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All Journal Jurnal Ekuivalensi GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Jurnal Kolaboratif Sains Jurnal WIDYA LAKSMI (Jurnal Pengabdian Kepada Masyarakat) NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Nanggroe: Journal Of Scholarly Service ULINA: Jurnal Pengabdian kepada Masyarakat Nanggroe: Journal of Scholarly Service Jurnal Pengabdian Masyarakat Mandira Cendikia (JPKM-MC) Journal of Business Integration Competitive International Journal of Economics and Management Research
Devia Febrina
Institut Bisnis Informasi Teknologi Dan Bisnis
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Other

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Exploring the Mediating Role of Fintech Adoption in Reducing Perceived Risks and Promoting SME Sustainability Adi Harianto; Devia Febrina; nasib, nasib; Ratih Amelia; Muhammad Fathoni
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.541

Abstract

This study examines the role of fintech adoption in mediating the relationship between perceived risk and business sustainability in Small and Medium Enterprises (SMEs) in Samosir Regency. Using a quantitative approach with data analyzed through Structural Equation Modeling (SEM), the study finds that fintech adoption significantly reduces the perceived risks faced by SME owners, which in turn contributes to long-term business sustainability. Digital technologies such as electronic payment systems, peer-to-peer lending platforms, crowdfunding, and mobile banking have proven to enhance operational efficiency, expand market reach, and improve financial transparency and control. These benefits help SMEs build resilience and competitiveness, especially in rural areas like Samosir where access to conventional financial services is limited. Despite the potential benefits, challenges such as limited technological knowledge, digital infrastructure gaps, regulatory uncertainty, and the lack of skilled human resources remain major barriers to effective fintech implementation. The study highlights that the role of government and stakeholders is vital in creating an enabling environment for fintech adoption. This includes policies that encourage innovation, facilitate access to digital infrastructure, provide education and training to increase digital literacy, and foster partnerships between SMEs and fintech service providers. Additionally, support from local communities and continuous awareness campaigns can further reduce resistance to change and increase trust in digital financial solutions. Overall, this research emphasizes that fintech adoption plays a crucial role in not only mitigating business risks but also supporting the long-term sustainability and growth of SMEs in the digital era.
Pelatihan UMKM Di Kelurahan Helvetia Timur Elyzabeth Wijaya; Ester; Tina Linda; Devia Febrina; Agus Susanto
Jurnal Pengabdian Masyarakat Mandira Cendikia Vol. 3 No. 1 (2024)
Publisher : YAYASAN PENDIDIKAN MANDIRA CENDIKIA

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Abstract

Usaha mikro kecil dan menengah (UMKM) memiliki peran penting bagi suatu negara. Keberadaan UMKM akan memberiakan sumbangsih terhadap peningkatan pertumbuhan dan perkembangan ekonomi suatu negara. UMKM muncul dari orang-orang yang memiliki inisitif dan keberanian dalam mendirikan usaha atau bisnis. Jumlah UMKM di Indonesia terus mengalami peningkatan termasuk di provinsi Sumatera khususnya di kelurahan Helvetia Timur. Banyak potensi yang ada di kelurahan Helvetia Timur yang bisa dimanfaatkan untuk diolah menjadi kegiatan bisnis atau usaha. Untuk menciptakan peluang usaha baru maka diperlukan orang-orang kreatif dan inovatif dalam mengembangkan bisnisnya. Pengabdian ini bertujuan untuk memberiakan motivasi kepada masyarakat agar tertatik untuk mengembangkan potensi yang dimilinya agar dapat menciptakan dan mengembangkan kegiatan usaha atau bisnis baru.
The Impact of Brand Personality towards Customer Loyalty at Pt. Agro Makmur Raya Medan : Pengaruh Kepribadian Merek Terhadap Loyalitas Pelanggan Pada Pt. Agro Makmur Raya Medan Tina Linda; Devia Febrina; Jung Sen; Kuandi Chandra; Jimmy Kelana
Jurnal Kolaboratif Sains Vol. 7 No. 2: FEBRUARI 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (176.503 KB) | DOI: 10.56338/jks.v2i1.640

Abstract

The aim of this research is to analyse the impact of brand personality towards customer loyalty at PT. Agro Makmur Raya, Medan. The research method that the writer use is descriptive method and correlative research. To answer the problem, data is collected by questionnaire to 50 respondents that consist of the customers of PT. Agro Makmur Raya. The SPSS Version 22 is to use to test the data. The writer uses some methods to analyse the data gained, such as: validity, reliability, descriptive method, normality test, correlation test, regression equation, determination of coefficient analysis and z test. Based on the SPSS Version 22 analysis, some conclusions can be made, i.e: 10 questionnaires that the writer use have a good data of reliability and the data are normally distributed. While the correlation test found that the brand personality has strong and positive impact towards customer loyalty at PT. Agro Makmur Raya, Medan. For the determination of variable x and variable y is 76.6% shows that the value of customer loyalty is impact by the value of brand personality. From the test of hypothesis, we can found that for the Alternative hypothesis (Ha) is accepted and null hypothesis (Ho) is rejected. Based on the result of the analysis, it is concluded that there is impact between brand personality and customer loyalty at PT. Agro Makmur Raya, Medan.
Co-Authors Abdul Aziz Adi Harianto Agus Susanto Ahmad Fadli Albert Albert Albert Albert Debora Tambunan Djohan, Deva Duffin Ester Harahap, Taufiq Heni Pujiastuti Ika Puspa Satriany Jimmy Kelana Jung Jung Sen Kuandi Chandra Lidia Berliana Siboro Manda Dwipayani Bhastary Martin Mega Hernawati Harefa Mega Sanjaya Muhammad Fathoni Nasib Novirsari, Emma Puspita Dewi Rafika Sari Br Sembiring Ratih Amelia Robin Robin Robin, Robin Satriany, Ika Puspa Sen, Jung Susamto S Tamba, Iventura Thamrin Thamrin Tina Linda Tina Linda Viktor Saputra Ginting Wijaya, Elyzabeth Yogi Putra