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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.
Arjuna Subject : -
Articles 224 Documents
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FINTECH-BASED LENDING PLATFORM AWARENESS FRAMEWORK FOR MICROBUSINESS OWNERS IN NAGA CITY Dimaculangan, Alexander
Jurnal Bisnis dan Keuangan Vol 11 No 1 (2026): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v11i1.8575

Abstract

This study investigated the adoption of financial technology (FinTech) lending platforms among microbusiness owners in Naga City, Philippines. Specifically, it determined the FinTech lending platforms adopted, in terms of provider choice, usage extent, and perceived loan characteristics; the factors influencing adoption; the challenges encountered; and the development of an awareness framework to support informed adoption. A mixed-method research design was employed, combining quantitative survey data and qualitative insights from open-ended responses. A total of 100 microbusiness owners who had applied for or received FinTech loans within the past 24 months were selected using quota sampling to ensure representation across business types and operational profiles. The findings showed that microbusiness owners selectively adopted FinTech lending platforms, but once adopted, they used these platforms extensively for essential financing activities. Usability emerged as the most influential adoption factor, and financial challenges were identified as the most significant challenge. The thematic analysis revealed persistent confusion about interest computation, loan terms, data privacy, and repayment policies, along with a strong demand for clearer explanations and educational support. Based on these findings, a FinTech awareness framework was developed to address identified knowledge gaps and support informed use of FinTech lending platforms. The study concluded that while FinTech lending platforms provide accessible financing options for microbusiness owners, effective adoption depends on clarity, trust, usability, and targeted financial education. The results contribute localized empirical evidence to the literature on digital financial inclusion and offer practical guidance for FinTech providers, policymakers, and microbusiness stakeholders.
7P MARKETING STRATEGY DESIGN IN AN EFFORT TO INCREASE SALES IN SPA SERVICES: A CASE STUDY AT FRESHMINT SPA LAMONGAN Achmad, Marita Nur; Radianto, Wirawan Endro Dwi
Jurnal Bisnis dan Keuangan Vol 11 No 1 (2026): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v11i1.8504

Abstract

This study aims to design a 7P marketing strategy (Product, Price, Place, Promotion, People, Process, and Physical Evidence) to increase sales performance at Freshmint Spa Lamongan. The research is motivated by the growing competition in the local spa industry and the fluctuation in customer visits that affects business revenue. Using a qualitative approach with a constructivist paradigm and a case study method, data were collected through in-depth interviews, field observations, and documentation key informants including the owner, employees (therapists), and customers of Freshmint Spa. The data were analyzed through reduction, presentation, and inductive conclusion drawing. The results indicate that the integrated implementation of the 7P marketing mix can enhance competitiveness and strengthen positive customer perceptions of Freshmint Spa's services. The elements of promotion, people, and physical evidence have the most significant influence on increasing visit frequency and customer loyalty, while process and product play a crucial role in maintaining consistent service quality. The proposed strategy design is expected to serve as a guideline for Freshmint Spa in developing customer-oriented marketing efforts and as a practical reference for similar spa businesses to improve their sales performance sustainably.
THE INFLUENCE OF HUMAN RESOURCE POLICIES AND PRACTICES ON JOB PERFORMANCE OF GEN Z MEDIATED BY PERCEIVED ORGANIZATIONAL SUPPORT Romadhoni, Firmansyah; Nadlifatin, Reny
Jurnal Bisnis dan Keuangan Vol 11 No 1 (2026): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v11i1.8541

Abstract

This study investigates the influence of Human Resource (HR) policies and practices on Generation Z’s job performance within the manufacturing sector under significant economic pressure, using Social Exchange Theory (SET) as the guiding framework. A quantitative research design was employed, collecting data from 150 Generation Z workers in Pasuruan Regency's labor-intensive sub-sectors, with data analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM) and validated through HTMT for discriminant validity, alongside SRMR and Q2 for structural integrity and predictive relevance. The empirical results reveal that while Compensation & Benefits and Equality & Diversity significantly enhance job performance, factors such as Training & Development, Career Development, and Reward & Recognition show no significant effects in this constrained context. Furthermore, Perceived Organizational Support (POS) was confirmed as a critical psychological mediator in these relationships. These findings imply that during economic distress, firms should prioritize basic rights and inclusive environments over long-term development programs to sustain productivity. This study contributes to the SET literature by identifying boundary conditions for the norm of reciprocity and offering unique insights into how non-financial social investments drive performance among Generation Z during economic contraction.
HOW LOGISTICS COST DRIVES SATISFACTION AND CONTINUOUS-USE INTENTION IN E-COMMERCE Kho, Jeffry Richie; Andajani , Erna; Kusumawardhany, Prita Ayu
Jurnal Bisnis dan Keuangan Vol 11 No 1 (2026): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v11i1.8641

Abstract

The rapid growth of e-commerce volume in Indonesia has led consumers to demand logistics service providers that are fast, efficient, and high in quality. This phenomenon creates challenges in logistics cost management, which can influence customer satisfaction and their intention to continue using the service. This study analyses how logistics cost management influences customer satisfaction, which has a long-term impact on customers’ continuous-use intention logistics services in the e-commerce context. This research collected online survey data from 191 active online sellers across various e-commerce platforms in Indonesia and was analysed using the PLS-SEM method with SmartPLS 4 software. The results show that cost has a significant positive effect on service quality, technology usage, transportation time, and product condition. In addition, technology usage, transportation time, and product condition are also found to have a significant positive effect on customer satisfaction. However, service quality does not have a significant effect on customer satisfaction. Furthermore, customer satisfaction has a significant positive effect on continuous-use intention, confirming that customer satisfaction is a key factor in fostering customer loyalty and encouraging repeated use of the same logistics services. These findings highlight the importance of cost efficiency, technological adoption, delivery speed, and optimal product condition in strengthening business competitiveness and customer retention in the e-commerce industry. This study contributes theoretically and extends the academic literature on the importance of cost management in logistics services to maintain business sustainability, particularly in the e-commerce sector.

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