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All Journal Jurnal EMT KITA Akuntabel : Jurnal Ekonomi dan Keuangan JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) YUME : Journal of Management Journal Of Management Science (JMAS) Jurnal Suluh Pendidikan Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Economics and Digital Business Review Visi Sosial Humaniora Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Ilmu Ekonomi Manajemen dan Akuntansi Jurnal Fokus Manajemen ProBisnis : Jurnal Manajemen Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Balance : Jurnal Akuntansi dan Manajemen Jurnal Pengabdian Masyarakat Bhinneka Golden Ratio of Data in Summary Economics and Business Journal Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Multidisiplin Sahombu Communautaire: Journal of Community Service Journal of Management, Economic, and Accounting Journal of International Multidisciplinary Research Jurnal Ekonomi, Manajemen, Akuntansi
Harefa, Idarni
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Agriculture, Biological Sciences & Forestry Arts Humanities 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 Mathematics Physics Public Health Social Sciences Other

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The Influence of Brand Image on Online Purchase Decisions for Scarlett Students of The Faculty of Economics, University of Nias Baene, Diana Novita; Harefa, Idarni; Waruwu, Meiman Hidayat; Hulu, Fatolosa
Economics and Business Journal (ECBIS) Vol. 4 No. 2 (2026): January
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i2.281

Abstract

This research aims to examine and analyze the influence of brand image on the purchasing decisions of students at the Faculty of Economics, Nias University, in the context of online shopping. The background of this study stems from the rapid growth of e-commerce in Indonesia, which has significantly changed consumer shopping behavior, particularly among students who are highly adaptive to digital technology. In online shopping situations, where consumers cannot physically assess the product, brand image becomes one of the main factors influencing consumer trust, perceived quality, and confidence in making purchasing decisions. The type of research employed is quantitative research with a survey approach. The study population consisted of 1,959 active students of the Faculty of Economics, Nias University, with a sample of 95 respondents determined using the Slovin formula. Data were collected using a Likert-scale questionnaire covering brand image indicators (strength, favorability, and uniqueness of brand association) as well as purchasing decision indicators (problem recognition, information search, evaluation of alternatives, purchase decision, and post-purchase behavior). The data were analyzed using validity and reliability tests, simple linear regression analysis, t-test, and determination test with the aid of SPSS software. The results of the study indicate that brand image has a positive and significant effect on students' purchasing decisions in online shopping. This finding implies that the stronger the brand image, the higher the tendency of students to make online purchases. Therefore, companies or online businesses need to develop and strengthen their brand image through consistent marketing communication strategies, clear product information, and credible brand reputation to increase consumer loyalty and purchase intention.
The Influence of Marketing Communication on Consumer Interest in BNKP PLKTIN Gunungsitoli Lase, Ratna sari; Harefa, Idarni; Mendrofa, Yupiter; Laia, Otanius
Jurnal Multidisiplin Sahombu Vol. 5 No. 08 (2025): Jurnal Multidisiplin Sahombu, December (2025)
Publisher : Sean Institute

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

Abstract

Marketing communication is a means by which companies try to inform, persuade and remind consumers directly or indirectly about the products and brands being marketed.This study aims to determine the effect of marketing communication on consumer interest in PLKT BNKP in Gunungsitoli. Effective marketing communication can increase consumer interest and influence their purchasing decisions. This study uses a quantitative method with data analysis techniques using SPSS to determine how much influence it has. The sample in this study was 30 respondents, namely employees and customers at PLKT. The results of the study showed that there was an effect of marketing communication on consumer interest in PLKT in Gunungsitoli, namely where the test of variables X and Y was declared valid because the result of the calculated r of 0.742 was greater than the r table, which was 0.361. In addition, the large influence of marketing communication was obtained by an average respondent answer of 6.42 with good criteria. Consumer interest in PLKT was obtained by an average respondent answer of 7.24 with good criteria. Thus, marketing communication has a significant influence on consumer interest. This means that marketing communication has an effect on consumer interest so that it can increase profits for the company. These findings suggest that an effective marketing communication strategy is the key to increasing overall consumer interest.
Implementasi literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa Fakultas Ekonomi Universitas Nias Harefa, Idarni; Sukartini Hulu, Tri Hartati; Bu'ulolo, Nanny Artatina; Halawa, Forman
AKUNTABEL: Jurnal Ekonomi dan Keuangan Vol. 20 No. 4 (2023): Desember
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jakt.v20i4.14077

Abstract

Implementasi literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa fakultas ekonomi Universitas Nias. Tujuan penelitian untuk menganalisis seberapa besar pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan yang dimiliki oleh mahasiswa fakultas ekonomi Universitas Nias (UNIAS). Rancangan penelitian secara kuantitatif dengan  menggunakan statistik. Populasi penelitian yaitu mahasiswa Fakultas Ekonomi Universitas Nias. Sampel penelitian sebanyak 100 mahasiswa melalui rumus slovin dari total 268 mahasiswa yang menjadi populasi, diambil dengan teknik Simple Random Sampling. Pengumpulan data menggunakan metode kuesioner. Hasil penelitian menunjukkan Literasi Keuangan memiliki pengaruh signifikan terhadap Pengelolaan Keuangan mahasiwa Fakultas Ekonomi Universitas Nias, Gaya Hidup memiliki pengaruh signifikan terhadap pengelolaan keuangan mahasiwa Fakultas Ekonomi Universitas Nias, Literasi Keuangan dan Gaya Hidup secara simultan memiliki pengaruh terhadap Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi Universitas Nias.
Analisis Strategi Pemasaran Layanan Fotografi di KITA POTO I STUDIO Zebua, Sonifati Saro; Telaumbanua, Aferiaman; Gulo, Heniwati; Harefa, Idarni
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7068

Abstract

Perkembangan teknologi digital dan media sosial telah meningkatkan kebutuhan masyarakat terhadap layanan fotografi, sekaligus memperketat persaingan di industri jasa fotografi. Kondisi ini menuntut pelaku usaha untuk menerapkan strategi pemasaran yang efektif guna meningkatkan daya saing dan mempertahankan pelanggan. Penelitian ini bertujuan untuk menganalisis strategi pemasaran layanan fotografi yang diterapkan oleh KITA POTO | STUDIO, serta mengidentifikasi faktor pendukung, faktor penghambat, dan efektivitas strategi tersebut dalam menghadapi persaingan di era digital. Penelitian menggunakan pendekatan kualitatif dengan jenis deskriptif kualitatif. Data diperoleh melalui observasi, wawancara semi-terstruktur dengan pemilik, karyawan, dan pelanggan, serta dokumentasi. Analisis data dilakukan menggunakan model interaktif Miles dan Huberman yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa strategi pemasaran yang diterapkan berfokus pada pemanfaatan media sosial, khususnya Instagram dan WhatsApp, diferensiasi layanan fotografi, serta penerapan bauran pemasaran jasa (7P). Faktor pendukung utama meliputi kualitas sumber daya manusia, kreativitas tim, identitas merek, serta perkembangan media digital, sedangkan faktor penghambat meliputi keterbatasan waktu, kurangnya konsistensi promosi, serta persaingan yang tinggi. Secara umum, strategi pemasaran yang diterapkan dinilai cukup efektif dalam meningkatkan visibilitas usaha, menarik pelanggan, dan mendorong pemesanan ulang, meskipun masih memerlukan penguatan pada aspek konsistensi promosi dan sistem evaluasi yang lebih terstruktur. Penelitian ini menunjukkan bahwa strategi pemasaran berbasis media digital dan kualitas layanan memiliki peran penting dalam meningkatkan daya saing usaha jasa fotografi di era digital.
The Influence Of Financial Literacy On The Financial Behavior Of Members Of The Osseda Faolala Women's Consumer Cooperative In Nias Waruwu, Irwan Kristian; Harefa, Idarni; Bate'e, Maria Magdalena; Duha, Tiarni
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1448

Abstract

The Osseda Faolala Women's Consumer Cooperative in Nias has problems in the financial behavior of its members, which is based on poor financial literacy of its members. One of the problems in the cooperative's financial behavior is in the repayment of loan credit or bad credit. Problematic loans are burdens that have not been collected or loans that are not paid, doubtful because of difficulties in payment due to certain aspects. The purpose of this study is to determine whether there is an influence and how much influence the financial literacy of the Osseda Faolala Women's Consumer Cooperative in Nias has on the financial behavior of its members. The type of research used is quantitative research. Where the population is 110 people and the sampling technique used is probability sampling with simple random using the Slovin formula, a sample of 52 people was obtained. The results of this study indicate the influence of Financial Literacy (X) on the Financial Behavior (Y) of Members of the Osseda Faolala Women's Cooperative in Nias. This is indicated by the results of the data test on the influence of the variable Financial Literacy (X) on the Financial Behavior of Members of the Osseda Faolala Female Cooperative in Nias, obtained results with a mean T-count of 2.806> T-table 2.009 and a significant value of 0.001 <0.05, meaning the hypothesis is accepted, the Financial Literacy variable (X) partially has a positive and significant influence on the Financial Behavior (Y) of Members of the Osseda Faolala Female Cooperative in Nias. Based on the research that has been conducted, it is known that Financial Literacy (X) has an influence of 0.369 or if expressed as a percentage of 36.9% on the decision of guests to choose a hotel in the city of Gunungsitoli. While the other 63.1% is influenced by other factors.
Co-Authors Aceh, Masmunira Ayler Beniah Ndraha Baene, Diana Novita Bate'e, Maria Magdalena Bate'e, Nefirman Batee, Maria Magdalena Bate’, Maria M Bate’e , Maria Magdalena Bate’e, Maria Magdalena Bate’e, Putri Clarita Bawamenewi Bu'ulolo, Nanny Artatina Buulolo, Nanny A. Buulolo, Nanny Artatina Bu’ulolo, Nanny Bu’ulolo, Nanny A. Bu’ulolo, Nany Artatina Daeli, Seniati Duha, Tiarni ELIYUNUS WARUWU Faebuadodo Hulu, Perlindungan Fanaetu, Yuternalis Juniter Fatolosa Hulu Fredika Ade Pratama Agustiawan Gea, Alberman Ekarius Gea, Ester Kurniawati Gea, Herry Andrinata Gea, Jeliswan B.I.J Gea, Jeliswan Berkat Iman Jaya Gea, Mei Berkat Syukur Gea, Melianus Gea, Yosua Victorada Gulo, Boby Marthin Gulo, Erwinta Gulo, Heniwati Gulo, Pasti Kasih Gulo, Resman Gulo, Susimawati Gulo, Yenni Tri Yanti Halawa, Fanotona Halawa, Forman Halawa, Lidia Warisani Halawa, Odaligo Harefa, Feberni Harefa, Lican Nirmala Harefa, Ronand Sona Sowa’a Harefa, Sadari Haria, Reklis Putri Hia, Litani Yakini Hondo, Elgius Hulu, Antonius Julius Hulu, Denesti Hulu, Fatolosa Hulu, Juli Herdiman Hulu, Parlindungan F Hulu, Perlindungan Faebuadodo Hulu, Protection F. Hulu, Yolan Selviana Humendru, Hence Anycolony Kakisina, Sophia Molinda Lahagu, Feberlius Lahagu, Maret Iman Laia, Aluiwa'auri Laia, Otanius Laia, Veronika Fatina Laoli, Jeni Astuti Laoli, Meri Eka Lestari Laowo, Ridho Tri Aman Larosa, Sri Nibenia Larosa, Sweecth Lestari Lase, Febri Liani Putri Lase, Heseziduhu Lase, Kartini Lase, Kasiani Lase, Murniwati Lase, Petrus Lase, Ramalan Wati Lase, Ratna sari Marulafau, Imadulhaq Meiman Hidayat Waruwu Mendrofa, Aftitin Desti Mendrofa, Martha Surya Dinata Mendrofa, Norbert Gabrielle Charasi Mendrofa, Sepriani Mendrofa, Soterman Fotendo Kristian Mendrofa, Syah Abadi Mendrofa, Yupiter Nazara, Delnovi Yanti Nazara, Setiaman Ndraha, Katharina Kaeni Wartey Jemefal Jens Ndraha, Oktaviani Ndruru, Bernada Ndruru, Efenis Odaligoziduhu Halawa Permana Harefa, Abdiwan Dixit Putra, Heri Melvin Sah S Zai, Kurniawan Saota, Imelda Wulansari Serniati Zebua Sophia Molinda Kakisina Sukartini Hulu, Tri Hartati Tafonao, Sinta Ardiyanti Putri Telaumbanua, Aferiaman Telaumbanua, Daniel Anugrah Prima Telaumbanua, Ledi Triranto Telaumbanua, Otolius Telaumbanua, Sofyan Fran Wijaya Telaumbanua, Widya Fransiska Wansyah Putra Harefa, Ider Waruwu, Frisca Angela Waruwu, Irwan Kristian Waruwu, Jhon Ervin Waruwu, Meiman H. Waruwu, Mira Mista Waruwu, Putri Destari Waruwu, Walina Yuterlin Zalukhu Zai , Kurniawan Sarototonafo Zai, Happy Notatema Zai, Kurniawan S. Zai, Kurniawan Sarototonafo Zai, Vinsen April Linus Zalukhu, Dinda Juliyana Zalukhu, Risma Nelly Zalukhu, Sukur Puji Iman Zalukhu, Yuterlin Zamasi, Berkat Perlindungan Zebua, Adil Setia Zebua, Alfandi Zebua, Andri Krisman Zebua, Dedi Irawan Zebua, Emanuel Zebua, Fakta Solala Zebua, Fransiska Riang Hati Zebua, Idam Eltri Zebua, Indirwan Zebua, Silvan Solaso Zebua, Sonifati Saro Zebua, Triwan Putra Zega, Binsar Jun Imer Zega, Dede Kurniawan Zega, Irfan Zega, Nurhayati Zega, Sadarman Zendrato, Hasrat Damai Aprilliaman Zendrato, Lois Ihcasia Zendrato, Sejoiman