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All Journal Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Penelitian Ekonomi Manajemen dan Bisnis Jurnal Manajemen Bisnis Digital Terkini Outline Journal of Economic Studies
Rifqah Harahap
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Pengaruh Sistem Pembayaran Non Tunai, Infrastruktur Digital Dan Teknologi Digital Terhadap Pertumbuhan Ekonomi Di Sumatera Utara Muliana, Venessa; Josua Hutauruk; Dhani Verba Tarigan; Setiawan Zai; Merry Rusida S; Rifqah Harahap
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8362

Abstract

Penggunaan sistem pembayaran non-tunai kini semakin meluas di tengah masyarakat karena menawarkan kemudahan dalam melakukan transaksi keuangan. Metode ini, yang dikenal sebagai cashless, telah diadopsi di berbagai wilayah Sumatera Utara. Penerapan sistem ini terbukti memberikan dampak positif terhadap pertumbuhan ekonomi nasional. Transaksi yang berjalan lebih efisien turut mempercepat perputaran uang dalam perekonomian, sehingga mampu mendorong peningkatan aktivitas ekonomi secara keseluruhan. Keunggulan utama sistem ini terletak pada efisiensi dan keamanannya dalam melakukan pembayaran. Menurut laporan Badan Kebijakan Fiskal, masyarakat pengguna sistem pembayaran non-tunai merasakan berbagai manfaat, seperti kemudahan, kenyamanan, dan efisiensi dalam bertransaksi. Selain menguntungkan individu, sistem ini juga memberikan nilai tambah bagi pelaku usaha dan pemerintah. Bagi sektor usaha, penggunaan sistem digital dapat mengurangi biaya transaksi, sedangkan bagi pemerintah, sistem ini mempermudah pengawasan dan pengelolaan transaksi secara transparan dan sistematis. Lebih lanjut, sistem pembayaran digital diyakini berperan dalam menciptakan pertumbuhan ekonomi yang lebih merata dan inklusif, serta berkontribusi pada pengurangan angka kemiskinan. Berdasarkan data dari International Monetary Fund (IMF), Indonesia menempati posisi ketiga tertinggi di dunia dalam hal pertumbuhan ekonomi selama lima tahun terakhir, setelah India dan Tiongkok. Selain itu, angka kemiskinan serta pengangguran menunjukkan penurunan. Oleh karena itu, dapat dikatakan bahwa penerapan sistem pembayaran non-tunai membantu mendorong ekonomi dan meningkatkan kesejahteraan masyarakat.
Kajian Teoretis tentang Dampak Kebijakan Moneter terhadap Tingkat Inflasi di Negara Berkembang Berkat Jaya Zalukhu; Fajarman Lahagu; Jefrin Zalukhu; Rifqah Harahap
Jurnal Manajemen Bisnis Digital Terkini Vol. 2 No. 3 (2025): Juli : Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v2i3.660

Abstract

This article presents a theoretical review of the relationship between monetary policy and inflation rates in developing countries. High inflation remains a major challenge for developing economies due to global price fluctuations, import dependency, and weak domestic economic structures. Monetary policy instruments such as policy interest rates, open market operations, and reserve requirements play a vital role in controlling inflation, although their effectiveness is often hampered by shallow financial markets, low financial inclusion, and limited central bank credibility. Moreover, external factors such as imported inflation reduce the ability of monetary policy to maintain price stability. This study highlights the importance of digital innovation, including the use of big data, digital payment systems, and real-time analytics to enhance monetary policy effectiveness. It concludes that structural reforms, stronger central bank credibility, and strategic adoption of digital innovation are essential to achieve price stability and sustainable economic growth in the globalization era.
Pengaruh Kompetensi dan Etos Kerja terhadap Kinerja Pegawai Pengadilan Negeri Sidikalang Simamora Intan Cahaya Beta; Rifqah Harahap; Maduma Sari Sagala
Jurnal Penelitian Ekonomi Manajemen dan Bisnis Vol. 4 No. 4 (2025): Jurnal Penelitian Ekonomi Manajemen dan Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jekombis.v4i4.5566

Abstract

The problem in this study is employee performance at the Sidikalang District Court, where performance is suboptimal, and there are indications of a lack of work ethic and competence in several aspects. The purpose of this study is to determine the influence of competence and work ethic on employee performance at the Sidikalang District Court. This study used quantitative methods. The population and sample were 35 employees at the Sidikalang District Court. Sampling was conducted using a saturated sampling technique. Data sources in this study were primary and secondary data. Data collection methods in this study included observation, interviews, questionnaires, and documentation. Data analysis used multiple linear regression, with hypothesis testing (partial test, simultaneous test, coefficient of determination test) at the Sidikalang District Court. Data processing was performed using SPSS version 25. The results of the multiple linear regression test are Y = 1.332 + 0.415X1 + 0.345X2 + e which shows that competence and work ethic will improve employee performance. The results of the partial test (t-test) show that competence has a positive and significant effect on employee performance where it can be seen t count = 3.057> t table 2.036. And the work ethic variable also has a positive and significant effect on employee performance where it can be seen = 2.605> t table 2.036. The results of the simultaneous test (F test) can be seen the F count value = 96.771> t table 3.29, meaning that together competence and work ethic have a positive and significant effect on employee performance. The results of the determination coefficient with a correlation regression value of 0.849 (84,90%), so it can be said that 84,90 % of the variation of the independent variables, namely competence and work ethic in the model, explains the employee performance variable at the Sidikalang District Court while the remaining 15,1% is explained by other variables.
Analysis of Marketing Management Strategy and Economic Factors on MSME Sales Growth: Multiple Regression Analysis Amril; Muammar Rinaldi; Richna Handriyani; Rifqah Harahap; Hilma Harmen
Outline Journal of Economic Studies Vol. 4 No. 2: June-September 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/b7979z82

Abstract

This study aims to examine the influence of marketing management strategies and economic factors on the sales growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia using multiple regression analysis. The variables analyzed include product strategy, pricing, promotion, distribution, inflation, interest rates, and per capita income. Data were collected through interviews, observations, and document analysis involving selected MSME owners and relevant secondary sources. The results reveal that all variables have a significant impact on sales growth, with per capita income and promotional strategies showing the strongest influence. The analysis also indicates that internal business strategies, when aligned with favorable macroeconomic conditions, contribute to consistent sales increases. Additionally, the adoption of digital marketing tools and improved access to financial resources have strengthened MSMEs' competitiveness in the marketplace. The study underscores the importance of a holistic approach that integrates both marketing strategies and economic trend monitoring for sustainable MSME growth. These findings offer practical implications for policymakers and business owners in designing strategies that support MSME development in dynamic economic environments. Further research is recommended to include a broader sample and explore sector-specific trends for deeper insights.
Co-Authors Amril Berkat Jaya Zalukhu Dhani Verba Tarigan Fajarman Lahagu Hilma Harmen Jefrin Zalukhu Josua Hutauruk Maduma Sari Sagala Merry Rusida S Muammar Rinaldi Muliana, Venessa Richna Handriyani Setiawan Zai Simamora Intan Cahaya Beta