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The Role of Microfinance and Banking Services in Supporting Tourism-Based SMEs in Pematang Johar Petrus Loo; Sipnarong Kanchawongpaisan; Muhammad Hafiz Abd Rashid; Phan Bao Giang; Suriani Suriani; Ridwan Nurdin; Nabilla Dwi Puspitasari
Eastasouth Journal of Positive Community Services Vol 4 No 01 (2025): Eastasouth Journal of Positive Community Services (EJPCS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejpcs.v4i01.439

Abstract

Access to finance remains a critical challenge for rural Small, and Medium Enterprises (SMEs), especially those engaged in tourism-based economic activities. This community service project aimed to strengthen the financial literacy and banking inclusion of tourism-related SMEs in Pematang Johar Village, Deli Serdang Regency, Indonesia. The program introduced practical training on microfinance mechanisms, digital banking tools, and savings–loan schemes tailored to small entrepreneurs. The activity adopted a participatory service-learning approach involving 35 SMEs participants, local tourism operators, and village officials. The results demonstrated a 60% increase in participants’ understanding of microfinance systems, and 72% of participants opened new banking or digital wallet accounts after the training. The program shows that inclusive financial education and collaboration with local banking institutions can empower rural entrepreneurs and enhance the sustainability of tourism-based economic ecosystems.
The Making Menir as Fortified Rice Milk: A Healthy and Economical Innovation of the Housewife’s Pioneering Business: Menir Jadi Susu Beras Fortifikasi: Inovasi Sehat dan Ekonomis Dalam Upaya Rintisan Usaha Ibu Rumah Tangga Elisabeth Nainggolan; Petrus Loo; Susan Grace Nainggolan
JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Vol. 9 No. 4 (2025): Jati Emas (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat)
Publisher : DPD Jatim Perkumpulan Dosen Indonesia Semesta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This community service activity was organized by the PKM team from the Eka Prasetya College of Economics. The activity took the form of a training workshop on making groats into fortified milk for the PKK (Family Welfare Movement) women's group in Pematang Johar Village. This community service activity was carried out to increase knowledge about creative economic innovations and improve innovative skills in creating creative economic products by utilizing the potential of local resources. Groats into fortified milk has the potential to be an alternative food with added value and economic potential because it can be developed into a business. The results of this community service activity are ready-to-sell fortified groats milk products. This product opens up business opportunities that can have an impact on increasing household income.
SYSTEMATIC LITERATURE REVIEW: ENHANCING STUDENTS' DIGITAL LITERACY AND DIGITAL COMPETENCY THROUGH TECHNOLOGICAL INNOVATIONS IN HIGHER EDUCATION Afrizal; Albert Herlambang; Claudie Tiofanny; Petrus Loo
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 1 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i1.2520

Abstract

This article explores the enhancement of students' digital literacy and competencies through technological innovation in higher education. Digital transformation has reshaped the way teaching and learning occur, particularly with the implementation of artificial intelligence, virtual reality, and digital learning platforms. This literature review spans research from 2019 to 2023, highlighting the impact of the COVID-19 pandemic, the role of technology in distance learning, and the challenges of integrating technology into educational institutions. The research findings indicate that technological innovation in higher education has the potential to improve students' digital literacy and competencies, although infrastructure challenges and institutional readiness remain significant barriers.
LITERATURE REVIEW: PENGARUH OMNICHANNEL EXPERIENCE DAN SERVICE QUALITY TERHADAP CUSTOMER SATISFACTION PADA KONSUMEN RITEL MODERN DI INDONESIA Angelica; Feby Audrey; Petrus Loo
Journal of Golden Generation Economic Vol. 2 No. 2 (2026): In Progress 2026: Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v2i2.759

Abstract

Penelitian ini dilatarbelakangi oleh inkonsistensi temuan penelitian sebelumnya terkait hubungan omnichannel experience dan customer satisfaction. Penelitian ini bertujuan mengkaji pengaruh omnichannel experience dan service quality terhadap customer satisfaction pada ritel modern di Indonesia menggunakan metode kualitatif melalui Systematic Literature Review (SLR). Data diperoleh dari jurnal ilmiah dan buku melalui tahapan identifikasi, seleksi, ekstraksi, sintesis, dan penarikan kesimpulan. Hasil menunjukkan bahwa omnichannel experience dan service quality masing-masing berpengaruh positif dan signifikan terhadap kepuasan konsumen. Secara simultan, keduanya menjadi faktor utama dalam meningkatkan kepuasan konsumen ritel modern.
Analysis Of Fintech Payment Apps And Hedonistic Lifestyle On The Impulsive Buying Habits To UNPRI Students (Impact On Online Shopping Habits): Analisis Financial Technology dan Lifestyle Hedonis Terhadap Kebiasaan Impulsive Buying Mahasiswa UNPRI (Dampak Terhadap Kebiasaan Belanja Online) Caroline Fransisca; Petrus Loo
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.303

Abstract

Motivated by the growing adoption of financial technology and the rise of hedonistic lifestyles among students, this research aims to analyze the effect of financial technology and hedonistic lifestyles on the impulsive buying habits of students at Universitas Prima Indonesia (UNPRI) Medan. This study employs a quantitative approach using a Using a quantitative survey of 100 Management students of Universitas Prima Indonesia (UNPRI) Medan selected via incidental sampling, considering the characteristics of Generation Z, selected through incidental sampling techniques. The analysis results indicate that financial technology and hedonistic lifestyle have a positive and significant impact on impulsive buying. The R² value of 0.482 indicates that 48.2% % of the variance in impulsive buying is explained by these predictors, with effect sizes of 0.111 (fintech, weak) and 0.215 (hedonistic lifestyle, moderate). We recommend enhancing financial literacy programs and embedding budget‑reminder features in fintech apps to curb impulsive spending, while future research can examine moderators such as emotional intelligence and peer influence
Analyzing the Impact of TikTok-Video Content Marketing Strategy and Entrepreneur Personal Branding on Consumer Purchase Intention in the Used Car Market: A Case Study of Mestika Jaya Mobil Showroom: Menganalisis Dampak Strategi Pemasaran Konten Video TikTok dan Personal Branding Pelaku Usaha terhadap Minat Beli Konsumen di Pasar Mobil Bekas: Studi Kasus Showroom Mestika Jaya Mobil Wilson Wiranata; Petrus Loo; Jupert Jasser Abellana; Abdullah Sirad
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.306

Abstract

The development of digital marketing has encouraged used car businesses to leverage social media, particularly TikTok. This study aims to analyze the influence of content marketing and personal branding on purchase intention for used cars at Mestika Jaya Mobil Showroom, Medan. The research design employed a descriptive quantitative approach with a sample of 100 respondents obtained through purposive sampling. Data were collected using a five-point Likert scale questionnaire and analyzed through multiple linear regression using SPSS, accompanied by validity and reliability tests, classical assumption tests, t-tests, F-tests, and the coefficient of determination. The findings reveal that content marketing and personal branding significantly affect purchase intention, both individually and simultaneously. The model explains 74.2% of the variance in purchase intention. These results highlight the effectiveness of content marketing strategy through TikTok and entrepreneurs’ personal branding in enhancing purchase intention in the used car market. This study offers practical insights for used car businesses to optimize their marketing strategies.
The Influence of Content Marketing Strategy and Promotion on Customer Loyalty at TOP Advertising: Pengaruh Strategi Konten Marketing dan Promosi terhadap Loyalitas Pelanggan di TOP Advertising Deric Vesuvius; Petrus Loo
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.330

Abstract

This study aims to analyze the influence of Content Marketing Strategy and Promotion on Customer Loyalty at TOP Advertising. This study uses a quantitative method with primary data obtained through distributing questionnaires to 126 respondents using a saturated sample method. Data analysis was carried out using descriptive statistics, classical assumption tests, multiple linear regression, partial tests (t-tests), simultaneous tests (F-tests), and coefficient of determination (R²) tests. The results show that Marketing Strategy has a positive and significant effect on Customer Loyalty with a t-value of 1.660 > t-table 1.657 and a significance level of 0.000 < 0.05. This finding is in line with the research of Setiayasa et al. (2024) and Darado et al. (2023) which also stated that Marketing Strategy has a significant effect on Customer Loyalty. Meanwhile, Promotion does not have a significant effect on Customer Loyalty, with a t-value of 0.843 < t-table 1.657 even though it has a significance level of 0.000 < 0.05. Simultaneously, Marketing and Promotion Strategy does not have a significant effect on Customer Loyalty, indicated by the Fcount value of 1.770 < Ftable 3.07 with a significance of 0.000 < 0.05. The results of the determination coefficient (R²) test of 0.427 indicate that 42.7% of the variation in Customer Loyalty can be explained by Marketing and Promotion Strategy, while the remaining 57.3% is influenced by other factors outside this study, such as service quality, trust, and customer satisfaction.
LITERATURE REVIEW: PENGARUH OMNICHANNEL EXPERIENCE DAN SERVICE QUALITY TERHADAP CUSTOMER SATISFACTION PADA KONSUMEN RITEL MODERN DI INDONESIA Angelica; Feby Audrey; Petrus Loo
Journal of Golden Generation Economic Vol. 2 No. 2 (2026): Agustus : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v2i2.759

Abstract

Penelitian ini dilatarbelakangi oleh inkonsistensi temuan penelitian sebelumnya terkait hubungan omnichannel experience dan customer satisfaction. Penelitian ini bertujuan mengkaji pengaruh omnichannel experience dan service quality terhadap customer satisfaction pada ritel modern di Indonesia menggunakan metode kualitatif melalui Systematic Literature Review (SLR). Data diperoleh dari jurnal ilmiah dan buku melalui tahapan identifikasi, seleksi, ekstraksi, sintesis, dan penarikan kesimpulan. Hasil menunjukkan bahwa omnichannel experience dan service quality masing-masing berpengaruh positif dan signifikan terhadap kepuasan konsumen. Secara simultan, keduanya menjadi faktor utama dalam meningkatkan kepuasan konsumen ritel modern.
Digital HRM Transformation Improves Employee Performance through Digital Competence Irvan Rolyesh Situmorang; Petrus Loo
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1095

Abstract

Purpose – This study investigates how digital transformation in human resource management contributes to employee performance by emphasizing the role of digital competence within organizational work systems. The study is conducted in the context of organizations in Medan that have increasingly adopted digital-based HR practices. Design/methodology/approach – A quantitative explanatory approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected through questionnaires distributed to employees who had experience using digital HR systems, including electronic attendance, online training platforms, and digital performance evaluation systems. Finding/Results – The findings demonstrate that digital HRM transformation positively influences employee digital competence and employee performance. Digital competence also shows a significant contribution to improving employee performance. In addition, the mediation analysis confirms that digital competence partially mediates the relationship between digital HRM transformation and employee performance, indicating that technological implementation becomes more effective when supported by employees’ digital capabilities. Originality/Value – This study offers a broader understanding of digital transformation by positioning digital competence as a strategic organizational capability rather than merely an individual technical skill. The findings provide practical insights for organizations seeking to align technological transformation with human capability development in order to achieve sustainable performance improvement
Perencanaan Keuangan Keluarga Menuju Kemandirian Ekonomi di Desa Karang Anyar Kecamatan Beringin Kabupaten Deli Serdang Dina Rosmaneliana; Rebecca Evadine; Nikous Soter Sihombing; Monetarist Butar Butar; Togar Timoteus Gultom; Petrus Loo
Jurnal Pengabdian Pada Masyarakat METHABDI Vol 5 No 2 (2025): Jurnal Pengabdian Pada Masyarakat METHABDI
Publisher : Universitas Methodist Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46880/methabdi.Vol5No2.pp225-229

Abstract

Financial planning is an essential foundation to support household economic stability, resilience, and long-term welfare. This community service program aims to provide education, training, and practical guidance on family financial planning for community members, especially housewives. The activity includes knowledge enhancement regarding budgeting, the 50-30-20 allocation principle, debt management, savings and investment strategies, emergency funds, and financial protection. The program was carried out through workshops, interactive counseling, and practice sessions using simple financial tools. The results show that participants experienced an increase in understanding and skills in managing household finances, were able to create monthly budgets, identify financial leaks, and formulate savings and investment plans. This community service contributes to strengthening family financial independence toward sustainable household welfare.
Co-Authors Abdullah Sirad Afrizal Afrizal Afrizal AFRIZAL AFRIZAL Agam Sinaga Ahmad Junaedi Abas Alfiana Aminuyati Amril Amril Angelica Angelica Asianna Martini Simarmata Asliza Yusoff Budi Raharjo, Teguh Caroline Fransisca Charles Jhony Mantho Sianturi, Charles Jhony Mantho Claudie Tiofanny Darmawati Darmawati Dedy Lazuardi Deric Vesuvius Desma Erica Maryati Manik Dewantara, Nowell Dewi Melati Dian Setyorini Dina Hastalona Dina Rosmaneliana Dina Utami EDY FIRMANSYAH Edy Firmansyah Elisabeth Nainggolan Erbin Sitorus Ersa Tarigan Eva Solita Pasaribu Febri Yanto Zai Feby Audrey Feby Audrey Fitri Cahyani Herlambang, Albert Herni Suryani Hommy Dorothy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hommy Dorthy Ellyany Sinaga Hutabarat, Metyria Imelda Jefri Jemmy Christian Rakinaung Junika Napitupulu Jupert Jasser Abellana Kelly Huang KRISTINA . Linda Wahyu Marpaung Lisa Elianti Nasution Loso Judijanto Luckyanto, Marvin MARDIAH HASANAH NASUTION Marihot Manullang Mashitah Binti Duralim Monetarist Butar Butar Muhammad Hafiz Abd Rashid Muhammad Saleh Nabilla Dwi Puspitasari Nainggolan, Susan G Ngurah Pandji Mertha Agung Durya Nikous Soter Sihombing NIRWANA DEWI HARAHAP Norhaslina BT Asri Novilia, Fitri Nur Fadzillah Binti Jaafar Pane, Yonson Pesta Gultom Phan Bao Giang Pratama Perangin-angin, Muhammad Farid Pratiwi, Dini Pristiyono Putri Wahyu Qadisa Putri Maharani Rahmad Dianta Purba Ramli Semmawi Rebecca Evadine Rebecca Evadine Ridwan Nurdin Rusmin Saragih, Rusmin SALEH SITOMPUL Sihombing, Marto Simarmata, Asiana Sinaga, Hommy Dorthy Ellyany Sipnarong Kanchawongpaisan Sirwindy Situmorang, Frenky Situmorang, Irvan Rolyesh Sri Rezeki Sri Rezeki Sri Rezeki Sri Rezeki Sri Rezeki Suardi Yakub Sujinny, Sujinny Sunday Ade Sitorus Suriani Suriani Susan G.V Nainggolan Susan Grace V Nainggolan Togar Timoteus Gultom Widalicin Januarty William Parlindungan Sihombing Wilson Wiranata Yulianti Hidayah