PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC)
IBEC:PROCEEDING INTERNATIONAL BUSINESS AND ECONOMIC CONFERENCE (IBEC)
Sekolah Tinggi Ilmu Ekonomi Eka Prasetya
Facilitating Conditions and Social Influence on Zakat Payment Intention via QRIS: The Moderating Effect of Age at Baitul Mal Aceh
This research examines how facilitating conditions and social influence affect individuals’ intentions to pay zakat via the QRIS platform, with age considered as a moderating variable in the setting of Baitul Mal Aceh. Anchored in the Unified Theory of Acceptance and Use of Technology (UTAUT), the study identifies the main factors driving the adoption of digital zakat payments. A quantitative approach was employed, using purposive sampling to gather data from 120 respondents. The dataset was analyzed through Structural Equation Modeling (SEM) using the Partial Least Squares (PLS) technique. Results show that both facilitating conditions and social influence have a significant and positive effect on the behavioral intention to adopt QRIS for zakat payments. Moreover, age functions as a moderator: younger participants are more responsive to facilitating conditions, whereas older individuals are more influenced by social pressure. These insights emphasize that successful implementation of QRIS in zakat collection depends on the interaction of enabling infrastructure, social dynamics, and generational differences factors that zakat management institutions should account for in policy and practice.
Copyright (c) 2026 PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) https://creativecommons.org/licenses/by/4.0
Truly Sharia Compliant? A Critical Analysis of Hotel Facilities and Management in Banda Aceh
The purpose of this study is to analyze the facilities and management at the Kumala Hotel in Banda Aceh related to the implementation of sharia principles based on the DSN-MUI Fatwa No. 108/DSN-MUI/X/2016. The background is the increasing need for Muslim tourists for accommodation that is in line with sharia in the development of hotel concepts in Aceh. The method used is a qualitative approach that uses data collection techniques through interviews, observation and documentation. The results show that the Kumala Hotel has provided halal food, prayer room and prohibit immoral acts and pornography. From the management side, sharia principles are attempted in service, human resources, and finance. However, obstacles that arise are the limited human resources who understand sharia in more depth and less than optimal supervision. It is hoped that the results of this research will be able to contribute and references in the development of sharia hotels in Indonesia.
Digital Marketing Innovation and Online Consumer Behavior: Implications for Brand Equity (Case Study of Coffee Consumers at the Mandala By Pass Medan Branch)
The shift towards the digital age has had a major impact on the fundamentals of the economy, changing the way individuals and businesses interact in trade, and shaking up existing conventional methods. Today, amid the dominance of the digital world, social media platforms have emerged as a highly efficient marketing tool for reaching audiences instantly, extensively, and at an affordable cost. This study is designed to examine in depth the impact of digital marketing strategies and consumer behavior dynamics on brand value formation, focusing on customers of Kopi Petik Mandala by Pass branch in Medan as the research subjects. The survey was conducted at the Kopi Petik location on Jl. Mandala by Pass No.71A, Tegal Sari Mandala I, Medan Denai, Medan City, North Sumatra 20226, from August to September 2025, using a purposive sampling method. The findings of this research explain how both factors, namely digital marketing strategies and consumer behaviour, influence brand strength, as shown in the multiple linear regression analysis. The results, both separately and together, show that digital marketing activities and consumer behavior trends have a positive and significant impact on brand value at Kopi Petik Mandala by Pass branch.
Copyright (c) 2025 PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) https://creativecommons.org/licenses/by/4.0
Towards Sustainable Development: The Interconnection of Green Corporate Govarnance and Green Finance in Cemara Asri’s SMEs
This study aims to find out whether Green Corporate Govarnance and Green Finance have a significant effect on the Sustainability Performance of MSMEs in Cemara Asri, Medan. This study uses quantitative data methods and the data source is primary data. The sampling technique uses saturated samples, so that the entire population is used as a sample of 60 MSMEs. Data analysis and testing consisted of validity tests, reliability tests, descriptive statistics, classical assumption tests, multiple regression analysis, partial (t test) and simultaneous hypothesis testing (F test), and determination coefficient tests (R2). The results of the study show that Green Corporate Govarnance has an effect and is significant on Sustainable Performance with a calculated t value of 3.905 < ttable 2, 00172 and a significant value of 0.000 < 0.05. Green Finance has a significant effect on Sustainable Performance with a calculated t value of 2.664 < ttable 2, 00172 with a significant level of 0.010 < 0.05. Simultaneously, Green Corporate Govarnance and Green Finance have a significant effect on Sustainable Performance with an Fvalue of 111.121 > Ftable 3.16 with a significance of 0.000 < 0.05 with a regression coefficient value of 79.6%.
Driving Customer Satisfaction in the Digital Era: The Role of Service Experience and Payment Innovation at Jco Donuts & Coffee Thamrin Plaza
This study aims to examine the influence of customer experience and payment innovation on customer satisfaction at J.CO Donuts & Coffee Thamrin Plaza Medan. The research method uses a quantitative approach and incidental sampling technique, involving 100 respondents who have made transactions through the J.CO digital application. The data collection instrument is a questionnaire containing a Likert scale to measure the variables of customer experience (X₁), payment innovation (X₂), and customer satisfaction (Y). Data analysis was conducted through multiple linear regression with t-test and F-test. The results showed that customer experience variable has a positive and significant effect on consumer satisfaction and payment innovation also has a significant positive effect. Simultaneously, both variables can to explain 58.4% of the variation in consumer satisfaction. This also shows how important the ease of application navigation, speed of order processing, staff professionalism, as well as transparency of terms and smooth cashback disbursement are to increase consumer satisfaction and create a better customer experience. Suggestions for J.CO Donuts & Coffee management include striving to be better in providing various payment innovations both through the application and website to reach a wider range of buyers.
Integrating Islamic Values and Place Identity to Enhance Halal Tourist Attractions among Tourists in Sumatra
This study examines the influence of Islamic values on domestic tourists’ intention to visit Aceh, with place identity as a potential moderating variable. Aceh’s strong Islamic character positions it as an attractive destination for Muslim tourists from Sumatra. Employing a quantitative approach, data were collected from 119 respondents via questionnaire and analyzed using simple linear regression and Moderated Regression Analysis (MRA). Findings reveal that Islamic values have a significant positive effect on visit intention. Place identity also positively influences visit intention, but does not moderate the relationship between Islamic values and visit intention. These results indicate that Islamic values serve as a primary motivator for domestic tourists, while place identity exerts an independent effect on visit intention. Keywords: Islamic values, visiting interest, place identity, halal tourism, Aceh
Analyzing the Influence of Digital Wallet: Usage Intention and Trust in Mobile Payments on the Continuance Intention of University Students in Medan to Support an Inclusive Economy
This study discusses the challenges of continuing the use of digital wallets among Medan students, where the adoption gap arises due to differences in the perception of benefits and the level of trust in mobile payment services. The background of the problem includes barriers from trust in mobile payments such as uncertainty of data security, and suboptimal technical experience so that initial intent tends to decrease. The research method is quantitative with a survey approach using online questionnaires that are distributed to students from various faculties. The techniques applied include testing the validity and reliability of the instrument, testing classical assumptions, and being processed with PLS SEM to evaluate the influence of digital wallets and trust in mobile payments on sustainable intentions. The results of the analysis revealed that these two functional and psychological variables simultaneously contributed significantly to shaping students' intentions to continue using digital payment applications. The synergy between superior features and security guarantees, supported by recommendations between friends, creates a strong value proposition and maintains the habit of cashless transactions.
Customer Strategy Transformation Through CRM Innovation And Product Quality: Its Impact On Loyalty At Nou Coffee Shop
Nou Coffee is a local coffee shop in Medan adopts a modern, fast, efficient, and digitally integrated concept to deliver high-quality coffee. However, consumer loyalty has recently declined, indicated by fewer repeat visits and reduced digital interactions. The implementation of Customer Relationship Management (CRM) has often been less effective due to its generalized interactions, highlighting the need for more personalized, data-driven communication to strengthen relationships with consumers. In addition, product quality remains a key factor in building loyalty, including aspects such as taste, consistency, hygiene, raw materials, and comfort. Although Nou Coffee already uses high-quality coffee beans and a digital system, some customers perceive the taste and presentation consistency as unstable. This indicates that product quality is still the primary key to maintaining customer satisfaction and loyalty, even more important than technological convenience. The study employed a descriptive quantitative method. The population consisted of all consumers who had made purchases at Nou Coffee, totaling 10,122 customers. Using Slovin’s formula with a 95% confidence level and a 5% margin of error, the sample size was determined to be 385 respondents. The conclusion drawn from this research is that both partially and simultaneously, Customer Relationship Management (CRM) and Product Quality significantly influence consumer loyalty at Nou Coffee Shop.
The Influence of Lifestyle and Financial Literacy on the Use of Fintech Payments Paylater Among Students of the Faculty of Economics, Prima Indonesia University in Medan
The rising adoption of financial technology, especially payment options like "buy now, pay later," is becoming more common among young individuals, especially students. This trend is very much connected to people wanting to buy more and more things and how well they can handle their own money. This research seeks to investigate how lifestyle and knowledge of financial matters affect whether students at the Faculty of Economics, Prima Indonesia University, Medan use "buy now, pay later" services. In this study, a quantitative method was used, involving a sample group of 363 people, with the number decided by using the Slovin formula. The results indicated that lifestyle and understanding of finance have a large impact on whether people use "buy now, pay later" fintech services, both separately and as a whole. Both factors together accounted for 41.6% of the behavior related to using "buy now, pay later," with financial understanding being a bigger factor than lifestyle. These conclusions highlight how important it is to increase students' knowledge of finance, so they can use "buy now, pay later" services more carefully and in a way that lasts, without causing money problems later on.
The Influence of Influencer Marketing and Product Differentiation on Skincare Purchasing Decisions on Instagram Among Generation Z in Medan City
This study aims to analyze the influence of influencer marketing and product differentiation on the decision to purchase skincare products among Generation Z who actively use Instagram in a major city, namely Medan. The method used is quantitative research with data collection through questionnaires distributed to respondents who meet the criteria of age, skincare user characteristics, and Instagram users. The results of the study indicate that both variables have a significant positive influence on purchasing decisions. Influencer marketing has been proven to be effective in building trust and influencing purchasing decisions, while unique and value-added product differentiation attracts consumers in a competitive market. The implications of these findings suggest that integrating influencer marketing strategies and product differentiation can be an effective approach for marketers in designing more focused and relevant campaigns, especially for young consumer segments that are highly influenced by social media. This research provides important insights into the development of marketing strategies in the dynamic digital era.
THE EFFECT OF SOCIAL MEDIA USE AND BUSINESS CAPITAL ON MSMEs PERFORMANCE IN THE DIGITAL ERA
This study aims to analyze the influence of Social Media Utilization and Business Capital on the Performance of Micro, Small, and Medium Enterprises (MSMEs). This study uses a quantitative approach with primary data collected from 230 MSME respondents through questionnaires. The results of the validity and reliability tests indicate that the research instruments used are valid and reliable. Multiple linear regression analysis shows that the Business Capital variable has a positive and significant effect on MSME Performance, while Social Media Utilization does not have a significant effect. The results of the partial test (T-Test) show that Social Media Utilization (Sig. value 0.605) has no significant effect, while Business Capital (Sig. value 0.000) individually has a significant effect on MSME Performance. Simultaneously (F-Test), both variables have a significant effect with a Sig. value of 0.000. The coefficient of determination (R²) value of 0.421 indicates that 42.1% of the variation in MSME performance can be explained by the use of social media and business capital, while the remaining 57.9% is explained by other factors outside this research model. Keywords:Utilization of Social Media, Business Capital, MSME Performance
Analysis of the Influence of Fintech and Investor Trust on Investment Interest in Fore Coffee's e-IPO
The evolution of financial technology has revolutionized how individuals engage with monetary offerings, encompassing investment avenues. Because of the proliferation of diverse digital platforms offering investment options, people can now execute financial dealings with enhanced swiftness and effectiveness. The latest advancement in the realm of investment is the e-IPO or electronic initial public offering. This study delves into the influence of financial technology on the degree of investment interest in Fore Coffee's e-IPO, the impact of investor confidence on the propensity to invest in Fore Coffee's e-IPO, and how financial technology and investor trust collectively shape investment interest in Fore Coffee's e-IPO. The total population considered for this study encompassed all FORE Coffee investors, without a clearly defined count of respondents, with a sample group consisting of 130 individuals. The study's outcomes reveal that financial technology and investor trust significantly affect investment interest in Fore Coffee's e-IPO. Based on the t-test outcomes, both financial technology and investor trust exhibit a positive and significant influence on investment interest in Fore Coffee's e-IPO. The findings from the F-test demonstrate that financial technology and investor trust concurrently generate a positive and significant impact on investment interest in Fore Coffee's e-IPO. The extent of the combined effect of financial technology and investor trust on investment interest is quantified at 83.1%.
The Influence of Content Marketing Strategy and Promotion on Customer Loyalty at TOP Advertising
This study aims to analyze the influence of Content Marketing Strategy and Promotion on Customer Loyalty at TOP Advertising. This study uses a quantitative method with primary data obtained through distributing questionnaires to 126 respondents using a saturated sample method. Data analysis was carried out using descriptive statistics, classical assumption tests, multiple linear regression, partial tests (t-tests), simultaneous tests (F-tests), and coefficient of determination (R²) tests. The results show that Marketing Strategy has a positive and significant effect on Customer Loyalty with a t-value of 1.660 > t-table 1.657 and a significance level of 0.000 < 0.05. This finding is in line with the research of Setiayasa et al. (2024) and Darado et al. (2023) which also stated that Marketing Strategy has a significant effect on Customer Loyalty. Meanwhile, Promotion does not have a significant effect on Customer Loyalty, with a t-value of 0.843 < t-table 1.657 even though it has a significance level of 0.000 < 0.05. Simultaneously, Marketing and Promotion Strategy does not have a significant effect on Customer Loyalty, indicated by the Fcount value of 1.770 < Ftable 3.07 with a significance of 0.000 < 0.05. The results of the determination coefficient (R²) test of 0.427 indicate that 42.7% of the variation in Customer Loyalty can be explained by Marketing and Promotion Strategy, while the remaining 57.3% is influenced by other factors outside this study, such as service quality, trust, and customer satisfaction.
The Influence of Internal Control and GCG Implementation on Managerial Performance at PT Union Confectionery
This study aims to determine the effect of internal control on managerial performance at PT Union Confectionery, to determine the implementation of GCG on managerial performance at PT Union Confectionery, to determine the effect of internal control and implementation of GCG on managerial performance at PT Union Confectionery. The research methodology used is quantitative research method. The type of data used in this study is quantitative data, namely data obtained in the form of numbers or figures. The data source is primary data. Primary data was obtained from the results of distributing questionnaires to employees of PT Union Confectionery. The population in this study is employees of PT Union Confectionery. From the population, a sample of 62 was selected. Validity test, reliability test, multiple linear regression analysis, classical assumption test, partial hypothesis test (T test) and simultaneous significance (F test), as well as determination coefficient test are all included in the data analysis and testing. The results of the analysis provide the equation Managerial Performance = 10.975 + 0.601 Internal Control + 0.148 Implementation of GCG + e. The t-test results show that the Internal Control variable has a positive and significant effect on Managerial Performance at PT Union Confectionery where tcount (3.231) > ttable (1.671), the GCG Implementation variable has a positive and significant effect on Managerial Performance at PT. Union Confectionery where tcount (1.826) > ttable (1.671), the F-test results show that Fcount (28.484) > Ftable (3.15) which means that the independent variables (Internal Control and GCG Implementation) simultaneously influence the dependent variable (Managerial Performance). The results of the coefficient of determination (R2) show that 49.1% of the Managerial Performance variable is influenced by Internal Control and GCG Implementation while the remaining 50.9% is influenced by other variables.
The Influence of Financial Technology and Influencer Marketing on Beauty Product Brand Awareness at the Sociolla.id Store in Center Point Medan
The beauty sector demonstrates ongoing expansion and ingenuity annually. The beauty industry is presently expanding rapidly, with a steady influx of new brands emerging and evolving; beauty products within Indonesia encounter rivalry not just from local companies but also from global entities. Sociolla. id exists to offer an easier way for Indonesian consumers to acquire beauty products, but it faces difficulties due to insufficient financial technology services that could benefit customers and a need for more modern marketing tactics, like influencer marketing. This research focused on Sociolla. id customers, utilizing a sample size of 110 individuals. The findings reveal that financial technology has some effect on how well people know the Sociolla. id brand. The research also found that influencer marketing has a partial impact on how well people know the Sociolla. id brand. The study's data indicates that financial technology has a combined impact on the recognition of the Sociolla. id brand. The R Square (R2) statistic, or coefficient of determination, indicates that financial technology and influencer marketing together account for 79.7% of the variability, while the remaining 21.3% is impacted by other variables not included in the research model, such as cost, product attributes, and perceived worth.
Digital Marketing Strategy And Implementation Of Digital Payment Systems As A Trigger On Consumer Buying Interest: Case Study On Kopi Kenangan
This study aims to measure the influence of digital marketing strategies and the implementation of digital payment systems on customer repurchase intention for Kopi Kenangan in Medan Baru District, based on the issue of inconsistencies between online promotional promises and experiences at outlets that could potentially decrease customer loyalty. The research method applied is descriptive quantitative with a survey approach, involving 100 respondents selected through purposive sampling. The regression equation for Repurchase Intention = 1.933 + 0.252 Digital Marketing Strategy + 0.576 Digital Payment System + e indicates a positive influence from both variables. The research results show that digital marketing strategies and digital payment systems have a positive and significant impact on consumers repurchase intention. A coefficient of determination of 74% proves the contribution of the research variables to the repurchase intention. As a recommendation, Kopi Kenangan needs to align digital promotional content with service quality at the outlets, improve the stability and speed of the digital payment system verification, and provide employee training to ensure a consistent customer experience to strengthen loyalty and encourage repurchase.
Integration of Green Innovation and Utilization of Digital Technology to Achieve Sustainable Competitive Advantage for Haseda Herbal Products in Medan City
This study aims to analyze the role of green innovation and the use of digital technology in achieving sustainable competitive advantage for Haseda herbal products manufactured by PT. Amanah Berkah Kencana in Medan. Growing public awareness of healthy lifestyles and a preference for natural products presents both opportunities and challenges for the herbal industry, which must be able to compete in an increasingly competitive market. This study uses a quantitative approach by distributing questionnaires to 100 Haseda consumers in Medan City, selected through purposive sampling. The data were analyzed using SPSS with stages of validity testing, reliability testing, classical assumption testing, and multiple linear regression analysis. The results showed that green innovation (X1) and the use of digital technology (X2) had a positive and significant effect on sustainable competitive advantage (Y). The use of digital technology has a more dominant influence (β = 0.474; sig. = 0.000) than green innovation (β = 0.234; sig. = 0.010). Simultaneously, both variables are able to explain 40.3% of the variation in sustainable competitive advantage. These findings confirm that the integration of green innovation with effective digitalization strategies is key to strengthening image, expanding market reach, and ensuring the sustainability of herbal product competitiveness amid increasingly fierce competition.
Sustainable Culinary Business Model in the Industrial Era 5.0: A Case Study of Kapau Anak Sultan Medan Restaurant with Technology Integration and Green Economy
This research responds to the challenge of declining technological operational performance and low awareness of the green economy experienced by Kapau Anak Sultan Medan Restaurant in the midst of fierce competition in the culinary industry that increasingly relies on digital technology and environmental sustainability demands. This condition encourages the need to design an adaptive and environmentally friendly culinary business model in the transition period of modern industry that emphasizes collaboration between humans and technological sophistication as well as social environmental concerns. The research method used a quantitative approach by collecting data through questionnaires to loyal restaurant consumers and structural equation modeling analysis techniques based on PLS SEM to test the influence of technology integration and the application of the green economy on business sustainability. The results of the study confirm that the use of online ordering platforms connected to smart inventory systems, digitization of service processes, as well as sustainability practices such as strategic partnerships with local farmers, the use of renewable energy, and circular waste management systems make positive and significant contributions in strengthening operational efficiency, expanding market reach, increasing customer loyalty, and strengthening environmentally friendly brand image.
Evaluation of Digital Advertising Innovation and Sustainable Economic Policies on Consumer Trust: A Case Study of Avoskin in Medan
This research aims to analyze the influence of digital advertising innovation and sustainable economic policies on consumer trust in Avoskin products, focusing on college students in Medan. This study uses a quantitative approach with a survey method, using purposive sampling to select respondents who are college students in Medan and have used or are currently using Avoskin products. A total of 100 valid respondents were obtained through the distribution of a Likert scale-based questionnaire, and then the data were analyzed using multiple linear regression. The results show that digital advertising innovation has a positive and significant effect on consumer trust, confirming that creative and interactive advertising strategies can enhance brand credibility. Sustainable economic policies were also proved to have a positive and significant effect, as consumers increasingly value ethical and environmentally friendly business practices. Simultaneously, both variables significantly influence consumer trust. These findings highlight the importance of combining innovative digital marketing strategies with a commitment to sustainability to strengthen the brand-consumer relationship. For local brands like Avoskin, the transparent implementation of sustainable practices supported by digital innovation, not only improves competitiveness but also builds long-term trust, especially among the younger generation.
The The Influence of Business Capital and Financial Management on the Financial Performance of MSMEs (Case Study of Culinary MSMEs in Asia Mega Mas Medan)
This study aims to determine whether Business Capital and Financial Management have a significant effect on the Financial Performance of Culinary MSMEs in Asia Mega Mas Medan. This study uses quantitative data methods and the data source is primary data. The population in this study is all Culinary MSMEs. The sample of this study was 66 Culinary MSMEs obtained by purposive sampling technique. Data analysis and testing include validity test, reliability tests, descriptive statistics, classical assumption tests, multiple regression analysis, partial hypothesis testing (T test) and simultaneous hypothesis testing (F test), and determination coefficient tests. The results of this study indicate that Business Capital has a partially significant effect on the Financial Performance of Culinary MSMEs in Asia Mega Mas Medan with a calculated T-value of 5.221 > T-table of 1.99773. Financial Management has a partially significant effect on the Financial Performance of Culinary MSMEs in Asia Mega Mas Medan with a calculated T-value of 5.730 > T-table of 1.99773. Business Capital and Financial Management have a simultaneously significant effect on the Financial Performance of Culinary MSMEs in Asia Mega Mas Medan with a calculated F-value of 106.449 > F-table of 3.14 and a regression coefficient value of 77.2%.
From Embarrassment to Brand Hate: A Netnography of Negative Emotions, Detachment, and Consumer Arrogance in Foreign F&B in Aceh
This study examines how brand embarrassment escalates into detachment and hate among Acehnese consumers toward foreign F&B brands perceived to be affiliated with Israel. Using qualitative netnography, we observed public discourse across Instagram, TikTok, X, Facebook, YouTube, Google Maps reviews, and food-delivery apps from July 2024 to August 2025. The corpus comprised 512 discourse units and eight focal incidents; 378 units explicitly invoked geopolitical ties. Event-centered coding shows primary triggers were geopolitical affiliation/solidarity (41.3%) and corporate stance/donation controversies (16.1%), followed by service humiliation (19.6%), status threat/face loss (10.3%), and pricing opacity (7.7%); halal-certification uncertainty appeared mainly as a secondary co-argument (12.2% of the geopolitical subset). Embarrassment—direct (in-store) or vicarious (online)—was typically followed by early detachment (unfollow/avoidance/switching within <48 hours) and, when coupled with moralized framing and slow/defensive corporate replies, escalated into brand hate with boycott calls (71.8% of geopolitical-triggered units). Consumer entitlement cues (16.4%) acted as an escalator, prolonging threads. Fast, empathic responses and clear statements about local franchise autonomy shortened escalation. The study contributes an episode-based process model and offers a practical playbook for risk monitoring and recovery in value-sensitive markets.
The Impact of Green Marketing and Artificial Intelligence on Interest in Using the Grab Indonesia Application
It is impossible to stop advances in technology; instead, they should be improved to make things easier for those who use technology. The quick rise of digital technology has caused big changes in many fields, like transportation and delivery services that use application. In Indonesia, Grab is one of the first companies to offer transportation, food delivery, and digital payment services. This research looks at how green marketing and artificial intelligence affect people's interest in using the Grab Indonesia application. People who had used Grab in the last 30 days made up the study group, with an unknown number, and a sample of 120 people was taken using Hair et al.'s method. The study's findings show that green marketing has some effect on people's interest in using Grab. According to the study's findings, using artificial intelligence has a partial impact on people's interest in using Grab. The research also shows that green marketing and artificial intelligence together affect people's interest in using Grab.
Green Consumption Awareness and Repurchase Intention on E-Commerce Platforms: The Mediating Role of Green Shipping Packaging
Purpose. This study examines how Green Consumption Awareness influences Repurchase Intention on e-commerce platforms in Vietnam, focusing on the mediating role of Green Shipping Packaging. It aims to identify the behavioral mechanism through which consumers’ environmental awareness is converted into platform loyalty. Designs. A cross-sectional survey was administered to Vietnamese online shoppers; after data cleaning, 282 usable responses were analyzed. The study used exploratory factor analysis and confirmatory assessment, then applied partial least squares structural equation modeling (PLS-SEM) with bootstrapping (5,000 resamples) to test direct and indirect effects. Findings. Results show that Green Consumption Awareness is positively associated with Repurchase Intention, and Green Shipping Packaging partially mediates this relationship. Structural results further indicate that Subjective Norm strongly predicts demand for green packaging (β = .653, t = 11.34), while Perception shows a small negative effect on packaging demand (β = −.155, t = −3.12); Attitude was not significant. Demand for green packaging strongly predicts Repurchase Intention (β = .758, t = 32.75). Practical implications. E-commerce platforms and 3PLs should prioritize visible, credible green shipping solutions (e.g., recyclable/reusable parcel systems, transparent labeling) to convert consumer awareness into repeat purchases and support national Net Zero goals. Originality/value. This research isolates shipping packaging as a tangible mediating mechanism between environmental awareness and repurchase behavior in e-commerce—an underexplored nexus—providing actionable insights for firms and policy makers in emerging market Keywords: E-commerce, Green Consumption Awareness, Green Shipping Packaging, Repurchase Intention.
The Influence of Brand Image and Sustainability Awareness on Customer Loyalty at Miniso Medan Mall
This study aims to analyze the Influence of Brand Image and Sustainability Awareness on Customer Loyalty at Miniso Medan Mall. The research method used is a quantitative approach by distributing questionnaires to 91 respondents who are customers of Miniso Medan Mall. Data were analyzed using validity tests, reliability tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination with the help of SPSS Version 27. The results showed that Brand Image had a positive and significant effect on Customer Loyalty, while Sustainability Awareness had a positive but insignificant effect on customer loyalty. Simultaneously, both variables have a significant effect on customer loyalty with a coefficient of determination of 62.9%. This confirms that customer loyalty toward Miniso Medan Mall is more strongly influenced by Brand Image perceptions than by Sustainability Awareness. The findings of this study have practical implications for Miniso to continue strengthening product quality, design, and shopping experience, while maintaining its commitment to Sustainability Awareness as a long-term strategy in facing modern retail competition.
The Influence of Fraud Diamond, Beneish M-Score and Dechow F-Score in Detecting Financial Statement Fraud in Agricultural Companies in the Plantation Sub-Sector (Listed on the IDX)
The focus of the study is to examine the Influence of Fraud Diamond, Beneish M-Score and Dechow F-Score in Detecting Financial Statement Fraud. This study was conducted to demonstrate that applying theoretical and quantitative fraud detection models can help identify the likelihood of financial statement manipulation. Companies that are evaluated using these approaches are expected to show more transparent and accountable financial reporting practices, thereby strengthening investor confidence and improving corporate governance. Secondary data serves as the data source for this study, which uses quantitative data types. A population of 32 in the Agricultural Companies in the Plantation Sub-Sector was taken from the Indonesia Stock Exchange website for the period 2021-2024 as many as 20 samples using the Purposive Sampling method. Hypothesis testing was conducted using logistic regression analysis using SPSS 26.0 software. The results showed that Fraud Diamond, Beneish M-Score, Dechow F-Score simultaneously influenced Financial Statement Fraud. ACHANGE, ROA, RECEIVABLE, BDOUT, AUDCHANGE partially influenced Financial Statement Fraud. While LEV, DCHANGE, Beneish M-Score, Dechow F-Score partially did not have a significant effect on Financial Statement Fraud.
Why Do Entrepreneurially Trained Graduates Choose Employment? A Phenomenological Inquiry in Aceh Higher Education
This phenomenological study investigates why entrepreneurially trained graduates choose employment rather than founding ventures in the Aceh higher-education context. Using Interpretative Phenomenological Analysis (IPA), we conducted semi-structured interviews with 12 alumni who completed entrepreneurship courses/competitions/incubation yet currently work as employees. Analysis generated five superordinate themes: (1) temporary competitive euphoria—competitions boost confidence, networks, and credentials but fade without aftercare; (2) stability rationality and risk aversion—employment is framed as pragmatic adaptation to income needs, market uncertainty, and family obligations; (3) campus-to-market ecosystem gaps—a “missing middle” between pitch events and real operations (financing, compliance, distribution); (4) hybrid career identity and skill transfer—entrepreneurial skills persist via intrapreneurship and low-risk side projects; and (5) temporal opportunity and momentum loss—post-graduation delays narrow windows and disperse teams. We conclude that employment is not an antithesis to entrepreneurship but a meaningful, risk-managing pathway within constrained ecosystems. Practical implications include building a curriculum-to-venture pipeline, staged evidence-gated funding, 6–12-month transition fellowships, one-door compliance/production clinics, anchor-demand partnerships, and formal intrapreneurship tracks. The study reframes the intention–behavior gap as employment-oriented adaptation and suggests longitudinal, multi-site research to test and refine this pathway.
Fostering Environmentally Conscious Purchasing Through Ecological Promotion: How Gender and Ecological Awareness Play a Role at Pizza Hut
The purpose of this research was to ascertain the connection between sex and their awareness of ecological issues in relation to purchasing decisions that promote sustainability, as well as the employment of environmentally friendly marketing strategies. In addition, this research endeavors to discover if ecological marketing can regulate the effects of both gender and ecological awareness on the encouragement of sustainable purchasing habits. One hundred participants were chosen for the study, all of whom had bought items from the Gajah Mada Medan branch of Pizza Hut while the study was being conducted; the exact number of respondents was not known. Purposive sampling was the method utilized in the selection of the sample. The findings of the study demonstrated that there was a substantial and favorable association between one's gender and their acceptance of green marketing strategies; that there was a considerable and favorable association between one's ecological awareness and their acceptance of green marketing strategies; that there was a substantial and favorable association between one's gender and their adoption of sustainable consumption habits; that one's ecological awareness had no bearing on their adoption of sustainable consumption habits; that there was a substantial and favorable association between the use of green marketing and the promotion of sustainable consumption; that green marketing was able to act as a mediator in the connection between one's gender and their engagement in sustainable consumption; and that green marketing was unable to act as a mediator in the connection between one's ecological awareness and their engagement in sustainable consumption.
Business Development Strategies of USK Tour and Travel: A SWOT Analysis from an Islamic Economic Perspective
USK Tour and Travel is a business unit under Universitas Syiah Kuala operating in the travel and tourism services sector. This study aims to analyze the business development strategy of USK Tour and Travel using the SWOT analysis approach and examine its alignment with Islamic economic values. A qualitative descriptive method was used, with data gathered through interviews, observations, and documentation. Based on the analysis, USK Tour and Travel is positioned in Quadrant I (S–O Strategy), indicating strong internal capabilities and favorable external opportunities. The recommended strategies include leveraging institutional support and academic networks to optimize growth in the halal and educational tourism sector, enhancing digital marketing, improving human resource capacity, and establishing strategic partnerships. From an Islamic economic perspective, core values such as shiddiq (honesty), amanah (trustworthiness), fathanah (intelligence), tabligh (communication), and istiqamah (consistency) are being implemented but require further integration into daily business practices to achieve both profitability and spiritual value. This research is expected to serve as a reference for businesses aiming to develop within an Islamic ethical framework in the tourism industry.
The Future of Fun : Integrating Facilities and Services Quality to Enhance The Sustainability of Visitor Satisfaction in Amusement Park Industry
The amusement park industry is experiencing rapid growth, driven by rising consumer expectations and an increasing emphasis on sustainability. This study explores the integration of facility quality and service quality as a strategic approach to enhancing long-term visitor satisfaction within the amusement park sector. Grounded in the SERVQUAL model and the principles of sustainable service design, the research investigates how the synergy between physical infrastructure and human-centered service delivery influences visitor satisfaction and loyalty. A mixed-methods approach was employed, combining quantitative survey data from amusement park visitors with qualitative insights derived from management interviews. The findings reveal that both facility quality and service quality significantly impact visitor satisfaction, with service quality exerting a more direct effect. Furthermore, sustainability practices embedded within these elements function as mediators that strengthen visitors’ trust and their intention to revisit. This study underscores the importance of holistic and integrated strategies for amusement parks aiming to sustain competitive advantage and foster long-term relationships with visitors in an increasingly experience-driven economy.
Determinants of Generation Z's Muslim Fashion Behavior Intention in Banda Aceh City: Attitude Variables as Mediation
This study aims to analyze the effect of Utilitarian Value and Hedonic Value on Behavior Intention, with Attitude as a mediating variable. Data collection was done through distributing questionnaires. The sample in this study was the Generation Z community in Banda Aceh City as many as 130 respondents, who were selected using the sampling technique according to Hair. The data analysis technique used in this research is Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach. The results showed that Utilitarian Value and Hedonic Value had a significant effect on Attitude partially. However, Utilitarian Value and Hedonic Value have no partial effect on Behavioral Intention, then Attitude has a significant effect on Behavioral Intention, while the mediating role of the Attitude variable mediates the effect of Utilitarian Value on Behavioral Intention and also Attitude mediates the effect of Hedonic Value on Behavioral Intention. The results showed that Gen Z's Behavioral Intention in Banda Aceh City in choosing Muslim fashion is more dominantly influenced by their Attitude, compared to the direct influence of Utilitarian Value and Hedonic Value.
THE EFFECT OF GREEN ACCOUNTING, CASH HOLDING, AND SALES GROWTH ON THE FINANCIAL PERFORMANCE OF NON-CYCLICALS CONSUMER COMPANIES IN INDONESIA
This study aims to determine the effect of Green Accounting, Cash Holding, and Sales Growth on the Financial Performance of Consumer Non-Cyclical companies listed on the Indonesia Stock Exchange. This study uses a quantitative method with secondary data sources. The population in this study is 30 companies in the Consumer Non-Cyclical sector listed on the Indonesia Stock Exchange. The sample of this study consists of 14 companies from the 2020-2024 period, totaling 70 samples, using a purposive sampling technique. Data analysis used includes descriptive statistics, classical assumption tests, multiple regression analysis, partial (t-test) and simultaneous (F-test) hypothesis testing, and determination coefficient tests. The results show that Green Accounting has a significant effect on Financial Performance with a calculated t-value of -2.843 < t-table -2.00856 and a significant value of 0.001 < 0.05. Cash Holding has a significant effect on Financial Performance with a calculated t-value of -3.217 < t-table -2.00856 and a significant value of 0.007 < 0.05. Sales Growth has no effect and is not significant on Financial Performance with a calculated t-value of 0.553 < t-table 2.00856 and a significant value of 0.583 > 0.05. Simultaneously, Green Accounting, Cash Holding, and Sales Growth have a significant effect on the Financial Performance of Consumer Non-Cyclicals companies with a calculated F-value of 4.437 > F-table 2.79 with a regression coefficient value of 16.5%.
Opportunities and Challenges for Islamic Microfinance Institutions in Aceh
This article examines the challenges and opportunities for Islamic Microfinance Institutions (LKMS) in supporting the strengthening of the Islamic financial system in Aceh following the implementation of Qanun No. 11 of 2018 concerning Islamic Financial Institutions. This study employs a qualitative approach, incorporating in-depth interviews, observations, and secondary data analysis of LKMS financial reports and institutional documents. The research findings indicate that regulatory support and the socio-religious context in Aceh create strategic opportunities for LKMS through a captive market, community preference for halal transactions, and the need for financing in the real sector, especially agriculture, fisheries, and MSMEs. However, the research also reveals significant challenges, including limited human resource capacity, weak capital, low Islamic financial literacy, and the continued dominance of loan shark practices at the community level. Furthermore, government programs that have not been integrated with the LKMS ecosystem add to the complexity of improving the competitiveness of these institutions. This study concludes that the success of LKMS in Aceh cannot rely solely on the existence of regulations, but requires strategies for institutional strengthening, product diversification, digitalisation of services, and increased Islamic financial literacy. The implications of this research emphasise the need for regional government policy support and collaboration with Baitul Mal and socio-religious institutions to create an inclusive and sustainable Islamic financial ecosystem.
Analysis of Green Products, Financial Technology, and Promotion on Sales Volume Increase at PT. Sinar Teknik Tirta Pratama
This investigate was incited by a decay in deals volume, as prove by the benefits earned by PT Sinar Teknik Tirta Pratama. This was due to the items sold by PT Sinar Teknik Tirta Pratama being seen as hurtful to the environment, inadequate installments, and incapable advancement, all of which influenced the company's benefits. The objective of this think about is to analyze deals volume through green items, budgetary innovation, and advancement in the chlorine industry. The strategy utilized in this consider is a quantitative strategy utilizing essential information sources. The data will be analyzed through quantitative clear examination gotten utilizing a survey conveyed to respondents, and this consider is measured utilizing a Likert scale to get conclusions. The testing method utilized is irregular examining. At that point, the information collected related to the investigate protest is analyzed based on the respondents' reactions gotten utilizing the Hair et al. equation. The theory in this think about is tried utilizing different direct relapse investigation. The comes about appear that budgetary innovation, green items, and advancements have a critical impact on deals volume.
The Influence of Biodegradable Packaging and Consumer Awareness on Product Sustainability at Ascend Coffee and Tea Company
This study aims to analyze the influence of biodegradable packaging and consumer awareness on product sustainability at Ascend Coffee and Tea Company in Medan City. The background of the research is based on the increasing global and local attention to sustainability issues and the demand of the beverage industry to reduce dependence on single-use plastic packaging. The adoption of biodegradable packaging is seen as an important strategy in supporting an environmentally friendly brand image, while consumer awareness of sustainability issues is a key factor in encouraging more responsible purchasing behavior. This study uses a quantitative approach with a survey method through a questionnaire to Ascend Coffee and Tea Company consumers who have consumed the product in the last six months. The analysis was conducted to find out the extent to which biodegradable packaging variables and consumer awareness affect product sustainability, both partially and simultaneously. The results of this study are expected to make a theoretical contribution to the development of literature related to green marketing as well as practical implications for companies in implementing sustainable business strategies that are able to improve brand image, consumer loyalty, and long-term competitiveness.
The Application of Fintech and Innovation Strategies in Increasing Competitive Advantage in Pizza Hut East Medan District
This study examines the influence of the application of financial technology (fintech) and innovation strategies on the competitive advantage of Pizza Hut in East Medan District. The quantitative method was used by distributing incidental questionnaires to 100 active consumers at the Medan Timur outlet, then the data was analyzed using Partial Least Squares Structural Equation Modeling to test the validity, reliability, and causality path. The results showed that fintech through the integration of e-wallet and QRIS had a positive and significant influence on competitive advantage (path coefficient 0.563, t-statistic 5.275, f² = 0.547), while product and process innovation strategies including local pizza variants, bundling packages, ordering chatbots, and real-time order tracking made a significant contribution (coefficient 0.393, t-statistic 3.646, f² = 0.267). The two variables together explain 85.3% of the variance of competitive advantage (R² = 0.853) with excellent predictive relevance (Q² = 0.844). These findings confirm that the integration of fintech capabilities with service innovation strategies is a source of sustainable competitive advantage. Practical implications include teams that can move according to their respective tasks to ensure fintech integration runs smoothly, strengthening point of sale infrastructure to connect with digital payment providers, front-line training, and optimizing promotions and menu personalization.
Utilization of E-Commerce and Innovation And Thus Their Impact on The Success of Culinary MSMES Businesses in East Medan
Medan Timur District, covering an area of 8.89 km² with a population of 117,035, serves as a hub for informal economic growth, particularly in the diverse and innovative culinary MSME sector. The shift in consumer behavior toward online shopping via platforms such as GoFood, GrabFood, and ShopeeFood poses challenges for culinary MSMEs due to limitations in technology, digital marketing knowledge, and online business management, which reduce competitiveness and market opportunities. This study aims to examine the impact of e-commerce utilization and innovation on the success of culinary businesses in Medan Timur and provide practical recommendations to support MSME sustainability. The research employs a quantitative descriptive method with a population of 350 culinary MSME actors and a sample of 187 respondents determined using Slovin’s formula with a 5% margin of error. The results indicate that both partially and simultaneously, e-commerce utilization and innovation have a significant effect on business success.
Analysis of Financial Technology and Green Marketing On Brand Loyalty (Study Case on Starbucks Multatuli Medan Branch)
In today's digital world, alongside worldwide problems like environmental harm from human actions and rising global temperatures, there's a growing understanding of the need to protect our environment. The extensive reporting on waste-related issues has captured widespread attention, leading to heightened public worry and greater environmental consciousness. This situation has motivated businesses to actively participate in environmental preservation efforts, working alongside the community. This research seeks to determine how financial technology impacts brand loyalty, to explore green marketing's effect on brand loyalty, and to assess the combined effect of financial technology and green marketing on brand loyalty. This study will survey all Starbucks customers in 2024, using a sample group of 160 individuals, obtained using Hair et al collected using questionnaire. The study's findings indicate that both financial technology and green marketing independently influence brand loyalty to some extent, and that together, they have a combined impact on brand loyalty partially or simultaneously.
The Influence of Green Products and Green Marketing on Consumer Purchase Decisions in Medan Tembung Culinary MSMEs
This study aims to analyze the influence of green products and green marketing on consumer purchase decisions in culinary MSMEs in Medan Tembung District. The background of the research is based on the low understanding of MSME actors on the importance of implementing environmentally sound strategies in attracting consumers. The research method used a descriptive quantitative approach by distributing questionnaires to 305 respondents through incidental sampling techniques. The data were analyzed using validity, reliability, and multiple linear regression tests with the help of SPSS 25. The results of the study show that green products and green marketing have a positive and significant effect, both partially and simultaneously, on consumer purchase decisions. This emphasizes that the success of culinary MSMEs is not only determined by the quality of taste and price, but also by a commitment to sustainability practices. The practical implication of this study is the need for MSMEs to strengthen green product strategies through the use of local raw materials, environmentally friendly packaging, and emphasizing green marketing with effective communication on social media to increase competitiveness and consumer loyalty.
Green Marketing Innovation and Eco-Friendly Products on Purchase Intention of Skincare in the Era of Sustainable Economy
This study analyzes the impact of green marketing innovation and eco-friendly product attributes on consumer purchase intention in the skincare industry in the sustainable economy era. A quantitative method was employed by distributing questionnaires to 110 Somethinc customers at Vanilla Skincare & Cosmetic Store, with respondents selected based on their familiarity with experience with the products. The instruments were tested for validity and reliability, and data analysis was performed using multiple linear regression with SPSS 27.The findings show that green marketing has a positive but insignificant influence on purchase intention. Campaigns such as collaboration with LindungiHutan and the EmptyBox program helped strengthen brand awareness but did not substantially affect consumer decisions. In contrast, eco-friendly products demonstrated a positive and significant effect. Factors including quality, the use of natural ingredients, recyclable packaging, and proven skin health benefits were the main drivers of consumer purchase interest. Overall, the research concludes that sustainability and product quality play a greater role than promotional strategies in shaping buying decisions. These results suggest that skincare companies should continue to innovate in eco-friendly product development while reinforcing sustainable marketing to build long-term consumer trust.
The The Influence of Accounting Information System Service Quality and the Use of Fintech Gateway Payments on the Performance of MSMEs in Medan Marelan District
In the digital era, the adoption of technology and accounting information systems is crucial for improving business performance, including in the MSME sector. This study analyzes the effect of accounting information system service quality and the use of Fintech Gateway Payments on the performance of MSMEs in Medan Marelan District. The population consisted of 284 MSMEs in 2025, with 108 samples selected through purposive sampling of businesses using accounting information system and Fintech services. Data were collected using Likert-scale questionnaires and analyzed with multiple linear regression through SPSS. The findings show that AIS service quality has a significant partial effect on MSME performance, and Fintech Gateway Payments also significantly influence performance. Simultaneously, both variables have a significant combined effect, explaining 54.4% of the variance in MSME performance. These results highlight the role of AIS and Fintech in enhancing efficiency, competitiveness, and sustainability in MSMEs.
The Role of Innovation Capability and Human Resource Management in Realizing Competitive Advantage: Case Study at Angliss Bakehouse Medan City
This research aims to analyze the role of innovation capability and human resource management in realizing Angliss Bakehouse's competitive advantage in Medan City. The quantitative research method with the Structural Equation Modeling approach based on Partial Least Squares (SEM-PLS) was applied to 100 consumer respondents through incidental sampling techniques. The results of the analysis showed that innovation capability had a positive and significant effect on competitive advantage with a path coefficient of 0.335 (p=0.021) and an effect size of f² of 0.143, although it was relatively weak. Meanwhile, human resource management exerted a stronger influence with a path coefficient of 0.554 (p < 0.001) and f² of 0.390. The two variables together explain the 71.7 % variation in competitive advantage (R²=0.717, Q²=0.677), confirming the model's predictive relevance. These findings indicate that innovation needs to be supported by effective HR practices for the consistent implementation of new ideas. The practical implications of this research prompted Angliss Bakehouse to strengthen its R&D team, develop structured training modules, and integrate R&D and HR functions. In addition, the digitization of operational and marketing processes, as well as the implementation of an open innovation framework are proposed as strategies to strengthen the competitive base and encourage sustainable business growth.
The Influence of Rational Content Marketing and Brand Image on PYARY Consumer Loyalty
This study aims to analyze the influence of Rational Content Marketing and Brand Image on Consumer Loyalty of PYARY soap products in Medan City. The research method used is quantitative by distributing questionnaires to 219 respondents, and data processing using validity tests, reliability, multiple linear regression analysis, t test, F test, and coefficient of determination. The results of the study indicate that Rational Content Marketing partially has no positive and significant effect on Consumer Loyalty, with a calculated t value of 0.475 <ttable 1.652 and a significance of 0.635> 0.05. On the other hand, Brand Image has a positive and significant effect with a calculated t value of 4.865> ttable 1.652 and a significance of 0.000 <0.05. Simultaneously, both variables have a significant effect on Consumer Loyalty with a calculated F value of 79.597> Ftable 3.04 and a significance value of 0.000 <0.05. The coefficient of determination (R²) of 0.424 shows that 42.4% of the variation in Consumer Loyalty is influenced by Rational Content Marketing and Brand Image, while 57.6% is influenced by other factors outside the research.
The Impact of Good Corporate Governance, Internal Controls, and Human Resource Competence on Fraud Prevention (A Case Study at PT Britania Akademi Indonesia)
This study aims to determine whether Good Corporate Governance, Internal Control and Human Resource Competence have a significant effect on Fraud Prevention (Case Study at PT Britania Akademi Indonesia). This study uses quantitative data methods and the data source is primary data. The population in this study were all admin staff and teachers working at PT Britania Akademi Indonesia, totaling 33 people. The sample of this study amounted to 33 people obtained by saturated sampling technique. Data analysis and testing consisted of validity test, reliability test, descriptive statistics, classical assumption test, multiple linear regression analysis, partial (t-test) and simultaneous (F-test) hypothesis testing, and coefficient of determination test. The results showed that Good Corporate Governance had a significant effect on Fraud Prevention with a t-value of -2.502 > t-table 2.048. Internal Control had a significant effect on Fraud Prevention with a t-value of 3.430 > t-table 2.048. Human Resource Competence had a significant effect on Fraud Prevention with a t-value of 8.368 > t-table 2.048. Good Corporate Governance, Internal Control, and Human Resource Competence have a significant simultaneous effect on Fraud Prevention with a calculated F value of 83,000 > Ftable 3.34 with a regression coefficient value of 88.5%.
Analysis Of Fintech Payment Apps And Hedonistic Lifestyle On The Impulsive Buying Habits To UNPRI Students (Impact On Online Shopping Habits)
Motivated by the growing adoption of financial technology and the rise of hedonistic lifestyles among students, this research aims to analyze the effect of financial technology and hedonistic lifestyles on the impulsive buying habits of students at Universitas Prima Indonesia (UNPRI) Medan. This study employs a quantitative approach using a Using a quantitative survey of 100 Management students of Universitas Prima Indonesia (UNPRI) Medan selected via incidental sampling, considering the characteristics of Generation Z, selected through incidental sampling techniques. The analysis results indicate that financial technology and hedonistic lifestyle have a positive and significant impact on impulsive buying. The R² value of 0.482 indicates that 48.2% % of the variance in impulsive buying is explained by these predictors, with effect sizes of 0.111 (fintech, weak) and 0.215 (hedonistic lifestyle, moderate). We recommend enhancing financial literacy programs and embedding budget‑reminder features in fintech apps to curb impulsive spending, while future research can examine moderators such as emotional intelligence and peer influence
The Influence of Financial Technology and Digital Marketing on Customer Satisfaction of Aroma Bakery and Cake Shop ( Case Study of Generation Z Lubuk Pakam)
This study aims to analyze the effect of financial technology and digital marketing on customer satisfaction at Aroma Bakery and Cake Shop, Bakaran Batu branch. The population for this study consists of 22,388 Generation Z individuals (aged 14–28 years old) in Lubuk Pakam, and quantitative data is used. Using the Slovin formula, 100 Generation Z respondents were obtained. The questionnaire data was tested for validity and reliability using Cronbach's alpha, then the data was analyzed using normality tests, multiple linear regression, multicollinearity, T-tests, F-tests, and determination coefficient calculations (R²). The regression equation Customer Satisfaction = 7.347 + 0.371 Fintech + 0.424 Digital Marketing + e means that both variables have a positive effect. The results of the study show that fintech and digital marketing have a positive and significant effect on customer satisfaction. Fintech (t = 4.395 sig < 0.05), with its ease, practicality, trust, speed, and transaction security of fintech, can improve customer experience and satisfaction. Digital marketing has a positive and significant effect (t = 6.539, sig < 0.05), proving that content marketing, influencer marketing, and digital discount vouchers are effective in increasing customer engagement and satisfaction. Simultaneously, the coefficient of determination of 61% indicates that the variables studied contribute significantly to customer satisfaction.
The Influence of Digitization and Human Resources Competence on the Financial Performance of Pondok Permai Restaurant
This study aims to examine the effect of Digitization and Human Resource Competence on the Financial Performance of Pondok Permai Restaurant. This study uses quantitative methods with multiple linear regression analysis. The sample consisted of 60 employees randomly selected based on certain criteria. Data were collected through observation, documentation, and questionnaires. The results showed that Digitization and HR Competence had a positive and significant effect on the Financial Performance of Pondok Permai Restaurant, both partially and simultaneously. These findings underscore the importance of digital transformation and human resource capacity building in driving the financial performance of Pondok Permai Restaurant in the digital era. The results of the hypothesis test in this study showed that the effect of digitization (the role of financial technology) on the financial performance of MSMEs (X1 → Y) showed significant results with a t-value of 4,089 > t-table 2,007. In addition, the relationship between HR competence and MSME financial performance (X2 → Y) was also proven to be significant, with t-value 7,358, and t-table 2,007. And the results of the analysis also prove that there is an indirect effect of digitization on financial performance through HR competence (X1 → X2 → Y), with an F-value of 329.463 > F-table 3.16. Overall, the results of this study strengthen the argument that the application of digital technology and the strengthening of human resources capacity is not only a trend, but a strategic need in optimizing the performance of MSMEs in the era of digital transformation.
The Impact of Digital Marketing Strategies and Environmentally Friendly Innovations on Brand Loyalty at The Body Shop Thamrin Plaza
This research is motivated by the low levels of customer involvement and loyalty at The Body Shop Thamrin Plaza Medan, despite the outlet implementing promotions, various programs, and recycling workshops. To address this issue, the study employs a quantitative approach with a sample of 100 customers selected using incidental (convenience) sampling through a structured questionnaire. The data were tested for validity and reliability, were found to meet the classical assumptions of normality and multicollinearity, and were then analyzed using multiple linear regression on SPSS version 25. The t-test shows that digital marketing strategies have a significant positive effect on brand loyalty (β = 0.408, t = 4.703, p < 0.05) while environmentally friendly innovations also have a significant positive effect (β = 0.456, t = 4.765, p < 0.05). The overall F test indicates that both variables collectively explain 58.8% of the variation in brand loyalty (F = 69.278, p < 0.05). These results support all three hypotheses and recommend enhancing digital content personalization as well as regularly scheduling green programs to strengthen relationships with consumers and potentially increase brand loyalty for The Body Shop Thamrin Plaza Medan.
Determinants of Technology Acceptance among Older Adults in Malaysia
This study examines elderly Malaysians’ intention to use QR ordering through the Unified Theory of Acceptance and Use of Technology, focusing on ease of use, performance expectancy, and social influence. A survey was analysed using partial least squares structural equation modelling. Diagnostics indicated acceptable univariate normality with some multivariate non normality, and checks for common method variance were satisfactory. The measurement model met accepted reliability and validity standards. In the structural model, performance expectancy and ease of use both showed positive effects on behavioural intention, while social influence was not a significant driver. The importance performance map identified performance expectancy as the most influential driver of intention and ease of use as the next most influential, both with room for further enhancement, whereas social influence showed limited importance. Findings suggest that older adults form intention when the system clearly delivers benefits such as faster and more convenient ordering and is simple to operate. Practically, providers should highlight tangible benefits, streamline the journey, and offer clear guidance at the point of use. Limitations include a single service context, a cross sectional design, and reliance on self reported intention. Future research should test causal pathways and examine mediators and moderators such as recognition of benefits, education, and dining context.
The Influence of Digital Marketing and Service Quality on Consumer Interest in Using the Services of BTSA Logistics Medan
A successful marketing plan is essential for piquing customer interest in buying items, pushing businesses to become more competitive with both local and international rivals. BTSA Logistics, an Indonesian shipping firm, began operations in Medan in 2000. According to data on the quantity of containers and revenue, BTSA Logistics Medan has fallen short of its goals. It is believed that this is due to two key reasons: poor service quality and a digital marketing plan that is still underdeveloped. This study included all 608 clients who completed transactions with BTSA Logistics Medan in 2024. The Slovin formula was used to calculate the study's sample size, which was 241 respondents. The study's findings suggest that digital marketing has a limited impact on interest in utilizing BTSA Logistics Medan's services. Service quality has a partial impact on interest in utilizing BTSA Logistics Medan services. Digital marketing and service quality have a combined impact on interest in utilizing BTSA Logistics Medan services.
The Impact of Eco-Friendly Packaging Innovation and Green Branding Communication on Image Green Brand KFC Asia Megamas Medan
This study addresses the challenges arising by increasing environmental concerns and packaging waste in fast food outlets by examining the impact of eco-friendly packaging innovations and green brand communication on the green brand image of KFC Asia Megamas Medan. The aim was to assess the individual effects of green packaging and green brand communication on brand image as well as combined influence. A quantitative approach was used, with incidental sampling techniques to study about 100 KFC consumers, and the data were analyzed with SPSS through validity, reliability, classical assumption tests and multiple linear regression. The results revealed that both eco-friendly packaging innovation and green brand communication had a significant positive effect on green brand image and collectively explained 57.8% of the variance. The results of this study show that integrating eco-friendly packaging innovations with transparent green branding communication can strengthen consumer perception of the image of fastfood brands and direct practical sustainability strategies.
The ESG Dilemma in Indonesia’s Metal & Others Mineral Firms: Evaluating Corporate Social Responsibility and Good Corporate Governance Effects the Financial Performance
This study examines the impact of Corporate Social Responsibility and Good Corporate Governance on Financial Performance in Indonesia's metal and mineral mining sector from 2021 to 2024. Through quantitative analysis of secondary data from eight companies' financial, sustainability, and annual reports, multiple linear regression was employed alongside classical assumption tests and hypothesis testing. Results demonstrate that both variables significantly enhance Financial Performance individually and collectively. The t-test value for Corporate Social Responsibility was 2.258 and Good Corporate Governance was 3.353 surpassed the critical value of 2.0423 at significance levels below 0.05, while the F-test result of 18.450 (p < 0.001) confirmed their combined effect. With an R² of 0.560, these factors explain 56% of performance variance, indicating their substantial influence. The findings highlight how integrating these practices into corporate strategy can improve financial sustainability and risk management, offering valuable insights for corporate leaders and policymakers in promoting sustainable mining operations, while establishing a basis for further research on additional performance determinants.
How Sustainability Awareness Shapes Consumer Purchase Intentions through Attitudes and Perceived Value in the Thrift Market in Indonesia
The fashion industry is a rapidly growing economic sector, but it has a significant impact on the environment. The trend of thrift fashion or buying secondhand clothes has emerged as an alternative form of sustainable consumption that supports the circular economy. This study aims to examine the relationship between sustainability awareness, attitude toward thrift products, perceived value, and consumer purchase intentions in the context of fashion reuse in Indonesia. This study uses a conceptual literature review approach by synthesizing previous research results in the field of sustainable fashion and consumer behavior. The conceptual model is built based on Theory of Planned Behavior (Ajzen, 1991) and Value–Attitude–Behavior Framework (Homer & Kahle, 1988). The synthesis results show that sustainability awareness does not directly influence purchase intention, but rather through two main mediating pathways: (1) positive attitude toward thrift products as an affective pathway, and (2) perceived value towards the functional, emotional, and social benefits of the product as a cognitive pathway. These two mediators explain how environmental awareness shapes behavioral tendencies without the need to involve external variables such as social norms. Theoretically, this study reinforces our understanding of sustainable consumer behavior. In practical terms, the results provide guidance for thrift fashion MSMEs to emphasize sustainability, quality, and ethical image in their marketing strategies in order to encourage more environmentally friendly consumption behavior.
The Effect of Financial Literacy and Financial Management on Financial Well-being in MSMEs Medan Helvetia District
This study aims to analyze the effect of financial literacy and financial management on financial well-being in Micro, Small, and Medium Enterprises (MSMEs) in Medan Helvetia District. This study uses a quantitative approach method and primary data, where the research data is in the form of survey results on MSMEs in Medan Helvetia District and uses a saturated sample of 60 samples. Data analysis and testing consist of validity tests, reliability tests, descriptive statistics, classical assumption tests, multiple regression analysis, partial hypothesis testing (t test) and simultaneous (F test). The results of the validity and reliability tests indicate that the research instrument is valid and reliable. The results of this study indicate that financial literacy has a significant effect on the financial well-being of MSMEs in Medan Helvetia District with a calculated t value of 3.927 > t table 2.00172. Financial management has a significant effect on the financial well-being of MSMEs in Medan Helvetia District with a calculated t value of 2.250 > t table 2.00172. Financial literacy and financial management have a significant simultaneous effect on the financial well-being of MSMEs in Medan Helvetia District with a calculated F value of 16.326 > F table 3.16. The coefficient of determination (R2) value of 0.363 indicates that 36.3% of the variation in financial well-being can be explained by financial literacy and financial management, while the remaining 63.7% is explained by other factors outside this research model.
The The Influence of Financial Literacy and Financial Technology on the Financial Performance of MSMEs (Case Study on MSMEs in Asia Mega Mas)
This study analyzes the influence of financial literacy and financial technology on the financial performance of MSMEs in the Asia Mega Mas Complex, Medan City. The research population consists of 95 MSMEs, with 60 samples obtained through purposive sampling. Data were collected using questionnaires and analyzed using IBM SPSS Statistics 25. The analysis includes validity and reliability testing, descriptive statistics, classical assumption tests, multiple linear regression, T – test, F – test , and the coefficient of determination (R²). The T – test results show that Financial Literacy significantly affects the Financial Performance of MSMEs, with T – Count is 5,067 > T – table is 2,00172 and a significance level of 0,000 < 0,05. Similarly, Financial Technology has a significant effect with T – Count is 5,856 > T Table 2,00172 and a significance level of 0,000 < 0,05. The F – Test indicates that both variables jointly influence MSME Financial Performance, with F – Count is 33,094 > F – Table value is 3,16 and a significance level of 0,000 < 0,05. The coefficient of determination (R²) is 0,537, showing that 53,7% of MSME Financial Performance is explained by Financial Literacy and Financial Technology, while 46,3% is affected by other factors not examined in this study.
The Effect of ESG Implementation and Operational Efficiency on Company Performance at PT. Agrojaya Perdana
This study aims to determine the effect of ESG implementation on company performance at PT. Agrojaya Perdana, determine the effect of operational efficiency on company performance at PT. Agrojaya Perdana, and determine the effect of ESG implementation and operational efficiency on company performance at PT. Agrojaya Perdana. The research methodology used is quantitative research. The type of data used in this study is quantitative data, which is data obtained in the form of numbers or figures. The data source is primary data. Primary data was obtained from the results of a questionnaire distributed to PT. Agrojaya Perdana employees. The population in this study was PT. Agrojaya Perdana employees. From the population, a sample of 30 was selected. Validity tests, reliability tests, multiple linear regression analysis, classical assumption tests, partial hypothesis tests (T-tests) and simultaneous significance (F-tests), as well as coefficient of determination tests were all included in the data analysis and testing. The results of the analysis provide the equation Company Performance = 6.205 + 0.254 ESG Implementation + 0.548 Operational Efficiency + e. The t-test results show that the ESG implementation variable has a positive and significant effect on company performance at PT. Agrojaya Perdana where tcount (2.043) > ttable (2.000), the operational efficiency variable has a positive and significant effect on company performance at PT. Agrojaya Perdana where tcount (5.980) > ttable (2.000), the F-test results show that Fcount (71.780) > Ftable (3.15) which means that the independent variables (ESG implementation and operational efficiency) simultaneously affect the dependent variable (company performance). The results of the coefficient of determination (R2) show that 70.5% of company performance variables are influenced by ESG implementation and operational efficiency while the remaining 29.5% are influenced by other variables.
The Influence of Carbon Emission Disclosure, Corporate Social Responsibility, and Intellectual Capital on Firm Value in Coal Mining Companies in Indonesia
This study aims to analyze the significant effects of carbon emission disclosure, corporate social responsibility, and intellectual capital on firm value. The research uses quantitative approach based on secondary data. The population consists of 32 coal companies listed on the Indonesia Stock Exchange. The sampling method uses purposive sampling, which reduced the number of companies studied from 32 to 11 based on predetermined criteria. Data testing was carried out with IBM SPSS Statistics 25 through descriptive statistics, multiple regression analysis, classical assumption tests, simultaneous (F test) and partial (T test) hypothesis testing, and determination coefficient test. The results show that the carbon emission disclosure variable has a significant effect on firm value, with a t-value of 2.023 > t-table of 2.00665. Meanwhile, the corporate social responsibility variable also has a significant effect on firm value, with a t-value of 2.445 > t-table of 2.00665. The intellectual capital variable has a significant effect on firm value, with a t-value of 2.166 > t-table of 2.00665. Simultaneously, the variables of Carbon Emission Disclosure, Corporate Social Responsibility, and Intellectual Capital have a significant effect on Firm Value, with an F-value of 8.793 > F-table of 2.79 and a significance value of 0.000 < 0.05, with a regression coefficient of 30.2%.
Economic Globalization: Management Strategy and E-Commerce Trends at the Retail Business in Medan City (Indomaret)
This study aims to examine the influence of management strategy and e-commerce trends on economic globalization at the retail businesses in Medan City. The research approach uses a quantitative method with path analysis based on Partial Least Squares Structural Equation Modeling operated through SmartPLS software. The respondents consisted of Indomaret consumers in various branches of Medan City who were selected by incidental sampling technique, where each consumer who was met by chance and met the criteria became the source of the data. The research instrument included a structured questionnaire with indicators for the three latent variables. The results of the analysis show that management strategies have a significant positive influence with moderate strength, while e-commerce trends display a higher magnitude positive influence. Simultaneously, the two constructs are able to explain about two-thirds of the variability in economic globalization. These findings confirm the importance of the synergy of adaptive managerial frameworks and digital capabilities in driving the integration of local markets into global economic networks. The practical implications of the research include recommendations for the implementation of agile iteration-based management transformation protocols and the improvement of omnichannel capabilities to strengthen competitiveness in the digital era.
Constructing Perceived Consumer Value Through Digital Financial Transformation and Green Marketing: The Case of KFC Indonesia – Centre Point Medan
Rapid growth in business has increased competition among companies, leading to the need for effective marketing approaches. This study seeks to examine the relationship between the use of financial technology, green marketing practices, and how customers view their purchasing experience at the KFC branch located in Centre Point, Medan. The study's population included all customers of KFC Centre Point during the research period. A sample of 120 participants was selected, determined through the Hair et al. formula with a 5% margin of error. The findings show that fintech adoption has a partial effect on perceived value at the KFC Centre Point Medan branch, and green marketing also has a partial effect on perceived value. Additionally, both fintech adoption and green marketing together have an impact on perceived value at the KFC Centre Point Medan branch.
Capital Market Masterplan 3: Strengthening Malaysia’s Islamic Capital Market for Sustainable Growth
The Capital Market Masterplan 3 (CMP3), introduced by the Securities Commission Malaysia in 2021, provides a strategic five-year framework to advance Malaysia’s Islamic Capital Market (ICM). It aligns Shariah-compliant finance with global sustainability objectives, digital innovation and financial inclusion. This paper examines CMP3’s six strategic pillars catalyzing competitive growth; empowering investors; shaping the stakeholder economy; embedding shared accountability; prioritizing efficiency outcomes; and embracing technology and assesses their grounding in Maqasid al-Shariah and ESG principles. Drawing on qualitative policy analysis and market statistics, this study shows how CMP3 enhances market resilience, broadens access for MSMEs and mid-tier firms, and positions Malaysia as a global Islamic finance hub. This study concludes with recommendations to strengthen regulatory support, harmonize Shariah governance and accelerate digital transformation to realize CMP3’s vision fully.
Analyzing the Impact of TikTok-Video Content Marketing Strategy and Entrepreneur Personal Branding on Consumer Purchase Intention in the Used Car Market: A Case Study of Mestika Jaya Mobil Showroom
The development of digital marketing has encouraged used car businesses to leverage social media, particularly TikTok. This study aims to analyze the influence of content marketing and personal branding on purchase intention for used cars at Mestika Jaya Mobil Showroom, Medan. The research design employed a descriptive quantitative approach with a sample of 100 respondents obtained through purposive sampling. Data were collected using a five-point Likert scale questionnaire and analyzed through multiple linear regression using SPSS, accompanied by validity and reliability tests, classical assumption tests, t-tests, F-tests, and the coefficient of determination. The findings reveal that content marketing and personal branding significantly affect purchase intention, both individually and simultaneously. The model explains 74.2% of the variance in purchase intention. These results highlight the effectiveness of content marketing strategy through TikTok and entrepreneurs’ personal branding in enhancing purchase intention in the used car market. This study offers practical insights for used car businesses to optimize their marketing strategies.
Consumer Purchase Preferences of Medan City Residents in using Fintech Payment and Consumer Behavior in the Digital Era
This study examines the influence of financial technology (fintech) and consumer behavior on consumer purchase preferences in Medan City in the digital era. The method used is a quantitative approach with a survey of 100 respondents in Medan who routinely use digital wallet applications, as well as data analysis using Partial Least Squares (PLS) through SmartPLS software. The results showed that fintech had a positive and significant effect on purchase preferences with a path coefficient of 0.374 (p = 0.003, f² = 0.181), while consumer behavior had a stronger impact with a coefficient of 0.455 (p = 0.000, f² = 0.268). The two variables together explain the 57.4 % variability of purchasing decision preferences (R² = 0.574), with strong predictive relevance (Q² = 0.510). The results of this study show that the integration of fintech payment and consumer behavior together contributes significantly to consumer purchase preferences in the Medan City. Practical recommendations from the study include improving digital and financial literacy through integrated education programs for all levels of society, as well as simplifying the e-money application interface to make it more intuitive and accessible.
The Influence of Influencer Marketing and Consumer Trust on the Repurchase Intention of Local Fashion Products in Medan Helvetia District
This study aims to analyze the influence of influencer marketing and consumer trust simultaneously or partially on the repurchase intention of local fashion products in Medan Helvetia District. The method used was descriptive quantitative with a questionnaire survey distributed to 100 consumer respondents aged 18-35 years in the research area. The collected data was analyzed using SPSS software through instrument validity and reliability tests, normality, multicollinearity, and multiple linear regression. The results of the analysis showed that influencer marketing had a positive and significant effect on repurchase intention with a regression coefficient of 0.427 (t = 4.844, p < 0.05), as well as consumer confidence which made a significant positive contribution with a coefficient of 0.466 (t = 4.817, p < 0.05). Simultaneously, the two variables were able to explain 60.8% variation in repurchase intent (F = 75,145, p < 0.05), while the rest were influenced by other factors outside of this study. These findings provide empirical evidence for local fashion businesses to prioritize long-term collaboration strategies with influencers as well as efforts to strengthen consumer trust to increase loyalty and sustainable sales growth.
The Effect of Cloud-Based Accounting Information Systems and Internal Control on The Quality of Financial Reports at PT Capella Dinamik Nusantara
This study aims to analyze the relationship between cloud-based accounting information systems and internal control on the quality of financial statements at PT Capella Dinamik Nusantara. A quantitative approach was employed in the data collection process. The research population comprised 207 employees of PT Capella Dinamik Nusantara. Using purposive sampling, the final sample was reduced to 70 employees who met the specified criteria. Data were collected through the distribution of questionnaires using a Likert scale, followed by descriptive statistical analysis, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The regression equation obtained was: Financial statement quality = 11.060 + 0.739 cloud-based accounting information systems + 0.593 internal control + e. The t-test results revealed that the accounting information system variable significantly influenced financial statement quality at PT Capella Dinamik Nusantara (t = 76.478 > t-table 1.995). The internal control variable also significantly influenced financial statement quality (t = 4.275 > t-table 1.995). Furthermore, the F-test showed that both cloud-based accounting information systems and internal control simultaneously influenced financial statement quality (F = 48.703 > F-table 3.13). The coefficient of determination (R²) test indicated that 59.2% of the variation in financial statement quality was explained by cloud-based accounting information systems and internal control, while the remaining 40.8% was influenced by other factors outside the scope of this study.
Technology Usage Strategy And Distribution Channel In Increasing Customer Satisfaction From Service Offerings Available In The Marketplace (Go International)
This research is motivated by the challenges in ensuring customer satisfaction with marketplace services, which are still hindered by gaps in users' digital literacy, the complexity of distribution channels, and various conditions of logistics infrastructure in different regions. This study aims to evaluate the extent to which technology usage strategies and the effectiveness of distribution channels can contribute to increasing consumer satisfaction levels in marketplace based on service offerings. The research method used is descriptive quantitative, with data collected through an online questionnaire sent to marketplace users, which is then analyzed using PLS SEM to test the strength and significance of the influence between variables. The main results indicate that both research variables significantly affect customer satisfaction, with a stronger contribution coming from the distribution channels. In conclusion, strategies for technology use and the effectiveness of distribution channels both contribute to increasing customer satisfaction in service marketplace. The implications of this research emphasize that increasing customer satisfaction in the marketplace cannot be achieved solely by updating the interface in digital use or accelerating the delivery process separately, but rather requires synergy between technology use strategies and a well-functioning distribution channel network.
The Effect of Innovation and Fintech (Financing Access) On Repurchase Intention In Msmes Kampung Baru Village
This study aims to investigate the influence of innovation and fintech on the repurchase intention of culinary MSME consumers in Kampung Baru Village, Medan, which has been facing challenges of low product diversification, conventional capital constraints, and limited digital infrastructure. The descriptive quantitative method was applied by collecting data through questionnaires to 100 respondents who were selected incidentally and data analysis using SPSS 25 involving tests of validity, reliability, normality, multicollinearity, and multiple linear regression. The results of the study show that innovation has a positive and significant influence. Meanwhile, fintech also has a positive and significant effect on repurchase intention, with a determination coefficient of R² of 0.533 which means that the two variables explain 53.3% of the repurchase intention variable. These findings confirm the importance of synergy between innovation and fintech in increasing the repurchase intention of culinary MSMEs in Medan. Therefore, it is recommended that MSME actors conduct periodic market research, develop innovations according to consumer needs, and implement a simple digital recording system, fintech providers simplify the application interface, offer flexible loan tenors, and financial literacy modules.
The Evolution of Content Marketing : Analysis of Trend Product and Their Impact on Customer Loyalty at Bank Mestika, North Sumatra
This research is motivated by the high customer turnover rate at Bank Mestika in North Sumatra, caused by the lack of relevant content marketing and the slow adaptation of trend product to the needs of modern customers. The purpose of this study is to examine the influence of content marketing and trend product on customer loyalty and to identify the synergy between these two variables in forming emotional bonds and customer loyalty behavior. The techniques used include a questionnaire survey and purposive sampling of customers who have been active for at least two years. The data analysis method applies Partial Least Square Structural Equation Modeling to test the validity, reliability, path coefficient, effect size, and predictive relevance of the research model. The results show that content marketing partially and simultaneously has a positive and significant effect on customer loyalty with a moderate effect strength, as well as trend product that provide a similar contribution to customer loyalty. The model's explanatory value reaches a high level and its predictive relevance supports strategic decisions for Bank Mestika in designing integrated content marketing and trend product to strengthen customer loyalty.
Analysis Analysis of the Influence of Corporate Governance and Digital Financial Innovation on Increasing MSME Income in Cemara Asri, Medan.
This study aims to find out whether Corporate Governance and Digital Financial Innovation have a significant effect on increasing MSME Income in Cemara Asri, Medan. This study uses quantitative data methods and the data source is primary data. The population in this study is MSMEs that are polluted by Asri, which totals 52 MSMEs. Data analysis and testing consisted of validity tests, reliability tests, descriptive statistics, classical assumption tests, multiple regression analysis, partial hypothesis testing (t-test) and simultaneous tests (F tests), as well as determination coefficient tests. The results of the study show that Corporate Governance has a significant partial effect on the increase in MSME Income in Cemara Asri Medan with a calculated t value of 2,254 > ttable 2,009. Digital Financial Innovation has a significant partial effect on the Increase in MSME Income in Cemara Asri Medan with a calculated t value of 8,704 > ttable 2,009. Corporate Governance and Digital Financial Innovation have a simultaneous significant effect on the Increase in MSME Income in Cemara Asri Medan with an F value of 247,628 > Ftable 3.18 with a regression coefficient value of 91%.
Building Customer Loyalty in the Digital Economy Era: The Role of CRM Innovation and Promotional Strategies at Smarco Superstore Ring Road City Walks Medan
This study examines the impact of Customer Relationship Management (CRM) and sales promotion on customer loyalty at Smarco Superstore Ring Road City Walks Medan. The research is grounded in the challenges of modern retail competition with the rise of e-commerce and the shift in consumer behavior toward digitalization, which highlight the need for effective CRM and promotional strategies. A quantitative survey method was applied, using primary data collected from 96 purposively selected respondents through a Likert-scale questionnaire. Data were analyzed using multiple linear regression, along with validity and reliability tests, classical assumption testing, t-test, F-test, and coefficient of determination. Results show that CRM has a positive but insignificant partial effect on loyalty, while sales promotion has a positive and significant partial effect. Together, CRM and sales promotion significantly influence loyalty with a contribution of 40.7%, leaving the remainder to other factors. The findings highlight the importance of consistent sales promotion and optimized CRM to enhance sustainable customer loyalty.
The Effect of Green Packaging and Digital Payment on Consumer Behavior (A Case Study at Indomaret Asia Mega Mas Branch)
The central goal of this research is to ascertain how environmentally friendly packaging (X1) and electronic payment methods (X2) influence how customers act when shopping at the Asia Mega Mas Indomaret store in Medan. The survey involved 130 participants, all of whom were customers at the Asia Mega Mas Indomaret location in Medan. The method of data collection employed direct distribution of questionnaires to respondents. The outcomes of the research demonstrate that utilizing eco-friendly packaging (X1) has a favorable impact on consumer actions (Y), and using digital payment options (X2) also positively affects consumer behavior (Y).