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All Journal Enrichment : Journal of Management Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) International Journal of Applied Finance and Business Studies Journal of Artificial Intelligence and Engineering Applications (JAIEA) Indonesia Auditing Research Journal
Selfira Yap
STMIK Kaputama
Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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An Effect of Product Quality, Price, and Word of Mouth on Buying Interest : A case of Tretes Porridge in Binjai Selfira Yap; M Umar Maya Putra; Syafrida Damanik
Enrichment : Journal of Management Vol. 12 No. 5 (2022): December: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v12i5.912

Abstract

Small and medium enterprises (SMEs) is one of the supporting economic growths of a region. Small and medium size business can be developed by increasing the buying interest of the people around. Buying interest is the desire that arises from consumers to a product as a result of the consumer's observation of a product. This research is quantitative research with a sample of 109 respondents. This study focuses on the effect of product quality, price, and word of mouth on interest buying : a case of Bubur Tretes Binjai. This research was conducted in Binjai . The population of this study is the customer of Bubur Tretes that is located in Binjai. The researcher concluded that taking a sample of 109 respondents. Primary data were gathered by using questionnaires. The data were analyzed by using structural equation modeling-partial least squares (SEM-PLS) with SmartPLS software. The result of this study indicated that the variable product quality (X1) partially had a significant effect on buying interest, the price variable (X2) partially had not significant effect on buying interest, and word of mouth variable (X3) partially had a significant effect on buying interest. Simultaneously, product quality, price , and word of mouth influence buying interest on the traditional product of Bubur Tretes in Binjai. From the results of data processing, it was found that the coefficient of determination was 69.2% which indicates that X1, X2, and X3 together were able to influence Y by 69.2% with a moderate category, the remaining 30.8% was influenced by other factors.
Strategi Pemasaran dan Kualitas Produk Terhadap Keputusan Pembelian Produk Pada PT. Cahaya Alam Sejati Mhd Naufal Syauqi; Putra; Sukarsih; Selfira
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Vol. 3 No. 2 (2023): Article Research Volume 3 Issue 2, July 2023
Publisher : ITScience (Information Technology and Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v3i2.2639

Abstract

Tujuan penelitian ini untuk mengetahui pengaruh strategi pemasaran dan kualitas produk terhadap keputusan pembelian pada PT Cahaya Alam Sejati. Populasi yang digunakan sebagai bahan penelitian ini adalah costumer yang pernah membeli dan berjumlah 115 costumer, sampel penelitian diambil dengan menggunakan rumus slovin, berjumlah 53 sampel responden yang digunakan. Data yang digunakan adalah data primer, penelitian ini menganalisis hubungan antara strategi pemasaran dan kualitas produk terhadap keputusan pembelian. Metode statistik yang digunakan adalah regresi linier berganda (multiliniear regression analisys) dengan pendekatan kuantitatif menggunakan uji asumsi klasik terlebih dahulu. Hasil penelitian ini menunjukkan bahwa secara parsial variabel strategi pemasaran (X1) tidak berpengaruh dan tidak signifikan terhadap keputusan pembelian (Y), ditunjukkan dengan nilai thitung 1,315 < ttabel 2,008 dengan signifikansi 0,195 > 0,05. Secara parsial harga (X2) berpengaruh positif dan signifikan terhadap keputusan pembelian (Y), ditunjukkan dengan nilai thitung 4,469 > ttabel 2,008 dengan signifikansi 0,000 < 0,05. Sedangkan secara simultan baik strategi pemasaran (X1) dan kualitas produk (X2) berpengaruh positif dan signifikan terhadap penjualan dengan nilai Fhitung 17,016 > Ftabel 3,18 dengan signifikansi 0,000 < 0,05
Sentiment Analysis of Social Media X Users Toward Finance Minister Purbaya Yudhi Sadewa Using the Support Vector Machine Algorithm Adian Fahreza Surbakti; Relita Buaton; Selfira
Journal of Artificial Intelligence and Engineering Applications (JAIEA) Vol. 5 No. 3 (2026): June 2026
Publisher : Yayasan Kita Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59934/jaiea.v5i3.2228

Abstract

In this digital era, the rapid advancement of information and communication technology has transformed social media platforms particularly X (formerly Twitter) into a primary space for public discourse concerning government policies. The Minister of Finance, Purbaya Yudhi Sadewa, has become a focal point of public debate, garnering reactions ranging from appreciation to criticism regarding his management of national finances. However, manual sentiment analysis is impractical, time-consuming, and prone to subjectivity when handling the massive and continuously expanding volume of social media data. Therefore, an automated, machine learning-based approach is essential to process this big data into strategic insights for mapping public sentiment. This study aims to objectively analyze public sentiment toward the Minister of Finance by implementing the Support Vector Machine (SVM) algorithm within the CRISP-DM (Cross-Industry Standard Process for Data Mining) framework. The methodology includes data crawling, text preprocessing, and feature extraction using the TF-IDF (Term Frequency – Inverse Document Frequency) method. Analysis of 3,927 tweets reveals that public opinion is dominated by negative sentiment at 54.2%, followed by positive sentiment at 36.9% and neutral sentiment at 8.9%. The developed SVM model achieved a classification accuracy of 72.43%, demonstrating that this machine learning approach is both effective and reliable for mapping public perception. These findings indicate that the Minister of Finance, Purbaya Yudhi Sadewa, faces significant public scrutiny, and this data-driven analysis serves as a strategic tool for evaluating the policies under his administration.
Financial capability, coping strategy, and MSME resilience Selfira Selfira; Adek Maulidya; Hidayah Yoanna Putri
Indonesia Auditing Research Journal Vol. 15 No. 2 (2026): June: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v15i2.705

Abstract

The research investigates how financial capability contributes to the economic resilience of flood-affected MSME households, with coping strategies serving as an intervening mechanism in the relationship. Financial capability is conceptualized through four dimensions: financial knowledge, financial attitude, financial behavior, and financial skills. Using a quantitative survey framework, data were obtained from MSME households experiencing the impacts of flooding. The relationships among the study constructs were subsequently evaluated using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that each dimension of financial capability contributes to the development of coping strategies. Financial behavior exhibited the largest contribution, while financial knowledge, financial skills, and financial attitude showed comparatively smaller effects. Coping strategy significantly contributes to economic resilience, indicating its role as an adaptive mechanism in responding to economic shocks. Furthermore, flood impact has a substantial effect on economic resilience, highlighting the importance of disaster-related factors in shaping household economic outcomes. The findings support the Behavioral Finance perspective, suggesting that actual financial practices are more influential than financial knowledge alone in strengthening resilience. This research extends existing knowledge by positioning coping strategy as a mechanism linking financial capability and economic resilience among MSME households. The findings imply that policies aimed at improving MSME resilience should focus not only on financial assistance but also on strengthening financial capability and disaster-adaptive behavior.
The urgency of financial literacy and inclusion in managing finances of STMIK Kaputama students Selfira Selfira
International Journal of Applied Finance and Business Studies Vol. 13 No. 1 (2025): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i1.346

Abstract

This research investigates the impact of financial inclusion and financial literacy on financial management through the Structural Equation Modeling Partial Least Squares (SEM-PLS) method. The analysis involved evaluating the reliability, validity, and structure of the model. Results from the reliability tests indicated that all constructs fulfilled the necessary criteria, with composite reliability values surpassing 0.84 and Cronbach’s alpha confirming sufficient internal consistency. Convergent validity was supported by AVE values exceeding 0.65, while discriminant validity yielded mixed outcomes. The Fornell-Larcker Criterion revealed a potential overlap between financial inclusion and financial literacy constructs. The path coefficient analysis demonstrated that financial inclusion had a significant and positive influence on financial management (β = 0.394, p = 0.017), whereas financial literacy did not produce a statistically significant effect (β = 0.083, p = 0.561). These results imply that access to financial services has a more immediate impact on effective financial management than financial knowledge alone. The study emphasizes the importance of practically applying financial literacy to strengthen its effectiveness.
Co-Authors Adek Maulidya Adian Fahreza Surbakti Buaton, Relita Hidayah Yoanna Putri Mhd Naufal Syauqi Muhammad Umar Maya Putra Putra Sukarsih Syafrida Damanik