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Analysis Of E-Commerce And Product Innovation In Improving The Financial Performance Of Msmes In Binjai City 2025 Anisa Anisa; Ramadhan Harahap; Aulia Aulia
Jurnal Fokus Manajemen Vol 6 No 1 (2026): Februari
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i1.10437

This study analyzes the influence of e-commerce and product innovation in improving the financial performance of MSMEs in Binjai City in 2025. The research is motivated by a drastic decline in the number of MSMEs in 2024, where several sub-districts experienced a significant decline such as North Binjai from 258 to 59 units and East Binjai from 177 to 35 units. This study uses a quantitative approach with primary data collected through questionnaires distributed to 74 respondents of MSMEs in the culinary sector in Tanah Lapang Merdeka Binjai, who were selected using purposive sampling and the Solvin formula. The independent variables studied are e-commerce (X1) and product innovation (X2), while the dependent variable is the financial performance of MSMEs (Y) which is measured through the dimensions of liquidity, solvency, and profitability. Data analysis used multiple linear regression with SPSS version 26. This study is expected to provide practical recommendations on how MSMEs in Binjai City can optimally utilize e-commerce and product innovation to increase competitiveness, expand markets, and ultimately achieve better and more sustainable financial performance. The research findings are expected to serve as a reference for relevant stakeholders in developing policies and programs that support MSME development in Binjai City.

The Effect of Financial Technology Use and Financial Literacy on Financial Management among Management Students at UNPAB Novania Trifana; Ramadhan Harahap; Pipit Buana Sari
Jurnal Fokus Manajemen Vol 6 No 1 (2026): Februari
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i1.10440

This study aims to examine the role of financial technology use and financial literacy levels in shaping the financial management of students in the Management Study Program of the 2022 Panca Budi Development University, Medan. The study used a quantitative approach by collecting data from 80 randomly selected respondents. Data were obtained through questionnaires and analyzed using multiple linear regression. The analysis results showed that financial technology use did not have a significant impact on student financial management, as reflected by a significance value of 0.118. Conversely, financial literacy was shown to have a significant impact on financial management with a significance value of 0.000. Simultaneous testing showed that financial technology and financial literacy jointly contributed to student financial management with a coefficient of determination of 0.443, meaning that 44.3 percent of the variation in financial management can be explained by these two variables. This finding confirms that the ability to understand and manage finances plays a more dominant role than technological convenience in shaping students' financial management behavior.

The Influence Of Financial Literacy And Self-Control On Financial Management Of Unpab Management Students Stambuk 2022 Salwida Nasution; Ramadhan Harahap; Noni Ardian
Jurnal Fokus Manajemen Vol 6 No 2 (2026): Mei
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i2.10988

This study aims to analyze the influence of financial literacy and self-control on the financial management of students in the Management Study Program of Panca Budi Development University (UNPAB) class of 2022. This type of research is quantitative with a survey approach. The study population was active management students of Panca Budi Development University, batch 2022. The sampling technique used purposive sampling, obtaining 77 students. The research instrument was a questionnaire with a Likert scale. The data analysis method used multiple linear regression analysis with the IBM SPSS 27 application. Financial literacy has a positive and significant effect on student financial management. Self-control has a positive and significant effect on student financial management. Financial literacy and self-control simultaneously have a significant effect on financial management of students in the Management Study Program of Panca Budi Development University, batch 2022. This study was limited to students in the Management Study Program of Panca Budi Development University, so the results cannot be generalized to all students in Indonesia. The variables studied were limited to financial literacy and self-control, while there are still other variables that can influence effective student financial management. This study contributes to the development of financial management science, especially in the field of financial literacy and student financial behavior. The research findings can provide input for universities in designing financial education programs to improve students' financial management skills. This research contributes to the development of financial management science, particularly in the areas of financial literacy and student financial behavior. The research findings can provide input for universities in designing financial education programs to improve students' financial management skills..

The Effect Of Financial Technology Use And Financial Literacy On Financial Management Among Management Students At Unpab Novania Trifana; Ramadhan Harahap; Pipit Buana Sari
Jurnal Fokus Manajemen Vol 6 No 2 (2026): Mei
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i2.11014

This study aims to examine the role of financial technology use and financial literacy levels in shaping the financial management of students in the Management Study Program of the 2022 Panca Budi Development University, Medan. The study used a quantitative approach by collecting data from 80 randomly selected respondents. Data were obtained through questionnaires and analyzed using multiple linear regression. The analysis results showed that financial technology use did not have a significant impact on student financial management, as reflected by a significance value of 0.118. Conversely, financial literacy was shown to have a significant impact on financial management with a significance value of 0.000. Simultaneous testing showed that financial technology and financial literacy jointly contributed to student financial management with a coefficient of determination of 0.443, meaning that 44.3 percent of the variation in financial management can be explained by these two variables. This finding confirms that the ability to understand and manage finances plays a more dominant role than technological convenience in shaping students' financial management behavior.

The Influence Of Liquidity, Profitability And Solvency On Financial Performance At The Autonomous Agent Indah Logistik Cargo Pajak Melati Mery Cristina Simanullang; Geby Citra Ananda; Ramadhan Harahap
Jurnal Fokus Manajemen Vol 6 No 2 (2026): Mei
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i2.11061

This study aims to analyze the influence of liquidity, profitability, and solvency on financial performance in the Autonomous Agent of Indah Logistics Cargo Pajak Melati. The research uses a quantitative approach with a causal research type, using secondary data in the form of corporate financial statements for the 2020–2024 period. The sampling technique used is saturated sampling, with multiple linear regression analysis method using SPSS version 22. The results showed that the liquidity proxied with the Quick Ratio could not be further analyzed because it experienced high multicollinearity (Tolerance 0.011; VIF 87,266). Profitability proxied by Return on Equity has a regression coefficient of –0.568 with a significance value of 0.167 (> 0.05), so it has no significant effect on financial performance. Meanwhile, solvency proxied by the Debt to Equity Ratio has a regression coefficient of 0.149 with a significance value of 0.013 (< 0.05), which shows a positive and significant influence on financial performance. Simultaneously, profitability and solvency had a significant effect on financial performance with an F value of 37.352 and a significance of 0.026 (< 0.05), and an Adjusted R Square value of 0.948. The conclusion of the study shows that the stability of the company's financial structure, especially from the aspect of solvency, has a more dominant role in supporting the improvement of financial performance than profitability.

Analysis Of Capital, Asset Quality, Management, Earnings, and Liquidity (CAMEL) on the Financial Performance of PT Bank Rakyat Indonesia (Persero) Tbk for the 2020-2024 Period Anisa Permata; Ramadhan Harahap; Pipit Buana Sari
Jurnal Fokus Manajemen Vol 6 No 2 (2026): Mei
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i2.11091

This study aims to analyze the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk from 2020 to 2024 using the CAMEL method, which consists of five aspects, namely Capital, Asset Quality, Management, Earnings, And Liquidity. This research uses a qualitative approach with a descriptive research type. The data collection technique used is documentation taken from documents for the 2020-2024 period available on the official website of Bank Rakyat Indonesia. The results of the study on the financial performance of PT Bank Rakyat Indonesia Persero Tbk for the period 2020-2024 are in the healthy category and it can be concluded that the performance is in good and relatively stable condition despite the economic pressure caused by the COVID-19 pandemic and the post-pandemic recovery period. This study is expected to contribute to bank management in decision making and serve as a reference for further research in the banking sector.

The Influence Of Financial Literacy, Financial Planning And The Use Of Fintech Applications On The Financial Independence Of Management Students At Panca Budi Development University Nur Hafizah Fatimah; Syahrial Hasanuddin; Ramadhan Harahap
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1484

This study aims to analyze the effect of financial literacy, financial planning, and the use of fintech applications on the financial independence of management students at Universitas Pembangunan Panca Budi, Medan. The research employs a quantitative approach. Data were collected using purposive sampling by distributing questionnaires through Google Forms, which were shared via WhatsApp chats and Instagram direct messages to obtain respondents. The measurement scale used was a Likert scale ranging from 1 to 5.The population and sample of this study consist of management students at Universitas Pembangunan Panca Budi, Medan. Data analysis was conducted using SPSS to examine the simultaneous effects of financial literacy, financial planning, and fintech application usage on students’ financial independence. The analysis included data quality tests, classical assumption tests, multiple linear regression analysis, hypothesis testing, and the coefficient of determination (R²). The results indicate that the independent variables have a significant effect on the dependent variable, supporting the hypotheses proposed in this study.

The Influence of Hedonistic Lifestyle and Financial Self-Efficacy on the Level of Financial Literacy in Students of SMA N 1 Sunggal Aulia Beywanda Idris; Ramadhan Harahap; Noni Ardian
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1523

This study aims to analyze the influence of a hedonistic lifestyle and financial self-efficacy on the level of financial literacy among students of SMA N 1 Sunggal. The type of research used is quantitative research with a conclusive approach that aims to obtain conclusions based on the objectives and research problems. The population in this study were students of SMA N 1 Sunggal with a sample of 50 respondents found through a simple random sampling technique. Data were collected using an online questionnaire compiled with a Likert scale. The data analysis technique used was multiple linear regression analysis to determine the effect of independent variables on the dependent variable. The results showed that the instruments used met the requirements of validity and reliability. In addition, the classical assumption test showed that the data were normally distributed with a significance value of 0.200 in the Kolmogorov-Smirnov test. The research findings indicate that a hedonistic lifestyle and financial self-efficacy simultaneously influence students' financial literacy levels. Strong financial self-efficacy helps students manage their finances better, while a hedonistic lifestyle is a factor that needs to be watched out for because of the tendency to prioritize pleasure.

The Impact of Financial Literacy and Financial Behavior on the Financial Management of Oil Palm Farmers in Sipispis Subdistrict Eben Ezer Sinaga; Ramadhan Harahap; Noni Ardian
Journal of Management, Economic, and Accounting Vol. 5 No. 3 (2026): July
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i3.1552

This study aims to empirically examine the influence of financial literacy and financial behavior on the financial management of oil palm farmers in Sipispis Subdistrict. The background of this study is based on the phenomenon of farmers’ still-low understanding of basic financial concepts and the existence of financial behaviors that are not yet fully rational, such as the habit of mixing business finances with personal finances. The research method employed is a quantitative approach using primary data collected through the distribution of questionnaires to 97 oil palm farmer respondents in Sipispis Subdistrict. The data analysis techniques applied include classical assumption tests, multiple linear regression analysis, and hypothesis testing via the t-test (partial) and F-test (simultaneous) using SPSS software. The results of the study indicate that: (1) Financial literacy has a partial, positive, and significant effect on business financial management, meaning that increased financial knowledge will improve farmers’ ability to manage their businesses. (2) Financial behavior has a partial, positive, and significant effect on business financial management. (3) Simultaneously, financial literacy and financial behavior have a significant effect on the financial management of oil palm farmers in Sipispis Subdistrict, with a contribution (R-Square) of 61.1%. The remaining 38.9% is influenced by other variables outside the scope of this study. These results underscore the importance of enhancing financial literacy and fostering disciplined financial behavior to ensure the sustainability of farming businesses.

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