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All Journal Niagawan Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Jurnal Promosi Pendidikan Ekonomi Jurnal EMT KITA Assets: Jurnal Akuntansi dan Pendidikan Dinamika Governance : Jurnal Ilmu Administrasi Negara Journal Of Management Science (JMAS) Jurnal Mantik Gema Wiralodra Jurnal Ilmiah Manajemen dan Bisnis Enrichment : Journal of Management Jurnal Manajemen Bisnis Eka Prasetya Jurnal Dinamika Administrasi Bisnis Jurnal Akuntansi Bisnis Eka Prasetya : Penelitian Ilmu Akuntansi JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Studi Ilmu Manajemen dan Organisasi Edu Cendikia: Jurnal Ilmiah Kependidikan International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) International Journal of Applied Finance and Business Studies Sulawesi Tenggara Educational Journal Journal of Social And Economics Research Outline Journal of Education LEBAH Outline Journal of Management and Accounting International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Indonesian Journal Economic Review (IJER) Innovative: Journal Of Social Science Research Jurnal Manajemen Dan Akuntansi Medan Journal of Law, Education and Business Journal of Management Accounting, Tax and Production Jurnal Media Akademik (JMA) Journal of Accounting Law Communication and Technology Rekognisi : Jurnal Pendidikan dan Kependidikan Economic: Journal Economic and Business Journal of Humanities Education Management Accounting and Transportation PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Jurnal Pengabdian Masyarakat Eka Prasetya Outline Journal of Economic Studies Outline Journal of Community Development International Journal for Advanced Research Jurnal Pemberdayaan Kepada Masyarakat WORLDVIEW ( Jurnal Ekonomi Bisnis dan Sosial Sains )
Muammar Rinaldi
Universitas Negeri Medan
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Kapabilitas Adopsi FinTech dan Kinerja Inovasi UMKM di Kota Medan: Peran Kompetensi Digital, Kepercayaan Platform, dan Efisiensi Transaksi Anggi Pratiwi Sitorus; Salman Munthe; Muammar Rinaldi; Rossy Pratiwy Sihombing; Rusiadi Rusiadi
Jurnal EMT KITA Vol 10 No 4 (2026): OCTOBER 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i4.7279

Abstract

This study examines how digital competence, platform trust, and transaction efficiency influence FinTech adoption capability and MSME innovation performance in Medan. Using a quantitative survey design, this study focuses on MSME owners and managers who use or have access to digital financial services. Digital competence reflects the ability to operate and integrate financial technology into business activities, while platform trust refers to confidence in the security, reliability, and credibility of FinTech services. Transaction efficiency captures perceived speed, convenience, and cost reduction in digital financial transactions. Data are analyzed using Structural Equation Modeling to test the direct effects of these factors on FinTech adoption capability and its subsequent effect on innovation performance. The expected findings indicate that MSMEs with stronger digital competence, higher platform trust, and greater transaction efficiency are more capable of adopting FinTech and improving innovation performance. This study contributes by positioning FinTech adoption capability as a strategic mechanism for strengthening MSME digital business innovation.
ANALISIS KETIMPANGAN PENDAPATAN, KEMISKINAN, DAN PERTUMBUHAN EKONOMI DI SUMATERA UTARA : SUATU TINJAUAN LITERATUR Fridayani M. Sitio; Hanna Hotmian Br Silalahi; Hotmaria Silva Dewi Naibaho; Eko Wahyu Nugrahadi; Muammar Rinaldi
Promosi: Jurnal Program Studi Pendidikan Ekonomi Vol 12 No 2 (2024): Promosi
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jp.v12i2.10107

Abstract

Income inequality and poverty are major problems for economic growth at both the national and regional levels. Economic growth, income inequality and poverty are prioritised to improve economic development. This study aims to determine the extent to which income inequality and poverty index affect the success of economic growth in North Sumatra. A review of 33 relevant articles from Sinta indexed journals shows that income inequality and poverty index are highly correlated with economic growth in North Sumatra. The study clearly states that higher economic growth will reduce the scale of income inequality and poverty in a region. Thus, this is a serious problem that requires special attention from the government. To overcome this problem, the government should focus on income equality. The achievement of income equality will contribute to the convenience of the community and the creation of community labour productivity. Therefore, fair and equitable income circulation can reduce social and economic problems such as poverty. With the achievement of these two indicators, it will be a huge capital in helping to achieve stable economic growth.
UTILIZATION OF DIGITAL MARKETING IN SUSTAINABLE TOURISM DEVELOPMENT IN PEMATANG JOHAR Muammar Rinaldi; Ihdina Gustina; Putri Wahyuni; Dedy Lazuardy
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 3 (2025): November 2025 - February 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19442560

Abstract

This community service activity aims to improve the digital capabilities of MSMEs and rice field tourism managers in Pematang Johar Village, Deli Serdang Regency, through the implementation of digital marketing to support sustainable tourism development. This village has significant potential in the agrotourism and local product sectors, but has not been fully optimized through technology-based promotional strategies. The activity was implemented using a participatory and educational approach, including preparation, training, mentoring, and evaluation. A total of 30 participants consisting of MSMEs and village tourism managers participated in training on creating digital business accounts, designing promotional content, and implementing marketing strategies through social media and marketplaces. Evaluation was carried out through pre- and post-tests to measure participants' understanding, as well as field observations of the practical application of the training outcomes. The results showed significant improvement, with 87% of participants able to operate digital promotional media independently. The implementation of digital marketing strategies had a positive impact on increasing local product sales by 40% and tourist visits by 25%. This activity demonstrated that digitalization of tourism promotion and MSMEs can strengthen the synergy between sustainable tourism and community economic empowerment, as well as create a technology-based, inclusive and sustainable tourism village development model.
IMPLEMENTATION OF THE FREE NUTRITIOUS MEAL PROGRAM: A SYSTEMATIC LITERATURE REVIEW Muammar Rinaldi; Joni Gusmali Agus Selayan; Susanna Silvia Sembiring; Cecep Indra Surawijaya; Heryanto Hulu
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 9 (2026): AUGUST
Publisher : RADJA PUBLIKA

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

Abstract

The Free Nutritious Meal Program (MBG) is a strategic initiative launched by the Indonesian government in January 2025 to accelerate stunting reduction and enhance human capital quality in support of the Indonesia Emas 2045 vision. This study aims to consolidate scientific evidence regarding MBG implementation through a Systematic Literature Review (SLR) following PRISMA 2020 guidelines. Literature searches conducted on the Scopus database yielded 11 articles that met the inclusion criteria for analysis. The findings demonstrate that the MBG program provides significant positive impacts across three main dimensions: health and nutrition (stunting prevention and food security), education (improved concentration, academic achievement, and attendance rates), and socio-economics (reduced household burdens and local economic empowerment through MSMEs). Program evaluation employs four indicator groups: health, education, governance, and socio-economic resilience. While substantial opportunities for long-term human resource development were identified, serious structural challenges remain, including logistical constraints in remote and underserved areas, infrastructure limitations, fiscal risks, and the need for governance transparency to prevent corruption. The success of MBG is highly dependent on the collaborative commitment of stakeholders in building an accountable and participatory governance system.
The Effect of Unemployment and Population on the Poor Population of North Sumatra Province in 2001-2020 Achmad; Avis; Mirnawati; Muhammad Nazly; Muammar Rinaldi
Outline Journal of Economic Studies Vol. 2 No. 2: April - September 2023
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/ojes.v2i2.92

Abstract

This study aims to analyze the effect of unemployment and population on poverty levels in North Sumatra Province from 2001 to 2020. The data used in this study are sourced from the Central Sumatra Statistics Agency and multiple linear regression analysis is used to analyze the relationship between independent variables (unemployment and population) with dependent variables (poverty level). The results showed that the unemployment variable had a positive and insignificant effect on the level of poverty, meaning that the higher the unemployment rate, the higher the poverty rate. While the variable population has a negative and significant effect on poverty, meaning that the more population, the lower the poverty rate. Keywords: Unemployment, Population, Poverty.
The Effect of Investment, Poor Resident, and International Tourists on Gross Regional Domestic Product In North Sumatera in 2001-2020 Anggi Kartika; Trisna Saputri; Reynalda Utari Karo-Karo; Romagiano Machario Sembiring; Muammar Rinaldi
Outline Journal of Economic Studies Vol. 3 No. 2: April - September 2024
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/ojes.v3i2.96

Abstract

This study aims to determine the effect of the investment sector, poor people, and foreign tourists on economic growth in North Sumatra. This research uses descriptive quantitative research methods. The data used in this study are secondary data and time series data for 2001-2020. The results in this study indicate that investment has a positive and significant effect on GRDP in North Sumatra, the poor have a negative and significant effect on GRDP in North Sumatra, foreign tourists have a positive and significant effect on GRDP in North Sumatra.
The Effect Of Poverty, Unemployment, And Investment On Economic Growth In The Province Of North Sumatera in 2001-2020 Muammar Rinaldi; Dwi Verasuna Manik; Nova Khairunisa Putri; Joshua Hutagalung; Rico Ramadhanu
Outline Journal of Economic Studies Vol. 3 No. 2: April - September 2024
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/ojes.v3i2.113

Abstract

The purpose of this study is to determine the effect of poverty, unemployment and investment on economic growth. Where this study uses time series data with the time period 2001-2020. The analytical method uses multiple linear regression with the Eviews program. The poor population variable has a negative and significant effect on poverty with a t-value of -3.225849 and Prob. of 0.0053 <0.05. Unemployment variable has a negative and insignificant effect on poverty with a t-value of -0.427385 and Prob. 0.6748 > 0.05. The investment variable has a positive and significant effect on poverty with a t-value of 7.932790 and Prob. of 0.0000 <0.05. In the final stage of the statistical test, it is known that the R2 squared value is 0.954978. This shows that the poor, unemployment, and investment are able to explain GRDP by 95%. And the remaining 5% is influenced by other variables not examined in this study.
Analysis of Marketing Management Strategy and Economic Factors on MSME Sales Growth: Multiple Regression Analysis Amril; Muammar Rinaldi; Richna Handriyani; Rifqah Harahap; Hilma Harmen
Outline Journal of Economic Studies Vol. 4 No. 2: April-September 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/b7979z82

Abstract

This study aims to examine the influence of marketing management strategies and economic factors on the sales growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia using multiple regression analysis. The variables analyzed include product strategy, pricing, promotion, distribution, inflation, interest rates, and per capita income. Data were collected through interviews, observations, and document analysis involving selected MSME owners and relevant secondary sources. The results reveal that all variables have a significant impact on sales growth, with per capita income and promotional strategies showing the strongest influence. The analysis also indicates that internal business strategies, when aligned with favorable macroeconomic conditions, contribute to consistent sales increases. Additionally, the adoption of digital marketing tools and improved access to financial resources have strengthened MSMEs' competitiveness in the marketplace. The study underscores the importance of a holistic approach that integrates both marketing strategies and economic trend monitoring for sustainable MSME growth. These findings offer practical implications for policymakers and business owners in designing strategies that support MSME development in dynamic economic environments. Further research is recommended to include a broader sample and explore sector-specific trends for deeper insights.
The Influence of Microeconomic-Based Pricing on Marketing Strategy and Consumer Behavior in a Perfectly Competitive Market Andi; Muammar Rinaldi; Muhammad Aldo
Outline Journal of Economic Studies Vol. 4 No. 2: April-September 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/fg58wn03

Abstract

Pricing is a crucial aspect of microeconomics that has broad implications for marketing strategies and consumer behavior, particularly in a perfectly competitive market structure. This study aims to analyze the influence of microeconomic-based pricing principles on marketing strategies and consumer behavior in a market characterized by multiple sellers, homogeneous products, and transparent pricing information. The research method used is a quantitative approach with multiple linear regression analysis techniques. The sample in this study consisted of 150 respondents, consisting of business actors and consumers in homogeneous goods sectors, such as food commodities and basic necessities. The analysis results show that pricing has a significant effect on marketing strategies and consumer behavior, both partially and simultaneously. Marketing strategy also acts as a mediating variable that strengthens the relationship between price and consumer behavior. The coefficient of determination value of 53.4% indicates that the independent variables in this study are able to explain more than half of the variation in consumer behavior. This finding emphasizes the importance of price as an economic signal in a perfectly competitive market and the need for integration between price efficiency and marketing strategy to maintain a competitive position. This study provides a practical contribution to business actors in formulating pricing policies that are responsive to market dynamics and oriented towards consumer preferences.
Promoting Tax Compliance In MSMEs: The Role of Taxpayer Awareness and Tax Sanctions Mela Novita Rizki; Irma Siagian; Muammar Rinaldi
Outline Journal of Economic Studies Vol. 5 No. 1: October - March 2026
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/jfpfhg21

Abstract

Purpose: This study examines how taxpayer awareness and tax sanctions affect tax compliance among MSMEs in Medan City, addressing variability in compliance driven by internal knowledge and external enforcement. Methods: A quantitative explanatory design using multiple linear regression was applied. Data were gathered from MSMEs operating at least one year via validated questionnaires, supplemented by brief interviews and secondary sources. Independent variables include taxpayer awareness, perceived sanctions, tax knowledge, and business size (log omzet). Regression diagnostics (VIF, normality, heteroskedasticity) and robust standard errors ensured model validity. Results: Results indicate taxpayer awareness has the strongest positive and statistically significant effect on compliance. Perceived tax sanctions also positively influence compliance but with smaller magnitude. Tax knowledge and business size contribute significantly as well. The model explains about 56% of variance in compliance (R² ≈ 0.56). Diagnostic checks show no major violations that would undermine inference, though researchers are advised to monitor multicollinearity and condition number in future studies. Conclusions: Improving MSME tax compliance in Medan requires integrated strategies that combine practical tax education and simplified administration with proportional, consistent enforcement. Awareness-building appears most effective for sustainable compliance gains. Originality/value: The study provides recent empirical evidence from Medan MSMEs using a validated regression framework, highlighting the relative importance of awareness, sanctions, and knowledge in shaping compliance and offering actionable guidance for local tax authorities.
Co-Authors Abdul Fatah Hassanudin Achmad Achmad Taufiq Adek apriyandi Adek Apriyandi Afrizal Afrizal Agung Yulianto Agus Rahmadsyah Agustiana, Intan Rizki Ahmad Braja Wahyu Ahmad Haris Hasanuddin Slamet Ainul Mardhiyah Ainun Saskia Nasution Amelia , Ananda Amelia, Regita Amril Amril Amril Ananda, Wizya Vita Andi Andi Angela Anggraini Anggi Kartika Anggi Pratiwi Sitorus Anggrini Manullang Anisa Fitria Sinaga Anton Eka Saputra Anton Eka Saputra Antonio Lodian Antonio Lodian Aprilda Yanti Armin Rahmansyah Nasution Atika Atayarisah Lubis Avis Ayu Alfiani Zega Azizul Kholis Azzahra, Nabila Bambang Sutejo Bambang Sutejo Bambang Sutejo, Bambang Bay Haqki Bernando Aldo Yosua Tambunan Br Silalahi, Hanna Hotmian Br Tarigan, Sri Wulandari Busiara, Abraham Cecep Indra Surawijaya Cinta Marito Simbolo Debi Masri Debi Masri Debi Masri, Debi Dedeng Irawan dedi irawan Dedi Lazuardi Dedy Lazuardi Dedy Lazuardy Desma Erica Maryati Manik Desry Rasmita Tarigan Deyren Firmansyah Diah Eka Sari Dianita, Ami Diki Purnomo Dionisius Sihombing Dwi Verasuna Manik Eko Wahyu Nugrahadi Eko Wahyu Nugrahadi Elisabeth Nainggolan Elisabeth Silaban Emmy Ermina Essi Laura Amanda Fadila Nisa Fadly, Nizamil Fahmi Ashari S. Sihaloho Fahrizi, Haikal Al Faziatul Amillia Mohamad Basir Fazira, Laila Era Febriana Verawaty Siagian Felix Felix Fildzah Darayani Mujasmara Fitri Yani Panggabean Fridayani M. Sitio Friera, Ambrosya Gaby P.F Tampubolon Gerry Morado Alfonsus Sirait3 Ginting, Era Mustika Gita Noveri Eza Haddad Alwi Haifa Azalia Pinem Halomoan Hutajulu HANDAYANI, TINA MUHARDIKA Hanna Hotmian Br Silalahi Harahap, Intan Hasibuan, Muhammad Rifqi Farhan Hasugian, Lola Alvita Henny Purnama Dewi Henny Purnama Dewi Hermansyah Hermansyah Hernita Siagian Heryanto Hulu Hidayat, Agus Rahmad Hidayati, Sabilah Hilma Harmen Hotman Siboro Hotmaria Silva Dewi Naibaho Ihdina Gustina Ihsan Effendi Iin Srimulyani Imamul Khaira Indra Maipita Indra Mawanta Ginting Indriani, Selvi Intan Harahap Irma Herliza Rizki Irma Herliza Rizki Irma Herliza Rizki Irma Siagian Irna Herliza Rizki Irwandi, Hafiz Izuddinsyah Siregar Joni Gusmali Agus Selayan Joshua Hutagalung Julia Maria Juliaya Maria Junaidi Lubis Junaidi Lubis Jupianus Sitepu Khafi Puddin, Khafi Lahagu, Putri Helena Leni Indrayani Limbong, Nikasyah Lokot Muda Harahap, Lokot Muda Lubis, Atika Atayarisah Lubis, Nazia Safira Lubis, Siti Chairani M Yudi Fajri M. Abdan Syahkura Anuradi M. Asyari Syahab Manalu, Christin Lince Natalia Manurung, Eka Valentina Manurung, Johanes Adrian Marpaung, Debora Tarigas Marshanda Hutagalung Mela Novita Rizki Mentari Rezeki Ramadhani Mesak Iek Meutia Fahrani Mirnawati Monalisa, Indah Monica Monica Muhammad Aldo Muhammad Bukhori Dalimunthe Muhammad Nazly Muhammad Ranu Al Habib Muhammad Ras Muis Muhammad Ras Muis Mujasmara, Fildzah Darayani Muliani, Rizka Munthe , Justin Theo Nabila Tijani Tharifah Nadapdap, Yemima Eleonore Naibaho, Hotmaria Silva Dewi Nanda Fridani Napitupulu, Venesia Nasution, Armin Rahmansyah Nasution, Putri Rahmadani Nasution, Risky Alhaq Nazwa Aulia Putri Lubis Nia Nutanesa Damanik Nico Nico Nisha Angelia Putri Noni Rozaini Nova Khairunisa Putri Novita Sari Br Kaban Nugrahadi, Eko Nur Azizah, Esyha Nur Wahyuni Nurjaman Nurjaman Oky Syahputra OKY SYAHPUTRA Oky syahputra Pane, Idrus Hamonangan Pane, Yonson Panggabean, Rebecka Tri Talita Panjaitan, Rona A. P. Parno Sumanro Mahulae Pasaribu, Gita Nurhalizah Penus Leonard Roningsih Sinurat Penus Sinurat Pratama, Muhammad Farid Pulungan, Fikri Ardiansyah puspitasari, angelin Putra, Irwansyah Putra Putri Mauliza, Putri Putri Wahyuni PUTRI WAHYUNI Putri Wahyuni Putri, Anggi Emalia Rahel Hutahaean Ramadhani, Nabila Rizki Rana Nabillah Rangga Restu Prayogo, Rangga Restu Ras Muis, Muhammad Raymon Pernando Pasaribu Rebecka Tri Talita Panggabean Renata Olivia Ginting Reynalda Utari Karo-Karo Rian Pasaribu Richna Handriani Richna Handriyani Rico Ramadhanu Rifqah Harahap Riris Amigo Simatupang Rizki Samora Muliana Rizsa Nabillah Romagiano Machario Sembiring Rossy Pratiwy Sihombing Rudi Hermansyah Sitorus Safitri, Laila Safitri, Maulinda Safitri, Putri Najwa Sakina Balqis Salman Munthe Sapma, Putri Nidia Saputra, Firman Sattar Rasul Selen Anggereyani Sesilia Ariska Shinta Feronica Shinta Shinta Shintami Oktavia Siburian, Rowinna Sienny Sienny Sihotang, Irene Chechilia Silaban, Elisabeth Sinaga, Anisa Fitria Sinurat, Evelyn Sitanggang, Enzelina Sitepu, Muhammad Rizal Sitio, Fridayani M. Situmorang, Frenky Situmorang, Irvan Rolyesh Sri Rejeki Sri Rezeki Sri Rezeki Sri Rezeki Srinahyanti Sudirman Sudirman Sudirman Sudirman Sugara, Wira Hadi Sugesti, Edwin Suharianto , Joko Susanna Silvia Sembiring Sutantio, Andy SYAHPUTRA, OKY Syahrani, Desi Syamsul Arifin Syaputra, Iqbal Sylvia Fahzannah Tambunan, Toman Sony Tampubolon, Novia Christiani Tiffanny Calista Susanto Tina Muhardika Handayani Tina Muhardika Handayani Tina Muhardika Handayani Tina Muhardika Handayani Tio Fanny Toman Sony Tambunan TRI WULANDARI Trisna Saputri Venus Situmeang Vingky Dwi Pratama Vivi Safira Widuta, Lara Winda Wardhani Yoshua, Bernando Aldo Yudho Wibowo Yusnita, Novi Cynthia Yuwanti Anlikie Zebar, A. Zulfa Afifah