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Business and Finance Journal
Published by Universitas Nahdlatul Ulama Surabaya
ISSN : 25274872     EISSN : 2477393X     DOI : https://doi.org/10.33086/bfj
Core Subject : Economy,
Economics, Econometrics & Finance
Business and Finance Journal UNUSA (p-ISSN: 2527-4872; e-ISSN: 2477-493X) is a scientific peer-reviewed journal published by Faculty of Economics and Business, Universitas Nahdlatul Ulama Surabaya, Indonesia. Since Established in 2016, BFJ is intended Provide a medium for dissemination of original and quality research on various topic in business, finance and economics.
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Articles 221 Documents
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THE IMPACT OF GAMIFICATION ON REPURCHASE INTENTION: MEDIATING ROLE OF PERCEIVED ENJOYMENT AND MODERATING ROLE OF REWARD SATISFACTION Natalia, Erica Destiani; Gabriella, Annette; Adrie Oktavio
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.6851

Abstract

The advancement of technology has brought a significant impact to the tourism industry, marked by the rise of Online Travel Agents (OTAs) that assist consumers in planning their trips. Traveloka ranked first as the most popular OTA, followed by Tiket.com and Agoda. In an effort to attract and retain customers, Traveloka has integrated gamification features that encourage repeat transactions by offering rewards such as points that can be redeemed for vouchers. This study examines the Influence of gamification on repurchase intention, with perceived enjoyment serving as a mediator and reward satisfaction functioning as a moderator. Data was collected from 201 Traveloka users who had made a transaction and engaged with the gamification features within the last six months. Using purposive sampling and a quantitative research approach, the study employed structural equation modeling (SEM) for data analysis. The findings found that gamification significantly influences repurchase intention and enhances perceived enjoyment. Additionally, perceived enjoyment partially mediates the relationship between gamification and repurchase intention. Meanwhile, reward satisfaction, as a moderating variable, weakens the relationship between gamification and repurchase intention. These results offer valuable insights into the effectiveness of gamification strategies for customer engagement and repeat purchase behavior in the highly competitive OTA market.
THE IMPACT OF KOREAN CELEBRITY ENDORSER AND ONLINE CUSTOMER REVIEW ON SOMETHINC CUSTOMER PURCHASE INTENTION MEDIATED BY BRAND IMAGE Dellarosa, Ivana; Widyarini, Lydia Ari; Gunawan, Erick Theofilus
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.5872

Abstract

K-pop gains recognition and popularity because to the hallyu phenomenon, particularly in Indonesia. This phenomenon presents a chance for brands, particularly those in the beauty industry, to collaborate with K-pop and K-drama artists who align with their brand image in order to generate public interest in their product. Also, digitalization era situs gacor777 has caused people to search product review on social media platform as people spend more time on social media. People used to consult about particular products before making a new purchase to find out if they were good or not. In this study, 159 Somethinc users who have also made purchases are included. Google Forms have been used to distribute the questionnaires for participants to complete in order to contribute to this research. The information was gathered and examined using the Structural Equation Method (SEM), with the assistance of SMARTPLS 3.0's partial least square tool. The result of this research turns out that celebrity endorses and online customer review have positive and significant impact on brand image, the hypothesis is accepted. Celebrity endorser and brand image have positive and significant impact on purchase intention, the hypothesis is accepted. Online customer review has positive but no significant effect on purchase intention, therefore the hypothesis is rejected. Brand image is positive and significantly mediates the impact of celebrity endorser and online customer review on purchase intention.
THE INFLUENCE OF LIVE STREAMING ON VIRTUAL EXPERIENTIAL MARKETING MEDIATED BY FOMO: A BIBLIOMETRIC ANALYSIS USING VOSVIEWER Salimah, Salma; Rufaidah, Popy
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.6765

Abstract

This study aims to propose a model that portrays the influence of live streaming through Fear of Missing Out (FOMO) on Virtual Experiential Marketing (VEM). The focus of this study is to highlight the dimensions involved in each variable that emerged from previous studies and find out the indicators related to the dimensions of live streaming, FOMO, and VEM. This study uses the Systematic Literature Review (SLR) method, which is then tested using Publish or Perish and Vosviewer software to explore new indicators of the dimension. In addition, this study utilizes Scopus, Science Direct, Emerald Insight, and other relevant journal databases to enhance the comprehensiveness of the literature review. The study discusses the findings of the similarities and differences of the dimensions that shaped the study's variables as well as the indicators to measure the dimensions of the variables. Therefore, this study proposes that the research model that exposes the influence of live streaming through FOMO on VEM can be applied by combining dimensions in the literature review and indicators from the results of the bibliometric map. The indicators to measure the above variables are: firstly, live-streaming is e-commerce, performance, and perspective; secondly, FOMO is a mental health role, social media fatigue, and addiction. Lastly, VEM is behavior, brand experience, and experiential marketing purchase intentions. This research contributes to a better understanding of the influence of live streaming through FOMO on VEM. This study applies marketing theory and consumer behavior in formulating managerial recommendations supported by empirical evidence.
THE OF VISIONARY LEADERSHIP, DIGITAL GOVERNANCE, AND DIGITAL COMPETENCE ON EMPLOYEE PERFORMANCE THROUGH WORK EFFICIENCY AS AN INTERVENING VARIABLE IN VILLAGE GOVERNMENT IN SOOKO DISTRICT, MOJOKERTO REGENCY Syah Putra, Rizky Daniar; Mujanah, Siti; Ardiana, I Dewa Ketut Raka
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.6897

Abstract

This study examines the influence of visionary leadership, digital governance, and digital competence on employee performance through work efficiency as an intervening variable among village government employees in Sooko District, Mojokerto Regency. The population consists of 124 employees, with a sample of 95 respondents determined using Slovin's formula. The data were analyzed using structural equation modeling (SEM) with a partial least square (PLS) approach. The findings reveal that visionary leadership big77 significantly affects employee performance but does not significantly impact work efficiency. Digital governance shows no significant effect on either employee performance or work efficiency. Conversely, digital competence significantly influences both employee performance and work efficiency. Additionally, work efficiency significantly impacts employee performance. Regarding the mediating role, work efficiency does not mediate the effects of visionary leadership or digital governance on employee performance. However, it significantly mediates the effect of digital competence on employee performance. In conclusion, digital competence and work efficiency are essential factors in improving employee performance. However, visionary leadership and digital governance require further strategic refinement to produce significant impacts. These results highlight the importance of enhancing digital competence and optimizing work efficiency to support the performance of village government employees.
DO FINTECH INNOVATIONS MATTER FOR THE EFFICIENCY AND STABILITY OF BANKS IN SOUTH AFRICA? Mhlongo, Njabulo; Kunjal, Damien; Muzindutsi, Paul-Francois
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7004

Abstract

Innovations in financial technology (fintech) are driving a rapid transition in the global banking system, offering more efficient, tailored, and cost-effective solutions that challenge traditional banking methods. In South Africa, the stability of the banking sector is critical to economic growth because it provides capital, manages risks, and facilitates transactions. This study investigates the impact of fintech innovations on the efficiency and stability of banks listed on the Johannesburg Stock Exchange (JSE) between 2000 and 2023 using a panel data approach. The results suggest that Fintech has a positive influence on operational efficiency, notably through mobile transactions. However, Fintech has no effect on banking sector stability, with traditional capital structures outweighing Fintech innovations. These findings emphasize the dual nature of Fintech’s impact; that is, it fosters efficiency improvements but also introduces new risks by disrupting traditional banking services through more convenient and cost-effective alternatives. As this landscape evolves, adaptive regulatory frameworks are needed to balance the benefits of technological advancements with the need for adequate protection within the banking sector.
THE INFLUENCE OF TRAINING AND DEVELOPMENT, WORK MOTIVATION AND TRANSFORMATIONAL LEADERSHIP ON EMPLOYEE PERFORMANCE THROUGH COMPETENCY AS AN INTERVENING VARIABLE Lumbantobing, Dominicus Doli Senjaya; Nadlifatin, Reny
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7073

Abstract

A company must establish core values to enhance employee competency, a crucial element for organizational progress. In the face of increasingly competitive global markets, improving employee competency is vital for fostering innovation, creativity, and the swift adoption of new technologies. This study aims to analyze the impact of training and development, work motivation, and transformational leadership on employee competency. Data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results indicate that training and development, work motivation, and transformational leadership significantly influence employee competency. Notably, work motivation had the strongest impact on employee competency, with a T-statistic value of 6.94, followed by training and development, which was identified as a key factor in enhancing employee performance, with a T-statistic value of 5.62. Further research could explore additional variables such as rewards, work-life balance, and company values using alternative models and methodologies. This study provides insights to guide management in implementing effective policies to improve employee performance in alignment with company goals and available resources.
CUSTOMER EXPERIENCE AND TRUST TO REUSE THE “COD-CEK DULU” FEATURE: A STUDY ON SHOPEE E-COMMERCE Zhulqurnain, Mohamad Rijal Iskandar; Raura, Anisa
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7118

Abstract

The Cash On Delivery (COD) feature was created to make it easier for consumers to make payments without the need for bank transfers or electronic money. However, the application of the COD payment method raises various problems in the field, not a few buyers feel that the goods they have ordered are not suitable and finally refuse to pay for the ordered goods. But currently Shopee is introducing new innovations through COD - Cek Dulu to solve the problem of the inconvenience of the previous COD payment procedure. This study aims to analyze the effect of customer experience, trust and customer satisfaction on the intention to reuse e-commerce features. This research method uses purposive sampling technique as many as 153 respondents who live in East Java, know the COD - Cek Dulu feature in the Shopee application and have made a purchase transaction at least once on the Shopee application using the COD - Cek Dulu payment method. This research data analysis uses Partial Least Square (PLS). The results of this study indicate that customer experience has a positive and significant effect on customer trust and satisfaction, trust has a positive and significant effect on customer satisfaction. Trust and customer satisfaction have a positive and significant effect on reuse intention.
THE MEDIATING ROLE OF JOB SATISFACTION AT PT. POS INDONESIA SURABAYA ON EMPLOYEE PERFORMANCE Sumiati, Sumiati
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7148

Abstract

The organization must foster employees' passion and excitement for their work to enable them to collaborate and complete projects on schedule while feeling fully accountable. This study examines the impact of work-life balance, workload, and work spirit on employee happiness. Examine whether employee satisfaction functions well as a mediator as well. In the Indonesian city of Surabaya, PT Pos Indonesia employees were surveyed for this study. employing a purposive sample of 155 respondents who have worked for at least a year and are at least 18 years old. After that, structural equation modeling was used to examine the data. The results demonstrate that work- life balance, workload, and work-ethics ethos all positively impact employee satisfaction. Additionally, studies demonstrate that the relationships among work-life balance, workload, and employee spirit and performance are mediated by employee satisfaction. By using a paradigm for measuring employee performance and satisfaction applicable to all businesses, this study advances our understanding of employee behavior.
THE INFLUENCE OF BRAND IMAGE AND PROMOTION ON ZIS PAYMENT DECISIONS THROUGH ECOMMERCE WITH CONSUMER TRUST AS A MEDIATING VARIABLE Hasibuan, Januar Khaidir; Herawati, Aty
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7155

Abstract

This study aims to analyze the influence of brand image and promotion on Zakat, Infaq, and Shadaqah (ZIS) payment decisions through e-commerce, with consumer trust as the mediating variable. Along with the rapid development of information technology and e-commerce, digital platforms have become an important channel for philanthropic transactions, including ZIS payments. In Indonesia, the National Amil Zakat Agency (Baznas) has utilized e-commerce platforms to make it easier for people to fulfill their zakat obligations. However, there was a significant decrease in the number of ZIS payments in 2023, which prompted the need gacor777 for this study. This study uses a type of quantitative research with convenience sampling techniques. The sample consisted of 150 respondents who made ZIS payments through e-commerce, and the data was collected through questionnaires distributed using Google Forms. Data analysis was carried out using the SEM-PLS technique through SmartPLS software. The results show that brand image has a positive and significant influence on consumer confidence (p-value = 0.000) and ZIS payment decisions (p-value = 0.027). Promotions, on the other hand, did not show a significant influence on consumer confidence (p-value = 0.190) nor payment decisions (p-value = 0.243). Consumer confidence was proven to have a significant positive influence on ZIS payment decisions (p-value = 0.000). This study concludes that brand image plays an important role in increasing consumer trust and influencing ZIS payment decisions through e-commerce. While promotions did not show a significant impact in this context, the results provided insight into the importance of strengthening brand image to increase consumer trust and participation. Baznas needs to focus on strengthening its brand image and evaluating promotional strategies to address the decline in ZIS payments and improve the effectiveness of fundraising campaigns.
EFFECTIVENESS OF VAT ON NEPALESE ECONOMY PROXIED TO GDP WITHOUT AGRICULTURE Sah, Binod; Gyanwali, Achyut; Singh, Sanju Kumar
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7157

Abstract

This paper pursues to examine the contribution of Value added tax (VAT) on Nepalese economy (GDP) in aggregate level without agriculture. It, therefore, analyzes the influence of VAT on GDP in aggregate level without agriculture.  This study adopts descriptive and explanatory research design and attempts to conclude the liaison between VAT and the GDP without agriculture, exchange rate, market capitalization money supply and government spending at real price being the overriding variables included in the model. In order for the specification of a model of cointegrated regression model with a time series data of the variables are employed for the study period of 25 years, from 1999/2000 to 2023/24. The values of all the variables are converted into real price (constant price) by GDP deflator. The GDP deflator and CPI year 2013/14 have been assumed equivalent to the base year 2013/14 according to Nepalese fiscal year. Meanwhile it is observed that residuals are not normally distributed, autocorrelation and multicollinearity problem in the model, it is necessary to improve the non-normal distribution, autocorrelation and multicollinearity problem in the model. Therefore, the data are transposed into first difference and run the model with error correction model. The   shows that the explanatory power situs slot gacor terpercaya gacor of the model is 0.528 indicating that 52.89 % of the variation of GDP is explained to the extent of 52.8  by percent variation of the independent variable in the model. The diagnostic test suggests that the residuals do not violet classical assumptions. The lagged residuals from II equation of Table 2 are statistically significant indicating the acceptable ground to take variable as cointegrated set. The result allows long-run and short-run dynamics of all the relationship between GDPWA and VAT. The estimated coefficient of VAT in error correction model shows that one percent point rise in VAT has led to 0.438 percent point increase in real GDPWA in short-run, whereas it is found 0.558  percent point in long-run. It means that short-run marginal productivity of VAT is 0.438 percent point, whereas its long-run percent point is 0.558.

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