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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Jurnal Humanitas: Katalisator Perubahan dan Inovator Pendidikan Tansiq: Jurnal Manajemen dan Bisnis Islam Query : Jurnal Sistem Informasi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Journal of Management and Business Innovations Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi (JIMMBA) Jurnal Ekonomi Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Bina Bangsa Ekonomika COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Akuntansi, Manajemen dan Bisnis Digital Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Akuntansi dan Keuangan Islamiconomic: Jurnal Ekonomi Islam Jurnal Sistem Informasi Dan E-Bisnis Jurnal Pendidikan dan Ilmu Sosial Jurnal Ekonomi dan Bisnis EKONOMIKA SYARIAH : Journal of Economic Studies Jurnal Visi Manajemen (JVM) Profit: Jurnal Manajemen, Bisnis dan Akuntansi Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Kajian, dan Terapan Teori Jurnal Ekonomika Manajemen Dan Bisnis Commodity : Jurnal Perbankan dan Keuangan Islam Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis (JUPSIM) Innovative: Journal Of Social Science Research Jurnal Kendali Akuntansi Trending: Jurnal Manajemen dan Ekonomi Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Penelitian Pendidikan Indonesia Journal of Education Transportation and Business Jurnal Manajemen, Bisnis dan Kewirausahaan Jurnal Pengabdian Masyarakat Indonesia Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management
Nurbaiti Nurbaiti
Universitas Islam Negeri Sumatera Utara
Religion Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Transportation Other

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Peningkatan Literasi Keuangan Melalui Adopsi Qris sebagai Solusi Pembayaran Digital di Desa Kineppen Kabupaten Karo Muhd. Aidil Fitri; Sri Adel Febri Aldina; Adrian Niken Lubis; Benni Icshanda Rahman; Nurbaiti Nurbaiti
JURNAL PENGABDIAN MASYARAKAT INDONESIA Vol. 5 No. 1 (2026): Februari: Jurnal Pengabdian Masyarakat Indonesia (JPMI)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jpmi.v5i1.6599

Abstract

Current technological advances have had a significant impact on various aspects of life, especially in the economic sector. Through this Community Service Program (KKN), the aim is to improve understanding and literacy of digital finance in Kineppen Village, Munte District, Karo Regency, by adopting the use of QRIS or Quick Response Code Indonesian Standard. The current situation in the village shows a severe lack of understanding and literacy in digital finance, driven by a payment system that still relies on cash and the disparity in technology use in the village. In this community service program, students carried out several stages, namely preparation, outreach, program planning, implementation, monitoring, and evaluation. The results of the work program show that MSME actors have fully understood and adopted QRIS in their lives, especially in the payment system, and that the community is interested in making non-cash payments using QRIS rather than cash payments. This activity shows that digital transformation in a small village can bring about change and enable MSMEs to become one of the creative economies that can prosper in the current digital era.
Preferensi Generasi Z Dalam Metode Pembayaran Digital Pada E-Business: Upaya Meminimalkan Hambatan Transaksi Online Feny Feny; Fadilah Syafitri Rangkuti; Nur Jihan Rokan; Nikita Lailan Hasibuan; Nurbaiti Nurbaiti
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 4 No. 3 (2026): Edisi Januari - April
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v4i3.504

Abstract

Penelitian ini bertujuan untuk menganalisis preferensi, pengalaman, persepsi keamanan, serta harapan Generasi Z terhadap penggunaan metode pembayaran digital dalam transaksi e-business. Penelitian menggunakan pendekatan kualitatif melalui wawancara mendalam terhadap 40 responden berusia 18–28 tahun yang aktif melakukan transaksi online. Hasil penelitian menunjukkan bahwa sebanyak 28 responden (70%) masih memilih metode Cash on Delivery (COD) karena dianggap lebih aman dan memberikan kontrol langsung terhadap transaksi, sementara 12 responden (30%) menggunakan metode pembayaran digital seperti e-wallet dan mobile banking karena kepraktisan dan efisiensi. Kepercayaan terhadap keamanan dan keandalan sistem menjadi faktor utama yang memengaruhi pilihan metode pembayaran. Hambatan teknis berupa gangguan aplikasi dan keterbatasan jaringan internet masih menjadi kendala utama dalam penggunaan pembayaran digital. Selain itu, faktor ekonomis seperti promo dan cashback terbukti mampu mendorong peningkatan minat Generasi Z terhadap pembayaran digital. Penelitian ini merekomendasikan peningkatan stabilitas sistem, integrasi QRIS yang lebih seamless, pengurangan biaya administrasi, serta penerapan fitur one-click payment guna meminimalkan hambatan transaksi online. Temuan penelitian ini memberikan kontribusi empiris dalam memahami perilaku pembayaran Generasi Z serta menjadi rujukan bagi pengembangan ekosistem pembayaran digital yang lebih aman, praktis, dan terpercaya di Indonesia.
The Influence of E-Commerce, Digital Payments, and Digital Literacy on MSME Income in The Perspective of Islamic Economics Alwi Rifa'i; Nurbaiti Nurbaiti; Muhammad Lathief Ilhamy Nasution
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.984

Abstract

The rapid advancement of digital technologies has transformed business landscapes, offering micro, small, and medium enterprises (MSMEs) unprecedented opportunities to enhance competitiveness and income. In Muslim-majority contexts, such as Medan Johor, this transformation must align with Islamic economic principles to ensure both economic and ethical value creation. This study employs a quantitative survey of 98 MSME actors, measuring the effects of e-commerce, digital payment, and digital literacy on income. Using multiple linear regression, the results demonstrate that all three variables exert a positive and significant impact, with digital literacy emerging as the most influential driver of effective technology adoption. These findings resonate with Islamic economic principles of maslahah (public benefit), efficiency, and the prohibition of gharar (excessive uncertainty), which emphasize transparency, utility, and blessings in economic transactions. The study extends existing literature by embedding Islamic economic perspectives within the MSME digitalization discourse and by capturing the socio-religious nuances of a localized setting. Policy implications include fostering Shariah-compliant digital literacy programs, strengthening regulatory frameworks, and enhancing the role of Islamic financial institutions in delivering technology-based, Shariah-compliant financing solutions to empower MSMEs sustainably.
Analysis of the Role of ERP Systems in Business Process Integrity Indah Aryani; Rifki Akmal Tanjung; Niken Rahmadyah; Nurbaiti Nurbaiti
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 1 No. 2 (2021): DESEMBER
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v1i2.325

Abstract

As an Integrated system, ERP is a corporate information system designed to open all the resources, information and activities needed for complete business processes, namely ERP is software that integrates all processes within a company, can unify various components both physically and virtual , such as marketing, finance, production, and human resources. The integration process in business is considered very important for a company, its use through computer-based ERP systems can manage business and improve business performance better. System integration can reduce the trigger for lost or stolen data, using this ERP system can make an integrated process and avoid misuse and companies can unify and observe the pace of their business.
Survival Strategy and the Role of Technology in Measures of E-Business Progress in E-Commerce Applications Wahyu Andriansyah Naibaho; Niki Aulia; Nurbaiti Nurbaiti
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 1 No. 2 (2021): DESEMBER
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v1i2.327

Abstract

This study aims to find out how the strategy is to survive for the sake of the progress of the Ebusiness business with the progress of the virtual world at this time, the Internet has experienced an up (growth), decline (decline) and growth again. Not many companies that are involved in E-Business are able to adapt to the life cycle experienced by the internet. The benefits of e-business are not only from speeding up and practicing the company's internal processes, but also from its ability to spread profits to other members of the supply chain. Organizations can also add positive value to consumers through products and services in many ways that e-business can. Moreover, in a rapidly changing environment, the implementation of e-business can allow organizations to create competitive advantages to win the competition. Electronic Commerce (e-commerce) is the process of buying, selling or exchanging products, services and information via computer networks. ecommerce is part of the e-business, where the scope of e-business more broadly, not just commercial but also include business partners, customer service, job vacancies.
Service Quality Analysis of PT. Pos Indonesia (Persero) Sibolga City Branch 22500 Selvira Wardani Tanjung; Nurbaiti Nurbaiti
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 2 (2022): Desember
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i2.811

Abstract

The public service system engaged in self-service, for example, is PT. Pos Indonesia (Persero). However, the service system provided by PT. The Persero in the field conditions are still found to be lacking, so that many consumers complain about the services provided. This condition is caused by the many competitors engaged in shipping services that offer guaranteed package delivery, wider coverage, accuracy and speed to arrive at the destination city and others. The purpose of this study was to determine the quality of service in the delivery of Persero packages at the Sibolga City branch of 22500. The results of this study are that there is an increase in the delivery target each year starting from 2018-2021. The conclusion is the service system provided by PT. Pos Indonesia, the Sibolga City branch, has provided quite good service to consumers. Then in terms of the facilities and infrastructure in the place, it is also good. These facilities and infrastructure are included in the physical evidence indicators. Furthermore, in terms of responsiveness indicators explained that employees always provide various kinds of information at PT. Pos Indonesia Sibolga City branch to consumers. So that the average consumer who came to the place gave a positive response to the services of PT. Pos Indonesia, Sibolga City branch..
Use of Facebook Social Media as Product Marketing Media Muhammad Anshari Hutasuhut; Siti Hazrah; Vania Sally Nabila; Nurbaiti Nurbaiti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 1 (2022): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i1.345

Abstract

Everyone needs information to support their activities, so try to access information as quickly as possible. To introduce products or services that will be sold, companies or small and medium-sized businesses need promotions, and the pattern in the field of business through Facebook or through a web-based shop is very encouraging. The creator utilizes an enlightening subjective examination approach where the information gathered is predominantly as words and sentences, or pictures that have more significance than numbers or frequencies. Execution of the utilization of Facebook web- based media incorporates building data methodologies, planning advancements and building networks by using gatherings and fanspages.
Comparative Analysis of E-Business Implementation in Service Companies (Case Study of PT. Gojek and PT. Grab Indonesia) Amanda Damayanti Nasution; Helva Diansyah Putri; Nurbaiti Nurbaiti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 1 (2022): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i1.346

Abstract

The implementation of an E-Business strategy increases the advantages of a business. The online motorcycle taxi service is also an application of e-business to a business where initially motorcycle taxis were only available at certain posts, but now the motorcycle taxi service can be used only by ordering via a smartphone. This study aims to determine how the comparison of companies that offer services as their products in implementing E-Business. This type of research method is qualitative by using descriptive methods and taking secondary data. The results of this study show that the concept used by online motorcycle taxis Go-Jek and Grab is the same, because these two companies offer the same services and have the same target, but the only difference is the number of services they offer and the customer satisfaction they provide. give, based on research results that Grab enthusiasts are more used than Go-Jek even though the services offered by Go-Jek are more. This online motorcycle taxi is here to make it easier for people to use motorcycle taxi services anytime and anywhere.
Comparative Analysis of Marketing Strategies for Online Shopping Applications on Shopee and Lazada (Case Study of Febi Uinsu Students) Aris Kukuh Prasetyo; Siti Nur Khalizah Siregar; Nurbaiti Nurbaiti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 1 (2022): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i1.373

Abstract

Development in the growing world of business have mande infulencing the world esier. This can be observed in buying goods as desired in a transaction using E-Commerce, regradless of the infulence in the marketing strategy of two E-Commerce. Where in the marketing strategy can be observed in terms of prices, products, promos and service offered. This research method uses qualitative methods based on literature results through sources from previous research results by discussing data based on theory 15 informants. This study aims to determine the E-Commerce application that is in great demand by the respondents in terms of its marketing strategy. The results of this study indicate that the most widely used E-Commerce based on its marketing strategy is shopee. this can be seen in terms of the price offered, the promotions provided, the products sold according to the prcie, and the service provided.
Influence of Pos Giro Mobile (PGM) in Running the Service Process of PT. Pos Indonesia (Case Study at Padangsidimpuan Post Office) Ayu Widyastuti Rafisa; Halimah Safitry Al-Fauziah; Nurbaiti Nurbaiti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 1 (2022): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i1.381

Abstract

Along with the rapid development of technology, business people are required to be able to use the internet as a medium for doing business online in order to increase service effectiveness so that customers can access services easily anywhere and anytime. This study aims to analyze how the role of Pos Giro Mobile (PGM) in carrying out the service process of PT. Indonesian post. The research method used is descriptive by examining what are the benefits and how to introduce PGM to the community as well as what obstacles are passed. The results showed that PT. Pos Indonesia has introduced the Pos Giro Mobile (PGM) product to the public. However, people who lack knowledge of technology become one of the obstacles so that PT. Pos Indonesia decided to socialize directly as well as teach how to use the application.
Co-Authors Adrian Niken Lubis Ahmad Rezeki Ainun Mardhiah Aisiyah Rahma Alfarizki Jaelani Alinolas Cubaim Harahap Alvia Rahma Alwi Rifa'i Alya Abdul Rahmadhani Amanda Damayanti Nasution Amelia Putri Anastasya Br Ginting Andri Soemitra Angga Dwi Prasetyo Anggia Nurulita Annisa Rahmawita Aqila Fadila Haya Malau Arbarija Hafiz Lbs Ardhia Prameswari Aris Kukuh Prasetyo Arnida Wahyuni Lubis Askur Hamid Nst Asmuni Asmuni Ayu Widyastuti Rafisa Benni Icshanda Rahman Cici Winda Atila Atila Cut Nurul A’la Deby Nofriansyah Denny Permana Siregar Desri Amanda Firdayani Nasution Diah Adhairani Dinda Namira Hsb Dinda Novika Rahmahdhani Dindy Rizka Octavia Eka Fadhila Elda Anzeli Hasibuan Elda Anzeli Hasibuan Elsa Zulfita Elya Rosa Maharani Sembiring Erlangga Hakim Manurung Fadilah Syafitri Rangkuti Fahmi Rizky Fahri Luthfi Hanafiah Fanny Himla Rizqya Pasaribu Feny Feny Fithrah Dwi Ananda Ghilman Rozy Hrp Halimah Safitry Al-Fauziah Harahap, Muhammad Ikhsan Helva Diansyah Putri Ilka Zulfria Imamsyah Imamsyah Imsar Imsar Indah Aryani Indah Wulan Sari Batubara Indriani Suci Jannah, Nurul Juli Syahputri Laila Dwi Ningrum Laylan Syafina Luthfiah Nur Bayani M Aldrian Oktofa M Ihsan Harahap M Raihan M. Ikhsan Harahap M. Risqi Ananda Marliyah Maulana Abdul Malik Tambunan Mega Hasibuan Mhd Rafli Mila Sastika Minta Ito Lubis Mirza Mahendra Siregar Mohd Haiqal Alif Ramadhani Muhammad Anshari Hutasuhut Muhammad Hasby Muhammad Iqbal Nasution Muhammad Lathief Ilhamy Nasution Muhammad Syahbudi Muhd. Aidil Fitri Muslimatul Husnah Mustapa  Khamal  Rokan Mutiara Rahmah Nabila Tasya Nurhafifah Manurung Nadhrah Al Aflah Nadya Dwinna Putri Nasution, Muhammad Irwan Padli Nia Andriani Niken Rahmadyah Niki Aulia Nikita Lailan Hasibuan Nisa Sri Rahayu Hsb Nova Andani Nur Ahmadi Bi Rahmani Nur Jihan Rokan Nuraini Nuraini Nurhapirah Tasnim Nurul Sandra Maharani Puja Kesuma Putri Andini Al-Khoiri Putri Zahra Rahmat Daim Harahap Rahmi Syahriza Razali Razali Refi Mariska Rendi Rizky Trianda Ria Septiana Riau Riski Harahap Rifki Akmal Tanjung Rika Nurmitha Rio Ariangga Riska Amelia Lubis Riska Veronika Riskha Setianingsih Selvira Wardani Tanjung Sinta Sukma Ayu Siti Aisyah Siti Ardianti Siti Fatimah Siti Hansyah Dewi Zai Siti Hazrah Siti Jubaidah Siti Nur Khalizah Siregar Siti Nurhalizah Lubis Sri Adel Febri Aldina Sri Gusti Rezeki Sri Wahyuni Suci Fitria Lb Sugeng Arifandi Banurea Supardi Supardi Surya Darma Tambunan, Khairina Tiara Hasanah Putri Saragih Tri Inda Fadhila Rahma Umi Nur Habibah Utami R.A Padang Vania Sally Nabila wahyu andriansyah Naibaho Wandi Riyaldi Ahmad Telaumbanua Widya Syaputri Yudi Bimantaka Yulia Anggraini Zerimah Afgani Hasibuan