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All Journal REMIK : Riset dan E-Jurnal Manajemen Informatika Komputer Oikonomia : Journal of Management Economics and Accounting
Daru Putri Kusumaningtyas
Universitas Negeri Jakarta
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Kontribusi Pembiayaan, NPF, dan Perkembangan Bank Syariah serta Digitalisasi terhadap Peningkatan UMKM di Indonesia Puji Yuniarti; Fitra Dila Lestari; Daru Putri Kusumaningtyas
REMIK: Riset dan E-Jurnal Manajemen Informatika Komputer Vol. 7 No. 3 (2023): Volume 7 Nomor 3 Agustus 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/remik.v7i3.12872

Abstract

Penelitian yang berjudul kontribusi pembiayaan, NPF, dan perkembangan bank syariah serta digitalisasi pada peningkatan UMKM di Indonesia. Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan, NPF, dan banyaknya unit pelayanan syariah (UPS) bank syariah terhadap peningkatan jumlah UMKM di Indonesia serta untuk mengetahui teknologi digital yang sesuai dan efektif dikembangkan pada UMKM di Indonesia. Jenis penelitian ini menggunakan penelitian deskriptif kuantitatif dan kualitatif. Metode pengumpulan data menggunakan data sekunder dari Otoritas Jasa Keuangan dan berbagai literasi yang sudah dipublikasikan. Variabel-variabel yang digunakan meliputi pembiayaan (X1), NPF (X2), UPS bank syariah (X3), dan jumlah UMKM (Y). Analisis data menggunakan regresi berganda model OLS dengan tingkat signifikan 5%. Hasil dari penelitian menunjukkan bahwa variabel yang berpengaruh positif dan signifikan adalah NPF (X2) Sedangkan pembiayaan (X1) dan UPS bank syariah (X3) tidak berpengaruh terhadap peningkatan jumlah UMKM di Indonesia. variabel-variabel independen (pembiayaan, NPF, dan UPS bank syariah) memberikan pengaruh sebesar 59,9% terhadap peningkatan jumlah UMKM. Selanjutnya, penerapan aplikasi Smart Dashboard akan mampu memberikan solusi serta rekomendasi yang tepat dalam menjamin keberlangsungan dan kesuksesan UMKM menuju bisnis digital
The Impact of Social Media on Consumer Shopping Habits among Teenagers Sugiyono Sugiyono; Daru Putri Kusumaningtyas
Oikonomia : Journal of Management Economics and Accounting Vol. 2 No. 1 (2024): Oikonomia-December
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v2i1.268

Abstract

The development of social media has changed shopping habits, especially among teenagers who are the digital native generation. This study aims to examine the influence of social media on teenagers' consumption behavior, focusing on the role of influencers, the Fear of Missing Out (FOMO) phenomenon, and the contradiction between environmental awareness and the tendency to follow fast fashion trends. Social media, particularly platforms such as Instagram, TikTok and YouTube, have become a major factor influencing teenagers' shopping decisions, where they feel compelled to follow trends promoted by influencers or celebrities. FOMO is a key driver that makes teens feel compelled to buy the latest products to avoid feeling isolated. However, although many teenagers are aware of the importance of sustainability, they remain trapped in the habit of fast fashion that offers cheap products with rapidly changing designs. This research uses a qualitative approach with a case study method, involving in-depth interviews, Focus Group Discussions (FGDs), participatory observation, and document study. The results show that social media not only shapes teenagers' shopping habits, but also reinforces social norms that link consumption with social status. This research provides insights into the dynamics of teenagers' consumption in the digital era, especially related to the contradiction between the desire to be more eco-conscious and the urge to follow consumptive trends
Co-Authors Puji Yuniarti Sugiyono Sugiyono