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International Journal of Business, Economics, and Social Development
Published by Research Collaboration Community
ISSN : 27221164     EISSN : 27221156     DOI : https://doi.org/10.46336/ijbesd
Core Subject : Economy, Humanities, Education, Social,
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences
International Journal of Business, Economics and Social Development (IJBESD) is published 4 (four) times a year and is the flagship journal of the Research Collaboration Community (RCC). It is the aim of IJBESD to present papers which cover the theory, practice, history or methodology of Business, Economics and Social Development. However, since Business, Economics and Social Development are primarily an applied science, it is a major objective of the journal to attract and publish accounts of good, practical case studies. Consequently, papers illustrating applications of Business, Economics and Social Development to real problems are especially welcome. GENERAL BUSINESS AND MANAGEMENT e-Business International Business Business Strategy Marketing Supply Chain Management Organization Studies Entrepreneurship and Business Development Enterprise Innovation Human Resource Management Business Ethics Business Economics Business Communication Business Finance International Business and Marketing Organizational Development and Challenges Leadership and Corporate Governance Tourism Operations Management Human Resources Economics Regional Economics Industrial Economics Financial Economics Labor Economics Law and Economics Regulatory Economics Economic Growth and Development Policy Technological Change, Innovation Research and Development Economic Systems GENERAL ECONOMICS Economic Methodology Schools of Economics Production and Organizations Market Structure and Pricing Welfare Economics Public Finance & Public Choice Prices, Business Fluctuations Economic Policy International Finance International Economics Institutional & Corporate Finance Accounting Insurance and Risk Management Monetary Banking Marketing Management Issues Innovation and Change Management Banking and Finance Natural Resource Economics Microeconomics Economics in Development and Sustainability Issues Comparative Economic Systems Stock Exchange Business Economics Capital Market Macroeconomics Economics Theory and Policy Issues Energy Economics and Policy Monetary Economics Public Economics Other areas of Economics COMMUNITY DEVELOPMENT Social Work Health and Sport Sciences Human Development Quality of Life Psychology Communication Public Administration Leadership Style Sociology Anthropology Religious Studies Civilizations Social Innovation Other areas of Social Studies and Art & Humanities Political Science Public Policy Political Psychology Protection of Children and Women Political Party System Education Social Sciences Education Science Education Pre-School Education Measurement and Evaluation Talent Development Education Management Education technology Street Children Education Ethnoscience and many more
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 17 Documents
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Search results for , issue "Vol 6, No 1 (2025)" : 17 Documents clear
Factors Influencing the Human Development Index in Indonesia Using Structural Equation Modeling-Partial Least Square Saefullah, Rifki; Ningsi, Besse Arnawisuda
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.884

Abstract

HDI is a benchmark for a country in achieving human development in the country. Indonesia is a developing country with a relatively increasing HDI value every year. This shows that the efforts made by Indonesia are going well. However, Indonesia experienced a decrease in HDI value in 2019 towards 2020, due to restrictions on activities caused by the Covid-19 pandemic. In addition, the HDI value in each province in Indonesia is uneven, even from the publication data of the Central Statistics Agency (BPS) shows a significant difference in HDI value between provinces in Indonesia. So that evaluation and improvement are needed to be able to equalize and stabilize HDI in Indonesia. HDI value can be influenced by several factors including economy, education, and health. This study aims to determine the direct effect of economic variables on HDI, the direct effect of education variables on HDI, the direct effect of health variables on HDI, the indirect effect of education variables on HDI through economic variables and health variables. The data used in this study are data on the Human Development Index of economic, education and health variables along with the indicators that measure them, from 34 provinces in Indonesia in 2022. This study applies SEM-PLS to determine the factors that influence the Human Development Index (HDI). The results of this study indicate that economic variables and education variables have a direct influence on the Human Development Index (HDI), while health variables have no direct influence on the Human Development Index (HDI). Then the education variable through the economic variable has an indirect effect on the Human Development Index (HDI), and the education variable through the health variable has no indirect effect on the Human Development Index (HDI).
Contribution of Highland Bamboo for Income of the Households and Challenges in Gurage zone, Central Ethiopia Hailu, Hiwot; Girma, Gonche; Ababu, Tesfanesh; Abate, Tensaye; Abebe, Mister
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.752

Abstract

Bamboo resource has numerous socioeconomic, ecological and cultural benefits. In Ethiopia, local farmers rely on bamboo as an alternative livelihood option. It provides a considerable share for the various household incomes. The main purpose of this study was to assess challenges and the contribution of bamboo for income of the households in Gurage Zone, across central Ethiopia. A sample of 216 households, were selected by using multistage sampling procedure. Data was collected through household survey, focus group discussion and review of reports. Descriptive, frequency and multiple linear regression model methods were used to estimate the contribution of bamboo and to identify determinants bamboo production. The finding revealed that respondents were highly relying on bamboo for household use, construction, fuel wood, fencing and fodder for livestock. The result of bamboo income share shows that, 14% Bamboo can contribute to the total income of the households. Income from bamboo ranks third next to crop and livestock production. The result of multiple linear regression model revealed that, Educational level of household head and Distance to the market were negatively affect income generated from bamboo. In contrast, the culm price Bamboo was positively and significantly affect income generated from bamboo production. Market related and knowledge on bamboo production and processing were the most challenges identified by the households. Bamboo contributes a remarkable income share for households in the study area. Creating conducive production environment for the bamboo sector plays a vital role to improve the income and livelihood of farmers.
Calculation of Aggregate Accident Claims Based on the Number and Magnitude of Accident Losses in Indonesia from 2013 to 2022 Siahaan, Roy Donald Pangeran
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.876

Abstract

Accident losses are unavoidable when accidents occur. Data from the Indonesian Central Bureau of Statistics (BPS) show an increasing trend in accident claim amounts in recent years. This study aims to calculate aggregate accident claims based on the number and magnitude of accident losses in Indonesia from 2013 to 2022, enabling insurance companies or entities covering such losses to estimate the total liability required for all accident claims. The Generalized Extreme Value (GEV) distribution was applied to model claim amounts, while the negative binomial distribution was used for the number of accidents. The results show that the expected value of aggregate claims is IDR 236,768,463,076.93, with a variance of 7.28 × 10²⁰. The findings indicate that these distributions are suitable for modeling aggregate claims, providing insights for determining appropriate insurance premiums.
Determination of Collective Premiums for Seven Benefits of BPJS Employment Insurance JKK Program Using Poisson-Normal Aggregate Distribution Maghfirani, Nazla Aqira; Hidayana, Rizki Apriva
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.877

Abstract

Work Accident Insurance (JKK) is one of the programs of the Social Security Administering Agency (BPJS) for Employment. Insurance brokers need to make an initial estimate of the premium to determine the collective premium for JKK. Premium calculations can be done using the aggregate distribution method. The total loss of the insurance policy can be owned by the random variable of the aggregate distribution. In calculating the premium using the aggregate distribution, one of the principles that can be used is the standard deviation principle. Based on this principle, the amount of the premium can be calculated by the standard deviation of the aggregate distribution. This study uses the aggregate Poisson-Normal distribution to calculate the collective premium based on the seven benefits of the JKK BPJS Ketenagakerjaan Bojongsoang program. The data used are the number of claim events and the number of claims from the seven benefit claims of JKK BPJS Ketenagakerjaan Bojongsoang participants for the 2022 period. The principle used in calculating the collective premium with the aggregate distribution is the standard deviation principle. The results of the analysis show that the Poisson distribution is followed by claim frequency data and the Normal distribution is followed by the amount of the claim. This study shows that the amount of collective premium calculated tends to be greater than the amount of collective premium sourced from existing data of BPJS Ketenagakerjaan Bojongsoang company. It is expected for insurance brokers and insurance companies to consider this study.
Effect of E-procurement on Performance of Construction projects of Counties in Lake Region Economic Bloc, Kenya. WALUBENGO, KENNEDY WANDERA
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.868

Abstract

E-procurement is the use of ICT capabilities to decrease the human contact in procurement operations. E-procurement enables users to find goods in electronic catalogs, generate orders, route them for approval, create and transmit orders to suppliers, and automate the invoicing and payment process. The study's major goal was to look at the impact of E-procurement on the performance of construction projects in Kenya's Lake Region Economic Bloc counties. The study used an explanatory research design. A stratified random sampling approach was employed to choose 342 respondents from a target group of 2,346 County officers. Primary data were gathered through interviews and questionnaires. Data was analyzed for inferential as well as descriptive statistics using SPSS version 26 and theme analysis, respectively. E-procurement was established to be a strong predictor of the success of building projects in the Lake Region Economic Bloc counties. Electronic procurement can account for up to 76.2% of the variation in construction project performance (R2=0.762, P
Impulsive Buying Tendency among Emerging Adults Using Pay Later on E-Commerce Platforms Dewanto, Priscilla; Dahesihsari, Rayini
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.897

Abstract

The rapid growth of e-commerce in Indonesia has increased the use of pay later services, which allow consumers to defer payments for online purchases. While offering convenience, this trend has contributed to a rising non-performing loan (NPL) rate, reaching 72.6% (around Rp 3.28 trillion), with emerging adults being the primary contributors. Their impulsive buying tendencies, influenced by identity exploration and instability, may lead to unplanned spending due to the ease of pay later services. This quantitative descriptive study surveyed 246 emerging adults (18-25 years old) who have used pay-later on e-commerce platforms. Participants completed the Impulsive Buying Tendency Scale (IBTS), adapted for pay later usage. Data were analysed using descriptive statistics, categorization, correlation, and comparative tests. Findings indicate that most pay later users show high impulsive buying tendencies, with affective dimension being stronger than cognitive aspect. These insights can help educate emerging adults on responsible pay later usage.
An Examination The Factors Of Share Investment Decisions : The Mediating Role Of Behavioral Finance Cirebon Society Sugianto, Alya Nurlaella; Mardiyani, Mardiyani
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.878

Abstract

This study aims to analyze the effect of financial literacy, financial technology, on stock investment decisions in the millennial generation in Cirebon Regency, with financial behavior as a mediating variable. This research uses a quantitative approach with a causal associative method. The research sample of 150 respondents was taken using purposive sampling technique. The data analysis technique uses statistical methods with Partial Least Squares-Structural Equation Modeling (PLS-SEM) with the Smart-PLS 4 application. The results showed that financial literacy has no direct effect on stock investment decisions. Meanwhile, financial technology has a significant influence on investment decisions, due to easy access and innovative features that facilitate decision making. Financial literacy and financial technology also have a significant effect on financial behavior, where individuals with good financial understanding are better able to manage finances efficiently. Financial behavior is proven to be able to mediate the effect of financial literacy and financial technology on stock investment decisions. The conclusion of this study emphasizes the importance of improving financial literacy and utilizing financial technology to support healthy financial behavior, so that millennials can make smarter investment decisions. The results show that the ease of access offered by financial technology, along with healthy financial behavior, are key factors that encourage millennials to invest in the stock market. Therefore, efforts are needed to improve financial literacy, develop innovations in financial technology, and encourage the formation of good financial habits to increase the participation of millennials in the capital market.
Analysis of Economic Growth and Tourism Potential in Tanjung Lesung, Panimbang, Banten as a Creative Economy Destination Hidayana, Rizki Apriva; Lestari, Mugi
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.879

Abstract

Tanjung Lesung, located in Pandeglang Regency, Banten, has been designated as a Special Economic Zone (SEZ) for Tourism with the aim of encouraging regional economic growth and improving community welfare. This study analyzes the impact of SEZ on the local economy using qualitative and quantitative approaches. Data were obtained through in-depth interviews, surveys, field observations, and documentation studies. The results of the study indicate that the Tanjung Lesung SEZ has contributed positively to increasing community income by 52% and reducing the unemployment rate by 33%. In addition, investment in the tourism sector encourages business growth in the hospitality, culinary, and tourism services sectors. However, the development of SEZ also faces several challenges, such as limited infrastructure, readiness of local workers, and social and environmental impacts. Limited infrastructure, especially transportation access, is an obstacle in supporting the growth of the tourism sector. In addition, many local workers do not yet have the skills needed by the tourism industry. Environmental impacts, such as increasing waste volume and conversion of agricultural land, are also major concerns. Therefore, a comprehensive strategy is needed through improving infrastructure, strengthening human resource capacity, and implementing sustainable environmental management policies. With the right steps, Tanjung Lesung Special Economic Zone can become a successful model for inclusive and sustainable tourism-based economic development in Indonesia.
Estimation Model of Pure Health Insurance Premiums in Southeast America Using Generalized Linear Model (GLM) with Gamma Distribution Putri, Aulya
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.873

Abstract

Health insurance premiums are on the rise due to increasing medical costs, inflation, and the lingering effects of the COVID-19 pandemic. Accurate premium pricing is crucial for insurance companies to maintain financial stability and offer fair rates to policyholders. Generalized Linear Models (GLM) have been widely used in actuarial science for modeling insurance premiums. This study proposes the use of GLM with a Gamma distribution to model health insurance premiums. The Gamma distribution is suitable for non-negative and positively skewed data, which is characteristic of insurance claim amounts. By analyzing historical data from a Southeast United State insurance company, we aim to identify key factors influencing premium pricing and develop a robust premium model. The model will consider factors such as age, gender, BMI, number of children, and smoking status to predict individual risk profiles and determine appropriate premiums. Our findings indicate that age and smoking status are the most significant factors affecting premium rates. Older individuals and smokers tend to have higher premiums due to their increased risk of health issues. Gender and BMI, however, were found to have no significant impact on premium pricing in this specific dataset. Insurance companies can use the identified factors (age, smoking status, etc.) to create more precise risk profiles for their policyholders.
The Role of Education in Increasing Social Awareness and Community Participation: A Case Study in Teluk Bintuni, West Papua Jaizul, Alim; Surya, Dhika
International Journal of Business, Economics, and Social Development Vol 6, No 1 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.880

Abstract

This study examines the role of education in increasing social awareness and community participation in Teluk Bintuni, West Papua, an area rich in natural resources but still lagging behind in terms of education and welfare. Using a qualitative approach with a case study method, this study explores in depth how education contributes to social change and the factors that influence its effectiveness. Data collection was conducted through in-depth interviews, participant observation, document analysis, and Focus Group Discussions (FGD) involving local communities, educators, community leaders, local governments, and civil society organizations. The results of the study showed a positive correlation between education levels and levels of social awareness and community participation in development. Statistical data shows that the community's education profile is still low with 18.4% not attending school, 35.6% having elementary school education, 25.3% having junior high school education, 15.2% having high school education, and only 5.5% having higher education. The study identified four main inhibiting factors: limited access to education, lack of qualified educators, low community awareness of the importance of education, and local cultural aspects that limit educational participation. To address these challenges, five strategies are recommended: improving educational infrastructure, training educators, developing non-formal education programs, utilizing technology, and collaborating with civil society organizations and the private sector. This study makes an important contribution to understanding the linkages between education, social awareness, and community participation in remote areas, and provides practical recommendations for developing more effective and sustainable education policies.

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