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BALANCE: Economic, Business, Management and Accounting Journal
Published by Universitas Muhammadiyah Surabaya
ISSN : 16939352     EISSN : 2614820X     DOI : -
Core Subject : Economy, Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
BALANCE merupakan jurnal yang diterbitkan oleh Fakultas Ekonomi & Bisnis Universitas Muhammadiyah Surabaya. Jurnal ini menfokuskan pada publikasi hasil penelitian dan artikel ilmiah tentang ekonomi, bisnis, manajemen dan akuntansi.
Arjuna Subject : -
Articles 301 Documents
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The Impact of Fintech Payments and Financial Literacy on Student Financial Management Behaviour Khotimah, Khusnul; Puspitasari, Intan; Galih Prasaja, Mahendra
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.23795

Abstract

This study aims to ascertain how much fintech payments and financial literacy influence the money management behaviors of Muhammadiyah University Purworejo students. Students at the Muhammadiyah University Purworejo Class of 2019–2021 served as the research population. Using non-probability sampling approaches and a quantitative methodology, 318 respondents made up the study's sample. Multiple linear regression analysis approaches are used for initial data processing in SPSS version 25 (Statistical Package for Social Science). The study's findings demonstrate that students' money management practices are significantly and favorably impacted by financial literacy to some extent. Fintech payments significantly and advantageously impact how students handle their finances. Financial literacy and fintech payments simultaneously have a significant, positive impact on students' money management practices. You can effectively manage your fintech payment usage and make wiser and more fruitful future financial decisions if you thoroughly understand money
The Effect of Financial Literacy on Millennial Generation's Investment Decisions in BRIS Stocks Rendi Shafira, Dhafa; Puspitasari, Intan; Galih Prasaja, Mahendra
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.23832

Abstract

Currently, the modernization era has changed human life and work. One of the things that is presently being considered is the level of financial literacy. One of the financial literacy in a person's investment decision. The purpose of this study is to examine the influence of financial literacy on the investment decisions of the millennial generation in BRIS stocks. This research is quantitative. The primary data used was taken from questionnaires given to respondents. Data testing is carried out by validity, reliability, and significance test testing (multiple linear). The results of the study showed that the level of financial literacy using the variable indicators of financial knowledge, financial attitudes, and financial behavior had a combined effect of 64% on investment decisions. Meanwhile, the remaining 36.0% of individual investment decisions are influenced by other variables that are not explained in this study
Analysis of the Impact of Value Added in the Manufacturing Industry on Economic Growth in Indonesia Safar Nasir, Muhammad; Suripto
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24179

Abstract

This study investigates the impact of specific factors on Indonesia's economic growth across different time frames using the ARDL analysis model in Eviews 10 software. The research reveals that in the long term, increases in value added from the manufacturing sector and foreign direct investment are associated with positive and notable effects on economic growth. In the short term, enhancements in manufacturing value-added, government expenditure, population growth, and foreign direct investment contribute positively and significantly to economic growth. Conversely, inflation negatively influences economic growth in the short term. These findings are instrumental in comprehending Indonesia's economic growth drivers and provide valuable insights for policymakers and stakeholders aiming to devise effective strategies to foster economic development
Exploring The Influence of Unforgettable Tourism Experience on Revisit Intention: The Mediating Role of Tourist Satisfaction Agata, Muhamad Ikhsan; Ajeng Pramesti, Diesyana
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24239

Abstract

This research aims to analyze the mediating role of tourist satisfaction in the relationship between memorable tourist experiences and tourist experiences on their intention to return to the natural scenic destination of Ketep Pass. The research methodology adopts a quantitative approach, using questionnaires for data collection and Structural Equation Modeling (SEM) as an analysis technique. The research involved 110 respondents who had visited Ketep Pass at least twice. The study findings show an intention to revisit, and the analysis results show that tourist experience and satisfaction variables significantly influence this variable. Meanwhile, the effect of memorable experiences is not statistically significant. This research proves that efforts to create unforgettable experiences alone cannot guarantee that tourists will return. Managers need to pay attention to other more dominant factors, such as overall satisfaction and the unique characteristics of their destination
Revitalization Strategies In Human Resource Development Djatola, Hariyanto R; Hilal, Nur
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24361

Abstract

This research aims to analyze and identify practical human resource (HR) development strategies to improve quality and productivity. The main focus of this study is to formulate strategic approaches that management can use to enhance employees' competencies, skills, and motivation, aligning them with organizational needs and changes in the business environment. The research method used is descriptive qualitative research, which generates descriptive data from observable individual behaviors expressed in written or spoken language. Data collection is carried out through informant interviews or direct observation. Since the study employs a qualitative design, the researcher cannot make short-term assumptions about the observed events. The findings reveal several threats and weaknesses, with a low score of 2.23, such as intense labor market competition and resource constraints in certain areas. The strength-threats analysis shows a score of 3.49, indicating that these challenges can be addressed by optimizing existing strengths and reinforcing the organization’s position through a holistic and sustainable HR development strategy. The implications of this research suggest that implementing strategies based on internal strengths will strengthen the organization's position in managing resource limitations and external threats. The recommendation is to enhance synergy between the HR department and other organizational units to create more integrated and adaptive HR development policies
Exploring Financial Bootstrapping and Financial Capital Through Financial Literacy to Enhance Micro Business Performance in Madura's Culinary Industry Purnamawati, Purnamawati; Rachmawati, Eka; Gitayuda, M. Boy Singgih
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24391

Abstract

Funding management for culinary micro-enterprises in Madura requires real action, including applying financial literacy indicators, regarding the study of how financial capital and bootstrapping affect micro-enterprises performance in the Madura culinary industry. This study aimed to examine the effect of financial bootstrapping and financial capital through financial literacy on microbusiness performance. The method used in this research is quantitative. The sampling technique used was purposive sampling with research respondents of culinary micro businesses in Madura. The sample obtained was 110 respondents. The data in this study used primary data, namely a questionnaire. The results showed that increasing financial literacy is the key to maximizing resource potential and improving micro-business performance in the Madura culinary sector. In the context of research on the effect of financial bootstrapping and financial capital on the performance of micro-businesses in the culinary industry in Madura, supported by Pecking Order Theory (POT), it provides a relevant framework for understanding the financing decisions taken by business actors. This research provides an overview of empirical support related to good financial literacy's importance in improving financial management and microbusiness performance.
The Forecasting Inflation Movements in East Java Province Using the Auto-Regressive Integrated Moving Average (ARIMA) Approach Budi Prasasti, Karari; Murdiyanto, Edi; Dwi Yulianti, Tiara; Aditama Putra Mukti Wibawa, Wahyu
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24530

Abstract

East Java is the province with the largest population in Indonesia. In addition, East Java's economic growth rate is the highest on the island of Java. The economic growth needs to be supported by other economic indicators. One of the most important macroeconomic indicators is inflation. This study discusses the inflation forecasting for East Java towards the end of 2024. Financial forecasting is crucial as it serves as the basis for government decision-making. The forecasting technique used in this study is ARIMA. The tests indicated that inflation in East Java will decrease towards the end of the year. In December, East Java will experience deflation of -1.75%. Meanwhile, in January and February 2025, the inflation rates were -2.07 and -2.39, respectively. Therefore, the East Java government must implement policies to anticipate this situation.
The Effect of Work Environment, Organizational Culture, and Work Engagement on Work Stress through Workload as a Mediating Variable Putra, Muhammad Ihsan Sumarlan; Budi Santoso, Anton
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24751

Abstract

The enormous scope of management and supervisory tasks by the Bureau of BUMD, Investment, and Development Administration of West Java affects employees' high workload and stress levels. This study aims to determine the impact of the work environment, organizational culture, and work engagement on work stress through employee workload. The sampling technique used was saturated sampling; thus, all 50 employees were used as samples. The data collection technique used a questionnaire, which was then analyzed with SEM using Smart PLS 4.0. The study found that the work environment, organizational culture, engagement, and workload did not affect work stress. In contrast, work engagement significantly positively affected employee work stress. The work environment did not affect workload, while organizational culture positively affected employee workload. The workload could not mediate the influence of the work environment, organizational culture, or work engagement on employee work stress.
Measuring the Repurchase Intention of Islamic Retail Stores through the Concepts of Islamic Brand Image, RSQS, and Price Perception Kalimatulah, Muhamad Riza; Danurwindo, Muhammad Alhakim
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.25386

Abstract

This study examines the effect of Islamic Brand Image, Retail Service Quality Scale, and Price Perception on Repurchase Intention at Suryamart Islamic Retail Stores. The survey method for data collection in this study uses a questionnaire, where respondents who have purchased more than one purchase. Multiple Linear Regression using SPSS 24 was applied to examine the proposed connections within the analysis model. The results demonstrate that every direct effect in the suggested model has an important impact, with the exception of the connection between RSQS and Repurchase Intention which has no significant effect. The result of this study that Suryamart Islamic Retail Store, Islamic Brand Image positively influences repurchase intention, while Service Quality (RSQS) does not significantly affect repurchase intention. However, Price Perception significantly enhances repurchase intention. When considered simultaneously, all independent variables collectively have a positive influence on repurchase intention
Impact Of Multiple Positions And Organizational Culture On Job Performance At Asca Elpida Service Bureu Maretasari, Rina; Mukhlis, Imam
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.25535

Abstract

The psychology bureau is a place for the public to tell a problem to the experts or psychological tests for job recruitment, psychological tests for students, and other IQ tests. AscaElpida Service Bureau is an institution engaged in services. Based on this, the research aims to find out the effect of dual positions and work culture on work performance at the AscaElpida service bureau. The research method used is qualitative. Data will be collected using interviews, observation, and documentation with as many as 2 informants. The study results indicate that job performance at the AscaElpida Service Bureau is the target that has been achieved. The number of customers increased, and there are multiple positions, namely leaders who carry out more than one activity and are carried out with one person. The organizational culture applied to the Asca Elpida Service Bureau is not optimal enough. This makes employees less efficient or can hinder work. Concurrent positions and organizational culture should be controlled and given maximally so that employees can pay more attention to performance for better performance.

Page 29 of 31 | Total Record : 301

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