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INDONESIA
Indonesian Journal of Business and Management
Published by Universitas Bosowa
ISSN : 24603767     EISSN : 26566885     DOI : https://doi.org/10.35965/jbm.v3i1
Core Subject : Economy,
Economics, Econometrics & Finance
Indonesian Journal of Business and Management is International Journal, peer-review, open access journal published by Bosowa University Publishing. It Provides an academic platform for professionals and researchers to contribute to innovative work in busniess and management cases. The scope of the journal covers corporate governance, human resource management, strategic management, production management, operations management, entrepreneurship, e-business, service management and information technology management, etc.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 373 Documents
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MANAJEMEN KONFLIK DAN KOLABORASI TIM TERHADAP KUALITAS KERJA MELALUI KOMITMEN ORGANISASI PADA PT MERDEKA MINING SERVIS SITE MOROWALI Hartini, Sri; Suriani, Seri; Ruslan, Muhlis
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.7815

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh manajemen konflik dan kolaborasi tim terhadap kualitas kerja melalui komitmen organisasi pada PT Merdeka Mining Servis Site Morowali. Pendekatan kuantitatif digunakan dengan metode survei terhadap 125 karyawan sebagai responden. Pengumpulan data dilakukan melalui observasi, dokumentasi, dan penyebaran kuesioner. Hasil analisis menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS) menunjukkan bahwa model penelitian memiliki daya prediksi yang kuat, ditandai dengan nilai R-square sebesar 0,815 untuk kualitas kerja dan 0,860 untuk komitmen organisasi. Nilai Adjusted R-square masing-masing sebesar 0,810 dan 0,857 mengindikasikan bahwa model tidak mengalami overfitting. Temuan penelitian mengungkapkan bahwa manajemen konflik dan kolaborasi tim berpengaruh signifikan terhadap kualitas kerja, baik secara langsung maupun melalui komitmen organisasi sebagai variabel mediasi. Implikasi praktis dari hasil ini menekankan pentingnya penerapan strategi manajemen konflik yang konstruktif dan penguatan budaya kerja kolaboratif guna meningkatkan kinerja dan loyalitas karyawan di industri pertambangan yang dinamis. This study aims to analyze the influence of conflict management and team collaboration on work quality through organizational commitment at PT Merdeka Mining Servis Site Morowali. A quantitative approach was employed using a survey method involving 125 employees as respondents. Data were collected through observation, documentation, and questionnaire distribution. The analysis, conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS), indicates that the research model has strong predictive power, with R-square values of 0.815 for work quality and 0.860 for organizational commitment. The Adjusted R-square values of 0.810 and 0.857 respectively suggest that the model does not suffer from overfitting. The findings reveal that both conflict management and team collaboration have a significant influence on work quality, both directly and indirectly through organizational commitment as a mediating variable. The practical implications highlight the importance of implementing constructive conflict management strategies and fostering a collaborative work culture to enhance employee performance and loyalty in the dynamic mining industry environment.
SISTEM PENGENDALIAN INTERNAL DAN MANAJEMEN RISIKO TERHADAP TRANSPARANSI KEUANGAN DAERAH PEMERINTAH KABUPATEN BOLAANG MONGONDOW DENGAN KUALITAS INFORMASI KEUANGAN SEBAGAI VARIABEL INTERVENING Manoppo, Sultan Aqsa; Abubakar, Herminawaty; Said, Miah
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.7816

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Sistem Pengendalian Internal (SPI) dan Manajemen Risiko terhadap Transparansi Keuangan Daerah di Kabupaten Bolaang Mongondow serta peran mediasi Kualitas Informasi Keuangan dalam hubungan tersebut. Sampel terdiri dari 110 ASN dipilih menggunakan stratified random sampling. Data primer dikumpulkan melalui kuesioner skala Likert, lalu diuji validitas dan reliabilitasnya, dan dianalisis menggunakan aplikasi SmartPLS 4 dengan pendekatan SEM-PLS. Hasil penelitian menunjukkan bahwa SPI dan Manajemen Risiko berpengaruh positif dan signifikan terhadap Kualitas Informasi Keuangan, keduanya juga berpengaruh langsung positif terhadap Transparansi Keuangan Daerah, dan Kualitas Informasi Keuangan secara signifikan memediasi dampak SPI maupun Manajemen Risiko pada Transparansi. Model pengukuran dan struktural dinyatakan valid, reliabel, dan sesuai kriteria goodness-of-fit. Temuan ini menegaskan bahwa peningkatan implementasi Sistem Pengendalian Internal, penguatan manajemen risiko, dan perbaikan kualitas informasi keuangan merupakan kunci dalam meningkatkan transparansi dan akuntabilitas pengelolaan keuangan daerah. This study aims to examine the influence of the Internal Control System (ICS) and Risk Management on Regional Government Financial Transparency in Bolaang Mongondow Regency, as well as the mediating role of Financial Information Quality in this relationship. The sample consisted of 110 civil servants selected through stratified random sampling. Primary data were collected using Likert-scale questionnaires, tested for validity and reliability, and analyzed using SmartPLS 4 with the SEM-PLS approach. The results indicate that both ICS and Risk Management have a positive and significant effect on Financial Information Quality. They also directly and positively affect Regional Government Financial Transparency. Furthermore, Financial Information Quality significantly mediates the impact of ICS and Risk Management on Transparency. The measurement and structural models were found to be valid, reliable, and met the goodness-of-fit criteria. These findings emphasize that improving the implementation of the Internal Control System, strengthening risk management, and enhancing the quality of financial information are key to increasing transparency and accountability in regional financial management.
PENGARUH STRATEGI MEDIA SOSIAL DAN STRATEGI MESIN PENCARI TERHADAP PENINGKATAN PENJUALAN MELALUI BRAND AWARENESS PADA PT BOSOWA BERLIAN MOTOR CABANG MAKASSAR Sumirat, Sumirat; Saleh, Muhammad Yusuf; Said, Miah
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.7817

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh strategi media sosial dan strategi mesin pencari terhadap peningkatan penjualan melalui brand awareness sebagai variabel mediasi pada PT Bosowa Berlian Motor Cabang Makassar. Penelitian menggunakan pendekatan kuantitatif dengan desain penelitian eksplanatori untuk menguji hubungan kausal antarvariabel. Populasi penelitian terdiri atas pelanggan dan tim pemasaran PT Bosowa Berlian Motor Cabang Makassar, dengan jumlah sampel sebanyak 72 responden yang ditentukan menggunakan teknik purposive sampling. Data dikumpulkan melalui penyebaran kuesioner menggunakan skala Likert lima poin dan dianalisis menggunakan analisis jalur (Path Analysis) dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa strategi media sosial dan strategi mesin pencari berpengaruh positif dan signifikan terhadap brand awareness. Kedua variabel tersebut juga berpengaruh positif dan signifikan terhadap peningkatan penjualan. Brand awareness terbukti berpengaruh positif dan signifikan terhadap peningkatan penjualan serta mampu memediasi hubungan antara strategi media sosial dan strategi mesin pencari dengan peningkatan penjualan. Temuan tersebut mengindikasikan bahwa implementasi strategi pemasaran digital yang terintegrasi mampu meningkatkan kesadaran merek sehingga berdampak pada peningkatan penjualan perusahaan. Implikasi penelitian memberikan rekomendasi kepada PT Bosowa Berlian Motor Cabang Makassar untuk mengoptimalkan pengelolaan media sosial, meningkatkan strategi optimasi mesin pencari (Search Engine Optimization/SEO), serta memperkuat aktivitas pembangunan brand awareness guna meningkatkan daya saing dan kinerja penjualan di industri otomotif. This study aims to examine the influence of social media strategy and search engine strategy on sales performance through brand awareness as a mediating variable at PT Bosowa Berlian Motor Makassar Branch. The study employed a quantitative approach using an explanatory research design to investigate the causal relationships among the research variables. The population consisted of customers and marketing staff of PT Bosowa Berlian Motor Makassar Branch, with a total sample of 72 respondents selected using a purposive sampling technique. Data were collected through a five-point Likert-scale questionnaire and analyzed using Path Analysis with the assistance of SPSS software. The findings reveal that both social media strategy and search engine strategy have positive and significant effects on brand awareness. Both variables also have positive and significant effects on sales performance. Brand awareness has a positive and significant effect on sales performance and mediates the relationships between social media strategy, search engine strategy, and sales performance. These findings indicate that implementing integrated digital marketing strategies enhances brand awareness, which ultimately improves organizational sales performance. The study recommends that PT Bosowa Berlian Motor Makassar Branch optimize its social media management, strengthen its Search Engine Optimization (SEO) strategy, and continuously develop brand awareness initiatives to improve competitiveness and sales performance in the automotive industry.
PENENTU KUALITAS LAPORAN KEUANGAN PERUSAHAAN: PERAN KOMITMEN MANAJEMEN, KOMPETENSI SDM, DAN PENGETAHUAN Firman Menne; La Ode Hasiara; Muhammad Yusuf; Andi Mattingaragau Tenritau; Nurhilalia Nurhilalia
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8719

Abstract

Tujuan yang ingin dicapai dalam penelitian ini adalah untuk mengetahui pengaruh komitmen manajemen, kompetensi SDM, pengetahuan, kejujuran, dan komunikasi, baik langsung maupun tidak langsung terhadap peningkatan kualitas laporan keuangan. Penelitian ini menggunakan pendekatan kuantitatif dengan model Struktural Equation Modelling (SEM). Hasil penelitian menunjukkan bahwa Pertama (1) Komitmen manajemen berpengaruh positif dan sigifinat baik langsung maupun tidak terhadap peningkatan kualitas laporan keuangan, (2) kompetensi Sumber Daya Manusia (SDM) berpengaruh secara positif signifikan terhadap peningkatan kualitas laporan keuangan, (3) pengetahuan berpengaruh positif dan signifikan terhadap kualitas laporan keuangan, (4) Kejujuran berpengaruh positif dan signifikan terhadap komunikasi. Kedua. Keempat variabel eksogen tersebut, yaitu Komitmen manajemen, Kompetensi Sumber Daya Manusia berpengaruh positif signifikan terhadap peningkatan kualitas laporan keuangan, Pengetahuan perpengaruh positif dan signifikan, baik langsung maupun tidak langsun terhadap Peningkatan Kualitas Laporan Keuangan, Standard Akuntansi berpengaruh secara positif signifikan terhadap peningkatan kualitas laporan keuangan. Keempat variabel tersebut berpengaruh positif dan signifikan terhadap peningkatan kualitas laporan signifikan. Aspek pengetahuan berpengaruh positif dan signifikan terhadap komunikasi dengan nilai yang tidak signifikan. Aspek kejujuran tidak berpengaruh positif dan signifikan terhadap kualitas laporan keuangan dan terakhir aspek komunikasi tidak berpengaruh positif dan signifikan terhadap kualitas laporan keuangan   The goal to be achieved in this study is to determine management commitment, HR competence, knowledge, honesty, and communication, both directly and indirectly. This research uses a quantitative approach with the Structural Equation Modeling (SEM) model. . The results showed that first (1) management commitment has a positive and significant effect both directly and indirectly on improving the quality of financial reports, (2) competence of Human Resources (HR) has a significant positive effect on improving the quality of financial reports, (3) knowledge of positive and significant influence on the quality of financial reports. (4) Honesty has a positive and significant effect on communication. Second. The four exogenous variables, namely Management Commitment, Human Resource Competence have a significant positive effect on improving the quality of financial reports, Knowledge has a positive and significant effect, both directly and indirectly on Improving the Quality of Financial Statements, Accounting Standards have a positive effect significant impact on improving the quality of financial reports. And these four variables have a positive and significant effect on increasing the quality of significant reports. The knowledge aspect has a positive and significant effect on communication with a non-significant value. The honesty aspect has no positive and significant effect on the Quality of Financial Statements and finally the communication Aspect has no positive and significant effect on the Quality of Financial Statements.
IMPLEMENTATION OF CUSTOMER RELATIONSHIP MANAGEMENT (CRM) IN EFFORTS TO IMPROVE CUSTOMER LOYALTY AT BANK SUMUT KCP SYARIAH HM YAMIN MEDAN Efendi, Bunga Artha Nefia; Nasution, Juliana; Yanti, Nursantri
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8747

Abstract

This study aims to analyze the implementation of Customer Relationship Management (CRM) and identify the obstacles encountered in its application to enhance customer loyalty at Bank Sumut KCP Syariah HM Yamin Medan. The study was motivated by the increasing importance of customer relationship strategies in the Islamic banking industry and the limited qualitative evidence regarding CRM implementation in regional Islamic banking institutions. A descriptive qualitative approach was employed, with data collected through in-depth interviews, observations, and documentation. Eight informants were purposively selected, consisting of three employees and five customers. Data were analyzed using the interactive model of data reduction, data display, and conclusion drawing, while data validity was ensured through source triangulation, technique triangulation, and member checking. The findings reveal that CRM implementation has been carried out through three main dimensions, namely people, process, and technology. The people dimension is reflected in responsive, friendly, and empathetic services provided by employees. The process dimension is implemented through customer identification, differentiation, interaction, and service customization activities. The technology dimension is supported by the utilization of mobile banking, internet banking, QRIS, and auto-debit facilities to improve service accessibility and efficiency. However, CRM implementation remains constrained by the absence of an integrated CRM system and limitations in human resources for conducting systematic customer relationship activities. The study concludes that effective integration of people, process, and technology contributes to strengthening customer relationships and enhancing customer loyalty. These findings provide practical insights for Islamic banking institutions seeking to improve customer relationship strategies and maintain sustainable customer loyalty in an increasingly competitive banking environment.
PENGARUH WORD OF MOUTH DAN PROMOSI PENJUALAN TERHADAP MINAT BELI KONSUMEN PRODUK VAPE Muhammad Alif Andika; Ihdina Gustina; Isra Rafika Sihombing
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8759

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Word of Mouth dan promosi penjualan terhadap minat beli konsumen pada Sempurna Jaya Rokok Vape. Penelitian ini dilatarbelakangi oleh semakin ketatnya persaingan bisnis vape yang menuntut perusahaan memahami faktor-faktor yang mampu meningkatkan minat beli konsumen. Kebaruan penelitian ini terletak pada pengujian simultan pengaruh komunikasi Word of Mouth dan promosi penjualan pada industri vape lokal yang masih relatif jarang dikaji dalam konteks perilaku konsumen di Indonesia. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 130 responden yang dipilih melalui teknik accidental sampling. Data dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa Word of Mouth dan promosi penjualan berpengaruh positif dan signifikan terhadap minat beli konsumen. Persamaan regresi yang diperoleh adalah Y = -10,494 + 0,903X + 0,614X, yang menunjukkan bahwa Word of Mouth memiliki pengaruh lebih dominan dibandingkan promosi penjualan. Secara simultan kedua variabel berpengaruh signifikan terhadap minat beli dengan nilai koefisien determinasi (R) sebesar [isi sesuai hasil penelitian], yang menunjukkan bahwa variasi minat beli konsumen dapat dijelaskan oleh Word of Mouth dan promosi penjualan. Secara teoretis, temuan ini memperkuat perspektif pemasaran relasional yang menempatkan komunikasi antar konsumen sebagai faktor penting dalam pembentukan minat beli. Secara praktis, perusahaan perlu mendorong terciptanya pengalaman konsumen yang positif guna menghasilkan Word of Mouth yang kuat serta mengintegrasikannya dengan strategi promosi penjualan yang efektif untuk meningkatkan daya tarik produk di pasar.   This study aims to analyze the influence of Word of Mouth and sales promotions on consumer purchasing interest at Sempurna Jaya Cigarette Vape. This study is motivated by the increasingly fierce competition in the vape business, which requires companies to understand the factors that can increase consumer purchasing interest. The novelty of this study lies in the simultaneous examination of the influence of Word of Mouth communication and sales promotions on the local vape industry, which is still relatively rarely studied in the context of consumer behavior in Indonesia. The study used a quantitative approach with a survey method on 130 respondents selected through accidental sampling techniques. Data were analyzed using multiple linear regression. The results showed that Word of Mouth and sales promotions had a positive and significant effect on consumer purchasing interest. The regression equation obtained was Y = -10.494 + 0.903X + 0.614X, which indicates that Word of Mouth has a more dominant influence than sales promotions. Simultaneously, both variables have a significant effect on purchasing interest with a coefficient of determination (R) of [fill in according to the research results], which indicates that variations in consumer purchasing interest can be explained by Word of Mouth and sales promotions. Theoretically, these findings reinforce the relationship marketing perspective, which places communication between consumers as a crucial factor in shaping purchase intention. Practically, companies need to foster positive consumer experiences to generate strong word of mouth and integrate this with effective sales promotion strategies to increase product appeal in the marketplace.
THE INFLUENCE OF ISLAMIC FINANCIAL LITERACY AND RISK AWARENESS ON MSMEs' DECISIONS IN CHOOSING ISLAMIC BANKING FINANCING IN KUALUH LEDONG DISTRICT Nuraini Nuraini; Zuhrinal M. Nawawi; Juliana Nasution
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8764

Abstract

The growth of Islamic banking in Indonesia has continued to show a positive trend, particularly in financing distribution and asset expansion. However, the utilization of Islamic banking financing by Micro, Small, and Medium Enterprises (MSMEs) remains relatively limited despite the sector’s substantial contribution to national economic development. This condition indicates that financing decisions are influenced not only by the availability of financial services but also by behavioral and cognitive factors. This study aims to examine the influence of Islamic financial literacy and risk awareness on MSMEs’ decisions in choosing Islamic banking financing in Kualuh Ledong District. The study employed a quantitative approach using an associative research design. Primary data were collected through questionnaires administered to 50 MSME owners selected using purposive sampling techniques. Data were analyzed using multiple linear regression, supported by validity and reliability tests, classical assumption tests, coefficient of determination analysis, and hypothesis testing through t-tests and F-tests. The findings reveal that Islamic financial literacy has a positive but insignificant effect on MSMEs’ decisions in selecting Islamic banking financing. In contrast, risk awareness has a positive and statistically significant effect on financing decisions. Simultaneously, Islamic financial literacy and risk awareness significantly influence MSMEs’ financing decisions, with a coefficient of determination of 68.1%, indicating that both variables explain a substantial proportion of decision-making behavior. The results suggest that risk considerations play a more dominant role than financial literacy in shaping financing choices among MSMEs. This study contributes to the Islamic finance literature by demonstrating that financing decisions are better explained through the integration of cognitive and risk-perception factors. The findings also provide practical implications for Islamic banking institutions to strengthen risk-management education alongside efforts to improve Islamic financial literacy among MSME actors.
DORMANT ACCOUNT SETTLEMENT STRATEGY IN HANDLING COMPLAINTS AT PT BANK SUMUT SYARIAH BRANCH OFFICE HM YAMIN MEDAN Yuli Andini; Muhammad Lathief Ilhamy Nasution; Ahmad Syakir
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8835

Abstract

Dormant accounts represent an important challenge in Islamic banking because they indicate declining customer transaction activity, reduced engagement, and potential decreases in customer loyalty. This study aims to analyze the dormant account settlement strategy implemented by PT Bank Sumut Syariah KCP HM Yamin Medan and examine its relationship with service quality and customer complaint handling. The study employed a qualitative approach with a descriptive research design. Data were collected through interviews, observations, and documentation, and analyzed using the Unified Theory of Acceptance and Use of Technology (UTAUT) and SWOT analysis. The findings reveal that from April 2025 to February 2026, there were 159 dormant accounts, primarily caused by low transaction intensity, changing customer preferences, limited access to banking facilities, and increasing competition among banking institutions. The bank has implemented a structured settlement strategy through automatic account categorization, customer verification, and account reactivation procedures based on prudential banking principles. However, the existing approach remains largely administrative and has not fully addressed the underlying behavioral and service-related factors contributing to account inactivity. The study further indicates that dormant accounts are closely associated with customer satisfaction, service quality, and relationship management. Therefore, Islamic banks need to adopt a more proactive strategy by strengthening customer communication, optimizing digital banking services, and enhancing customer engagement programs. These efforts are expected to reduce the growth of dormant accounts, improve customer loyalty, and support the sustainability of third-party funds in Islamic banking institutions.
KESEJAHTERAAN DRIVER OJEK ONLINE DALAM PERSPEKTIF CIBEST: STUDI KASUS DI KOTA MEDAN Harahap, Anggina Khairani; Jannah, Nurul
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8905

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat kesejahteraan pengemudi ojek online di Kota Medan menggunakan pendekatan CIBEST (Center of Islamic Business and Economic Studies) yang mengintegrasikan dimensi kesejahteraan material dan spiritual. Penelitian ini dilandasi oleh Theory of Islamic Welfare yang menekankan bahwa kesejahteraan tidak hanya diukur dari aspek pendapatan material, tetapi juga mencakup dimensi spiritual, nilai, dan keberkahan hidup. Pendekatan CIBEST dipilih karena mampu memberikan analisis yang lebih komprehensif terhadap kondisi pekerja sektor informal yang tidak hanya menghadapi ketidakstabilan ekonomi, tetapi juga tantangan dalam pemenuhan aspek spiritual dan sosial. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Informan penelitian terdiri atas delapan pengemudi ojek online aktif di Kota Medan yang dipilih secara purposive berdasarkan tingkat aktivitas kerja dan keterlibatan dalam platform digital. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi, kemudian dianalisis secara deskriptif kualitatif dengan pemetaan ke dalam empat kuadran CIBEST, yaitu sejahtera, miskin material, miskin spiritual, dan miskin absolut. Hasil penelitian menunjukkan bahwa tingkat kesejahteraan pengemudi ojek online di Kota Medan bersifat heterogen. Pendapatan harian informan berkisar antara Rp80.000 hingga Rp250.000, namun bersifat fluktuatif karena dipengaruhi oleh jumlah order, jam kerja, dan kebijakan algoritma platform digital. Temuan ini menunjukkan bahwa stabilitas ekonomi pengemudi tidak hanya ditentukan oleh faktor individual, tetapi juga oleh sistem kerja berbasis platform yang bersifat dinamis. Selain itu, penelitian ini menemukan adanya ketidakseimbangan antara kesejahteraan material dan spiritual, di mana sebagian informan dengan pendapatan cukup tetap berada pada kondisi spiritual yang rendah berdasarkan indikator CIBEST. Novelty penelitian ini terletak pada penerapan pendekatan CIBEST dalam konteks pekerja gig economy berbasis platform digital di tingkat lokal, khususnya pengemudi ojek online di Kota Medan, yang belum banyak dikaji dalam perspektif kesejahteraan Islam holistik. Dengan demikian, penelitian ini memberikan kontribusi teoritis terhadap pengembangan kajian Islamic welfare serta kontribusi praktis bagi perumusan kebijakan perlindungan sosial yang lebih inklusif bagi pekerja sektor informal digital. This study aims to analyze the welfare level of online motorcycle taxi drivers in Medan City using the CIBEST (Center of Islamic Business and Economic Studies) approach that integrates the dimensions of material and spiritual welfare. This study is based on the Theory of Islamic Welfare which emphasizes that welfare is not only measured by the aspect of material income, but also includes the spiritual dimension, values, and blessings of life. The CIBEST approach was chosen because it is able to provide a more comprehensive analysis of the conditions of informal sector workers who not only face economic instability, but also challenges in fulfilling spiritual and social aspects. This study uses a qualitative method with a case study approach. The research informants consisted of eight active online motorcycle taxi drivers in Medan City who were selected purposively based on their level of work activity and involvement in digital platforms. Data were collected through in-depth interviews, observation, and documentation, then analyzed descriptively qualitatively by mapping them into four CIBEST quadrants: prosperous, materially poor, spiritually poor, and absolute poor. The results show that the welfare level of online motorcycle taxi drivers in Medan City is heterogeneous. The informants' daily income ranged from Rp80,000 to Rp250,000, but fluctuated due to the influence of the number of orders, working hours, and the digital platform's algorithmic policies. These findings suggest that drivers' economic stability is not solely determined by individual factors, but also by the dynamic nature of the platform-based work system. Furthermore, this study found an imbalance between material and spiritual well-being, with some informants with sufficient income remaining in a low spiritual state based on the CIBEST indicator. The novelty of this study lies in the application of the CIBEST approach to the context of digital platform-based gig economy workers at the local level, specifically online motorcycle taxi drivers in Medan City, who have not been widely studied from a holistic Islamic welfare perspective. Thus, this study provides a theoretical contribution to the development of Islamic welfare studies as well as a practical contribution to the formulation of more inclusive social protection policies for digital informal sector worker.
PENGARUH USAHA PRODUKTIF DAN PERILAKU KEUANGAN SYARIAH TERHADAP KESEJAHTERAAN MUSTAHIK BAZNAS MEDAN Fadlan Arrasyid Bintang; Muhammad Syahbudi; Juliana Nasution
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8919

Abstract

Penelitian ini berfokus pada analisis pengaruh usaha produktif dan perilaku keuangan syariah pada kesejahteraan mustahik di Badan Amil Zakat Nasional Kota Medan. Kajian ini berlandaskan pada teori kesejahteraan (welfare theory) dan teori perilaku keuangan syariah (Islamic financial behavior), yang menjelaskan bahwa penguatan aktivitas ekonomi produktif serta penerapan prinsip-prinsip keuangan Islam berpotensi memberikan kontribusi terhadap peningkatan kesejahteraan individu mustahik.Studi ini dirancang menggunakan metode kuantitatif yang bersifat eksplanatori untuk menjelaskan hubungan anta variabel. Populasi penelitian terdiri atas mustahik penerima zakat produktif di BAZNAS Kota Medan, dengan jumlah sampel sebanyak 100 responden yang dipilih melalui teknik purposive sampling.Pengumpulan data dilakukan melalui instrument kuisioner dengan skala Likert lima poin, selanjutnya data diolah menggunakan analisis regresi berganda berbantuan perangkat lunak SPSS versi 26. Instrumen penelitian diuji melalui serangkaian pengujian validitas dan reliabilitas, sementara kelayakan model regresi dievaluasi melalui serangkaian uji asumsi klasik. Hasil penelitian menunjukkan bahwa Hasil analisis menunjukkan bahwa pengembangan usaha produktif memberikan pengaruh yang nyata dan searah terhadap peningkatan kesejahteraan penerima zakat, dengan nilai B = 0,914, t = 13,452, dan signifikansi p = 0,000. Sementara itu, Sebaliknya, penerapan perilaku keuangan berbasis syariah belum terbukti memberikan dampak yang berarti secara statistik terhadap kesejahteraan mustahik, dengan B = -0,060, t = -0,840, dan p = 0,403. Secara simultan, kedua variabel independen terbukti berpengaruh secara bermakna terhadap kesejahteraan mustahik dengan nilai F = 91,630 (p = 0,000), serta koefisien determinasi R² sebesar 0,654. Nilai tersebut menunjukkan bahwa Artinya, sebesar 65,4% perubahan pada tingkat kesejahteraan mustahik mampu dijelaskan oleh kedua variabel tersebut, sedangkan sisanya dipengaruhi oleh faktor faktor lain di luar model. Kebaruan penelitian ini terletak pada penggabungan variabel usaha produktif dan perilaku keuangan syariah dalam konteks pengelolaan zakat produktif di BAZNAS Kota Medan, yang dalam literatur sebelumnya masih terbatas dikaji secara simultan. Secara praktis, hasil penelitian ini menyarankan agar BAZNAS Kota Medan mengoptimalkan program pemberdayaan penerima zakat dengan mengitegrasikan tiga pilar utama, yaitu: dukungan permodalan usaha, bimbingan teknis usaha, serta edukasi literasi keuangan syariah yang berkesinambungan. This research seeks to examine how productive economic activities and the application of islamic financial principles affect the well being of zakat recipients managed by BAZNAS Medan City. The study is grounded in welfare theory and Islamic financial behavior theory, which explain that the development of productive economic activities and compliance with Islamic financial principles may contribute to improving the welfare of individual mustahik. The study adopted quantitative methodology with an explanatory design to analyze causal relationships among the variables. All mustahik receiving productive zakat assistance from BAZNAS Medan City formed the research population, from which 100 individuals were selected as samples using a purposive sampling technique. Data collection was carried out using a Likert-based questionnaire instrument and subsequently processed through multiple linear regression analiysis using SPSS version 26. The research instruments underwent validity and reliability evaluation, while classical assumption tests were performed to verify the suitability of the regression model. The results reveal that produvtive business activities exert a positive and statistically significant influence on the welfare of mustahik, as evidenced by B = 0.914, t = 13.452, and p = 0.000. Conversely, in contrast, Islamic financial behaviour was found to have no statistically meaningful effect on mustahik welfare, with B = -0.060, t = -0.840, p = 0.403. Simultaneously, the two variables have a significant effect Simultaneously, both variables significantly affected mustahik welfare (F =9.630; p=0.000), with an R² of 0.654, indicating that 65.4 % of the variance in mustahik welfare is accounted for by productive business and Islamic financial behaviour, while the remaining percentage is influenced by other factors outside the research model. The novelty of this study lies in the integration of productive business activities and Islamic financial behavior variables within the context of productive zakat management at BAZNAS Medan City, which has been relatively limited in previous studies examining these variables simultaneously. In practical terms, the findings recommend that BAZNAS Medan City strengthen its mustahik empowerment program by integrating business capital assistance with business mentoring and sustainable Islamic financial literacy.

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