Sovania, Erina
IKPIA Perbanas

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THE ROLE OF SALES PROMOTION, EASE OF USE, AND TRUST TOWARDS INTENTION TO USE E-WALLET Sovania, Erina; Ginting, Mozestha Prana
JABE (Journal of Applied Business and Economic) Vol 10, No 2 (2023): JABE (Journal of Applied Business and Economic)
Publisher : UNIVERSITAS INDRAPRASTA PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/jabe.v10i2.20527

Abstract

E-wallets or electronic wallets have become an alternative payment method because they allow users to do things online quickly and safely. This research aims to determine how much intention to use the ShopeePay e-wallet influences sales promotion, ease of use, and trust. The study was conducted on 160 active Shopee users in the Jakarta area. This research is a quantitative method with a hypothesis testing type of research. Analysis was carried out using the SmartPLS application. The research results reveal that sales promotions and ease of use significantly influence the intention to use the Shopeepay application. In contrast, other determinants, namely trust, do not influence Shopee users to use Shopeepay
ACCELERATING MSME GROWTH: BANK BRI'S ROLE THROUGH THE LINKUMKM PLATFORM Sovania, Erina
JABE (Journal of Applied Business and Economic) Vol 11, No 3 (2025): (JABE)Journal of Applied Business and Economic
Publisher : UNIVERSITAS INDRAPRASTA PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/jabe.v11i3.25161

Abstract

In Indonesia, Micro, Small, and Medium Enterprises (MSMEs) are vital to the nation's economy, significantly contributing to GDP, employment, and social stability. Despite their importance, MSMEs often face challenges such as limited access to digital tools and financial resources. In response to these barriers, Bank Rakyat Indonesia (BRI) launched the LINKUMKM application, a digital platform to empower MSMEs through enhanced e-commerce capabilities, financial services, and digital literacy training. This study aims to investigate the impact of LINKUMKM on MSMEs, particularly in improving business operations, expanding market reach, and enhancing financial management.The study is motivated by the need to understand how digital platforms like LINKUMKM can bridge the digital divide and support the growth of MSMEs in an increasingly competitive market. A qualitative research design was employed, utilizing interviews and data analysis to gather insights from MSMEs using the LINKUMKM application. The findings reveal that MSMEs leveraging LINKUMKM have experienced notable improvements in sales, operational efficiency, and overall business performance. The platform assists MSMEs in digital adoption, from setting up online stores to integrating payment systems and accessing fintech solutions, fostering a more robust digital presence.Practically, LINKUMKM addresses the digital literacy gap by providing customized training programs that enhance the technical skills and confidence of MSME owners and employees in using digital tools for business expansion. The study highlights the critical role of digital interventions like LINKUMKM in empowering small businesses, enabling them to compete more effectively in the global market. The research contributes valuable insights into the potential of digital platforms to support MSME development and offers recommendations for further policy enhancements and research in this area