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INDONESIA
Journal of Economics and Business UBS
Published by UniSadhuGuna Business School
ISSN : 23028025     EISSN : 27747042     DOI : 10.52644
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Economics & Business UBS adalah jurnal yang diterbitkan sebulan sekali oleh STIE UniSadhuGuna. Jurnal Indonesia Sosial Sains akan menerbitkan artikel ilmiah dalam lingkup ilmu sosial dan ekonomi. Artikel yang diterbitkan adalah artikel dari penelitian, studi atau studi ilmiah kritis dan komprehensif tentang isu-isu penting dan terkini atau ulasan buku-buku ilmiah.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 1,185 Documents
 115   116   117   118   119 
Bridging The Adoption Gap: An Extended TPB Analysis of Rent-To-Own Scheme Acceptance Among Young Homebuyers in Indonesia Teuku Muhammad Ridha Kuswalabirama; Ana Noveria
Journal of Economics and Business UBS Vol. 15 No. 4 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/c7zwbr31

Abstract

Housing affordability has become a major challenge for Generation Z and Millennials in Indonesia, as reflected in the growing preference for renting rather than owning homes. This study examined the factors influencing the adoption of the Rent-to-Own (RTO) housing scheme by extending the Theory of Planned Behavior (TPB) framework with four additional constructs: Perceived Affordability, Government and Institutional Support, Perceived Risk of RTO, and Perceived Usefulness of RTO. A mixed-method approach was employed, combining a quantitative survey analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with qualitative interviews involving property and finance experts. The findings revealed that Perceived Affordability, Government and Institutional Support, and Perceived Usefulness significantly and positively influenced Attitude Toward RTO, Perceived Behavioral Control, and Subjective Norms, while Perceived Risk had no significant effect on Attitude Toward RTO or Perceived Behavioral Control. Subjective Norms emerged as the strongest predictor of Behavioral Intention, followed by Perceived Behavioral Control and Attitude Toward RTO. The qualitative findings indicated that limited financial literacy, consumptive lifestyles, unclear regulatory frameworks, and insufficient institutional support remained key barriers to RTO adoption among young adults. Based on these findings, this study proposed three strategic solutions: establishing a comprehensive regulatory framework, developing financial education and literacy programs using the Value-Focused Thinking (VFT) approach, and implementing the Financial Education for Savings (FES) model to strengthen long-term financial planning. This study contributes to the extension of the TPB framework within the housing finance context and provides practical recommendations for policymakers, financial institutions, and property developers to enhance the adoption of RTO schemes in Indonesia.
Analisis Pengaruh Perilaku Perencanaan Keuangan Generasi Milenial Terhadap Keputusan Berinvestasi di Produk Reksa Dana Sherly, Tan; Pujirahayu Sumaji, Yoseva Maria; Tisnasasmita, Bisma Jatmika
Journal of Economics and Business UBS Vol. 15 No. 4 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/yqddx332

Abstract

Generasi Milenial Indonesia saat ini dihadapkan pada tantangan yang cukup kompleks dalam pengelolaan keuangan, termasuk tantangan inflasi dan ketidakpastian ekonomi. Teori Perilaku Terencana mengemukakan bahwa niat untuk melakukan perencanaan investasi terbentuk dari tiga faktor di antaranya sikap individu, norma subjektif yang berlaku, serta persepsi mengenai kontrol atas perilaku tersebut. Studi ini bermaksud untuk menguji pengaruh perilaku keuangan, literasi keuangan, tingkat pendapatan serta perencanaan keuangan terhadap keputusan investasi produk reksa dana yang dilakukan oleh generasi milenial di Indonesia. Dalam penelitian ini, pendekatan yang diterapkan adalah kuantitatif, dengan menggunakan metode survei untuk memperoleh data. Data dikumpulkan melalui kuesioner online yang disebarkan kepada responden milenial usia 25 - 45 tahun di kota-kota besar Indonesia. Hasil penelitian diharapkan dapat mengungkap sejauh mana perilaku keuangan, perencanaan keuangan, tingkat pendapatan dan literasi keuangan mempengaruhi keputusan investasi milenial di produk reksa dana. Hasil temuan dari penelitian agar dapat dipergunakan sebagai masukan bagi perbankan dan pelaku industri keuangan lainnya dalam merencanakan produk investasi yang sesuai dan membuat strategi pemasaran yang lebih tepat sasaran, serta bagi pemerintah dan regulator dalam menyusun program edukasi dan literasi keuangan yang efektif bagi generasi muda
The Effect of Green Strategy on Sustainable Value Creation, Mediated by Social Impact Orientation, Among Small and Medium-Sized Coffee Shop Businesses in Yogyakarta Azzahra, Sarah; Effendi , Moh Irhas; Cahyono , Herus Kristanto Hendro
Journal of Economics and Business UBS Vol. 15 No. 4 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/s37mmw81

Abstract

This study examined the effect of Green Strategy on Sustainable Value Creation with Social Impact Orientation as a mediating variable among coffee shop MSMEs in Yogyakarta City. The research was motivated by the increasing demand for sustainable business practices that are not only oriented toward economic profit but also consider social and environmental aspects. This study employed a quantitative approach involving coffee shop MSMEs in Yogyakarta City. Data were collected through questionnaires distributed to 133 respondents who met the predetermined criteria and were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with SmartPLS 4.0 software. The results showed that Green Strategy had a positive and significant effect on Sustainable Value Creation and Social Impact Orientation. Furthermore, Social Impact Orientation had a positive and significant effect on Sustainable Value Creation. The specific indirect effect test indicated that Social Impact Orientation positively and significantly mediated the relationship between Green Strategy and Sustainable Value Creation. These findings demonstrate that the implementation of environmentally friendly strategies is more effective in creating sustainable value when accompanied by a company’s orientation toward generating positive social impacts. This study concludes that Green Strategy and Social Impact Orientation are important factors in enhancing Sustainable Value Creation among coffee shop MSMEs in Yogyakarta City. Therefore, MSME actors should integrate environmentally friendly strategies with social impact orientation as part of their business strategies to improve competitiveness and create sustainable economic, social, and environmental value.
The Effect of Green Marketing on Repurchase Decisions for Nadnad Cloth Sanitary Pads Nofiska, Dara Jingga Puti; Koeswandi, Tika Annisa Lestari; Rachmani, Nizza Nadya
Journal of Economics and Business UBS Vol. 15 No. 4 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/a0snf546

Abstract

This study aimed to describe Green Marketing and Repurchase Decision and to examine the effect of Green Marketing on the Repurchase Decision of Nadnad cloth sanitary pads. The study was motivated by a 31% decline in Nadnad’s sales during the fourth quarter of 2025, supported by a pre-research survey indicating that many consumers were hesitant to repurchase due to concerns regarding perceived quality, price, promotion, and product comfort. This research employed a quantitative approach with a descriptive method. Data were collected through an online Likert-scale questionnaire distributed to 363 female respondents of reproductive age who had previously used Nadnad cloth sanitary pads. Respondents were selected using purposive and snowball sampling techniques. Data were analyzed using descriptive statistics, instrument validity and reliability tests, classical assumption tests, simple linear regression analysis, t-tests, and coefficient of determination analysis. The results showed that both Green Marketing and Repurchase Decision were categorized as moderate, although most indicators received high to very high ratings. Hypothesis testing demonstrated that Green Marketing had a positive and significant effect on Repurchase Decision, with a calculated t-value of 15.623, which exceeded the t-table value of 1.967, and a significance value below 0.001. The coefficient of determination indicated that Green Marketing explained 40.3% of the variance in Repurchase Decision, while the remaining 59.7% was influenced by other factors outside the research model. These findings confirm that strengthening Green Marketing strategies, particularly through environmental education and sustainability-oriented value creation, can enhance consumer loyalty and encourage consistent repurchase decisions for Nadnad cloth sanitary pads.
Green Finance in Indonesia: Implementation and Challenges Ida Setya Dwi Jayanti; Yossy Imam Candika
Journal of Economics and Business UBS Vol. 15 No. 4 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/c86aw795

Abstract

The transition toward a low-carbon economy has increased the need for financing mechanisms that incorporate environmental considerations. In Indonesia, the implementation of green finance has continued to develop through strengthened policy frameworks, green financing instruments, and market-based mechanisms, although various challenges remain. This study aims to examine the implementation of green finance in Indonesia by reviewing policy developments, the application of green finance instruments, and the challenges associated with their implementation. This study employs a qualitative descriptive approach using a narrative literature review. Data sources include scholarly articles, regulations, official reports from government agencies and financial institutions, and institutional publications relevant to green finance in Indonesia. The findings indicate that the implementation of green finance is supported by the Sustainable Finance Roadmap, Financial Services Authority regulations, and the Indonesian Taxonomy for Sustainable Finance. Its implementation is reflected in instruments and mechanisms such as green bonds, green sukuk, green banking, and the carbon exchange. Each faces specific challenges, including the limited availability of eligible green projects, transparency and impact-reporting requirements, the technical capacity of financial institutions, the quality of environmental, social, and governance (ESG) data, and limited market liquidity and participation. In addition, uneven stakeholder literacy and the risk of greenwashing emerge as cross-cutting challenges.

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