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Hardi Fardiansyah
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BANKING TRANSACTIONS USING FINANCIAL TECHNOLOGY EXPANDED DURING THE COVID 19 PANDEMIC Hardi Fardiansyah; PA. Andiena Nindya Putri; Ariawan Ariawan
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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Abstract

This study was conducted to determine the growth of Fintech transactions in banking during the Covid-19 pandemic. As we all feel that the covid-19 pandemic outbreak is a serious threat to life and the economy. This has an impact on all business sectors which has a bad influence on world financial inclusion, especially in Indonesia. This impact is also felt by the banking sector. As a financial intermediary institution that prioritizes services to the community (customers), banks are increasingly aggressively carrying out their business activities on a technological basis. Financial technology is a base that continues to be rushed in its development and updating to support cash less transactions that allow transactions without cash and without face to face. The opening of payment channels through leading and well-known start-ups continues to be established so that it is possible to interlock in transactions. Peer to peer (P2P) is one of the right ways to help strengthen inclusiveness for businesses and customers. Creating convenience in every transaction is an obligation for every banking institution. Facilitating the reach of services to each individual is also an expectation that must be achieved and realized. Financial technology (Fintech) is the right tool to build an image in the eyes of the community as a partner / user.
SOCIAL MEDIA INFLUENCER IMPLEMENTATION ON CONSUMER PURCHASE INTEREST Eliyanti Agus Mokodompit; Hardi Fardiansyah; Leny Yuliyani
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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Abstract

Technology, such as social media apps, has made communication and relationship building easier. The use of influencers is one of the actors that contributes to the success of digital marketing platforms such as social media. Effective marketing entails keeping products in the forefront of consumers' minds so that they will choose to purchase the products offered. The goal of this research is to determine how digital marketing uses social media influencers to influence consumer purchasing behavior. According to the AISAS flow, micro-influencers, macro-influencers, and mega-influencers can create interesting content that sways the interests of a large number of consumers. The number of likes and comments on influencer accounts can indicate how interested followers are in the account. Influencers can also convey various types of promotions via their visual style and personal language. This is demonstrated by the use of interesting photography and copywriting. The potential for affected netizens to search for products (search), buy products (action), and leave product reviews is obvious, which can have an impact on companies that can promote their products to influencers. Important Instagram statistics and trends for 2022, for example, advertisers could reach 1.440 billion Instagram users in July 2022, ranking it as the world's fourth most 'active' social media platform. Instagram restricts its platform to people aged 13 and up, so knowing that 45.8 percent of the eligible audience in Indonesia is using Instagram in 2022 is useful. As a result, influencer marketing is quickly becoming one of the most popular marketing strategies for influencers, as they can present posts that promote brand image and characteristics, which have a significant impact on consumers.