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Journal of Innovation in Business and Economics
Published by Universitas Muhammadiyah Malang
ISSN : 25809431     EISSN : 25812025     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The Journal of Innovation in Business and Economics (JIBE) is published by the Department of Economics and Business at University of Muhammadiyah Malang in 2017. Previously this journal was known as Jurnal Media Ekonomi that was initially published in 2000. In 2011 until 2016, this journal was renamed as Ekonomika Bisnis: Jurnal Penelitian dan Pemikiran. JIBE is a generalist; academic review covering all fields of business, management, accounting, and economics. The journal seeks to examine the emerging and state of the art future innovations in business, economics and management made possible by advances in information, communication, and technologies. We welcome contributions covering all fields of business innovations including, but not limited to information, communication and technologies applications in business, cost and revenue model, business ethics, business strategy, applications of innovation in business and management, entrepreneurship & innovation, information systems, international business & cross-cultural studies, marketing, organization studies, general management as well as micro and macro economics.
Arjuna Subject : -
Articles 269 Documents
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Long-term debt and financial performance Desy Astrid Anindya; Harry Suharman; Indawati Lestari; Muhammad Habibie
Journal of Innovation in Business and Economics Vol. 9 No. 02 B (2025): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v9i01.41133

Abstract

This study aims to analyze the influence of capital structure on the financial and market performance of construction companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period. Capital structure is measured by the proportion of long-term debt to total capital. Financial performance is assessed using Return on Equity (ROE), while market performance is proxied by stock price. The analysis employs panel data regression with a fixed effects approach, controlling for firm size, liquidity, interest coverage ratio, and sales growth. The results show that long-term debt has a negative and significant effect on ROE, but no significant effect on the stock price. Conversely, the current ratio and sales growth have a positive and significant effect on ROE, while the current ratio and firm size significantly increase stock prices. These findings suggest that the inappropriate use of long-term debt may reduce profitability, and that investors place greater emphasis on liquidity and firm size when assessing market value. This study contributes to the literature on capital structure in the construction sector, which is characterized by capital-intensive and high-risk operations. Practically, the findings can inform company management in formulating more efficient and sustainable financing strategies and help investors interpret financial signals relevant to firm value.
Analysis of economic growth through strengthening zakat contributions with the analytic network process (ANP) approach Nurul Badriyah; Setyo Tri Wahyudi; Kartika Sari; Amalia Rahmawati; Fajrin Intan Safitri; Radeetha Radeetha; Fadillah Putra; Agung Pramana Warih Marhendra
Journal of Innovation in Business and Economics Vol. 9 No. 02 B (2025): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v9i01.41650

Abstract

This study discusses the strengthening of cooperation and institutions in optimizing zakat management, with a case study on LAZISNU Malang City using the Analytic Network Process method. The results show that applicability to institutions has the most significant influence (weight 0.43966), emphasizing the importance of relevant and effective policies to support zakat institutions. LAZISNU Malang City has been actively establishing strategic cooperation with various parties, including Islamic financial institutions and local governments, to increase zakat collection. Regulation also plays an important role in strengthening the zakat management structure (weight 0.30071) with a positive impact on the efficiency of zakat distribution and the acceleration of its distribution to mustahik. The aspect of the speed of zakat distribution (weight 0.25604) is a critical element, especially in emergency situations, ensuring that the benefits of zakat are immediately felt by the community. In addition, adequate zakat literacy (weight 0.204) has been proven to support the active participation of muzakki, as found in various empirical studies. This study confirms that strengthening cooperation, implementing effective regulations, increasing literacy, and adopting technology are strategic steps to optimize zakat as a socio-economic instrument in Malang City.
Constructing a multidimensional indicator for Islamic finance development Idah Zuhroh; Nazaruddin Malik; Muhammad Khoirul Fuddin; Fitri Rusdianasari
Journal of Innovation in Business and Economics Vol. 9 No. 02 B (2025): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v9i01.42602

Abstract

This study conducts a systematic literature review to evaluate existing indicators used in measuring Islamic finance development and proposes the Islamic Finance Development Indicator Plus (IFDI+), a multidimensional framework that extends beyond asset-based and compliance-oriented metrics. A total of 51 peer-reviewed articles published between 2019 and 2025 were analyzed following PRISMA standards, complemented by bibliometric mapping using VOSviewer. The review identifies five core dimensions essential for assessing Islamic finance development: 1) quantitative development, 2) governance and regulatory quality, 3) innovation and technology adoption, 4) social impact and economic inclusion, and 5) awareness and financial literacy. The IFDI+ framework integrates these dimensions into a cohesive evaluative model aligned with maqasid al-shariah and contemporary sustainability agendas. This study contributes to improving measurement practices and provides guidance for policymakers in strengthening multidimensional reporting, supporting fintech-enabling regulatory environments, and enhancing ESG and financial inclusion initiatives. Future research should operationalize and empirically validate IFDI+ across diverse jurisdictions.
Discourse on determinants of taxpayer compliance Oyong Lisa; Lucky Nugroho; Timea Gal; Erik Nugraha
Journal of Innovation in Business and Economics Vol. 10 No. 01 (2026): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v10i01.31813

Abstract

This study aims to examine the effects of tax sanctions, income levels, and tax awareness on tax compliance from the perspective of the Theory of Planned Behavior. Using a quantitative approach, primary data were collected through questionnaires administered to taxpayers at the Tax Service Office in Probolinggo, East Java, Indonesia, in 2021. The results indicate that (i) tax sanctions have no significant effect on tax compliance, suggesting that taxpayers tend to remain compliant even in the absence of punitive measures; (ii) income levels have a positive and significant effect on tax compliance, implying that individuals and business entities with higher incomes are better able to fulfill their tax obligations without substantial financial constraints; and (iii) tax awareness positively and significantly influences tax compliance, indicating that taxpayers who understand the benefits of taxation for public services and development are more likely to comply with tax regulations.
Service quality delivery as a determinant of customers' satisfaction in the Nigerian banking industry: A systematic review Auwalu Shuaibu Muhammad; Muhamad Ahsan
Journal of Innovation in Business and Economics Vol. 10 No. 01 (2026): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v10i01.33412

Abstract

This study examines the impact of service quality delivery on customer satisfaction in Nigeria's banking industry. The research aims to consolidate existing findings on the influence of service quality in Nigerian banks. Using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines, the study conducted a systematic search for relevant articles through Google Scholar, following predetermined protocols. The analysis revealed a positive relationship between service quality delivery and customer satisfaction in Nigerian banks. The SERVQUAL model emerged as the most frequently used framework in the existing literature. However, despite its widespread application, discrepancies remain regarding which service quality dimensions best predict customer satisfaction. The study underscores the importance of banks innovating their service offerings by optimizing technological and digital service channels to meet customers' banking needs. Furthermore, it suggests that future research using the SERVQUAL model should incorporate technological and digital service dimensions to produce more contextually relevant results. To address service inefficiencies in the banking sector, the study recommends that the Central Bank of Nigeria incentivize service quality improvements by establishing benchmarks for rewards and penalties based on performance assessment scorecards, thereby fostering healthy competition in service delivery among banks.
Empowering women in the informal economy: Productivity drivers and constraints in Kediri regency Dewi Mariya Ulfa; Wildan Syafitri; Nurul Badriyah; Fajrin Intan Safitri
Journal of Innovation in Business and Economics Vol. 10 No. 01 (2026): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v10i01.43302

Abstract

The informal sector plays an important role in employment absorption in Kediri Regency, with women making substantial contributions despite facing various structural and socio-economic challenges. This study aims to analyze the determinants of productivity among informal sector workers in Kediri Regency, with particular attention to women’s position within the informal economy. The study employs a quantitative approach using secondary data from the 2023 National Socioeconomic Survey (SUSENAS), comprising 3,524 informal sector workers. Although women constitute the primary focus of the study, male workers are included as a comparison group to assess whether productivity differences are associated with gender or with other socioeconomic characteristics. To estimate the probability of workers being categorized as productive, the analysis applies a Complementary Log-Log (Cloglog) regression model. The results indicate that age, educational attainment, and working hours significantly influence worker productivity. Workers with higher levels of education, greater age, and longer working hours are more likely to be categorized as productive. In contrast, gender, marital status, occupation type, internet use, micro-enterprise ownership, and social security participation do not exhibit statistically significant effects on productivity. These findings suggest that productivity in the informal sector is primarily driven by human capital characteristics and labor input rather than demographic differences alone. However, the insignificant effects of internet use and social protection should be interpreted cautiously, as they may reflect contextual and measurement limitations rather than the absence of economic relevance. The study highlights the importance of strengthening educational opportunities, skills development, and productive employment opportunities to enhance productivity and support women’s economic empowerment in the informal sector
Exploring the interplay of work–life balance, engagement, and job insecurity on employee outcomes: Insights from Indonesian SMEs Titiek Ambarwati; Ery Try Djatmika R. W. W; Cipto Wardoyo; Madziatul Churiyah
Journal of Innovation in Business and Economics Vol. 10 No. 01 (2026): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v10i01.43343

Abstract

Small and Medium-sized Enterprises (SMEs) play a vital role in economic development in emerging economies. However, limited resources, informal labor arrangements, and institutional uncertainty frequently constrain their capacity for innovation. In such settings, innovation tends to emerge through adaptive organizational practices rather than formal Research and development. This study examines how work–life balance (WLB), employee engagement (EE), and job insecurity (JI) shape employee performance, with job satisfaction (JS) conceptualized as a coordination mechanism linking individual behavior to organizational outcomes. Grounded in evolutionary and institutional perspectives as well as the Job Demands–Resources framework, this study employs a quantitative explanatory design using survey data from 200 employees in East Java, Indonesia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that employee engagement is the strongest predictor of performance, exerting both direct effects and indirect effects through job satisfaction. Work–life balance positively affects performance but does not significantly influence job satisfaction, indicating its role as an efficiency-oriented organizational practice. Job insecurity substantially reduces performance, while its relationship with job satisfaction is not significant, reflecting the normalization of employment instability in informal labor markets. Job satisfaction partially mediates the relationship between engagement and performance. This study demonstrates how micro-level labor conditions contribute to organizational innovation, productivity, and adaptive efficiency in resource-constrained SMEs.
How streamer–viewer interaction shapes purchase intention in live-streaming commerce Lusiah Lusiah; Errie Margery
Journal of Innovation in Business and Economics Vol. 10 No. 02 (2026): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v10i02.42026

Abstract

Live-streaming commerce (LSC) has emerged as a prominent digital retail format by integrating real-time interaction, information exchange, and social engagement. While prior studies largely conceptualize interactive features as behavioral stimuli, limited attention has been paid to their role as institutional mechanisms that coordinate trust and purchasing behavior under uncertainty. This study examines how interactive features—particularly Perceived Streamer–Viewer Interaction (PSVI)—influence purchase intention in LSC featuring live comment functionality. Using a quantitative survey approach, data were collected from 108 users who had participated in LSC sessions within the past three months. The study employs Robust Least Squares (RLS) regression to account for heteroscedasticity and potential outliers. The model includes PSVI, User-to-User Engagement (UUE), Comment Availability (CA), Streamer Quality (SQ), Screen Time Intensity, and Gender as explanatory variables. The results reveal that PSVI has a strong, positive, and highly robust effect on purchase intention across all specifications, confirming its role as the primary driver of transactional behavior. In contrast, UUE does not exhibit a significant direct effect, suggesting that peer interaction primarily shapes social atmosphere rather than purchase decisions. Notably, CA demonstrates a negative and statistically significant relationship with purchase intention, indicating information overload in high-velocity comment environments. SQ shows a conditional negative effect when interaction and information variables are jointly controlled, highlighting a potential trade-off between professionalism and perceived authenticity. Robustness checks excluding UUE further confirm the stability of the main findings.
The role of fintech and digital transformation in enhancing customer satisfaction: Mediating evidence from service quality in online transportation Agung Sudjatmoko; Excel Jansen Wijaya; Renata Klaudia Marien Leody
Journal of Innovation in Business and Economics Vol. 10 No. 02 (2026): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v10i02.44336

Abstract

This study examines the influence of digital transformation and financial technology (fintech) on customer satisfaction in online transportation services in Indonesia, with service quality as a mediating variable. The study focuses on explaining how technological capabilities are translated into customer satisfaction through perceived service quality. The findings indicate that both digital transformation and fintech have positive and significant effects on customer satisfaction and service quality. Service quality also has a positive and significant effect on customer satisfaction and mediates the relationships between digital transformation, fintech, and customer satisfaction. These findings suggest that technological innovation creates greater customer value when it is translated into reliable, responsive, and customer-oriented service experiences. The novelty of this study lies in integrating digital transformation and fintech within a single mediation framework, positioning service quality as the mechanism linking technological capabilities to customer satisfaction. The study highlights the importance of complementing technological investment with improvements in service reliability, system responsiveness, transaction security, and overall customer experience to support sustainable customer satisfaction in online transportation services.

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