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All Journal Jurnal Ilman: Jurnal Ilmu Manajemen Jurnal Manajemen dan Pemasaran
Tiara Reizsa Adhitya
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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DIGITALISASI DAN ASPEK KEUANGAN DALAM PENGEMBANGAN UMKM DI ERA DIGITAL: TINJAUAN LITERATUR Khaira, Imamul; Wisnu Rayhan Adhitya; Syati Manaharawan siregar; Tiara Reizsa Adhitya; Evi Syuriani Harahap
Jurnal Manajemen dan Pemasaran Vol. 3 No. 2 (2025): Edisi Februari 2025
Publisher : Universitas Haji Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51771/jumper.v3i2.1601

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in a country's economy. In the digital era, digital transformation is a necessity to enhance MSME competitiveness and sustainability. However, this digitalization process is inseparable from the aspects of healthy and effective financial management. This research aims to review the latest literature on the interaction between digitalization and financial aspects in the context of MSME development in the digital era. Using a systematic literature review (SLR) method based on 12 provided scholarly articles, this research synthesizes findings related to the urgency of digitalization, its challenges and benefits, the importance of financial literacy and financial inclusion, the digitalization of financial processes, and their impact on MSME performance and sustainability. The review results indicate that digitalization not only includes digital marketing but also the digitalization of financial processes such as bookkeeping and reporting. Financial literacy and financial inclusion are very important in supporting the adoption of financial technology (fintech) and good financial management practices in the digital era. Various studies confirm the positive influence of digitalization and financial aspects on MSME performance and sustainability, although challenges such as limited infrastructure, digital literacy, and resistance to change still persist. Support from the government and other stakeholders through training and providing access to technology plays an important role in facilitating the digital transition and strengthening the financial aspects of MSMEs. This review provides insights for MSME actors, policymakers, and researchers regarding critical areas that require further attention to support MSME development in the digital era.
"FOMO Effect" dalam E-Marketing: Live Shopping dan Flash Sale terhadap terhadap Niat Beli Konsumen Gen Z Wisnu Rayhan Adhitya; Tiara Reizsa Adhitya
Jurnal ILMAN (Jurnal Ilmu Manajemen) Vol. 13 No. 2 (2025): Juni
Publisher : Sekolah Tinggi Ilmu Manajemen Sukma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35126/ilman.v13i2.886

Abstract

This study aims to analyze the impact of Live Shopping and Flash Sale on Generation Z consumers' Purchase Intention, specifically focusing on the role of the "FOMO Effect" (Fear of Missing Out) as a primary driver within the e-marketing context. Employing a quantitative approach, data were collected from 100 Generation Z student respondents from the University of North Sumatra and Medan State University through online questionnaires. The data were analyzed using multiple linear regression after conducting validity, reliability, and classical assumption tests. The findings indicate that both Live Shopping and Flash Sale significantly and positively influence Generation Z consumers' Purchase Intention, both partially and simultaneously. This understanding is reinforced by the notion that the Fear of Missing Out (FOMO) phenomenon serves as a key mechanism, whereby the urgency, perceived scarcity of offers, and exclusive interactive experiences inherent in live shopping and flash sale sessions trigger Generation Z consumers to make purchases. The two variables collectively explain 28.5% of the variance in purchase intention. The implications of this study highlight the importance for marketers to design e-marketing strategies that leverage elements of urgency, scarcity, and direct interaction to effectively activate the "FOMO Effect" and boost purchase intention among the digitally savvy Generation Z target market.
Co-Authors Adhitya, Wisnu Rayhan Evi Syuriani Harahap Imamul Khaira Syati Manaharawan siregar