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All Journal JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) JURNAL ILMIAH SIMANTEK Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Metansi (Manajemen dan Akuntansi) Golden Ratio of Data in Summary Innovative: Journal Of Social Science Research Jurnal Ekonomi, Manajemen, Akuntansi
EMANUEL ZEBUA
UNIVERSITAS NIAS
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Golden Ratio of Data in Summary

 1 
Analysis of the Use of the Dana Application as a Digital Payment Tool in Facilitating Consumer Purchasing Transactions Wasiat Elfan Daud Zebua; Yupiter Mendrofa; Emanuel Zebua; Jeliswan BIJ Gea
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.562

Abstract

This research aims to achieve the following objectives: (1) to explore how the implementation of the DANA e-wallet facilitates consumer transactions at the Ya'ahowu Market in Gunungsitoli City; (2) to examine the usage patterns of the DANA application within the Ya'ahowu Market; and (3) to identify the challenges and risks associated with using the DANA application in simplifying transactions for consumers at the market. The research methods employed include observation, interviews, and documentation collection, with five respondents participating in the study. Based on interviews with key informants, the study found that the increasing adoption of e-wallets, such as DANA, has significantly streamlined transaction processes at Ya'ahowu Market. Informants revealed that, prior to the introduction of the DANA application, transactions were conducted solely in cash. However, since the app’s integration, both buyers and sellers at Ya'ahowu Market have embraced e-wallets, recognizing their potential to simplify transactions and enhance overall market efficiency. This shift demonstrates the market's effort to keep up with technological advancements in digital payment systems.
The Influence of Consumer Behavior on Purchasing Decisions Enifarmawati Lase; Emanuel Zebua; Yupiter Mendrofa; Perlindungan F. Hulu
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.638

Abstract

Retail trade is a very strategic trade in Indonesia because it is able to absorb labor after the agricultural sector. There are two types of retail trade, namely traditional retail which is directly represented by small traders or grocery traders in traditional markets and in housing and modern retail which is represented by supermarkets and minimarkets such as Alfamart and Indomaret. This proves that there is quite high economic growth and creates investment, but on the other hand, this can cause lethargy for traditional kiosk traders, even killing their businesses. Yuki Mart is one of the modern shops (minimarkets) in Gunungsitoli City. This research aims to find out how much influence consumer behavior has on purchasing decisions at Yuki Mart, Gunungsitoli City. This research uses quantitative methods. Respondents were 57 consumers who shopped at Yuki Mart, Gunungsitoli City in July, where researchers collected data using a questionnaire, then carried out data validity tests, data reliability tests, classical assumption tests (normality tests), coefficient of determination, and hypothesis tests (t tests). The results of the research show that the influence of consumer behavior on purchasing decisions at Yuki Mart, Gunungsitoli City, is 16.3% and the other 83.7% is influenced by other variables not included in this research.
The Effect of Price on Consumer Purchase Decisions Kurniawan Gea; Maria Magdalena Bate’e; Emanuel Zebua; Aferiaman Telaumbanua
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.671

Abstract

This study aims to determine whether financial inclusion has a positive effect on the sustainability of the SME sector in Lotu District, North Nias Regency, and to determine how much influence financial inclusion has on the sustainability of the SME sector, and to determine whether financial inclusion can overcome the challenges experienced by SME actors. The study was conducted in Lotu District, North Nias Regency. The research method used is a quantitative method with data collection through the distribution of questionnaires, documentation, and interviews, observations. The respondents in this study were 63 SME respondents. The results of this study indicate that the influence of financial inclusion has an influence on the sustainability of the SME sector by 20.4%. With increasing financial inclusion, it will further encourage SME actors to develop their businesses in the future.
Co-Authors Aferiaman Telaumbanua Ayler Beniah Ndraha Beby Karina F Sembiring Elkristian Lahagu Enifarmawati Lase Ester Harefa Fatolosa Hulu Febertina Zebua Hulu, Fatolosa Idarni Harefa Jeliswan Berkat Iman Jaya Gea Jeliswan BIJ Gea Kurniawan Gea Kurniawan S. Zai MARIA MAGDALENA BATE’E Mei Kristian Halawa Nanny Artatina Buulolo Nota Roma Saro Harefa Nov Elhan Gea Novelina Andriani Zega Nurul Wardani Lubis Otanius Laia Palindungan Lahagu Perlindungan F. Hulu Rizal Ananda Alwi Zebua ROHMAT POLINUS ZILIWU Serniati Zebua Sri Asli Handayani Ndruru SUDARMAN ZEBUA Syukron Arjuna Wasiat Elfan Daud Zebua YUPITER MENDROFA Yuterlin Zalukhu