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Pengaruh Gengsi, Diskon, dan Literasi Keuangan Terhadap Perilaku Konsumerisme Generasi Z di Kalangan Mahasiswa Manajemen Khairani Marpaung; Tri Inda Fadhila Rahma
Cakrawala Repositori IMWI Vol. 6 No. 1 (2023): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v6i1.182

The research objectives were to determine the effect of prestige on consumerism behavior of generation Z in management students, to determine the effect of discounts on consumer behavior of generation Z on management students, to determine the effect of financial literacy on consumer behavior of generation Z among management student. This type of research is quantitative with a descriptive approach. The research sample used the probability sampling method with the results of 278 student respondents. The data analysis technique used path coefficients and smartPLS bootstrapping 3. Based on the results of the analysis, it is known that prestige, discounts, and financial literacy influence the consumer behavior of generation Z in among management students. Therefore, prestige, discounts, and financial literacy can increase generation Z consumer behavior among management students. Seeing the results of this study illustrating students who deepening economic-related science can also be affected and falling in the cycle of cultural cyrocermism and indicate that this consumerism behavior is still attached to generation Z. The future researchers hopes as a student or I can handle the tendency to behave consuming excessively.

The Effect of Total Labor and Availability of Philanthropic Capital on Educated Unemployment in Medan City Putri Ayu Syabrina Siregar; Tri Inda Fadhila Rahma; Aqwa Naser Daulay
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 1 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v4i3.3241

The purpose of this study is to determine the effect of the number of workers and the availability of modes of philanthropy on educated unemployment in Medan City. Due to the close relationship between economic growth and the high percentage of educated unemployment, there are few job prospects and factors that conflict with employment and education. Medan City has a large population, which leads to a high unemployment rate. High school and post-secondary school graduates are the main targets of the educated unemployment rate. This research uses panel data regression analysis using smart PLS application, which is a quantitative research method that takes secondary data from questionnaires to determine how much influence the independent variables have on the dependent variables. Based on the research findings, The number of workers has a large influence on educated unemployment in Medan city. This shows that the number of workers has control over the existing level of educated unemployment. Educated unemployment is strongly influenced by the availability of charity funds. It can be interpreted that the number of educated unemployment is influenced by the availability of charity wealth. The number of educated unemployment in Medan city will decrease in proportion to the amount of charity capital that can be provided by the Medan city region. Educated unemployment is strongly influenced by the number of workers and the availability of charity funds. The level of educated unemployment can be seen to be influenced by the number of workers and the availability of charity resources.

Economic Performance of MSMEs in Medan City: An Evaluation of the E-Catalog Government Policy's Effectiveness Muhammad Rifqi Akbar; Tri Inda Fadhila Rahma; Nurul Jannah
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 2 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v4i3.3783

The Mayor of Medan has launched a policy that fulfills the consumption sector for all activities within the Medan City Government to promote Micro, Small and Medium Enterprises (MSMEs). There are many efforts made by the Medan city government to raise MSMEs in this region. Starting from carrying out many regional events, UMKM bazaars, to the needs in the office area itself using vendors from MSMEs. The research uses a qualitative descriptive method. In this methodology, researchers emphasize the socially constructed nature of reality, the close relationship between the researcher and the subject under study. The data used in this study uses primary data obtained from direct interviews with the Medan City Government and MSME players related to the E-Catalog program to see how effective this system is in developing existing MSMEs. It is concluded that this e-catalog program has not fulfilled all aspects of the effectiveness of the theory. Where there are 5 theories of the effectiveness of the success of government programs that can be assessed from the success of the program, the success of the target, satisfaction with the program, the level of input and output, and the achievement of overall goals. However, the Medan City Government's program in advancing MSMEs should be appreciated, where this program has a huge impact on increasing MSME turnover and helping several MSMEs survive the Covid-19 pandemic.

Pengaruh Gengsi, Diskon, dan Literasi Keuangan Terhadap Perilaku Konsumerisme Generasi Z di Kalangan Mahasiswa Manajemen Khairani Marpaung; Tri Inda Fadhila Rahma
Cakrawala Repositori IMWI Vol. 6 No. 1 (2023): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v6i1.182

The research objectives were to determine the effect of prestige on consumerism behavior of generation Z in management students, to determine the effect of discounts on consumer behavior of generation Z on management students, to determine the effect of financial literacy on consumer behavior of generation Z among management student. This type of research is quantitative with a descriptive approach. The research sample used the probability sampling method with the results of 278 student respondents. The data analysis technique used path coefficients and smartPLS bootstrapping 3. Based on the results of the analysis, it is known that prestige, discounts, and financial literacy influence the consumer behavior of generation Z in among management students. Therefore, prestige, discounts, and financial literacy can increase generation Z consumer behavior among management students. Seeing the results of this study illustrating students who deepening economic-related science can also be affected and falling in the cycle of cultural cyrocermism and indicate that this consumerism behavior is still attached to generation Z. The future researchers hopes as a student or I can handle the tendency to behave consuming excessively.

Evaluation of Management Strategy in Increasing the Competitiveness of MSMEs at the Cooperative and MSME Service Sri Indah Ayu Permata Sari; M. Ikhsan Harahap; Tri Inda Fadhila Rahma
Urwatul Wutsqo: Jurnal Studi Kependidikan dan Keislaman Vol. 14 No. 3 (2025): Sociocultural Islamic Education
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat (LP3M) IAI Al Urwatul Wutsqo - Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54437/urwatulwutsqo.v14i3.2592

To analyze the management strategies implemented by the Cooperatives and SMEs Office of Batu Bara Regency in improving the competitiveness of Micro, Small, and Medium Enterprises (MSMEs). This study also aims to examine three main aspects of management strategies: marketing strategies, financial strategies, and human resources (HR) strategies, to determine the effectiveness of their implementation in supporting the development of MSMEs in the region. The methodology used in this study is a qualitative approach with descriptive methods. The types of evidence used in this study include primary and secondary data. Primary data were obtained through in-depth interviews and direct observation of employees of the Cooperatives and SMEs Office of Batu Bara Regency and assisted MSMEs, while secondary data came from office documents, activity reports, and literature related to MSME development policies. All data were analyzed descriptively through the stages of data reduction, data presentation, and drawing conclusions to obtain a comprehensive picture of the management strategies implemented in improving the competitiveness of MSMEs. The findings indicate that the marketing strategy focuses on digital marketing training but lacks ongoing mentoring. The financial strategy facilitates business legality and access to financing, but faces structural and literacy barriers. Human resource training improves technical skills but remains inconsistent. Overall, management strategies are not fully aligned with the needs of MSMEs.

Analysis of The Effectiveness and Accuracy of A Production System Based on Demand Forecasting in Reducing Excess Stock M. Riyan Dirgantara; Tri Inda Fadhila Rahma; Juliana Nasution
Urwatul Wutsqo: Jurnal Studi Kependidikan dan Keislaman Vol. 14 No. 3 (2025): Sociocultural Islamic Education
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat (LP3M) IAI Al Urwatul Wutsqo - Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54437/urwatulwutsqo.v14i3.2601

This study analyzes the effectiveness and accuracy of a demand forecasting based production system to reduce excess stock at the Ayam Geprek Bu Novi culinary business on Jl. Bukit Barisan. Using a quantitative approach, the research applies time series forecasting techniques consisting of Moving Average (MA), Weighted Moving Average (WMA), and Exponential Smoothing (ES). Weekly demand data from February to May 2025 were collected and analyzed to measure prediction accuracy and to evaluate the impact on raw material efficiency. The results show that the 3 week WMA method provides the highest responsiveness to rising demand trends and produces forecasts that are closest to actual sales. In comparison, the 6 week MA method and ES with alpha 0.2 provide more stable performance when demand fluctuations are relatively low. The application of these simple Excel based forecasting models enables micro, small, and medium culinary enterprises (MSMEs) to align production more accurately with actual demand, thereby reducing overstock and improving operational efficiency. This study demonstrates that data driven decision making using easy to use forecasting tools can support MSMEs in optimizing inventory control and maintaining production sustainability. The findings offer practical insights for small fast food businesses that need adaptive inventory management solutions without complex systems or high implementation costs.

Analysis of the Implementation of Productive Sharia Fintech Financing for MSMEs in Increasing the Economic Independence of Communities in Indonesia Farhan Syafiq; Tri Inda Fadhila Rahma; Muhammad Syahbudi
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3399

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in supporting Indonesia's economic growth through job creation, increased community income, and strengthening the local economy. However, limited access to capital, low financial literacy, and business management constraints remain obstacles for some MSMEs in developing their businesses. This study aims to analyze the implementation of productive Islamic financing in supporting MSME development and encouraging increased economic independence for communities in Indonesia using a Systematic Literature Review (SLR) approach. Data were obtained from various scientific literature in the form of relevant national and international journals, then analyzed using qualitative descriptive methods to identify patterns, relationships, and previous research findings related to Islamic financing and MSMEs. The study results indicate that Islamic financing has a positive contribution in helping MSMEs gain access to capital through mechanisms based on the principles of fairness, cooperation, and risk sharing. This financing not only helps increase production capacity and business development but also plays a role in creating sustainable economic independence for communities. Furthermore, the development of financial technology such as Islamic fintech presents new opportunities to expand access to financing for MSMEs. However, the implementation of Islamic financing still faces several challenges, such as low Islamic financial literacy, limited access to formal financial services, and suboptimal business fund management. Therefore, increased financial education, business mentoring, the use of digital technology, and collaboration between the government, Islamic financial institutions, and MSMEs are needed to ensure that Islamic financing can become a more effective, inclusive, and sustainable economic empowerment instrument in Indonesia.

Business Incubator Model in Higher Education: The Role of Islamic Finance Tri Inda Fadhila Rahma; Nurbaiti; Siti Aisyah
Journal of Islamic Economics and Finance Studies Vol 6 No 2 (2025): JIEFeS, December 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v6i2.11101

The increasing unemployment rate among university graduates in Indonesia highlights the urgent need for higher education institutions to play an active role in fostering entrepreneurship. Business incubators (Inbis) have emerged as strategic initiatives to support students in developing entrepreneurial skills, accessing funding, and establishing sustainable startups. This study examines the role of business incubators in universities and the contribution of Islamic finance in supporting their growth. The research employs a benchmarking method by analyzing incubator programs at Universitas Brawijaya, Universitas Airlangga, and Universitas Negeri Surabaya. Findings indicate that university-based business incubators not only facilitate entrepreneurial education but also serve as financial and networking hubs that connect startups with potential investors. Additionally, Islamic finance provides alternative funding models, such as mudharabah and musyarakah, ensuring ethical financial practices that align with Sharia principles. The integration of business incubators and Islamic finance strengthens the entrepreneurial ecosystem in higher education, fostering financial independence among graduates while contributing to national economic development. Meningkatnya tingkat pengangguran di kalangan lulusan perguruan tinggi di Indonesia menunjukkan perlunya peran aktif perguruan tinggi dalam mendorong pengembangan kewirausahaan. Inkubator bisnis (Inbis) telah muncul sebagai inisiatif strategis untuk membantu mahasiswa mengembangkan keterampilan kewirausahaan, memperoleh akses pendanaan, dan membangun startup yang berkelanjutan. Penelitian ini mengkaji peran inkubator bisnis di perguruan tinggi serta peran Keuangan Syariah dalam mendukung pertumbuhannya. Penelitian ini menggunakan metode benchmarking dengan menganalisis program inkubator di Universitas Brawijaya, Universitas Airlangga, dan Universitas Negeri Surabaya. Temuan penelitian menunjukkan bahwa inkubator bisnis berbasis kampus tidak hanya memfasilitasi pendidikan kewirausahaan, tetapi juga berfungsi sebagai pusat pendanaan dan jaringan yang menghubungkan startup dengan calon investor. Selain itu, pembiayaan syariah menyediakan model pendanaan alternatif, seperti mudharabah dan musyarakah, yang memastikan praktik keuangan etis yang sesuai dengan prinsip-prinsip syariah. Integrasi antara inkubator bisnis dan pembiayaan syariah memperkuat ekosistem kewirausahaan di perguruan tinggi, mendorong kemandirian finansial lulusan, serta berkontribusi pada pembangunan ekonomi nasional.

Evaluation of Generation Z’s Interest in Medan City in Choosing Study Programs and Careers in the Sharia Insurance Sector Muzkiati Muzkiati; Aqwa Naser Daulay; Tri Inda Fadhila Rahma
Research Horizon Vol. 6 No. 3 (2026): Research Horizon - Juni 2026
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.6.3.2026.1460

The rapid growth of the Islamic financial industry has increased the demand for graduates with competencies in Sharia Insurance. However, Generation Z’s interest in choosing the Islamic Insurance Study Program and pursuing careers in the sector remains relatively limited. This study aimed to explore how Generation Z’s interest develops and identify the factors influencing their educational and career decisions through the perspective of the Theory of Planned Behavior. An exploratory qualitative approach was employed using focus group discussions involving fifteen participants selected through purposive sampling, consisting of prospective students, current students, and fresh graduates of the Islamic Insurance Study Program. Data were analyzed using thematic analysis through data reduction, coding, categorization, and theme development. The findings reveal that interest develops progressively across three stages: awareness, study-to-career transition, and career realization. At the awareness stage, educational interest is influenced by literacy, information exposure, and career perceptions. During university, practical learning experiences, competency development, and career exploration shape students’ career interests, while among graduates, career realization is characterized by adaptability and flexible career orientations. The findings indicate attitudes, subjective norms, and perceived behavioral control interact dynamically in influencing educational and career decisions.

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