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Journal of Economics and Business Letters
Published by PRIVIETLAB
ISSN : 27988651     EISSN : 27984885     DOI : -
JEBL: Journal of Economics and Business Letters is an open access, six-annually peer-reviewed international journal published by PRIVIETLAB. It provides an avenue to academicians, researchers, managers and others to publish their research work that contributes to the knowledge and theory of Economics and Business related disciplines. JBEL is published six a year. Publisher of Open Access Journals & Books designed to make it easy for worldwide researchers to discover leading-edge scientific research. Working closely with the global scientific community has been at the heart of our book and journal publishing activity. With a portfolio including journals, books, conference proceedings, we focus on Economics, Business, Finance, Management, Accounting, E-Business, and many more. PRIVIETLAB also publishes on behalf of other scientific organizations and represents their needs and those of their members. With worldwide impact, we support researchers, librarians and societies in their endeavours. PRIVIETLAB is an international center for supporting distinguished researchers, teachers, scholars and students who are researching various areas of Business, Science, and Technology. PRIVIETLAB wishes to provide good chances for academic and industry professionals to discuss recent progress in various areas of Business, Science, and Technology. PRIVIETLAB organizes many international conferences, symposia and workshops every year, and provides sponsor or technical support to researchers who wish to organize their own conferences and workshops.
Articles 5 Documents
Search results for , issue "Vol. 5 No. 4 (2025): August 2025" : 5 Documents clear
Integrating product portfolio and supply chain design for sustainable construction Muktar, Itai; Ailemen, Ikpefan; Uchechukwu, Okorie; Timilehin, Olubuyi
Journal of Economics and Business Letters Vol. 5 No. 4 (2025): August 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jebl.v5i4.380

Abstract

This study examined the relationship between public infrastructure expenditure on information technology, electricity and economic growth using real gross domestic products as proxy. The methods of data analysis and estimation technique are Ordinary Least Square (OLS) method, Augmented Dickey Fuller (ADF) method, Unit Root Test, Johansen Co-integration Test and Error Correction Model. Data on these variables from 1981 to 2021 were sourced from the Central Bank of Nigeria Statistical Bulletin (CBN, 2021) and World Development indicators. The evidence from the long-run coefficient of public expenditure on infrastructural development has significantly impacted on economic growth, therefore infrastructure development expenditure is seen to constitute significant determinant of economic growth particularly for developing countries. The study suggested analysis of the elasticity of growth towards public expenditure on economic services and government need to take proactive and concerted effort to significantly enhance economic growth through fiscal policy targeted on sustainable economic service provision.
Alignment of product design and supply chain for enhancing sustainability and coordination in industries Forouzandeh, Mohammad
Journal of Economics and Business Letters Vol. 5 No. 4 (2025): August 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jebl.v5i4.423

Abstract

Choosing a project portfolio to improve sustainability in the supply chain is a vital issue for industries. The main goal of the portfolio is to align the organization’s strategic objectives with project selection, ensuring that these projects make a meaningful contribution to the overall sustainability of the portfolio. This research specifically examines the integration of product portfolio design and supply chain design in the construction industry. The study utilizes an analytical model and optimization techniques to propose innovative solutions aimed at enhancing the alignment between suppliers and the product portfolio. Improving the efficiency and flexibility of the supply chain is accomplished through optimal coordination of both the product portfolio and the supply chain portfolio. This research explores how supply chain networks align with the product portfolio, focusing on creating flexibility in product portfolio management processes, managing changes, and addressing variability in different characteristics. The results indicate that effective and timely integration of product portfolio design with supply chain design can lead to reduced organizational costs and increased overall productivity. Improved coordination and integration between suppliers and final products have resulted in enhanced supply chain performance and lower ongoing organizational expenses.
The effect of Customer Relationship Management (CRM), service quality, and value creation on customer satisfaction among customers of PT. Pegadaian (Persero) Cisalak Branch - Depok Noviono, Andhi Dwy
Journal of Economics and Business Letters Vol. 5 No. 4 (2025): August 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jebl.v5i4.840

Abstract

This study investigates how Customer Relationship Management (CRM), service quality, and value creation shape customer satisfaction in a public pawn-based financial institution. Using a quantitative, cross-sectional survey of 125 customers at PT Pegadaian (Persero) Cisalak Branch (Depok), we operationalize CRM, service quality (SERVQUAL dimensions), value creation (product, price, promotion, place), and satisfaction on five-point Likert scales. Bivariate correlations show all three antecedents are positively and significantly associated with satisfaction (p < 0.01). In multiple regression, the joint model is significant (F = 32.161, p < 0.001) and explains 44.4% of the variance in satisfaction; service quality (β = 0.355, p < 0.001) and value creation (β = 0.327, p < 0.001) retain strong, independent effects, while CRM’s partial effect becomes statistically non-significant when the other predictors are included. Descriptive results highlight consistently favorable perceptions of frontline assistance and pricing/fee structures, with opportunities to improve complaint handling, expectation alignment for appraisal amounts, and reminder practices. The findings imply that satisfaction in this context is won primarily “at the counter” (reliable, responsive, empathetic service) and “at the ledger” (transparent, fair, and flexible economics), with CRM best positioned as an enabling backbone that strengthens execution and tailored communication. Managerially, an integrated program that hardwires service standards, clarifies value propositions, and uses CRM data to personalize outreach is most likely to convert repeat usage intent into durable loyalty.
Credit control and interest-income reliability in a community microfinance cooperative: Evidence from a kelurahan - level PMK case Puryani, Ari
Journal of Economics and Business Letters Vol. 5 No. 4 (2025): August 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jebl.v5i4.854

Abstract

This study examines how credit control disciplines—process conformance, authorization limits, collection oversight, and accounting recognition—shape the stability of interest income in a kelurahan-level microfinance cooperative (Koperasi PMK). Using a descriptive–analytic, quantitative design with secondary financial statements, the analysis connects the cooperative’s Standard Operating Procedures (Institutional and Education SOPs) to the full credit cycle (origination, appraisal, approval, disbursement, collection, remedial) and to recognition policies for performing and non-performing loans. Findings indicate a consistent execution gap: although approval hierarchies, 5C/7C screening, and periodic reviews are formally specified, field-intensive collections and limited information systems delay risk classification and accrual suspension. The absence of a dedicated accrued-interest ledger (PYMAD) and incomplete off-balance-sheet treatment for NPLs create a bias toward overstated interest income during stress, followed by reversals. The study argues that hardening execution—not redesigning policy—yields the highest payoff: enforce status-based recognition (accrual for performing, cash basis for deteriorated), stand up PYMAD and provisioning by collectibility bucket, implement maker–checker and daily receipt–ledger reconciliations in collections, and institutionalize monthly early-warning reviews under board and supervisory oversight. These steps trade short-term reported income for durable, decision-useful interest earnings, aligning sustainability with the cooperative’s outreach mandate.
Teacher competence, school management, and organizational culture as joint drivers of teacher productivity: Evidence from SMA Negeri 66 Jakarta Wahyudi, Didi
Journal of Economics and Business Letters Vol. 5 No. 4 (2025): August 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jebl.v5i4.855

Abstract

This study investigates whether teacher competence, school management, and organizational culture jointly and separately shape teacher productivity in a public urban high school context. Using a census of 63 teachers at SMA Negeri 66 Jakarta, we administered multi-item Likert instruments aligned with national education standards and management/culture frameworks. Psychometric screening yielded high internal consistency across scales (α ≈ 0.88–0.96), and classical OLS assumptions (normality, homoskedasticity, linearity, absence of harmful multicollinearity) were satisfied. Bivariate analyses showed that competence had the strongest zero-order association with productivity (r ≈ 0.92; R² ≈ 81%), followed by organizational culture (r ≈ 0.61; R² ≈ 37%) and school management (r ≈ 0.44; R² ≈ 19%). In the simultaneous model, all predictors remained positive and significant, with combined explanatory power around 38–39% (p < .001). Notably, organizational culture exhibited the largest marginal coefficient when controlling for the other variables, indicating that a collaborative, disciplined, and trust-rich culture amplifies the translation of individual competencies into observable performance. Managerially, the results imply that targeted improvements in budgeting transparency and cycle discipline, structured peer learning (e.g., lesson study, peer observation), and timely, specific recognition can elevate productivity beyond its already favorable baseline. The findings support a triadic productivity model in which capability (competence), systems (management), and norms (culture) operate as complementary levers of performance.

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