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Journal of Enterprise and Development (JED)
Published by Universitas Islam Negeri Mataram
ISSN : 27153118     EISSN : 26858258     DOI : https://doi.org/10.20414/jed
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Enterprise and Development (JED) (p-ISSN: 2715-3118/ e-ISSN: 2685-8258) is an international peer-reviewed journal that publishes high-quality research in economics, finance, management, entrepreneurship, and tourism, with a particular focus on enterprise development, innovation, public policy, and sustainable economic development. The journal promotes theoretically grounded, methodologically rigorous, and policy-relevant scholarship that contributes to academic debate and practical understanding of development issues in both emerging and developed economies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 261 Documents
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Evaluating the Nexus Between Exports, Imports, GDP, and Gross Capital Formation in South Africa Ahmed Oluwatobi Adekunle
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.11563

Abstract

Purpose: This study evaluates the connection between exports, imports, GDP, and gross capital formation in South Africa.Method: The study employed the AutoRegressive Distributed Lag (ARDL) method, along with unit root tests to validate data stationarity, and bounds testing to confirm long-run cointegration among the variables. EViews 12 software was used to analyze the data spanning from 1986 to 2022.Results: The findings indicate a statistically significant positive relationship between imports and gross capital formation at the 1% level, suggesting that imports stimulate gross capital formation in South Africa. Exports also demonstrate a direct connection with gross capital formation. Empirically, both exports and imports are significant factors in enhancing the level of gross capital formation in the country. This indicates that increasing the gross domestic product (GDP) is crucial for diversifying exports, with economic policy being a major determinant that can promote investment in gross capital formation to boost both exports and imports. This sets the foundation for ensuring that exports and imports have a long-term impact on gross capital formation (GrCaF).Practical Implications for Economic Growth and Development: This study contributes to economic growth and development by highlighting the critical role of imports and exports in enhancing gross capital formation, which in turn improves the South African economy. The findings suggest that robust policies should be implemented, including tax cuts, increased infrastructure development, the promotion of manufactured goods, and advancements in domestic technologies. The government must provide stronger support for domestic industries to translate these efforts into economic growth and development.
Financial Inclusion and Financial Technology in SMEs: Investigating the Mediating Role of Risk Perception on Business Performance Divia Lasasyauma Purnasalam; Embun Suryani
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12524

Abstract

Purpose: This study examines the impact of financial technology and financial inclusion on the performance of small and medium-sized enterprises (SMEs) in the creative economy sector with risk perception serving as a mediating variable.Method: Data collection was conducted through surveys and questionnaire distribution to participants. The study involved a sample of 130 SMEs operating in the creative sector on Lombok Island that utilize financial technology in their businesses. A combination of purposive and accidental sampling techniques was employed. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The findings reveal that financial technology has no significant impact on risk perception, while financial inclusion demonstrates a significant effect. Similarly, financial technology does not significantly influence SME performance, whereas financial inclusion has a substantial impact. Risk perception exhibits only a minor effect on SME performance. Furthermore, risk perception does not mediate the relationship between financial technology and SME performance, nor does it mediate the relationship between financial inclusion and SME performance.Practical Implications for Economic Growth and Development: This study highlights the importance of financial inclusion in enhancing SME performance, suggesting that greater access to financial services can drive economic growth by improving business efficiency and market competitiveness. Furthermore, it emphasizes the need for policies that foster financial inclusion to support sustainable development in the creative economy sector.
Mediating Role of Islamic Social Reporting on the Nexus Between Sharia Supervisory Board Characteristics and Islamic Banks' Financial Performance in Indonesia Chitra Yuliashri Katili; Rifadli D. Kadir; Asma Polapa; Ritfiani Gobel
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12598

Abstract

Purpose: The Sharia Supervisory Board (SSB) plays a significant role in Islamic banking. Therefore, it is important to examine how the characteristics of the SSB influence financial performance, particularly when mediated by Islamic Social Reporting (ISR).Method: This study adopts a quantitative approach. We analyze the annual financial statements of 13 Islamic commercial banks in Indonesia from 2019 to 2023, focusing on how SSB characteristics affect financial performance through ISR. Structural Equation Modelling (SEM) is used to test the proposed hypothesis, utilizing SEM-PLS with Smart-PLS 4 as the analysis tool.Result: The analysis reveals that SSB characteristics do not significantly impact financial performance, suggesting that the role of the SSB has not sufficiently influenced financial outcomes. However, SSB characteristics significantly affect ISR, which in turn has a significant impact on financial performance. The mediation analysis shows that ISR fully mediates the relationship between SSB characteristics and financial performance. Therefore, ISR is a crucial factor in improving the financial performance of Islamic banks.Practical Implications for Economic Growth and Development: This study recommends that Islamic banks enhance the role of the SSB, particularly in ensuring transparent and effective social disclosures. Strengthening ISR practices can improve financial performance, thereby increasing Islamic banking’s contribution to community financing and fostering broader economic growth.
Building the "Golden Generation": Understanding the Drivers of Investment Behavior in Gen Z and Millennial Women Erna Apriani; Widiastuti; Nani Hartati; Rina Nurjanah; Abdul Latif
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12662

Abstract

Purpose: This study aims to analyze the influence of financial knowledge and personality traits on the investment behavior of Gen Z and Millennial women with education level serving as a mediating variable.Method: The research employs Structural Equation Modeling (SEM) using SmartPLS software. The study sample includes Gen Z and Millennial women in Bekasi Regency. A purposive sampling technique was used, combining online and direct questionnaire distribution methods as well as interviews. A total of 100 respondents were selected for the study.Result: The findings indicate that financial knowledge does not directly impact investment behavior or education level. However, personality traits significantly influence both investment behavior and education level. Additionally, education level significantly affects investment behavior. While education level does not mediate the relationship between financial knowledge and investment behavior, it does mediate the relationship between personality traits and investment behavior.Practical Implications for Economic Growth and Development: This research underscores the importance of financial knowledge for Gen Z and Millennial women, particularly as Gen Z is poised to become the "golden generation" by 2045. By fostering sound financial management practices through financial knowledge and personality traits, individuals can effectively convert income into long-term assets through various investment instruments. This, in turn, contributes to sustainable economic development and growth.
Do Inflation, Labor, FDI, and External Debt Influence Economic Growth? Evidence from ASEAN Countries During the Fintech 3.0 Aziz Zidan Maulana; Ida Ayu Putri Suprapti
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12710

Abstract

Purpose: This research aims to analyze the influence of inflation, labor, foreign direct investment (FDI), and external debt on economic growth in ASEAN countries during fintech 3.0 period.Method: This research employs a quantitative approach. The study includes 176 observations, comprising 11 cross-sectional units and 16 time series units. For data analysis, a panel data regression model is utilized, incorporating three approaches: the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). Based on the results, the Fixed Effect Model (FEM) is identified as the best model. The data used in this study are secondary data obtained from international institutions such as the World Bank, Asian Development Bank (ADB), and International Monetary Fund (IMF).Result: The results indicate that inflation has a negative but insignificant effect on economic growth, while labor has a significant negative effect. In contrast, foreign direct investment (FDI) and external debt demonstrate significant positive effects, underscoring the importance of strategic management of these two variables to promote economic growth.Practical Implications for Economic Growth and Development: The research provides recommendations for consistently managing inflation, enhancing technology-based education and training for the workforce, and maximizing the benefits of FDI through strategic management. Additionally, the prudent use of external debt to finance productive sectors, particularly infrastructure, is crucial for promoting inclusive and sustainable economic development in the ASEAN region.
The Impact of Corporate Governance and Dividend Policy on Firm Value in Indonesian Non-Financial Firms Herfiana Astrilia; Iwan Kusmayadi
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12768

Abstract

Purpose: This research examines the impact of good corporate governance (GCG) and dividend policy on the firm value of non-financial companies listed on the Indonesian Stock Exchange (IDX).Method: The study focuses on 803 non-financial firms listed on the IDX during 2021 to 2023. From this population, a sample of 45 firms was selected using a purposive sampling method. The research utilized secondary data derived from financial statements of the sampled firms and employed panel data regression analysis conducted with EViews 12 software.Result: The findings reveal that institutional ownership significantly and positively affects firm value. Conversely, managerial ownership exerts a significant negative impact on firm value. Meanwhile, the proportion of independent commissioners and dividend policy show a positive but statistically insignificant effect on firm value.Practical Implications for Economic Growth and Development: The study highlights that good corporate governance, particularly institutional ownership, can enhance firm value and potentially driving economic growth by improving market confidence and investment. Additionally, understanding the relationship between dividend policy and firm value can inform better financial strategies that foster long-term stability and growth in non-financial sectors.
The Role of Carbon Market in Net Zero Emission: Economic Impact of Carbon Credit and Forest Conservation in Indonesia Ayuni Septiani Saputri; Diswandi Diswandi
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12792

Abstract

Purpose: This study analyzes the role of the carbon market in achieving Net Zero Emissions, focusing on how carbon credit development and tropical forest conservation can create new economic opportunities in Indonesia.Method: This research employs a qualitative descriptive approach, using a case study of the REDD+ project in Indonesia. Data was collected through semi-structured interviews with various stakeholders, including government officials, local communities, and environmental organizations. Thematic analysis was utilized to identify key patterns related to the economic benefits and technical challenges of the carbon market.Result: The study finds that the carbon market can provide substantial economic benefits through carbon credit trading, attracting investments in green technology and sustainability programs. It also has the potential to raise awareness of the importance of conserving tropical forests as critical carbon sinks. However, challenges such as regulatory gaps, limited community participation in decision-making, and technological constraints for monitoring and reporting must be addressed.Practical Implications for Economic Growth and Development: Indonesia can harness the carbon market to drive sustainable economic growth while supporting environmental preservation and global carbon emission reductions. Active stakeholder engagement, technological capacity building, and regulatory strengthening are crucial for the successful implementation of the carbon market in the future.
Impact of Greenwashing and Perceived Value on Purchase Intention in the Bottled Drinking Water Industry: Mediating Role of Trust Rifai Apriture Afianto; Jati Waskito
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12795

Abstract

Purpose: This study investigates the effects of greenwashing and green perceived value on green purchase intention, with green trust serving as a mediating variable. It aims to provide deeper insights into the factors shaping consumer decisions when choosing bottled drinking water products.Method: A quantitative research approach was employed, using questionnaires to collect primary data from 200 respondents in the Solo Raya region who had purchased or consumed Le Minerale products. Respondents were selected through purposive sampling to ensure alignment with the study's objectives. The data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SMARTPLS software.Result: The findings reveal that both greenwashing and green perceived value significantly influence green trust, which, in turn, mediates their impact on green purchase intention. This highlights the pivotal role of transparency in sustainability claims and emphasizes the need for companies to communicate authentic environmental benefits. By fostering trust, businesses can promote long-term sustainable consumption behaviors and strengthen consumer confidence in green products.Practical Implications for Economic Growth and Development: This study underscores the importance of transparency and consistent communication in building consumer trust in environmental commitments. Such efforts not only expand the market for eco-friendly products but also contribute to the development of a more sustainable economy. Moreover, minimizing greenwashing practices can drive innovation and encourage sustainability-focused production processes, supporting both economic growth and environmental responsibility.
What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust Riri Alifah Fakriah; Mohammad Dheo Alfhito; Mardiyani
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12863

Abstract

Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable.Method: Data were collected in Cirebon City through a survey conducted via Google Forms, distributed both online and offline. A total of 180 respondents participated in the study. The sampling technique employed was purposive sampling, targeting individuals who currently use or have used digital payments. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The study's findings indicate that both perceived ease of use and perceived security significantly influence user trust. Additionally, these factors also have a notable impact on the adoption of digital payments. User trust effectively mediates the relationship between perceived security and digital payment adoption.Practical Implications for Economic Growth and Development: This study highlight the importance for service providers to streamline digital transaction processes, enhance security measures, and offer transparent education on data protection to foster greater adoption of digital payments. The rise in digital payment usage not only enhances financial literacy but also promotes financial inclusion within society. This research offers valuable insights for the financial industry and regulators in developing policies that can bolster public trust in digital payment systems, ultimately contributing to a more advanced, inclusive, and sustainable digital economy in Indonesia.
Investigating Determinants of MSMEs Interest in Digital Zakat Payment Kotranada Gadwa Mufid; Yuliati Yuliati
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12868

Abstract

Purpose: This study aims to identify the factors influencing the interest of micro, small, and medium enterprises (MSMEs) in adopting digital zakat payments, with a particular focus on the role of zakat in supporting local economic development.Method: A quantitative research design was employed, with the population comprising all MSMEs operating in Malang City. A purposive sampling technique was utilized, yielding a sample of 100 respondents. Data were analyzed using the Statistical Package for the Social Sciences (SPSS) version 25.Result: The findings indicate that zakat literacy, convenience, and religiosity have a positive and significant effect on the interest in digital zakat payments. This suggests that a strong understanding of zakat, the ease of use offered by digital platforms, and individuals' levels of religiosity enhance the likelihood of utilizing these platforms for zakat contributions. In contrast, trust does not exert a significant influence on digital zakat payment interest, indicating potential concerns regarding the perceived reliability of digital platforms for zakat distribution. Furthermore, transparency has a negative effect, suggesting a lack of understanding regarding the openness and accountability of zakat institutions.Practical Implications for Economic Growth and Development: The study recommends that zakat institutions enhance transparency and user convenience in the management of digital zakat payments. Strengthening these aspects may lead to greater participation in zakat contributions, thereby fostering broader economic growth and development.

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