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All Journal Signifikan : Jurnal Ilmu Ekonomi EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Hasil Pengabdian Kepada Masyarakat Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan JABE (Journal of Applied Business and Economic) Aptisi Transactions on Technopreneurship (ATT) Iqtishoduna: Jurnal Ekonomi Islam JUMAN Tools (Jurnal Manajemen Tools) Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan International Journal of Business Economics (IJBE) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Economics and Digital Business Review Ilomata International Journal of Management International Journal of Business, Law, and Education Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Fokus Manajemen Asian Journal of Management Analytics ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Jurnal Manajemen Dan Akuntansi Medan Journal of Management, Economic, and Accounting Journal Business Administration (JBA): Entrepreneurship and Creative Indutry Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced International Journal of Economics and Management Sciences International Journal of Economics, Business Management and Accounting Jurnal Akuntansi Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Muhammad Dharma Tuah Putra Nasution
Magister Ilmu Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Sumatera Utara, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Social Sciences Other

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The Impact of Financial Capability on Well-Being: Serial Mediation by Anxiety and Behavior among Indonesian Retail Investors Rahmadhani, Sari Nuzullina; Nasution , Muhammad Dharma Tuah Putra
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 3 (2025): JIAKES Edisi Juni 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i3.3605

Abstract

In recent years, attention to individual financial well-being has increased significantly, driven by the increasing complexity of financial decisions amidst global economic dynamics. This study examines the relationship between financial capability, financial anxiety, and financial behavior in determining financial well-being among retail investors in the Indonesian capital market. This study uses a quantitative approach utilizing survey data from 200 retail investors and analyzes the data through Structural Equation Modeling Partial Least Squares (SEM-PLS). The findings reveal that financial capability negatively impacts financial anxiety while positively impacting financial behavior. Furthermore, financial behavior significantly impacts financial well-being. This study establishes a serial mediation effect where financial capability influences financial well-being through sequential mediation of financial anxiety and financial behavior. This study contributes to the literature by empirically testing a serial mediation model in the context of retail investment and underscoring the important role of psychological factors in individuals' financial decision-making processes in the capital market.
ANALYSIS OF STANDARD OPERATING PROCEDURES, SERVICE INNOVATION, AND EMPLOYEE PROFESSIONALISM ON PUBLIC SATISFACTION WITH SERVICE ACCESSIBILITY AS AN INTERVENING VARIABLE INTERVENING IN THE POPULATION AND CIVIL REGISTRATION OFFICE OF CIVIL REGISTRATION OFFI Lasma Uli Simangunsong; Nurafrina Siregar; Muhammad Dharma Tuah Putra Nasution
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i5.4446

Abstract

Population administration services require speed, accuracy, transparency, and ease of access. This study analyzes the influence of Standard Operating Procedures (SOPs), service innovation, and employee professionalism on public satisfaction, with service accessibility as an intervening variable at the Population and Civil Registration Office of Medan City. The research design is a quantitative cross-sectional study using a survey of 96 respondents (Cochran's sample size determination technique). The analysis was conducted using PLS-SEM (SmartPLS). All indicators met convergent validity (outer loading ≥ 0.70) and reliability (Composite Reliability 0.935–0.961; AVE 0.705–0.830). The model had high explanatory power: R² accessibility = 0.864 and R² satisfaction = 0.837. Path testing results showed: SOP → accessibility was positive and significant (β=0.225; p=0.031), but SOP → satisfaction was not significant (β=−0.056; p=0.673); innovation → significant accessibility (β=0.544; p<0.001) and innovation → significant satisfaction (β=0.322; p=0.049); professionalism → significant accessibility (β=0.205; p=0.047) while professionalism → satisfaction was not significant (β=0.221; p=0.118); accessibility → significant satisfaction (β=0.460; p=0.041). The mediation test showed significant mediation in the path of innovation → accessibility → satisfaction (β=0.250; p=0.048), while the mediation of SOP and professionalism through accessibility was not significant. The findings confirm that improving accessibility—driven primarily by service innovation—is key to increasing public satisfaction. Practical implications recommend strengthening needs-based innovation (e.g., online queuing and tracking, mobile services), enforcing SOPs for process consistency, and monitoring digital performance to maintain service accountability.
FROM TOUCH TO TRUST: THE ROLE OF EMOTIONAL ENGAGEMENT AND BRAND TRUST IN DRIVING IMPULSIVE BUYING OF SCIENTIFIC PRODUCTS DURING TIKTOK LIVE STREAMING Diah Sulistia; Muhammad Dharma Tuah Putra; Husni Muharram Ritonga
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v6i1.4878

Abstract

Study This aim explore Factors that influence impulsive buying behavior Students on TikTok Live Streaming Commerce products Skintific with use Stimulus–Organism–Response (SOR) framework . In this model , Interactivity is positioned as the main stimulus , while Affective Engagement and Brand Trust play a role as a mediating organism the influence of stimulus on response in the form of behavior purchase impulsive approach​ quantitative used through Structural Equation Modeling (SEM-PLS) method with involving 300 respondents active students of Panca Budi Development University Medan watch TikTok Live Streaming and have experience shop product beauty online . Research results show that interactivity has an effect significant on affective engagement and brand trust, as well as in a way direct and indirect direct trigger impulsive buying behavior . Findings This confirm that combination real-time interaction , engagement emotional , and trust towards the brand playing role important in push decision purchase spontaneously in the Live Streaming Commerce ecosystem . In theoretical , research This enrich literature about behavior digital consumers , while in a way practical give implications for beauty brands For optimizing communication strategies interactive in increase effectiveness marketing via TikTok Live Streaming.
Technology-Driven Resource Utilization and Integration to Enhance Firm Performance Nasution, Muhammad Dharma Tuah Putra; Rossanty, Yossie; Harahap, Ramadhan; Tanjung, Aulia Ramadhan; Nasution, Thorique Akbar Maulana
Aptisi Transactions On Technopreneurship (ATT) Vol 8 No 1 (2026): March
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v8i1.472

Abstract

Rapid digital transformation has increased the need for firms to optimize how technological resources are utilized and integrated to enhance performance, particularly among Small and Medium-sized Enterprises (SMEs) facing resource constraints. Although prior research highlights the value of digital adoption, less is known about how resource integration mechanisms convert technology-driven utilization into sustainable performance outcomes. This study aims to examine the effect of technology-driven resource utilization on firm performance and to test the mediating role of resource integration within the Resource-Based View (RBV) framework. A quantitative research design was applied using survey data collected from 233 firms undergoing digital transformation across various industries. The hypothesized relationships were analyzed using Structural Equation Modeling (SEM) with SmartPLS. The analysis followed standard PLS-SEM procedures, including measurement model assessment for reliability and convergent validity, and structural model evaluation to test path significance and mediation effects. The results show that technology-driven resource utilization has a significant positive effect on firm performance. Resource integration also significantly improves firm performance and partially mediates the relationship between resource utilization and performance, indicating that digital resources contribute more effectively when embedded into coordination routines, aligned workflows, and knowledge-sharing mechanisms. This study concludes that dynamic resource integration is a critical capability for translating technology-driven resource utilization into sustainable firm performance, extending RBV by emphasizing integration capability as a strategic asset. Limitations include the cross-sectional design and SME-focused sample; future studies should employ longitudinal designs and broader industry contexts.
ANALYSIS OF PROMOTION AND SERVICE QUALITY ON DECISIONS SAVING THROUGH CUSTOMER TRUST IN BANKS WEST JAVA MEDAN BRANCH OFFICE Etrie Septiani Lubis; Slamet Widodo; Muhammad Dharma Tuah Putra Nasution
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 2 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19464654

Abstract

The increasingly fierce competition in the banking industry requires banks to optimize their promotional strategies and service quality to increase customer savings decisions, particularly by establishing trust. This study aims to analyze the effect of promotion and service quality on savings decisions with customer trust as a mediating variable at Bank Jawa Barat (BJB) Medan Branch. This study uses a quantitative approach with primary data obtained through a questionnaire distributed to 120 savings customers. Data analysis techniques used Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the help of SmartPLS software. The results show that promotion and service quality have a positive and significant effect on savings decisions. In addition, promotion and service quality are also proven to have a positive and significant effect on customer trust. Customer trust itself has a positive and significant effect on savings decisions. The results of the indirect effect test show that customer trust is able to mediate the effect of promotion and service quality on the decision to save. The coefficient of determination (R²) value shows that promotion and service quality are able to explain 48.7% of the variation in customer trust, while promotion, service quality, and customer trust together explain 57.4% of the variation in the decision to save. Based on these findings, it can be concluded that customer trust plays a strategic role in strengthening the influence of promotion and service quality on savings decisions. Therefore, Bank BJB Medan Branch Office is advised to continue improving the quality of informative and consistent promotions and improving service quality, particularly in terms of responsiveness and reliability, to build and maintain customer trust in the long term.
How Ambidextrous Marketing Capabilities Mediate the Impact of Market Knowledge Breadth on Innovation Performance: A Conceptual Model Muhammad Dharma Tuah Putra Nasution; Yossie Rossanty; Ramadhan Harahap; Aulia Ramadhan Tanjung
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 5 No. 4 (2024): Oktober
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v5i4.1956

Abstract

This conceptual paper aims to explore the mediating role of ambidextrous marketing capabilities in the relationship between market knowledge breadth and innovation performance within the hospitality sector, specifically in food and beverage establishments. This study addresses a critical gap in the literature by proposing a theoretical framework that links these variables. It conceptualizes how a firm’s breadth of market knowledge—encompassing insights into various market segments and customer needs—can influence its innovation performance, with ambidextrous marketing capabilities acting as a mediating factor. Ambidextrous marketing capabilities are defined in terms of their exploratory (ability to explore new markets and customer segments) and exploitative (ability to leverage existing market knowledge) dimensions. The paper argues that firms with extensive market knowledge are better positioned to develop and apply these capabilities effectively, thus enhancing their innovation outcomes. The proposed framework suggests that market knowledge breadth influences innovation performance both directly and indirectly through ambidextrous marketing capabilities. This conceptual approach aims to provide a foundation for future empirical research and offers theoretical insights into how firms in the hospitality sector can leverage their market knowledge and marketing capabilities to drive innovation.
Label “Buatan AI” pada Iklan TikTok untuk Produk Hedonik: Peran Pengetahuan Persuasi (Konseptual vs. Sikap) terhadap Sikap terhadap Iklan Rospita Simamora; Fadli Fadli; Muhammad Dharma Tuah Putra Nasution
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.8474

Abstract

The adoption of AI auto-labeling by TikTok since 2024 has established transparency in AI use as a new standard in digital advertising; however, its impact on consumer responses, particularly for hedonic products that are sensitive to warmth and authenticity, remains insufficiently understood. Drawing on the Persuasion Knowledge Model (PKM), this study distinguishes ad-specific persuasion knowledge (PK) into a conceptual dimension (recognition of content as advertising) and an attitudinal dimension (skepticism toward persuasive motives), and examines how the “AI-generated” label influences both dimensions and, in turn, attitude toward the ad (Aad). Using a between-subjects experimental design with a sample of 387 Indonesian TikTok users aged 18–35 years, this research manipulated the presence of an AI label on TikTok ads for a hedonic product (premium snacks). Data were analyzed using path analysis with PLS-SEM. The results show that the AI label significantly increases conceptual PK (β = .487, p < .001) and attitudinal PK (β = .312, p < .001), while conceptual PK in turn strengthens attitudinal PK (β = .394, p < .001). Attitudinal PK subsequently reduces Aad significantly (β = –.618, p < .001). Serial mediation analysis confirms the pathway AI label → conceptual PK → attitudinal PK → Aad (β = –.118, 95% CI [–.172, –.066]) with full mediation (total effect β = –.391). These findings provide three main contributions: (1) formalizing the separation of cognitive (conceptual PK) and affective (attitudinal PK) effects of AI-use disclosure; (2) demonstrating a trade-off between AI transparency and the advertising effectiveness of hedonic products in short-form video contexts; and (3) offering practical implications for TikTok advertisers in the form of content humanization strategies (human-in-the-loop narratives, warmth cues) and label format design (placement at the beginning of the video, semi-transparent display) to preserve affective effectiveness while remaining ethical and transparent. The study concludes that AI transparency, although normative and increasingly unavoidable, entails persuasive costs that need to be mitigated through warm and authentic creative design.
Brand Activism pada Pasar Konsumen dan Dampaknya terhadap Purchase Intention: Peran Brand Trust sebagai Mediating Mechanism Ivo Arfiani Turnip; Fadli Fadli; Muhammad Dharma Tuah Putra Nasution
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.8475

Abstract

Although brand activism has attracted growing attention in the marketing literature, studies that specifically examine the psychological mechanisms through which brand activism influences purchase intention in emerging markets remain limited. This study aimed to analyze the effect of brand activism on purchase intention with brand trust as a mediating variable in the context of the Indonesian consumer market. A quantitative approach with a cross-sectional survey design was employed, involving 385 millennial and Generation Z respondents in Indonesia selected through purposive sampling. Data were collected using a structured questionnaire and analyzed using Structural Equation Modeling (SEM) with AMOS 24.0. The results show that brand activism has a significant positive effect on purchase intention (β = 0.412, p < 0.001) and brand trust (β = 0.536, p < 0.001). Brand trust also significantly affects purchase intention (β = 0.539, p < 0.001) and partially mediates the relationship between brand activism and purchase intention (indirect effect = 0.289, p < 0.001), with a total effect of 0.701. These findings contribute to the development of consumer–brand relationship theory by identifying trust as a critical mediating mechanism and by extending understanding of the effectiveness of brand activism in emerging markets with distinctive socio-cultural characteristics. The study concludes that authentic and consistent brand activism is crucial for building consumer trust and encouraging purchase intention, and recommends that brand managers design activism strategies that prioritize authenticity, long-term commitment, and tangible social impact. The implications of this research include a theoretical contribution to the literature on conscious consumerism and practical implications for companies targeting consumers who are concerned with social issues, while also opening opportunities for further research on the differential effects of various types of activism and cultural boundary conditions.
ANALYSIS OF EDUCATIONAL CONTENT AND WORD OF MOUTH ON THE DECISION TO PAY ZAKAT WITH TRUST AS A VARIABLE INTERVENING IN THE NATIONAL ZAKAT COLLECTION INSTITUTION BAITULMAAL MUAMALAT Budi Syahputra; Mesra B; Muhammad Dharma Tuah Putra Nasution
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 3 (2026): June
Publisher : CV. Radja Publika

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

Abstract

This study aims to analyze the influence of educational content and word of mouth on zakat payment decisions with trust as a mediating variable. The study used the Partial Least Squares approach with 85 respondents. The test results show that educational content has a significant effect on trust with a coefficient value of 0.585 and a direct effect on zakat payment decisions with a coefficient value of 0.448. Word of mouth also has a significant effect on trust with a coefficient value of 0.311 and influences zakat payment decisions with a coefficient value of 0.167. Trust is proven to have a significant influence on zakat payment decisions with a coefficient value of 0.265. The R-Square value for zakat payment decisions is 0.678 while the R-Square value for trust is 0.646 which indicates a strong predictive ability of the model. These findings confirm that educational content and word of mouth have an important role in shaping trust and encouraging muzakki decisions. The implications of the study recommend the need for informative and credible communication strategies to increase trust and zakat participation through formal institutions.
SOCIAL MEDIA ANALYSIS AND SERVICE QUALITY ON CUSTOMER SATISFACTION AND ITS IMPACT ON CUSTOMER LOYALTY AT PT. KATIGA RITEL STRENGINDO (K3 MART) MEDAN Jhony; Mesra B; Muhammad Dharma Tuah Putra Nasution
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i5.4383

Abstract

The retail industry in Indonesia has undergone a significant transformation, triggered by the penetration of the internet and social media, which have changed consumer behavior. This study aims to analyze how social media and service quality affect customer satisfaction and loyalty at PT. Katiga Ritel Strengindo (K3 Mart) Medan. This study examines the relationship between social media marketing activities, service quality, customer satisfaction, and loyalty using a quantitative approach with a sample of 83 K3 Mart Medan consumers. Data were obtained through a survey and then analyzed using the Partial Least Squares (PLS) method. The results show that social media has a positive effect on customer satisfaction and loyalty, with satisfaction acting as a mediator that strengthens the relationship between social media and loyalty. In addition, service quality has a significant effect on customer satisfaction and loyalty, with satisfaction also acting as a mediator. This study provides a theoretical contribution to enriching the literature on the relationship between social media, service quality, satisfaction, and customer loyalty in the modern retail sector, particularly in the context of lifestyle marts in Indonesia. Practically, the results of this study provide recommendations for K3 Mart management to increase interaction on social media, improve service quality, and improve the physical aspects of the store in order to continuously increase customer satisfaction and loyalty.
Co-Authors , Wilchan Robain Ahmad Rafiki Annisa Eka Maghfiroh Arif Qaedi Hutagalung Aulia Ramadhan Tanjung Aulia Ramadhan Tanjung Auliya Allendifa Beby Sendy Br Ginting , Nita Budi Syahputra Corry Patricia Manik Cut Kesuma Pahlufi Cyndi Varelie Dany Perdana Sitompul David Pranata Pakpahan David Pranata Pakpahan Dewi Nurmasari Pane Diah Sulistia Doli Muhammad Ja’far Dalimunthe Dwi Hadi Surya Etrie Septiani Lubis Fadli Fadli Fadli Fadli Fadli Fadli Fadli Fadli Fitriani Tobing Hambali Harahap , Ramadhan Harahap, Ramadhan Husni Muharram Ritonga Husni Muharram Ritonga Inneke Qamariah Irawan Irawan Irawan Irawan Irawan, Irawan Ivo Arfiani Turnip Jhony Joko Ramadhani Julia Evita Lestari Ku Halim bin Ku Ariffin Lasma Uli Simangunsong M. Chaerul Rizky Mesra B Monica Oktavia, Monica Muhammad Saeed Asshihab Nasution, Thorique Akbar Maulana Ningsih, Tasya Septia Nur Asyiqin Binti Abdul Manaf Nurafrina Siregar Ocdy Amelia Pahlufi, Cut Kesuma Rahmadhani, Sari Nuzullina Ramadhan Harahap Ramadhan Harahap Ramadhan Tanjung, Aulia Rifky Budi Setiawan Rospita Simamora Sandra, Oky Puspita Sari, Pipit Buana SATRIYAS ILYAS Siti Hafsah Zulkarnain Slamet Widodo Surya, Dwi Hadi Sutan Emir Hidayat Syafrida Hafni Sahir Tanjung, Aulia Ramadhan Tarigan, Vita Cita Emia Yossie Rossanty Yossie Rossanty