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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Paradigma Ekonomika Binus Business Review Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business J-MAS (Jurnal Manajemen dan Sains) Jurnal Darma Agung International Journal of Business, Law, and Education International Journal of Engineering, Science and Information Technology Journal of Community Engagement Research for Sustainability Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Jurnal Sistim Informasi dan Teknologi Journal of Business Studies and Management Review Electronic Journal of Education, Social Economics and Technology Indonesian Journal Of Business And Entrepreneurship Research Indo-Fintech Intellectuals: Journal of Economics and Business West Science Interdisciplinary Studies West Science Accounting and Finance Journal of Social Science and Business Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) Jurnal SMART: Sosial Ekonomi Kerakyatan Jurnal Penelitian Pendidikan Indonesia Management Studies and Business Journal Accounting Studies and Tax Journal COSMOS Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research IECON: International Economics and Business Conference Jurnal Ekonomi, Manajemen, Akuntansi
Ahmad Nur Budi Utama
Universitas Jambi
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Corporate Governance and Financial Transparency: A Legal Perpective on Reducing Fraud in Global Financial Markets Utama, Ahmad Nur Budi; Purwoko, Bambang
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.946

Abstract

This study explores the role of corporate governance and financial transparency in reducing fraud within global financial markets from a legal perspective. Through an analysis of case studies and regulatory frameworks, it examines how robust governance mechanisms—such as independent boards, effective audit committees, and clear separation of CEO and chair roles—enhance financial transparency and accountability. Legal reforms, including the Sarbanes-Oxley Act, have proven effective in reducing fraud in developed markets but highlight enforcement challenges in emerging economies. The study also discusses emerging trends such as the integration of ESG criteria and the adoption of technologies like blockchain and AI, which offer new opportunities to improve transparency and governance. The findings suggest that a multi-faceted approach combining legal reforms, technological innovation, and cultural alignment is essential for building a resilient and trustworthy global financial system.
Evaluation of Cloud-Based Financial Information System in Overcoming Company Liquidity Crisis Utama, Ahmad Nur Budi; Hidayat, Imam; Mutia, R. Dewi; Rasna, Rasna; Judijanto, Loso
International Journal of Engineering, Science and Information Technology Vol 5, No 2 (2025)
Publisher : Malikussaleh University, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52088/ijesty.v5i2.831

Abstract

 This study evaluates the effectiveness of cloud-based financial information systems in addressing corporate liquidity crises. It aims to identify how cloud financial systems improve liquidity stability, financial decision-making, and operational efficiency while examining key implementation challenges. A mixed-methods approach was applied, combining quantitative multiple linear regression analysis and qualitative case studies from 10 selected Indonesian companies across various sectors. The study measured key factors, including financial data access speed, accuracy, cash flow prediction, and liquidity management efficiency. The quantitative results show that all independent variables positively and significantly impact corporate liquidity stability (p-value 0.05). Liquidity management efficiency (coefficient = 0.366) had the most potent effect, followed by financial data access (0.347), accuracy and transparency (0.340), and cash flow prediction (0.308). The qualitative findings further validate these results, with companies reporting better financial forecasting, reduced manual errors, and improved decision-making speed. However, key challenges include high implementation costs, cybersecurity risks, and system integration difficulties. Businesses must adopt strategic implementation plans, focusing on enhanced cybersecurity measures, affordable cloud solutions, and team member training programs to maximize cloud financial benefits. SMEs, in particular, require scalable cloud options to mitigate financial and technological constraints. Cloud-based financial systems significantly enhance corporate financial stability and sustainability. Companies that effectively integrate these systems will gain higher financial resilience and competitive advantage in the digital era. However, addressing cost, security, and integration challenges is essential for optimizing cloud technology adoption.
Competitiveness Factors and MSME Performance: Insights from Jambi Province Tona Aurora Lubis; Firmansyah, Firmansyah; Mukhzarudfa, Mukhzarudfa; Utama, Ahmad Nur Budi; Sari, Novita; Ningsih, Maryati
International Journal of Economics, Business and Innovation Research Vol. 4 No. 02 (2025): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the impact of competitiveness factors on MSME performance in Jambi Province. The research focuses on four key competitiveness factors: financial capabilities, entrepreneurial skills, government policies, and technological advancements. Utilizing a quantitative approach, data were collected from 100 MSMEs through structured questionnaires. The analysis was conducted using Partial Least Squares (PLS) through Smart PLS 3 software. The findings indicate that entrepreneurial skills are the most significant factor influencing MSME performance, with profit growth identified as a key performance indicator. These results suggest that enhancing entrepreneurial capabilities and leveraging regional strengths can improve MSME competitiveness and sustainability in both local and global markets.
Analisis Minat Nasabah dalam Penggunaan Mobile Banking Ahmad Nur Budi Utama; Rezki Fitriani; Dian Firdaus; Zaenal Arief; Arnes Yuli Vandika
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6221

Abstract

Penelitian ini menganalisis faktor-faktor yang memengaruhi minat nasabah dalam penggunaan mobile banking, termasuk persepsi kemudahan, persepsi risiko, kepercayaan, dan pengalaman pengguna. Metode penelitian yang digunakan adalah survei dengan sampel 50 nasabah bank konvensional. Hasil analisis menunjukkan bahwa persepsi kemudahan, kepercayaan, dan pengalaman pengguna memiliki pengaruh positif yang signifikan terhadap minat nasabah, sementara persepsi risiko berpengaruh negatif. Persepsi kemudahan mendorong nasabah untuk mencoba dan menggunakan aplikasi mobile banking, sedangkan kepercayaan yang tinggi terhadap bank meningkatkan rasa aman nasabah dalam menggunakan layanan digital. Sebaliknya, persepsi risiko yang terkait dengan keamanan data pribadi menurunkan minat nasabah untuk menggunakan mobile banking. Pengalaman pengguna yang baik, mencakup antarmuka yang mudah dan navigasi yang responsif, juga terbukti meningkatkan keterlibatan nasabah. Temuan ini menunjukkan bahwa bank perlu meningkatkan keamanan, memperbaiki pengalaman pengguna, dan membangun kepercayaan nasabah untuk meningkatkan adopsi mobile banking.
Commercialization and Business Feasibility of Campus Assets: Transforming Dormitories to Improve Financial Performance Utama, Ahmad Nur Budi; Syarif, Agus; Wulandari, Bunga Ayu
Binus Business Review Vol. 16 No. 1 (2025): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v16i1.12087

Abstract

The current era of globalization requires universities to formulate strategies to optimize campus assets to make them more productive and contribute to the institution. The research focused on one of the real assets at University of Jambi University, namely student dormitories. The research analyzed how to optimize dormitories to benefit students and the university. Problems faced by flat assets included limited land for maintenance, inadequate infrastructure, and high maintenance costs. Another challenge was the lack of supporting facilities, such as adequate reading rooms, laboratories, and sports venues. The research applied a mixed method (qualitative and quantitative approach). Qualitative analysis was carried out to evaluate business potential and identify opportunities for commercialization of dormitories through a survey of students living around campus. The data obtained was then analyzed using the Strengths, Weaknesses, Opportunities, Threats (SWOT) method to determine the strategic position of the dormitories. Meanwhile, quantitative data was obtained through observation and interviews, which were then analyzed using the investment criteria of Net Present Value (NPV) and Internal Rate of Return (IRR). The findings in SWOT show several suggestions for dormitory management at University of Jambi. Moreover, the results show that the NPV value of this 5-year flat project is estimated at IDR 571,256,867 with an IRR of 38.08%. It indicates that this project is feasible to implement. With the right strategy, the dormitories will not only be a place to live but also a place that supports students' academic and social growth.
Quantitative Analysis of the Trade Industry: The Effect of Environmental Policy on Industry Growth Ahmad Nur Budi Utama; Zumrotul Avifa K; Diah Nurdiana; Rusni Andriani; Hasnadia Rusdi
Indonesian Journal of Business and Entrepreneurship Research Vol. 2 No. 2 (2024): Vol. 2, No. 2, May 2024: Indonesian Journal of Business and Entrepreneurship Re
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/ijober.v2i2.2492

Abstract

This study aims to examine the impact of environmental policies on the growth of the trade industry, with a particular focus on Toko Marannu. Through a descriptive analysis, the research highlights key areas of implementation, customer acceptance, and the resultant effects on sales, customer satisfaction, and overall business performance. The findings reveal that Toko Marannu has successfully implemented environmental policies, such as the use of environmentally friendly bags and the provision of alternative packaging options, which have been well-received by customers. The study shows that these policies positively influence sales growth, increase the number of visitors, and enhance profits, while maintaining high levels of customer satisfaction. The research, conducted through a quantitative approach using surveys and questionnaires with 40 customers, underscores the importance of environmental policies in driving industrial growth and improving consumer perceptions. These insights offer valuable guidance for businesses seeking to integrate sustainable practices while achieving economic growth.
PERAN OVERCONFIDENCE DALAM PENGAMBILAN RISIKO INVESTASI DI PASAR MODAL INDONESIA Heri Sasono; Angguliyah Rizqi Amaliyah; Ade Onny Siagian; Ahmad Nur Budi Utama
Journal of Economic, Bussines and Accounting (COSTING) Vol. 7 No. 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.14029

Abstract

Penelitian ini menganalisis peran overconfidence dalam pengambilan risiko investasi di pasar modal Indonesia. Overconfidence, yang merupakan bias psikologis berupa keyakinan berlebihan terhadap kemampuan dan prediksi diri, dapat memengaruhi perilaku investasi secara signifikan. Dengan pendekatan kuantitatif melalui survei terhadap 500 investor individu, penelitian ini menemukan bahwa overconfidence memiliki hubungan positif yang signifikan dengan pengambilan risiko investasi, tetapi berdampak negatif terhadap kinerja investasi. Hasil penelitian juga menunjukkan bahwa faktor demografis, seperti usia, pendidikan, dan pengalaman investasi, memoderasi hubungan antara overconfidence dan kinerja investasi. Temuan ini memberikan kontribusi penting dalam literatur keuangan perilaku, dengan implikasi praktis berupa peningkatan literasi keuangan, pengelolaan bias psikologis, dan strategi investasi yang lebih efektif.
The Effect Of Business Capital And Creativity On Entrepreneurial Interest With The Involvement Of Variables Intervening: Entrepreneurial Motivation On Entrepreneurship Association Of Umkm Muaro Jambi (Asumkmuja) Rizki Surya Pratama; Dhamiri; Ahmad Nur Budi Utama
International Journal of Economics, Business and Innovation Research Vol. 4 No. 04 (2025): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v4i04.2036

Abstract

This study aims to examine the effect of business capital and creativity on entrepreneurial interest by involving entrepreneurial motivation as an intervening variable among members of the Entrepreneurship Association of UMKM Muaro Jambi (ASUMKMUJA). Using a quantitative approach, data were collected through questionnaires distributed to ASUMKMUJA members and analyzed using path analysis. The findings indicate that business capital and creativity have a positive and significant effect on entrepreneurial motivation. Furthermore, entrepreneurial motivation significantly influences entrepreneurial interest and mediates the relationship between business capital, creativity, and entrepreneurial interest. These results suggest that enhancing both financial support and creative capacity, while simultaneously fostering entrepreneurial motivation, can effectively increase entrepreneurial interest among UMKM actors. This study provides useful insights for policymakers and entrepreneurship development programs to support the growth of small and medium enterprises in the region.
Business Behavior Model And Business Performance Of Areca Nut Farmers In Tanjung Jabung Timur District And Tanjung Jabung Barat Tona Aurora Lubis; Asep Machpudin; Sigit Indrajaya; Ahmad Nur Budi Utama; Muhammad Haris Saputra; Maryati Ningsih
International Journal of Business and Quality Research Vol. 3 No. 01 (2025): January - March, International Journal of Business and Quality Research (IJBQR
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i01.1495

Abstract

In its development, the Pinang commodity is a leading regional commodity in Jambi Province in general, and Tanjabtim and Tanjabbar districts in particular. Tanjung Jabung Timur and Tanjung Jabung Barat districts are the largest and best producers of Pinang commodities in Jambi Province. This makes Pinang one of the leading export products of the district. So that Pinang is widely used by the community as a source of livelihood both in the form of buying and selling businesses and field investments. As a leading commodity, the business behavior and business performance of Pinang farmers are needed to develop this Pinang business or business in the future. Research on the business behavior and business performance of Pinang farmers has never been studied before. This study has the ultimate goal of formulating a Model of Business Behavior and Business Performance of Pinang Farmers in Tanjung Jabung Timur and Tanjung Jabung Barat Districts. This study applies a combination research (mixed method) with the Sequential Exploratory Design type, namely the initial stage using qualitative research with NVivo software, then the second stage using quantitative research with SmartPLS software. The results of this study conclude that Pinang farmers consist of: hereditary pinang farmers and "new" pinang farmers. The performance of the areca nut farmer business is highly dependent on the collectors and/or areca nut entrepreneurs and areca nut exporters. This is because the purchase price of areca nuts from areca nut farmers is determined by the collectors, areca nut entrepreneurs and areca nut exporters. Meanwhile, other things can be concluded as follows: 1.) The purchasing behavior of areca nut buyers is unable to strengthen or weaken the business behavior of areca nut farmers. 2.) The higher the business behavior of areca nut farmers, the higher the business performance will be. 3.) This means that the higher the purchasing behavior of areca nut buyers, the higher the business performance will be
The Role of Financial Performance in Mediating the Influence of Green Finance and Competitive Advantage on Company Value (Company Case Study Energy Sub-Sector in 2021-2023) Muhammad Luthfi Faisal; Tona Aurora Lubis; Ahmad Nur Budi Utama
International Journal of Business and Quality Research Vol. 3 No. 01 (2025): January - March, International Journal of Business and Quality Research (IJBQR
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i01.1582

Abstract

This study aims to determine the influence of green finance and competitive advantage on company value through financial performance as a mediating variable in energy sub-sector companies listed on the Indonesia Stock Exchange in 2021-2023. There were 13 companies with 39 observations that met the criteria as a research sample. This study uses Structural Equation Model analysis based on Partial Least Square (PLS). The results of this study show that, green finance has a negative and significant effect on company value, competitive advantage has a positive and insignificant effect on company value, green finance has a positive and significant effect on financial performance, competitive advantage has a negative and significant effect on financial performance, financial performance has a positive and significant effect on company value, financial performance mediates the influence of green finance on the company's value positively and significantly, and financial performance can mediate the influence of competitive advantage on the company's value negatively and significantly
Co-Authors Ade Irma Suryani Ade Irma Suryani Ade Irma Suryani Ade Onny Siagian Agus Solikhin, Agus Agus Syarif Agus Syarif Agus Syarif Al-Amin, Al-Amin Aminuyati Andi Najemi, Andi Anggun, Debby Armando, Y.G Arnes Yuli Vandika Asep Machpuddin Asep Machpudin Azmi, Mohamad Bambang Purwoko Candra Mustika Damara Gugat, Rudy Max Dewi, Kisthi Hanila Dhamiri Dheo Rimbano Diah Nurdiana Dwi Suryahartati Eddy Silamat Eddy Silamat, Eddy Firmansyah Firmansyah Frans Sudirjo Hamdiah Hamdiah Hasnadia Rusdi Hidayat, Gustina Husain, Anggriani Idham Khalik Idham Khalik, Idham Istiqomah Malinda SB Joko Sangaji Judijanto, Loso Klemens Mere Lesmana, Tera Lestari, Lintang Liona Efrina S Makatita, Josephus Alberth Martis, Andi Maryati Ningsih Mohammad Ihsan Muhammad Haris Saputra Muhammad Hidayat Muhammad Luthfi Faisal Mukhzarudfa, Mukhzarudfa Mustika, Candra Mutia, R. Dewi Ningsih, Maryati Novita Sari Pahlefi, Pahlefi Piola, Marina Paramitha Sari Primadiva, Parassela Pangestu Priyana, Yana Rama Dhonal Rasna, Rasna Rezki Fitriani Rike Setiawati Rizki Surya Pratama Rizki, Sri Ajeng Sukmala Rizqi Amaliyah, Angguliyah Rusni Andriani Sasono, Heri SB, Istiqomah Malinda Setyaji, Hajar Shanty Sormin Sigit Indrajaya Siti Aisyah Tera Lesmana Titik Haryanti Tona Aurora Lubis Tona Aurora Lubis Tona Aurora Lubis Ummu Kalsum Usup, Usup Utami, Eva Yuniarti Windarto Wulandari, Bunga Ayu Yana Priyana Zaenal Arief Zikriani, Hilyati Zumrotul Avifa K