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THE SYSTEMATIC LITERATURE REVIEW OF THE IMPACT OF FINTECH IN ENCOURAGING GREEN INNOVATION IN MSMEs Sinaga, Royanti; Yunanda, Fayeno
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i2.20274

Abstract

This study investigates the role of fintech in promoting green innovation among Small and Medium Enterprises (SMEs) worldwide. This paper analyses various research studies and highlights key aspects of fintech’s contributing to sustainable business practices. Firstly, fintech supports access to finance through digital platforms and innovative financing models such as peer-to-peer lending (P2P), enabling SMEs to invest in environmentally friendly technologies. Secondly, green financing mechanisms such as crowdfunding and blockchain technology facilitate transparent and accountable investments in sustainable projects. Thirdly, fintech promotes the digitalization of business operation processes, increasing efficiency and reducing carbon footprints. Furthermore, fintech contributes to developing financial literacy, empowering SMEs to make better decisions about sustainable investments. The study also explores how fintech incentives, such as rewards for eco-friendly purchases, could drive consumer demand for sustainable products. To sum up, fintech plays a vital role in fostering green innovation among SMEs by providing better access to finance, promoting transparency, introducing eco-friendly technologies, and expanding market access. Keywords: Fintech; Green Innovation; MSMEs
The Influence of Financial Literacy, Salary, and Work Environment on Employee Job Satisfaction with Work Motivation as a Moderating Variable Sinaga, Royanti; Saragih, Nahar Maganda; Hazimah, Zulfa; Elyana, Mahlian
Jurnal Transformasi Digital dalam Ekonomi, Bisnis, dan Manajemen Vol. 1 No. 2 (2025): APRIL
Publisher : Pusat Riset, Yayasan Cinta Negara Indonesia

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Abstract

This study aims to analyze the effect of financial literacy, salary, and work environment on employee job satisfaction with work motivation as a moderating variable. The study was conducted at the Regional Development Planning Agency (Bappeda) of Deli Serdang Regency with a quantitative approach and census method on 89 respondents. Data processing used SmartPLS to test the structural model. The results showed that financial literacy had a positive and significant effect on work motivation, but did not have a significant effect on job satisfaction. Salary had a significant positive effect on job satisfaction, but was not significant on work motivation. The work environment had a significant negative effect on job satisfaction, but was not significant on work motivation. Meanwhile, work motivation did not show a significant effect on job satisfaction. These findings indicate that increasing financial literacy and perceptions of fair salary can increase employee motivation and job satisfaction, while poor work environment conditions can decrease job satisfaction.
Pelatihan Peningkatan Employee Engagement Pada Pegawai PT Pelindo Multi Terminal Medan Melalui Strategi Manajemen Talenta Saragih, Nahar Maganda; Sinaga, Royanti; Asti, Arsy Annisa
Jurnal SOLMA Vol. 14 No. 3 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v14i3.20325

Abstract

Pendahuluan: Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan keterlibatan pegawai (employee engagement) melalui pelatihan interaktif berbasis strategi manajemen talenta di PT Pelindo Multi Terminal. Pelatihan dilaksanakan selama dua hari (27–28 Mei 2025) dengan total durasi empat jam (2 jam per hari). Metode: Pemaparan materi, diskusi kelompok, refleksi, dan tanya jawab. Hasil: Penelitian menunjukkan bahwa nilai pretest 65% peserta berada pada tingkat keterikatan sedang, dan hanya 13% berada pada tingkat tinggi. Setelah pelatihan, keterikatan kerja meningkat secara signifikan, dengan 42% peserta mencapai tingkat tinggi dan peningkatan rerata skor UWES dari 3,41 menjadi 4,02 dengan nilai t(37) = 6,72; p < 0,001. Kesimpulan: Pelatihan yang dirancang secara kontekstual dan terstruktur berkontribusi positif terhadap peningkatan employee engagement, serta dapat dijadikan bagian dari strategi pembelajaran organisasi secara berkelanjutan.
Pengaruh Customer Relationship Management, Harga Dan Kreativitas Iklan Terhadap Keputusan Pembelian Konsumen (Studi Kasus Pada Konsumen Ace Hardware Medan) Nahar Maganda Saragih; Firman Syahputra; Sakina Balqis; Royanti Sinaga
Jurnal UMKM, Manajemen dan Akuntansi Vol. 1 No. 2 (2025): Februari 2025
Publisher : Universitas Battuta

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Abstract

Keputusan pembelian merupakan akar dari pencapaian sebuah penjualan yang mana pada keputusan pembelian berdampak terhadap perputaran dan keberlangsungan tiap-tiap organisasi. Keputusan pembelian merupakan salah satu bentuk perilaku konsumen didalam menggunakan suatu produk. Dalam menggunakan suatu produk untuk mengambil sebuah keputusan pembelian, konsumen akan melalui proses yang merupakan gambaran dari perilaku konsumen menganalisis berbagai macam pilihan untuk mengambil keputusan dalam melakukan pembelian. Target pembelian akan tercapai apabila atribut-atribut pendorong pembelian dipenuhi oleh perusahaan salah satu atribut tersebut yaitu customer relationship management, harga dan kreativitas iklan. Metode yang digunakan dalam penellitian ini adalah metode kuantitatif dengan Jumlah sampel yang ditetapkan sebanyak 97 responden. Analisis yang digunakan meliputi uji validitas, uji reliabilitas, uji asumsi klasik, dan uji analisis linier berganda dan koefisien determinasi. Hasil penelitian ini menunjukkan bahwa secara parsial customer relationship management tidak berpengaruh terhadap keputusan, namun untuk variabel harga dan kreativitas iklan berpengaruh positif dan signifikan secara parsial terhadap keputusan pembelian. Dan customer relationship management, harga dan kreativitas iklan berpengaruh positif dan signifikan secara simultan
Kajian Literatur tentang Tantangan dan Strategi Manajemen Krisis dalam Digital Marketing di Platform Media Sosial Royanti Sinaga
Jurnal Ilmiah Manajemen dan Bisnis (JIMBI) Vol. 1 No. 01 (2026): Januari
Publisher : Faatuatua Media Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70404/jimbi.v1i01.167

Abstract

Penelitian ini mengkaji tantangan dan strategi manajemen krisis dalam konteks digital marketing di platform media sosial. Latar belakangnya adalah semakin tingginya kecepatan penyebaran informasi baik positif maupun negatif yang dapat memengaruhi reputasi merek secara instan. Tujuan utama penelitian adalah (1) mengidentifikasi tantangan utama yang dihadapi pemasar digital saat menghadapi krisis di media sosial, dan (2) merumuskan strategi efektif untuk mitigasi dan pemulihan reputasi. Metode yang digunakan meliputi tinjauan pustaka sistematis atas artikel ilmiah terbitan 2021–2025, studi kasus krisis nyata di berbagai industri, serta analisis komparatif praktik terbaik. Hasil penelitian menunjukkan bahwa tantangan terbesar meliputi: persebaran misinformasi, eskalasi sentimen negatif, keterbatasan kontrol terhadap konten yang dibuat pengguna, dan kebutuhan respons real-time. Strategi yang direkomendasikan terdiri dari: penerapan sistem pemantauan dan deteksi dini berbasis AI, komunikasi transparan dan konsisten melalui saluran resmi, kolaborasi dengan influencer atau stakeholder kunci, serta protokol respons krisis yang sudah teruji dalam simulasi. Model manajemen krisis terintegrasi ini terbukti meningkatkan kecepatan respons, mengurangi dampak reputasional, dan membangun kepercayaan jangka panjang. Implikasi praktisnya memberikan panduan bagi tim pemasaran digital untuk menyiapkan rencana krisis yang adaptif dan terukur
Pelatihan Pengelolaan Keuangan dan Bisnis Digital untuk Meningkatkan Kemandirian Pelajar di Komunitas SOS Children’s Villages Indonesia Sinaga, Royanti; Sri Hartati Sidauruk; Muhammad Saleh
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v7i2.16677

Abstract

Perkembangan teknologi digital mengubah cara remaja mengelola keuangan dan menjalankan aktivitas ekonomi, namun banyak pelajar masih memiliki pemahaman yang rendah mengenai pengelolaan keuangan pribadi dan peluang bisnis digital. Kondisi tersebut juga dialami oleh pelajar di Komunitas SOS Children’s Villages Medan yang akrab dengan gawai dan transaksi daring, tetapi belum terbiasa menyusun anggaran, mencatat pengeluaran, serta memahami risiko penggunaan layanan keuangan digital. Penelitian ini bertujuan meningkatkan pemahaman pelajar mengenai konsep dasar pengelolaan keuangan dan pengenalan bisnis digital melalui program pelatihan terstruktur. Metode pelaksanaan mengikuti tahapan persiapan, analisis kebutuhan, penyusunan modul, pelatihan, serta evaluasi menggunakan rancangan one group pretest–posttest. Hasil kegiatan menunjukkan adanya peningkatan kemampuan peserta dalam memahami perencanaan keuangan dan dasar bisnis digital, tercermin dari kenaikan skor rata-rata dari 10,4 menjadi 16,6 dari skor maksimum 20. Peserta juga mulai mampu membedakan kebutuhan dan keinginan, menyusun anggaran sederhana, serta merancang ide bisnis digital yang relevan dengan kehidupan mereka. Simpulan penelitian menunjukkan bahwa pelatihan ini berkontribusi positif dalam membangun literasi keuangan dan minat kewirausahaan digital pada pelajar, meskipun pendampingan lanjutan masih diperlukan untuk memastikan perubahan perilaku yang berkelanjutan.
Manajemen Pertanian Pasca Covid-19: Analisis Variabel yang Mempengaruhi Keberlanjutan Sektor Pertanian Mutiha Aristo Ravel; Hendro Sutomo Ginting; Junerdi Nababan; Royanti Sinaga
Jurnal Minfo Polgan Vol. 14 No. 2 (2025): Artikel Penelitian
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/jmp.v14i2.15301

Abstract

Pandemi Covid-19 telah menimbulkan tantangan besar bagi perekonomian global, termasuk Indonesia, yang mengalami kontraksi signifikan. Namun, sektor pertanian menunjukkan resiliensi dengan tetap menjadi penopang ketahanan pangan dan perekonomian nasional. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keberlanjutan sektor pertanian pasca Covid-19, dengan menekankan empat variabel utama: adopsi teknologi digital, ketahanan rantai pasok, ketersediaan input pertanian, dan dukungan kebijakan pemerintah. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada 150 petani di delapan provinsi utama penghasil pangan di Indonesia, yang dipilih melalui teknik purposive sampling. Data dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS, disertai uji asumsi klasik, uji t, uji F, dan koefisien determinasi (R²). Hasil analisis menunjukkan bahwa seluruh variabel independen berpengaruh positif dan signifikan terhadap keberlanjutan sektor pertanian, baik secara parsial maupun simultan. Adopsi teknologi digital (X1) menjadi variabel paling dominan dengan koefisien Beta tertinggi, diikuti oleh dukungan kebijakan pemerintah, ketahanan rantai pasok, dan ketersediaan input pertanian. Nilai Adjusted R² sebesar 0,602 mengindikasikan bahwa 60,2% variasi keberlanjutan pertanian dapat dijelaskan oleh model, sedangkan sisanya dipengaruhi faktor lain di luar penelitian ini. Temuan ini menegaskan pentingnya strategi pembangunan pertanian pasca pandemi yang berorientasi pada transformasi digital, diversifikasi distribusi, ketersediaan input berkelanjutan, dan kebijakan pemerintah yang inklusif. Penelitian ini memberikan kontribusi praktis bagi pengambil kebijakan, pelaku usaha pertanian, dan pemangku kepentingan lain dalam merumuskan strategi adaptif untuk memperkuat ketahanan pangan dan keberlanjutan sektor pertanian di Indonesia.
Global Mapping of Sustainability Accounting and Green Supply Chain Research: A Bibliometric Analysis Arsy Annisa Asti; Royanti Sinaga
Jesya Vol 9 No 2 (2026): ARTICLES : RESEARCH JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2646

Abstract

This study addresses an underexplored research gap in the sustainability literature: despite the parallel growth of sustainability accounting (SA) and green supply chain management (GSCM) over the past two decades, their intellectual integration remains insufficiently mapped. Existing bibliometric reviews examine each domain in isolation, leaving the structural and thematic linkages between accounting-based sustainability measurement and supply chain-level environmental practices largely uncharted. This study fills this gap by conducting a comprehensive bibliometric analysis of 6,356 peer-reviewed journal articles indexed in Scopus (2005–2025) using VOSviewer. Beyond conventional bibliometric mapping, this study introduces a conceptual framework linking SA and GSCM through three bridging mechanisms: measurement, governance, and strategic alignment. The analysis covers publication trends, intellectual foundations (co-citation networks), thematic evolution (keyword co-occurrence and bibliographic coupling), and an overlay visualization of temporal keyword shifts. Findings reveal a post-2021 surge in publications, strong disciplinary anchoring in business, management, and environmental sciences, and the emergence of five integrated thematic clusters. A future research agenda is proposed across five emerging frontiers: AI for sustainability accounting, ESG analytics, blockchain-based sustainability reporting, green digital supply chains, and carbon accounting ecosystems. This study contributes conceptually by positioning SA as the measurement infrastructure of GSCM, theoretically by integrating institutional theory and resource-based view perspectives, and practically by offering implications for managers, policymakers, and researchers.
DO FIRM SIZE AND LEVERAGE AFFECT AUDIT QUALITY? EMPIRICAL FINDINGS FROM ENERGY SECTOR Junika Halawa; Royanti Sinaga
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): ON GOING
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7577

Abstract

Audit quality is an important element in maintaining the transparency and credibility of financial information in the capital market. The results of previous research showed inconsistent findings related to the influence of company size and leverage on audit quality, so further empirical testing is still needed. This study aims to empirically examine the influence of company size and leverage on audit quality in the energy sector, both partially and simultaneously. The research uses an explanatory quantitative approach with secondary data in the form of audited financial statements of companies listed on the Indonesia Stock Exchange for the period 2020–2024. The sampling technique uses purposive sampling. Data analysis was carried out using logistic regression with model feasibility testing through the Hosmer and Lemeshow Test, Nagelkerke R Square, Omnibus Test and multicollinearity test. The results of the study show that company size has a positive and significant effect on audit quality. Leverage also has a positive and significant effect on audit quality. Simultaneously, the size of the company and leverage had a significant effect on audit quality with the model's explainability of 60.3%. Companies with large asset sizes and high levels of leverage tend to use high-quality auditors to maintain the credibility of financial statements and meet the supervisory demands of stakeholders. This study was limited to the use of two independent variables, a specific observation period, and audit quality measurement that only used proxy affiliated with the Public Accounting Firm. Further research suggests adding other variables such as corporate governance, profitability, and business risk.
Enhancing Financial Literacy and Digital Product Skills Through Canva for Sultan Iskandar Muda Students Royanti Sinaga; Mahlian Elyana; M. Imam Santoso; Devi Purnama Sari
Yumary: Jurnal Pengabdian kepada Masyarakat Vol 6 No 4 (2026): Juni
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v6i4.6579

Abstract

Purpose: This community service study aimed to enhance financial literacy and digital product development skills using Canva among Yayasan Perguruan Sultan Iskandar Muda (YPSIM) Senior and Vocational High School students. Research Methodology: The program employed a Participatory Action Research (PAR) and service-learning approach involving 31 students. Data were collected through pre- and post-test questionnaires, observations, and documentation of students’ digital products. Results: The average financial literacy score increased from 2.89 to 4.13, indicating an improved financial understanding. Students also produced digital products, including logos, labels, and promotional content, demonstrating their basic design competencies and entrepreneurial potential. Conclusions: Integrating financial literacy education with digital skills training effectively improves students’ financial awareness and creativity. Limitations: The program was limited to implementation in only one school, which restricts the generalizability of the findings to broader educational contexts. In addition, the relatively small sample size may not fully represent the diversity of student characteristics and learning conditions. The short implementation period also limited the ability to observe long-term impacts of the intervention on students’ financial literacy development and digital skill retention over time. Contributions: This study provides a practical model for integrating financial literacy and digital skills to enhance students’ competencies in supporting readiness for the digital economy.