Garuda - Garba Rujukan Digital

PEMANFAATAN PEMBAYARAN DIGITAL PADA UMKM DI SAMOSIR Anne Rumondang Malau; Frederick Saroha Silaban
Jurnal Abdimas Bina Bangsa Vol. 4 No. 1 (2023): Jurnal Abdimas Bina Bangsa
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jabb.v4i1.493

The development of information and communication technology moves very quickly, the world has seen how advances in information and communication technology can change people and the world's economic order. In general, UMKM players in the Samosir district still use cash in transactions, so they do not provide payment options for visitors or tourists. Therefore, along with the development of digital payments, UMKM players must be able to have payment options through digital payment channels. The purpose of this community service is to help the community or UMKM players in Samosir Regency to be able to adapt to the digitalization era where transactions use digital transactions. Thus, payment transactions can be made more efficiently or affordably, financial inclusion in Indonesia can be accelerated, and UMKM players can become more sophisticated, all of which contribute to economic growth. Guidance and direction to become human resources who think innovatively and have a creative spirit are needed to become an important capital in facing competition

The impact of shopping attributes and online shopping experience on customer loyalty with satisfaction as a mediation in the e-commerce shopee Pitta Tresia Simangunsong; Romindo Pasaribu; Jusmer Sihotang; Frederick Saroha Silaban
International Journal of Applied Finance and Business Studies Vol. 11 No. 3 (2023): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i3.157

Along with the rise of internet users and digital applications, e-commerce has begun to attract many people. One of the marketplace applications that is currently being used is Shopee. Shopee is one of many parties taking advantage of e-commerce business opportunities by enlivening the mobile marketplace segment through their mobile application to facilitate buying and selling transactions via mobile devices. Loyalty is a measure of how likely customers will switch to other e-commerce. For this reason, company management is needed so that they can determine the marketing strategy that will be used in the future appropriately. Furthermore, the satisfaction variable is used as a mediating variable to increase consumer loyalty to the use of shopee. Data collection was carried out online through the Google Forms model with 200 available respondents. Structural Equation Modeling (SEM) analysis is used to test the measurement and structural models through Smart-PLS 3.0. The results of this study indicate that the 7 hypotheses are accepted which proves that all hypotheses have a positive and significant effect on each other.

THE USE OF QRIS PAYMENTS FOR ULOS WEAVERS IN SIGAOL VILLAGE, ULUAN DISTRICT, REGENCY. TOBA Silaban, Frederick Saroha; Silaban, Pasaman; Simanjuntak, Sabriana
Jurnal Sinergitas PKM & CSR Vol. 8 No. 3 (2024): DECEMBER
Publisher : Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/jspc.v8i3.8738

Digitalization has penetrated into various aspects of life, including in financial transactions. This community service aims to help ulos weavers in Sigaol Village, Uluan District, Toba Regency, in adapting to the use of digital payments through QRIS (Quick Response Code Indonesian Standard). This program uses a socialization and hands-on training approach. The socialization was carried out to provide a basic understanding of QRIS and its benefits, while the direct training was focused on how to use the QRIS application in daily transactions. In addition, technical assistance is also provided to ensure that weavers can use this technology smoothly. Results With the implementation of QRIS payments, ulos weavers in Sigaol Village can make transactions digitally more easily and quickly. This not only makes the payment process more practical, efficient, and effective, but also increases financial inclusion and strengthens the local economy. Through this activity, weavers are expected to be able to increase their competitiveness in a wider market, while authors get the opportunity to contribute directly to community empowerment.

Analisis Kinerja Penjualan UMKM Melalui Keunggulan Kompetitif Dalam Konteks Pengunaan Digitalisasi Silaban, Pasaman; Silaban, Frederick Saroha; Steven, Orlando; Nababan, Youkki
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 2 (2024): November 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i2.6104

The COVID-19 pandemic has had a major impact on many industries, including the economy. Indonesia's economic and business sectors have been hit hard by the Covid-19 outbreak. Many micro, small and medium enterprises (MSMEs) are confused because their companies are hindered and cannot even develop. The position of MSMEs is considered very significant because this sector is not only a source of livelihood, but also provides direct and indirect employment opportunities to people with relatively low levels of knowledge and skills. The purpose of this study is to measure and examine the variable ability of usage of e-commerce, usage of QRIS, in increasing competitive advantage and will ultimately improve the sales performance of MSME players in Medan city. This type of research is descriptive quantitative. This study aims to describe or describe the factors that influence Competitive Advantage such as Usage E-Commerce, Usage QRIS (mediating variable), and Sales Performance (mediator variable). The research location is in Medan City. The research time starts in April 2024 to July 2024. The number of samples or respondents in this study were 150 respondents. Data analysis to answer the hypothesis proposed using the Partial Least Square (PLS) method with the help of SmartPLS software version 3. The results concluded that based on the hypothesis of the direct effect of usage of QRIS, positively and significantly predicts competitive advantage with a value of 0.001 <0.005 and also Usage of QRIS positively and significantly predicts Sales Performances with a value of 0.000 <0.005.

MEASURING UMKM SALES PERFORMANCE THROUGH COMPETITIVE ADVANTAGE: IN THE CONTEXT OF DIGITALIZATION USE IN MEDAN CITY Simanjuntak, Agus N.; Silaban, Frederick Saroha; Steven, Orlando; Simanjuntak, Sabriana S.
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 12 No. 2 (2024)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v12i2.646

The COVID-19 pandemic has had a major impact on many industries, including the economy. Indonesia's economic and business sectors have been hit hard by the Covid-19 outbreak. Many micro, small and medium enterprises (MSMEs) are confused because their companies are blocked and cannot even develop. Globally, supply chains have weakened due to the impact of Covid-19, commodity prices have plummeted, and the possibility of a global economic crisis is increasing. The widespread spread of the corona virus or Covid-19 is starting to impact more than half of the cooperatives and Small and Medium Enterprises in North Sumatra. There are around 2.8 million MSMEs in northern Sumatra, but no more than 20% of those who have permits or licenses at the Cooperative Office are around, 380,000. The position of MSMEs is considered very significant because this sector is not only a source of livelihood, but also provides direct and indirect employment opportunities to people with relatively low levels of knowledge and skills. The payment system industry developed the Quick Response Code Indonesia Standard (QRIS) together with Bank Indonesia (BI) to make processing transactions using QR codes easier, faster and more efficient. Based on the existing conditions, the aim of this research is to improve the digital payment system to improve the sales performance of MSMEs in the city of Medan. The aim of this research is to measure and examine the ability of the variables usage of e-commerce, usage of QRIS, digitalization transformation in increasing competitive advantage and ultimately increasing the sales performance of MSME players in the city of Medan. The research results conclude that usage of e-commerce, usage of qris, digital transformation positively and significantly predict competitive advantage. Apart from that, this research also confirms that digital transformation positively and significantly predicts sales performance.

INTERNAL RISK FACTORS IN CREDIT DISTRIBUTION Silaban, Pasaman; Silaban, Frederick Saroha; Sihombing, Eriko
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 12 No. 2 (2024)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v12i2.667

Rural Banks in North Sumatra Province during the 2017-2021 period experienced an increase in the amount of credit disbursed to the public, but it was not significant, where there were microeconomic factors that influenced the increase in the amount of credit, such as decreasing CAR, increasing NPL and decreasing LDR value will affect BPR's ability to maximize the amount of funds to distribute credit in the future even though third party funds increase during 2017-2021. This research aims to find out what internal risk variables are, namely variables CAR, third party funds, NPL, LDR directly, partially or simultaneously influence the amount of credit that will be distributed by BPRs in North Sumatra Province. This research uses quantitative research methods using panel data regression analysis using the eviews application, where the data used is secondary data originating from the financial reports of 53 BPRs in North Sumatra Province, where this data is collected from microeconomic aspects such as Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR).

PENGARUHI KUALITAS PELAYANAN JASA GOJEK TERHADAP KEPUASAN PELANGGAN DI KOTA MEDAN Silaban, Frederick Saroha; Silaban, Pasaman
Jurnal Manajemen dan Bisnis Volume 24 No. 1 Tahun 2024
Publisher : UNIKA Santo Thomas

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This research aims to investigate the influence of service quality consisting of responsiveness, guarantee, physical evidence, empathy and reliability on customer satisfaction. This research collected data using a questionnaire method and conducted a survey of 210 consumers who had experience using Gojek services in Medan City. Data analysis was carried out using a multiple regression approach using SPSS Version 25 software. The results show that of the five dimensions of service quality, only two aspects, namely responsiveness and reliability, can increase satisfaction. Meanwhile, the other three dimensions of service quality, namely guarantee, physical evidence and empathy, cannot increase consumer satisfaction.

PENGARUHI KUALITAS PELAYANAN JASA GOJEK TERHADAP KEPUASAN PELANGGAN DI KOTA MEDAN Silaban, Frederick Saroha; Silaban, Pasaman
Jurnal Manajemen dan Bisnis Volume 24 No. 1 Tahun 2024
Publisher : UNIKA Santo Thomas

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

This research aims to investigate the influence of service quality consisting of responsiveness, guarantee, physical evidence, empathy and reliability on customer satisfaction. This research collected data using a questionnaire method and conducted a survey of 210 consumers who had experience using Gojek services in Medan City. Data analysis was carried out using a multiple regression approach using SPSS Version 25 software. The results show that of the five dimensions of service quality, only two aspects, namely responsiveness and reliability, can increase satisfaction. Meanwhile, the other three dimensions of service quality, namely guarantee, physical evidence and empathy, cannot increase consumer satisfaction.

PENGGUNAAN PEMBAYARAN QRIS BAGI PENENUN LEO ULOS KOTA PEMATANG SIANTAR Frederick Saroha Silaban; Pasaman Silaban; Sabriana Simanjuntak
KAIZEN : JURNAL PENGABDIAN PADA MASYARAKAT Volume 3 Nomor 1 Juli 2024
Publisher : LPPM Universitas Katolik Santo Thomas Medan

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Perkembangan teknologi informasi dan komunikasi bergerak dengan sangat cepat, membawa perubahan besar dalam kehidupan manusia dan tatanan ekonomi dunia. Inovasi yang cepat dan dinamis menghasilkan produk-produk baru yang mampu menggantikan produk kurang inovatif. Salah satu perkembangan teknologi yang signifikan saat ini adalah dalam sistem pembayaran. Kegiatan transaksi keuangan sehari-hari kini banyak dilakukan melalui gadget untuk memudahkan dan mempercepat akses. Hal ini mendorong inovasi dalam pengembangan financial technology (fintech) yang dapat dengan mudah menyesuaikan kebutuhan penggunanya. Salah satu hasil perkembangan fintech yang dirasakan masyarakat adalah perubahan bentuk uang dari uang kertas dan logam menjadi electronic money (e-money). Fenomena meningkatnya penggunaan dompet digital selama pandemi COVID-19 mengindikasikan bahwa masyarakat telah menerima aplikasi pembayaran dompet digital untuk menunjang transaksi sehari-hari. Perubahan ini penting karena mengarah pada perubahan perilaku dan budaya masyarakat dalam bertransaksi secara nontunai (Less Cash Society). Fenomena ini juga menarik perhatian peneliti untuk memahami faktor-faktor yang mempengaruhi peningkatan minat penggunaan dompet digital melalui pendekatan Technology Acceptance Model (TAM), yang sering digunakan untuk mengetahui tingkat penerimaan individu terhadap teknologi tertentu. Pada umumnya, pelaku UMKM di CV Leo Ulos masih menggunakan uang tunai dalam bertransaksi, sehingga tidak memberikan pilihan pembayaran bagi pengunjung atau wisatawan. Oleh karena itu, seiring dengan perkembangan pembayaran digital, para pelaku UMKM harus dapat menyediakan pilihan pembayaran melalui kanal pembayaran digital

Peran Green Marketing Mix terhadap Green Consumer Behavior pada Produk Eco-label Damanik, Hanna Meilani; Steven, Orlando; Silaban, Frederick Saroha; Sipayung, Paingotwin Radison
Jurnal Ekonomi Efektif Vol. 7 No. 1 (2024): JURNAL EKONOMI EFEKTIF
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JEE.v7i1.43787

Tujuan dari penelitian ini adalah untuk memberikan wawasan bermanfaat bagi perusahaan dalam mengembangkan strategi pemasaran mereka sehingga dapat memberikan manfaat bagi dunia akademis maupun praktis di mana conceptual framework yang diajukan dapat memberikan kontribusi dan tambahan literatur terkait green marketing, serta berimplikasi positif bagi para pemasar produk ramah lingkungan. Penelitian ini bertujuan menganalisa faktor-faktor yang mendorong Green Consumer Behaviour pada produk ber eco-label. Teknik sampling yang digunakan adalah purposive sampling dan sebanyak 150 responden berpartisipasi dalam penelitian ini. Penelitian ini termasuk dalam jenis penelitian kuantitatif. Data yang digunakan adalah data primer yang diperoleh melalui kuesioner yang dibagikan oleh peneliti dengan pengambilan sampel berdasarkan kriteria yang telah ditentukan. Penelitian ini menggunakan analisis jalur dengan Partial Leasts Square (PLS) sebagai metode analisis. Data yang terkumpul dianalisa menggunakan bantuan software SmartPls versi 3.3.

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