Abstract:This research aims to analyze and determine the effect of digitalization of payment transactions on regional spending in Mamasa Regency. This research is quantitative research using primary and secondary data sources. The…
e primary data source is the results of interviews with Mamasa Regional Government employees who were the research samples where the sample collection method was purposive sampling. Secondary data consists of PAD and regional expenditure data for the last three years as well as other supporting documents. The data collection method is carried out through the following stages: Questionnaire and Interview. The collected data can be analyzed quantitatively using descriptive or inferential statistics to test hypotheses. Analysis of this research data uses regression techniques, namely simple linear analysis. Hypothesis testing is carried out to see the level of significance of the influence of the independent variable on the dependent variable. The research results show that there is a significant positive influence of digitalization of payment transactions on regional spending in Mamasa district.
Abstract:This research aims to determine the impact of Financial Literacy and Lifestyle on the individual financial management of employees at Paulus Indonesian Christian University. The problem focuses on identifying financial literacy…
iteracy and lifestyle that play a role in managing the personal finances of Paulus Indonesian Christian University employees. The associative and comparative methods are used in problem formulation and hypothesis. This quantitative research uses a saturated sampling technique, namely all people are sampled, where the sample size is 65 people or all employees of the Indonesian Paulus Christian University. Data was collected through questionnaires and analysed quantitatively with the Validity Test, Reliability Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Autocorrelation Test, t-test, and f-test. The results of the hypothesis test show that financial literacy has a significant positive effect on individual financial management, while lifestyle has a non-significant and negative effect on personal management. Although Lifestyle has an insignificant and negative effect, together with Financial Literacy it is stated that it has a significant positive effect on Individual Financial Management for UKI Paulus employees
Abstract:A The phenomenon of adolescents lacking independence has attracted the attention of many parties, particularly within the school and family environments. For instance, many teachers and parents report that junior high school…
hool students still rely on their parents for simple matters, such as preparing school supplies, arranging study schedules, and even choosing extracurricular activities. On the other hand, there are also adolescents who demonstrate a high level of independence because they are accustomed to making their own decisions at home. This research uses a quantitative method with purposive sampling as the sampling technique. The subjects involved in this study consist of 100 early adolescents from Bandar Lampung. The reliability of the independence scale was 0.781 and the parental bonding scale was 0.725. This is shown by the correlation coefficient value of R = 0.347 and R² = 0.120, with a significance level of p < .001.
Abstract:Halal certification has become an essential mechanism for ensuring that products meet Islamic requirements while also maintaining standards of safety, quality, and consumer protection. Despite its growing importance, awareness…
reness and understanding of halal certification remain relatively limited among community members, particularly women who play a central role in household purchasing decisions. This community engagement initiative was designed to enhance the knowledge and awareness of members of the Family Welfare Empowerment Organization (PKK) in Sidodadi Village, Kedaton District, Bandar Lampung City, regarding the significance of halal certification in consumer products. The program engaged 30 participants and applied a participatory educational approach consisting of counseling sessions, interactive discussions, lectures, and question-and-answer activities. Knowledge acquisition was evaluated through pre-test and post-test assessments. The findings demonstrated a marked improvement in participants’ understanding, with average scores increasing from 51.3% prior to the intervention to 94.0% afterward. The program not only strengthened participants’ awareness of halal-certified products but also encouraged more informed and responsible consumption practices. These results highlight the effectiveness of community-based halal literacy initiatives in fostering greater public understanding and supporting the development of a halal-conscious society.
Abstract:The creative service industry, particularly wedding organizer services, has experienced significant growth in Indonesia due to changing lifestyles, increasing consumer expectations, and rising demand for professionally managed…
anaged wedding events. This study aims to analyze the Business Model Canvas (BMC) as a business strategy at Win Production Wedding Organizer in Bandar Lampung City. The Business Model Canvas, introduced by Osterwalder and Pigneur (2010), is used as a strategic framework to examine nine key business elements: customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure. This research employs a qualitative descriptive approach, with data collected through interviews, observations, and documentation involving business owners, employees, and customers. Data validity was ensured using triangulation techniques. The findings indicate that Win Production targets middle and upper-middle income couples as its primary customer segment and offers integrated, professional, and flexible wedding services tailored to client needs. The business model demonstrates strong alignment across all nine BMC components, contributing to enhanced competitiveness and business sustainability. The study confirms that Business Model Canvas is an effective strategic tool for analyzing and improving business models in service-based industries, particularly wedding organizer businesses operating in competitive local markets.
Abstract:The rapid development of digital marketing has significantly transformed business strategies, particularly for Micro, Small, and Medium Enterprises (MSMEs). Instagram has evolved beyond a social networking platform into…
a strategic marketing tool equipped with analytical features such as Instagram Insight. This study aims to examine the effect of Instagram Insight utilization on consumer purchase decisions at Rumah Madu, an MSME operating in Bandar Lampung, Indonesia.
This research adopts a quantitative approach using a survey method. Data were collected from 92 respondents through structured questionnaires and analyzed using SPSS version 27. The independent variable is the utilization of Instagram Insight, measured through three dimensions: follower demographic analysis, follower active time analysis, and content performance analysis. The dependent variable is consumer purchase decision. Statistical analysis includes validity and reliability testing, classical assumption tests (normality, multicollinearity, and heteroscedasticity), simple linear regression, t-test, F-test, and coefficient of determination (R²).
The results suggest that Instagram Insight functions primarily as an internal strategic evaluation tool rather than a direct determinant of consumer purchasing behavior. This study contributes to the digital marketing literature by highlighting the gap between analytic tool utilization and actual consumer conversion in MSMEs. Practical implications emphasize the need for better data interpretation skills and integrated marketing strategies beyond analytics usage alone.
Abstract:Small and Medium Enterprises (SMEs) play a crucial role in strengthening local and national economies, particularly in developing countries such as Indonesia. Increasing market competition, digital transformation, and changing…
anging consumer preferences have forced SMEs to continuously develop competitive strategies in order to survive and grow sustainably. This study aims to analyze a competitive advantage strategy based on product differentiation implemented by Roti Kaisar, a bakery micro-enterprise located in Kemiling District, Bandar Lampung. Using a descriptive qualitative approach, data were collected through in-depth interviews, direct observation, and documentation. SWOT analysis was employed to identify internal strengths and weaknesses as well as external opportunities and threats affecting business competitiveness. The findings reveal that Roti Kaisar’s competitive advantage is driven by consistent product quality, independent production processes, diverse product variations, and strong customer loyalty. However, the enterprise also faces challenges such as limited production capacity, suboptimal digital marketing, and fluctuating raw material prices. The results indicate that product differentiation strategies—supported by innovation, improved packaging, digital marketing utilization, and local brand strengthening are effective in enhancing competitive positioning and supporting sustainable business growth for bakery MSMEs.
Abstract:The global demand for energy continues to increase alongside population growth and rapid industrial development, while dependence on fossil fuels remains high. This presents challenges related to environmental degradation,…
n, carbon emissions, and concerns over long-term energy availability. Biomass-based alternative energy has emerged as one of the strategic solutions to support sustainable energy transitions, particularly in developing countries such as Indonesia. One potential biomass source that remains underutilized is horse manure, which can be processed into briquettes known as Brikuda.
This study aims to analyze the potential of Brikuda as an alternative energy source and to develop a sustainable business model using the Business Model Canvas (BMC). A qualitative descriptive approach was employed, involving in-depth interviews, direct observations, and analysis of secondary data. The findings reveal that Brikuda has strong potential as a renewable fuel due to the abundant availability of horse manure in Bandar Lampung. It offers economic benefits, reduces environmental pollution, and supports local empowerment. The Business Model Canvas analysis shows that farmers and livestock breeders are the primary customer segments, while the value proposition emphasizes affordability, environmental friendliness, and ease of use.
The study concludes that the Brikuda business model can enhance local economic value, promote sustainable waste management, and serve as a feasible alternative energy innovation. The research contributes to the development of renewable energy entrepreneurship and provides a reference for policy formulation in promoting local-based bioenergy initiatives.
Abstract:This study aims to determine whether there is an influence between product image, user image, brand ambassador, promotion, price and product quality on consumer decisions to buy fashion product online in e-commerce of generation…
neration z at Bandar Lampung city. This study uses quantitative methods with multiple linear regression analysis. The number of samples in this study was 500. The method of collecting data is by distributing questionnaires using google forms as a medium. The results of the t test show that the product image variable has significant effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (4,163 > 1,965), the user image variable has significant negative effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (4,356 > 1,965), the brand ambassador variable has significant negative effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (3,664 > 1,965), the promotion variable has significant effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (5,255 > 1,965), the price variable has significant effect on purchasing decisions for buy fashion product with a tcount value greater than ttable (8,966 > 1,965), and product quality variables have a significant effect on purchasing decisions for buy fashion product products with a tcount value greater than ttable (11,077 > 1,965). Product image, user image, brand ambassador, promotion, price and product quality variables simultaneously affect the purchasing decisions for buy fashion product online in e-commerce of generation z at Bandar Lampung city.
Abstract:Kasus kecelakaan laut di Kabupaten Karimun Kecamatan Durai bertambah terus menerus. Penelitian ini bertujuan untuk mengetahui bagaimana peran pemerintah khususnya Dinas Perhubungan dalam melakukan pengawasan dan keselamatan…
tan masyarakat dalam menggunakan alat transportasi laut di Kecamatan Durai. Penelitian ini menggunakan Teori Arif yang memiliki 4 (empat) indikator yakni pemerintah sebagai regulator, pemerintah sebagai dinamisator, pemerintah sebagai fasilitator, pemerintah sebagai katalisator. jenis penelitian yang di gunakan adalah penelitian deskriptif kualitatif. data yang di kumpulkan dengan menggunakan metode wawancara dan dokumentasi. hasil penelitian ini menunjukan bahwa peran pemerintah sebagai regulator adalah masih kurang dalam memberi peraturan yang di mana tidak adanya peraturan tertulis mengenai kuantitas penumpang, peran pemerintah sebagai dinamisator masih kurang memuaskan di mata masyarakat hal ini di karenakan tidak adanya pengecek kan yang semestinya di lakukan oleh Dinas Perhubungan dan Tim Syahbandar ataupun dinas lainnya, peran pemerintah sebagai fasilitator yang berindikatorkan fasilitator juga serupa dengan regulator yang di mana masyarakat merasa kurang puas karena tidak adanya pengecekan yang di lakukan oleh Dinas Perhubungan untuk alat keselamatan di kapal, peran pemerintah sebagai katalisator pemerintah memiliki kedudukan sebagai aktor yang mempercepat pengembangan potensi daerah dan yang memungkin kan bisa menjadi model sosial untuk menciptakan partisipasi yag di mana menurut pandangan masyarakat ketika ada sesuatu hal yang terjadi di laut pada kenyataannya selalu melibatkan banyak pihak. kendala yang di hadapi oleh dinas terkait yaitu karena faktor alam, dan jadwal keberangkatan pompong dari Durai ke Semembang, Sandam dan Pulau Akat yang tidak sinkron, yang di mana Dinas Perhubungan Kecamatan Durai ini terletak di Kabupaten Karimun.