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The Effect of Product Quality and Proce on Consumer Loyality with Consumer Satisfaction as an Intervening Variable (Case Study of Scarlett Bodi Lotion Consumers in Nias Raya University Student) Sri Endang Putri Zagoto; Saidah Khairiyah Hasibuan; M Ardy Rafian; Dede Ruslan Asria Sapti; Raina Linda Sari
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.17574

AbstractThe purpose of this research is to investigate the effect of product quality and price on consumer loyalty, with consumer satisfaction serving as a moderator (case study of Scarlett body lotion users, Nias Raya, a university student). The method used in this study is path analysis. The results showed that based on the first structural equation, product quality and price have an effect on customer satisfaction both partially and combined. Based on the second structural equation, product quality, price and customer satisfaction significantly affect customer loyalty both partially and combined.

PERANAN FINANCIAL TECHNOLOGY DALAM PERKEMBANGAN UMKM DI ERA PEMULIHAN EKONOMI PASCA PANDEMI COVID-19 DI INDONESIA Rizky Azlina Siregar; Raina Linda Sari; Dede Ruslan
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 14 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.8186038

Technological developments have a positive impact on economic development, FinTech is an alternative to access financial services in a practical, efficient, convenient and economical way. Fintech has been recognized as an accelerator of economic growth during the national economic recovery through digital technology in the fintech lending program which can reach access to financing for the public. trillion to 92.4 million loan recipients. In order to support the development of MSMEs, fintech provides an easy and practical facility for borrowing capital online and there are not many complementary documents such as banking, so that there is a significant increase in MSMEs during the current economic recovery era. In this study using descriptive qualitative research methods derived from reading sources, articles and related secondary data. The results of this study indicate that the Fintech Industry has a positive and significant impact on Small and Medium Enterprises (MSMEs) and also increases financial inclusion, because the internet network is extensive and can reach almost all regions, in fact it makes it easier for people to gain access to various institutions, products and financial services according to their needs and abilities as well.

Analisis Pengaruh Harga dan Pendapatan Konsumen Terhadap Permintaan Handphone Pada Lingkup Karyawan Hendri Andika Saputra; Dastanta Irvan Ginting; Dede Ruslan; Raina Linda Sari
Journal of Trends Economics and Accounting Research Vol 4 No 2 (2023): December 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v4i2.1032

This research aims to conduct a comprehensive analysis of smartphone demand among employees. Employing an economic approach, the study seeks to explore the factors influencing the purchasing decisions of permanent employees at PT. CMS MAJU SEJAHTERA, utilizing a descriptive statistical analysis approach. The research sample consists of 65 permanent employees at PT. CMS MAJU SEJAHTERA, and variable measurements are conducted using a Likert scale (1 = strongly disagree; 5 = strongly agree). The research findings indicate that the demand for smartphones among permanent employees at PT. CMS MAJU SEJAHTERA is significantly influenced by income and price variables. Interestingly, the level of education did not prove to affect smartphone demand in this research context.

Analysis of The Influence of Education, Health, and Internet User on Economic Growth With Labor Productivity as an Intervening Variable in Indonesia Simatupang, Dewi Ratna Sari; Yola Anggia; Raina Linda Sari; Inggrita Gusti Sari Nasution
Journal Of Management Analytical and Solution (JoMAS) Vol. 3 No. 3 (2023): Journal Of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v3i3.12851

This study aims to see whether the Labor Productivity variable is ableto become an intervening variable between the Education, Health andInternet Users variable on Indonesia's Economic Growth in the 2015-2019 period. The method used is Path Analysis using the Eviewsprogram. The data used is in the form of panels consisting of 34provinces in Indonesia over a period of 5 (five) years. For modelselection using the Chow Test and Hausman Test and from the two teststhe Fixed Effect Model was selected. For the value of the EducationVariable, the average length of school data is used; the health variableuses life expectancy data and vaternet uses internet user data. Theresults of this study indicate that the Labor Productivity variable is notan intervening variable between the Education, Health, Internet variableand the Economic Growth variable as seen from the Sobel Test resultswhich have a value of less than 1.96 at ð›¼=5%. The direct effect of theEducation variable on Labor Productivity is negative and notsignificant. The direct effect of the Health variable on LaborProductivity is negative and significant. The direct effect of the Internetvariable on Labor Productivity is positive and not significant. Thedirect effect of the Education variable on Economic Growth is negativeand significant. The direct effect of the Health variable on EconomicGrowth is positive and not significant. The direct effect of Internetvariable on economic growth is positive and significant. The directeffect of the Labor Productivity variable on Economic Growth isnegative and not significant.

SOCIALIZATION OF THE USE OF SCREEN PRINTING MACHINES AS A SUPPORTING TOOL FOR MAKING SOUVENIRS AT THE MANGROVE BEACH OF KAMPUNG NIPAH Sukma Hayati Hakim; Raina Linda Sari; Coki Ahmad Syahwier; Syech Suhaimi
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 3 No. 2 (2023): July-October 2023
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v3i1.2035

This community service aims to empower the community in Sei Nagalawan Village, Kampung Nipah, through training in the use of digital printing machines. This village faces economic challenges due to the limited availability of souvenirs that can be produced consistently and the underwhelming income from the tourism sector. The service team introduced digital printing machines and provided training on material selection to enhance the production of souvenirs, such as t-shirts and merchandise. The training results indicated that participants successfully acquired new skills and improved product quality, although challenges in the availability of raw materials remain. Future plans include product development and exploration of new marketing opportunities to increase community income through digital platforms.

LITERACY FINANCIAL TECHNOLOGY THROUGH THE USE OF MICROSOFT EXCEL Raina Linda Sari; Paidi Hidayat; Inggrita Gusti Sari Nasution; Yola Anggia
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 3 No. 3 (2023): November 2023 - February 2024
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v3i1.2036

The purpose of this community service in the form of financial literacy training through Microsofr Excel integration is to improve understanding of financial management priorities and apply Microsoft Excel features to manage finances for Sekolah Indonesia Bangkok junior and senior high school students. Each participant received a training kit, in the form of practical worksheets and goodie bags containing stationery and guidance modules. Worksheets and guide modules are sustainable, so that students can apply them in life outside the training session. The learning methods used in the training are project-based learning and interactive discussions. First, learners get an understanding of the concept of financial management priorities, then proceed with Microsoft Excel practice. The final evaluation is done through the final worksheet results and question and answer activities that cover the cognitive, psychomotor, and affective aspects of the learners. The result of this training is that students understand the concept of financial management priorities in theory, apply Microsoft Excel features, and integrate financial management with Microsoft Excel features.

Analysis of The Influence of Education, Health, and Internet User on Economic Growth With Labor Productivity as an Intervening Variable in Indonesia Simatupang, Dewi Ratna Sari; Yola Anggia; Raina Linda Sari; Inggrita Gusti Sari Nasution
Journal Of Management Analytical and Solution (JoMAS) Vol. 3 No. 3 (2023): Journal Of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v3i3.12851

This study aims to see whether the Labor Productivity variable is ableto become an intervening variable between the Education, Health andInternet Users variable on Indonesia's Economic Growth in the 2015-2019 period. The method used is Path Analysis using the Eviewsprogram. The data used is in the form of panels consisting of 34provinces in Indonesia over a period of 5 (five) years. For modelselection using the Chow Test and Hausman Test and from the two teststhe Fixed Effect Model was selected. For the value of the EducationVariable, the average length of school data is used; the health variableuses life expectancy data and vaternet uses internet user data. Theresults of this study indicate that the Labor Productivity variable is notan intervening variable between the Education, Health, Internet variableand the Economic Growth variable as seen from the Sobel Test resultswhich have a value of less than 1.96 at ð›¼=5%. The direct effect of theEducation variable on Labor Productivity is negative and notsignificant. The direct effect of the Health variable on LaborProductivity is negative and significant. The direct effect of the Internetvariable on Labor Productivity is positive and not significant. Thedirect effect of the Education variable on Economic Growth is negativeand significant. The direct effect of the Health variable on EconomicGrowth is positive and not significant. The direct effect of Internetvariable on economic growth is positive and significant. The directeffect of the Labor Productivity variable on Economic Growth isnegative and not significant.

Analisis Tingkat Pendapatan UMKM (Usaha Mikro,Kecil,Menengah) Terhadap Dampak COVID-19 di Kota Medan Aini Rahma; Raina Linda Sari; Dede Ruslan
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.162

Since the end of 2019 the Covid-19 pandemic has attacked all corners of the world. The Covid-19 pandemic has had a tremendous impact on the economic sector throughout the world because many restrictions on community activities have caused the world economy to become volatile again, including the Indonesian economy, especially the city of Medan. The presence of the Covid-19 pandemic certainly presents a new challenge for Indonesia with an unprecedented spectrum and magnitude. Indonesia is also in the midst of a health and economic storm as experienced by more than 200 other countries. This extraordinary situation requires governments in various countries to devote energy and thought to producing balanced policies on the health, social and economic side. Starting from the price of petroleum which is in free fall, as well as the prices of other commodities such as gas and palm oil which will continue to be pulled down. This research aims to determine the impact of the Covid 19 pandemic on MSMEs (micro, small and medium enterprises) in the city of Medan. The research method used was a qualitative descriptive method. Where in the data collection process carried out were interviews with several MSME actors who sell in the Medan City area, such as traders who meet consumer needs, namely Primary, Secondary and Tresier. The government's decision to carry out a Social Distancing program has further worsened the situation for MSMEs, showing that the impact of Covid-19 is very influential, where in general more than 50% of MSMEs have experienced a decrease in income, reduction in employees, difficulties in borrowing bank installments. This is because people's purchasing power has decreased, resulting in the market being empty of buyers, as well as the lack of people's activities outside the home because they choose to stay at home. Several business actors are able to survive by trading through the use of technological applications that are easy and widely available for MSMEs so that they are able to expand their market network online. Even though this method cannot completely restore the income of MSMEs, especially in the city of Medan, there are still many obstacles that occur.

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