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Jurnal Ilmiah Edunomika (JIE)
Published by STIE AAS Surakarta
ISSN : -     EISSN : 25981153     DOI : https://dx.doi.org/10.29040/jie
Core Subject : Economy, Science, Education,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education
Jurnal Ilmiah EDUNOMIKA dengan ISSN 2598-1153, diterbitkan 2 (dua) kali setahun (Pebruari dan Agustus) oleh LPPM STIE AAS Surakarta bekerjasama dengan Pusat Kajian Pendidikan dan Ekonomi (PUSKAPE), Yayasan Keluarga Muslim Al Azarul Ulum Sukoharjo. Terbit pertama pada bulan Pebruari 2017. Redaksi mengundang para guru, akademisi (dosen atau peneliti) dan praktisi terkait (Sekolah, Perguruan Tinggi, Pemerintahan, LSM, dan lain-lain) untuk dapat mengirimkan artikel dengan kajian ekonomi dan pendidikan ke Jurnal Ilmiah Edunomika (JIE).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 3,099 Documents
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PERAN PIALANG ASURANSI DALAM PENYELESAIAN SENGKETA WANPRESTASI PERUSAHAAN ASURANSI BERDASARKAN PRINSIP PERLINDUNGAN KONSUMEN Afadya Faisal Dhio Auli; M. Fakih; Budiyono
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19451

Abstract

Pialang asuransi memiliki posisi strategis sebagai intermediari antara konsumen dan perusahaan asuransi yang seharusnya dapat berperan dalam penyelesaian sengketa wanprestasi. Penelitian ini mengkaji peran pialang asuransi dalam menyelesaikan sengketa wanprestasi perusahaan asuransi ditinjau dari perspektif perlindungan konsumen. Penelitian menggunakan metode hukum normatif dengan pendekatan perundang-undangan, pendekatan kasus, dan pendekatan teoretis. Kasus gugatan wanprestasi terhadap AJB Bumiputera 1912 oleh 44 pemegang polis senilai Rp 679 juta menjadi contoh empiris minimnya peran pialang dalam advokasi konsumen. Hasil penelitian menunjukkan bahwa pialang asuransi belum optimal menjalankan fungsi perlindungan konsumen karena keterbatasan regulasi yang mengatur kewajibannya dalam penyelesaian sengketa, konflik kepentingan dengan perusahaan asuransi, dan lemahnya mekanisme pengawasan. Pialang asuransi seharusnya berperan sebagai mediator, advokat konsumen, dan penyedia informasi dalam proses penyelesaian sengketa wanprestasi berdasarkan prinsip keseimbangan, transparansi, dan keadilan sebagaimana diamanatkan dalam Undang-Undang Perlindungan Konsumen. Diperlukan penguatan regulasi yang mewajibkan pialang asuransi untuk aktif mendampingi konsumen dalam penyelesaian sengketa dan mekanisme pengawasan yang lebih ketat terhadap praktik pialang asuransi. Kata Kunci: Pialang Asuransi, Wanprestasi, Penyelesaian Sengketa, Perlindungan Konsumen, Perusahaan Asuransi
SNAP-Based Open Ecosystem Banking Business Model: An IMRAD Framework for Scalability, Fintech Collaboration, and API Monetization Tobing, Easter Borny Uliarta; Saripudin
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19453

Abstract

Digital banks are increasingly transitioning from product-centric institutions to platform orchestrators that enable multi-actor financial ecosystems through standardized application programming interfaces (APIs). In Indonesia, Standar Nasional Open API Pembayaran (SNAP)—issued by Bank Indonesia—formalizes technical, data, security, governance, and risk requirements to support interoperability and safe collaboration in payment-related Open APIs Source. This study develops an IMRAD-based conceptual framework for a SNAP-based open ecosystem banking business model and explains how standardization can accelerate scaling, strengthen fintech partnerships, and unlock API monetization opportunities while maintaining regulatory alignment. Using a qualitative, document-driven approach, the research synthesizes SNAP regulatory materials with established literature on platform ecosystems, ecosystem governance, and API management capability. The analysis maps SNAP’s regulatory scope (interconnection/interoperability, information security, governance, and risk management) into actionable design dimensions for digital banks, including API portfolio structuring, partner onboarding mechanisms, consent/authorization controls, and third-party risk governance Source. The resulting framework highlights three strategic outcomes. First, SNAP reduces bilateral integration complexity by encouraging standardized interfaces and shared implementation practices, improving ecosystem readiness and time-to-market. Second, it enables scalable collaboration by clarifying stakeholder roles and governance expectations across banks, payment service providers, and non-bank partners. Third, it supports new revenue logics—such as usage-based pricing, tiered access, and value-added API services—by treating APIs as managed products within a governed platform. The study concludes that SNAP can function as a national-level “rulebook” for ecosystem banking, helping digital banks shift from standalone service providers to trusted enablers of Indonesia’s digital economy while balancing innovation, security, and compliance.
Dampak Implementasi Core Values BerAKHLAK dan Employer Branding Aparatur Sipil Negara terhadap Kualitas Pelayanan Publik di BKPSDM Kabupaten Kebumen Marhati Dwi Cahyani; Sri Wahyuningsih
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.18898

Abstract

Optimal public service is a key indicator of successful bureaucratic reform. To achieve this, the government promotes the internalization of BerAKHLAK core values and strengthening the employer branding of civil servants (ASN) to fostor a professional work culture. However, there remains a gap between ideal values and their implementation in the field, affecting public perception of service quality. This study aims to analyze the influence of BerAKHLAK core values and ASN employer branding on the quality of public services. A quantitative approach was used, with a survey of 122 respondents selected through purposive sampling. Data were using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS version 4 software. The results show that BerAKHLAK core values do not have a significant effect on public service quality, while ASN employer branding has a positive and significant effect. These findings indicate that a strong employer brand contributes more effectively to improving service quality then merely applying of organizational values. Therefore, it is recommended that BKPSDM strengthen the internalization of BerAKHLAK values and develop ASN employer branding in a structured and sustainable manner. Keywords: Core Values BerAKHLAK; Employer Branding; Public Service Quality; Kebumen Regency
ETHICAL LEADERSHIP, MANAGERIAL TRUST, AND PSYCHOLOGICAL WELL-BEING AS DRIVERS OF ORGANIZATIONS Joevy Ageng Firmansyach; Fatmah Bagis; Tri Septin Muji Rahayu; Suyoto
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.18933

Abstract

In the ever-changing education sector, employee extra-role behavior has become a crucial element for organizational sustainability. This study aims to examine the effect of ethical leadership on Organizational Citizenship Behavior (OCB) by involving trust in management and psychological well-being as mediating variables. Using a quantitative approach and replication design, this study was conducted among employees of Islamic Educational Institutions in Cilacap Regency through a survey of 225 respondents selected using purposive sampling. Data processing was carried out using SEM-PLS to test the direct and indirect relationships between variables. The results show that ethical leadership has a positive influence on OCB, and this influence is strengthened through the role of trust in management and psychological well-being. These findings confirm that leaders who act as moral role models can build trust, create healthier psychological conditions, and ultimately encourage employee prosocial behavior. Practically, this study recommends strengthening an ethical leadership culture, increasing transparent communication, and programs that support psychological well-being to foster sustainable OCB. Furthermore, further research is recommended to expand the context and add other variables that influence the dynamics of work behavior.
DYNAMICS OF EMOTIONAL INTELLIGENCE, SELF-EFFICACY, AND PSYCHOLOGICAL EMPOWERMENT IN ENHANCING HOSPITAL HEALTHCARE WORKERS’ WORK ENGAGEMENT Ghina Raudhatul Jannah; Fatmah Bagis; Erny Rachmawati; Alfato Yusnar Kharismasyah
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.18934

Abstract

In healthcare organizations, the emotional and psychological dynamics of the workforce are important factors that determine the quality of work engagement. This study aims to analyze the effect of emotional intelligence on work engagement by including self-efficacy and psychological empowerment as mediating variables among hospital employees in Banjarnegara Regency. This study used a quantitative approach with stratified random sampling, involving 342 respondents from three hospitals and analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) 3.0 method. The results showed that emotional intelligence had a positive effect on self-efficacy, psychological empowerment, and work engagement. Psychological empowerment was found to act as a mediating variable that has a direct effect on the relationship between emotional intelligence and work engagement, while self-efficacy did not show a direct effect or mediating effect. These findings confirm that psychological empowerment is a key mechanism that links the emotional abilities of healthcare workers to their work engagement. Practically, these results suggest that hospital management should prioritize strengthening emotional capacity and psychological empowerment conditions to improve employee motivation, dedication, and service quality. Further research is recommended to expand the sector context to gain a more comprehensive understanding.
PENGARUH KOMPETENSI, EFIKASI DIRI (SELF EFFICACY), DAN KUALITAS KEHIDUPAN KERJA (QUALITY OF WORK LIFE) TERHADAP KINERJA PEGAWAI PERUSAHAAN DAERAH AIR MINUM (PERUMDAM) TIRTA MAHAMERU LUMAJANG Wahyu Hidayat, Rommy; Suryaningtyas, Dianawati; Nu Graha, Andi
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19053

Abstract

This study aims to analyze the impact of competence, self-efficacy, and quality of work life on employee performance at Perumdam Tirta Mahameru Lumajang. This study relies on primary quantitative data specifically for permanent employees, with a sample of 50 permanent staff members. Data collection was conducted using a questionnaire that applies a Likert scale. To analyze the data, a multiple linear regression method was used through SPSS software. The results of the study indicate that competence, self-efficacy, and quality of work life simultaneously have a significant positive influence on employee performance at Perumdam Tirta Mahameru Lumajang. When viewed individually, competence and quality of work life show a positive and significant influence on employee performance, while self-efficacy has a positive impact although not significant. These findings suggest that to increase employee confidence and belief, the company should include additional factors through training programs to strengthen competencies in each division, as well as increase self-confidence through soft skills and hard skills training. Thus, it is expected that employee self-efficacy can increase and have a more significant impact on the overall performance of Perumdam Tirta Mahameru Lumajang. Keywords : Competence, Self Efficacy, Quality of Work Life, Employee Performance.
PENGARUH CELEBRITY ENDORSEMENT DAN BRAND IMAGE TERHADAP KEPUTUSAN PEMBELIAN BRAND EIGER: Studi pada Konsumen Eiger di Wilayah Solo Raya melalui Media Sosial Instagram Mustika Jati, Dikma Nanda; Titin Hargyatni
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19063

Abstract

This study aims to investigate how celebrity endorsements and brand perception influence consumer purchasing choices for Eiger brand products. Quantitative methods and a questionnaire survey were used to collect a sample of 100 consumers from the Solo Raya metropolitan area. After testing for validity, reliability, and traditional assumptions, the data were analyzed using multiple linear regression. The results indicate that celebrity endorsements and brand image have a strong, positive, and simultaneous impact on purchasing decisions. The coefficient of determination, at 89.4%, explains the variance in purchasing decisions. This study provides a useful complement to the Eiger brand's digital marketing plan by prioritizing trusted endorsers and enhancing brand reputation.  Keywords: Celebrity Endorsement, Brand Image, Purchase Decision, Eiger Bran
MODAL, LIKUIDITAS, DAN SKALA BANK SEBAGAI PENENTU EFISIENSI PERBANKAN DI INDONESIA: PENDEKATAN ROBUST Surya Danang
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19087

Abstract

Penelitian ini menganalisis peran modal, likuiditas, dan skala usaha dalam menentukan efisiensi perbankan di Indonesia. Efisiensi diukur menggunakan Cost to Income Ratio (CIR). Penelitian menggunakan pendekatan kuantitatif dengan data panel perbankan Indonesia yang dianalisis melalui model regresi data panel dan diperkuat dengan pendekatan robust regression untuk mengatasi heterogenitas dan outliers pada data perbankan. Hasil estimasi menunjukkan bahwa faktor internal bank berperan dominan dalam memengaruhi efisiensi. Struktur permodalan internal (ETA) berpengaruh negatif signifikan terhadap CIR, yang menunjukkan peningkatan efisiensi. Sebaliknya, likuiditas, kecukupan modal, dan ukuran bank berpengaruh positif signifikan terhadap CIR, yang mengindikasikan adanya excess liquidity, capital holding cost, dan potensi diseconomies of scale. Inflasi terbukti menurunkan CIR secara signifikan, sementara risiko kredit dan pertumbuhan ekonomi tidak berpengaruh signifikan. Penelitian ini menyimpulkan bahwa peningkatan efisiensi perbankan di Indonesia lebih ditentukan oleh optimalisasi pengelolaan struktur internal bank dibandingkan faktor makroekonomi.
DYNAMICS OF EMPLOYEE VOICE, OCB, AND CONFLICT RESOLUTION ON EMPLOYEE RETENTION IN PRIVATE Eliana Priscilla Hidayat; Fatmah Bagis; Hengky Widhiandono; Dian Widyaningtyas
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19096

Abstract

The retention of healthcare personnel has emerged as a strategic challenge for hospitals, particularly in the post-pandemic era marked by increased workloads and more complex organizational dynamics. Rising professional demands require hospitals to adopt more adaptive human resource management practices. This study examines the role of employee voice and organizational citizenship behavior (OCB) in employee retention, with conflict resolution as a mediating variable, in private hospitals in Purwokerto. The research focuses on permanent employees directly involved in hospital service delivery. Using a quantitative survey approach, data were collected from 240 respondents out of a population of 542 employees and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that employee voice does not have a significant direct effect on employee retention, although it positively influences conflict resolution. In contrast, OCB has a significant positive effect on both conflict resolution and employee retention. Furthermore, conflict resolution positively affects employee retention and mediates the relationships between employee voice and employee retention, as well as between OCB and employee retention. These findings support Social Exchange Theory, highlighting that positive social exchanges, reflected through prosocial behavior and effective conflict resolution, can enhance employee commitment and intention to remain in the organization. Practically, the study suggests that hospitals should foster open communication, strengthen conflict resolution capabilities, and encourage extra-role behaviors to retain high-quality healthcare personnel.
DIGITAL LEADERSHIP TRANSFORMATION AND INNOVATIVE BEHAVIOR IN IMPROVING INTRAPRENEURSHIP INTENTION AND JOB PERFORMANCE IN ISLAMIC FINANCIAL INSTITUTION Nasywa Aulia Zahra; Fatmah Bagis; Akhmad Darmawan; Dian Widyaningtyas
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19098

Abstract

The development of digital leadership has becoming increasingly important as organizations face growing demands to adapt to technology-based work systems. This study aims to analyse the effect of digital leadership on intrapreneurship intention and job performance, as well as to examine the mediating role of innovative behaviour among employees of Islamic microfinance institutios BMTs. A quantitative approach was employed using the PLS-SEM method, involving 190 respondents selected through purposive sampling. The research instrument comprised four main constructs, namely digital leadership, innovative behaviour, intrapreneurship intention, and job performance. The results indicate that digital leadership has a positive and significant effect on innovative behaviour, intrapreneurship intention, and job performance. In addition, innovative behaviour is found to significantly enhance intrapreneurship intention and job performance. Another important finding reveals that innovative behaviour mediates the relationship between digital leadership and both outcome variables, indicating that innovative behaviour serves as a key mechanism through wich digital leadership is translated into employee performance and intrapreneurial outcome. Theoretically, this study strengthens the Resource-Based View by positioning digital leadership and innovative behavior as strategic intangible resources that contribute to sustainable competitive advantage in the context of digital transformation, particularly within Islamic microfinance institution. Practically, the findings suggest that BMTs should not only emphazise technological adoption but also focus on strengthening leaders’ digital competencies, fostering an innovation-oriented work culture, and providing structural support that enables employees to experiment and develop intrapreneurial initiatives aligned with organizational values and sharia principles.

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