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INDONESIA
Agregat: Jurnal Ekonomi dan Bisnis
Published by Universitas Muhammadiyah Prof. Dr. Hamka
ISSN : 25495658     EISSN : 25497243     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Agregat: Jurnal Ekonomi dan Bisnis (Journal of Economics and Business) is aimed at being a medium for research results dissemination and scientific paper exchanges on the Indonesian economy and business among academics, practitioners, regulators, and public. Agregat: Jurnal Ekonomi dan Bisnis (Journal of Economics and Business) is issued two times annually, i.e., in March, and September.
Arjuna Subject : -
Articles 186 Documents
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Asymmetrical Information Between Smes And Banking: A Perspective From Signaling Theory Virginia, Winda Ayu; Misran
Agregat: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol9.i1/17385

Abstract

The aim of this research will be to look more deeply into the problems faced by MSMEs in obtaining capital from banks due to the existing information asymmetry. This study uses a qualitative method that aims to explore the conditions in the field. The data analysis model used in this study is descriptive, qualitative, and quantitative, presented in the form of tables and images with descriptive statistics so that a comprehensive picture is obtained that can explain the research questions. Data collection techniques use questionnaires in the form of closed and open questions, interviews, and documentation.We find that there are information asymmetry between customers and banks. The information signal given by customers cannot be understood properly by bank officers because the information conveyed is in accordance with the SOP set by the bank. Customers modify the information given to bank officers so that the credit given is approved for several reasons such as insufficient collateral, other urgent needs, paying off debts from other creditors (take over), for new businesses, education costs and helping families. The bank's developed instrument should have identified the customer's signal. The bank can ignore this signal because the customer has a credit score that is not problematic and pays installments on time.
QRIS and Education : What Drives Students' Continuance Intention to Use It? Nisa, Khairun; Budiman Abdulah; Maryani, Anie; R. Madhakomala
Agregat: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol9.i1/17734

Abstract

This study investigates the factors influencing students' continuance use intention of QRIS at a university in Jakarta. The research aims to explore the role of digital financial literacy, perceived usefulness, perceived ease of use, and perceived security in shaping students' intention to continue using QRIS as a payment tool. A theoretical framework was developed based on the Technology Acceptance Model (TAM), integrating these constructs to form the model. Data from 205 respondents were collected and analyzed using Structural Equation Modeling (SEM). The results showed that perceived usefulness (β = 0.268, ρ < 0.05), perceived ease of use (β = 0.225, ρ < 0.001), and perceived security (β = 0.275, ρ < 0.005) significantly influenced students' continuance use intention. However, digital financial literacy (β = 0.069, ρ = 0.366) did not have a significant effect on continuance use intention. These findings contribute to the literature on digital payment adoption, emphasizing the importance of perceived usefulness, ease of use, and security in promoting the sustained use of QRIS among students. The study suggests that enhancing students' perceptions of these factors can drive greater acceptance and continued use of QRIS as a preferred payment method in the digital age.  
Evaluating The Development of Leadership Competencies of Telecommunication Project Managers : A Scenario Planning Approach Misbahuddin; Mohammad Syamsul Maarif; Arif Imam Suroso; Yunus Triyonggo
Agregat: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol9.i1/17864

Abstract

The future of project management in the telecommunications industry is not just a distant possibility but a rapidly approaching reality. Driven by unprecedented technological advancements and a complex project environment, this transformation is imminent. This paper explores the development of leadership competencies among project managers in this volatile landscape through a combination of transactional and transformational leadership styles in facing future challenges. Using a scenario planning methodology, the author identifies critical drivers through a PESTLE analysis. The author then employs a 2x2 matrix to categorize environments based on two key uncertainties in the telecommunications industry: project complexity and technological uncertainty. This results in a Telecommunications Project Scenario Matrix, consisting of four future scenarios, namely Stability, Complexity, Innovation, and Disruption Quadrants. These scenarios present distinct challenges and opportunities for project managers, ultimately shaping the leadership competencies required for success in combining transactional and transformational styles. The analysis suggests five leadership development actions. This insight will be valuable for academics and project management practitioners in the telecommunications industry.
Impact of Work Engagement and Social Capital on Employee Performance and Organization Commitment as an intervening Permono Nugroho, Sidiq; Suharnomo, Suharnomo; Mahfudz, Mahfudz
Agregat: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol9.i1/19141

Abstract

A company's most valuable asset is its workforce, and a successful workforce is the cornerstone of any business. Retaining productive and high-performing employees who can assist the company in reaching its goals and objectives while competing globally is a challenge for modern businesses. The study is to measure the influence of job involvement and social capital on employee performance using organisational commitment as a mediating variable. One hundred participants completed an online survey using a Google form as part of this study. The sampling process made use of purposeful sampling. Use intelligent PLS analysis to assess the reliability and validity of the outer model. Hypotheses are tested using the smartPLS inner and outer models. The results showed that organisational commitment, work involvement, and social capital all had favourable and significant effects on employee performance. Furthermore, the positive and noteworthy impacts of social capital on employee performance are partially mediated by organisational commitment. the effect of social capital and job involvement on worker performance
Maturity Level and Competence of Village Apparatus in Readiness to Implement Digital Accounting Information Systems Virginia, Winda; Aswira, Resfika; Risna, Risna
Agregat: Jurnal Ekonomi dan Bisnis Vol. 9 No. 2 (2025)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol9.i2/20885

Abstract

This study investigates the relationship between the maturity level of village fund management and the competence of village officials in determining the readiness to implement a Digital Accounting Information System (SIAD). Unlike previous studies that separately analyzed either organizational maturity or human resource competence, this research integrates both constructs into a single explanatory framework, highlighting their direct and indirect effects through community trust as a mediating variable. Using an quantitative design, data were collected through questionnaires distributed to 111 village officials in Buton Regency, Southeast Sulawesi. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (PLS). The findings reveal that the maturity level of village fund management has a significant effect on SIAD implementation readiness, both directly and indirectly through community trust. Conversely, the competence of village officials does not directly affect readiness but significantly contributes to strengthening public trust. These results indicate that the readiness of village governments to adopt SIAD is primarily determined by the maturity of governance structures, which must be supported by human resource capacity building and reinforced by public trust. The study contributes to the growing body of literature on digital governance by proposing an integrated empirical model for assessing digital accounting system readiness at the village level in developing countries
The Influence of Internal Control Systems and Understanding of Accounting Information Systems on Financial Performance Abdullah, Dadang; Asmanah, Siti
Agregat: Jurnal Ekonomi dan Bisnis Vol. 9 No. 2 (2025)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol9.i2/21300

Abstract

This study aims to analyze the influence of internal control systems and accounting information systems on financial performance. The object of the research is the management of the Muhammadiyah Banten regional leadership. This study was conducted on 78 respondents using a quantitative descriptive approach. The data collection method uses the survey method with research data collection instruments are questionnaires through Google Form. The approach used in this study is the Structural Equation Model (SEM) with Smart Partial Least Square (PLS) analysis tools, validity tests, reliability tests and hypotheses of all scales are declared valid. This study proves that the internal control system has a significant effect on financial performance, the accounting information system has a significant effect on financial performance

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