Jurnal Ilmiah Ekonomi Bisnis
type: channel
description: Jurnal Ilmiah Ekonomi Bisnis diterbitkan secara berkala tiga kali dalam setahun, yaitu pada bulan April, Agustus, dan Desember. Jurnal ini memuat artikel ilmiah hasil penelitian di bidang ekonomi dan bisnis yang meliputi manajemen, akuntansi, perbankan, asuransi, pemasaran, dan koperasi, yang ditulis dalam bahasa Inggris. Jurnal ini diterbitkan oleh Bagian Publikasi Universitas Gunadarma. Jurnal Ilmiah Ekonomi Bisnis telah terakreditasi Peringkat 3 (SINTA 3) oleh RISTEKDIKTI.
publisher: Universitas Gunadarma
language: id
publication name: Jurnal Ilmiah Ekonomi Bisnis
issn: 0853-862X
items: DAMPAK KUALITAS LAYANAN DAN KEPERCAYAAN TERHADAP LOYALITAS NASABAH PENGGUNA MOBILE BANKING DENGAN KEPUASAN SEBAGAI VARIABEL PEMODERASI
items: DARI TOKO FISIK KE LAYAR DIGITAL: PERAN SHOWROOMING DALAM MEMBANGUN EMOSI BERBELANJA KONSUMEN PADA PRODUK KECANTIKAN
items: KETIDAKPASTIAN EKONOMI GLOBAL DAN IMPLIKASINYA TERHADAP PEREKONOMIAN SUMATERA UTARA: ANALISIS SIMULASI DAN STRATEGI KEBIJAKAN
items: MENGHADAPI TANTANGAN: RITEL TRADISIONAL DI TENGAH DOMINASI RITEL MODERN
items: PERAN SIKAP KONSUMEN DALAM MEMEDIASI PENGARUH ANTARA CELEBRITY ENDORSER, CITRA MEREK, DAN ONLINE CUSTOMER REVIEW TERHADAP NIAT BELI GENERASI Z
items: FAKTOR-FAKTOR YANG MEMENGARUHI GENERASI Z DALAM MENGGUNAKAN UANG ELEKTRONIK
items: KETERKAITAN PERTUMBUHAN EKONOMI, JUMLAH PENDUDUK MISKIN, PENDIDIKAN DAN KESEHATAN: STUDI EMPIRIS JAWA TIMUR
items: STIMULUS FISKAL UNTUK KENDARAAN HYBRID 2025: PRIORITAS KEBIJAKAN ATAU MASIH PERLU EVALUASI?
items: DETERMINAN KEBIJAKAN DIVIDEN PERUSAHAAN PERBANKKAN PADA INDEX LQ45
items: LOYALITAS NASABAH BANK PERKREDITAN RAKYAT DI TANJUNGPINANG BERDASARKAN PENGALAMAN DAN KEPERCAYAAN DENGAN KEPUASAN SEBAGAI MEDIASI
items: OPTIMALISASI MARKET ORIENTATION TERHADAP DAYA SAING YANG BERKELANJUTAN PADA UMKM TANJUNG SELOR KABUPATEN BULUNGAN MELALUI ORIENTASI TEKNOLOGI
items: CONFIDENCE SHOCKS IN EMERGING MARKETS AND THEIR GLOBAL CONTAGION: INSIGHTS FROM G-CUBED SIMULATIONS
items: E-WALLET PERCEIVED EASE OF USE, SELF-CONTROL, AND FINANCIAL MANAGEMENT AMONG GENERATION Z ENTREPRENEURS WITH DIGITAL FINANCIAL LITERACY AS A MODERATING VARIABLE IN MALANG CITY
items: MAPPING GREEN PERFORMANCE INDICATORS IN SMALL AND MEDIUM ENTERPRISES (SMES): A LITERATURE-BASED EXPLORATION OF GREEN SUPPLY CHAIN PRACTICES
items: THE INFLUENCE OF LIVE STREAMING AND PRICE DISCOUNT ON IMPULSE BUYING AMONG TIKTOK SHOP USERS THROUGH POSITIVE EMOTION AS AN INTERVENING VARIABLE
items: THE INFLUENCE OF FUNCTIONAL VALUES, SOCIAL VALUES, AND HEDONIC MOTIVATION ON REPURCHASE INTENTION OF VIRTUAL GOODS IN ROBLOX USERS AMONG GENERATION Z SURABAYA
items: ANALYSIS OF DETERMINANTS OF THE ENVIRONMENTAL QUALITY INDEX IN SIX PROVINCES OF JAVA ISLAND
items: ATTITUDE TOWARD KOREAN CELEBRITIES VS INDONESIA CELEBRITIES: WHICH ONE HAS A STRONGER EFFECT ON PURCHASE INTENTION?
items: FACTORS THAT INFLUENCE GENERATION Z'S FINANCIAL BEHAVIOR
items: OPTIMIZING DIGITAL MARKETING FOR MSMEs THROUGH CREATIVE DESIGN AND VISUAL BRANDING OF PALIMA FOODS
items: CHATIME’S DIGITAL MARKETING, PROMOTION, AND EWOM IMPACT ON THE ROLE OF PURCHASING INTEREST AS A MEDIATOR IN IMPROVING PURCHASE DECISION
items: INNOVATIVE WORK BEHAVIOUR OF GENERATION Z EMPLOYEES IN CIKARANG
items: PUBLIC SAVINGS AT PT. BANK NTT (PERSERO) MAIN BRANCH KUPANG AND THE FACTORS AFFECTING THEM
items: WORK STRESS AS A MEDIATOR OF WORKLOAD, WORK ENVIRONMENT, AND TURNOVER INTENTION IN GENERATION Z EMPLOYEES
items: THE INFLUENCE OF BRAND AWARENESS, BRAND IMAGE AND E-SERVICE QUALITY ON PURCHASING DECISIONS IN LAZADA E-COMMERCE THROUGH PURCHASE INTENTION AS AN INTERVENING VARIABLE
items: DO RELIGIOSITY AND ANIMOSITY MATTER? THE ROLE OF BRAND LOYALTY IN SHAPING REPURCHASE INTENTION DURING F&B BOYCOTTS
items: ECONOMIC TRANSFORMATION AND ENERGY CONSUMPTION TO REDUCE CARBON EMISSIONS TOWARDS INDONESIA'S SDGS
items: URBAN AGRICULTURE AND INCOME CONTRIBUTION: EVIDENCE ACROSS HOUSEHOLD INCOME GROUPS IN YOGYAKARTA
items: STRATEGIC MODEL FOR IMPROVING THE PERFORMANCE AND GROWTH OF LOCAL FOOD SME’s IN EAST NUSA TENGGARA
items: THE EFFECT OF FINANCIAL MANAGEMENT BEHAVIOR, SELF-EFFICACY AND HERDING BEHAVIOR ON INVESTMENT DECISIONS MEDIATED BY E-TRUST

DAMPAK KUALITAS LAYANAN DAN KEPERCAYAAN TERHADAP LOYALITAS NASABAH PENGGUNA MOBILE BANKING DENGAN KEPUASAN SEBAGAI VARIABEL PEMODERASI
type: item
description: Dengan kepuasan sebagai elemen moderasi, tujuan dari penelitian ini adalah untuk memeriksa dan memahami bagaimana loyalitas pelanggan di antara pelanggan mobile banking dipengaruhi oleh kualitas layanan dan kepercayaan. Tema ini dipilih karena adanya perkembangan teknologi informasi yang berdampak pada layanan perbankan, khususnya perbankan elektronik. 125 orang secara langsung diberikan kuesioner untuk diisi guna pengumpulan data. Teknik pengambilan sampel menggunakan metode non-probabilitas. Sebelum analisis, kualitas kuesioner diperiksa menggunakan uji validitas dan reliabilitas, dan kesesuaian distribusi data penelitian diperiksa menggunakan uji asumsi tradisional. Analisis dilakukan menggunakan pemodelan regresi berganda dan uji moderasi (MRA), kemudian dilanjutkan dengan konfirmasi model meliputi pengujian hipotesis menggunakan analisis uji-t, uji-F, dan koefisien determinasi (R2). Temuan studi menunjukkan bahwa loyalitas pelanggan di antara nasabah mobile banking secara langsung dipengaruhi oleh kualitas layanan dan kepercayaan. Lebih lanjut, sebagai faktor moderator, kepuasan telah terbukti meningkatkan dampak kepercayaan dan kualitas layanan terhadap loyalitas.
subject: Articles
  topic: section
subject: kualitas layanan
  topic: keywords
subject: kepercayaan
  topic: keywords
subject: loyalitas nasabah
  topic: keywords
subject: kepuasan
  topic: keywords
creator: Shinta Angelina
creator: Riskayanto Riskayanto
creator: Stevani Adinda Nurul Huda
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 392
ending page: 405
doi: 10.35760/eb.2025.v30i2.14257

DARI TOKO FISIK KE LAYAR DIGITAL: PERAN SHOWROOMING DALAM MEMBANGUN EMOSI BERBELANJA KONSUMEN PADA PRODUK KECANTIKAN
type: item
description: Di era modern kemajuan teknologi, khususnya internet, telah mengubah cara individu menjalankan aktivitas pribadi maupun bisnis. Penelitian ini bertujuan untuk menganalisis pengaruh pencarian kemudahan, pencarian keberagaman, showrooming terhadap emosi berbelanja. Populasi dalam penelitian ini adalah masyarakat Indonesia yang pernah melakukan pembelian produk kecantikan dan perawatan kulit secara online. Pengambilan sampel dilakukan menggunakan teknik purposive sampling, dengan jumlah responden sebanyak 288 orang. Pada penelitian ini, pendekatan kuantitatif diterapkan untuk mengolah data yang telah dikumpulkan dengan penyebaran kuesioner online melalui survey. Analisis dilakukan menggunakan perangkat lunak SmartPLS guna menguji validitas serta reliabilitas hubungan antarvariabel. Hasil penelitian menunjukkan bahwa pencarian kemudahan dan pencarian keberagaman berpengaruh positif dan signifikan terhadap showrooming. Temuan lainnya menunjukkan bahwa showrooming berpengaruh positif dan signifikan terhadap emosi berbelanja, serta pencarian kemudahan dan pencarian keberagaman berpengaruh positif dan signifikan terhadap emosi berbelanja. Kontribusi pada penelitian ini memberikan dampak pada peritel untuk memaksimalkan strategi pemasaran demi mengoptimalkan pengalaman pelanggan diberbagai saluran
subject: Articles
  topic: section
subject: Pencarian kemudahan
  topic: keywords
subject: Pencarian keberagaman
  topic: keywords
subject: Showrooming
  topic: keywords
subject: Emosi berbelanja
  topic: keywords
creator: Tiara Fayza Nurrahma
creator: Ferry Tema Atmaja
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 377
ending page: 391
doi: 10.35760/eb.2025.v30i2.14551

KETIDAKPASTIAN EKONOMI GLOBAL DAN IMPLIKASINYA TERHADAP PEREKONOMIAN SUMATERA UTARA: ANALISIS SIMULASI DAN STRATEGI KEBIJAKAN
type: item
description: Eskalasi ketidakpastian global dipicu oleh adanya percepatan normalisasi kebijakan moneter Amerika Serikat dan konflik geopolitik. Kombinasi faktor tersebut menimbulkan efek spillover terhadap perekonomian Indonesia, termasuk Sumatera Utara. Makalah ini membahas dampak ketidakpastian global terhadap perekonomian Sumatera Utara menggunakan pendekatan model makro simultan. Studi ini juga menggunakan simulasi untuk menganalisis efek spillover ekonomi global terhadap Sumatera utara. Estimasi dilakukan berdasarkan data deret waktu tahun 2002–2023. Hasil penelitian menunjukkan bahwa perekonomian Sumatera Utara sangat dipengaruhi oleh ketidakpastian global, terutama melalui jalur perdagangan internasional. Ekspor memiliki peran penting dalam mendorong pertumbuhan PDRB, sedangkan impor tidak signifikan. Konsumsi dan investasi cenderung stabil menghadapi ketidakpastian global, sebaliknya investasi lebih rentan terhadap perubahan Federal Fund Rate (FFR). Hasil Simulasi menunjukkan bahwa faktor eksternal seperti harga minyak, harga internasional, dan nilai tukar mempengaruhi perdagangan dan pertumbuhan. Sementara pengetatan FFR mempengaruhi konsumsi, investasi, dan pertumbuhan di Sumatra Utara.
subject: Articles
  topic: section
subject: Dampak Rambatan
  topic: keywords
subject: Ekonomi Global
  topic: keywords
subject: Ekonomi Sumatera
  topic: keywords
subject: Model Simulasi
  topic: keywords
creator: Mela Yunita
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 406
ending page: 420
doi: 10.35760/eb.2025.v30i2.14050

MENGHADAPI TANTANGAN: RITEL TRADISIONAL DI TENGAH DOMINASI RITEL MODERN
type: item
description: Industri ritel di Indonesia terkelompok menjadi ritel modern dan tradisional yang memiliki perbedaan mencolok, baik dari segi fisik, sistem harga, modal, hingga metode pembayaran. Ritel modern berkembang pesat berkat kemajuan teknologi dan strategi pemasaran, sementara ritel tradisional mengalami penurunan akibat persaingan yang semakin ketat. Munculnya toko modern seperti Alfamart dan Indomaret di berbagai daerah, termasuk Kota Kupang, telah mengubah preferensi belanja masyarakat yang kini lebih memilih kenyamanan, pelayanan cepat, dan promo menarik dari ritel modern. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan alat analisis SmartPLS, melibatkan 105 responden di Kota Kupang yang dipilih melalui teknik accidental sampling dan pengumpulan data dilakukan via Google Form dengan skala Likert 1–5. Hasil penelitian menunjukkan bahwa customer experience dan customer satisfaction berpengaruh positif dan signifikan terhadap minat beli ulang di ritel tradisional Kota Kupang, sementara customer knowledge berpengaruh positif namun tidak signifikan. Dengan mengembangkan pengetahuan yang lebih dalam tentang pelanggan, ritel dapat menciptakan pengalaman yang lebih relevan, meningkatkan loyalitas, dan pada akhirnya, mendukung pertumbuhan bisnis yang berkelanjutan.
subject: Articles
  topic: section
subject: kepuasan pelanggan
  topic: keywords
subject: pengalaman pelanggan
  topic: keywords
subject: pengetahuan pelanggan
  topic: keywords
subject: minat beli ulang
  topic: keywords
creator: Apryanus Fallo
creator: Maria Augustin Lopes Amaral
creator: Engelbertus G. Ch. Watu
creator: Anggelina Delviana Klau
creator: Charoline Meilanny Mestuni
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 363
ending page: 376
doi: 10.35760/eb.2025.v30i2.14277

PERAN SIKAP KONSUMEN DALAM MEMEDIASI PENGARUH ANTARA CELEBRITY ENDORSER, CITRA MEREK, DAN ONLINE CUSTOMER REVIEW TERHADAP NIAT BELI GENERASI Z
type: item
description: Kehadiran TikTok Shop turut meramaikan bisnis e-commerce di Indonesia. Nivea sebagai pelaku dalam e-commerce melalui platform TikTok Shop mengembangkan berbagai strategi pemasaran digital. Strategi yang dilakukan oleh Nivea antara lain dengan meningkatkan keterlibatan celebrity endorser dalam mempromosikan produk, membangun citra merek yang positif dan online customer review dari konsumen. Beberapa strategi pemasaran digital yang dilakukan oleh Nivea apakah efektif dalam meningkatkan niat beli konsumen menjadi fokus utama dalam penelitian ini. Sampel peneltian ditentukan dengan kriteria memiliki rentang usia 17-27 tahun atau masuk dalam rentang usia Gen Z, memiliki niat untuk membeli produk Nivea melalui aplikasi TikTok Shop dan berdomisili di DIY. Berdasarkan kriteria yang telah ditetapkan terdapat 190 responden. Teknik Partial Least Square Structural Equation Modeling (PLS-SEM) digunakan peneliti sebagai alat analisis data. Hasil pengujian statistic memperlihatkan sikap konsumen dipengaruhi oleh celebrity endorser, citra merek, beserta online customer review. Niat beli diberi pengaruh positif sekaligus signifikan oleh variabel citra merek, online customer review beserta sikap konsumen. Sementara celebrity endorser tidak memengaruhi niat beli. Niat beli melalui sikap konsumen diberi pengaruh positif sekaligus signifikan oleh variabel celebrity endorser, citra merek, beserta online customer review.
subject: Articles
  topic: section
subject: Celebrity Endorser
  topic: keywords
subject: Citra Merek
  topic: keywords
subject: Niat Beli
  topic: keywords
subject: Online Customer Review
  topic: keywords
subject: Sikap Konsumen
  topic: keywords
creator: Youcha Rizkalefatehania
creator: Fitri Susilowati
creator: Saptaningsih Sumarmi
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 342
ending page: 362
doi: 10.35760/eb.2025.v30i2.13645

FAKTOR-FAKTOR YANG MEMENGARUHI GENERASI Z DALAM MENGGUNAKAN UANG ELEKTRONIK
type: item
description: Untuk mendapatkan sebuah barang masyarakat harus menggunakan sistem barter sebagai salah satu sistem transaksi dalam proses jual beli. Tujuan penelitian ini untuk mengetahui dan menganalisis pengaruh literasi keuangan, literasi digital, persepsi kemudahan, persepsi manfaat dan keamanan terhadap keputusan generasi Z dalam menggunakan uang elektronik. Populasi dalam penelitian ini adalah generasi Z yang sudah menggunakan uang elektronik lebih dari satu kali. Sampel penelitian yang digunakan sebanyak 112 responden. Teknik pengambilan sampel yang digunakan adalah non-probability dengan accidental sampling. Data yang digunakan adalah data primer dengan menyebarkan kuesioner. Penelitian ini menggunakan metode analisis SmartPLS - SEM (Partial Least Squares – Structural Equation Modeling). Hasil dalam penelitian ini menunjukkan bahwa variabel literasi digital, persepsi manfaat dan keamanan memiliki pengaruh langsung terhadap keputusan generasi Z dalam menggunakan uang elektronik. Literasi keuangan dan persepsi kemudahan tidak memiliki pengaruh langsung terhadap keputusan generasi Z dalam menggunakan uang elektronik.
subject: Articles
  topic: section
subject: keamanan
  topic: keywords
subject: keputusan penggunaan
  topic: keywords
subject: literasi digital
  topic: keywords
subject: literasi keuangan
  topic: keywords
subject: persepsi kemudahan
  topic: keywords
subject: persepsi manfaat
  topic: keywords
creator: Christera Kuswahyu Indira
creator: Putri Arganeta Permana
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 329
ending page: 341
doi: 10.35760/eb.2025.v30i2.14081

KETERKAITAN PERTUMBUHAN EKONOMI, JUMLAH PENDUDUK MISKIN, PENDIDIKAN DAN KESEHATAN: STUDI EMPIRIS JAWA TIMUR
type: item
description: Hubungan antara pertumbuhan ekonomi, jumlah penduduk miskin, pendidikan dan kesehatan menjadi indikator penting untuk menganalisis pembangun ekonomi dalam suatu bangsa. Apakah jumlah penduduk miskin, pendidikan dan kesehatan berpengaruh terhadap pertumbuhan ekonomi. Peneliti bertujuan untuk mengetahui tolak ukur dan mendiskripsikan hubungan variabel bebas jumlah penduduk miskin yang diproksikan Tingkat Lama Sekolah (TPM), pendidikan yang diproksikan Lama Harapan Sekolah (LHS), kesehatan yang diproksikan Angka Harapan Hidup (AHH) terhadap pertumbuhan ekonomi (PDRB Per Kapital). Populasi yang dimasukkan dalam penelitian kota/kab provinsi di Jawa Timur. Sampel yang digunakan 38 kota/kab dan 304 data. Model analisis data yang digunakan yaitu regresi data panel dan diperoleh hasil model yang paling sesuai dengan penelitian adalah Fixed Effect Model (FEM). Penelitian menunjukkan hasil TPM tidak berpengaruh signifikan terhadap pertumbuhan ekonomi, LHS serta AHH berpengaruh signifikan terhadap pertumbuhan ekonomi. Sedangkan, hasil uji F disimpulkan terdapat pengaruh secara simulthan variabel pertumbuhan ekonomi terhadap variabel terikat yaitu TPM, LHS dan AHH
subject: Articles
  topic: section
subject: Jumlah Penduduk Miskin
  topic: keywords
subject: Kesehatan
  topic: keywords
subject: Pertumbuhan Ekonomi
  topic: keywords
subject: Pendidikan
  topic: keywords
creator: Sakinah Mardiyatillah
creator: Muhammad Ghafur Wibowo
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 315
ending page: 328
doi: 10.35760/eb.2025.v30i2.13663

STIMULUS FISKAL UNTUK KENDARAAN HYBRID 2025: PRIORITAS KEBIJAKAN ATAU MASIH PERLU EVALUASI?
type: item
description: Dengan kemajuan teknologi otomotif dan meningkatnya kesadaran masyarakat terhadap isu lingkungan, kendaraan hybrid semakin mendapat perhatian dalam industri otomotif. Penelitian ini bertujuan untuk mengevaluasi dampak ekonomi dari penerapan insentif PPnBM DTP 3% (Pajak Penjualan atas Barang Mewah Ditanggung Pemerintah) untuk kendaraan hybrid pada tahun 2025 dengan pendekatan kuantitatif deskriptif, menggunakan analisis Input-Output (IO) berdasarkan tabel IO tahun 2020 yang diterbitkan oleh Badan Pusat Statistik (BPS). Hasil analisis menunjukkan bahwa kebijakan ini berpotensi berkontribusi terhadap peningkatan total output ekonomi sebesar Rp1,24 triliun, disertai dengan peningkatan pendapatan rumah tangga sebesar Rp320,52 miliar serta potensi penciptaan lapangan kerja bagi sekitar 9.028 tenaga kerja. Selain itu, kebijakan ini juga berpotensi menambah penerimaan PPN sebesar Rp73,32 miliar. Namun, efektivitas kebijakan ini masih terbatas karena sektor yang paling terkait—yaitu perdagangan besar dan eceran serta reparasi mobil dan sepeda motor—memiliki keterkaitan yang relatif lemah dengan industri hulu dan hilir. Selain itu, sektor-sektor ini hanya menempati peringkat keempat dalam indeks kepekaan dan penyebaran. Oleh karena itu, untuk mencapai dampak ekonomi yang lebih optimal, insentif fiskal sebaiknya diprioritaskan pada sektor-sektor dengan nilai multiplier yang lebih tinggi.
subject: Articles
  topic: section
subject: Input-Output
  topic: keywords
subject: Insentif Pajak
  topic: keywords
subject: Kendaraan Hybrid
  topic: keywords
subject: PPnBM DTP
  topic: keywords
creator: Faiza Batrisyia Nisrina
creator: Rheza Auliya Rahman
rights: Hak Cipta (c) 2025 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 295
ending page: 314
doi: 10.35760/eb.2025.v30i2.14063

DETERMINAN KEBIJAKAN DIVIDEN PERUSAHAAN PERBANKKAN PADA INDEX LQ45
type: item
description: Tujuan dari penelitian ini yaitu untuk melihat bagaimana Return on Asset (ROA), Current Ratio (CR), ukuran perusahaan, dan Debt to Equity Ratio (DER) berdampak pada kebijakan dividen perusahaan perbankan yang terdaftar di Indeks LQ45 tahun 2019-2023. Penelitian ini menggunakan metode dokumentasi data sekunder dengan purposive sampling, sampelnya terdiri dari lima perusahaan. Data diolah menggunakan teknik analisis meliputi analisis statistik deskriptif, uji asumsi klasik, regresi linear berganda, uji simultan, uji parsial serta uji koefisien determinasi. Hasil studi mengindikasikan yang berpengaruh dan dominan pada kebijakan dviden hanya variabel ukuran perusahaan, meskipun ROA, CR, DER, dan ukuran perusahaan berpengaruh secara bersamaan.
subject: Articles
  topic: section
subject: Current Ratio
  topic: keywords
subject: Debt To Equity Ratio
  topic: keywords
subject: Kebijakan Dividen
  topic: keywords
subject: Return On Asset dan Ukuran Perusahaan
  topic: keywords
creator: Girvin Olaf Pahlevi
creator: Emmy Indrayani
creator: Astried Permanasari
rights: Hak Cipta (c) 2025 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 281
ending page: 294
doi: 10.35760/eb.2025.v30i2.13041

LOYALITAS NASABAH BANK PERKREDITAN RAKYAT DI TANJUNGPINANG BERDASARKAN PENGALAMAN DAN KEPERCAYAAN DENGAN KEPUASAN SEBAGAI MEDIASI
type: item
description: Kajian ini bertujuan untuk menyelidiki kesetiaan nasabah berdasarkan pengalaman dan kepercayaan dengan kepuasan sebagai mediasi. Metodologi yang diterapkan dalam studi ini adalah pendekatan kuantitatif melalui instrumen pengumpulan data penyebaran google form yang dilakukan dalam satu waktu. Sampel ditentukan secara non-random dengan memilih responden yang mudah diakses. Sebanyak 144 orang yang dijadikan responden dalam studi ini dengan kriteria sebagai nasabah aktif pada Bank Perkreditan Rakyat (BPR) di Tanjungpinang yang telah melakukan transaksi pada tiga bulan sebelum penelitian dilakukan. Pengolahan data dalam studi ini menggunakan SmartPLS versi 4.1.0.0 Dari hasil pengolahan data, terlihat bahwa pengalaman dan kepuasan secara nyata dan positif mempengaruhi kesetiaan nasabah sedangkan kepercayaan tidak memberikan dampak pada kesetiaan, pengalaman dan kepercayaan memberikan kontribusi yang nyata dan bermanfaat pada kepuasan nasabah, Pengalaman dan kepercayaan juga berdampak pada kesetiaan melalui kepuasan nasabah sebagai perantara yang memperkuat hubungan tersebut. Hasil kajian ini memberikan implikasi bagi BPR untuk meningkatkan kualitas pengalaman, kepercayaan dan kepuasan nasabah melalui layanan yang cepat, transparan, responsif serta pendekatan yang lebih personal guna memperkuat kesetiaan nasabah.
subject: Articles
  topic: section
subject: pengalaman
  topic: keywords
subject: kepercayaan
  topic: keywords
subject: kepuasan
  topic: keywords
subject: kesetiaan nasabah
  topic: keywords
creator: Ai Ling
creator: Keni Keni
rights: Hak Cipta (c) 2025 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 264
ending page: 280
doi: 10.35760/eb.2025.v30i2.14304

OPTIMALISASI MARKET ORIENTATION TERHADAP DAYA SAING YANG BERKELANJUTAN PADA UMKM TANJUNG SELOR KABUPATEN BULUNGAN MELALUI ORIENTASI TEKNOLOGI
type: item
description: Kabupaten Bulungan di Kalimantan Utara merespon era pasar bebas dan ekonomi digital melalui Kampung UKM Digital Tanjung Selor, bertujuan untuk meningkatkan kompetensi Usaha Mikro, Kecil, dan Menengah (UMKM) dalam menghadapi tantangan teknologi dan persaingan global. Penelitian ini fokus mengenai pengaruh market orientation terhadap daya saing berkelanjutan UMKM Tanjung Selor, dengan menyoroti dampak positif langsung orientasi pasar dan orientasi teknologi. Analisis data dilakukan menggunakan metode Partial Least Square (PLS) untuk menguji hubungan antar variabel secara simultan. Temuan tersebut menguatkan konsep bahwa peningkatan orientasi pasar, orientasi kewirausahaan, dan adopsi teknologi dapat signifikan meningkatkan keunggulan bersaing UMKM, termasuk pengaruh positif dan dominan orientasi pasar terhadap daya saing. Orientasi pelanggan dalam variabel orientasi pasar juga terbukti berpengaruh positif dan signifikan terhadap kinerja perusahaan, menegaskan pentingnya memuaskan kebutuhan pelanggan. Selain itu, orientasi pasar juga memiliki dampak positif tidak langsung terhadap daya saing melalui orientasi teknologi, memperkuat peran inovasi teknologi dalam meningkatkan daya saing UMKM. Oleh karena itu, disarankan untuk terus meningkatkan orientasi pasar, orientasi kewirausahaan, dan adopsi teknologi guna memperkuat daya saing dan keberlanjutan UMKM di masa depan.
subject: Articles
  topic: section
subject: market orientation
  topic: keywords
subject: orientasi teknologi
  topic: keywords
subject: daya saing
  topic: keywords
subject: UMKM
  topic: keywords
creator: Irawati HM
creator: Litaratsari Litaratsari
rights: Hak Cipta (c) 2025 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 249
ending page: 263
doi: 10.35760/eb.2025.v30i2.13337

CONFIDENCE SHOCKS IN EMERGING MARKETS AND THEIR GLOBAL CONTAGION: INSIGHTS FROM G-CUBED SIMULATIONS
type: item
description: The global economy has begun to recover from the global financial crisis (GFC), which occurred around 10 years ago, according to recent economic statistics. However, investor confidence has declined in a number of significant emerging markets (EMEs) due to rising interest rates in the US and ongoing trade tensions between the US and China, potentially causing contagion effects worldwide. The worldwide impacts of the financial crisis in certain important EMEs, namely Argentina, Brazil, Turkey, and Russia (ABTR), as well as its widespread impact on raising global investment and consumption risk, are examined in this paper using the G-Cubed model for G-20 nations with six sectors. According to the findings, because three distinct shocks struck at the same time in ABTR countries—where the initial shock emerged—they experience the most negative short-term effects of the confidence crisis. The cost of capital rises as a result of the capital outflow from these nations, which causes firms to disinvest or reduce their capital stock. Households across all nations are also more likely to discount future income streams as a result of their increased risk assessment, which promotes more savings and lower spending. Additionally, both developed and non-shocked emerging countries grew as a result of increased capital inflows, but their trade balances worsened due to exchange rate appreciation, which made the production decline worse.
subject: Articles
  topic: section
subject: Confidence
  topic: keywords
subject: Contagion
  topic: keywords
subject: Emerging Markets
  topic: keywords
subject: G-Cubed
  topic: keywords
subject: Risk
  topic: keywords
creator: Wahyuni Andriana Sofa
creator: Ribut Nurul Tri Wahyuni
creator: Fitri Kartiasih
rights: Hak Cipta (c) 2025 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2025-08-05
publication date: 2025-08-05
starting page: 230
ending page: 248
doi: 10.35760/eb.2025.v30i2.12754

E-WALLET PERCEIVED EASE OF USE, SELF-CONTROL, AND FINANCIAL MANAGEMENT AMONG GENERATION Z ENTREPRENEURS WITH DIGITAL FINANCIAL LITERACY AS A MODERATING VARIABLE IN MALANG CITY
type: item
description: The rapid growth of financial technology has increased the adoption of digital wallets (e-wallets), particularly among Generation Z entrepreneurs. This study aims to examine the influence of perceived ease of use of e-wallets and self-control on financial management, as well as the moderating role of digital financial literacy among Generation Z entrepreneurs in Malang City. Using a quantitative approach with a survey design, data were collected from 239 respondents through questionnaires. The findings reveal that the perceived ease of use of e-wallets and self-control positively and significantly affect financial management. Digital financial literacy moderates the relationship between e-wallet ease of use and financial management, but does not moderate the relationship between self-control and financial management. These results highlight the importance of balancing financial technology utilization, self-control, and financial literacy to support effective financial management among Generation Z entrepreneurs
subject: Articles
  topic: section
subject: Ease of Use of E-wallet
  topic: keywords
subject: Self-control,
  topic: keywords
subject: Financial Management
  topic: keywords
subject: Digital Financial Literacy
  topic: keywords
creator: ach fuadi habibi
creator: Mardiana
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2026-04-27
publication date: 2026-04-27
starting page: 90
ending page: 108
doi: 10.35760/eb.2026.v31i1.170

MAPPING GREEN PERFORMANCE INDICATORS IN SMALL AND MEDIUM ENTERPRISES (SMES): A LITERATURE-BASED EXPLORATION OF GREEN SUPPLY CHAIN PRACTICES
type: item
description: This study aims to systematically examine the practices of Green Supply Chain Management (GSCM) within the context of small and medium enterprises (SMEs), with a focus on green performance indicators used across various academic studies. The review employs a qualitative approach through a literature review of articles indexed in Scopus. A total of 131 articles were retrieved and through a step-by-step screening process based on relevance to the research questions, 24 articles were selected for in-depth analysis. The findings reveal that the most commonly used green performance indicators include Green HRM, Green Innovation, Environment Performance, Government Intervention Policy, Operational Efficiency, dan Technological Adoptions. However, most studies have not employed standardized measurement frameworks, particularly in the context of SMEs in developing countries. This review identifies a gap in the literature regarding green performance measurement, which can serve as a foundation for developing more contextual and applicable evaluation models for the SME sector. The findings are expected to contribute to the development of more effective and sustainable GSCM implementation strategies and policies.
subject: Articles
  topic: section
subject: Green Supply Chain Management (GSCM)
  topic: keywords
subject: Small Medium Enterprises (SMEs)
  topic: keywords
subject: Green Performance Indicators
  topic: keywords
subject: Literature Review
  topic: keywords
creator: Gusti Ayu Made Hanny Dian Savitri
creator: Diyah Ratna Fauziana
creator: Erni Ernawati
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2026-04-16
publication date: 2026-04-16
starting page: 23
ending page: 38
doi: 10.35760/eb.2026.v31i1.98

THE INFLUENCE OF LIVE STREAMING AND PRICE DISCOUNT ON IMPULSE BUYING AMONG TIKTOK SHOP USERS THROUGH POSITIVE EMOTION AS AN INTERVENING VARIABLE
type: item
description: In the era of globalization, technology and the internet are developing very rapidly. So the internet plays an important role as a means of entertainment, information sources, social media, and business. As the use of social media and digital interactions increases, a new form of online commerce known as social commerce has emerged. This research aim to determine and analyze the effect of live streaming and price discounts on impulse buying in TikTok Shop users through positive emotions as an intervening variable. This research uses primary data obtained through distributing the questionnaires to 150 respondents. The respondents are TikTok Shop users who are over 17 years old and reside in the Greater Jakarta area. This research uses PLS-SEM analysis, which consist of a measurement model (outer model), a structural model (inner model), and a model goodness-of-fit test (model fit). The results of this research show that live streaming and price discounts positive influence impulse buying in TikTok Shop users both directly and indirectly through positive emotions and the variable that has the most dominant influence on impulse buying through positive emotions is price discount.
subject: Articles
  topic: section
subject: Impulse Buying
  topic: keywords
subject: Live Streaming
  topic: keywords
subject: Positive Emotion
  topic: keywords
subject: Price Discount
  topic: keywords
creator: Shulha Afifah Azzahra
creator: Ditiya Himawati
creator: Septi Mariani Tis’a Ramadhani
creator: Lies Handrijaningsih
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2026-05-10
publication date: 2026-05-10
starting page: 109
ending page: 123
doi: 10.35760/eb.2026.v31i1.194

THE INFLUENCE OF FUNCTIONAL VALUES, SOCIAL VALUES, AND HEDONIC MOTIVATION ON REPURCHASE INTENTION OF VIRTUAL GOODS IN ROBLOX USERS AMONG GENERATION Z SURABAYA
type: item
description: The purpose of this study is to investigate whether or not Generation Z Surabaya Roblox users' interest in purchasing virtual items is influenced by hedonic motives, social values, and functional values. Quantitative methods based on an associative research design are used in this study. The 156 subjects included in this research were selected using a non-probability selection method. Data was collected by a questionnaire, and it was analyzed using multiple linear regression. Hedonic motivation, social values, and functional values all have a favorable and substantial influence on repurchase intention simultaneously, according to the study. Functional value has a favorable and substantial effect on repurchase intention. The influence of societal values on repurchase intention is favorable and substantial. In a favorable and statistically significant way, hedonic motivation influences the desire to repurchase intention.
subject: Articles
  topic: section
subject: Functional value
  topic: keywords
subject: Social Value
  topic: keywords
subject: Hedonistic Motivation
  topic: keywords
subject: Repurchase Intention
  topic: keywords
subject: Virtual Goods
  topic: keywords
creator: Sherly Della Permatasari
creator: Acep Samsudin
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2026-04-27
publication date: 2026-04-27
starting page: 76
ending page: 89
doi: 10.35760/eb.2026.v31i1.178

ANALYSIS OF DETERMINANTS OF THE ENVIRONMENTAL QUALITY INDEX IN SIX PROVINCES OF JAVA ISLAND
type: item
description: Environmental quality is an important indicator that reflects the sustainability of ecosystems and the welfare of communities in a region. The Environmental Quality Index (EQI) provides a quantitative measure of environmental quality in an area over a given period, derived from the Water Quality Index (WQI), Air Quality Index (AQI), Land Quality Index (LQI), and Marine Water Quality Index (MWQI). To date, Java Island has consistently had the lowest LQI among Indonesian islands. This study was conducted to determine the effect of access to proper drinking water, access to adequate sanitation, population density, land transportation, and the number of large and medium industries on the Environmental Quality Index (EQI) in 6 provinces on the island of Java from 2016 to 2024 using panel data regression analysis with the Fixed Effect Model (FEM) approach and Granger causality testing with 54 observations. The study found that access to safe drinking water, access to proper sanitation, population density, and the number of industries significantly affected the EQI. Land transportation did not have a significant effect on the EQI. Based on the Granger causality test, there was a reciprocal relationship between several independent variables and the EQI.
subject: Articles
  topic: section
subject: EQI, safe drinking water, proper sanitation, population density, and number of industries.
  topic: keywords
creator: Millatul Khoiriyah
creator: Anik Sri Widawati
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2026-04-20
publication date: 2026-04-20
starting page: 58
ending page: 75
doi: 10.35760/eb.2026.v31i1.146

ATTITUDE TOWARD KOREAN CELEBRITIES VS INDONESIA CELEBRITIES: WHICH ONE HAS A STRONGER EFFECT ON PURCHASE INTENTION?
type: item
description: This study aimed to assess the impact of attitudes toward Korean and Indonesian celebrities, perceived behavioral control, and subjective norms on consumers’ purchase intentions. This research employs a closed-ended online questionnaire to investigate the factors influencing purchase intentions for products endorsed by both Korean and Indonesian celebrities. A total of 323 respondents who had purchased products endorsed by both Korean and Indonesian celebrities within the last three months filled in the questionnaire. To ensure data relevance, a purposive sampling technique was employed, enabling authors to select participants with relevant experiences who could provide meaningful insights into the research objectives. After a thorough review, 46 responses were excluded because they did not meet the established eligibility criteria, resulting in 287 valid responses for further analysis. These data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.1 software. Findings obtained in this study confirmed that all variables significantly and positively affect purchase intentions, with attitudes toward Korean celebrities exhibiting a more substantial influence than those toward Indonesian counterparts, thereby underscoring the decisive role of Korean celebrity endorsements in shaping consumer behavior.
subject: Articles
  topic: section
subject: attitude toward Korean celebrities
  topic: keywords
subject: attitude toward Indonesian celebrities
  topic: keywords
subject: perceived behavioral control
  topic: keywords
subject: subjective norms
  topic: keywords
subject: Purchase Intention
  topic: keywords
creator: Keni Keni
creator: Nicholas Wilson
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2026-04-07
publication date: 2026-04-07
starting page: 1
ending page: 22
doi: 10.35760/eb.2026.v31i1.126

FACTORS THAT INFLUENCE GENERATION Z'S FINANCIAL BEHAVIOR
type: item
description: Financial behavior for some individuals is currently a problem, especially for some groups in generation Z. This is because amidst increasingly rapid technological developments, of course there will be a change in behavior related to their financial behavior. The aim of this research is to analyze the influence of financial literacy, self control, financial attitudes and income on the financial behavior of generation Z in Indramayu City. The analytical method in this research uses quantitative primary data. The test stages carried out include the research instrument test (validity and reliability test), classical assumption test, multiple regression analysis, F test, T test, and coefficient of determination test (R2). Data collection was carried out by distributing online questionnaires via Google Forms and there were 140 respondents. The sampling technique used was simple random sampling. Testing tools using SPSS software. The results of this research show that the variables financial literacy, self control, financial attitudes, and income simultaneously influence the financial behavior of generation Z in Indramayu City. The variables financial literacy, self control, financial attitude, and income partially influence the financial behavior of generation Z in Inramayu City, and the variable that most dominantly influences the financial behavior of generation Z in Indramayu City is the financial attitude variable.
subject: Articles
  topic: section
subject: Financial literacy
  topic: keywords
subject: Income
  topic: keywords
subject: Self Control
  topic: keywords
subject: Financial Attitude
  topic: keywords
creator: Lies Handrijaningsih
creator: Astried Permanasari
creator: Destik Ayu Wulandari
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 603
ending page: 615
doi: 10.35760/eb.2025.v30i3.29

OPTIMIZING DIGITAL MARKETING FOR MSMEs THROUGH CREATIVE DESIGN AND VISUAL BRANDING OF PALIMA FOODS
type: item
description: The digital transformation of the marketing landscape presents significant opportunities and challenges for Micro, Small, and Medium Enterprises (MSMEs) seeking to expand reach and enhance competitiveness. This literature-based research analyzes the integration of creative design and visual branding as an innovative digital marketing strategy, assessing its impact on increasing brand awareness and strengthening MSME market identity. Creative design shapes initial perceptions, while visual branding builds a consistent narrative and differentiates businesses. Leveraging digital platforms, the synergy between design creativity and visual coherence expands exposure, stimulates interaction, and builds emotional connections. Literature analysis indicates MSMEs strategically integrating these elements are better positioned for visibility, customer loyalty, and a strengthened competitive position. This study contributes to existing scholarship by offering a comprehensive analysis of the synergistic integration of creative design and visual branding as a strategic innovation for MSMEs, a dimension often underexplored in favor of individual components or broader digital strategies. The research emphasizes design-based innovation as vital for MSME sustainability. The implications are twofold: theoretically, it enriches literature by highlighting the critical role of visual integration; practically, it provides a vital guide for MSMEs to reframe visual branding as a strategic investment, ultimately enhancing competitiveness and fostering sustainable consumer loyalty.
subject: Articles
  topic: section
subject: creative design
  topic: keywords
subject: brand awareness
  topic: keywords
subject: digital marketing
  topic: keywords
subject: MSMEs
  topic: keywords
subject: visual branding
  topic: keywords
creator: Ditiya Himawati
creator: Sri Riswanti
creator: Rehulina Apriyanti
creator: Rooswhan Budhi Utomo
creator: Sri Kurniasih Agustin
creator: Ayu Akmaliyah
creator: Nadila Putri Budi
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 516
ending page: 530
doi: 10.35760/eb.2025.v30i3.24

CHATIME’S DIGITAL MARKETING, PROMOTION, AND EWOM IMPACT ON THE ROLE OF PURCHASING INTEREST AS A MEDIATOR IN IMPROVING PURCHASE DECISION
type: item
description: Encouraging consumer purchasing interest is an important phase in the marketing process because product competition is tightening and providing easy access to information and excellent services, particularly in the ready-to-drink beverage market. The goal of this study is to investigate and evaluate the role of purchasing interest in mediating the impact of digital marketing, promotion, and electronic word-of-mouth on Chatime purchasing decisions in Pondok Cina, Depok. Primary data from 210 respondent questionnaires was analyzed quantitatively. SmartPLS performs multivariate analysis using the Structural Equation Model approach. In addition to demonstrating the mediating role of purchasing interest and the importance of marketing using digital channels, promotion, and electronic word of mouth in driving purchasing decisions; the study's findings explain strategies for driving purchasing decisions in increasingly competitive beverage shops.
subject: Articles
  topic: section
subject: digital marketing
  topic: keywords
subject: electronic word of mouth
  topic: keywords
subject: promotion
  topic: keywords
subject: purchase decision
  topic: keywords
subject: purchase interest
  topic: keywords
creator: Muhamad Farid Mahmud
creator: Lies Handrijaningsih
creator: Salman Alfarisi
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 482
ending page: 499
doi: 10.35760/eb.2025.v30i3.22

INNOVATIVE WORK BEHAVIOUR OF GENERATION Z EMPLOYEES IN CIKARANG
type: item
description: In today's employment, Generation Z has taken centre stage in almost every industry. Examining the effects of information sharing, employee engagement, and transformational leadership on the creative work practices of Generation Z employees in Cikarang was the goal of this study. A sample of 320 respondents was obtained by distributing questionnaires to Generation Z employees in the area using an associative design and quantitative approaches. The results showed that knowledge sharing, employee engagement, and transformational leadership all had a favourable impact on the creative work practices of Cikarang's Generation Z workforce.
subject: Articles
  topic: section
subject: innovative work behaviour
  topic: keywords
subject: employee engagement
  topic: keywords
subject: knowledge sharing
  topic: keywords
subject: transformational leadership
  topic: keywords
creator: Siti Mahmudah
creator: Enny Noegraheni Hindarwati
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 464
ending page: 481
doi: 10.35760/eb.2025.v30i3.21

PUBLIC SAVINGS AT PT. BANK NTT (PERSERO) MAIN BRANCH KUPANG AND THE FACTORS AFFECTING THEM
type: item
description: The formulation of the problem in this study is (1) Whether the interest rate, inflation rate, and Regional Minimum Wage have a partial effect on the community's savings at PT. Bank NTT (Persero) Kupang Main Branch Unit?; (2) How do interest rates, inflation and regional minimum wages affect the level of public savings at PT. Bank NTT (Persero) Kupang Main Branch Unit? The purpose of this study is to analyze the influence of interest rates, inflation rates, and regional minimum wages on the amount of savings, both partially and simultaneously. The analysis technique used is quantitative analysis using a multiple linear regression model. In this study, the smallest square regression approach (Ordinary Least Square) was also used. The results of this analysis show that simultaneously: interest rates, inflation rates, and regional minimum wages have a significant effect on savings. Meanwhile, partially, interest rates have a significant positive effect on savings, while inflation and the regional minimum wage have a negative but significant effect. The value of the determination coefficient was 0.115 which indicates that 15.5% of the variation in savings can be explained by all three variables, while the remaining 84.5% is influenced by other factors outside the model. The researcher suggested that Bank NTT needs to strengthen the innovation of savings products and digital financial services in order to be able to increase public fund collection.
subject: Articles
  topic: section
subject: Interest Rate
  topic: keywords
subject: Inflation
  topic: keywords
subject: UMR
  topic: keywords
subject: Community Savings
  topic: keywords
creator: Salomon Leki
creator: M.E Perseveranda
creator: Adrianus Ketmoen
creator: Agnes Susanti Indrawati
creator: Angelina Wulandari Daok
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 454
ending page: 463
doi: 10.35760/eb.2025.v30i3.20

WORK STRESS AS A MEDIATOR OF WORKLOAD, WORK ENVIRONMENT, AND TURNOVER INTENTION IN GENERATION Z EMPLOYEES
type: item
description: Turnover intention is the tendency of employees to leave their jobs voluntarily. This study aims to analyze the role of work stress in mediating workload and work environment on turnover intention in Generation Z employees in Jakarta. The sample in this study is Generation Z workers who have worked for at least 6 months in various business sectors in Jakarta, especially technology, creative, and banking. The results show that workload and work environment have a significant effect on work stress; Workload has a significant positive effect on turnover intention, while the work environment has a significant negative effect. Work stress has been proven to play a role as an intervening variable. The results of the study provide novelty about the phenomenon of generation, characteristics of Generation Z who are more sensitive to stress, workload and work environment. The main contribution of this research is to enrich research related to employees from Gen Z, provide a theoretical basis for who Gen Z is in the workplace and identify factors that influence Gen Z's job retention and loyalty, which are different from previous generations.
subject: Articles
  topic: section
subject: generation Z
  topic: keywords
subject: workload
  topic: keywords
subject: work environment
  topic: keywords
subject: work stress
  topic: keywords
subject: turnover intention
  topic: keywords
creator: Tirta Ramadhanis Erdiantami
creator: Muhamad Yunanto
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 437
ending page: 453
doi: 10.35760/eb.2025.v30i3.19

THE INFLUENCE OF BRAND AWARENESS, BRAND IMAGE AND E-SERVICE QUALITY ON PURCHASING DECISIONS IN LAZADA E-COMMERCE THROUGH PURCHASE INTENTION AS AN INTERVENING VARIABLE
type: item
description: The increasingly rapid advances in technology and the internet have influenced various human activities and activities, including electronic commerce or e-commerce transactions. This research aims to determine and analyze the direct and indirect influence of brand awareness, brand image, and e-service quality on decisions through purchasing intention in Lazada e-commerce. This research uses primary data obtained from an online questionnaire in the form of a Google form, which was distributed to 150 respondents. Respondents are Lazada e-commerce users who are over 17 years old and live in the Jabodetabek area. This research uses PLS-SEM analysis, which consists of a measurement model (outer model), a structural model (inner model), and a model goodness-of-fit test (model fit). The results of this research show that brand awareness, brand image, and e-service quality have a direct and indirect influence on purchasing decisions through purchase intention in Lazada e-commerce.
subject: Articles
  topic: section
subject: Brand Awareness
  topic: keywords
subject: Brand Image
  topic: keywords
subject: E-Service Quality
  topic: keywords
subject: Purchase Decision
  topic: keywords
subject: Purchase Intention
  topic: keywords
creator: Inge Lisnawati
creator: Ditiya Himawati
creator: Septi Mariani Tis’a Ramadhani
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 421
ending page: 436
doi: 10.35760/eb.2025.v30i3.18

DO RELIGIOSITY AND ANIMOSITY MATTER? THE ROLE OF BRAND LOYALTY IN SHAPING REPURCHASE INTENTION DURING F&B BOYCOTTS
type: item
description: This study develops and tests a repurchase intention model under boycott conditions for multinational Food and Beverage (F&B) franchise brands in Indonesia by examining the differential roles of religiosity and consumer animosity, with brand loyalty as a mediating mechanism. Addressing boycott literature that mainly emphasizes boycott or protest intention, this study shifts attention to repurchase behaviour under boycott pressure and empirically distinguishes value-based religiosity from politically driven animosity within a Theory of Planned Behavior framework. Data were collected through a cross-sectional online survey of 425 Indonesian consumers who had previously purchased boycotted F&B brands and were analysed using PLS-SEM. The results show that brand loyalty strongly predicts repurchase intention while consumer animosity negatively affects brand loyalty and repurchase intention, with a significant indirect effect through brand loyalty, indicating partial mediation. In contrast, religiosity has no significant effect on either brand loyalty or repurchase intention. The model explains substantial variance in repurchase intention but limited variance in brand loyalty. Managerially, multinational F&B brands should reinforce loyalty through transparent communication, localized engagement, and targeted relationship programs while actively managing animosity triggering narratives during boycott episodes in the Indonesian market.
subject: Articles
  topic: section
subject: boycott
  topic: keywords
subject: brand loyalty
  topic: keywords
subject: consumer animosity
  topic: keywords
subject: religiosity
  topic: keywords
subject: Food and Beverage
  topic: keywords
creator: Alva Putri Yevitayani
creator: Nanda Alifia Putri
rights: Hak Cipta (c) 2026 Jurnal Ilmiah Ekonomi Bisnis https://creativecommons.org/licenses/by/4.0
date: 2026-04-16
publication date: 2026-04-16
starting page: 39
ending page: 57
doi: 10.35760/eb.2026.v31i1.103

ECONOMIC TRANSFORMATION AND ENERGY CONSUMPTION TO REDUCE CARBON EMISSIONS TOWARDS INDONESIA'S SDGS
type: item
description: Indonesia’s carbon dioxide emissions continue to rise despite its emission reduction commitments, highlighting a gap between policy and implementation. The country’s reliance on fossil fuels, limited penetration of renewable energy, and the varied effects of foreign direct investment and industrialization highlight the importance of empirical analysis of the key drivers of emissions. This study strengthens the ARDL-based empirical evidence on the nexus among FDI, industrialization, energy consumption, and carbon emissions in Indonesia by incorporating the Environmental Kuznets Curve (EKC), the Pollution Haven Hypothesis, the Energy–Emissions Nexus Theory, and the Sustainable Development Theory. Using annual data from 1984 to 2023, the analysis evaluates the impacts of foreign direct investment, manufacturing value added, oil consumption, coal consumption, and low-carbon energy use on carbon dioxide emissions in both the short and long run. The results indicate that foreign direct investment initially increases emissions but has an insignificant adverse effect in the long run. Industrialization, oil, and coal consumption significantly raise emissions in both periods, while low-carbon energy consumption reduces emissions only in the long run. These findings suggest that Indonesia’s clean energy transition requires more substantial policy commitment, greater green investment, and improved industrial efficiency to achieve sustainable decarbonization.
subject: Articles
  topic: section
subject: carbon dioxide emissions
  topic: keywords
subject: FDI
  topic: keywords
subject: fossil energy
  topic: keywords
subject: industrialization
  topic: keywords
subject: low-carbon energy
  topic: keywords
creator: Sherly Anggiliana Puspitasari
creator: Anik Sri Widawati
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 581
ending page: 602
doi: 10.35760/eb.2025.v30i3.28

URBAN AGRICULTURE AND INCOME CONTRIBUTION: EVIDENCE ACROSS HOUSEHOLD INCOME GROUPS IN YOGYAKARTA
type: item
description: This study investigates how urban farming contributes to household income and the factors shaping income disparities among urban farmers in Yogyakarta, Indonesia. Despite Yogyakarta’s status as a cultural and educational hub, urban poverty and unemployment persist, prompting the exploration of urban farming as an alternative livelihood strategy to enhance household resilience. Using data from 217 urban farming households, the research employs descriptive statistics and income contribution analysis to measure urban farming’s relative role within household earnings, complemented by multiple linear regression to assess the influence of income group and other income sources. The findings reveal substantial variation, with net income ranging from IDR 1.7 million to IDR 123 million after deducting input costs. Urban farming’s contribution to total income was lowest among low–middle income households (1.38%) and highest among middle–high income households (50.06%), with an overall average of 30.98%, indicating a moderate aggregate role. Regression analysis confirms that higher-income households gain more from urban farming, whereas other income sources reduce its relative importance. These results suggest that while urban farming serves as a key income generator for wealthier households, it remains supplementary for poorer ones, underscoring its broader value in strengthening urban food security and supporting targeted policy initiatives to improve productivity and cost efficiency across socioeconomic groups
subject: Articles
  topic: section
subject: income contribution
  topic: keywords
subject: other household income
  topic: keywords
subject: poverty reduction
  topic: keywords
subject: sustainability
  topic: keywords
subject: urban farming
  topic: keywords
creator: Hedwig Ajeng Grahani
creator: Seno Budhi Ajar
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 567
ending page: 580
doi: 10.35760/eb.2025.v30i3.27

STRATEGIC MODEL FOR IMPROVING THE PERFORMANCE AND GROWTH OF LOCAL FOOD SME’s IN EAST NUSA TENGGARA
type: item
description: Small and medium-sized enterprises (SME’s) in the local food sector in East Nusa Tenggara play an important role in driving regional economic growth while preserving local wisdom. This study aims to analyze the influence of market sensing, innovativeness, knowledge, motivation, partnership quality, and IT capability on the growth of local food SME’s. The research method employed is a quantitative approach through a survey of 165 SME’s operators, with data analysis using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The analysis results indicate that market sensing, knowledge, motivation, and partnership quality have a significant impact on SME’s growth. Conversely, innovativeness and IT capability do not have a significant impact. These findings emphasize that the ability to understand market needs, manage business knowledge, maintain entrepreneurial motivation, and establish quality partnerships are the primary determinants of the growth of local food SME’s. Meanwhile, limited resources, low digital literacy, and local consumer preferences for traditional products are factors that explain the weak contribution of innovation and information technology. This study contributes to the development of literature by reaffirming the relevance of the Resource-Based View and Dynamic Capabilities View theories in the context of SME’s in island regions. Practically, business actors need to strengthen market sensing, enhance knowledge capacity, and build strategic partnership networks. Further studies are recommended to examine the role of mediating factors, policy support, and the dynamics of SME’s growth in the long term.
subject: Articles
  topic: section
subject: knowledge
  topic: keywords
subject: market sensing
  topic: keywords
subject: motivation
  topic: keywords
subject: partnership quality
  topic: keywords
subject: SME’s growth
  topic: keywords
creator: Enike Tje Yustin Dima
creator: Alya Elita Sjioen
creator: Engelbertus G. Ch. Watu
creator: Apryanus Fallo
creator: Konstantinus Su
creator: Maria Augustin Lopes Amaral
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 551
ending page: 566
doi: 10.35760/eb.2025.v30i3.26

THE EFFECT OF FINANCIAL MANAGEMENT BEHAVIOR, SELF-EFFICACY AND HERDING BEHAVIOR ON INVESTMENT DECISIONS MEDIATED BY E-TRUST
type: item
description: The phenomenon shows that Generation Z tends to choose fast and efficient digital services, including investment applications, as their trust in technology fosters a sense of comfort and security in transactions. This study aims to evaluate the effects of financial management behavior, self-efficacy, and herding behavior on investment decisions, with e-trust as a mediating variable. A quantitative approach was applied using structural equation modeling (SEM-PLS) with a sample of 114 active students from Politeknik Negeri Semarang who had invested in stocks. The research instrument employed a 4-point Likert scale to measure the five variables. The results indicate that e-trust has a significant effect on investment decisions, and herding behavior significantly influences e-trust. Conversely, financial management behavior and self-efficacy show no significant direct or indirect effects on either e-trust or investment decisions. The mediation analysis confirms that e-trust only mediates the relationship between herding behavior and investment decisions, but not the other variables. The R² values for e-trust (91.6%) and investment decisions (93.7%) suggest relatively high predictive power, though potential overfitting should be considered. The findings highlight the importance of building digital trust and acknowledging social influence in financial education strategies and the development of investment platforms, particularly for gen Z.
subject: Articles
  topic: section
subject: financial management behavior
  topic: keywords
subject: self-efficacy
  topic: keywords
subject: herding behavior
  topic: keywords
subject: e-trust
  topic: keywords
creator: Nanda Ainur Khorimah
creator: Dina Yeni Martia
creator: Amanda Eka Aprilia
creator: Cahaya Nur Jamilah
creator: Excel Surya Pamungkas
rights: Hak Cipta (c) 2026 https://creativecommons.org/licenses/by/4.0
date: 2025-12-31
publication date: 2025-12-31
starting page: 531
ending page: 550
doi: 10.35760/eb.2025.v30i3.25