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All Journal Jurnal EK dan BI Moneter : Jurnal Keuangan dan Perbankan
Purba, Febri Andriawan
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Computer Science & IT Economics, Econometrics & Finance

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PERAN SISTEM PEMBAYARAN DIGITAL DALAM MENINGKATKAN PRODUKTIVITAS USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) DI KECAMATAN MEDAN PERJUANGAN Purba, Febri Andriawan; Nasution, Hafizah Mahira; Siregar, Nur Hasanah; Lubis, Sri Nikmah Tullah; Wulandari, Sari
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1879

Abstract

As technology advances, digital payment solutions have emerged as a practical way to streamline transactions and boost MSMEs' operational effectiveness. Data from MSME actors in the area is gathered for this study using a quantitative methodology and survey method. According to the study's findings, MSME productivity is positively impacted by the use of digital payment systems like e-wallets and QRIS. Companies report faster transactions, lower operating expenses, and easier access to larger markets. In addition, digital payment methods contribute to more transparent and accurate financial records. The study's conclusions include the necessity of educating and training MSME participants on the usage of digital payment systems, as well as government and financial institution assistance to promote the technology's uptake. It is envisaged that by taking these actions, Medan Perjuangan District MSMEs will be able to utilize the digital payment system to its full potential and boost their company's sustainability and competitiveness.
Islamic Economic-Based Home Industry Development Strategy Using SOAR Analysis Purba, Febri Andriawan; Yanti, Nursantri; Ilhami Nasution, Muhammad lathief
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to analyze the development strategy of home industries based on Islamic economics using the SOAR (Strengths, Opportunities, Aspirations, and Results) analysis approach, with a case study on the rattan basket business in Kualuh Selatan District. The rattan basket home industry has significant economic potential due to its foundation in local wisdom and alignment with Islamic economic principles such as justice, blessing, and collective welfare. This research uses a qualitative method with data collected through literature reviews and direct interviews with local craftsmen. The findings indicate that the main strengths of the business lie in the availability of raw materials and the skills of the artisans, while opportunities include increasing market demand and government support. The result is this business relies on traditional skills and local raw materials, and makes a significant economic contribution to the surrounding community. However, various obstacles remain, such as limited capital, traditional equipment, and limited market access. Using the SOAR (Strengths, Opportunities, Aspirations, Results) analysis approach, this study shows that internal strengths such as artisan skills and abundant raw materials can be combined with external opportunities such as government support and digital marketing. The aspiration to improve product quality, expand employment opportunities, and introduce modern technology are the main drivers for this business’s development.
Co-Authors Ilhami Nasution, Muhammad lathief Lubis, Sri Nikmah Tullah Nasution, Hafizah Mahira Nursantri Yanti Sari Wulandari Siregar, Nur Hasanah