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Pengaruh Penggunaan Financial Technology terhadap Keberlangsungan Umkm di Pasar Beringin Kecamatan Gunungsitoli Telaumbanua, Arisman; Idarni Harefa; Serniati Zebua; Gulo, Heniwati
Arus Jurnal Sosial dan Humaniora Vol 5 No 3: Desember (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i3.1934

Abstract

Perkembangan Financial Technology (FinTech) telah membawa perubahan fundamental dalam ekosistem transaksi keuangan, termasuk bagi sektor Usaha Mikro, Kecil, dan Menengah (UMKM) sebagai tulang punggung perekonomian nasional. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan FinTech terhadap keberlangsungan UMKM di Pasar Beringin (Eks Terminal Lama), Kecamatan Gunungsitoli. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 64 pelaku UMKM yang dipilih melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner berskala Likert dan dianalisis dengan regresi linear sederhana melalui bantuan perangkat lunak SPSS versi 25. Hasil pengujian menunjukkan bahwa penggunaan FinTech berpengaruh positif dan signifikan terhadap keberlangsungan UMKM, yang ditunjukkan oleh nilai uji t yang lebih besar dari t tabel pada taraf signifikansi 5%. Selain itu, koefisien determinasi mengindikasikan bahwa variasi keberlangsungan UMKM secara substansial dipengaruhi oleh intensitas pemanfaatan FinTech. Temuan ini mengonfirmasi bahwa FinTech berperan strategis dalam meningkatkan efisiensi transaksi, memperluas akses pasar, serta memperkuat daya saing UMKM. Dengan demikian, optimalisasi pemanfaatan FinTech perlu terus didorong melalui penguatan literasi digital, penyediaan infrastruktur teknologi, serta dukungan kebijakan yang berkelanjutan guna memperkokoh keberlangsungan dan kemandirian UMKM di tingkat lokal.
ANALISIS PERENCANAAN SUMBER DAYA MANUSIA PADA KANTOR POS KOTA GUNUNGSITOLI Tio Putri Marlina Lase; Palindungan Lahagu; Fatolosa Hulu; Idarni Harefa
Jurnal Publikasi Manajemen Informatika Vol. 4 No. 3 (2025): JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v4i3.3977

Abstract

In the era of globalization and digitalization, organizations are required to have an effective human resource management (HR) strategy to face the challenges of increasingly fierce competition. This research aims to analyze HR planning at the Gunungsitoli City Post Office in order to improve the quality and effectiveness of public services. With a qualitative descriptive approach, data is collected through observation, interviews and documentation. The research results show that the Gunungsitoli City Post Office is facing a mismatch between workforce needs and the availability of competent employees, especially in dealing with developments in digital services and customer demands. Human resource planning that is not yet optimal has an impact on service quality and operational efficiency. Therefore, strategic and comprehensive HR planning is needed to support the long-term success of the organization.
APLIKASI PENINGKATAN ADMINISTRASI DAN KOORDINASI BERBASIS DIGITAL PADA SEKRETARIAT DAERAH KABUPATEN NIAS UTARA Sehati Zendrato; Maria Magdalena Bate'e; Ardin Gea; Idarni Harefa
Jurnal Publikasi Manajemen Informatika Vol. 5 No. 1 (2026): JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v5i1.6368

Abstract

administration still dominates organizational document management and creates various obstacles such as slow distribution, difficulties in archive retrieval, weak interdepartmental coordination, high operational costs, as well as low transparency and data security. This condition contradicts the demands of modern administration, which emphasizes the use of information technology. This study aims to design a digital-based application to improve administrative efficiency, analyze the application’s contribution to interdepartmental coordination, identify the capability of digital systems in overcoming the weaknesses of manual management, and assess the alignment of the application with e-Government and SPBE (Electronic-Based Government System) principles. The research applied a qualitative approach through in-depth interviews with key informants and document studies, with thematic analysis based on modern administration theory, digital coordination, and SPBE regulations. The findings show that administrative digitalization through digital correspondence recording, integrated archive search, automatic notifications, data backup, and audit trail can overcome the weaknesses of the manual system. Digitalization has been proven to accelerate document distribution, simplify archive retrieval, enhance transparency, strengthen accountability, reduce operational costs, and improve interdepartmental coordination. The implementation of digitalized administration results in a significant transformation from a manual system that is slow, wasteful, and less accountable to a digital system that is faster, more efficient, transparent, secure, and cost-effective. The success of implementation is determined not only by technical aspects but also by compliance with SPBE regulations. Digitalization has been proven to positively impact the improvement of public service quality and organizational effectiveness.
EFEKTIFITAS PELAPORAN PENGADAAN BARANG DAN JASA MELALUI APLIKASI SIMONIBARJAS KABUPATEN NIAS PADA SEKRETARIAT DAERAH KABUPATEN NIAS Kristian Jaya Mendrofa; Maria Magdalena Bate'e; Yosmar Zalukhu; Idarni Harefa
Jurnal Publikasi Manajemen Informatika Vol. 5 No. 1 (2026): JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v5i1.6372

Abstract

The phenomenon underlying this research is the ineffectiveness of the centralized AMEL application previously used for procurement reporting at the Regional Secretariat of Nias Regency. Issues such as delays in data presentation, low report accuracy, generalized reporting, and the absence of real-time information made it difficult for leaders to make data-based decisions. In response, the local government developed the SIMONIBARJAS application, a locally based and integrated system designed to provide faster, more detailed, accurate, and real-time reporting. The research problems focus on: (1) the effectiveness of the SIMONIBARJAS application in supporting procurement reporting; (2) the extent to which it addresses AMEL’s weaknesses; (3) users’ perceptions of its ease of use, speed, and reliability; and (4) the role of human resources in supporting its implementation. The findings indicate that SIMONIBARJAS is effective in improving reporting quality by accelerating data presentation, increasing accuracy, providing more detailed reports, and supporting real-time information access for decision-makers. Moreover, inter-unit integration has improved, enabling faster and more accountable decision-making processes. However, challenges remain, including limited user understanding of some features and technical issues such as internet stability, which require further improvement
Pengaruh Harga Terhadap Keputusan Pembelian Konsumen Di Toko GSB Keramik Kota Gunungsitoli Onekhesi Telaumbanua; Otanius Laia; Idarni Harefa; Maria Magdalena Batee
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.11537

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh harga terhadap keputusan pembelian konsumen di Toko GSB Keramik Kota Gunungsitoli. Permasalahan penelitian didasari oleh adanya ketidaksesuaian harga produk yang relatif lebih tinggi dibanding toko lain, sehingga berpengaruh terhadap penurunan keputusan pembelian konsumen.Penelitian ini menggunakan metode kuantitatif dengan sampel 30 responden yang dipilih secara purposive sampling. Instrumen penelitian berupa kuesioner skala Likert. Data dianalisis dengan bantuan SPSS versi 25 menggunakan uji validitas, reliabilitas, uji asumsi klasik (uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi), regresi linear sederhana, koefisien korelasi, koefisien determinasi, dan uji t parsial. Hasil penelitian menunjukkan bahwa harga berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen. Nilai koefisien korelasi sebesar 0,950 menunjukkan hubungan yang kuat, sedangkan nilai koefisien determinasi sebesar 90,3% mengindikasikan bahwa harga menjelaskan 90,3% variasi keputusan pembelian, dan sisanya 9,7% dipengaruhi faktor lain. Uji t membuktikan bahwa thitung (16,134) > ttabel (2,048), sehingga hipotesis penelitian diterima.Implikasi penelitian ini secara teoritis memperkuat konsep Kotler & Keller (2016) bahwa harga merupakan salah satu faktor utama dalam keputusan pembelian. Secara praktis, hasil ini memberikan masukan bagi manajemen Toko GSB Keramik untuk menetapkan strategi harga yang lebih kompetitif agar dapat meningkatkan loyalitas konsumen.
Analisis Strategi Bauran Pemasaran Dalam Meningkatkan Penjualan Produk Di UD Sungai Berkat Kota Gunungsitoli Yusyatniel Zai; Yupiter Mendrofa; Otanius Laia; Idarni Harefa
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.11699

Abstract

Penelitian ini dilatarbelakangi pada beberapa permasalahan yang ditemukan adalah monotonnya produk (product) yang di jual, penetapan harga (price) di UD Sungai Berkat Kota Gunungsitoli, persoalan tempat usaha (place) UD Sungai Berkat Kota Gunungsitoli menjadi tantangan krusial lain yang dihadapi, dan promosi (promotion) UD Sungai Berkat Kota Gunungsitoli belum mengadopsi strategi komunikasi pemasaran yang persuasif dan terukur,. Jenis penelitian ini adalah penelitian kualitatif dengan pendekatan deksriptif. Instrumen penelitian yang digunakan adalah lembar wawancara dan data sekunder yang diperoleh dari UD Sungai Berkat Kota Gunungsitoli. Berdasarkan hasil penelitian dapat diuraikan sebagai berikut 1) Strategi bauran pemasaran yang diterapakn oleh UD Sungai Berkat Kota Gunungsitoli yaitu product, price, place, dan promotion. Produk yang dijual berupa pakan ternak. Harga yang diberikan cukup terjangkau sesuai dengan jenis pakan yang dibeli. Tempat usaha sudah dekat dengan jalan raya utama sehingga arus masuk kendaraan dapat lebih efesien. Untuk promosi masih dilakukan dengan personal selling sehingga perlu upaya dalam menggunakan media sosial sebagai media promosi kepadannya, 2) Strategi Bauran Pemasaran dalam Meningkatkan Penjualan di UD Sungai Berkat Kota Gunungsitoli yaitu dari segi pakan yang dijual diusahakan pakan dengan kualitas terbaik dengan harga yang bisa dijangkau oleh pembeli.
Pengaruh Brand Awareness dan Promosi Terhadap Minat Beli Konsumen Pada Toko Butik Perhiasan Emas Sararaholi Gunungsitoli Mei Karuniawati Zai; Idarni Harefa; Yuterlin Zalukhu; Tiarni Duha
Jurnal Publikasi Manajemen Informatika Vol. 3 No. 3 (2024): JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v3i3.3786

Abstract

This research aims to examine the influence of brand awareness and promotion on consumer purchase intention at Sararaholi Jaya Gold Jewelry Boutique, Gunungsitoli. The primary focus of the study is to understand how brand awareness and promotional activities carried out by the boutique impact consumer purchase intention. The research method used is quantitative, with data collected through questionnaires distributed to the boutique's consumers. The findings reveal that the promotion variable (X1) has a significant influence on consumer satisfaction by 89.2%, as indicated by an R Square value of 0.892. Meanwhile, the promotion variable (X2) also affects consumer purchase intention by 24.6%, as seen from an R Square value of 0.246. Overall, brand awareness (X1) and promotion (X2) together have a combined influence of 89.9% on customer satisfaction, as shown by an R Square value of 0.899, with the remaining 10.1% influenced by other variables not covered in this study. These findings highlight the importance of promotion strategies and brand awareness in increasing consumer purchase intention at Sararaholi Jaya Gold Jewelry Boutique.
PENGARUH PROMOSI TERHADAP MINAT BELI KONSUMEN DI PT ZPAY KOMUNIKA Kasih Karunia Wati Zega; Otanius Laia; Idarni Harefa; Tiarni Duha
Jurnal Publikasi Manajemen Informatika Vol. 5 No. 2 (2026): JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v5i2.6637

Abstract

Promotion is an activity designed to influence consumers so they become familiar with the products offered by the company, thus becoming interested and purchasing them. Purchase intention is a consumer behavior that underlies a purchasing decision. This study aims to determine whether there is an influence of promotion on consumer purchase intention at PT ZPAY Komunika and to determine the extent of the influence of promotion on consumer purchase intention at PT ZPAY Komunika. The research method used was quantitative research with 30 respondents. The results of the data analysis showed that the calculated t-value for the variable 6.099 was >2.054, thus concluding that Ha was accepted and that promotion had an effect on the variable consumer purchase intention. Based on the Adjusted R Square value of 0.672, this indicates that the promotion variable can influence consumer purchase intention by 55.5%. The remainder is influenced by other variables not discussed in this study.
Pengaruh Gaya Hidup dan Citra Merek terhadap Minat Beli Konsumen pada Dubai Textile Gunungsitoli Reklis Putri Haria; Aferiaman Telaumbanua; Idarni Harefa; Yupiter Mendrofa
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 5 No. 3 (2026): September : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v5i3.8113

Abstract

This study aims to analyze the influence of lifestyle and brand image on consumer purchase intention at Dubai Textile Gunungsitoli. This research used a quantitative approach with purposive sampling. The population consisted of visitors to Dubai Textile during October–December 2025, with an estimated population of 2,700 people and a sample of 96 respondents determined using the Slovin formula. Data were collected through questionnaires using a five-point Likert scale and analyzed using multiple linear regression with IBM SPSS Statistics 27. The results showed that lifestyle had a positive and significant effect on consumer purchase intention, with a t-value of 4.041 and significance of <0.001. Brand image also had a positive and significant effect, with a t-value of 7.351 and significance of <0.001. Simultaneously, lifestyle and brand image significantly affected purchase intention, as indicated by an F-value of 139.334 and significance of <0.001. The multiple regression model produced Y = 1.539 + 0.550X₁ + 0.579X₂ + e, with R = 0.866 and R² = 0.750. Brand image was the more dominant variable based on its standardized beta coefficient (0.592), compared with lifestyle (0.325). These findings indicate that improving product suitability to consumers’ lifestyles and strengthening the positive image of Dubai Textile can increase consumer purchase intention.