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All Journal Jurnal EMT KITA IKRA-ITH EKONOMIKA Journal on Education Jurnal Review Pendidikan dan Pengajaran (JRPP) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Indonesian Journal Economic Review (IJER) Jurnal Pengabdian Masyarakat dan Riset Pendidikan PESHUM Jurnal Manajemen dan Pemasaran Outline Journal of Economic Studies Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Shintami Oktavia
Universitas Negeri Medan
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Bibliometric Analysis of Financial Technology Adoption by MSMEs in Indonesia Nurkholik, Adam; Sitorus, Anggi Pratiwi; Oktavia, Shintami; Simanjuntak, Loranty Folia; Azhari, Shofwan Sasri; Sormin, Imanuddin Husayn; Gavriel, Lemuel Hezekiah; Evani, Ruthania; Tangkas, Maria Gabriel Oktriana
Jurnal EMT KITA Vol 10 No 2 (2026): APRIL 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i2.5892

Abstract

This research aims to map the knowledge architecture and research landscape regarding the adoption of financial technology by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Although MSMEs are vital to the national economy, contributing 61% of the GDP, a comprehensive understanding of research trends, collaboration networks, and thematic gaps remains fragmented. To bridge this gap, this study presents a helicopter view thru a comprehensive literature synthesis. This research uses a bibliometric analysis design. Data was collected from the leading database Dimension.ai using specific keywords. Then, the data was analyzed to visualize citation networks, co-authorship, and keyword mapping using VOSviewer software. The results revealed that the research focus was divided into three main thematic clusters: Cluster Red (Islamic fintech, P2P lending), Cluster Green (digital economy, technology adoption), and Cluster Blue (MSME performance and risk management). The collaboration network shows a strong pattern, dominated by key authors affiliated with major universities in Indonesia, such as Airlangga University and the University of Indonesia. Nevertheless, reputable international journals (Heliyon, Sustainability) remain the primary citation references, highlighting a gap between national research productivity and global citation rates. This research theoretically confirms the shift in fintech adoption research by incorporating contextual and structural dimensions.
Analisis Strategi Pemasaran pada PT Telkom Tbk Shintami Oktavia; Muhammad Baihaqi; Zaky Asdhika Sinaga; Teddy Ramaditya; Henriadi Hasibuan; Aldi Lumbanraja; Sri Ningsih Karnance; Hanna Maria Siagian
Journal on Education Vol. 7 No. 2 (2025): Journal on Education: Volume 7 Nomor 2 Tahun 2025 In Progress (Januari-Februari
Publisher : Mathematics Education Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i2.8335

Abstract

Information in a company is very important to support its continued development, so there is a reason that information is very much needed for a company. One of the companies that uses an integrated information system network to facilitate the running of the company's business is PT. Telkom is required to further improve the quality and quantity of its services in order to become the best telecommunications company in Indonesia and even the world, not only that, PT Telkom also realizes that there is an important role for human resources (HR) in helping the company to achieve its main goals, and in helping the company to achieve its main goals, and in its implementation must consider social, functional and employee interests.
Pengaruh Perubahan Harga Kebutuhan Pokok terhadap Pola Konsumsi Mahasiswa Perantau Program Studi Manajemen di Universitas Negeri Medan Mica Siar Meiriza; Shintami Oktavia; Paula Florensia Munthe; Evelyn Electra; Intan Lutfiah Maharani
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 5 No. 2 (2026): Mei : 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.v5i2.7035

Abstract

This study aims to analyze the effect of changes in basic commodity prices on the consumption patterns of migrant students from the Management Study Program, Class of 2025, at Medan State University. This research employs a quantitative approach using a survey method and purposive sampling technique, involving 50 respondents. Data were collected through questionnaires and analyzed using validity, reliability, normality, and linearity tests, as well as simple linear regression analysis. The results indicate that the research instruments are valid and reliable, and the data are normally distributed with a linear relationship between variables. The regression analysis shows that changes in basic commodity prices have a positive and significant effect on the consumption patterns of migrant students, with a regression coefficient of 0.595 and a significance value of 0.000 (< 0.05). The coefficient of determination (R²) of 0.338 indicates that 33.8% of the variation in students’ consumption patterns can be explained by changes in basic commodity prices, while the remaining is influenced by other factors outside the scope of this study. These findings suggest that migrant students tend to adjust their consumption patterns in response to changes in basic commodity prices.
Pengaruh Promosi dan Fitur Live-Shopping pada TikTok Shop terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Negeri Medan: Penelitian Mica Siar Meiriza; Shintami Oktavia; Kevin Chiu; Maely Septiana; Frista Susanti Gea; Fadhila Najwaa Shaabirah; Laura Betista Purba
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 April - Juni
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.7207

Abstract

Perkembangan social commerce melalui TikTok Shop telah mendorong perubahan perilaku konsumsi mahasiswa melalui promosi digital dan fitur Live-Shopping yang interaktif. Kondisi tersebut berpotensi meningkatkan perilaku konsumtif karena konsumen terdorong melakukan pembelian secara impulsif dan tidak terencana. Penelitian ini bertujuan untuk menganalisis pengaruh promosi dan fitur Live-Shopping TikTok Shop terhadap perilaku konsumtif mahasiswa Fakultas Ekonomi Universitas Negeri Medan. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif kausal. Teknik pengambilan sampel menggunakan purposive sampling dengan jumlah responden sebanyak 90 mahasiswa. Data dikumpulkan melalui penyebaran kuesioner online menggunakan skala Likert dan dianalisis menggunakan bantuan program SPSS melalui uji validitas, uji reliabilitas, uji asumsi klasik, dan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa promosi berpengaruh positif dan signifikan terhadap perilaku konsumtif dengan nilai thitung sebesar 3,029 dan signifikansi 0,003. Fitur Live-Shopping juga berpengaruh positif dan signifikan dengan nilai thitung sebesar 7,783 dan signifikansi <0,001. Secara simultan, kedua variabel berpengaruh signifikan terhadap perilaku konsumtif mahasiswa dengan nilai Adjusted R Square sebesar 0,485 atau 48,5%. Penelitian ini menunjukkan bahwa promosi dan fitur Live-Shopping TikTok Shop berperan dalam meningkatkan perilaku konsumtif mahasiswa di era digital.
Multiple Correlation Analysis of the Number of E-Commerce Entrepreneurs, Digital Literacy, and GDP per Capita on E-Commerce Transaction Value in Indonesia in 2020–2023 Loranty Folia Simanjuntak; Shintami Oktavia; Anggi Pratiwi Sitorus; Muhammad Alhasymi Matondang
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/yp6f4c72

Abstract

This study aims to evaluate the relationship between the number of e-commerce entrepreneurs, digital literacy level, and GDP per capita on the e-commerce transaction value in Indonesia from 2020 to 2023. The approach used in this research is multiple correlation analysis, using secondary data obtained from BPS, the Ministry of Communication and Information Technology, and the Indonesian E-Commerce Association (idEA). The findings of this study indicate that all three independent variables have a very strong relationship with the e-commerce transaction value, evidenced by an R² value of 1.000 which shows that 100% of the variance in transaction value can be explained by the combination of these three variables. In separate analysis, GDP per capita has the most significant impact (97.5%), followed by digital literacy (93.1%), and the number of e-commerce entrepreneurs (80.9%). This result indicates that the development of the digital economy in Indonesia is greatly influenced by the purchasing power of the community, understanding of digital technology, and the presence of online business actors.
The Impact of Digitalization of Payment Systems on Inflation Stability in Indonesia Shintami Oktavia; Loranty Folia Simanjuntak; Muhammad Alhasymi Matondang; Richna Handriyani
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/s8fkj958

Abstract

This study aims to analyze the impact of payment system digitization on inflation stability in Indonesia during the period 2015 - 2024 using a qualitative approach. The main focus of this research is to examine how digital transformation in the payment system, especially through the use of e-money, QRIS, debit cards, and credit cards can contribute to changes in transaction patterns in society and its implications for the inflation rate. Digital transformation in the national payment system, such as the increasing use of QRIS, e-money, and other non-cash payment methods has changed people's transaction behavior and strengthened the effectiveness of inflation control policies. Digitalization accelerates transaction efficiency, lowers the amount of distribution costs, and expands financial inclusion. It also collectively contributes to price stability. However, there are challenges such as digital infrastructure gaps and financial literacy that still need to be improved, so that the benefits of digitalization can be used by many people as users. The results of this study confirm that the digitization of payment systems is a strategic instrument in maintaining Indonesia's macroeconomic stability, as long as there is synergistic policy support and continuous education.
The Role of MSMEs in Driving the Regional Economy: A Case Study of Medan City Richna Handriyani; Shintami Oktavia; Evi Syuriani Harahap
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/n7nggh60

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have become the main driving force of the local economy in Indonesia, including in Medan City. As grassroots economic entities, MSMEs not only contribute significantly to the Gross Regional Domestic Product (GRDP), but also play a role in creating jobs, reducing social disparities, and accelerating the process of equitable development. This study is a literature review that aims to examine in depth the role of MSMEs in driving the regional economy in Medan City based on the results of the latest research published in national and international journals. The analysis was conducted on various aspects, such as the economic contribution of MSMEs, structural and policy challenges, the role of digitalization in increasing competitiveness, and the social impact on community welfare. The results of the study indicate that MSMEs in Medan City play a central role in economic development, but still face various obstacles such as access to financing, limited digitalization, and managerial limitations. Therefore, a strengthening strategy based on collaboration between MSME actors, local governments, financial institutions, and local communities is needed. This study provides a conceptual contribution in building a comprehensive understanding of the contribution of MSMEs as an instrument of sustainable regional development.
Digital Financial Readiness and Sustainable Economic Resilience of MSMEs: The Mediating Role of Islamic Sustainable Business Practices (ISBP) in Medan City Salman Munthe; Anggi Pratiwi Sitorus; Shintami Oktavia; Loranty Folia Simanjuntak
Indonesian Journal Economic Review (IJER) Vol. 6 No. 3 (2026): September
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ijer.v6i3.894

Abstract

Digital financial capability has become increasingly vital for the sustainability of micro, small, and medium enterprises (MSMEs). However, the contribution of this capability to resilience may depend on the governance and utilization of digital resources. This study investigates the impact of Digital Financial Readiness (DFR) on Sustainable Economic Resilience (SER), both directly and indirectly through Islamic Sustainable Business Practices (ISBP), among MSMEs in Medan City. A quantitative survey was conducted involving 320 MSME owners and managers selected through purposive sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with 5,000 bootstrap subsamples. The results indicate that DFR positively influences ISBP (β = 0.612, p < 0.001) and SER (β = 0.287, p < 0.001), while ISBP also has a positive effect on SER (β = 0.498, p < 0.001). Furthermore, ISBP significantly mediates the relationship between DFR and SER (indirect effect β = 0.305, p < 0.001), suggesting partial mediation. The model accounts for 59.6% of the variance in SER and demonstrates predictive relevance. These findings suggest that digital financial readiness enhances MSME resilience not only through improved financial and operational capabilities but also through Sharia-compliant, ethical, socially responsible, and environmentally sustainable business practices. The study offers context-specific implications for local government, financial institutions, and MSME development agencies in Medan City to integrate digital financial capacity building with Islamic sustainability-oriented business support.
BREAKING INTO THE RESIDENTIAL PROPERTY MARKET: DEVELOPING AN EFFECTIVE 7+1P MARKETING MODEL FOR CLOSING DEALS Tina Muhardika Handayani; Muammar Rinaldi; M. Asyari Syahab; Shintami Oktavia; Nazwa Aulia Putri Lubis
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 5 (2026): October (ON-PROGRESS)
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.22732186

Abstract

The objective of this study is to analyze the contribution of an expanded marketing mix, specifically the 7+1P model (Product, Price, Place, Promotion, People, Process, Physical Evidence, and Privacy), to the success of closing deals in subsidized housing in Medan City. The research utilizes a quantitative approach with descriptive and verification designs, involving a sample of 350 respondents including buyers, developers, and marketing personnel. Data were collected via closed questionnaires and analyzed through multiple linear regression using SPSS software. The results demonstrate that all elements of the 7+1P marketing mix Product, Price, Place, Promotion, People, Process, Physical Evidence, and Privacy have a positive and significant effect on closing deals both partially and simultaneously. The model explains 68% of the variation in closing success, with Privacy emerging as the most influential factor, followed by Product and Place. Consequently, it is recommended that developers strategically integrate privacy elements, such as personal data protection, digital transaction security, and residential environmental comfort, as key differentiators to build consumer trust. Furthermore, developers must continue to optimize product quality and strategic locations to remain competitive and meet the specific housing needs of low-income communities.
Co-Authors Adam Nurkholik Ageng Jihan Faradilla Ainul Mardhiyah, Ainul Aldi Lumbanraja AlFarisi, Mhd Rasyid Anggi Pratiwi Sitorus Aritonang, Friska Febiola Atikah, Dhiya Azhari, Shofwan Sasri Cecilia Miranda Lumbangaol Delfira, Asyifah Fauzah Dicky M.C Sinulingga Dita Eka Pertiwi Sirait Dita Masela Saragih Endang Sriwahyuni Sitompul Evani, Ruthania Evelyn Electra Evi Syuriani Harahap Fadhila Najwaa Shaabirah Faizah Khairani Srg Faizah Khairani Srg Farhan Farhan Farhan Farhan Fatio Dorisday Situmorang Fauzan, Itsqon Wafi Febrina Anak Ampun, Grace Analita Febrina Anak Ampun Friska Febiola Aritonang Frista Susanti Gea Gavriel, Lemuel Hezekiah Hanna Maria Siagian Hasiandra Simanjuntak Henriadi Hasibuan Hutapea, Nurlila azmi Ida Ayu Atika Putri Intan Lutfiah Maharani Iren Maulana Samosir Irma Bonita Simbolon Irvan Affandi Irvan Affandi Kevin Chiu Laura Betista Purba Loranty Folia Simanjuntak M. Asyari Syahab Maely Septiana Mahya Sabilillah Maya Martiza Sari Meiriza, Mica Siar Monica, Peby Muammar Rinaldi Muhammad Alhasymi Matondang Muhammad Baihaqi Muhammad Ikrom Nst Muhammad Ikrom Nst Nafidza Shadrina Nazwa Aulia Putri Lubis Nurjannah Nurjannah Nurjannah Nurjannah Panahatan Siagian, Nielsen Samuel Panjaitan, Ariel Imanuel Pardosi, Urbano I.R.S Paula Florensia Munthe Putri Sandrina Sitompul Radhika Narwastu Ramadani, Suci Ramadhani, Dilla Amelia Ratri Aulia Wijaya Richna Handriyani Salman Munthe Sebayang, Dira Febrina Siahaan, Robin Cornelius Simanungkalit, Nurul Amalyiah Simbolon, Irma Bonita Sitorus, Lasria Situngkir, Jenni Sormin, Imanuddin Husayn Sri Ningsih Karnance Tangkas, Maria Gabriel Oktriana Tarigan, Ayu Primsa Br Teddy Ramaditya Tiarasi G. Pakpahan Tina Muhardika Handayani Yeni Indriani Br Manurung Yuliarman, Putri Zahru Saritza Zahru Saritza Zaky Asdhika Sinaga