARGA SAHAM PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI TAHUN 2013 – 2017 Panjaitan, Raya; Silalahi, Andri D. K.
Jurnal Manajemen dan Bisnis Vol 20 No. 1 Tahun 2020
Publisher : UNIKA Santo Thomas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54367/jmb.v20i1.689

Abstract

This study aims to analyze the effects of Risk Based Bank Rating components on company stock prices. The Risk Based Bank Rating (RBBR) components consist by LDR, GCG, ROA and CAR. Secondary data was uses in this study with numbers of samples 196 consisting by 42 companies and 3 years financial report. Multiple linear regression was used to analyze the data. The result shows that LDR and GCG have negatively and significantly affected to stock prices. ROA has positively and significantly affected price stock. CAR has positively but insignificantly affected the price stock. Simultaneously, LDR, GCG, ROA and CAR have positively and significantly affected price stock. For further research using other variables related to analyzing the price stock are suggested to use.
WILLINGNESS TO PAY: A PROXY TO PRODUCT PRICE Nababan, Tongam Sihol; Panjaitan, Raya; Panjaitan, Ferry; Munthe, Kornel
Jurnal Manajemen dan Bisnis Vol 21 No. 1 Tahun 2021
Publisher : UNIKA Santo Thomas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54367/jmb.v21i1.1192

Abstract

Information about willingness to pay (WTP) essentially aims to protect consumers from the abuse of monopoly power owned by companies in the supply of quality products and prices. The consumer's WTP of a product can be an appropriate basis in determining the pricing policy for a product because he can reveal the true value or price of the product based on consumer perception. The price proxy with the WTP can still meet the assumption of the traditional demand model (Marshallian demand model) where the price is not set (regulated) by the government. WTP can be obtained by using a contingent valuation method.
CAPITAL ASSET PRICING MODEL DAN PERILAKU KEUANGAN: STRATEGI DALAM BERINVESTASI Panjaitan, Raya
Jurnal Manajemen dan Bisnis Volume 23 No. 2 Tahun 2023
Publisher : UNIKA Santo Thomas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Studi ini bertujuan untuk menyajikan bukti-bukti terkait perkembangan mengenai Capital Asset Pricing Model dan perilaku keuangan untuk mengatur strategi dalam berinvestasi. Penelitian ini merupakan jenis studi literatur. Analisis yang digunakan adalah penelitian deskriptif dengan dukungan teori dan temuan dari penelitian sebelumnya. Capital Asset Pricing Model dan perilaku keuangan terbukti berpengaruh terhadap keputusan investasi. Hasil penelitian ini memberikan beberapa wawasan baru tentang keputusan investasi dalam pasar modal dari hasil penelitian dan teori sebelumnya. Mengevaluasi faktor risiko sistematis dan perilaku keuangan dalam investasi dapat menghasilkan return yang diharapkan. Masih sedikit penelitian yang mengeksplorasi peran Capital Asset Pricing Model, overconfidence dan herding behaviour untuk menyusun keputusan investasi bagi investor dalam konteks pasar yang berkembang. Oleh sebab itu, investor perlu mempertimbangkan hal ini dalam berinvestasi di pasar modal.
BOOSTING BRAND AWARENESS: LEVERAGING CONTENT MARKETING AND SOCIAL MEDIA FOR GREATER VISIBILITY AND ENGAGEMENT IN PROPERTY BUSINESS Panjaitan, Raya; Purba, Cindy Braveta
Jurnal Manajemen dan Bisnis Vol 20 No. 2 Tahun 2020
Publisher : UNIKA Santo Thomas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54367/jmb.v20i2.3514

Abstract

This study examines the effects of content marketing and social media on brand awareness for PT. Peta Property Indonesia in Medan, employing a quantitative approach with descriptive statistics. It analyzes how these digital strategies enhance the company's visibility and consumer engagement. The research finds that content marketing and social media significantly increase brand awareness, attributed to the unique, engaging, and informative nature of the company's content. This includes well-presented property information, which is easily accessible and understandable to consumers. By strategically showcasing a range of properties, including new developments and secondary market listings, the content effectively informs consumers about available options. Additionally, incorporating interactive elements like quizzes and games into the content boosts engagement and fosters a two-way communication channel. The study concludes that effective content marketing and social media use are crucial for enhancing brand visibility and establishing a stronger connection with the target audience for PT. Peta Property Indonesia.
ASSESSING THE IMPACT OF MOBILE HEALTH SERVICE QUALITY BY THE SOCIAL SECURITY ADMINISTERING BODY ON THE SATISFACTION OF NATIONAL HEALTH INSURANCE PARTICIPANTS Panjaitan, Raya; Hutajulu, Maulina
Jurnal Manajemen dan Bisnis Vol 21 No. 1 Tahun 2021
Publisher : UNIKA Santo Thomas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54367/jmb.v21i1.3515

Abstract

In a digital era marked by burgeoning e-health initiatives, this study explores the pervasive influence of E-service Quality—encompassing Reliability, Efficiency, Fulfillment, Privacy, Responsiveness, and Contact—on the satisfaction of participants in the National Health Insurance (JKN) program. The objective is to quantitatively assess these dimensions' impacts on user satisfaction among Mobile JKN users in Pematangsiantar. Employing a questionnaire as the research instrument, this study scrutinizes the responses of 100 participants using multiple linear regression analysis via SPSS 25. The findings reveal that while Efficiency exerts a significant positive effect on participant satisfaction, Reliability, Fulfillment, and Responsiveness, although positive, are not statistically significant. In contrast, Privacy and Contact do not significantly influence satisfaction. The study underscores the necessity for BPJS Kesehatan to refine the Mobile JKN application's user interface and optimize the mobile app's utility for a seamless user experience, including secure data practices and biometric login features for phone number changes, aligning with national demographic databases. These insights contribute to the strategic enhancement of health insurance services, driving user satisfaction and security in Indonesia's healthcare system.
EXPLORING THE IMPACT OF EXPERIENTIAL MARKETING, WORD-OF-MOUTH (WOM), AND PROMOTIONAL STRATEGIES ON USER LOYALTY TOWARDS THE TOKOPEDIA APP Panjaitan, Raya; Manurung , Hiskia
Jurnal Manajemen dan Bisnis Vol 21 No. 2 Tahun 2021
Publisher : UNIKA Santo Thomas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54367/jmb.v21i2.3530

Abstract

Drawing upon the dynamic interplay of experiential marketing, word of mouth, and promotional strategies within the realm of e-commerce, this study pivots on their collective influence on customer loyalty, particularly among Tokopedia app users at the Immigration Office in Medan. The phenomenon of increased online shopping among Indonesian public sector employees provides the backdrop against which this research unfolds, aiming to discern the potency of these marketing strategies in fostering loyalty. The research objectives include evaluating the impact of experiential marketing, understanding the role of electronic word of mouth, and assessing the efficacy of promotions in cultivating a loyal customer base. Findings indicate that experiential marketing significantly enhances customer loyalty, electronic word of mouth is a positive and significant loyalty driver, and promotional activities, while positive, show a less pronounced impact on loyalty. Contributions of this research are twofold: it extends academic perspectives on e-commerce loyalty in the context of Indonesian public sector employees and offers pragmatic insights for e-commerce platforms to refine their marketing strategies. By fortifying the customer experience and addressing service quality, Tokopedia can potentially amplify customer satisfaction and consolidate its user base's loyalty.
Co-Authors Adanan Silaban Agnes Mastaulina Ambarita Agnes Santana Manik Andri Dayarana K. Silalahi Angelia, Nia Asni Yanti Zalukhu Asni Yanti Zalukhu Boangmanalu, Ria Salonika Chris Damai Yanti Roberkati Pinem Cindy M. Sihombing Cindy M. Sihombing Cindy Sihombing DAMANIK, HANNA MEILANI Damanik, Jhon Cristmas Dela Mariana Nopela Br. Raja Gukguk Dela Mariana Nopela Br. Raja Gukguk Desrina Simamora Desrina Simamora Desvanni Habayahan Edgar Octoyuda Eflin Kartika Sinaga Eflin Kartika Sinaga Elinsya Sitompul Elinsya Sitompul Elsi Natalia Saragih Enjelika Natasia Nainggolan Enjelika Natasia Nainggolan Enzel Hikma Sari Saragih Enzel Hikma Sari Saragih Ernest Grace GEE, HARIANI Gretty R. Lingga Hutajulu, Maulina Inten Dania Butar Butar Inten Irahayu Barimbing Irma Rentauli Sitorus Irma Rentauli Sitorus Irvan Putra Dani Daeli J.E. Angelika Br. Nababan Jois Nursaida Batubara Josua Parlinggoman Pangaribuan Julyanthry Julyanthry Julyanthry, Julyanthry Jusuf Sugiarto K. Simamora, Marsauliana Lingga, Gretty R. Manalu, Rita P. Manurung , Hiskia Manurung, Nancy Cecilia Marbun, Roma Narumata Marrety Katrin Hutabarat Marselina Simarangkir Maulina Hutajulu Meijin Saragih Mutiara Asnatika Tarigan Nancy Nopeline Napitupulu, Sungguli Nelly Ervina Nopeline, Nancy Novia Sianipar Pakpahan, Rani Uli Palti Agustinus Silaban Panjaitan, Elyana Margareta Panjaitan, Ferry Panjaitan, Juni A.T Pantas H Silaban Pasaman Silaban Pasaribu, Fatrycia Aurelia Paulina Martua Sijabat Pinem, Neni Anita Purba, Cindy Braveta Purba, Martin Luter Purba, Rama R. Putri Alesia Nadeak Putri Alesia Nadeak Reynaldi Hutabarat Rindu P. Siburian Rindu P. Siburian Riny Riny Saragih, Veny S. Saragih, Yeni Enjelina Siahaan, Jeremy Sibagariang, Carisa Yulia Sidabutar, Herlina Yusrianti Sihombing, Eriko Sihotang, Ronael Jon Feriando Silaban, Pantas Hasiholan Silaban, Rayun A.R Silalahi, Andri D. K. Silalahi, Andri Dayarana K. Silalahi, Jhosua Simangunsong, Irmawati Simanjuntak, Nopriani Simanjuntak, Sri Ida Royani Simarmata, Felix C. Simbolon, Ika Pratiwi Sinaga, Leony A.M Sinaga, Renni A.E Sinta Marito Manurung Sitorus, Eben Ezer Sitorus, Friska Rohayu Situmeang, Debi J. Situmorang, Ririn S.W Sri Ida Royani Simanjuntak Sunday Ade Sitorus Tampubolon, Lilianti Tiarma Sihombing Tiarma Sihombing Tongam Sihol Nababan Tri Melda Mei Liana Waruwu, Niska S.