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All Journal Komunikasi Fisika Indonesia IMAGE Journal of Health Education Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Scientific Journal of Reflection : Economic, Accounting, Management and Business JURNAL PENDIDIKAN TAMBUSAI JURNAL MANAJEMEN AKUNTANSI (JUMSI) JURNAL MITRA PRIMA International Journal of Education, Social Studies, And Management (IJESSM) Jurnal Penkomi : Kajian Pendidikan dan Ekonomi INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Bina Bangsa Ekonomika Mazahib: Jurnal Pemikiran Hukum Islam Journal of Comprehensive Science Metodika:Journal of Educational Administration e-Jurnal Inovasi Pembelajaran Sekolah Dasar Journal of Artificial Intelligence and Digital Business Journal of Social Commerce Innovative: Journal Of Social Science Research Jurnal Informasi Keagamaan, Manajemen dan Strategi Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Physics Learning and Education AKSIOMA : Jurnal Sains Ekonomi dan Edukasi PENG: Jurnal Ekonomi dan Manajemen Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research e-Jurnal Inovasi Pembelajaran Sekolah Dasar
Fitri Hayati
Ibnu Sina Institute for Fundamental Science Studies, Universiti Teknologi Malaysia, 81310 UTM Skudai, Johor
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PERAN MOTIVASI DALAM MENINGKATKAN PRODUKTIVITAS UMKM DI ERA EKONOMI DIGITAL Anriani Ritonga, Mei; Ruslita Batubara, Aisyah Norma; Lubis, M. Syahrozi; Hayati, Fitri
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.775

Abstract

This study aims to examine the role of motivation, both intrinsic and extrinsic motivation in increasing the productivity of Micro, Small and Medium Enterprises (UMKM) in the digital era. This study also focuses on identifying the types of motivation that have the most influence on the success of UMKM digital transformation. The method used in this study is descriptive with a qualitative approach based on secondary data taken from various relevant journals. The results of this study indicate that intrinsic motivation, such as the desire to develop, learn and innovate, and extrinsic motivation, such as government support, financial incentives and awards, significantly increase UMKM productivity.
ANALISIS STRATEGI PENGEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) LAUNDRY DALAM MENGHADAPI PERSAINGAN Matua Siregar, Haposan; Rohima, Rohima; Azura Fahani, Tania; Zaenab , Zaenab; Hayati, Fitri
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.800

Abstract

This study aims to analyze the development strategy of laundry Micro, Small and Medium Enterprises (MSME) in facing increasingly fierce competition. Laundry MSME, as one of the business sectors with great potential, often face serious challenges, such as limited capital, low use of technology, and inconsistent service quality. This research uses a qualitative approach with a case study method on several laundry MSMEs in urban areas, which are analyzed using the Swot theoretical framework and Porter's Five Forces model. The results showed that MSME laundry has strengths in competitive pricing, proximity to customers, and strategic location. However, the main weakness found is the lack of technology utilization and innovation in services, which hinders the competitiveness of the business. Opportunities, such as increasing awareness of sustainability-based services and digitalization, provide room for business development. Threats from competition with laundry franchises and changing customer preferences that increasingly lead to fast and efficient services, pose serious challenges for MSMEs. Based on the analysis, suggested development strategies include utilizing digital technology for management and marketing, improving service quality, innovation in service types, and product diversification to attract new customers.
PERAN LEMBAGA KEUANGAN MIKRO SYARIAH (LKMS) DALAM MENDUKUNG EKONOMI KERAKYATAN DAN PENGENTASAN KEMISKINAN UMAT Ayunda, Antin; Ramadhani, Indri Gayatri; Fahlevy, Reza; Hayati, Fitri
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.818

Abstract

Many countries, including Indonesia, still face important problems, namely poverty. As of March 2024, based on data from the Central Statistics Agency (BPS), 25.22 million people from the total population of Indonesia live below the poverty line. This study aims to explore the strategic role of Islamic Microfinance Institutions (LKMS) in two aspects, namely supporting the development of the people's economy and poverty alleviation. Islamic Microfinance Institutions (LKMS) play an important role in supporting the people's economy and poverty alleviation in Indonesia. LKMS also helps the community through the management of social funds such as zakat, ifaq, sadaqah and waqf (ZISWAF), which support productive businesses in poor communities and improve their welfare. Overall, LKMS has succeeded in increasing financial inclusion by reaching previously marginalized populations and helping to combat poverty through fair and sharia-based financing. However, to reduce the impact of sharia financial products, the problem of financial literacy and public understanding of it must be resolved
PRINSIP ETIKA BISNIS DALAM MENGELOLA PRIVASI DAN KEAMANAN DATA PENGGUNANPADA SHOPEE Febriayu, Lelita; Sari, Sri Indah Ayu Permata; Pujiastuti, Wulandari; Hayati, Fitri
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 8 No 1 (2025): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v8i1.3043

Abstract

Privacy and security of user data is a crucial issue in the digital era, especially for e-commerce platforms such as Shopee. This journal aims to discuss ethical principles business that Shopee implements in managing user data, the challenges it faces in maintaining customer trust, as well as the strategies used to protect it personal information. With a qualitative approach, this research identifies steps strategic steps taken by Shopee to protect user data and ensure transparency. This research also provides recommendations for other companies in adopt similar ethical practices, thereby increasing trust and loyalty user. Research by Asviara et al. (2024) shows that the implementation of business ethics in managing user data has become a critical factor that determines success e-commerce platform in the digital era. In the context of Shopee, integration between standards international security with local practices has created a data protection system comprehensive. This not only increases user confidence but also providing a competitive advantage for the platform in the e-commerce competition getting tighter.
Analisis Keberhasilan Program Lembaga Keuangan Mikro dalam Mendukung UMKM di Medan Amelia, Dinda; Saqina Nasution, Putri Amalia; Putri, Sella Permana; Junior Barus, Tony; Hayati, Fitri
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 2 (2025): Juli: Development Economics and Regular Economics
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/8kfy2897

Abstract

This study aims to analyze the effectiveness of Microfinance Institution (MFI) programs in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Medan City. A qualitative approach is used to deeply explore the contribution of MFIs in providing inclusive financial access, such as low-interest loans, term savings, and business management training. The results show that MFIs have a strategic role in overcoming capital constraints and increasing MSME productivity. However, challenges such as limited operational capital, credit risk, and complex policies are significant barriers. This study recommends strengthening access to capital through collaboration with formal financial institutions and simplifying regulations to improve the effectiveness of MFI services. The findings contribute to strengthening the role of MFIs as strategic partners in empowering MSMEs to support sustainable regional economic growth. 
Penerapan Etika Bisnis Islam di Kalangan Mahasiswa FEBI UINSU dalam Transaksi Jual Beli Online Anisah, Azizah; Fadhila, Eka; Pasaribu, Indriani; Sigalingging, Sinarta; Hayati, Fitri
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 2 (2025): Juli: Development Economics and Regular Economics
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/dk77tj20

Abstract

The application of Islamic business ethics in online buying and selling transactions among students Febi of the State Islamic University of North Sumatra (UINSU) is an important concern, especially considering the potential conflict between the principles of Islamic business ethics and the practices carried out. This research uses a qualitative approach with a case study method. Data were obtained through in- depth interviews and document analysis. The results showed that the majority of students understand the basic principles of Islamic business ethics, such as honesty, fairness, transparency, and responsibility. However, the implementation of these principles has not been fully consistent, especially in the aspects of pricing, disclosing product information, and handling consumer complaints. The main factors influencing the level of implementation of Islamic business ethics are the level of religious knowledge, economic motivation, and the influence of the social environment. Recommendations are given to improve Islamic business ethics education through formal curriculum and extracurricular programs. This research aims to contribute to understanding the application of Islamic values in online buying and selling activities, while encouraging the creation of transactions that are in accordance with sharia principles and provide benefits for all parties.
Peran Koperasi Dalam Mendorong Pengembangan UMKM Di Masyarakat Kota Medan Dwika, Galuh Citra Sukma; Nurafni, Anggi; Barus, Vivi Aprinilova; Zhafira, Tengku Aiena; Hayati, Fitri
Jurnal Manajemen Akuntansi (JUMSI) Vol 5, No 1: 2025
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v5i1.6910

Abstract

This study examines the important role of cooperatives in promoting the growth of Micro, Small and Medium Enterprises (MSMEs) in Medan City. Cooperatives serve as a collaborative platform for their members, which in turn improves access to capital, training and marketing. In particular, savings and loan cooperatives are expected to make a significant contribution to the development of MSMEs, while adhering to existing sharia principles. the research method used is descriptive qualitative. the results of this study show that cooperatives have the ability to increase people's income and quality of life through better financial services and training programs for MSME actors. Thus, it can be concluded that cooperatives have a strategic role in empowering MSMEs, but must still pay attention to service quality to meet consumer expectations.
Strategi Pengembangan Lembaga Keuangan Mikro UMKM dalam Peningkatan Daya Saing di Era Digital Kota Medan Santi Bancin, Eliyas; Rianti, Irna; Tusa’diah Siregar, Nurhalimah; Nanda, Muhammad Rhenz; Hayati, Fitri
Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Vol. 2 No. 1b (2025): NOVEMBER 2024 - JANUARI 2025 (TAMBAHAN)
Publisher : UNIVERSITAS SERAMBI MEKKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/mister.v2i1b.2967

Abstract

This research aims to identify development strategies for MSME Microfinance Institutions (LKM) in Medan City to increase competitiveness in the digital era. The research method used is descriptive qualitative. The research results show that microfinance institutions need to carry out several strategies, such as: digital transformation towards a digital ecosystem, development of digital financial products and services, increasing digital literacy of MSMEs, collaboration with various related parties, and adaptation to applicable regulations. By implementing these strategies, it is hoped that microfinance institutions can play a more effective role in supporting the growth and development of MSMEs in the digital era.
ANALISIS DIMENSI KUALITAS PELAYANAN PADA USAHA LAUNDRY UNTUK MENINGKATKAN KEPUASAN PELANGGAN: STUDI KASUS SAHABAT LAUNDRY COIN MEDAN Febriana, Vinni; Juliana, Juliana; Rahmatillah, Riska; Akbar, Fatawil; Hayati, Fitri
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.849

Abstract

Service quality is one of the key factors in determining customer satisfaction, especially in service businesses such as laundry. This study aims to analyze the quality of services provided by Sahabat Laundry Coin and its impact on customer satisfaction. The research approach used is qualitative with data collection methods in the form of interviews, observations, and documentation. The analysis was carried out using five dimensions of service quality triggered by Parasuraman, namely reliability, responsiveness, assurance, empathy, and tangibles. The results of the study show that Sahabat Laundry Coin is able to provide good service by highlighting performance in completing work on time, quick response to complaints, and quality assurance through responsibility for mistakes that occur. Empathy and attention to the specific needs of customers are also a plus, supported by adequate physical facilities and professional employee performance. This research provides insight for laundry business actors in developing strategies to improve service quality to face increasingly fierce competition.
PERAN KOPERASI DALAM MENDUKUNG PENGEMBANGAN DAN PENGUATAN UMKM: STUDI KASUS DI KOPERASI NEW MITRA KARYA MEDAN Umayya Gea, Wardatul; Nikira, Nikira; Khairulnisa, Khairulnisa; Hayati, Fitri
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.850

Abstract

Cooperatives have a strategic role in supporting the development and strengthening of Micro, Small, and Medium Enterprises (MSMEs), especially in the aspects of capital, training, and market access. This study aims to analyze the role of the New Mitra Karya Medan Cooperative in supporting the strengthening of MSMEs through a qualitative approach with a case study method. The results show that cooperatives play a significant role in providing access to low-interest capital, facilitating entrepreneurship training, and expanding market access through local cooperation. However, challenges such as limited cooperative capital, low member participation, and lack of innovation in digitalization still need to be overcome. The role of cooperatives can be carried out through increasing funding, organizing training based on the needs of MSMEs, and applying digital technology in marketing. This research has implications that cooperatives can be strategic partners in empowering MSMEs to increase competitiveness and contribute to sustainable local economic growth.
Co-Authors Adela, Adela Adelia, Intan Aditya S, Rafly Affendi, Hazrul Agustin, Putri Dini Aisy, Rihla Datul Aisyah Aisyah Akbar, Fatawil Al-Fatih, Muhammad Aldine, Thia Thania Alfurqan, Alfurqan Amelia, Dinda Amira, Bunga Ananda Sar, O.K. Putri Ananda, Nabila Tri Anazra, Davania Andira, Naufal Anggina, Ita Ayu Anisah, Azizah Anriani Ritonga, Mei Apriwandi . Aritonang, Surya Ardika Atika Atika Aulia, Dinda Auliya Lubis, Niswa Ayunda, Antin Ayuni, Erliza Azhara, Vina Naomi Azura Fahani, Tania Barus, Vivi Aprinilova Binti Ahmad, Putri Afiqah Boangmanalu, Rahmat Syahputra Butarbutar, Kheny Kernila Chairane, Chairane Damanik, Dian Farindah Damanik, Era Rahmadani Darus, M. Aza Raja Desyandri Desyandri Dinanty, Dhea Dinata, Agfahmi Dirgantara, M. Riyan Disti, Pinasthika Alya Dwika, Galuh Citra Sukma EKA FADHILA Fadilah, Cut Fadilla, Hasana Fadla, Sarah Lailatil Fahlevy, Reza Fatni Mufit Fauziah Nasution Febriana, Vinni Febriani, Arum Febriayu, Lelita Febrina, Dwi Febrita, Ayang Fikri, Tyo Azharil Firman Firman Fitri, Muhd. Aidil Frisca Putri, Wan Fuja Novitra Ginting, Herminaria Br. Habibi, Bachtiar Yusuf Hafizah, Casyariadi Vana Hamsa, Ahmadi Hani, Fildzah Harahap, Faris Andrawika Harahap, Sri Widya Hardi, Rushel Hasibuan, Reni Ria Armayani Herlin, Annisa Rahmah Herlina Herlina Hsb, Indah Sahima Hutabarat, Siti Lutfia Indah Wahyuni Intifada, Winda Suryani Irdamurni Japakiya, Ismail Lutfi Jayadi, Mhd Dimas Juliana Juliana Junior Barus, Tony Khairulnisa, Khairulnisa Lestari, Yara Leswara, Malda Davitha Livianti, Laudy Lubis, Adrian Niken Lubis, Farah Ananda Lubis, Lutfhia farhana Lubis, M. Syahrozi Maharani, Nurul Sandra Maidalena Maidalena, Maidalena Marselina Marselina Maslyah, Maharani Nur Matua Siregar, Haposan Maulida, Maulida Tri Puspita Meha, Nurmala Lutfi Meisarah, Helfina Monalisa, Febri Nanda Musthofa, Imam Amir Naldo, Jufri Naldo Nanda, Muhammad Rhenz Nasution, Julia Hamdini Nathania, Nazhiwa Neviyarni, Neviyarni Nikira, Nikira Nofi Susanti Noviyana, Nurul Nurafni, Anggi Nuraini, Nasywa Nurhayati Nurhayati Nurhizrah Gistituati Nursyahara, Septia Oktavia Sufa, Amanda P.H, Wira Herdika Firliansyah Pane, Nurdyanti Choirunnisa Pasaribu, Indriani Pasaribu, Veny Sriulina Pohan, Aqila Syafah Marwah Pohan, Raihan Adha Rahman Pratiwi, Dinda Pratiwi, Tia Pujiastuti, Wulandari Puri, Eliza Puspita Dewi, Puspita Putra Apriadi Siregar Putri, Diva Anisyah Putri, Holilah Putri, Nadja Melika Putri, Sella Permana Putri, Siti Rahmayanti Qurrotu’aini, Hanna Muthia Rahmatillah, Riska Rahmawita, Annisa Rahmi Dewi Ramadhani, Indri Gayatri Rianti, Irna Ritonga, Dendi Dwi Putra Rohima Rohima Ruslita Batubara, Aisyah Norma Rusmanianty, Rusmanianty Safira, Putri Salsabilla, Salsabilla Samosir, Ema Indah Maria Santi Bancin, Eliyas Santika Siregar, Imel Saqina Nasution, Putri Amalia Saragih, Lutfiah Irwani Sari Siregar, Efrida Rahma Sari, Eza Tirta Sari, Sri Indah Ayu Permata Sawitri, Seli Novalin Sigalingging, Sinarta Silaen, Aprilia Putri Siti Komariah Siti Nurhalimah Suherman, Dea Stivani Syafira, Syafira Syahputri, Salsabila Syofianda, M. Uki Titin Hartini Tusa’diah Siregar, Nurhalimah Umayya Gea, Wardatul Utami, Nuria Tri Wicaksono, M. Fadli Widyanto, Ricky Wijaya, M. Aulia Yahman, Qaila Nailaya Yanuar Hamzah Yulia Khairina Ashar Yulika, Herma Yumna, Afrian Andika Yusliani, Yusliani Zaenab , Zaenab Zahira, Nazhan Zhafira, Tengku Aiena Zulvira, Riri