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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) 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 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 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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Go Digital: Pemanfaatan Teknologi Pada UMKM dan Penguatan Literasi Keuangan di Desa Tumori Kecamatan Gunungsitoli Barat Kota Gunungsitoli Harefa, Idarni; Fanaetu, Yuternalis Juniter; Gulo, Yenni Tri Yanti; Gea, Yosua Victorada; Zebua, Silvan Solaso; Zalukhu, Sukur Puji Iman; Zendrato, Sejoiman; Haria, Reklis Putri; Bate’e, Putri Clarita
Jurnal Pengabdian Masyarakat Bhinneka Vol. 3 No. 4 (2025): Bulan Juli
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v3i4.311

Abstract

Transformasi digital di sektor Usaha Mikro, Kecil, dan Menengah (UMKM) menjadi kebutuhan mendesak dalam menghadapi tantangan persaingan global dan perkembangan teknologi.Namun, masih banyak UMKM di daerah pedesaan yang belum mampu mengadopsi teknologi digital secara optimal, serta memiliki keterbatasan dalam pengelolaan keuangan usaha.Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan kapasitas pelaku UMKM di Desa Tumori, Kecamatan Gunungsitoli Barat melalui sosialisasi bertema “Go Digital”.Kegiatan dilaksanakan secara tatap muka dan melibatkan, yang terdiri dari pelaku umkm, masyarakat umum, serta unsur akademik seperti peserta PKM dan dosen pembimbing, yang turut memberikan kontribusi dalam diskusi maupun pemaparan materi.materi yang disampaikan mencakup pemanfaatan teknologi digital untuk promosi dan pemasaran, literasi keuangan dasar, pengelolaan modal, dan penggunaan aplikasi keuangan digital. Hasil kegiatan menunjukkan peningkatan pemahaman peserta dalam penggunaan teknologi untuk menunjang usaha serta kesadaran pentingnya pencatatan keuangan yang terstruktur.Program ini diharapkan menjadi langkah awal dalam membentuk ekosistem UMKM digital yang mandiri dan berkelanjutan di desa tersebut.
The Influence Of Consumer Behavior Factors On Purchasing Decisions At Quinsha Bakery, Gunungsitoli Larosa, Sri Nibenia; Zebua, Serniati; Zai, Kurniawan Sarototonafo; Harefa, Idarni
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.909

Abstract

This study aims to analyze the influence of consumer behavior factors—including cultural, social, personal, and psychological aspects—on purchasing decisions at Quinsha Bakery Gunungsitoli. The problem addressed in this research stems from increasing business competition in the bakery industry, which demands a deeper understanding of consumer behavior. This quantitative research involved data collection through questionnaires distributed to 96 respondents. Data were analyzed using multiple linear regression with SPSS version 27. The results indicate that all four consumer behavior factors have a significant influence on purchasing decisions when tested simultaneously. However, partially, only social and personal factors have a significant impact on purchasing decisions. Cultural and psychological factors do not show a significant individual influence. These findings suggest that marketing strategies should focus more on social and personal approaches, such as lifestyle, social status, and occupation. The study concludes that identifying dominant consumer behavior factors is essential for developing effective marketing strategies and maintaining customer loyalty.
The Influence Of Service Quality On Sales Increase At The Maju Teti Store In Gunungsitoli City Telaumbanua, Otolius; Harefa, Idarni; Zai, Kurniawan Sarototonafo; Gulo, Heniwati
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.911

Abstract

This study aims to determine the influence of service quality on increasing sales at Toko Maju Teti, Gunungsitoli City. The method used in this study is a quantitative method with a total of 62 respondents who shop at Toko Maju Teti, Gunungsitoli City, which was selected using the propability sampling technique using the slovin formula. Data was collected by observation method and distribution of questionnaires directly at Toko Maju Teti, Gunungsitoli City. The results of this study show that based on the results of the partial test (t-test) the t-table value is 10.406 and the t-table is 1.999 which means that t is greater than t table, and the significance value is 0.000 smaller than 0.05 so that it is concluded that the quality of service has an influence on the increase in sales at Toko Maju Teti, Gunungsitoli City. Based on the determinant coefficient test, the results were obtained that the quality of service had an influence on the increase in sales at Toko Maju Teti Kota Gunungsitoli by 64% and 36% was influenced by other factors.
The Influence Of Attributes And Brand Awareness On The Decision To Use Maxim Online Transportation Services In Gunungsitoli City Ndraha, Oktaviani; Yuterlin Zalukhu; Harefa, Idarni; Zebua, Serniati
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.912

Abstract

The background of this study is that there are still drivers who do not use attributes such as jackets, helmets and stickers when driving or driving on the road. Where this does not maximize the existence of the Maxim brand to be known or known to the public and affects consumer comfort and consumer trust. This study aims to determine how much influence attributes and brand awareness have on the decision to use Maxim online transportation services in Gunungsitoli City. This study employed a quantitative approach with a survey method. Data were collected by distributing questionnaires to 98 respondents selected using random probability sampling. The data analysis method employed in this study included multiple linear regression techniques to evaluate the significant impact of the independent variables on the dependent variable and to identify relationships between the variables studied. The results of this study indicate that attributes, brand awareness have a positive and significant effect on usage decisions. With high attributes (service quality, product features, branding, labeling, applying style and design) and brand awareness (recall, recognition, purchase and consumption owned will be easier to increase the decision to use Maxim online transportation services in Gunungsitoli City.
The Influence Of Supply Chain Management On Consumer Loyalty At CV Jaya Plafon, Gunungsitoli City Hulu, Juli Herdiman; Kakisina, Sophia Molinda; Harefa, Idarni; Zebua, Serniati
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.922

Abstract

This study aims to analyze the effect of supply chain management on consumer loyalty at CV Jaya Plafon, Gunungsitoli City. The background of the study indicates a decline in consumer loyalty, indicated by a consistent downward trend in the number of customers purchasing cement and iron products from March to June 2025. This decline is strongly suspected to be related to suboptimal supply chain management, such as stockouts, late deliveries, and unclear product information.The research method used was quantitative. Data were collected through questionnaires distributed to 88 respondents, who were CV Jaya Plafon consumers who met the purposive sampling criteria. The independent variable in this study was Supply Chain Management (X), with indicators of inventory availability, product variety, low cost, and product quality. The dependent variable was Consumer Loyalty (Y), with indicators of repeat purchases, customer retention, and recommendations. Data were analyzed using simple linear regression with SPSS version 27 software, preceded by validity, reliability, normality, and heteroscedasticity tests.  The results indicate that supply chain management has a positive and significant effect on customer loyalty at CV Jaya Plafon in Gunungsitoli City. This is evidenced by the calculated t-value of 7.771, which is greater than the t-table of 1.98793, and the significance value of 0.000, which is less than 0.05. The coefficient of determination (R²) of 0.412 (41.2%) indicates that 41.2% of the variation in customer loyalty can be explained by supply chain management, while the remaining 58.8% is influenced by factors outside the research model. These findings underscore the importance of effective supply chain management in building and maintaining customer loyalty in the building materials retail sector.
Marketing Strategy Analysis To Increase Virgin Coconut Oil (VCO) Sales At UD. Delaria Gea, Melianus; Zebua, Serniati; Harefa, Idarni; Laia, Otanius
Jurnal Fokus Manajemen Vol 5 No 3 (2025): Agustus
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v5i3.9401

Abstract

This research aims to analyze the marketing strategies implemented by UD. Delaria in marketing Virgin Coconut Oil (VCO) products, evaluating internal and external factors that affect the effectiveness of the strategy, and formulating strategic recommendations to increase sales. The research method used is qualitative with data collection through interviews, observations, and document analysis. The research method used is qualitative with data collection through interviews, observations, and document analysis. The results of the study show that UD. Delaria combines direct selling strategies with digital marketing (internet marketing) to reach a wide range of consumers and retain existing customers. The most influential internal factor is the superior quality of VCO products, while external factors include consumer behavior that is increasingly concerned about health but price sensitive, as well as fierce market competition. The proposed strategies include strengthening targeted digital marketing, consumer education on the benefits of VCO, creative promotion, packaging innovation, and product variant development. This approach is expected to be able to expand market reach, increase brand awareness, build consumer loyalty, and maintain sales stability in a sustainable manner.
The Influence of Customer Satisfaction on Consumer Purchasing Decisions on Catering Products at CV. Wery Group Gunungsitoli City Zendrato, Lois Ihcasia; Laia, Otanius; Harefa, Idarni; Buulolo, Nanny Artatina
Jurnal Multidisiplin Sahombu Vol. 5 No. 06 (2025): Jurnal Multidisiplin Sahombu, September - October (2025)
Publisher : Sean Institute

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

Abstract

This study aims to determine the influence of customer satisfaction on consumer purchasing decisions for catering products at CV. Wery Group Gunungsitoli City. The research method used is a quantitative approach with statistical analysis to measure the relationship between customer satisfaction (X) and purchasing decisions (Y). Based on the determination test results, the Adjusted R Square value was found to be 0.672. This indicates that the customer satisfaction variable (X) explains 67.2% of the purchasing decision variable (Y) after adjusting for the sample size and independent variables used. Meanwhile, the remaining 32.8% is influenced by other factors not included in this study. The findings of this study suggest that the higher the level of customer satisfaction, the greater the likelihood of repeat purchases of catering products from CV. Wery Group. Therefore, the company must continuously improve service quality and product standards to maintain and enhance consumer purchasing decisions.
Analysis of Consumer Behavior in Choosing the ZPay Application as a Digital Transaction Service (Case Study at PT. ZPay Komunika Indonesia Gunungsitoli) Zendrato, Hasrat Damai Aprilliaman; Mendrofa, Yupiter; Harefa, Idarni; Laia, Otanius
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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

Abstract

Amidst increasing competition in the digital payment market, ZPay, operated by PT. ZPay Komunika Indonesia in Gunungsitoli, faces challenges in maintaining user preference. This study aims to analyze consumer behavior in choosing ZPay as a digital transaction service, focusing on factors influencing decision-making and the stages of the decision process. Using a qualitative case study approach, data were collected through observations, in-depth interviews, and documentation involving active ZPay users, the company owner, employees, and customers. Findings reveal that cultural, social, personal, and psychological factors significantly influence consumer choice. Key considerations include ease of use, transaction security, social influence, and positive prior experiences. The decision-making process comprises need recognition, information search, evaluation of alternatives, purchase decision, and post-purchase behavior. This research provides practical insights for ZPay in developing consumer-focused marketing strategies and contributes to academic literature on digital consumer behavior. The study emphasizes the importance of aligning services with consumer expectations to enhance satisfaction, loyalty, and competitiveness in the rapidly evolving digital economy.
Pengaruh Digitalisasi Keuangan Terhadap Perilaku Keuangan Pelaku Usaha Pada UMKM Kecamatan Tuhemberua Kabupaten Nias Utara Zega, Sadarman; Harefa, Idarni; Buulolo, Nanny Artatina
ProBisnis : Jurnal Manajemen Vol. 16 No. 5 (2025): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh digitalisasi keuangan terhadap perilaku keuangan pelaku usaha pada UMKM di Kecamatan Tuhemberua, Kabupaten Nias Utara. Digitalisasi keuangan, yang mencakup penggunaan teknologi digital dalam transaksi, pencatatan keuangan, dan akses terhadap layanan keuangan, diyakini dapat mengubah cara pelaku UMKM dalam mengelola keuangan usahanya secara lebih efisien, transparan, dan terencana. Melalui pendekatan kuantitatif dengan teknik analisis regresi linear, diperoleh hasil bahwa nilai Adjusted R Square sebesar 0,765. Hal ini menunjukkan bahwa digitalisasi keuangan mampu menjelaskan variasi perilaku keuangan pelaku UMKM sebesar 76,5% setelah disesuaikan dengan jumlah sampel dan variabel yang digunakan. Sisanya sebesar 23,5% dijelaskan oleh faktor lain di luar model penelitian ini, seperti pengalaman usaha, tingkat pendidikan keuangan, atau kondisi pasar. Hasil ini mengindikasikan bahwa digitalisasi keuangan memiliki pengaruh yang sangat kuat dan signifikan terhadap perilaku keuangan pelaku UMKM, sehingga penerapan teknologi digital dalam pengelolaan keuangan dapat menjadi salah satu strategi utama dalam mendorong keberlanjutan dan pertumbuhan UMKM di daerah. Temuan ini memberikan dasar penting bagi pengambil kebijakan dan pelaku usaha untuk lebih mendorong adopsi teknologi digital dalam sistem keuangan UMKM.
ANALISIS PERSEPSI MASYARAKAT PENGGUNAAN LAYANAN TRANSAKSI DIGITAL (STUDI KASUS PADA APLIKASI BRIMO DI KELURAHAN ILIR KOTA GUNUNGSITOLI) Gulo, Susimawati; Telaumbanua, Aferiaman; Hulu, Perlindungan Faebuadodo; Harefa, Idarni
Jurnal Ilmiah Muqoddimah: Jurnal Ilmu Sosial, Politik dan Hummaniora Vol 8, No 1 (2024): Februari 2024
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jim.v8i1.2024.458-462

Abstract

Aplikasi BRImo merupakan Alat transaksi keuangan digital perbankan yang disediakan untuk mempermudah kelancaran transaksi dengan efektif dan efesien yang didukung dengan smartphone dan jaringan internet. Tujuan penelitian ini adalah untuk mengetahui persepsi masyarakat penggunaan layanan transaksi digital pada aplikasi BRImo di Kelurahan Ilir Kota Gunungsitoli. Metode yang digunakan dalam penelitian ini adalah Kualitatif Deskriptif. Hasil dari penelitian ini menunjukan bahwa persepsi masyarakat Kelurahan Ilir yang berjumlah 10 orang masyarakat yaitu menyambut baik aplikasi BRImo karena memberikan kemudahan dan kecepatan dalam melakukan transaksi keuangan. Keamanan data pada layanan aplikasi BRImo sudah sangat baik karena aplikasi BRImo memiliki enkripsi data otentikasi dua faktor. Namun sebagian pengguna tidak sepenuhnya memahami manfaat fitur yang ada pada Aplikasi BRimo. Tingkat kebutuhan pengguna yang berbeda dan kemampuan individu dalam menggunakan teknologi berbeda-beda. Penyedia layanan perlu melakukan literasi digital/edukasi agar fitur aplikasi BRImo ini tetap relevan dan memberikan manfaat pada masyarakat . Kata kunci: Persepsi , Layanan Transaksi Digital, Fintech, BRImo 
Co-Authors Aceh, Masmunira Ayler Beniah Ndraha Bate'e, Maria Magdalena 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, 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, Susimawati Gulo, Yenni Tri Yanti Halawa, Fanotona Halawa, Forman Halawa, Lidia Warisani Harefa, Feberni Harefa, Lican Nirmala Harefa, Ronand Sona Sowa’a Harefa, Sadari Haria, Reklis Putri Hondo, Elgius Hulu, Antonius Julius 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, Heseziduhu Lase, Kartini Lase, Kasiani Lase, Ramalan Wati 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 Sukartini Hulu, Tri Hartati Tafonao, Sinta Ardiyanti Putri Telaumbanua, Aferiaman Telaumbanua, Daniel Anugrah Prima Telaumbanua, Ledi Triranto Telaumbanua, Otolius Telaumbanua, Widya Fransiska Wansyah Putra Harefa, Ider Waruwu, Frisca Angela Waruwu, Jhon Ervin Waruwu, Meiman H. Waruwu, Mira Mista Waruwu, Putri Destari Waruwu, Walina Yuterlin Zalukhu Zai , Kurniawan Sarototonafo Zai, Kurniawan S. Zai, Kurniawan Sarototonafo Zai, Vinsen April Linus Zalukhu, Dinda Juliyana Zalukhu, Risma Nelly Zalukhu, Sukur Puji Iman Zalukhu, Yuterlin Zebua, Alfandi Zebua, Dedi Irawan Zebua, Emanuel Zebua, Fakta Solala Zebua, Fransiska Riang Hati Zebua, Idam Eltri Zebua, Indirwan Zebua, Silvan Solaso Zebua, Sonifati Saro Zega, Sadarman Zendrato, Hasrat Damai Aprilliaman Zendrato, Lois Ihcasia Zendrato, Sejoiman