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All Journal Jurnal Ilmu Ekonomi dan Bisnis
Gabriella Naomi Yaspis Siregar
Universitas Negeri Medan
Economics, Econometrics & Finance

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Strategi Pengendalian Biaya melalui Efisiensi Anggaran Pemasaran dan Administrasi pada UMKM Intan Anastasya Nainggolan; Gabriella Naomi Yaspis Siregar
Jurnal Ilmu Ekonomi dan Bisnis Vol 4 No 1 (2026): April, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

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Abstract

This study aimed to analyze cost control strategies through the efficiency of marketing and administrative budgeting in Micro, Small, and Medium Enterprises (MSMEs). The main problem addressed was the ineffective budget management that led to cost inefficiencies and decreased business profitability. The research method used was a literature study by reviewing various relevant sources such as academic journals, books, and research reports related to MSME budgeting. The results showed that many MSMEs had not clearly separated marketing and administrative budgets, making it difficult to evaluate cost effectiveness. Several effective strategies identified included the utilization of information technology for marketing and administrative activities, improvement of financial literacy, implementation of flexible budgeting, digitalization of administrative systems, and better understanding of digital platform costs. In addition, regular operational audits played an important role in identifying inefficient expenditures. The study concluded that effective cost control could be achieved through the integration of proper budgeting planning, technology utilization, and continuous evaluation. By implementing these strategies, MSMEs were able to improve cost efficiency, maintain financial stability, and enhance competitiveness in an increasingly competitive market.
Digitalisasi Sistem Pembayaran dan Masa Depan Transaksi Keungan(Studi Pada Qris) Gabriella Naomi Yaspis Siregar; Mawar Indah Julita Hutagalung; Melanie Putri Nduru
Jurnal Ilmu Ekonomi dan Bisnis Vol 3 No 2 (2025): Oktober, Jurnal Ilmu Ekonomi dan Bisnis
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65510/jieb.v3i2.111

Abstract

The digital transformation of payment systems has changed how society conducts transactions. This study aims to examine the role of QRIS and digital wallets in modern payment systems and their implications for efficiency, security, and financial inclusion in Indonesia. Using a descriptive-qualitative approach based on literature review, this research analyzes Bank Indonesia's policies, payment technology developments, and key challenges such as cybersecurity and the digital divide. The findings show that digitalizing payment systems through QRIS and digital wallets enhances transaction speed and convenience, but requires adaptive regulations and cross-sector collaboration to build an inclusive and sustainable digital financial ecosystem
Co-Authors Intan Anastasya Nainggolan Mawar Indah Julita Hutagalung Melanie Putri Nduru