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All Journal Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE
Nanny Artatina Bu’ulolo
Unknown Affiliation
Economics, Econometrics & Finance

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NAVIGATING THE DIGITAL FRONTIER: UNRAVELING THE DIMENSIONS OF DIGITAL FINANCIAL LITERACY Idarni Harefa; Tri Hartati Sukartini Hulu; Nanny Artatina Bu’ulolo
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 7 (2024): July
Publisher : Adisam Publisher

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Abstract

The aim of this study is investigate specific dimensions of digital financial literacy (awareness, skills, knowledge, behavior) in diverse contexts, including rural areas and various demographic groups. Identify and understand the determinants that influence digital financial literacy, providing insights for targeted interventions and educational programs. The paper offers a focused investigation into a specific aspect of essential for anyone seeking a comprehensive understanding of digital financial literacy, its determinants, consequences, and the roadmap for future research and action in this critical and evolving field. Looking ahead, the outlined future agendas provide a roadmap for adapting to technological shifts, fostering financial innovation, and addressing regulatory challenges. Tailored programs, international collaboration, and a focus on psychological aspects aim to create more inclusive strategies. Through these efforts, we anticipate not only advancing our collective understanding of digital financial literacy but also making tangible contributions to promoting financial well-being in our continually evolving digital era.
Analisis Perilaku Konsumen dalam Pengambilan Keputusan Pembelian Produk Eiger di Toko Eiger Kota Gunungsitoli Hendriwan Novan Berkat Lase; Yupiter Mendrofa; Aferiaman Telaumbanua; Nanny Artatina Bu’ulolo
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 4 No. 2 (2025): Oktober: Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrie.v4i2.6518

Abstract

This research is motivated by the phenomenon of diverse consumer behavior in making purchase decisions for Eiger products at the Eiger Store in Gunungsitoli City, particularly amid the rapid growth of online stores and price competition from general stores such as Mr. DIY. This study aims to identify the factors influencing consumer behavior and to understand the process of purchase decision-making for Eiger products. The method employed is descriptive qualitative, with data collection techniques comprising in-depth interviews, observation, and documentation. The findings indicate that consumer behavior is influenced by internal factors, such as personal motivation and an active lifestyle in outdoor activities, as well as external factors including a strong brand image, high product quality, social recommendations from family and friends, and friendly and informative store service. The results of this study are expected to provide valuable input for store management in formulating more effective marketing strategies to enhance competitiveness in the local market
NAVIGATING THE FINANCIAL LANDSCAPE: UNRAVELING THE COMPLEXITIES OF SMES' ACCESS TO FINANCE Idarni Harefa; Tri Hartati Sukartini Hulu; Nanny Artatina Bu’ulolo; Intan Permata Hati Hulu
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 1 (2024): January
Publisher : Adisam Publisher

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Abstract

The study airms to address the gaps in the existing research ons investigate how individual financial constraints, such as high interest rates, extended loan processing times, and complex security requirements, directly impact the operational aspects of SMEs. The paper offers a focused investigation into a specific aspect of SMEs – the direct impact of individual financial constraints on their operations. By reading the entire paper, individuals stand to gain a thorough grasp of the research methodology, detailed findings, and the broader implications for SMEs, policymakers, and financial institutions. In conclusion, the future agendas for enhancing access to finance for Small and Medium Enterprises (SMEs) revolve around embracing digital transformation, establishing flexible regulatory frameworks, investing in capacity building, promoting inclusive financing models, fostering global collaboration, integrating sustainability into financial decisions, improving data accessibility and analytics, and planning for economic resilience. A collaborative effort involving policymakers, financial institutions, industry stakeholders, and SMEs is crucial to create a dynamic and supportive ecosystem that ensures the financial inclusivity and long-term success of SMEs in an ever-evolving economic landscape.
Co-Authors Aferiaman Telaumbanua Hendriwan Novan Berkat Lase Idarni Harefa Intan Permata Hati Hulu Tri Hartati Sukartini Hulu Yupiter Mendrofa