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p-Index From 2021 - 2026
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All Journal Golden Ratio of Mapping Idea and Literature Format Golden Ratio of Auditing Research Golden Ratio of Data in Summary
H. Harkim
Sekolah Tinggi Ilmu Ekonomi Profesional Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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The Impact of Visual Marketing on Purchasing Behavior in E-Commerce: A Case Study in The Fashion Industry Agus Marwan; H. Harkim; Bambang Sugiharto
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.769

Abstract

This study explores the impact of visual marketing elements on consumer purchasing behavior within the fashion e-commerce industry, focusing on visual aesthetics, user-generated content (UGC), and influencer endorsements. Using a qualitative approach, semi-structured interviews were conducted with 25 participants to capture in-depth insights into how visual cues shape consumer perceptions, build trust, and influence purchase intentions. Thematic analysis of the data revealed three main findings: high-quality visuals evoke emotional responses that increase product appeal, UGC serves as a crucial factor in establishing trust and reducing purchase hesitation, and influencer endorsements significantly impact consumer decision-making by adding perceived value and trend relevance. These findings contribute to existing theories, such as the Stimulus-Organism-Response (S-O-R) model, by illustrating the diverse ways in which visual stimuli influence consumer behavior on emotional, social, and practical levels. Managerial implications include the strategic use of high-quality visuals, encouragement of UGC, and selection of authentic influencers to enhance consumer engagement and conversion. This study provides a comprehensive understanding of how visual marketing shapes consumer behavior in fashion e-commerce, offering valuable insights for both academic research and practical applications in the digital marketplace.
Analysis of Economic Vulnerability and Resilience of Communities Affected by Floods in Central Tapanuli, North Sumatra, and Aceh Bambang Sugiharto; H. Harkim; Maya Andriani; Syah Paradiba S. Sirait; Rejekia Vaizal Simanungkalit
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2299

Abstract

This study examines the economic vulnerability and resilience of flood-affected communities in Central Tapanuli, North Sumatra, and Aceh through a qualitative literature review based on published articles, reports, and relevant policy documents. The study analyzes key dimensions of vulnerability, including poverty, livelihood dependence, limited financial access, housing conditions, disaster exposure, and adaptive capacity. The findings show that economic vulnerability is strongly influenced by dependence on climate-sensitive livelihoods, weak household assets, and limited access to savings, credit, insurance, and formal recovery assistance. Although affected communities demonstrate adaptive responses such as temporary relocation, livelihood diversification, housing modification, social capital utilization, and informal cooperation networks, overall community resilience remains relatively weak, particularly in social and institutional dimensions. The study highlights that flood management policies should move beyond short-term emergency relief toward integrated strategies that strengthen local economic capacity, adaptive social protection, community-based early warning systems, and sustainable livelihood diversification. These findings contribute to disaster risk reduction studies by emphasizing the need for inclusive, locally grounded, and multidimensional policy responses to reduce flood-related economic vulnerability.
The Role of Islamic Financial Technology in Strengthening MSME Resilience and Ethical Financing Bambang Sugiharto; H. Harkim; Jenny Ester Pandiangan; Nickytha Linch De Hans Lumban Gaol
Golden Ratio of Auditing Research Vol. 6 No. 1 (2026): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v6i1.1811

Abstract

This study examines the role of Islamic financial technology (Islamic FinTech) in strengthening the resilience and ethical financing of micro, small, and medium enterprises (MSMEs). Employing a systematic literature review (SLR) of sixty-two academic and policy publications from 2015–2025, the research synthesizes key findings on how Sharia-based digital finance empowers MSMEs through inclusive, transparent, and sustainable mechanisms. The results show that Islamic FinTech enhances MSME resilience by facilitating access to Sharia-compliant financing, reducing transaction barriers, and promoting risk-sharing through mudharabah and musyarakah contracts. Furthermore, it integrates ethical values derived from maqāṣid al-sharīʿah, reinforcing justice, trust, and accountability in digital financial systems. The study also reveals that Islamic FinTech contributes to sustainable development by supporting gender inclusion, digital literacy, and environmentally responsible investment. Nevertheless, challenges remain in governance, financial literacy, and regulatory harmonization between Islamic law and technological innovation. The paper concludes that Islamic FinTech is not merely a digital intermediary but an ethical ecosystem that combines technology and faith to foster equitable, resilient, and sustainable economic growth. Future research should explore longitudinal case studies and cross-regional comparisons to assess the long-term social and financial impacts of Islamic FinTech in Muslim-majority economies.
Co-Authors Agus Marwan Bambang Sugiharto Jenny Ester Pandiangan Maya Andriani Nickytha Linch De Hans Lumban Gaol Rejekia Vaizal Simanungkalit Syah Paradiba S. Sirait