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Jurnal Media Ekonomi
Published by Universitas Bina Insan Lubuklinggau
ISSN : 16934768     EISSN : 26568861     DOI : https://doi.org/10.32767/jurmek.v25i3
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal ini dimaksudkan sebagai media kajian ilmiah hasil penelitian, pemikiran, pengkajian, dan pengembangan mengenai isu ekonomi, manajemen, dan bisnis. Situs Jurnal Media Ekonomi menyediakan artikel-artikel jurnal untuk diunduh secara gratis, berskala nasional, dan sumber referensi bagi akademisi. Editor menerima kiriman artikel yang sudah disesuaikan dengan template dan belum pernah diterbitkan atau dipublikasi pada jurnal lain. Setiap artikel yang masuk sebelum diterbitkan akan melalui proses cek plagiat melalui alat bantu turnitin.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Perilaku Organisasi dan Menejemen Sumber Daya Manusia
Articles 302 Documents
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The Effect of Motivation and Work Discipline in Improving Employee Work Quality: A Case Study of KFC Lubuklinggau Maresta Dora; herma yunita
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3078

Abstract

The goal of this study is to determine if motivation and work discipline impact employee job quality (a case study of KFC Lubuklinggau). This study employs a non-probability saturation technique and comprises three factors: motivation variables (X1), work discipline variables (X2), and work quality variables (Y). This study conducts its analysis using quantitative testing. The demographic and data samples were analyzed using multiple linear regression. All KFC Lubuklinggau employees, a total of 30 respondents, were used as saturation samples. This study employs multiple linear regression analysis, validity and reliability tests, hypotheses, F tests, and T tests. The findings show that motivation and work discipline have both partial and simultaneous effects on employees’ work quality. In the t-test, the motivation variable (X1) had a significance value of 0.05, or the calculated t-value was greater than the t-table value, with 3.797 > 1.703. The work discipline variable (X2) also had a significance value of 0.05, or the calculated t-value was greater than the t-table value, with 3.719 > 1.703. For the F-test, the significance value was 0.000, which is less than 0.05. The estimated F-table result shows that the calculated F-value was greater than the F-table value, with 53.636 > 3.35
DEBT DECISION-MAKING: OVERCONFIDENCE, ANCHORING, AND LOSS AVERSION WITH RISK PERCEPTION AS MEDIATION Feby Santika Sari; Ida Subaida
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3130

Abstract

Purpose: Psychological biases are believed to play an important role in debt decision-making among SME players. This study aims to analyze the effect of overconfidence, anchoring, and loss aversion on debt decision-making with risk perception as a mediating variable among rengginang SME players in Situbondo Regency. Research Methodology: This study employed a quantitative approach using a structured questionnaire distributed to 63 rengginang MSME players in Gelung Village, Situbondo Regency, selected through purposive sampling. Data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) with SmartPLS software. Results: Overconfidence had no significant effect on risk perception but significantly affected risk perception, anchoring had no direct effect on debt decision-making, and risk perception did not mediate overconfidence, fully mediated anchoring, and partially mediated loss aversion on debt decision-making. Conclusions: Psychological biases work through different mechanisms in influencing debt decision-making. Overconfidence works directly, anchoring works entirely through risk perception, and loss aversion works through both pathways simultaneously. Limitations: This study is limited to rengginang MSMEs in Gelung Village, Situbondo Regency, and did not classify respondents by debt source type despite considerable variation in the field. Contributions: This study contributes to the development of behavioral finance literature in the context of traditional rural MSMEs that have rarely been studied. Furthermore, the field findings of considerable variation in debt source types ranging from banks and pegadaian to informal debt to rice mill owners with a harvest-based repayment system without interest open new contribution opportunities for future research to explore debt source type as a mediating variable that has never been previously examined in the MSME behavioral finance literature.
Perubahan Iklim, Degradasi Aset, dan Aksesibilitas Kredit: Peran Penilaian Jaminan dalam Sektor Pegadaian di Indonesia Bahrul Umam; Villatus Sholikhah
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3244

Abstract

Abstract Purpose: This study explores how climate-related asset degradation influences collateral appraisal practices and credit accessibility at the Patrang Pawnshop Service Unit (UPC Patrang), East Java, Indonesia. Research Methodology: A qualitative case study approach was applied through in-depth interviews, field observations, and document analysis involving managers, appraisers, customer service officers, and customers. Data were analyzed using the interactive model of Miles, Huberman, and Saldaña, supported by source and method triangulation. Results: The findings show that increased humidity, fluctuating weather, and environmental exposure accelerate deterioration of motorcycles and electronic devices used as collateral. Appraisers therefore consider climate-related asset-condition risks, in addition to conventional appraisal criteria, when determining collateral values. These adjustments reduce borrowing capacity for some customers and affect financing access for household consumption and microbusiness activities. Conclusion: Climate-related asset degradation has managerial implications for collateral valuation and credit accessibility. The study develops a mechanism linking climate risk, asset degradation, appraisal adjustment, and credit access in the UPC Patrang context. Limitations: The study is limited to one pawnshop unit and two dominant collateral categories. Contributions: This study contributes to appraisal management, climate risk management, and financial inclusion by proposing climate-sensitive appraisal guidelines, better documentation, and enhanced appraiser capacity and prudent lending practices.
ISLAMIC ECONOMIC BEHAVIOR OF GENERATION Z IN RESPONDING TO THE DEVELOPMENT OF THE DIGITAL ECONOMY BASED ON ISLAMIC VALUES Nunung Nurjanah; Muhammad Iqbal
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3256

Abstract

Purpose: This study aims to synthesize empirical evidence on Generation Z's Islamic economic behavior in the digital economy and to develop an integrated conceptual understanding of digital consumption, Islamic digital investment, and digital philanthropy from the perspective of Islamic economic values. Research Methodology: This study employed a Systematic Literature Review (SLR) based on the PRISMA 2020 guidelines. Literature was retrieved from the Scopus, Google Scholar (via Publish or Perish), and Garuda databases in June 2026. Following the identification, screening, eligibility, and inclusion processes, 18 peer-reviewed articles published between 2020 and 2026 were selected and synthesized using thematic analysis. Results: The findings identify three interconnected dimensions of Generation Z's Islamic economic behavior: digital consumption, Islamic digital investment, and digital philanthropy. The synthesis demonstrates that Islamic economic behavior is shaped through the interaction of digital technology, Islamic financial literacy, digital culture, religiosity, and the internalization of Islamic values. While technological advancement has expanded access to Islamic financial services, digital philanthropy exhibits stronger alignment with Islamic values than digital consumption and investment activities. Conclusions: Islamic economic behavior among Generation Z is not determined by technological advancement alone but by the integration of technological, financial, social, and religious dimensions. Strengthening the Islamic digital economy therefore requires the integration of technological innovation with ethical awareness and value-based Islamic financial education Limitations: : This review was limited to peer-reviewed articles indexed in Scopus, Google Scholar, and Garuda published between 2020 and 2026 and did not include quantitative meta-analysis. Contributions: This study develops an integrated conceptual understanding of Generation Z's Islamic economic behavior in the digital economy and provides practical insights for policymakers, Islamic financial institutions, fintech providers, and researchers in promoting an inclusive, ethical, and sustainable Islamic digital economic ecosystem.
THE EFFECT OF SAVING HABITS ON THE FINANCIAL WELL-BEING OF EARLY CHILDHOOD AT SANGGAR BELAJAR AT-TANZIL CHERAS, MALAYSIA Citra Putri Fauziah; M.Arif Rakhman; Sri Rahayu
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3259

Abstract

Instilling early savings habits is vital for the future financial well-being of children from migrant worker families facing economic instability. However, research on early childhood financial well-being in nonformal education remains scarce. This associative quantitative study examines the effects of savings frequency, discipline, and motivation on the financial well-being of 35 students at Sanggar Belajar At-Tanzil Cheras, Malaysia, using total sampling. Data from questionnaires were analyzed via SmartPLS. The results reveal that only savings discipline significantly and positively impacts children's financial well-being, whereas frequency and motivation show no significant effect. This indicates that consistency and regularity matter more than how often or why they save. This study contributes to financial literacy frameworks for early childhood, particularly within the Indonesian migrant community in Malaysia.
DETERMINANTS OF DIVIDEND POLICY IN THE BANKING INDUSTRY LISTED ON THE INDONESIA STOCK EXCHANGE Lintar Novianti Watanaya; Werner Ria Murhadi
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3270

Abstract

Purpose: This study aims to analyze the determinants of dividend policy in the Indonesian banking sector, namely profitability (ROA), bank size (BSIZE), capital adequacy (CAR), and credit risk (NPL). Research Methodology: The data comprise 37 conventional commercial banks listed on the Indonesia Stock Exchange during 2020–2024 (185 observations). Two testing methods are applied simultaneously: panel data regression (Fixed Effect Model, via EViews 13) to examine the determinants of the Dividend Payout Ratio (DPR), and Multiple Discriminant Analysis (MDA, via SPSS) to determine the likelihood of dividend payment measured by the Propensity to Pay Dividends (PPD). Results: ROA, BSIZE, and CAR have a significant positive effect on DPR, whereas NPL has a negative but insignificant effect. The MDA indicates that BSIZE is the most dominant determinant of the decision to pay dividends, followed by ROA and CAR, with a classification accuracy of 82.2%. Conclusions: Bank dividend policy is multifactorial and unfolds as a two-stage decision: bank size and profitability chiefly drive the decision to pay dividends, while profitability and capital strength chiefly drive the size of the payout. Limitations: The relatively short observation period (2020–2024) was still influenced by post-pandemic credit-relaxation policies. Contributions: This study addresses the knowledge gap on dividend determinants in emerging-market banking by combining two complementary methods—regression to identify the determinants of dividend magnitude and MDA to classify the likelihood of dividend payment—offering benefits for dividend theory development, bank management, investors, and regulators
MAINTAINING SERVICE QUALITY: EXAMINING THE EFFECT OF THE HESQUAL SCALE ON STUDENT SATISFACTION AT UNIVERSITIES (A STUDY OF STUDENTS AT NAHDLATUL ULAMA UNIVERSITY, YOGYAKARTA) Windriyati Windri; Budi Sutiono Pratama Nugraha Budi
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3274

Abstract

Purpose: This study aims to examine the direct and indirect effects of HESQUAL-based service quality and technology support on student satisfaction by incorporating students’ perceived value as a mediating variable in a higher education context. Research Methodology: A quantitative explanatory research design was employed. Data were collected from 300 undergraduate students at Universitas Nahdlatul Ulama Yogyakarta using a structured questionnaire. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to test both direct and mediating relationships among variables. Results: The findings reveal that HESQUAL-based service quality has a significant positive effect on students’ perceived value and student satisfaction. Technology support also significantly influences both perceived value and satisfaction, although its effect is weaker compared to service quality. Furthermore, students’ perceived value significantly affects student satisfaction and functions as a mediating variable in the relationship between both service quality and technology support on satisfaction. Conclusions: Student satisfaction in higher education is determined not only by service quality and technological support but also by how students perceive the value of their educational experience. Perceived value plays a central role in translating institutional services into satisfaction outcomes. Limitations: This study is limited to a single university, which may restrict generalizability. The cross-sectional design also limits causal interpretation over time. Additionally, the model focuses only on four main constructs, excluding other potential influencing factors such as institutional image, trust, and student engagement. Contributions: This study contributes to higher education service quality literature by integrating HESQUAL, technology support, perceived value, and student satisfaction into a unified empirical model. It also extends prior research by empirically validating the mediating role of perceived value in a faith-based private university context
ANALYSIS OF THE EFFECT OF BOARD DIVERSITY ON BANKING FIRM PERFORMANCE IN INDONESIA Andre Christian Setiohandiko; Werner Ria Murhadi
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3298

Abstract

Purpose: This study aims to analyze the effect of board of directors' diversity — across three dimensions (gender, age, and nationality) — on the performance of Indonesian banking firms, measured through four performance proxies (ROA, Tobin's Q, CAR, and NPL). Research Methodology: Panel data from 44 banks listed on the Indonesia Stock Exchange (IDX) for the 2020–2024 period (220 firm-year observations) were analyzed using panel data regression, with model selection conducted through the Chow test and the Hausman test; all data processing was performed using EViews. Results: Nationality diversity has a significant positive effect on ROA and CAR; age diversity (the proportion of directors aged below 54 years) has a positive effect on Tobin's Q and CAR but a negative effect on ROA; gender diversity does not show a significant effect on any of the performance proxies; and the model for NPL is not simultaneously significant, so the results related to credit risk cannot be conclusively determined. Conclusions: Nationality diversity is the most strategic dimension for enhancing bank performance, whereas the benefits of gender diversity have not yet been optimally realized due to its still-low representation on Indonesian bank boards. Limitations: This study does not include control variables such as bank size, bank age, past profitability, or the COVID-19 pandemic period, which caused the NPL model to be simultaneously insignificant. Contributions: This study addresses the gap left by prior research, which has tested board diversity dimensions only partially and separately; its novelty lies in simultaneously examining three diversity dimensions (gender, age, and nationality) against four performance proxies (ROA, Tobin's Q, CAR, and NPL) within a single empirical model for Indonesian banking firms. Theoretically, this study extends Resource Dependence Theory to a developing-country banking context by showing that board capital is contingent on institutional context and representation thresholds; practically, it offers implications for bank management in structuring board composition, for regulators (OJK) in formulating governance policy, and for investors in assessing the prospects of banking issuers.
SAFEGUARDING HUMAN CAPITAL: THE RELATIONSHIP BETWEEN PERCEIVED ORGANIZATIONAL SUPPORT, JOB STRESS, AND TURNOVER INTENTION AMONG EMPLOYEES OF GF Darmawan Budhiarto Jonathan; Achmad Fajar Hendarman
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3303

Abstract

Purpose: This study examines the effects of Perceived Organizational Support (POS) and Job Stress (JS) on Turnover Intention (TI) among employees in Indonesia's fintech industry while addressing the limited use of organization-specific evidence in turnover intention research. Research Methodology: Guided by Social Exchange Theory and Conservation of Resources Theory, the study employed a quantitative cross-sectional design at a regulated fintech group operating in Indonesia. The research model was developed through the analysis of 30 employee exit interviews using thematic coding and subsequently validated through a census survey involving 183 employees. Data were analysed using IBM SPSS Statistics Version 25 and multiple linear regression. Results: POS significantly reduced turnover intention (β = −0.534, p < 0.001), whereas JS significantly increased turnover intention (β = 0.297, p < 0.001). Together, both predictors explained 53.2% of the variance in turnover intention (Adjusted R² = 0.527). Conclusions: Organizational support represents a stronger determinant of turnover intention than job stress in the fintech context. Limitations: The findings are based on a single organization and a cross-sectional design, limiting causal inference and generalizability. Contributions: This study contributes to turnover intention research by integrating organization-specific qualitative evidence with quantitative hypothesis testing, extending the application of Social Exchange Theory and Conservation of Resources Theory within Indonesia's fintech industry and providing evidence-based implications for employee retention.
DETERMINANTS OF FINANCIAL PLANNING: A META-ANALYSIS ON THE EFFECTS OF FINANCIAL LITERACY AND INCOME Daffa Eka Septianda; Clarashinta Canggih
Jurnal Media Ekonomi (JURMEK) Vol 31 No 1 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i1.3305

Abstract

Purpose: This meta-analytic study aims to synthesize empirical evidence on the influence of financial literacy and income on financial planning, addressing inconsistent findings in previous literature. Design/Methodology/Approach: Employing a quantitative meta-analysis approach following PRISMA guidelines, this study analyzed secondary data from primary empirical studies published between 2021 and 2026. A systematic search across Scopus and Google Scholar yielded k = 11 eligible studies. A random-effects model was applied to account for expected methodological and demographic heterogeneity. Findings: The pooled effect sizes indicate that both financial literacy (r = 0.460, p = .065) and income level (r = 0.452, p = .268) show moderate effect sizes but do not reach statistical significance. Significant heterogeneity was observed in both analyses (Financial Literacy: Q(6) = 50.91, p < .001; Income: Q(3) = 38.75, p < .001), suggesting the presence of potential moderating variables. Novelty: This study provides a novel behavioral finance perspective by explaining the "knowledge-behavior gap" and the "income-saving paradox," moving beyond traditional rational-choice assumptions. Practical/Theoretical Implications: Theoretically, it integrates the Life-Cycle Hypothesis with behavioral biases (e.g., overconfidence, lifestyle inflation). Managerially, it implies that financial education must transcend knowledge transfer to include behavioral nudges, while policymakers must design inclusive financial products that accommodate varying income trajectories.

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