Garuda - Garba Rujukan Digital

Fintech Lending Business Ethics in Indonesia: A Case Study of Shopee Pinjam (SPinjam) Poppy Wulandari; Maulana Ibrahim
InFestasi Vol 19, No 1 (2023): JUNI
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/infestasi.v19i1.19413

Fintech lending plays a significant role in Indonesia as a developing country where the need for loan funds is very high. Although the reason for the significant growth of fintech lending in Indonesia is motivated by the consumerist nature of the Indonesian people in the use of loan funds, the presence of fintech lending has also become a solution in the ease of obtaining loan funds. In Indonesia, fintech lending services are not only available on fintech lending platforms but are also available on e-commerce. This study aims to examine the practice of business ethics in fintech lending services provided by Shopee's collaboration with Lentera Dana Nusantara (LDN), namely SPinjam. This study uses a qualitative research method with a normative juridical approach. The collection of data in this study comes from primary and secondary data sources. In this study, interview results from informants were processed using MAXQDA Standard software to interpret the results systematically. For the sake of the validity of the research results, this study also involved a triangulation approach to check the correctness of the data from information obtained from primary and secondary sources. Even though the results of this study show a tendency for good business ethics from SPinjam, there are still findings indicating that the regulations in SPinjam are not transparent, especially regarding information about the amount of interest charged to users.

The Influence of Integrated Marketing Communication Strategies on Enhancing the Adoption of GoPaylater Services Purba, Ade Rasinta Herli Kristiani; Syahlina, Maya; Wulandari, Poppy
IKOMIK: Jurnal Ilmu Komunikasi dan Informasi Vol. 5 No. 1 (2025): June
Publisher : Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/ikomik.v5i1.12109

The development of financial technology in Indonesia has driven innovation in digital payment services, one of which is GoPaylater, developed by Gojek. This study aims to analyze the influence of integrated marketing communication (IMC) elements on the increase in the number of GoPaylater users. A quantitative approach was employed through a survey method involving 120 active users of the Gojek application in the city of Medan. The analysis results indicate that the elements of digital advertising, sales promotion, public relations, content marketing, and social media significantly influence the decision to use GoPaylater. The combination of digital advertising and sales promotion was found to be the most effective strategy in encouraging service adoption. These findings underscore the importance of implementing an integrated marketing communication strategy to enhance brand awareness, purchase intention, and consumer trust in paylater services. This study also identifies challenges in the implementation of IMC, such as the need to maintain message consistency across various communication channels. Strategic recommendations include increasing consumer education, optimizing promotional programs, strengthening public relations, maximizing the use of social media, and leveraging data-driven analysis to better understand user behavior. The results of this study are expected to serve as a reference for the development of digital marketing strategies in the financial services sector in Indonesia.

Influencer Marketing and Purchase Intention: The Mediating Role of Trust Evrianti, Hesti; Wanti, Sri; Asriadi; Wulandari, Poppy
Indonesian Journal of Business and Entrepreneurship Vol. 11 No. 3 (2025): IJBE, Vol. 11 No. 3, September 2025
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.11.3.535

Background: Digitalization had transformed consumption patterns, positioning influencer marketing as a dominant strategy in contemporary business. Social media influencers significantly enhanced brand awareness and purchase intention, particularly among students as active technology users. However, their impact was mediated by trust, which strengthened consumer responses to marketing messages. Thus, examining trust as a mediating variable between influencer marketing, brand awareness, and purchase intention was essential to advance marketing knowledge within the student market segment.Purpose: This study aims to examine the influence of influencer marketing on brand awareness and purchase intention, emphasizing the mediating role of trust. While influencer marketing is recognized as a driver of consumer decisions, its impact is often indirect, shaped by consumer trust. Prior studies have overlooked this mediating factor, particularly within the student market segment. Addressing this gap, the research provides new insights into digital marketing by highlighting trust as a critical determinant of effectiveness.Design/Methodology/Approach: This study employed a quantitative research design at Tadulako University, Palu, Indonesia, from February to October 2024. Data were collected through a structured questionnaire distributed to 86 postgraduate students, determined via the Slovin formula from a population of 630. The instrument, validated by expert review and pilot testing, used a five-point Likert scale. Data analysis utilized descriptive statistics and path analysis with SmartPLS 4 to examine causal relationships and ensure validity and reliability.Finding/Result: The results demonstrate that influencer marketing significantly enhances brand awareness, purchase intention, and trust among students. Trust itself positively influences both brand awareness and purchase intention, while also serving as a significant mediator between influencer marketing and these outcomes. Path analysis confirms all hypotheses, underscoring the central role of trust in strengthening consumer perceptions and decisions. These findings highlight that influencer marketing effectiveness depends not only on brand exposure but also on building sustainable trust-based relationships.Conclusion: This study concludes that influencer marketing significantly enhances brand awareness and purchase intention among graduate students, with trust acting as a pivotal mediating factor. Trust reduces perceived risks and reinforces consumer confidence, thereby amplifying marketing effectiveness. The study contributes novel insights by positioning trust as a central mechanism in digital marketing strategies. However, due to the limited sample size, findings should be interpreted cautiously and further validated across broader contexts and product categories.Originality/State of the art: This research contributes to the existing literature by emphasizing the mediating role of trust in influencer marketing's effects on graduate students, providing insights for marketers targeting this demographic in the context of mobile phone purchases. Keywords: influencer marketing, brand awareness, purchase intention, consumer decisions, digital marketing

Generation Z Muslim Consumers And The Fomo Trend Of Non-Halal Korean Food In Indonesia: A Sharia Perspective Study DAULAY, ULAN DARI; Poppy Wulandari; Nurfhatih Hayati Zukrufa
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,10 No 1 (2025)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v10i1.11970

Abstract This research examines the problematic of fomo in consuming Korean food. This research also examines how Islam views the fomo trend of non-halal Korean food among Indonesian Muslims, as well as the essence of halal food for sharia compliance by a Muslim, how the role of importers in distributing Korean food to Indonesia. The benefit obtained from the results of this study is that it can provide an in-depth understanding based on a sharia perspective regarding the fomo trend among Indonesian Muslims in consuming Korean food. This research uses qualitative methods and is described descriptively with data sources based on library research or literature studies from various literatures, which aim to review and evaluate relevant research so as to provide a point of view that can answer research problems. The FOMO trend has an unfavorable impact on individual social activities on social media, with various types of food entering Indonesia whose halalness is unclear. As a devout Muslim, it is necessary to be aware of the importance of the halalness of the food consumed. Based on the analysis and findings of the researchers, several findings can be concluded, namely: The importance of Sharia compliance for a Muslim; Consumer awareness of halal food; The role of Importers and Halal Certification Organizing Bodies for non-halal products circulating in the market. Keywords: halal sertification, fomo trend, muslim consumers, korean food, importir. Abstrak Penelitian ini mengkaji problematika tren fomo dalam mengkonsumsi makanan Korea. Penelitian ini mengkaji bagaimana pandangan Islam terhadap tren fomo makanan Korea non halal di kalangan muslim Indonesia, serta esensi makanan halal bagi kepatuhan syariah oleh seorang muslim, dan peran importir dalam mendistribusikan makanan Korea ke Indonesia. Penelitian ini memberikan pemahaman yang mendalam tentang konsumsi seorang muslim dalam menghadapi tren fomo makanan Korea berdasarkan perspektiv syariah. Penelitian ini menggunakan metode kualitatif dan diuraikan secara deskriptif dengan sumber data dari dari berbagai literatur dengan tujuan untuk mengkaji dan mengevaluasi penelitian yang relevan sehingga memberikan sudut pandang dalam menjawab permasalahan penelitian. Tren FOMO memberikan dampak yang kurang baik bagi aktivitas sosial individu di media sosial, dengan adanya berbagai macam jenis makanan yang masuk ke Indonesia yang belum jelas kehalalannya. Sebagai konsumen muslim, perlu adanya kesadar akan pentingnya kehalalan makanan yang dikonsumsi. Berdasarkan analisis dan temuan peneliti, maka dapat disimpulkan beberapa temuan yaitu: Pentingnya kepatuhan Syariah bagi seorang muslim; Kesadaran Konsumen akan makanan halal; Peran Importir dan Badan Penyelenggara Sertifikasi Halal atas produk-produk non halal yang beredar di pasar. Kata Kunci: sertifikasi halal, tren fomo, konsumen muslim, makanan korea, importir

THE EFFECTIVENESS OF MARKETING COMMUNICATION IN DIGITAL BUSINESS: A CASE STUDY OF MARKETING ON TIKTOK LIVE Mawaddah, Mawaddah; Wulandari, Poppy; Panjaitan, Andreas; Dwianita, Dwianita
Jurnal Ilmu Komunikasi Vol 14 No 1 (2025): Jurnal Ilmu Komunikasi (JKMS)
Publisher : Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35967/jkms.v14i1.7651

This research examines the effectiveness of marketing communication through TikTok Live, focusing on its impact on consumer engagement and purchase decisions. As digital business in Indonesia rapidly grows, TikTok has evolved from an entertainment platform to a dynamic marketing tool, integrating e-commerce and live commerce features. By allowing real-time interactions between brands and consumers, TikTok Live enhances trust, fosters deeper engagement, and encourages impulsive purchases. The study finds that the interactive nature of TikTok Live, including live demonstrations and direct consumer inquiries, significantly influences purchasing behavior. Additionally, the integration of entertainment elements further strengthens consumer interest and increases conversion rates. The research adopts a qualitative approach, using a case study design with participatory observation and content analysis of several TikTok Live sessions to identify key factors influencing consumer decisions. The findings highlight the potential of TikTok Live as a powerful platform for both large and small businesses to enhance marketing effectiveness and reach a broader audience, especially younger consumers. In conclusion, businesses looking to optimize their digital marketing strategies should leverage TikTok Live’s real-time, interactive features to create more personalized, engaging consumer experiences.

THE EFFECTIVENESS OF MARKETING COMMUNICATION IN DIGITAL BUSINESS: A CASE STUDY OF MARKETING ON TIKTOK LIVE Mawaddah, Mawaddah; Wulandari, Poppy; Panjaitan, Andreas; Dwianita, Dwianita
Jurnal Ilmu Komunikasi Vol 14 No 1 (2025): Jurnal Ilmu Komunikasi (JKMS)
Publisher : Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35967/jkms.v14i1.7651

This research examines the effectiveness of marketing communication through TikTok Live, focusing on its impact on consumer engagement and purchase decisions. As digital business in Indonesia rapidly grows, TikTok has evolved from an entertainment platform to a dynamic marketing tool, integrating e-commerce and live commerce features. By allowing real-time interactions between brands and consumers, TikTok Live enhances trust, fosters deeper engagement, and encourages impulsive purchases. The study finds that the interactive nature of TikTok Live, including live demonstrations and direct consumer inquiries, significantly influences purchasing behavior. Additionally, the integration of entertainment elements further strengthens consumer interest and increases conversion rates. The research adopts a qualitative approach, using a case study design with participatory observation and content analysis of several TikTok Live sessions to identify key factors influencing consumer decisions. The findings highlight the potential of TikTok Live as a powerful platform for both large and small businesses to enhance marketing effectiveness and reach a broader audience, especially younger consumers. In conclusion, businesses looking to optimize their digital marketing strategies should leverage TikTok Live’s real-time, interactive features to create more personalized, engaging consumer experiences.

Interactive Marketing Communication through Live Commerce: A Pathway to Consumer Loyalty Ryndian Gusty; Poppy Wulandari; Ira Nur Dewita Siregar; Dyah Seruni Rizqiana; Dita Kartika Sari Hasibuan
International Journal of Economics and Management Research Vol. 4 No. 1 (2025): : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i1.454

This study aims to explore the role of interactive marketing communication through live commerce in fostering consumer loyalty in Indonesia, with a specific focus on the Shopee Live platform. Despite the growing popularity of live commerce, limited interaction and a predominantly transactional approach in live broadcasts remain major obstacles to establishing long-term relationships between brands and consumers. Based on a comprehensive literature review, interactivity in live commerce has been shown to enhance consumer engagement and trust, which in turn influences emotional loyalty. However, most previous studies have primarily concentrated on transactional aspects, overlooking the significance of personal relationships in cultivating sustainable consumer loyalty. This research employs a qualitative approach through a systematic literature review to examine the phenomenon of interactivity on Shopee Live and its impact on consumer loyalty in the Indonesian context. The findings indicate that responsive and personalized interactive communication can reduce psychological distance between hosts and consumers, fostering emotional closeness that reinforces trust and consumer loyalty. This study fills a gap in the existing literature by emphasizing the critical role of emotional, social, and cultural dimensions in shaping consumer loyalty, particularly within the Indonesian market. The insights generated from this research offer practical implications for e-commerce businesses, especially Shopee, to leverage interactivity as a strategic marketing communication tool for building long-term relationships and brand loyalty.

Job Opportunities for the Disabled Labor Forces: Review of Legal Awareness and Protection Ibrahim, Maulana; Wulandari, Poppy; Maria Laot Kian, Antonius
Indonesian Journal of Disability Studies Vol. 12 No. 2 (2025)
Publisher : The Center for Disability Studies and Services Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ijds.2025.12.2.8

The enhancement of the quality of life for all individuals is an imperative component of societal advancement. This is a principle that pertains to the disabled population as a particularly vulnerable group. In Indonesia, the estimated number of disabled labourers is projected to reach 720,748 in 2022. Despite this figure having increased by 160.18% since 2021, it is anticipated that the involvement of people with disabilities in the formal sector will remain low until 2023. The objective of this research is twofold: firstly, to analyse the extent of legal awareness and protection for disabled workers, and secondly, to determine a solution for the discrepancy between legal provisions and awareness about employment opportunities for disabled workers. In order to analyse these gaps and formulate solutions to the identified problems, this research employs a qualitative research design that utilises a normative juridical approach. Despite the existence of legal provisions in Indonesia to support the United Nations' disability inclusion strategy, empirical evidence indicates that legal awareness and protection remain inadequate. It is anticipated that the government will not only formulate legal instruments to safeguard the rights of disabled individuals but will also oversee the employment of disabled individuals within both governmental and private sector organisations.

Internal Communication Strategy and Its Influence on Employee Engagement Poppy Wulandari; Blangi Intan Maharani; Yohana Yulianti Simbolon; Dwianita Dwianita; Ira Nur Dewita Siregar
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4813

This study aims to analyze the influence of internal communication strategies on employee engagement and to identify the most effective communication approaches in enhancing employee involvement. The research employed a literature review method by examining journal articles, conference proceedings, and academic books published between 2019 and 2025. Literature sources were obtained from Google Scholar, Scopus, ResearchGate, and DOAJ, and were selected based on topic relevance, full-text availability, and alignment with the research focus. Data were analyzed using content analysis through thematic categorization. The findings indicate that internal communication strategies have a significant impact on employee engagement across three dimensions: cognitive, emotional, and behavioral. Three strategies were found to be the most effective: (1) digital channel–based communication that improves information access and accelerates feedback, (2) leadership-based communication that strengthens trust and emotional support, and (3) participatory two-way communication that fosters a sense of belonging and psychological ownership. Engagement formation occurs through role clarity, reinforced trust, and increased participation. In conclusion, internal communication serves as an organizational strategy that enhances employee motivation, loyalty, and contribution. Organizations must design communication patterns that are transparent, interactive, and participatory to optimize engagement.

Financial Technology and Green Financing: A Blend of Technology, Economy, and Environment Hengky Kosasih; Poppy Wulandari
Indonesian Journal of Social Economics and Agricultural Policy (IJSEAP) Vol. 1 No. 1 (2025): (July) Indonesian Journal of Social Economics and Agricultural Policy
Publisher : PT. Altaf Publishing Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70895/ijseap.v1i1.41

This study examines the integration of financial technology (fintech) and green financing in supporting sustainable development. Although fintech has shown great potential in accelerating access to financing for environmentally friendly projects, there is a gap in understanding how the three elements—technology, economy, and environment—can collaborate effectively to achieve maximum impact on sustainability. This research aims to explore how the blend of financial technology and green financing can produce more efficient and sustainable financing models. Using a qualitative approach and literature review, this study analyzes the integration of these three aspects and their impact on sustainable development. The findings suggest that the collaboration between technology and green financing can create efficient funding flows, enhance transparency, and promote inclusive economic growth and carbon emission reduction, directly supporting the achievement of global sustainability goals.

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