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All Journal Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis Management Studies and Business Journal
Makalisang, Meiland
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science

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Digital Transformation of MSMEs: Navigating Opportunities and Challenges in the Industry 4.0 Era Lapian, Stanss. L. H. V. Joyce; Mandey, Silvya L.; Tumbuan , Willem J. F. A.; Ogi, Imelda W. J.; Suripatty, Roberthair; Winarsih; Makalisang, Meiland; Ormak, Naomi
Public Policy Jurnal Aplikasi Kebijakan Publik dan Bisnis
Publisher : Lembaga Penelitian & Pengabdian Masyarakat (LPPM) STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51135/PublicPolicy.v6.i2.p288-301

Abstract

This study examines the opportunities and challenges encountered by Micro, Small, and Medium Enterprises (MSMEs) in adopting digital technologies within the framework of the Fourth Industrial Revolution. Digital platforms present numerous benefits, including enhanced operational efficiency, expanded market reach, and increased potential for innovation. Nevertheless, MSMEs face several obstacles, such as inadequate infrastructure, limited digital skills, financial constraints, and concerns related to cybersecurity. To mitigate these challenges, the study recommends continuous digital training, infrastructure development, improved access to financing, and comprehensive cybersecurity awareness programs. These strategic initiatives are intended to support MSMEs in effectively navigating digital transformation, enhancing their competitiveness, and achieving long-term sustainability in the global digital economy.
Tourism in the Era of Industry 4.0: Harnessing Digital Storytelling and Social Media for Effective Promotion Lapian, Stanss. L. H. V. Joyce; Mandey, Silvya L.; Tumbuan , Willem J. F. A.; Ogi, Imelda W. J.; Syam, Darmawati; Rindengan , Yaulie; Ambaho, Yance; Suripatty, Roberthair; Winarsih; Makalisang, Meiland; Ormak, Naomi
Public Policy Jurnal Aplikasi Kebijakan Publik dan Bisnis
Publisher : Lembaga Penelitian & Pengabdian Masyarakat (LPPM) STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51135/PublicPolicy.v6.i2.p302-316

Abstract

Digital technology has transformed tourism promotion, especially through digital marketing and storytelling. The COVID-19 pandemic accelerated the use of social media and e-commerce, with storytelling helping build emotional connections and improve destination images. In Indonesia, the Ministry of Tourism uses platforms like TikTok and Instagram for this purpose. Research in West Papua Barat Daya shows that short videos, photos, and blogs effectively raise awareness and attract tourists. Despite challenges like limited infrastructure and skills, digital storytelling remains a powerful and sustainable tool for tourism promotion.
THE EFFECT OF NON CASH PAYMENT SYSTEM ON CUSTOMER COMPLIANCE IN LOAN REPAYMENT AT PT. PEGADAIAN BOSWESEN BRANCH Makalisang, Meiland; Lengkong, Viktor; Pandowo, Merinda H. Ch.; Lumintang, Genita G.; Mintardjo, Christoffel M. O.
Management Studies and Business Journal (PRODUCTIVITY) Vol. 2 No. 8 (2025): Management Studies and Business Journal (PRODUCTIVITY)
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/m0d16g37

Abstract

The digitalization of financial services has driven the increased use of non-cash payment systems at various financial institutions, including PT. Pegadaian. However, customer compliance in repaying loans remains suboptimal. This study aims to analyze the effect of non-cash payment systems on customer compliance in repaying loans at PT. Pegadaian, Boswesen Branch. Using a quantitative approach with simple linear regression analysis, this study processed data collected through a structured questionnaire from gold pawn customers. The results showed that the use of non-cash payment systems did not significantly impact customer compliance. This finding indicates that compliance is more determined by factors other than the use of payment technology, such as financial awareness, understanding of payment obligations, and level of trust in the institution. This study recommends that further studies consider psychological, behavioral, and financial literacy variables to gain a more comprehensive understanding of the determinants of customer compliance.
Co-Authors Ambaho, Yance Christoffel M. O. Mintardjo, Christoffel M. O. Genita G. Lumintang, Genita G. Lapian, Stanss. L. H. V. Joyce Lengkong, Viktor Merinda H. Ch. Pandowo Ogi, Imelda W. J. Ormak, Naomi Rindengan , Yaulie Silvya L. Mandey Suripatty, Roberthair Syam, Darmawati Tumbuan , Willem J. F. A. WINARSIH