Economics and Business Journal (ECBIS) is a scientific journal accredited by SINTA 3 Based on the Decree of the Director General of Research and Development Number 156/C/C3/KPT/2026 dated April 7, 2026 concerning the New Accreditation Ranking of Scientific Journals for Period 2 of 2025 Ranking 3 to 6 starting from Volume 1 No.1 (2022) to Volume 5 No.2 (2027).
The Effect of Financial Literacy on Financial Behavior With Fintech Use as a Moderating Variable
This research investigates how financial literacy affects the financial behaviors of students on Lombok Island. Utilizing a quantitative methodology, the study surveyed 110 students to gather relevant data. The findings reveal that a higher level of financial literacy has a substantial positive impact on students' financial habits and decision-making processes. Conversely, the role of financial technology (fintech) was found to be substantial in influencing or moderating these behaviors within the studied population. The conclusion emphasizes the importance of enhancing financial literacy programs to foster more responsible and informed financial practices among students. Developing such initiatives can contribute to better financial stability and decision-making skills in the future
Copyright (c) 2026 Fadila Jaber, Lalu Hamdani Husnan https://creativecommons.org/licenses/by-sa/4.0
Analysis Of The Influence Of Product Quality And Promotion & Reward Programs On Customer Loyalty Through Customer Satisfaction In Gold Savings Customers At BSI
This study aims to analyze the influence of product quality and promotion and reward programs on customer loyalty through customer satisfaction in gold savings customers at Bank Syariah Indonesia (BSI) using the Systematic Literature Review (SLR) approach combined with bibliometric analysis. This study examines scientific articles published in the 2020–2025 range from various reputable databases such as Scopus, ScienceDirect, and Google Scholar. The literature selection process is carried out using the PRISMA method to ensure the quality and relevance of articles. A total of 75 selected articles were analyzed to identify patterns of relationships between variables, research trends, and existing research gaps. The results of the study show that product quality has a significant influence on customer satisfaction, especially through the aspects of security, transparency, and ease of access to gold savings products. In addition, promotional and reward programs have been proven to increase the perception of customer value which has a positive impact on satisfaction and loyalty. Bibliometric analysis reveals an increase in research trends related to customer loyalty in the Islamic banking sector, with a primary focus on digitizing customer services and experience. These findings strengthen the role of customer satisfaction as a crucial mediating variable in building customer loyalty. This research provides theoretical implications in the development of customer loyalty models in the Islamic financial sector as well as practical implications for BSI in designing marketing strategies and improving the quality of gold savings services.
Copyright (c) 2026 Ayu Sukma Arsy Diana, Budi Eko Soetjipto, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
The Influence of Accounting Information System Quality, User Trust, and Service Quality on The Decision To Use The Ovo Application in Surabaya
The expansion of digital financial services has contributed to the increasing adoption of digital wallet applications such as OVO in community transaction activities. In this context, the decision to use an application is determined not simply through system-related technical aspects, alongside psychological and operational considerations. This research focuses on examining the influence of the accounting information system quality, user trust, and service quality on the decision to use the OVO application in Surabaya City. Primary data were used in this study, which employed a quantitative approach. Purposive sampling was applied to obtain 100 respondents. The data were gathered through online questionnaires distributed via Google Forms to OVO users in Surabaya City and then analyzed using SPSS Statistics 26. This study involved respondents who were users of the OVO e-wallet in Surabaya City. The results demonstrate that the quality of the accounting information system, user trust, and service quality contribute positively to the decision to use the OVO application in Surabaya City. The use decision regarding the OVO application in Surabaya City is driven by the interplay of sound system quality, strong user trust, and sufficient service quality.
Copyright (c) 2026 Rizqi Setyo Laksono https://creativecommons.org/licenses/by-sa/4.0
The Effect Of K3 On Employee Productivity Through Company Commitment And Culture: Systematic Literature Review (SLR) With Bibliometrics
This study aims to systematically analyze the influence of Occupational Safety and Health (K3) on employee productivity through organizational commitment and company culture using the Systematic Literature Review (SLR) approach. K3 has a strategic role in creating a safe and healthy work environment, which not only contributes to reducing the number of occupational accidents and occupational diseases, but also has implications for improving employee performance and productivity. However, the relationship between K3 and productivity is not always direct, but rather influenced by psychological and organizational factors, especially organizational commitment and company culture. This study uses the SLR method with PRISMA steps. Articles filtered from the Scopus journal database with the topic The study process is carried out systematically through the stages of identification, screening, feasibility assessment, and determination of final articles in accordance with the inclusion and exclusion criteria that have been set. The results of the study show that the effective implementation of K3 has a positive effect on employee productivity both directly and indirectly. Organizational commitment acts as a mediator that strengthens these relationships through increased employee loyalty, attachment, and responsibility, while a company culture that supports safety values strengthens collective norms and performance orientation in Indonesia published between 2021 and 2026 in a total of 5,863 articles. After elimination according to the criteria, only 41 articles were considered and extracted. These findings confirm that K3 is not only seen as a regulatory obligation, but as a strategic instrument in human resource management to improve the sustainability and competitiveness of the organization. Theoretically, this study integrates the concepts of K3, organizational commitment, company culture, and productivity in a comprehensive conceptual framework, and practically provides managerial implications in strengthening performance based on work safety.
Copyright (c) 2026 Farika Nursasi, Budi Eko Soetjipto, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
Linking Product Quality to Electric Vehicle Purchase Decision: The Mediating Role of Brand Image in Makassar
The purpose of this study is to examine how product quality influences consumers' decisions to buy electric cars in Makassar City, using brand image as a mediating factor. The swift expansion of electric vehicle adoption necessitates a comprehensive understanding of the factors influencing customer purchasing behavior in this nascent sector. A quantitative methodology utilizing an explanatory study design was implemented to examine the causal links among the variables. The population comprised consumers who had acquired or utilized electric vehicles in Makassar City, while the precise population size remained unspecified. A purposeful non-probability sampling strategy was employed, resulting in 105 respondents who completed a structured online questionnaire sent using Google Forms. The data were analyzed utilizing SEM-PLS with SmartPLS to investigate both direct and indirect effects among the constructs. The findings demonstrate that product quality positively and significantly impacts purchase decisions, product quality positively and significantly influences brand image, and brand image positively and significantly affects purchase decisions. Additionally, brand image serves as a partial mediator in the correlation between product quality and purchasing decisions. The findings indicate that superior product quality in electric vehicles is more influential in influencing purchasing decisions when it concurrently cultivates a favorable brand image in consumers' perceptions, thus offering strategic insights for manufacturers and distributors in formulating marketing strategies that enhance both product quality and brand image.
Copyright (c) 2026 Muhammad Ilham Wardhana Haeruddin https://creativecommons.org/licenses/by-sa/4.0
Financial Literacy, Lifestyle, And Parental Income On Financial Management Behavior With Self-Control As A Mediating Variable (Case Study of College Students in Malang City)
This study aims to analyze the influence of financial literacy, lifestyle, and parental income on financial management behavior, with self-control as an intervening variable among college students in Malang City. Using a quantitative explanatory research approach, data were collected through questionnaires from 160 respondents and analyzed using SEM-PLS. The results showed that financial literacy, lifestyle, and parental income had a positive and significant effect on financial management behavior. Furthermore, self-control also significantly influenced financial management behavior. However, self-control only mediated the relationship between parental income and financial management behavior, and was unable to mediate the influence of financial literacy and lifestyle. This indicates that college students' financial management behavior is more directly influenced by financial knowledge, lifestyle, and financial support from parents. This study implies that improving financial literacy and self-control needs to be strengthened to support better financial management.
Copyright (c) 2026 Nadia Rahma Farikha, Farahiyah Sartika https://creativecommons.org/licenses/by-sa/4.0
The Effect of Work Discipline, Compensation, and Work Environment on Employee Performance at PT. Pembangunan Teknik Konstruksi
This study aims to analyze the effect of work discipline, compensation, and work environment on employee performance at PT. Pembangunan Teknik Konstruksi. This research employs a quantitative approach using SPSS version 27 for data analysis. Data were collected through questionnaires, interviews, literature review, and documentation. The population in this study consisted of 103 employees, and the sampling technique used was saturated sampling, resulting in 103 respondents. The results of the study indicate that partially, work discipline has a positive and significant effect on employee performance, and compensation also has a positive and significant effect on employee performance. Meanwhile, the work environment does not have a significant effect on employee performance. Simultaneously, work discipline, compensation, and work environment have a significant effect on employee performance. The findings of this study reveal that work discipline and compensation are the dominant factors in improving employee performance, while the work environment is not the main factor in this research context. Therefore, the company is recommended to focus more on enhancing work discipline and providing fair and appropriate compensation to improve employee performance optimally
Copyright (c) 2026 Rusman Nopriady Rahman, Mulyana Mahcmud, Irmayanti Sudirman, Bakhtiar Tijjang, Safrida https://creativecommons.org/licenses/by-sa/4.0
The Effect of PJU Quality, Environmental Security, Infrastructure Accessibility On Income Through Digital Innovation of MSMes in Balikpapan
This study aims to analyze the effect of Public Street Lighting (PSL) Quality, Environmental Safety, and Infrastructure Accessibility on MSME Income through Digital Innovation in Balikpapan City. A quantitative approach with an explanatory research method was used on a sample of 100 MSME actors selected using purposive sampling. The data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results of the study prove that Digital Innovation plays a significant mediating role. The quality of PJU, Environmental Safety, and Infrastructure Accessibility have a positive and significant effect on Digital Innovation, which in turn directly increases MSME Income. These findings underscore that improvements in physical infrastructure and environmental safety create an ecosystem conducive to the adoption of digital technology by MSMEs, which is a major catalyst for improving their economic performance. The implications of this study suggest the need for integrated policies that combine the development of smart public infrastructure (smart street lighting) with digital literacy and access programs for MSMEs in order to promote inclusive and sustainable local economic growth
Copyright (c) 2026 Yusri, Etty Soesilowati, Hadi Sumarsono https://creativecommons.org/licenses/by-sa/4.0
What Drives Continuous Viewing of Short Form Drama? The Role of Viewing Motivation and Flow Experience
The rapid expansion of short-form video platforms has reshaped the way audiences engage with digital entertainment. Among these formats, short-form drama has emerged as a distinctive narrative genre characterized by episodic storytelling within brief viewing durations. Despite its increasing popularity, empirical research explaining the psychological mechanisms underlying Continuous Viewing Intention in short-form drama remains limited. This study investigates the influence of Viewing Motivation on Flow Experience and Continuous Viewing Intention. In this study, Viewing Motivation is conceptualized as a higher-order construct comprising Performance Expectancy, Social Influence, Hedonic Motivation, Habit, Substitute Expectancy, and Aesthetic Motivation. Data were collected through an online survey involving 140 respondents in Makassar who actively consume short-form drama content. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that Viewing Motivation significantly influences both Flow Experience and Continuous Viewing Intention. Furthermore, Flow Experience significantly affects Continuous Viewing Intention and mediates the relationship between Viewing Motivation and Continuous Viewing Intention. These findings underscore the importance of motivational drivers and immersive viewing experiences in fostering sustained engagement with short-form drama content
Copyright (c) 2026 Mufidatul Azmi, Muhaidir Ikram, Nidrah https://creativecommons.org/licenses/by-sa/4.0
The Effect of Trust, Income, and Life Style on Fashion Purchase Decisions Using Paylater Among Accounting Students at UPN “Veteran” East Java
This study aims to examine and analyze the effect of trust, income, and life style on fashion purchase decisions using paylater among Accounting students at UPN “Veteran” East Java. The background of this research is based on the rapid development of financial technology and e-commerce, which has influenced consumer behavior, particularly among university students, including their purchasing decisions for fashion products through paylater services. This phenomenon highlights the importance of understanding the factors that influence consumers’ decisions to use paylater services. This research employs a quantitative approach using primary data collected through a questionnaire distributed via Google Form. The sample consists of 72 respondents selected using a random sampling method. Data analysis was conducted using SPSS to test the relationships between variables. The results show that trust, income, and life style have a positive and significant effect on fashion purchase decisions using paylater. These findings are consistent with the Theory of Planned Behavior (TPB), which states that consumer behavior is influenced by attitudes, subjective norms, and perceived behavioral control.
Copyright (c) 2026 Nanda Evita Ramadhani, Sri Trisnaningsih, Sri Trisnaningsi https://creativecommons.org/licenses/by-sa/4.0
Mapping The Intellectual Structure of Service Quality and Customer Loyalty Research: A Global Bibliometric Study in The Banking Industry
This study aims to map the intellectual structure and global research trends regarding service quality and customer loyalty in the banking industry through a Systematic Literature Review (SLR) and bibliometric analysis. Research data were obtained from the Scopus database covering the period from 2018 to 2025 using the keywords service quality, customer loyalty, and banking industry. The literature selection process was conducted using the PRISMA protocol, resulting in 33 scientific articles that met the inclusion criteria for further analysis. Bibliometric analysis was performed using VOSviewer software to map author collaboration networks, keyword relationships, and the evolution of research themes. The research findings indicate that the concepts of service quality, customer satisfaction, and customer loyalty are core themes dominating the research literature in the banking sector. Additionally, the study highlights the emergence of new themes related to customer experience, digital services, corporate social responsibility, and customer relationship management, which enrich the understanding of customer loyalty formation. Bibliometric visualizations also indicate that research collaboration remains relatively limited and scattered across several small groups of authors, despite the research having been reviewed on a global scale. These findings confirm that research on service quality and customer loyalty in the banking industry continues to evolve toward a more multidimensional approach in tandem with the ongoing digital transformation of services.
Copyright (c) 2026 Yanik Febriyani, Budi Eko Soetjipto, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
Accounting Standards and Financial Transparency for Public Accountability in Indonesia
This study examines the role of accounting standards and financial transparency in strengthening public accountability in Indonesia. Using a descriptive-comparative literature review, this study analyzes six selected journal articles published by Indonesian universities that discuss the implementation of accounting standards, financial reporting quality, accessibility of financial information, accounting information systems, and fraud prevention. The findings reveal that the implementation of accounting standards, including SAK ETAP and PSAK 112, contributes to improving the consistency and reliability of financial reporting. However, differences in reporting capacity, limited accessibility of financial statements, and weaknesses in information systems remain key challenges to achieving transparent and accountable financial governance. The study also highlights the relevance of fraud detection perspectives, particularly the fraud triangle theory, in supporting accountability through early identification of financial reporting risks. These findings indicate that public accountability in Indonesia requires not only compliance with accounting standards, but also stronger financial transparency, accessible reporting, reliable accounting information systems, and improved institutional capacity. The study contributes by positioning accounting standards and financial transparency as an integrated framework for enhancing public accountability in both public and private sector contexts in Indonesia.
Copyright (c) 2026 Masnawaty Sangkala https://creativecommons.org/licenses/by-sa/4.0
The Effect Of Sales Promotion And Social Media Marketing On The Purchase Intention Of BSI Gold Products Through Perceived Value, Brand Awareness, Trust, And Customer Engagement As Mediation Variables
This study aims to analyze the influence of Sales Promotion and Social Media Marketing on the Purchase Intention of BSI Gold products by considering the mediating role of Perceived Value, Brand Awareness, Trust, and Customer Engagement in the Madiun Raya area. The method used is Systematic Literature Review (SLR) with a bibliometric approach to identify, categorize, and analyze the latest research trends related to factors influencing consumer purchasing decisions in the Islamic banking sector. The results of the analysis show that Sales Promotion and Social Media Marketing have a positive influence on Purchase Intention, either directly or indirectly through mediation variables. These findings underscore the importance of promotional strategies that are integrated with strengthening perceived value, building brand awareness, increasing trust, and managing customer interactions to drive consumer purchase decisions. This study provides theoretical and practical contributions to the development of marketing strategies for Islamic banking products, while offering further research directions using bibliometric methods to explore the relationship between digital marketing variables.
Copyright (c) 2026 Nasihiyah Purwaning Wulan, Budi Eko Soetjipto, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
Fundamental Analysis for Strategic Performance Evaluation in Indofood and Mayora
This study aims to analyze and compare the financial performance of PT Indofood CBP Sukses Makmur Tbk (ICBP) and PT Mayora Indah Tbk (MYOR), two leading companies in the food and beverage subsector listed on the Indonesia Stock Exchange. This research employs a quantitative approach with a descriptive comparative method through financial ratio analysis, including Earnings Per Share (EPS), Price Earnings Ratio (PER), Price to Book Value (PBV), Return on Equity (ROE), Debt to Equity Ratio (DER), and Dividend Yield (DY) for the 2019–2023 period. The study uses secondary data obtained from annual financial reports and the official website of the Indonesia Stock Exchange. The results indicate that PT Indofood CBP demonstrates more stable and efficient financial performance than PT Mayora Indah, particularly in profitability and capital efficiency ratios. Meanwhile, PT Mayora Indah shows promising growth potential but tends to experience fluctuations due to high operating costs and aggressive expansion strategies. The managerial implication emphasizes the importance of balancing operational efficiency and growth strategies to enhance corporate value and long-term investment attractiveness.
Copyright (c) 2026 A. Reski Almaida Dg Macenning, Rahmat Burhamzah https://creativecommons.org/licenses/by-sa/4.0
The Role of Human Capital in Increasing Productivity and Growth of MSMEs: A Systematic Literature Review
Micro, Small, and Medium Enterprises (MSMEs) have a very strategic role in the global economy as the backbone of the economy that contributes significantly to economic growth, improving the quality of human capital is a key factor in encouraging productivity and economic growth, including in the MSME sector. This research aims to identify, evaluate, and systematically synthesize empirical and conceptual findings related to the role of human capital in increasing the productivity and growth of MSMEs. This study examines the role of human capital in increasing productivity and growth for MSMEs using the Systematic Literature Review (SLR) approach. A total of 30 indexed and peer-reviewed scientific articles published in the period 2020 to 2026 were systematically analyzed by following the PRISMA guidelines. This study focuses on four main human capital instruments, namely Resource Based View, Dynamic Capability, and Value Co-Creation as fundamental elements in increasing productivity and growth for MSMEs. The results of the synthesis show that most of the studies identified a positive relationship around 80% of the studies analyzed identified a positive relationship between the application of human capital in increasing productivity and growth of MSMEs, both directly and through the role of mediation and moderation variables. However, not all studies show consistent results. The other 20% of articles showed non-positive results, which included insignificant, conditional, mixed, or negative findings
Copyright (c) 2026 M.Ridho Saputra, Nurfitriana, Tedi Purnama, Immarotul Ummah, Relasari https://creativecommons.org/licenses/by-sa/4.0
The Effect Of Entrepreneurial Orientation, Innovation Capability, Market Orientation, And Networking Capability On Business Sustainability Of SMES
The current study addresses the impact of entrepreneurial orientation, innovation capability, market orientation, and networking capability on business sustainability in small and medium enterprises (SMEs). The contribution of SMEs to economic development is important; however, sustainability in these entities can be threatened by resource scarcity and rapidly changing environments in markets. The current study adopts a quantitative approach that entails data collection using a structured questionnaire targeting owners and managers in SMEs. The collected data were analyzed through statistical methods to analyze the relationship among study variables. The results of this study indicate that entrepreneurial orientation, innovation capability, market orientation, and networking capability are positive and influential factors in improving business sustainability in SMEs. Market orientation and innovation capability have higher influences on sustainability in SMEs than other factors since customer-centric approaches and innovation have playing crucial roles in ensuring sustainability in business operations for these entities. This study is an important addition to existing theories since this research adopts an integrated approach within strategic capabilities for improved adaptability and sustainability of SMEs in competitive markets
Copyright (c) 2026 Acep Fatchuroji, Candra Agus Wahyudhi, Mutiya Oktariani, Damayanti, Rawuh Yuda Yuwana https://creativecommons.org/licenses/by-sa/4.0
Indonesian Stock Market Reaction to the Escalation of the 2026 Iran Conflict: Evidence from an Event Study of Energy Sector Firms
This study examines the reaction of the Indonesian capital market to the escalation of the Iran conflict in 2026 using an event study approach focusing on energy sector firms listed on the Indonesia Stock Exchange. Market reactions are measured using Average Abnormal Return (AAR) and Trading Volume Activity (TVA). The observation period includes an 11-day event window (t−5 to t+5) and a 100-day estimation period. Statistical tests employed include the Shapiro–Wilk normality test, one-sample t-test, paired sample t-test, and Wilcoxon Signed Rank Test. The findings indicate that abnormal returns are only significant around the event date but do not differ significantly between pre- and post-event periods. In contrast, trading volume activity shows consistent and significant changes. These results suggest that geopolitical conflict information is more strongly reflected in trading behavior than in price adjustments. This study contributes to the literature by providing sector-specific evidence from an emerging market and highlighting behavioral market responses.
Copyright (c) 2026 Nidrah, Rika Kurniawati, Mufidatul Azmi https://creativecommons.org/licenses/by-sa/4.0
Internal and External Banking Determinants on Conventional Banking Profitability in Indonesia
This research aims to analyze the influence of internal and external bank factors which include Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), interest rates, inflation and economic growth on Return on Assets (ROA) in conventional banking in Indonesia. This research uses quantitative methods with a causality approach. The data used is secondary data obtained from bank financial reports and official publications related to the research period. The analysis technique used is panel data regression using model selection tests, classical assumption tests, and hypothesis tests. The research results show that all independent variables simultaneously influence ROA. Partially, NPL has a significant negative effect on ROA, while other variables such as CAR, LDR, interest rates, inflation and economic growth show varying effects on bank profitability. This research concludes that credit risk is the dominant factor influencing banking financial performance.
Copyright (c) 2026 Alisa Fatin Sabreena, Aris Soelistyo, Firdha Aksari Anindyntha https://creativecommons.org/licenses/by-sa/4.0
Cost Structure, Land Productivity, and Price Efficiency IN Shallot Farmers’ Income in Brebes
This study explored how cost structure, land productivity, and price efficiency shape the income of micro scale shallot farmers in Brebes Regency based on farmers' reported financial experiences and informants' financial narratives. Using an exploratory qualitative approach, data were collected from five shallot farmers, one agricultural extension officer, and one farmer group leader through semi-structured interviews, non-participant observation, and documentation. The data were analyzed through thematic analysis supported by source and technique triangulation. The findings show that reported income is highly vulnerable to variable production costs, particularly labor, seed, and pesticides. Land productivity is closely related to land ownership status and farming scale, while price efficiency is constrained by farmers' weak bargaining position and dependence on intermediaries. Farmers apply adaptive strategies such as delaying sales, drying harvested shallots, and converting part of the harvest into seed stock. However, these strategies are limited by liquidity needs, storage capacity, product quality, and market uncertainty. The study concludes that improving farmers' income stability requires integrated cost control, asset productivity, price information access, post-harvest support, and stronger farmer institutions.
Copyright (c) 2026 Eva Hazizah, Krisdiana, Agustina https://creativecommons.org/licenses/by-sa/4.0
ESG Branding Strategies in B2B And B2C Markets: Evidence From Emerging Economies
Environmental, Social, and Governance (ESG) branding has become increasingly important in strengthening stakeholder relationships and corporate legitimacy, particularly in emerging economies characterized by institutional uncertainty and diverse stakeholder expectations. However, limited studies have comparatively examined how ESG branding and communication strategies differ between business-to-business (B2B) and business-to-consumer (B2C) firms and how these differences affect relationship outcomes. This study aims to analyze the distinctions between B2B and B2C ESG communication strategies in emerging economies and their implications for stakeholder trust, loyalty, and long-term business relationships. This study employed a systematic literature review approach using evidence retrieved from the Elicit database integrating Semantic Scholar and OpenAlex sources. From an initial pool of 1,000 studies, 10 empirical articles published between 2020 and 2026 met the inclusion criteria and were analyzed using thematic synthesis. The findings reveal that B2B ESG strategies primarily emphasize governance structures, third-party ESG ratings, and verifiable sustainability metrics to strengthen interorganizational trust and reduce relational risk. In contrast, B2C ESG strategies rely more heavily on emotional storytelling, sustainability narratives, influencer engagement, and digital interaction mechanisms that enhance consumer identification, brand credibility, and loyalty. The study further demonstrates that ESG pillar salience is strongly shaped by institutional and cultural contexts rather than business model orientation alone. This study contributes to ESG and relationship marketing literature by developing a comparative framework explaining how ESG communication strategies shape stakeholder relationships across B2B and B2C environments in emerging economies.
Copyright (c) 2026 M. Ikhwan Maulana Haeruddin https://creativecommons.org/licenses/by-sa/4.0
Mapping the Role of Social Media Marketing in Purchase Decisions through Brand Trust: A Systematic Review and Bibliometric Analysis
The rapid development of digital technologies has significantly transformed marketing practices and consumer behavior. In recent years, digital marketing, particularly through social media platforms, has become an essential strategy for firms to enhance consumer engagement and influence purchase decisions. Despite the growing body of literature, the relationships among social media marketing, brand trust, customer preference, and purchase decision remain fragmented across previous studies. Therefore, this study aims to provide a comprehensive overview of the research landscape and identify emerging trends in this field. This study employs a Systematic Literature Review (SLR) combined with bibliometric analysis to examine publications related to social media marketing, brand trust, customer preference, and purchase decision. Data were collected from the Scopus database covering the period from 2021 to 2026. Bibliometric mapping and keyword co-occurrence analysis were conducted using VOSviewer to identify research clusters, thematic structures, and the evolution of research topics. The findings reveal a significant increase in publications on social media marketing and consumer behavior, indicating growing academic interest in this domain. The bibliometric analysis shows that social media marketing acts as a central theme connecting key variables such as brand trust, customer preference, and purchase intention/decision. Furthermore, overlay visualization indicates that emerging research topics include consumer engagement, influencer marketing, electronic word-of-mouth (e-WOM), and perceived value, reflecting a shift toward a more integrated and experiential understanding of consumer behavior in digital environments. This study contributes to the literature by mapping the intellectual structure and research evolution in the social media marketing domain and highlighting potential directions for future research. The findings also provide insights for researchers and practitioners in developing more effective and trust-oriented digital marketing strategies to influence consumer purchase decisions
Copyright (c) 2026 Titisari Ambarwati, Budi Eko Soetjipto, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
Mapping the Literature on Digital Marketing, Brand Image, Perceived Value, and Purchase Intention: A Bibliometric and Systematic Review
consumer behavior. In recent years, digital marketing particularly through social media platforms has become an essential strategy for firms to enhance consumer engagement and influence purchasing decisions. Despite the growing body of literature on this topic, the relationships among digital marketing, brand image, perceived value, and purchase intention remain fragmented across previous studies. Therefore, this study aims to provide a comprehensive overview of the research landscape and identify emerging trends in this field. This study employs a Systematic Literature Review (SLR) combined with bibliometric analysis to examine publications related to digital marketing, brand image, perceived value, and purchase intention. Data were collected from the Scopus database covering the period from 2021 to 2026. Bibliometric mapping and keyword co-occurrence analysis were conducted using VOSviewer to identify research clusters, thematic structures, and the evolution of research topics. The findings reveal a significant increase in publications on digital marketing and consumer behavior in recent years, indicating growing academic interest in this field. The bibliometric analysis shows that social media marketing acts as a central theme connecting several key concepts such as brand image, perceived value, and purchase intention. Furthermore, overlay visualization indicates that emerging research topics include perceived value, consumer engagement, customization, and brand awareness, reflecting a shift toward a more holistic understanding of consumer experience in digital environments. This study contributes to the literature by mapping the intellectual structure and research evolution in the digital marketing domain and highlighting potential research directions for future studies. The findings also provide insights for researchers and practitioners in developing more integrated marketing strategies that enhance brand perception and perceived value to influence consumer purchase intention.
Copyright (c) 2026 Diana Dwi Kusumasari, Budi Eko Soetjipto, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
Determinants Of Financial Distress In The Coal Industry With Corporate Governance As A Moderation
This study examines the effects of financial performance, sales growth, and corporate governance on financial distress, as well as the moderating role of corporate governance in the coal industry in Indonesia. The population consists of 33 coal companies listed on the Indonesia Stock Exchange (IDX), with 21 companies selected using purposive sampling. The study uses secondary data with 105 observations from 2019–2023. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.0. The results show that financial performance and corporate governance significantly affect financial distress, while sales growth has no significant effect. In addition, corporate governance does not moderate the relationship between financial performance and financial distress, nor between sales growth and financial distress. These findings highlight the importance of financial management and governance mechanisms in mitigating financial distress risk in the coal industry.
Copyright (c) 2026 Anissa Indaranti Adhiningrum, Dwi Prastowo Darminto, Rafrini Amyulianthy https://creativecommons.org/licenses/by-sa/4.0
The Effect of Job Satisfaction, Employee Loyalty, and Work Commitment on Employee Performance at PT Sulsel Citra Indonesia (Perseroda)
This study aims to analyze the simultaneous and partial effects of job satisfaction, employee loyalty, and work commitment on employee performance at PT Sulsel Citra Indonesia (Perseroda). This research adopts an associative quantitative approach. Data were collected through structured questionnaires distributed to 54 respondents drawn from a population of 114 permanent employees using simple random sampling. Multiple linear regression analysis was conducted using SPSS version 26. The finding that The F-test result (Fcount = 60.515 > Ftable = 2.196; sig. = 0.000) confirms that all three variables simultaneously exert a positive and significant effect on employee performance. Partially, job satisfaction (t = 3.485; sig. = 0.001) and work commitment (t = 11.685; sig. = 0.000) each have a positive and significant effect on employee performance, while employee loyalty (t = -3.080; sig. = 0.003) shows a negative and significant effect. The adjusted R² of 0.771 indicates that 77.1% of the variance in employee performance is explained by the three predictors. Work commitment emerged as the dominant predictor of employee performance, followed by job satisfaction. The negative effect of employee loyalty suggests that loyalty alone does not directly translate into higher performance unless it is accompanied by adequate motivation, job satisfaction, and organizational support. These findings are consistent with previous empirical studies conducted in the plantation and service sectors
Copyright (c) 2026 Jusri Jusri, Hasnidar Hasnidar https://creativecommons.org/licenses/by-sa/4.0
The Research Evolution of Financial Performance, Customer Trust, and Customer Loyalty in Sharia Banking Sector: a Bibliometric Analysis
The transformation of the Islamic banking industry requires the integration of financial performance, customer trust, and customer loyalty as the foundation for institutional sustainability. This study aims to map the intellectual evolution of this field of study and identify dominant themes, development trends, and opportunities for research gaps in the international literature. The method employed is a bibliometric analysis based on a Systematic Literature Review (SLR) using the PRISMA procedure on Scopus articles from 2018 to 2025. From a selection process of 2,009 documents, the study identified 37 articles meeting the inclusion criteria, which were then analyzed using co-authorship, co-occurrence, network, overlay, and density visualizations. The results indicate that the themes of customer loyalty, service quality, customer satisfaction, and customer trust form the core of the intellectual structure with the highest connectivity, while the themes of financial performance, digital trust, banking mergers, and Sharia banking mergers remain in low-density areas, signaling opportunities for research development. The novelty map also reveals a shift in focus from traditional loyalty models toward digital banking, customer experience, and e-CRM. The novelty of this study lies in its proposal of a new research agenda model that integrates financial performance–customer trust–customer loyalty within the context of digital transformation and the consolidation of Sharia banks. Thus, it is hoped that this study can provide a conceptual foundation for future cross-national empirical research
Copyright (c) 2026 Bachtiar Wijaya, Budi Eko Soetjipto, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
Integrating Local Wisdom into Digital Governance: A Qualitative Study of A'Bulo Sibatang and Digital Collaboration Behavior among Civil Servants in Jeneponto Regency
Digital transformation has become a strategic priority for local governments in improving public service quality, transparency, and administrative efficiency. However, the success of digital governance depends not only on technological infrastructure but also on the ability of civil servants to collaborate effectively across organizational boundaries. This study aims to explore the role of A'Bulo Sibatang local wisdom in fostering Digital Collaboration Behavior among civil servants in Jeneponto Regency. A qualitative case study approach was employed using in-depth interviews, observations, and document analysis involving government officials, civil servants, cultural leaders, and academics selected through purposive sampling. Data were analyzed using thematic analysis through data reduction, data display, and conclusion drawing. The findings indicate that the values of solidarity, mutual support, collective responsibility, and integrity embedded in A'Bulo Sibatang serve as important social capital that encourages knowledge sharing, interdepartmental coordination, and collaborative problem-solving in digital work environments. These cultural values strengthen trust and cooperation among civil servants and contribute to more effective digital governance practices. The study concludes that integrating local wisdom into organizational culture can support sustainable digital transformation and enhance collaborative performance within local government institutions.
Copyright (c) 2026 Khaidir Syahrul, Annisa Paramaswary Aslam, Nurul Fadilah Aswar, Rahmat Riwayat Abadi https://creativecommons.org/licenses/by-sa/4.0
The Role of Competition Law in Regulating Corporate Conduct, Protecting Consumers and Enhancing Economic Efficiency
This study aims to examine the role of competition law in regulating corporate conduct, protecting consumers, and enhancing economic efficiency in contemporary market economies. Amid increasing market concentration, digital platform dominance, and the emergence of data-driven business models, competition law has become an essential regulatory instrument for ensuring fair competition, safeguarding consumer interests, and promoting sustainable economic development. This study employs a Systematic Literature Review (SLR) based on the PRISMA 2020 framework. Relevant literature was systematically collected from six major academic databases, namely Scopus, Web of Science, ScienceDirect, SpringerLink, Emerald Insight, and Taylor & Francis Online. The review process included identification, screening, eligibility assessment, and inclusion stages. A total of 78 peer-reviewed articles published between 2015 and 2025 were selected and analyzed using thematic synthesis techniques. The findings reveal that competition law performs four interconnected functions. First, it serves as a regulatory mechanism that shapes corporate behavior and prevents anticompetitive practices, including monopolization, cartel agreements, price-fixing, and abuse of dominant positions. Second, competition law enhances consumer welfare by promoting competitive prices, product quality, innovation, and consumer choice. Third, effective competition policy contributes to allocative, productive, and dynamic efficiency, thereby supporting long-term economic growth. Fourth, digital markets introduce new challenges associated with data concentration, platform dominance, network effects, and algorithmic pricing, requiring adaptive regulatory frameworks and strengthened institutional capacity.This study contributes to the literature by integrating Economic Efficiency Theory, Consumer Welfare Theory, Competition Policy Theory, and Regulatory Governance Theory into a comprehensive analytical framework that explains the relationship between competition law, corporate conduct regulation, consumer protection, and economic efficiency.The findings provide policy recommendations for competition authorities and governments, particularly in developing economies, regarding digital competition governance, institutional strengthening, cross-border enforcement cooperation, and data-driven market regulation.Unlike previous studies that focus on isolated dimensions of competition law, this research offers a holistic synthesis of legal, economic, consumer welfare, and governance perspectives. It further highlights how competition law can address emerging challenges in the digital economy while simultaneously promoting consumer protection and economic efficiency.
Copyright (c) 2026 Muhammad Bahrudin, Anang Prabowo, Agus Eko Sujianto https://creativecommons.org/licenses/by-sa/4.0
Analysis of Taxpayer Compliance Levels in The Payment of Motor Vehicle Tax (PKB) at The Samsat Office of Bantaeng Regency
This study aims to analyze the level of taxpayer compliance in paying Motor Vehicle Tax at the Samsat Office of Bantaeng Regency. The research uses a descriptive quantitative and qualitative approach with data collection techniques through documentation, interviews, and observation. Quantitative analysis is carried out by measuring the formal compliance ratio based on the number of taxpayers who pay on time compared to the number of registered taxpayers, while qualitative analysis is conducted through indicators of awareness, compliance with due dates, compliance with regulations, willingness to pay, and views on Samsat services. The results of the study indicate that the level of taxpayer compliance is relatively high, but it shows a tendency to decrease from year to year. The decrease is influenced by the increasing number of registered vehicles that is not matched by an increase in awareness, the economic factors of the community, and delays in payment due to other priority needs. Service innovations such as mobile services and digital convenience contribute positively, but have not fully encouraged optimal compliance. This study confirms that improving compliance requires continuous education strategies, strengthening public services, and consistent supervision
Copyright (c) 2026 Natasya, M.Ridwan Tikollah, Mukhammad Idrus https://creativecommons.org/licenses/by-sa/4.0
Analysis of the Effectiveness of Swallow Nest Tax in Increasing Regional Original Revenue in Luwu Regency
This study discusses the effectiveness of the Swallow Nest Tax in increasing Regional Original Revenue (PAD) in Luwu Regency. The research problem focuses on the low realization of tax revenue compared to the set target and the suboptimal contribution of the swallow nest tax to PAD. The objective of this study is to analyze the level of effectiveness of the swallow nest tax and the factors influencing it. This research uses a descriptive qualitative approach with data collection techniques through interviews and documentation. Data analysis was conducted using an elasticity ratio approach and an interactive analysis model. The results show that the swallow nest tax has not been effective in increasing PAD, with an average elasticity value of -0.03% (inelastic) during the 2022–2024 period. The realization of tax revenue is still far below the established target. This condition is influenced by low taxpayer awareness, suboptimal business reporting, limited supervision, and unstable harvest yields. As a result, the tax effectiveness remains low and has not provided a significant contribution to PAD.
Copyright (c) 2026 Dinda Eka Wulandari, Nur Afiah, Nuraisyiah https://creativecommons.org/licenses/by-sa/4.0
Analysis of Regional Fixed Asset Management at the Regional Finance and Asset Agency (BKAD) of South Sulawesi Province
This study aims to analyze the compliance of regional fixed asset management at the Regional Finance and Asset Agency of South Sulawesi Province with the provisions of Minister of Home Affairs Regulation No. 19 of 2016, with a focus on motorized two-wheeled vehicles. The research method used is qualitative descriptive, with data collection techniques involving interviews and documentation. The data used consists of primary data from the interviews as well as secondary data in the form of asset management documents and related reports. The results of the study indicate that asset management has generally been carried out in accordance with applicable regulations and covers all stages of management. However, there are still challenges regarding supervision, reporting, and asset user compliance, as well as relatively complex administrative procedures. Therefore, it is necessary to optimize controls and streamline procedures to improve accountability in asset management
Copyright (c) 2026 Nurhalisa Rahmat, Nur Afiah, Masdar Ryketeng https://creativecommons.org/licenses/by-sa/4.0
Symbolic Meaning and Cultural Value in the Mappanre Temme Tradition in the Bugis-Makassar Community
Indonesia is known as a country rich in local culture and traditions that are passed down from generation to generation. One of the traditions that is still preserved by the Bugis-Makassar people is Mappanre Temme, which is a procession of Qur'an khatam which is an important part of the traditional wedding series. This research aims to examine the symbolic meaning and cultural values in the Mappanre Temme tradition and its relevance in the life of modern society. The method used is a literature study with a qualitative descriptive approach. The results of the study show that this tradition contains religious, educational, social, and moral values. Apart from being a symbol of the spiritual readiness of the bride-to-be, this tradition is also a medium for the preservation of Islamic values and local culture. However, modernization also affects the meaning of this tradition, so sustainable preservation efforts are needed.
Copyright (c) 2026 Kartika Septiary Pratiwi Musa, Darwis Said, Alimuddin https://creativecommons.org/licenses/by-sa/4.0
The Effect of Inflation, Interest Rates, and Exchange Rates on Stock Returns With The Composite Stock Price Index (IHSG) as an Intervening Variable in Indonesia 2016–2025
This study examines the effect of inflation, interest rates (BI7DRR), and exchange rates (USD/IDR) on stock returns of PT Telkom Indonesia (Persero) Tbk., with the Jakarta Composite Index (IHSG) as an intervening variable. Using a quantitative explanatory research design, monthly secondary data spanning January 2016 to December 2025 (120 observations) were analysed using Pearson correlation and two-stage path analysis (OLS regression). Results indicate that inflation and exchange rates significantly influence IHSG, while the BI Rate does not. However, neither macroeconomic variables nor IHSG significantly affect Telkom's stock returns either directly or indirectly. The model explains only 2.7% of the variation in stock returns, suggesting that company-specific and sectoral factors dominate return determination. These findings imply that IHSG does not serve as an effective mediating channel between macroeconomic conditions and individual stock returns for Telkom. Investors in the telecommunications sector should prioritise fundamental and sectoral analysis over macroeconomic indicators when making portfolio decisions
Copyright (c) 2026 Anwar Ramli, Indah Lestari Anwar https://creativecommons.org/licenses/by-sa/4.0
Does Dividend Stability Signal Firm Performance? Evidence from PT Telkom Indonesia (Persero) Tbk
This study analyzes the dividend policy of PT Telkom Indonesia (Persero) Tbk (TLKM) during the 2020–2025 period using a quantitative descriptive approach and a longitudinal case study based on secondary data from audited financial reports. The variables analyzed include Dividend Per Share (DPS), Earnings Per Share (EPS), Dividend Payout Ratio (DPR), Dividend Yield, and Free Cash Flow (FCF), with trend analysis using the Compound Annual Growth Rate (CAGR). The results show that DPS grows 6.05% per year, higher than EPS of 1.87%, resulting in DPR increasing from 80.00% to 93.95% in 2024. Nevertheless, strong and stable operating cash flow ensures that dividends remain supported by FCF, so there is no indication of financial distress. However, the increasing FCF-to-dividend ratio indicates the company's increasingly limited reinvestment space. The decline in net profit of 20.48% in 2025 also increases the risk of dividend policy sustainability. Furthermore, the increase in dividend yield was more influenced by stock price declines than dividend growth. This finding suggests that SOE dividend stability reflects not only fundamental performance but also institutional pressure from the government as the controlling shareholder, supporting the relevance of Agency Theory and Catering Theory in explaining dividend policy of state-owned enterprises in emerging markets
Copyright (c) 2026 Indah Lestari Anwar, Anwar Ramli https://creativecommons.org/licenses/by-sa/4.0
The Role of Customer Satisfaction in Mediating the Influence of Product Quality on Generation Z Consumer Loyalty in Kopi Kenangan in Makassar City
The Influence of Product Quality on Customer Loyalty with Customer Satisfaction as a Mediating Variable in Gen Z Consumers of Kopi Kenangan in Makassar City. Thesis, Management Study Program, Faculty of Economics and Business, Makassar State University. Guided by Mr. Anwar and Mr. Muhammad Ichwan Musa. This study aims to determine the influence of product quality on customer loyalty with customer satisfaction as a mediating variable in Generation Z consumers of Kopi Kenangan in Makassar City. The focus of this research is to analyze how product quality can increase customer satisfaction and shape customer loyalty. This type of research uses a quantitative approach with explanatory associatives. Data was collected through a questionnaire to 110 respondents who are Gen Z consumers of Kopi Kenangan in Makassar City. The data analysis technique uses Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of the SmartPLS application version 4.0.9.9. to test relationships between variables. The results of the study show that product quality has a positive and significant effect on customer satisfaction and customer loyalty. Customer satisfaction also has a positive and significant effect on customer loyalty and acts as a mediating variable in the relationship between product quality and customer loyalty. These findings show that good product quality can increase satisfaction and strengthen the loyalty of Kopi Kenangan customers in Makassar City.
Copyright (c) 2026 Nurman https://creativecommons.org/licenses/by-sa/4.0
The Effect of Financial Literacy and Lifestyle on Financial Management Behavior with Self-Efficacy as a Mediation Variable
This study aims to analyze the influence of financial literacy and lifestyle on financial management behavior, with self-efficacy as a mediating variable among young workers in Tuban Regency. This study employed a quantitative approach involving 160 respondents, and the data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) through SmartPLS 3. The results indicate that financial literacy, lifestyle, and self-efficacy have significant effects on financial management behavior. Financial literacy also significantly influences self-efficacy, while lifestyle does not have a significant effect on self-efficacy. Furthermore, self-efficacy is proven to mediate the relationship between financial literacy and financial management behavior, but it does not mediate the relationship between lifestyle and financial management behavior
Copyright (c) 2026 Rifa Fatra Yahya Masruroh, Farahiyah Sartika https://creativecommons.org/licenses/by-sa/4.0
The Role of Tax Literacy in The 12% Vat Rate and Lifestyle on Purchasing Decisions
This study examines the effects of the VAT rate increase and lifestyle on purchasing decisions among consumers in the Malang area, with tax literacy as a moderating variable. An explanatory quantitative design was applied using PLS-SEM (SmartPLS 4.0) with 81 respondents selected through purposive sampling. The results indicate that VAT rate increase (β = 0.537; p = 0.000) and lifestyle (β = 0.285; p = 0.024) each have a significant positive effect on purchasing decisions. Tax literacy does not directly affect purchasing decisions (β = 0.066; p = 0.465), but functions as a significant moderator: it strengthens the effect of the VAT rate increase (β = 0.309; p = 0.037) while weakening the effect of lifestyle (β = −0.337; p = 0.031). These findings suggest that tax literacy may shift the basis of consumer decision-making toward a more rational-fiscal orientation, offering preliminary evidence for the value of tax education programs that address everyday consumption contexts
Copyright (c) 2026 Enggar Nursasi, Siti Munfaqiroh https://creativecommons.org/licenses/by-sa/4.0
The Influence of Price and Social Media Marketing on The Decision to Use Grabfood in Pontianak City
This study aims to analyze the influence of Price and Social Media Marketing on the Decision to Use GrabFood in Pontianak City. This study employed an associative quantitative approach. The sample consisted of 100 respondents who were residents of Pontianak City, owned the Grab application, and had used GrabFood services. The main data were collected through questionnaires using a 5-point Likert scale, while observation, interviews, and secondary data were used as supporting data. The data were analyzed using multiple linear regression, supported by validity tests, reliability tests, classical assumption tests, correlation coefficient analysis, coefficient of determination, and hypothesis testing through t-tests and F-tests. The results show that all research instruments were valid and reliable. Partially, Price has a positive and significant effect on the Decision to Use, with a t-value of 4.069 and a significance value of 0.000. Social Media Marketing also has a positive and significant effect on the Decision to Use, with a t-value of 3.946 and a significance value of 0.000. Simultaneously, Price and Social Media Marketing have a significant effect on the Decision to Use, with an F-value of 28.950 and a significance value of 0.000. The coefficient of determination (R²) of 0.374 indicates that 37.4% of the Decision to Use GrabFood can be explained by Price and Social Media Marketing, while the remaining 62.6% is influenced by other factors outside this study.
Copyright (c) 2026 Muhammad Gilang Pradana, Helman Fachri https://creativecommons.org/licenses/by-sa/4.0
Newsroom Convergence and Local Media Economic Sustainability Strategy
This study aims to analyze newsroom convergence processes and newsroom models implemented by Tribun Pekanbaru and Riau Pos, while also examining how newsroom convergence is utilized as an economic strategy to maintain the sustainability of local media businesses amid digital disruption. The research employed a qualitative descriptive approach through in-depth interviews, observation, and documentation studies involving newsroom managers, editors, and journalists from both media organizations. The findings indicate that Tribun Pekanbaru and Riau Pos have adopted different newsroom convergence strategies. Tribun Pekanbaru has implemented an integrated newsroom model that combines Cross Media Newsroom and Integrated Media Newsroom approaches, emphasizing digital-first production and multi-platform content distribution. Meanwhile, Riau Pos continues to maintain a separated newsroom model between print and digital divisions, reflecting a gradual adaptation process toward digital transformation. The study further reveals that these differences are influenced not only by technological factors and organizational culture but also by economic considerations. Tribun Pekanbaru develops an integrated newsroom to improve production efficiency and expand digital content monetization, while Riau Pos maintains separated newsrooms because print media remains a significant source of company revenue. This study concludes that newsroom convergence has evolved beyond a technological transformation into an economic adaptation strategy for local media organizations. The findings suggest that newsroom convergence enables media companies to improve operational efficiency, broaden audience reach, optimize resource utilization, and strengthen business sustainability in an increasingly competitive digital environment.
Copyright (c) 2026 Rinal Sagita, Belli Nasution, Muhammad Firdaus https://creativecommons.org/licenses/by-sa/4.0
The Effect of Product Placement and Brand Awareness on Purchase Intention With Brand Image As a Moderating Variable
This study aims to analyze the influence of product placement and brand awareness on purchase intention, with brand image as a moderating variable among Korean drama viewers in Malang City. This study uses a quantitative approach with an associative research type. The sampling technique used purposive sampling with a total of 140 respondents who have watched Korean dramas and seen Kopiko products in Korean dramas. Data collection was conducted through an online questionnaire using a five-point Likert scale, while data analysis used the Structural Equation Modeling (SEM) method based on Partial Least Square (PLS) with the help of SmartPLS. The results show that product placement and brand awareness have a positive and significant effect on purchase intention. In addition, brand image is able to moderate the relationship between product placement and purchase intention, but is unable to moderate the relationship between brand awareness and purchase intention. The results of this study indicate that Kopiko product placement in Korean dramas and high brand awareness can increase consumer purchasing interest. This study is expected to be a reference for companies in developing marketing strategies through entertainment media and building a positive brand image to increase consumer purchase intention.
Copyright (c) 2026 Willma Petir Nuraulia, Nur Asnawi https://creativecommons.org/licenses/by-sa/4.0
Examining The Effects of Islamic Ethical Values, Environmental Concern, and Social Norm on Green Halal Purchase Intention: The Mediating Role of Consumer Trust
The convergence between sustainability and halal consumption practices has led to a surge of interest in identifying variables influencing consumer behavior towards purchasing eco-friendly and sustainable halal goods. This paper examines the effects of Islamic ethics, environmental consciousness, and social norms on the purchase intention of eco-friendly and sustainable halal products, considering the moderating role of consumer trust. Four hundred and twelve participants among Muslims participated in the study, and their data were analyzed using partial least squares structural equation modeling. The proposed model had good explanatory power as it was able to explain 68.4% and 59.7% of the variances in green halal purchase intention (R² = 0.684) and consumer trust (R² = 0.597), respectively. Results of this study indicate that Islamic ethics (β = 0.31, p < 0.001), environmental consciousness (β = 0.27, p < 0.001), and social norms (β = 0.22, p < 0.01) positively influenced consumer trust. Moreover, consumer trust significantly and positively impacted green halal purchase intention (β = 0.45, p < 0.001). The mediation analyses reveal that consumer trust partly mediates the effect of Islamic ethical values, environment, and social norms on green halal purchase intention. Out of all the antecedents tested, Islamic ethical values have been found to be the most effective determinant of green halal purchase intention. It can thus be concluded that the purchase intention for green halal products increases significantly if the customers perceive these products as being consistent with Islamic moral standards, sustainable for the environment, and approved by society, especially where the issue of consumer trust is involved. This research has contributed significantly to the extant literature by showing how trust acts as an important bridge between the antecedents of green halal purchase intention and the actual intention to purchase.
Copyright (c) 2026 Muhammad Abduh, Titania Mukti, Elif Pardiansyah https://creativecommons.org/licenses/by-sa/4.0
Utilization of Supervisory Technology to Support Risk Concentration Analysis in The Financial Services Authority
In carrying out its integrated regulatory and supervisory function in the financial services sector, the Financial Services Authority (OJK) receives various reports from Financial Services Institutions (LJK), Issuers, and Public Companies regarding the receipt and distribution of funds. The complexity of funding and financing relationships between financial service actors creates concentration risks that have the potential to disrupt financial system stability. Experiences from the 1998 Indonesian crisis and the 2008 global financial crisis demonstrate that concentration of exposures and interconnectedness between entities can exacerbate systemic risk. This study aims to identify current supervisory data analysis practices and propose the development of a concentration risk analysis that integrates the loan exposures of large debtor groups with their funding sources. The study used a qualitative approach through interviews, observations, and document analysis. The results indicate that OJK supervisors need an integrated concentration risk analysis across various LJKs and customer groups. Currently, the analysis process is still carried out manually, resulting in inconsistent results and difficult to replicate. The implementation of Supervisory Technology (SupTech) can improve supervisory effectiveness while transforming supervisors' tacit knowledge into explicit knowledge that is documented, standardized, and easily shared. This research contributes to the development of technology-based risk monitoring and knowledge management models in the financial services sector.
Copyright (c) 2026 Pardiyono, Basuki Hadiprajitno https://creativecommons.org/licenses/by-sa/4.0
Determinants of Net Interest Margin in Indonesian Conventional Banks: Evidence from 2020–2024
This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Operating Expenses to Operating Income (BOPO) on Net Interest Margin (NIM) in conventional banks listed on the Indonesia Stock Exchange during the 2020-2024 period. This study uses a quantitative approach with an associative research design. The sample was selected using purposive sampling and consisted of 11 conventional banks, resulting in 55 firm-year observations. The data were obtained from annual financial reports, official publications, and relevant banking sources. The data were analyzed using multiple linear regression with IBM SPSS Statistics 25, while the Cochrane-Orcutt method was applied to correct positive autocorrelation in the final model. The results show that CAR has a positive and significant effect on NIM, while NPL and BOPO have negative but insignificant effects on NIM. Simultaneously, CAR, NPL, and BOPO have a significant effect on NIM. The adjusted R-square value of 0.099 indicates that the independent variables explain 9.9% of the variation in NIM. These findings imply that capital adequacy remains an important internal factor in maintaining net interest margins, while credit risk control and operational efficiency should continue to be improved.
Copyright (c) 2026 Cindy Zannah https://creativecommons.org/licenses/by-sa/4.0
Economic Behavior of The Kediri People in The Shadow of Doho Kediri Airport
This study aims to examine the economic behavior of the community around Dhoho Airport, Kediri, which has undergone socio-economic transformation due to strategic infrastructure development. This phenomenon is evident in Kediri Regency, East Java, especially after the start of the construction of Dhoho Airport, a national strategic project designed to be a lever for regional economic growth. The presence of the airport has changed the face of the surrounding area, which was previously agricultural land and modest settlements, into a bustling and fast-growing economic area. This change has led to a surge in new economic activities, such as the emergence of street vendors, restaurants, parking lots, local transportation businesses, and lodging. Using a qualitative approach with phenomenological methods, this study explores the meanings raised by local economic actors in responding to these changes. The findings show that communities show adaptive responses through trade, lodging, and other services, with economic meanings influenced by local values such as blessing, hard work, and kinship. This study concludes that people's economic behavior is not only rational instrumental, but also full of subjective values and meanings, so that regional economic policies need to be designed in an inclusive and contextual manner
Copyright (c) 2026 Eni Susilowati , Eka Nur Rofik, Ana M. Maghfiroh, Hardining Estu Murdinar https://creativecommons.org/licenses/by-sa/4.0
The Effect of Patient Wait Time Efficiency on Patient Satisfaction Level
Patient satisfaction is a key indicator of health service quality and is closely related to loyalty, intention to repeat visit, and institutional reputation 1. Waiting time reflects the efficiency of the process and the responsiveness of services at the stages of registration, administration, and consultation which have a direct impact on the perception of quality and satisfaction 2. Literature review shows a consistent pattern: long wait times decrease satisfaction, while short, predictable wait times increase satisfaction, especially in outpatient services that have higher expectations of timeliness 3. Waiting longer than 60 minutes is associated with a significant decrease in satisfaction scores, making the management of wait time duration and variability crucial. Determining factors include queue design, health worker capacity, administrative complexity, and timeliness of doctors; Meanwhile, digital solutions (e.g. Mobile JKN) speed up the pre-visit and visit process and related to a 5.6 reduction in waiting time. This review summarizes the findings of 2015–2024, maps the determinants and mechanisms of the relationship between wait time and satisfaction, and offers managerial strategies for healthcare facilities in Indonesia and internationally 7
Copyright (c) 2026 Caesaria Sinta Zuya, Vip Paramarta https://creativecommons.org/licenses/by-sa/4.0
The Influence Of Motivation And Organizational Culture On Psychological Well-Being Mediated By Employee Job Satisfaction
This study aims to analyze and map the development of scientific studies on the influence of motivation and organizational culture on the psychological well-being of employees with job satisfaction as a mediating variable through the Systematic Literature Review (SLR) approach combined with bibliometric analysis. The research method uses an SLR approach with the stages of identification, selection, feasibility, and inclusion of articles obtained from various reputable scientific databases. The articles analyzed are international and national journal publications that are relevant to the topics of work motivation, organizational culture, job satisfaction, and employee psychological well-being. Bibliometric analysis was carried out to identify research trends, publication developments, author collaborations, as well as keyword mapping that is often used in related research. The results show that work motivation and organizational culture play an important role in increasing employee job satisfaction, which ultimately contributes to improved psychological well-being in the workplace. Job satisfaction has been shown to function as a mediating variable that strengthens the relationship between organizational factors and employee psychological conditions. In addition, the results of bibliometric analysis show that research on employee psychological well-being has been growing in recent years with a focus on aspects of a healthy work environment, organizational support, and strategies to improve the quality of work life. The findings of this study provide theoretical and practical implications for the development of human resource management in creating a conducive work environment, increasing employee motivation, and building a positive organizational culture to support the psychological well-being of employees in a sustainable manner.
Copyright (c) 2026 Agus Rahmat Santoso, Budi Eko Soetjipto, Ludi Wishnu Wardhana, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
Economic Loss Due To Mental Fragility in The Analysis of Provincial Economic Productivity in Indonesia
Mental health is a strategic issue in economics because it affects the quality of human resources and regional economic productivity. This study aims to analyze the impact of schizophrenia, depression, and suicidal ideation on economic losses across provinces in Indonesia and to examine the role of depression treatment as a mediating variable. The study employs a quantitative approach using explanatory research and a cross-sectional design based on secondary data from 2023. Data were obtained from the Indonesian Health Survey (SKI) by the Ministry of Health of the Republic of Indonesia and Regional Gross Domestic Product (PDRB) data from the Central Statistics Agency, with 38 provinces in Indonesia as the units of analysis. Data analysis was conducted using descriptive statistics, multiple linear regression, and causal mediation analysis. The results of the study indicate that schizophrenia, depression, and suicidal ideation have a significant negative effect on economic loss, as proxied by per capita GRDP. Depression is the variable with the greatest negative impact on regional economic productivity. Furthermore, treatment for depression was found to act as a significant mediator capable of mitigating the negative impact of depression on economic loss. These findings indicate that improved access to mental health services contributes to increased community economic productivity and a reduction in regional economic losses. This study makes a theoretical contribution to the development of development economics and health economics research through the integration of mental health variables and regional economic productivity. Practically, the research results underscore the importance of integrating mental health services into regional development policies to improve the quality of human resources and reduce economic loss in Indonesia.
Copyright (c) 2026 Muhammad Taqwa, Etty Soesilowati, Imam Mukhlis https://creativecommons.org/licenses/by-sa/4.0
The Mediating Role of Brand Image on Product Quality, Price, and Location Toward Millennial Cluster Property Purchase Decisions in Bogor Regency
The increasing development of cluster property in Bogor Regency has intensified competition among developers, particularly in attracting millennial consumers who are more critical, rational, and digitally informed in making housing purchase decisions. This study aims to analyze the mediating role of brand image in the influence of product quality, price, and location on millennial cluster property purchase decisions in Bogor Regency. A quantitative approach was employed using a descriptive and verificative research design. Data were collected through questionnaires distributed to 384 millennial consumers who had experience purchasing cluster property in Bogor Regency. The research instrument was measured using a five-point Likert scale and analyzed using structural equation modeling to test direct and indirect effects. The results show that product quality, price, and location have positive and significant effects on brand image. Product quality, price, location, and brand image also have positive and significant effects on purchase decision. Furthermore, brand image partially mediates the effects of product quality, price, and location on purchase decision. These findings indicate that millennial property purchase decisions are shaped by both rational property attributes and psychological trust in developer reputation.
Copyright (c) 2026 Efson Sairi, Agus Setyo Pranowo, Hari Muharam https://creativecommons.org/licenses/by-sa/4.0
The Influence of Instagram Content and Posting Frequency on Purchase Intention at Coffee Shop Elsana Pontianak
This study aims to analyze the influence of Instagram Content and Posting Frequency on Purchase Intention at Coffee Shop Elsana Pontianak. This research uses an associative quantitative approach. The research sample amounted to 150 respondents who were consumers of Coffee Shop Elsana Pontianak and followed the related Instagram account. Data collection was carried out through the distribution of questionnaires using a 5-point Likert scale. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 26 through validity tests, reliability tests, classical assumption tests, correlation coefficient analysis, coefficient of determination, and hypothesis testing using t-tests and F-tests. The results of the study indicate that all research instruments are valid and reliable. Partially, Instagram Content has a positive and significant effect on Purchase Intention with a t-value of 7.273 and a significance of 0.000. Posting Frequency has a positive and significant effect on Purchase Intention with a t-value of 3.970 and a significance of 0.000. Simultaneously, Instagram Content and Posting Frequency have a significant effect on Purchase Intention with an F-value of 82.834 and a significance of 0.000. The coefficient of determination (R²) value of 0.530 indicates that 53.0% of Purchase Intention can be explained by Instagram Content and Posting Frequency, while the remaining 47.0% is influenced by other factors outside the study.
Copyright (c) 2026 Siti Nurpatmawati, Dedi Hariyanto, Darusman https://creativecommons.org/licenses/by-sa/4.0