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All Journal Journal of Artificial Intelligence and Digital Business Jurnal Ekonomi Bisnis dan Kewirausahaan
Dwivo Monica Risqi Putri
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Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Other

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PERSEPSI MAHASISWA MENGENAI PROMOSI CASHBACK DAN LAYANAN PAYLATER DALAM MEMBENTUK POLA KONSUMSI Alisa Hidayatun Nafi’ah; Ayu Widia Wulandari; Cahya Fitryningtyas; Debby Mardhatillah; Dian Fatimah; Dita Aisyah; Dwivo Monica Risqi Putri; Lutfiyah Qilfa Khairil Aini; Risma Wardani
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 2 No. 4 (2025): Agustus : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/rf7v9s81

Abstract

This study examines students' perceptions of cashback promotions and PayLater services and their impact on consumption patterns. The method used is qualitative with a phenomenological approach through in-depth interviews with students who use PayLater services. The results show that cashback promotions and the convenience of PayLater encourage consumptive behavior, where students tend to shop more frequently and purchase items that are not necessarily needed. Cashback is seen as an incentive that increases shopping frequency, while PayLater creates the illusion of additional funds, making credit purchases easier. This situation poses potential financial risks, such as debt accumulation. The study emphasizes the importance of financial literacy education to help students manage the use of digital financial services wisely.
Dampak Digitalisasi Dan Inovasi Produk Terhadap Peningkatan Penjualan Umkm Seblak Prasmanan Di Kampung Melayu Kraksaan Junaedi, Deddy; Fitryningtyas, Cahya; Fatimah, Dian; Dwivo Monica Risqi Putri; Rosanti, Nur Mauliddyah; Wardani, Risma
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1716

Abstract

This study aims to explore the impact of digitalization and product innovation on increasing sales of the Seblak Prasmanan MSME in Kampung Melayu Kraksaan. The digitalization discussed includes the use of social media, online delivery services, and various other digital platforms that support the promotion and sales process. Product innovation includes developing flavor variations, packaging design, and presentation that appeals to customers. The method applied in this study is descriptive quantitative with a Likert-scale questionnaire distributed to 70 respondents. The sample was taken using a purposive sampling technique, which prioritizes the criteria of active consumers. Data were analyzed using descriptive statistics using frequency and percentage tabulations to describe consumer views on the digitalization and product innovation implemented. The results of the study indicate that the majority of respondents strongly agreed that digital content can increase consumer interest, and the use of social media and delivery applications is very helpful in transactions. Respondents also stated that flavor variations and attractive packaging can increase purchasing interest and loyalty to the product. These findings indicate that the combination of digital technology utilization and creative product development can strengthen competitiveness and improve MSME sales performance.
Co-Authors Alisa Hidayatun Nafi’ah Ayu Widia Wulandari Cahya Fitryningtyas Debby Mardhatillah Deddy Junaedi Dian Fatimah Dita Aisyah Fatimah, Dian Fitryningtyas, Cahya Lutfiyah Qilfa Khairil Aini Risma Wardani Rosanti, Nur Mauliddyah Wardani, Risma