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All Journal NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Neraca Manajemen, Akuntansi, dan Ekonomi
Anita Cerahma Siregar
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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OPTIMALISASI SISTEM PEMBAYARAN ELEKTRONIK: MEWUJUDKAN E-COMMERCE YANG EFISIEN DAN AMAN Anita Cerahma Siregar; Muhammad Irwan Padli Nasution
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 10 No. 10 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v10i10.7445

Abstract

E-commerce adalah proses belanja dan perdagangan online yang berkembang pesat yang mempengaruhi cara orang melakukan transaksi finansial dan non-finansial. Untuk pembayaran elektronik, gateway memainkan peran penting dalam memastikan transaksi yang aman dan bebas konflik. Banyak gateway saat ini menggunakan pihak ketiga untuk memberikan informasi pembayaran, namun penyedia web cloud tidak terlindungi. Makalah ini mengusulkan protokol pembayaran elektronik yang efisien dan aman yang memungkinkan konsumen berkomunikasi dengan pedagang tanpa mengungkapkan identitas asli mereka dan dapat menggunakan identitas sementara. Protokol ini telah terbukti meningkatkan keamanan dalam hal privasi, keandalan, non-penyangkalan,anonimitas,otentikasi,dan otentikasi.
Pemberdayaan Ibu Rumah Tangga Melalui Pelatihan Pembuatan Sabun Cuci Piring Ramah Lingkungan di Desa Kuta Parit Anita Cerahma Siregar; Siti Nur Hasanah; Hayathun Maira; Reva Kirana Putri; Khairul Ikhsan Absy; Zulpahmi Lubis
Nusantara: Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 2 (2026): Mei : NUSANTARA Jurnal Pengabdian Kepada Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/nusantara.v6i2.8394

Abstract

This Community Service Program (Kuliah Kerja Nyata/KKN) aimed to empower housewives through environmentally friendly dishwashing liquid production training in Kuta Parit Village, Selesai Subdistrict, Langkat Regency, responding to limited female participation in productive economic activities and increasing demand for safe household cleaning products. The program sought to enhance skills, knowledge, and economic independence among women while promoting health and environmental sustainability. A descriptive qualitative approach was applied, using observation, informal interviews, and documentation conducted during program implementation. Activity stages included education on eco-friendly soap concepts, introduction to materials and their functions, demonstrations of the production process, and hands-on practice sessions involving participants directly. KKN students served as facilitators and mentors, ensuring participants comprehended each step and were able to replicate the process independently. The results indicated that housewives successfully produced liquid dishwashing soap suitable for daily household use with acceptable quality. Beyond technical skill improvement, the program stimulated entrepreneurial motivation, strengthened confidence, and created opportunities for developing home-based microenterprises using eco-friendly products. Overall, this KKN activity contributed positively to women’s economic empowerment while supporting cleaner living practices within the community.
Pengaruh Gaya Hidup, Pendapatan, Religiusitas, dan Kepercayaan terhadap Keputusan Berasuransi Syariah pada Generasi Milenial di Kota Medan Anita Cerahma Siregar; Tri Inda Fadhila Rahma; Isnaini Harahap
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3295

Abstract

This study aims to investigate how lifestyle, income, religiosity, and trust influence the decision of millennials in Medan City to choose Islamic insurance. A quantitative approach was adopted using an explanatory research design. The study focused on millennials aged 30 to 45 years, with a sample of 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach through SmartPLS 4. The results indicate that lifestyle and income have a positive and significant influence on the decision to choose Islamic insurance. In contrast, religiosity and trust do not have a significant influence on the decision. The R-Square value of 0.570 indicates that the independent variables explain 57% of the variation in the decision to use Islamic insurance, while the remaining 43% is explained by other factors outside the research model. These findings indicate that financial factors have a more prominent role than non-financial factors in influencing millennials’ decisions to choose Islamic insurance.
Co-Authors Hayathun Maira Isnaini Harahap Khairul Ikhsan Absy Nasution, Muhammad Irwan Padli Reva Kirana Putri Siti Nur Hasanah Tri Inda Fadhila Rahma Zulpahmi Lubis