Garuda - Garba Rujukan Digital

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

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.

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.

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