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Journal of Management and Business Innovations
Published by Universitas Islam Negeri Sumatera Utara
ISSN : -     EISSN : 26865602     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Journal of Management and Business Innovations (JOMBI) is an online peer-reviewed International research journal aiming at promoting and publishing original high quality research in all disciplines of management and business. JOMBI is a journal that published by the Department of Management, Faculty of Islamic Economics and Business Universitas Islam Negeri Sumatera Utara Medan Indonesia. JOMBI published a journal twice a year, in June and December. The mission of JOMBI is to share, develop and facilitate the output of research papers about Management and Business.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Sistem Informasi Menejemen
Articles 89 Documents
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Reconstructing Professional Zakat: A Payment Model for Gig Economy Workers in Surabaya Najah ahmadun; Basar Dikuraisyin
Journal of Management and Business Innovations Volume: 07, Number: 02, 2025
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v7i02.26683

Abstract

The development of the gig economy has transformed income streams into irregular, project-based arrangements, posing new challenges for the concept of calculating professional zakat. Meanwhile, discussions on fiqh and zakat legislation remain focused on fixed income structures. This creates a conceptual gap in the application of professional zakat in the gig economy ecosystem. This study aims to formulate a new concept in the professional zakat calculation model in the context of the gig economy, focusing on digital market platform workers such as influencers and TikTokers in Surabaya with a sample of three influencers and two TikTokers. This study uses a qualitative phenomenological approach, collecting data through in-depth interviews. The results show that zakat in the gig economy is calculated based on real-time income flows rather than annual accumulations. This model reflects contextual justice and spiritual accountability, in accordance with the principles of maqasid sharia. This research contributes a new zakat calculation model that is suitable for contemporary gig-based livelihoods, which is ultimately unique because it offers theoretical refinement and practical guidance for modern zakat governance. Keyword: Gig Economy, Profesional Zakat, Zakat Payment
The Impact of Personal Service, Product Quality, and Comfort on Guest Satisfaction at Yanyan Resort Ubud I Ketut Susila; Luh Komang Candra Dewi; I Gede Anindya Perdana Putra; Alma Vorfi Lama
Journal of Management and Business Innovations Volume: 07, Number: 02, 2025
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v7i02.25453

Abstract

This study aims to examine the influence of personal service, product quality, and comfort on guest satisfaction at Yanyan Resort Ubud, Bali-a competitive hospitality destination renowned for its cultural and natural appeal. Employing a quantitative descriptive approach, data were collected through structured questionnaires distributed to 50 resort guests. The analysis used multiple linear regression after conducting validity, reliability, and classical assumption tests. The results demonstrate that personal service, product quality, and comfort each have a significant and positive effect on guest satisfaction, both individually and collectively. Specifically, personalized attention, well-maintained facilities, and a tranquil environment were key drivers of a satisfactory guest experience. These findings suggest that sustained improvements in service quality, infrastructure, and environmental comfort can substantially enhance guest satisfaction. The study provides practical implications for hospitality managers, recommending regular staff training, continuous facility upgrades, and a strong emphasis on cleanliness and guest-centered services. By implementing these strategies, resorts like Yanyan Resort Ubud can foster customer loyalty, generate positive word-of-mouth, and improve long-term competitiveness in the tourism industry. Keywords: personal service, product quality, comfort, satisfaction
AI Marketing Management and Data Privacy Compliance: Effects on Consumer Behavior and Loyalty Eka Putri Yudilestari; Istianah Setyaningsih; Mutiara Andayani Komara; Tarmudi Tarmudi
Journal of Management and Business Innovations Volume: 07, Number: 02, 2025
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v7i02.28126

Abstract

Artificial Intelligence (AI) has significantly transformed digital marketing within e-commerce. However, the effects of AI on customer loyalty, data ethics, and legal compliance are frequently examined in isolation, resulting in limited understanding of their combined influence in developing markets. This study investigates how AI-based marketing, ethical considerations, and legal regulations affect the loyalty of Shopee users in West Java, with a focus on Generation Z and Millennials. A survey of 120 individuals from the academic community in West Java was conducted, and multiple linear regression was employed to ensure analytical accuracy and reliability. The results indicate that AI-driven marketing, responsible data management, and adherence to legal regulations collectively enhance online customer loyalty. Notably, compliance with personal data protection laws emerged as the most influential factor in fostering loyalty. Although AI facilitates personalized marketing, regulatory clarity and transparency are the primary drivers of sustained user trust. The findings suggest that contemporary customer loyalty depends not only on technological innovation but also on transparent data practices and robust legal compliance. This research provides online businesses with foundational guidance for maintaining success through responsible conduct and the protection of user data. Keywords: Artifficial Intelligence, Customer Loyalty, Data Ethics, E-commerce, Legal Compliance
Analysis of Liquidity And Solvability Ratios In Assessing The Ability To Pay Obligations At PT Pegadaian Using An Islamic Accounting Nur Yanti; Muhammad Fakhri Amir; Masyhuri Masyhuri
Journal of Management and Business Innovations Volume: 08, Number: 01, 2026
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v8i01.30011

Abstract

This study evaluates PT Pegadaian's ability to fulfill its short- and long-term financial obligations through liquidity and solvency analysis for the 2020–2024 period. The novelty of this research lies in its dual-perspective framework, integrating conventional financial ratio analysis with Islamic accounting values to assess both financial stability and Sharia compliance. A mixed-method approach with a convergent parallel design was employed, combining quantitative analysis of liquidity and solvency ratios with qualitative analysis based on Islamic accounting literature. Data were obtained from PT Pegadaian’s annual financial reports published on the company’s official website. The findings indicate that the Current Ratio ranged from 149.7% to 173.8%, reflecting a healthy liquidity position, while the Quick Ratio ranged from 148.5% to 172.5%, indicating healthy to very healthy performance. However, the Cash Ratio remained below the ideal standard, ranging from 0.57% to 1.43%, suggesting limited cash relative to current liabilities. Regarding solvency, the average Debt-to-Asset Ratio of 62.5% indicates a relatively healthy financial condition, whereas the Debt-to-Equity Ratio ranged from 150.5% to 190.5%, reflecting high reliance on external financing. From an Islamic accounting perspective, PT Pegadaian has implemented the principles of trustworthiness, transparency, and responsibility, although the principle of tawazun in its capital structure has not been fully achieved. Keywords: Ability to Pay Obligations, Islamic Accounting, Liquidity Ratio, Solvability Ratio
Local Asset Utilization Model for Productive Zakat in Empowering Mustahik LAZNAS Baitulmaal Muamalat East Java Ahmadun Najah; Abdul Hakim
Journal of Management and Business Innovations Volume: 08, Number: 01, 2026
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v8i01.30088

Abstract

This study analyzes the productive zakat utilization model implemented by LAZNAS Baitulmaal Muamalat East Java through the Oyster Mushroom House program as an effort to increase their economic independence. This study focuses on identifying the productive zakat model implemented in the program and analyzing the managerial aspects in supporting its sustainability. Using a descriptive qualitative approach, data were collected through in-depth interviews and document analysis involving LAZNAS Baitulmaal Muamalat East Java managers and beneficiaries. The results show that the program adopts an integrated productive zakat model consisting of beneficiary selection, entrepreneurship training, provision of production facilities, technical assistance for cultivation, managerial mentoring, and periodic evaluation. Technical assistance improves cultivation skills and production quality, while managerial mentoring strengthens business planning, financial management, and market access. These interventions contribute to increasing the economic capacity and business sustainability of beneficiaries, although income growth remains fluctuating due to production and market constraints. Keywords: LAZNAS, Local Asset Program, Mustahik, Productive Zakat
The Influence of Sharia Compliance Dimensions on Sharia Standard Implementation in Beauty Care Services Andi Faradilla; Rahma Hidayati Darwis; Fitriani Fitriani
Journal of Management and Business Innovations Volume: 08, Number: 01, 2026
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v8i01.30095

Abstract

The rapid growth of the halal beauty industry has increased the demand for beauty services that comply with Islamic principles. However, empirical studies examining sharia compliance at the organizational level of beauty service providers remain limited. This study aims to analyze the influence of three dimensions of sharia compliance, namely product halalness, service ethics and aurah protection, and spiritual values and sharia branding, on the implementation of sharia standards at Arnhilah Aesthetic Care Clinic. A quantitative approach was employed using a survey of 101 clinic customers selected through accidental sampling. Data were analyzed using multiple linear regression with SPSS. The results indicate that product halalness has the strongest positive and significant effect on sharia standard implementation (β = 0.602; p < 0.001), followed by service ethics and aurah protection (β = 0.173; p = 0.023). Spiritual values and sharia branding also demonstrate a positive effect, although with marginal significance (β = 0.183; p = 0.050). Simultaneously, the three dimensions explain 49.4% of the variance in sharia standard implementation. These findings suggest that comprehensive implementation of sharia standards requires the integration of halal product assurance, ethical service practices, and authentic Islamic organizational values. The study contributes to the development of multidimensional sharia compliance assessment in beauty service organizations. Keywords: Halal Cosmetics, Islamic Business Ethics, Sharia Compliance, Sharia Standard Implementation
Income Dynamics of Female Traders in Border Markets Post-Revitalization Marce Sherly Kase; Margareta D. Pangastuti; Yani Aprilini; Desmon R. Manane
Journal of Management and Business Innovations Volume: 08, Number: 01, 2026
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v8i01.30142

Abstract

Traditional Government-led revitalization of traditional markets is intended to bolster competitiveness and improve traders' financial well-being. However, empirical literature remains divided regarding the actual outcomes of these initiatives on trader income. This study investigates the impact of market revitalization on female traders at the Kefamenanu Old Market, while also evaluating how business capital, operational hours, and professional experience influence their earnings. Adopting a quantitative approach, this research utilized primary data gathered from 50 female merchants who were active prior to the revitalization program. The methodology involved observational data and surveys, analyzed through classical assumption tests, paired sample t-tests, and multiple linear regression. The results reveal a statistically significant income growth following the revitalization project (p=0.002), with average earnings rising from IDR 5,501,000 to IDR 6,307,000. Moreover, the data indicates that business capital, the number of hours worked, and business longevity are key drivers of income, accounting for 56% of the variance (R^2=0.560). These findings underscore that when market upgrades are coupled with sufficient capital, increased labor input, and accumulated experience, they effectively enhance both the revenue and economic resilience of female traders. Keywords: Business Capital, Female Traders, Length of Business, Market Revitalization, Traders' Income, Working Hours
The Influence of Price Perception and Product Quality Perception on Purchase Intention toward Local Bag Brand Rashaky Arya Vito
Journal of Management and Business Innovations Volume: 08, Number: 01, 2026
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v8i01.30318

Abstract

This research investigates how consumers’ views on price and product quality impact their intention to purchase Lataphat Leather Goods using the Theory of Planned Behavior (TBP). The use of high-quality materials leads to higher product prices, prompting an inquiry into whether consumers’ perceptions of price and quality affect their purchasing intentions. This study utilized a quantitative causal methodology with 100 respondents selected through purposive sampling. Data collection involved a Likert-scale of five-point questionnaire, which was analyzed utilizing PLS-SEM via SmartPLS ver. 4. The results illustrate that both price perception and product quality perception significantly and positively influence purchase intention, with price perception having a slightly greater impact. These findings affirm that consumers' cognitive assessments of price and product quality are crucial factors influencing their purchase intentions. This study enhances the application of TPB regarding local bag products and offers practical recommendations for effective pricing and product development strategies. However, the findings are limited to a single local bag brand and two explanatory variables, which may restrict their generalizability to other products and contexts. Keywords: Local Brand, Price Perception, Product Quality Perception, Purchase Intention, Theory of Planned Behavior
The Influence of Financial Literacy and The Use of E-Wallets on The Consumptive Behavior of Generation Z in Medan City Julita Julita
Journal of Management and Business Innovations Volume: 08, Number: 01, 2026
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v8i01.30860

Abstract

The rapid development of financial technology has transformed payment systems, particularly through the widespread use of e-wallets among Generation Z. While digital payment services provide convenience and efficiency, they may also encourage excessive consumptive behavior if not accompanied by adequate financial literacy. This study aims to analyze the influence of financial literacy and e-wallet usage on the consumptive behavior of Generation Z in Medan City. This research employed a quantitative associative approach using questionnaire data collected from 100 Generation Z respondents who actively use e-wallets. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The structural model assessment shows that e-wallet usage significantly increases consumptive behavior (, , ) while better financial literacy helps individuals make more rational financial decisions and controls impulsive spending. These findings contribute to the growing literature on digital financial behavior and provide practical implications for improving financial literacy among Generation Z.Keywords: Consumptive Behavior,  Digital payment, E-Wallet, Financial Literacy

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