JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) dengan nomor E-ISSN 2549-0893 mempublikasikan artikel ilmiah hasil penelitian atau kajian teoritis (invited authors) dalam bidang pendidikan Ekonomi dan Kewirausahaan yang belum pernah dipublikasikan. Penulis bisa berasal dari mahasiswa (S1, S2, S3), guru, dosen, praktisi, maupun pemerhati pendidikan ekonomi. Cakupan materi terdiri dari (1). kurikulum pendidikan ekonomi, (2) metode pembelajaran ekonomi, (3) media pembelajaran ekonomi, (4) teknologi, informasi, dan komunikasi pembelajaran ekonomi, (5), kreativitas dan inovasi pembelajaran ekonomi, (7) Lesson Study, dan lain-lain yang terkait dengan peningkatan kualitas pendidikan ekonomi. (8) Kajian ilmu ekonomi dan ruang lingkup bisnis dan kewirausahaan. JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) diterbitkan oleh Program Studi Pendidikan Ekonomi, Fakultas Ilmu Sosial dan Ekonomi (FISE) Universitas Hamzanwadi yakni tiga kali setahun pada bulan April, Agustus dan Desember. Journal Title : JPEK (Jurnal Pedidikan Ekonomi dan Kewirausahaan) Initial : JPEK Abbreviation : JPEK Since : 2017 Frequency : 3 terbitan per tahun | April, Agustus & Desember DOI : 10.29408/jpek e-ISSN : 2549-0893 Editor-in-Chief : Huzain Jailani, M.Pd Publisher : Universitas Hamzanwadi Indexed : Google Scholar | Garuda| SINTA
semua jurnal ini menjadi tanggung jawab penuh penulis, JPEK memberikan akses terbuka kepada siapapun agar informasi dan temuan pada artikel bermanfaat bagi semua orang, JPEK dapat diakses dan diunduh oleh siapapun tanpa dipungut biaya sesuai dengan lisensi creative common yang digunakan.
Hubungan Manajemen Waktu dan Disiplin Kerja Terhadap Perilaku Prokrastinasi Pada Pegawai Dinas Pertanian Sumatera Utara
Procrastination is a tendency to postpone work that can reduce productivity and work effectiveness, especially in government agencies that demand optimal performance and timely public services. High levels of procrastination among employees have the potential to hinder the achievement of organizational goals and reduce the quality of service to the public. This study aims to determine the effect of time management and work discipline on employee procrastination behavior at the UPTD PTPH-PMKP North Sumatra. This study uses a quantitative approach with a correlational method involving the entire population of 50 employees as respondents. A questionnaire was used to collect data, and multiple linear regression was used to examine it. The study found that work discipline had a big impact on avoiding putting things off, but time management did not. Simultaneously, time management and work discipline significantly influenced procrastination with a contribution of 41.9%. This finding indicates that improving work discipline is more effective in reducing the habit of procrastination than relying solely on time management skills.
Copyright (c) 2025 Siti Lutfia Hutabarat, Atika Atika, Khairina Tambunan https://creativecommons.org/licenses/by-sa/4.0
Analisis Pengaruh Sistem Monitoring Terhadap Kelancaran Pembayaran Kredit Usaha Rakyat (KUR) di Bank Syariah Indonesia KCP Setia Budi
This study aims to analyze the influence of the monitoring system on the smoothness of People's Business Credit (KUR) payments at BSI KCP Setia Budi. Using a quantitative approach with regression analysis using SPSS version 26, the results show a positive relationship and significant influence between the monitoring system and smoothness of KUR payments, with a regression coefficient of 0.518. This finding indicates that an improved monitoring system contributes to smooth debtor payments. A structured monitoring system, supported by digital technology and employee training, allows for regular monitoring of debtor performance, reminders of due dates, and mitigation of the risk of late payments. This study recommends strengthening digitalization and regular evaluation of the monitoring system, as well as further research to explore specific indicators such as evaluation frequency and digital application usage.
Copyright (c) 2025 Sakinah Halim Manurung, Marliyah Marliyah, Muhammad Syukri Albani Nasution https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Kualitas Produk, Iklan, dan Promosi terhadap Brand Awareness pada Prudential Life Assurance
This study examines the effects of product quality, advertising, and promotion on brand awareness in the life-insurance context. Using a quantitative survey of 100 respondents and multiple linear regression, the research tested the partial and simultaneous influences of the three predictors. Instrument quality met common thresholds for validity and reliability; classical assumptions were assessed prior to model estimation. The results show that product quality does not have a significant partial effect on brand awareness (p = 0.138), whereas advertising (p = 0.003) and promotion (p = 0.021) have positive and significant effects. Simultaneously, the model is significant (F = 35.726; p < 0.001) with an explanatory power of R² = 0.684. These findings indicate that communication efforts—particularly consistent and creative advertising and targeted promotions—play a more decisive role in strengthening brand awareness than perceived product quality in this sample. The study provides managerial guidance for prioritizing integrated marketing communication strategies for life-insurance brands
Copyright (c) 2025 Fauji Arkhan Sembiring, Aqwa Naser Daulay, Nurul Jannah https://creativecommons.org/licenses/by-sa/4.0
Pengambilan Keputusan Strategis untuk Pengembangan Model Kota Produktif dan Berdaya Saing yang Berkelanjutan Berbasis TOPSIS
Transformasi kota berbasis ekonomi kreatif menjadi salah satu strategi penting dalam meningkatkan daya saing dan produktivitas daerah. Namun, tantangan kompleks seperti keterbatasan infrastruktur, akses permodalan, dan keterampilan sumber daya manusia masih menghambat optimalisasi potensi ekonomi kreatif. Oleh karena itu, diperlukan pendekatan analitis yang mampu mengidentifikasi prioritas strategi secara objektif dan terukur. Studi ini bertujuan untuk menentukan prioritas strategi pengembangan kota produktif dan berdaya saing berbasis ekonomi kreatif di Kota Malang. Fokus penelitian diarahkan pada pemetaan kriteria strategis dan pemilihan alternatif kebijakan yang paling efektif melalui pendekatan kuantitatif. Penelitian ini menggunakan metode Multi-Criteria Decision Making (MCDM) dengan teknik Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS). Data diperoleh dari 50 responden yang terdiri atas akademisi, pelaku usaha kreatif, dan aparatur pemerintah daerah. Responden memberikan penilaian terhadap delapan kriteria strategis dan delapan alternatif kebijakan menggunakan skala Likert. Hasil analisis menunjukkan bahwa strategi dengan nilai preferensi tertinggi adalah penguatan kolaborasi triple helix, diikuti oleh pengembangan infrastruktur kreatif dan peningkatan akses pembiayaan. Kesimpulan utama penelitian ini adalah bahwa keberhasilan pengembangan kota berbasis ekonomi kreatif sangat dipengaruhi oleh kolaborasi lintas aktor, sinergi kebijakan, dan penguatan kapasitas sumber daya lokal. Temuan ini memberikan kontribusi bagi pemerintah daerah dalam merumuskan kebijakan prioritas yang terukur dan berbasis bukti. Penelitian ini juga menegaskan pentingnya strategi kolaboratif sebagai katalisator untuk menciptakan ekosistem ekonomi kreatif yang inklusif dan berkelanjutan.
Copyright (c) 2025 Ririn Andriana, Leonard Adrie Manafe, Sri Lestari https://creativecommons.org/licenses/by-sa/4.0
Analisis Pengaruh Artificial Intelligence di E-Commerce Shopee terhadap Purchase Intention dengan Perceived Trust sebagai Variabel Intervening pada Generasi Z
The development of information technology is currently progressing rapidly, including in Indonesia. AI has become a technological trend that continues to evolve. In digital marketing, AI plays an important role in helping businesses understand consumer behavior. Indonesian society is increasingly fond of shopping through e-commerce due to its convenience and ease of use. This thesis examines the influence of AI on online purchase intention on the Shopee e-commerce platform. The population in this study is Generation Z, with a total sample of 200 respondents. Data collection was conducted using a quantitative approach by distributing an online questionnaire via Google Forms. The sampling technique used was convenience sampling. The data analysis technique employed was the SEM-PLS method, consisting of outer model and inner model analysis, using SMARTPLS software. The results of this study show that optimism and innovativeness have a positive and significant effect on perceived trust. On the other hand, discomfort and insecurity also have a significant effect on perceived trust, but in a negative direction. In addition, perceived trust can act as a mediator in the relationship between optimism, innovativeness, discomfort, insecurity, and purchase intention. Keywords: Discomfort; Innovativeness; Perceived trust; Generasi Z; Social Commerce
Copyright (c) 2025 Yuliana Ayundari, Arif Hartono https://creativecommons.org/licenses/by-sa/4.0
Estimasi Nilai Ekonomi Wana Wisata Rintisan D’Big Stone Wonosalam Menggunakan Metode Contingent Valuation (CVM)
Forests play a crucial role in maintaining ecosystem balance while providing ecological, social, and economic benefits for local communities. However, increasing human activities and unmanaged tourism utilization can potentially degrade environmental quality. This study was conducted in Wana Wisata Rintisan Selo Ageng “D’Big Stone Park”, located in Wonosalam Subdistrict, Jombang Regency, which functions both as a tourist area and a conservation site. The research aims to estimate the economic value of the area using the Contingent Valuation Method (CVM) and to formulate sustainable management strategies. A total of 30 respondents were selected purposively through snowball sampling. Data were collected using a dichotomous choice questionnaire and analyzed using binary logistic regression with STATA. The results show that the community’s average Willingness to Pay (WTP) is IDR 13,868.53 per individual, resulting in a total economic value of IDR 122,023,423. This value reflects the community’s awareness and concern for forest conservation, even though not all benefits are directly perceived. The findings emphasize the importance of participatory management through strengthened conservation efforts, local economic empowerment, environmental education, and policy integration to maintain a balance between economic benefits and ecological sustainability.
Copyright (c) 2025 Maysaroh Tri Khusnah, Taufik Setyadi, Nisa Hafiidhoh Fitriana https://creativecommons.org/licenses/by-sa/4.0
How Do Digital Marketing And App Ease Of Access Influence Consumer Satisfaction And Loyalty On Spotify
This research aims to explore the influence of digital marketing and ease of access on consumer satisfaction and loyalty in Spotify’s music streaming service, focusing on university students at Kutai Kartanegara University. Employing a quantitative design with Structural Equation Modeling (SEM) using SmartPLS version 4.1.0.6, responses from 140 students were analyzed. The findings indicate that both ease of access and digital marketing significantly and positively affect consumer satisfaction and loyalty. Furthermore, consumer satisfaction mediates the relationship between these variables and loyalty, underscoring the critical role of effective digital strategies and accessible services in strengthening customer retention. The results provide practical insights for companies in enhancing competitive advantage in the digital music industry.
Copyright (c) 2025 Ali Akbar, Yonathan Palinggi, Evelin Silitubun, Ilham Ilham, Sabran Sabran, Nilam Anggar Sari https://creativecommons.org/licenses/by-sa/4.0
Analisis Pengaruh Social Interaction dan Brand Awareness terhadap Purchase Intention Pada Tiktok : Mediasi oleh Trust
This study aims to analyze the influence of social interaction and brand awareness on purchase intention on the Tiktok platform, with Trust as a mediating variable. The research is motivated by the rapid growth of social commerce in Indonesia, particularly through Tiktok Shop, which facilities direct interaction between consumers and businesses through the utilization of various tiktok features designed to support corporate marketing activities. A quantitative approach was employes using a survey method involving 200 active tiktok users as respondents. Data analysis was conducted using Partial Least Squares Structrural Equation Modeling (PLS-SEM). The resukts show that social interaction and brand awareness have a positive and significant effect on Trust, and Trust significantly mediates the effect of both variables on purchase intention. These findings provide practical implications for businesses in designing marketing strategis based on social engagement and brand awareness to increase consumer purchase intentions on tiktok.
Copyright (c) 2025 Firly Faturachmi Yatnikaputri, Anas Hidayat https://creativecommons.org/licenses/by-sa/4.0
Efektivitas Tren Influencer Dalam Strategi Pemasaran Digital Aplikasi TikTok Terhadap Penjualan UMKM Di Kabupaten Bungo
This study aims to analyze the effectiveness of inflluencer trends and digital markting strategies on TikTok for UMKM sales in Bungo Regency. Many UMKM actors in the region have not fully understood and utilized digitalization. The research method uses a mixed-methods approach (quantitative and qualitative), involving 16 UMKM respondents who are active on TikTok by filling out questionnaires and in-depth interviews with 6 UMKM actors and 4 local influencers. Quantitative data analysis was conducted using descriptive, correlation, and linear regression tests, while qualitative analysis used thematic analysis. The results of the study show that descriptively, respondents have a very positive perception of influencers as thes are considered effective in increasing consumer trust, expanding market reach, and directly impacting sales. However, statistical analysis shows that content strategy is the most influential and significant factor affecting UMKM sales. Although the overall regression test was not significant, which indicates the existence of other factors outside the variables studied, these findings clearly conclude that content strategy is a key element with great potential to increase sales.
Copyright (c) 2025 Tri Wera Agrita, Vivi Yosefri Yanti, Wizeadly Mustin https://creativecommons.org/licenses/by-sa/4.0
Navigating Cryptocurrency Investments among Gen Z in Indonesia: The Role of Social Media Influencer, FOMO, and Financial Literacy
This study examines the influence of social media influencers (SMIs), fear of missing out (FOMO), and financial literacy on cryptocurrency investment decisions among Generation Z in Indonesia. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected through an online questionnaire distributed to Gen Z respondents, using purposive sampling and yielded 366 valid responses. The findings show that SMI primarily shape early interest by disseminating information, while FOMO dominates Gen Z’s investment behavior, driving impulsive decisions. As a moderator, FOMO negatively affects investment decisions, with fear outweighing influencer recommendations. Financial literacy emerges as the strongest predictor, fostering rational evaluation and reducing reliance on external cues. However, it does not strengthen SMI’s effect, underscoring the interplay of emotional, social, and cognitive factors in Gen Z’s cryptocurrency investments. This study provides new insights by jointly examining SMI, FOMO, and financial literacy on cryptocurrency investment decisions among Gen Z in Indonesia, an underexplored contextual and interactional perspective.
Copyright (c) 2025 Fitri Yutika, Ratnawati Ratnawati https://creativecommons.org/licenses/by-sa/4.0
Determinant Tingkat Upah Di Indonesia: Wawasan Dari Survei Kehidupan Keluarga Indonesia Gelombang 5
This study aims to analyze the factors that influence wage levels in Indonesia using data from the Indonesian Family Life Survey (IFLS) Wave 5. The sample in this study consisted of 16,307 individuals taken from books K, 3A, and 3B of the Indonesian Family Life Survey (IFLS) Wave 5. This study identifies six variables suspected of influencing wage levels: education, age, gender, marital status, urbanization, and working hours. The data analysis technique used was linear regression using STATA 14 software. The results of the study indicate that the variables of education level, age, and working hours have a significant influence on wage levels, based on the heteroskedasticity test conducted. Meanwhile, the variables of gender and urbanization did not show a significant influence on wage levels. These findings provide important insights for labor policies and economic development planning that are more equitable, particularly in addressing wage disparities based on education and gender. It is hoped that the Indonesian public will prioritize higher education to achieve higher income levels
Copyright (c) 2025 Moh. Haris Mulya Syahputra, Baiq Saripta Wijimulawiani, Ahmad Zaenal Wafik https://creativecommons.org/licenses/by-sa/4.0
Strategi Pengembangan Usahatani Hortikultura Hidroponik Dengan Metode AHP Studi Kasus: KWT Serpis Kebun Kita
Abstract is This study aims to determine the alternative, identify its development challenges, and analyze key priority strategies using the Analytical Hierarchy Process (AHP) approach. Data were obtained through observation, interviews, focus group discussions (FGDs), questionnaires, and literature studies. The research respondents consisted of four core administrators of KWT Serpis who had a comprehensive understanding of the organization's conditions. Data analysis was the AHP method to determine the priority of development strategies based on the weighting of criteria and subcriteria with a consistency ratio ≤ 10%. The results showed that KWT Serpis Kebun Kita had adequate hydroponic infrastructure with an increasing production trend, but still faced technical, managerial, and marketing constraints. Based on the AHP analysis, four main development criteria were obtained, namely production factors (55.8%), government or institutional policies (21.0%), cultivation (14.4%), and marketing (8.7%) with an inconsistency ratio value of 0.02. The main alternative strategies for developing hydroponic farming at KWT Serpis are: (1) continuous and affordable provision of production factors (weight 0.413), (2) access to infrastructure and facilities assistance (weight 0.145), and (3) application of innovation and technology in cultivation (weight 0.096).
Copyright (c) 2025 Alya Pravita Putri, Noor Rizkiyah, Gyska Indah Harya https://creativecommons.org/licenses/by-sa/4.0
The Role Of Financial Literacy, Inclusion And Income On Spending Behaviour With Locus Of Control As Moderation: Case Study Of Semarang Workforce
This study aims to investigate how Semarang workers' spending patterns are influenced by their income, financial inclusion, and financial literacy while also evaluating the moderating influence of locus of control. 385 individuals were given a questionnaire as part of the survey strategy used in this study to collect data. Using several social media platforms already in use, the survey was distributed online as a Google Sheets form for this study. SmartPLS 4 software was then used to analyze the collected data in order to assess the relationship between factors and the moderating effect of locus of control. It is anticipated that the research's conclusions will provide an empirical summary of how income, financial inclusion, and financial literacy affect workers' spending patterns and how locus of control either strengthens or weakens this relationship. It is expected that these findings would serve as the basis for recommendations made to financial professionals and policymakers to improve financial inclusion and literacy, resulting in more effective and long-term financial management
Copyright (c) 2025 Hera Nur Ainii, Linda Ayu Oktoriza, Ida Farida, Suhita Whini Setyahuni https://creativecommons.org/licenses/by-sa/4.0
Pengembangan Model Optimalisasi Rantai Pasok Pangan Laut Berbasis Smart Fisheries Village Untuk Mendukung Program Makan Bergizi Gratis di Desa Tanggetada
Marine food supply chains at the producer level continue to face significant inefficiencies, limiting fishermen’s economic potential and reducing the contribution of marine products to national food security. This study aims to develop a supply chain optimization model based on the Smart Fisheries Village (SFV) concept that is valid, practical, and efficient in supporting the Free Nutritious Meal (MBG) program. The research employed a Research and Development (R&D) method using a five-stage Design Thinking framework (Empathize, Define, Ideate, Prototype, Test), involving fishing communities in Tanggetada Village, Southeast Sulawesi, Indonesia. Data were collected through direct observation, stakeholder interviews, and participatory workshops, and subsequently analyzed using Gregory’s Content Validity Index and the System Usability Scale (SUS) for system evaluation. The results indicated a model validity score of 0.86 (very valid) based on Gregory’s analysis, while the practicality test yielded a SUS score of 78, reflecting high usability and user satisfaction. In terms of effectiveness, the SFV model increased fishermen’s income by 40% and boosted community participation by 50%. Furthermore, the model successfully ensured a diversified and sustainable seafood supply chain for the MBG program, achieving 80% progress during pilot trials in five schools. These findings confirm that the SFV model is an effective, replicable, and scalable strategy for optimizing marine food supply chains, empowering coastal communities, and strengthening national food security in support of the MBG initiative.
Copyright (c) 2025 Ashari Ashari, Nursamsir Nursamsir, I Gede Purwana Edi Saputra https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Kepemimpinan Transformasional dan Trust Building Terhadap Kinerja Karyawan dengan Kepuasan Kerja sebagai Variabel Mediasi
This study aims to analyze and explain the influence of transformational leadership and trust building on employee performance at BRI Bau-Bau Branch mediated by job satisfaction. The research approach is a survey with an explanatory research design. Data collection was carried out cross-sectionally using an instrument in the form of a questionnaire. The population of this study was all employees of BRI Bau-Bau Branch totaling 167 people. The sampling method in this study used the Slovin formula with a precision of 10% using the stratified proportional random sampling technique, so that the number of samples was 63 people. The analysis method used to test the hypothesis of this study is Partial least square (PLS). The results showed that transformational leadership had a positive and significant effect on employee performance. Then trust building had a positive but not significant effect on employee performance. Transformational leadership had a positive and significant effect on job satisfaction. Furthermore, trust building had a positive and significant effect on job satisfaction. Job satisfaction had a positive and significant effect on employee performance. Job satisfaction has been proven to mediate the influence between transformational leadership and trust building on employee performance. This study can be concluded that transformational leadership has a direct and indirect effect on employee performance through job satisfaction. Based on the research findings, it is suggested that transformational leadership needs to be developed, building trust through open and fair communication, and creating a comfortable work environment with consistent policies that support productivity.
Copyright (c) 2025 I Gede Rendi Ariadi, Putu Yudy Wijaya , Ida Ayu Putu Widani Sugianingrat https://creativecommons.org/licenses/by-sa/4.0
Pengembangan Model Pengelolaan Sampah Berbasis Ekonomi Sirkular Terdigitalisasi: Upaya Mewujudkan Zero Waste Tourism di Kawasan Pesisir Watubangga
The coastal area of Watubangga is facing severe environmental degradation due to unmanaged tourism waste and the absence of an integrated waste management system. This study aims to develop a digitized circular economy-based waste management model that valid, practical, efficient, to achieve Zero Waste Tourism (ZWT). The research employed a Research and Development (R&D) approach guided by the five stages of Design Thinking: Empathize, Define, Ideate, Prototype, and Test. Data were collected through field observations, in-depth interviews, and surveys with local stakeholders, followed by analysis using descriptive statistics, the System Usability Scale (SUS), and Gregory’s formula for validity testing. The results revealed that the implemented model reduced waste volume by 38%, increased community participation by 65%, and boosted local income by 45%. The developed digital platform achieved a 95% readiness level, with a model consistency coefficient of 0.92 and a high user satisfaction score (SUS = 88). These findings demonstrate that integrating system with accessible digital technology can effectively address environmental and economic challenges in coastal tourism areas. This study contributes a validated and replicable waste management system that supports sustainable tourism development.
Copyright (c) 2025 Nursamsir Nursamsir, Ashari Ashari, Qammadin Qammadin https://creativecommons.org/licenses/by-sa/4.0
Implementasi Human Resource Information System (HRIS) dalam Meningkatkan Efisiensi Administrasi SDM PT Bio Farma Jawa Barat
Digital transformation in human resource management has become a strategic necessity in the era of the 5.0 industrial revolution. One widely adopted innovation is the Human Resource Information System (HRIS), which aims to improve the efficiency of HR administration. Most research focuses on the private sector and has not examined HRIS implementation in state-owned pharmaceutical companies. This indicates the need for in-depth study in the context of state-owned enterprises, particularly PT Bio Farma (Persero) in West Java. The main issue that must be examined is the contribution of HRIS to time efficiency, data accuracy, and job satisfaction of administrative staff. The purpose of this study is to analyze the impact of HRIS implementation on HR administration efficiency. The research method used is a descriptive quantitative approach with a purposive sample of 40 respondents. Data collection techniques were carried out through questionnaires and interviews. Data analysis used simple regression tests and descriptive analysis. The results show that HRIS can improve time efficiency, data accuracy, and job satisfaction. The implications of this research provide practical contributions to companies in strengthening digital HR systems, as well as theoretical contributions to the development of HR information system models.
Copyright (c) 2025 Supardi Supardi, Adrianus Trigunadi Santoso https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Lingkungan Kerja, Stres Kerja, dan Budaya Organisasional Terhadap Kepuasan Kerja Karyawan
This study aims to analyze the influence of the work environment, work stress, and organizational culture on employee job satisfaction. The approach used in this study is quantitative, with the application of the Partial Least Square-Structural Equation Modeling (PLS-SEM) method, which was analyzed using SmartPLS 3 software. A total of 70 respondents participated in completing the questionnaire distributed offline. The research findings indicate that the work environment has a negative but non-significant influence on job satisfaction, work stress has a significant negative influence on job satisfaction, and organizational culture has a significant positive influence on job satisfaction. The implications of this research emphasize the importance of managing work stress and improving organizational culture in managing job satisfaction.
Copyright (c) 2025 Wina Anggraini, Ignatius Soni Kurniawan, Eko Yulianto https://creativecommons.org/licenses/by-sa/4.0
Keterbatasan Inovasi Produk dalam Perbankan Syariah Indonesia: Analisis Struktural atas Hambatan Regulatif, Kelembagaan, dan Teknologi
This study aims to critically examine the structural barriers limiting product innovation in Indonesia’s Islamic banking sector. Employing a qualitative method through a literature-based approach, this study analyzes academic publications, regulatory documents, and industry reports related to innovation in Islamic finance. The findings identify four major categories of challenges: regulatory complexity and Shariah compliance, limited human capital capabilities, slow digital transformation, and weak collaboration among academics, regulators, and industry actors. These factors interact and form a systemic structural hindrance to the innovation process. The study recommends regulatory reform grounded in maqashid al-shari’ah, capacity-building of human resources, digital adoption aligned with Islamic values, and the development of a sustainable, collaborative ecosystem. This research contributes to the discourse on strengthening Islamic financial innovation through an integrative and context-responsive framework
Copyright (c) 2025 Fadillah Muawana, Mellyan Mellyan, Yoni Hendrawan https://creativecommons.org/licenses/by-sa/4.0
Person-Job Fit dan Perceived Organizational Support terhadap Komitmen Karier: Peran Mediasi Kesejahteraan Kerja
Educational quality in rural Indonesia faces challenges due to limited resources and teacher welfare concerns. This study analyzes the role of job well-being in strengthening the relationship between Person-Job Fit and Perceived Organizational Support with teachers' occupational commitment in rural areas. A quantitative survey method with saturated sampling was employed (census), involving 52 public junior high school teachers in Samigaluh, Kulon Progo. Data were collected through questionnaires and analyzed using SEM with Partial Least Squares (PLS) via SmartPLS 4.0. Results indicate that PJF has significant positive effects on both job well-being (β=0.555, p<0.001) and occupational commitment (β=0.385, p<0.001), directly and indirectly through job well-being (β=0.271, p=0.005). POS significantly influences job well-being (β=0.397, p=0.001) but does not directly affect occupational commitment (β=0.043, p=0.683). However, POS indirectly affects occupational commitment when mediated by job well-being (β=0.188, p=0.025). Job well-being serves as a crucial mediating mechanism. School management should prioritize proper teacher placement and provide tangible organizational support to enhance teacher welfare for building long-term occupational commitment
Copyright (c) 2025 Alifa Indana Zulfa, Ignatius Soni Kurniawan https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Pertumbuhan Ekonomi dan Pengangguran terhadap Indeks Pembangunan Manusia di Kabupaten Sampang
Human Development Index (HDI) is an important indicator to measure the quality of human development in a region. However, there is still a gap between economic growth and unemployment to HDI in several regions, including Sampang Regency. This study aims to analyze the influence of economic growth and unemployment on HDI in Sampang Regency, East Java during the period 2021 – 2024. This study uses secondary data from the Central Statistics Agency (BPS), and is analyzed using multiple linear regression. The results of the study show that economic growth has a negative value and has no effect on HDI. This shows that the increase in economic growth in Sampang Regency is not automatically followed by an improvement in the quality of human development. The unemployment variable has a negative value and affects HDI, which shows that if unemployment decreases, many of the workforce already have jobs so that they can improve their quality of life which will later increase HDI. Simultaneously, these two variables affect HDI in Sampang Regency. Based on these findings, policies are needed that encourage equitable development, job expansion, and improve the quality of education and health services so that welfare can be felt by all levels of society.
Copyright (c) 2025 Channa Chamdiyah Atsaniyah, Riza Yonisa Kurniawan, Heny Musfidah https://creativecommons.org/licenses/by-sa/4.0
The Influence of Participative Leadership on Cooperative Member Loyalty: The Mediating Role of Helping Behaviour and Trust in Leaders
This study examines the influence of participative leadership style on cooperative member loyalty with trust in leaders and helping behavior as mediating variables. Cooperatives, as pillars of the Indonesian economy, require effective leadership to strengthen member commitment and sustainability. The novelty of this research lies in its focus on cooperative groups whose members join voluntarily, and in integrating social exchange theory to explain leadership dynamics. Using a quantitative explanatory design, data were collected from 217 respondents representing groups of the Setia Bhakti Wanita Cooperative in Surabaya. Data analysis was conducted with Structural Equation Modeling (SEM) using SmartPLS 3. The results show that participative leadership has a significant positive effect on trust in leaders, helping behavior, and member loyalty. Helping behavior was also found to significantly mediate the relationship between participative leadership and loyalty, while trust in leaders did not play a significant mediating role. These findings highlight that loyalty is better fostered through collective prosocial actions rather than solely relying on trust in leaders. Practically, cooperative leaders are encouraged to apply participative leadership that emphasizes member involvement in decision-making, open communication, and a culture of mutual assistance to build sustainable loyalty. Future research is recommended to expand the object of study across different cooperative contexts and include other mediating variables such as member satisfaction or organizational commitment to enrich the understanding of member loyalty.
Copyright (c) 2025 Iwang Suwangsih, Nindya Kartika Kusmayati, Dhiyan Septa Wihara, Dini Febriani https://creativecommons.org/licenses/by-sa/4.0
The Intensity of MSME Actors in Pontianak Adopting Digital Financial Services (Fintech) in Improving Sustainable Financial Literacy
The rapid penetration of technological developments has changed the landscape of Indonesia's economy towards a digital economy and financial technology (fintech), including Micro, Small and Medium Enterprises (MSMEs) which continue to face classic problems such as funding, digital marketing, and even financial management that hinder business growth. This study aims to identify the factors influencing the intention of MSMEs to adopt fintech services in Pontianak, West Kalimantan. The research design uses a quantitative approach where data was distributed through questionnaires to 245 MSME traders and analyzed using the Smart PLS-SEM (Partial Least Square-Structural Equation Modeling) model by combining two well-known theories in predicting individual behavior and technology acceptance, namely the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). The results show that Perceived Ease of Use (PEOU) and Perceived Usefulness (PU) have a significant effect on Attitude Toward Behavior (ATB). Similarly, Perceived Ease of Use (PEOU) and Attitude Toward Behavior (ATB) influence Behavioral Intention (BI). Conversely, Perceived Usefulness (PU), Trust (T), and Social Influence (SI) did not significantly influence Behavioral Intention (BI). This study implies the need for collaboration between regulators (OJK) and all stakeholders, including MSMEs, to improve financial literacy by continuing to educate them about fintech products and services. The hope is that MSMEs can integrate with fintech not only in financing but also in scaling up their businesses, finances, human resources, and other areas.
Copyright (c) 2025 Fry Melda Saragih, Melyanto Melyanto https://creativecommons.org/licenses/by-sa/4.0
Financial Distress Analysis of Retail Companies on IDX: Altman, Springate, and Zmijewski Models
The Indonesian retail sector has experienced digital disruption and shifting consumer preferences, making early detection of financial distress increasingly important. This study aims to compare financial distress predictions of retail companies listed on the Indonesia Stock Exchange (IDX) using the Altman Z-Score, Springate, and Zmijewski models for the 2021–2024 period. A quantitative descriptive method was applied using secondary data from audited annual reports of 26 retail companies selected through purposive sampling. Financial ratios were calculated based on each model and classified to assess bankruptcy risk. The findings show that most companies fall into the safe zone across the three models, indicating generally strong liquidity, profitability, and solvency. However, several firms, particularly GLOB, TELE, and TRIO, are consistently categorized as distress, reflecting structural financial weaknesses and a high probability of bankruptcy without corrective action. The results highlight the role of multiple prediction models to enhance early warning accuracy and support managerial and investment decisions.
Copyright (c) 2025 Dayegha Feruziarya Putri Abelgissabella, Taufik Akbar https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Kualitas Program Pelatihan, Dukungan Organisasi, dan Budaya Inovatif terhadap Peningkatan Kompetensi Peserta Diklat di Balai Pelatihan Teknik Traksi Darman Prasetyo PT KAI (Persero)
This study aims to analyze how the quality of training programs, organizational support, and innovative culture contribute to improving the competence of trainees at BPTT Darman Prasetyo PT Kereta Api Indonesia (Persero). A quantitative approach was used, involving 97 respondents as research samples. The research instruments were first evaluated through validity and reliability tests to ensure the accuracy and consistency of the measurements. The next stage included a series of classical tests for normality, multicollinearity, and heteroscedasticity to ensure that the analysis model met the relevant statistical requirements. After all analyses were completed, linear multiple regression was applied to identify and measure the contribution of each variable to the improvement of participants' competencies. The results of the analysis show that organizational support has a positive and significant effect on strengthening competency. The quality of the training program and innovative culture also show a positive effect, but have not yet reached a level of significance in terms of competency. The findings of this study confirm that adequate organizational support is a dominant element in encouraging an increase in the competency of training participants.
Copyright (c) 2025 Oktavia Eka Nahayun, Didik Subiyanto, Tri Ratna Purnamarini https://creativecommons.org/licenses/by-sa/4.0
Purchasing Decisions on Eco-Friendly Products: A Study on Reusable Tumblers
The tumbler is considered an eco-friendly product because it can be refilled and reused multiple times, thereby reducing reliance on single-use plastic bottles. This research investigates how environmental awareness and perceived value affect students’ purchasing decisions for eco-friendly tumblers at Kutai Kartanegara University, with trust serving as a mediating variable. Using a quantitative, purposive sampling approach, data were collected from 92 active tumbler users via a structured questionnaire and analyzed using software SmartPLS 4.1.1.6. The study found that both environmental awareness and perceived value significantly and positively impact purchasing decisions and trust. This suggests that individuals with higher environmental awareness are more inclined to buy eco-friendly tumblers and are more likely to trust the environmental claims and qualities of these products. However, trust itself does not significantly influence purchasing decisions and does not mediate the link between environmental awareness, perceived value, and purchasing behavior. Therefore, the primary drivers of reusable tumbler purchases in this study were environmental awareness and perceived value.
Copyright (c) 2025 Muhammad Randa Nurahman, Ali Akbar, Heru Suprapto, Erwinsyah Erwinsyah https://creativecommons.org/licenses/by-sa/4.0
Implementasi VRIO Framework untuk Mendeteksi Sumber Daya Unik Dalam Upaya Keberlanjutan Bisnis Kuliner dan Manajemen Keuangan
Competitive advantage is crucial for business continuity in a competitive market. It is not merely a strategy but also a crucial component for creating a successful culinary business. The VRIO (Value, Rarity, Imitability, and Organization) framework can be used to evaluate existing resources and identify competitive advantages. The urgency of this research is to understand the unique potential of the culinary business and its impact on profitability and business sustainability. The purpose of this study is to delve deeper into the unique resources in the culinary business and how applying the VRIO framework can help identify competitive advantages related to business sustainability. The method used in this study is mixed methods analysis (a combination of qualitative and quantitative). The population in this study was restaurants in Boyolali City. The sampling technique used was purposive sampling. The results of the study showed that resources that meet the criteria of Value, Rarity, Imitability, and Organization contribute significantly to the sustainability of culinary business operations. The VRIO Framework successfully identified unique resources such as original recipes and distinctive cooking techniques
Copyright (c) 2025 Yunita Niqrisah Dwi Pratiwi, Milka Susana Theorupun, Donna Setiawati https://creativecommons.org/licenses/by-sa/4.0
Entrepreneurial Self-Efficacy dan Technology Acceptance Model dalam Analisis Niat Adopsi AI untuk Pemasaran Digital Santripreneur Mahasiswa
The ongoing digital transformation presents vast opportunities for Indonesian MSMEs, particularly santripreneurs within pesantren, to integrate artificial intelligence (AI) into their marketing strategies. This study explores how entrepreneurial self-efficacy (ESE) strengthens the Technology Acceptance Model (TAM) in the adoption of AI-based marketing. Employing a quantitative design, data were gathered from 375 student santripreneurs across five Islamic cities in East Java and analyzed using SEM-PLS. The results indicate that ESE exerts a positive effect on perceived ease of use and perceived usefulness, which subsequently enhance attitudes and adoption intentions. These findings underscore ESE’s significance as an external construct enriching the classical TAM. The study extends TAM within the pesantren entrepreneurship context and offers practical insights for promoting digital literacy training and ecosystem collaboration to accelerate AI adoption among santripreneurs
Copyright (c) 2025 Mohammad Haidar Ali, Rohmad Prio Santoso, Lilis Sugi Rahayu Ningsih, M. Syahru Ramadhan https://creativecommons.org/licenses/by-sa/4.0
Implementasi Qanun No. 11/2018 di Aceh Barat: Literasi Masyarakat, Praktik Lembaga, dan Peran Dewan Pengawas Syariah
This study examines the implementation of Aceh Qanun No. 11/2018 on Sharia Financial Institutions (LKS) in West Aceh, focusing on public literacy and user experience, institutional constraints, and the role of Sharia Supervisory Boards (DPS). Employing a qualitative case-study approach, data were gathered through interviews, limited observation, and document analysis at Bank Syariah Indonesia (BSI) Meulaboh, Bank Aceh Syariah Meulaboh, and a sharia cooperative/BMT in Meureubo, involving 15 purposively selected informants. Guided by institutional theory and diffusion of innovations, the analysis shows that strong regulatory pressure accelerates formal compliance, while public understanding remains largely declarative. Users experience moral reassurance alongside complex procedures, confusing contract terminology, and unequal urban-rural access. Banks adapt more effectively than cooperatives/BMT, which face sharper resource constraints. Although DPS exists formally, its oversight is perceived as episodic and document-oriented, enabling partial decoupling. Sustaining the Qanun requires strengthening public literacy, frontline competence, and proactive DPS engagement to move from symbolic to informed compliance.
Copyright (c) 2025 Mulia Safitri, Yoni Hendrawan https://creativecommons.org/licenses/by-sa/4.0
Mapping Risk of Changes in Rainfall Pattern And Mitigation Strategies Rice Production Using Spatial Data in East Java, Indonesia
Climate change is a global challenge that has a significant impact on the sustainability of agricultural systems and global food security. Rice productivity in East Java Province in 2024 experienced a decline of 4.78% due to prolonged drought/El Nino and climate anomalies as the main causes of production decline in several districts due to shifts in planting times (planting seasons) and crop failures. Unpredictable climate fluctuations can reduce land productivity, shorten the planting period, and threaten food price stability at the consumer level. The objective of this study was to identify the risk mapping of changes in rainfall patterns and mitigation strategies for rice productivity in East Java. The results show that, overall, rainfall in various regions in East Java does not have a significant effect (P > 0.05) on rice productivity, while spatial data-based mitigation results show that the overlay map of drought and flood risks is in the districts of Jember, Tuban, Lamongan, Bojonegoro, and Ngawi, with medium to high drought risk categories and high flood risk categories. For landslide risk zones, it was found that parts of Jember were included in the relatively high landslide risk category.
Copyright (c) 2025 Yusmiaty Sabang, Rizka Muizzu Aprilia, Amirusholihin Amirusholihin, Permadi Setyonagoro, Ratna Dewi Judhaswati https://creativecommons.org/licenses/by-sa/4.0
Bussiness Course: Aplikasi Pembelajaran Kewirausahaan Berbasis Simulasi Studi Kasus dan Pengambilan Keputusan untuk Siswa dan Mahasiswa
Strengthening entrepreneurship education at the high school (SMA/SMK) and university levels requires an approach that integrates theory with real-world practice. However, many students still struggle to fully understand business strategies due to limited hands-on experience and a lack of access to contextual business simulations. This study aims to develop a prototype of a learning application for entrepreneurship education called Business Course, which is based on case study simulations and decision-making scenarios. The application is designed to help users understand the dynamics of the business world through simple virtual scenarios that reflect real challenges in various types of enterprises, such as trade, services, culinary, and agriculture. The research method used is Research and Development (R&D) with the ADDIE model, and the development has currently reached the prototyping phase using Figma. Initial results indicate that the design of features and simulation flow allows users to identify problems, choose alternative solutions, and evaluate their impacts on business performance in a virtual setting. This application is expected to serve as an alternative, practical, and contextual learning medium that supports learning outcomes in entrepreneurship curricula. The research will continue with a testing phase to measure the effectiveness of the application in improving entrepreneurial competencies
Copyright (c) 2025 Nailariza Umami; Heri Pratikto; Agus Hermawan https://creativecommons.org/licenses/by-sa/4.0
Spiritualitas dan Akuntabilitas Manajerial dalam Filantropi Islam di Laz Sahabat Yatim Cab Makassar
This study aims to explore how Islamic spirituality shapes managerial accountability within Islamic philanthropic organizations, with a focus on Sahabat Yatim Foundation, Makassar Branch. Using a qualitative interpretive approach, the research investigates the meaning of spirituality in the management of zakat, infak, and sadaqah funds through in-depth interviews, participant observation, and document analysis. The findings reveal that the four prophetic values siddiq (honesty), amanah (responsibility), tabligh (transparency), and fathanah (wisdom)serve as moral foundations that shape managerial consciousness and ethical behavior among organizational actors. These values operate not only as individual moral guides but also as embedded cultural principles that influence financial reporting, monitoring systems, organizational communication, and strategic decision-making. The integration of spirituality with digital transparency practices, particularly the implementation of an e-reporting system, strengthens public trust and enhances the institution’s moral and social legitimacy. The study concludes that accountability in Islamic philanthropy is not merely an administrative obligation but a manifestation of spiritual awareness and religious commitment to safeguarding public trust and managing communal funds with integrity. This research contributes to the theoretical development of spirituality-based accountability and offers practical implications for improving governance practices in Islamic philanthropic institutions in the digital era.
Copyright (c) 2025 Hariatih Hariatih, Alimuddin Alimuddin, Syarifuddin Syarifuddin https://creativecommons.org/licenses/by-sa/4.0
Manifestation of Surah Al-Ma’un in the Value of Barakah as the Ethical Foundation for CSR Program Development at CV. Adnan Tour and Travel
This study examines how the values of Surah Al-Ma’un are manifested within the concept of barakah (divine blessings) and how these values serve as an ethical–spiritual foundation for designing Corporate Social Responsibility (CSR) programs at CV. Adnan Tour. Surah Al-Ma’un highlights social compassion, justice, empathy, and moral accountability as intrinsic expressions of Islamic religiosity. Employing a phenomenological approach, this research explores the lived experiences of business owners and employees in interpreting the meaning of barakah and its operationalization in the company’s CSR initiatives. The findings reveal that Surah Al-Ma’un nurtures a moral consciousness that corporate profit inherently contains the rights of others; hence, it must be redistributed through almsgiving, social assistance, and community-beneficial programs such as the “Friday Blessings Program” and Qur’an distribution to local mosques. Barakah is perceived not merely as material gain but also as business tranquility, protection from risks, a positive organizational climate, and enhanced customer trust. The values of Al-Ma’un also cultivate a culture of empathy, honesty, and social care, strengthening the company’s public reputation. Thus, the Al-Ma’un–based CSR model at CV. Adnan Tour goes beyond regulatory compliance and becomes a meaningful form of spiritual value internalization fostering business sustainability and social welfare.
Copyright (c) 2025 Ghaliyah Nimassiita Triseptya, Alimuddin Alimuddin, Syarifuddin Syarifuddin https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Model Pembelajaran Problem Based Learning (PBL) Terhadap Hasil Belajar Siswa Kelas VIII MTs An Najahiyyah Tahun Pelajaran 2025/2026
This study was motivated by the fact that the learning model currently being used has not contributed to the learning outcomes of eighth grade students. Specifically, when students study social studies, they have not maximized their ability to express ideas to solve problems through analytical questions. The purpose of this study is to analyze the effect of the problem-based learning (PBL) model on the learning outcomes of eighth-grade students at MTs An Najahiyyah in the 2025/2026 academic year. The experimental research method with Paired Sample t-test analysis was used to measure the difference in the effect of a treatment on the same sample, namely eighth grade with 33 students. Data collection was conducted through observation and tests. The instruments were tested for validity and reliability. From the results of the Paired Sample t-test analysis, the tcount value was > than the ttable, namely 8.120 > 2.021, and the significance value was < than alpha 5% (0.000 < 0.05), so it can be said that H0 was rejected and Ha was accepted. This shows that there is an effect of the problem-based learning (PBL) model on the learning outcomes of eighth-grade students at MTs An Najahiyyah in the 2025/2026 academic year. Referring to these results, the use of the PBL model is in line with its advantages, namely that PBL directly trains students to solve problems, both those in the subject matter and those relevant to real life
Copyright (c) 2025 Ralda Auril Trissanda, Shendy Andrie Wijaya, David K. Susilo https://creativecommons.org/licenses/by-sa/4.0
Influence Welfare Economy and Satisfaction Work Regarding Power Teacher Competition with Motivation Achievement as an Intervening Variable
Research This aim analyze influence welfare economy and satisfaction Work to Power teacher competition, good in a way direct and through motivation achieve as variables mediation. Research quantitative This involving 115 civil servant teachers State Civil Servants (ASN) consisting of for civil servants and PPPK at the level Elementary School, School Puff First and School State Senior High Schools in Makassar City in 2025. Questionnaire Instrument Data Google Form based developed from the grand theory of each variable, then analyzed using Structural Equation Modeling (SEM) with device SmartPLS-4 software. Testing the entire measurement model construct fulfil criteria validity convergent, validity discriminant, and reliability, so that worthy used in structural model testing. The results of the structural model analysis show that welfare economy, satisfaction work and motivation achieve influential positive and significant to Power teacher competition. Besides that, motivation achievement and satisfaction Work proven mediate in a way significant connection between welfare economy with Power teacher competition
Copyright (c) 2025 Andi Emil Salim, Romansyah Sahabuddin, Agussalim Agussalim https://creativecommons.org/licenses/by-sa/4.0
Analisis Keberlanjutan Kambing Etawa di Desa Tunggul, Paciran, Lamongan
The Etawa goat agribusiness has significant economic potential for coastal communities, but the sustainability of the business is often influenced by limited resources and the social dynamics of the farmers. This study analyzes the sustainability level of the Etawa goat milk agribusiness in Tunggul Village from an ecological and social perspective as two fundamental aspects that determine business stability. Data were collected from 40 farmers and analyzed using RAP-Kagot-based Multi-Dimensional Scaling (MDS). The results show that the ecological dimension has a sustainability index of 68.64%, while the social dimension has an index of 65.37%, both of which are classified as moderately sustainable. The most sensitive attributes affecting sustainability include waste management, climate change, and disease management in the ecological dimension, while community conflicts and farmer education levels dominate the influence on the social dimension. These findings confirm that the sustainability of Etawa agribusiness does not only depend on technical aspects of production, but is also influenced by social capacity, access to information, and adaptation to environmental changes. The research recommendations emphasize the need to strengthen business management, improve the quality of farmer human resources, and integrate ecological and social approaches to promote a more adaptive and competitive dairy goat agribusiness.
Copyright (c) 2025 Nabilah Ainur Rohmah, Wahyu Santoso, Mirza Andrian Syah https://creativecommons.org/licenses/by-sa/4.0
Pengembangan Pola Pendidikan Ekonomi Informal Dalam Penguatan Literasi Ekonomi Dan Kewirausahaan Pada Pelaku UMKM Di Kota Selong (Di Kelurahan Denggen)
Economic education within the family environment is part of informal education that occurs in an unprogrammed manner, but through a process of habituation and role modeling. This study aims to examine and analyze the characteristics of informal economic education that occurs within households, thereby forming patterns of informal economic education as an effort to shape good economic behavior. The data in this study were analyzed using qualitative analysis through the processes of data collection, data reduction, data presentation, and verification. The results showed that learning occurs not only through formal channels, but also organically through direct experience, social interaction, informal mentoring, observation, and the use of digital and community resources. These patterns are adaptive, contextual, and driven by the practical needs of MSMEs to survive and thrive. Significantly, this informal education has proven to be a major catalyst in strengthening functional economic literacy, where MSMEs gradually develop an understanding and ability to manage the financial aspects of their businesses, such as costing, pricing, cash flow management, and risk mitigation
Copyright (c) 2025 Muhamad Juaini, Muhammad Rapii, Tiara Puspa Sari, Ummi Qorib Absoh, Maya Andini https://creativecommons.org/licenses/by-sa/4.0
Persepsi Inovasi Produk Pembiayaan Syariah dan Minat Mengakses Bank Syariah: Studi Survei Pendahuluan di Desa Meureubo, Aceh Barat
This pilot survey examines perceptions of Islamic financing product innovation and intention to access Islamic banking among residents of Meureubo Village, West Aceh, Indonesia. A cross-sectional descriptive-exploratory design was used. A five-point Likert questionnaire was administered to 20 respondents (10-24 June 2025) who were users or prospective users of Islamic financing. Constructs covered perceived process ease, variety of contracts/schemes, need-fit, value-fit, self-reported contract understanding, socialization/information exposure, and intention. Results indicate positive perceptions: all respondents agreed that the products are easy to understand and fit needs and Islamic values. Intention was high; 90% reported that innovation increases their interest in using Islamic banking. However, 70% identified limited outreach/socialization as a barrier, and 30% were neutral about simpler application procedures. The findings suggest that product innovation should be accompanied by communication innovation—contract literacy, community-based outreach, and simulations—to translate interest into actual access. As a pilot, results map priority indicators for larger studies.
Copyright (c) 2025 Nurul Fajriatul Muqhni A, Muliza Muliza, Mikhral Rinaldi https://creativecommons.org/licenses/by-sa/4.0
The Influence of Promotion, Price, and Product on Online Purchasing Decisions
This study aims to determine whether promotion, price and product have a significant effect on online purchasing decisions. The method used is a quantitative method. The population used in this study was 100 people who had purchased products online and the sampling technique used purposive random sampling. Data analysis techniques in this study were classical assumption tests, multiple linear regression, and hypothesis tests. The results of the research that have been carried out can be concluded that partially the promotion value (t count> t table 3.679> 1.985), price (t count> t table (3.679> 1.985), product (t count> t table 2.547> 1.9845) have a significant effect on online purchasing decisions while simultaneously promotion, price, product (F count> F table 37.677> 2.31) have a significant effect on online purchasing decisions.
Copyright (c) 2025 Mispandi Mispandi, Muh Fahrurrozi, Gina Mayang SOka, Muhammad Riswandi Hakim, Shella Rizqi Amelia https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Pembelajaran Field Project Terhadap Peningkatan Kemampuan Berpikir Kreatif Dan Inovatif Dalam Buku Ajar Kewirausahaan Untuk Mahasiswa Universitas Hamzanwadi Tahun 2025
This study aims to analyze the effect of Field Project-based learning on improving students’ creative and innovative thinking skills through entrepreneurship textbooks at Universitas Hamzanwadi. This research employed a quantitative approach using a quasi-experimental one-group pretest–posttest design involving 40 students enrolled in entrepreneurship courses. Data were collected using validated creative and innovative thinking tests and analyzed using descriptive statistics, paired sample t-test, and N-gain analysis. The results show that the average pretest score increased from 62.4 to 81.7 in the posttest. The paired sample t-test result indicates t = 9.86 with p < 0.05. The N-gain value of 0.63 falls into the moderate-to-high category. These findings indicate that Field Project-based learning is effective in enhancing students’ creative and innovative thinking skills and supports learning outcomes aligned with the Merdeka Belajar–Kampus Merdeka (MBKM) policy and higher education Key Performance Indicators (IKU).
Copyright (c) 2025 Rohaeniyah Zain, Susilawati Susilawati, Agus Riswanto, Asti Maulina, Yuliana Safitri, Suzila Iin Rohmatin https://creativecommons.org/licenses/by-sa/4.0
Analysis Of Learning Difficulties In The Microeconomic Theory Course For Students Of The Economic Education Study Program, Pamulang University
This study aims to examine the various learning obstacles experienced by students in the Microeconomic Theory course in the Economic Education Study Program at Pamulang University. The course requires strong analytical skills and a deep understanding of concepts, which often pose challenges for students. The research employed a qualitative descriptive approach, with data collected through observations and interviews with students. The findings indicate that learning difficulties are influenced by both internal and external factors. Internal factors include insufficient mastery of basic economic concepts, limited mathematical ability, and low levels of learning motivation. External factors involve the use of predominantly conventional teaching methods, limited utilization of learning media, and a lack of contextual examples in the learning process. Therefore, this study recommends the implementation of more interactive and contextual learning strategies to enhance students’ understanding and learning outcomes in the Microeconomic Theory course.
Copyright (c) 2025 Syafaatul Hidayati https://creativecommons.org/licenses/by-sa/4.0
Evaluasi Pelaksanaan Program Sustainable Development Goals (SDGS) Desa Dalam Meningkatkan Pekerjaan Layak Dan Pertumbuhan Ekonomi Di Kabupaten Lombok Timur Tahun 2024
This study aims to: 1) Determine the implementation of the Sustainable Development Goals (SDGs) program in increasing decent work and economic growth in East Lombok Regency, 2) Determine the evaluation of the Sustainable Development Goals (SDGs) program in increasing decent work and economic growth in East Lombok Regency. This study is a qualitative descriptive study, using data collection techniques such as observation, interviews, questionnaires, and documentation in three villages. 20 respondents were selected using purposive sampling techniques, using Miles and Huberman data analysis techniques. Then, the data were analyzed using an interactive model that includes data reduction, data presentation, and conclusion drawing. Based on the research results, which refer to eight indicators: socialization, knowledge, effectiveness, efficiency, adequacy, equity, responsiveness, and accuracy of program targets. Therefore, it can be concluded that the implementation of the Village Sustainable Development Goals (SDGs) program to increase decent work and economic growth in East Lombok Regency has been carried out in accordance with applicable provisions and regulations. However, Goal 8 has not been implemented properly due to problems or shortcomings. Therefore, the evaluation of the implementation of the Sustainable Development Goals (SDGs) program is considered ineffective because most villages and communities have not yet felt the positive impact of the pre-employment card distribution program and the training provided by the vocational training centers
Copyright (c) 2025 Danang Prio Utomo, Muhammad Ali, Nadia Sholihah, Elma Bakti Asih https://creativecommons.org/licenses/by-sa/4.0
Implementasi Project-Based Learning (PjBL) dalam LMS E-Learning Hamzanwadi untuk Meningkatkan Kedisiplinan dan Dokumentasi Portofolio Mahasiswa pada Mata Kuliah Ekonometrik
This study aims to evaluate the effectiveness of Project-Based Learning (PjBL) implementation within the Hamzanwadi E-Learning Learning Management System (LMS) in improving students' learning discipline and digital portfolio documentation in the Econometrics course. The study employed a mixed methods approach. The subjects were 159 fifth-semester students of the Economics Education Study Program at Hamzanwadi University in the 2025/2026 Academic Year. Quantitative data were obtained through analysis of LMS activity logs, quiz participation, and project assignment submissions, while qualitative data were collected through interviews, focus group discussions, and analysis of students' academic portfolios. Data analysis was conducted descriptively and inferentially to measure the level of discipline, learning engagement, and portfolio documentation quality. The results showed that across seven lecture topics, student participation in quizzes reached an average of 97.9%, while participation in project assignment submissions averaged 74.3%. These findings indicate that the implementation of LMS-based PjBL can improve students' discipline, learning regularity, and academic responsibility. Furthermore, the LMS effectively functions as a systematic and structured digital portfolio documentation medium. Thus, the integration of PjBL into Hamzanwadi's E-Learning LMS has been shown to contribute positively to strengthening students' learning discipline and managing their academic portfolios in Econometrics.
Copyright (c) 2025 Farhana Muhammad, Huzain Jailani, Isfi Sholihah, Putri Ayu Anisatussholihah, Deliyana Wika Kinanti, Ewit Nurdayanti https://creativecommons.org/licenses/by-sa/4.0