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Contact Name
Patrisius
Contact Email
triginpublishing@gmail.com
Phone
+6281360000891
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triginpublishing@gmail.com
Editorial Address
Jl. Cikutra Baru, Bandung, Provinsi Jawa Barat, 40124
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Kota bandung,
Jawa barat
INDONESIA
International Journal of Applied Finance and Business Studies
Published by Trigin Institute
ISSN : 23383631     EISSN : 28099982     DOI : https://doi.org/10.35335/ijafibs
Core Subject : Economy, Science,
International Journal of Applied Finance and Business Studies is published with both online and print versions devoted to provide the publication of research finding in finance and business research studies. Objectives The main goal of ijafibs is to present outstanding, high quality research developments in all areas of finance and business research to a broad audience of academicians and professionals.
Articles 307 Documents
The linkage of perceptions of online loans and financial literacy to interest in online loans with lifestyle as a moderating variable Elida Florentina Sinaga Simanjorang; Anita Sri Rejeki Hutagaol; Emul Mulyana; Bactiar Rifai; Asep Syiarudin
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.111

Abstract

The development of digital information technology encourages faster information dissemination, making it easier for everyone to get access to the desired service. One impact is the convenience of financial institutions (non- banks) to provide online loan services. This institution also has the convenience of attracting its customers. This convenience has also led to the large number of official and unofficial online lending arrangements which often mislead their customers. The perception of convenience without thinking about risk is one of the reasons, the presence of financial literacy socialization is expected to minimize the negative impact of this online loan. The research was conducted on 100 Generation Z respondents in Pandeglang district, Banten province. Statistical analysis using SEM-PLS software version 4.0. Research shows that there is a positive influence between perceptions of interest in online loans, while the hypothesis put forward is that there is a negative influence between the two variables
The relationship between knowledge, awareness, perceptions of mses on compliance with the halal process with self-declared as a moderating variable Emul Mulyana; Enjat Sudrajat; Meri Lustianah; Masitoh Masitoh
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.114

Abstract

Indonesia is ranked fourth in the world's halal product players, even though Indonesia has the largest Muslim population. The study aims to determine whether there is an effect of knowledge on compliance with the Halal Product Process (PPH) for Micro and Small Enterprises (MSEs). To find out whether awareness affects PPH compliance, does perception affect PPH compliance. Updates in this study include self-declare as a moderating variable on the relationship between knowledge and compliance, as a moderating variable on the relationship between awareness and compliance, as a moderating variable for the influence of perceptions on PPH compliance. The research was conducted on 400 small and medium enterprises (MSEs) in Banten province. This research is a quantitative research with a casual descriptive approach and was processed using PLS software version 4.0, indicating a positive effect of knowledge on PPH compliance. There is a positive influence between awareness on PPH compliance. There is a positive influence on perceptions on PPH compliance. Meanwhile, the self-declared hypothesis which moderates the three relationships above, none of which can be accepted
Inhibitors of lecturer agility at private universities in Makassar City Al Kausar Kalam; Fadliyani Nawir; Megawaty Megawaty
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.115

Abstract

Along with the rapid developments in the world of education, private tertiary institutions need to be able to adapt to rapid environmental changes, such as technology and increasingly fierce competition. Lecturer agility is key in ensuring private tertiary institutions can remain relevant and sustainable in dealing with these changes. This research aims to analyze the factors that hinder lecturer agility at private universities in Makassar City. Lecturer agility is the ability of individual lecturers to adapt to changes in the environment, so it is important to ensure the sustainability and success of private universities. From the extraction results in the form of a component matrix, the variable with the highest order is low level of appreciation (X13), then lack of professional development (X12), followed by lack of support from higher education leaders (X9), lack of innovation culture (X20), culture organization (X5), lack of knowledge about agility (X15), Slow organizational change (X8), Limited resources (X1), lack of access to resources (X16), Lack of support from colleagues (X14), Limited time (X18 ), lack of lecturer motivation (X10), lack of recognition of success (X17), lack of access to technology (X7), policies and regulations (X3), time constraints (X4), lack of support from family (X19), professional recognition variable, Rigid curriculum (X2), demands from students (X11) and lack of collaboration between disciplines (X6). So the opinion of PTS lecturers in the city of Makassar. regarding what factors can inhibit lecturer agility at private universities in Makassar City.
The influence of transformational leadership style and situasional leadership on employee job satisfaction in the population and civil registration office of Tangerang Regency Intan August Vina; Herayati Herayati; Martinus Wahyu Purnomo
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.116

Abstract

Transformasional leadership, characterized by the development of a clear vision, providing inspiration, and fostering indivisual growth, is believed to influence employee job satisfaction. Situasional leadership, which adapts leadership styles to different needs and situations, can also play a significant role in creating optimal job satisfaction. The objective of this research is to determine whether transformational and situational leadership styles, either individually or in combination, impact employee job satisfaction in the Department of Population and Civil Registration of Tangerang Regency. This research method collected data through questionnaires from 38 employees in the Department of Population and Civil Registration of Tangerang Regency. The results of the F-test produced an F-value of 61.149. It can be concluded that the calculated F-value of 61.149 is greater than the tabulated F-value of 3.267. Furthermore, in the T-test, the calculated T-value for variable X1 is 5.855, which is greater than the tabulated T-value of 2.030, and the calculated T-value for variable X2 is 2.764, which is also greater than the tabulated T-value of 2.030. Both variable decisions are based on a significance level 0f 0,000, which is smaller than 0,05. It can be concluded that both X1 and X2 have a significant impact on employee job satisfaction. Additionally based on the F-test results, it can be concluded that both variables also have a positive impact on employee job satisfaction with the calculated F-value being greater than the tabulated F-value.
Empirical factors in increasing return on assets at islamic banks in Indonesia Mina Wati Dewi; Akhmadi Akhmadi; Wawan Ichwanudin
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.117

Abstract

The purpose of this study is to develop a research model to overcome business phenomena and research gaps between Operating Costs and operating Income and NonPerforming Financing on Return on Asset with Funding to Deposit Ratio as a mediating variable at Islamic Commercial Banks in Indonesia (Case Study on Islamic Commercial Banks in Indonesia listed on the IDX in 2016-2020). The data collection method used is literature study and documentation study. Sampling using the saturated sampling method obtained as many as 11 Islamic banks. The available data has met the requirements for using multiple linear regression equation models. Hypothesis testing uses a significance test (t-test), coefficient of determination test (R2), and SPSS test. Coefficient of determination (R2) and Sobel test. The results of this study indicate that Operating Expenses and Operating Income have a negative and significant effect on Return on Assets, and the Funding Deposit Ratio has no considerable impact on Return on Assets. At the same time, Operating Costs and operating Income have no significant effect on the Deposit Ratio. Intervening Funding to Deposit Ratio cannot mediate the relationship between Operating Costs and operating Income with Return on Assets. In addition, the author hopes this research can theoretically contribute to the financial management and banking literature in this context.
The influence of extrinsic motivation and job satisfaction on employee performance with work discipline as an intervening variable Fiane Rina Sambuaga; Satia Aprilia
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.122

Abstract

This study aims to determine the effect of extrinsic motivation and job satisfaction on employee performance with work discipline as an intervening variable at CV. Satia Papua Indah. This research is included in the category of causal associative research using a quantitative approach. The population in this study were cleaning service (CS) employees at CV Satia Papua Indah, totaling 30 people. The data collection technique used is multiple regression and path analysis and sobel test. The results showed that: (1) Extrinsic motivation affects work discipline, (2) job satisfaction affects work discipline, (3) Extrinsic motivation directly has no effect on performance but indirectly has a significant effect on performance through work discipline in CV employees. Satia Papua Indah, (4) Job satisfaction directly has no effect on performance but indirectly affects performance through work discipline in CV employees. Satia Papua Indah, (5) work discipline affects employee performance.
Relevance of the capital adequacy ratio, as a mediator of its contribution to return on assets empirical study on the conventional banking sector listed on the Indonesia Stock Exchange in 2018-2022 Al Fauzi Hakim; Akhmadi Akhmadi; Wawan Ichwanudin
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.123

Abstract

Banking is an institution that has a crucial role in stimulating the economy. This study aims to develop a research model to address the business phenomenon and research gap between loan-deposit to ratio on Return on Asset with capital adequacy ratio as a mediating variable. The method used by the author in this research is a descriptive quantitative method with an associative approach. The population in this study was 47 conventional banks listed on the Indonesia stock exchange; the sample in this study was 13 banking companies, according to the research variables concerning public financial reports from 2018-2022. Sampling techniques with purposive sampling were used. Data analysis techniques with regression and path analysis using the sobelt test. The results showed that loan deposit to ratio has a significant effect on return on assets, loan deposit to ratio has a significant impact on capital adequacy ratio, loan deposit to ratio has a significant effect on return on investments, capital adequacy ratio can mediate the impact of loan deposit to ratio on return on assets. In addition, the authors hope this research can make a theoretical contribution to the financial management and banking literature in this context.
Moderation of non-performing financing on the effect of buying and selling financing on return on assets empirical study on Islamic banking in Indonesia in 2015-2020 Jajuli Jajuli; Imam Sofi'i; Didit Haryadi
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.124

Abstract

Banking is an institution that has an essential role in driving the economy. This research aims to develop a research model to overcome business phenomena and the research gap between buying and selling financing and the Return on Assets ratio with the non-performing financing ratio as a moderating variable. The method used by the author in this research is a quantitative descriptive method with an associative approach. The population in this study was 13 Islamic banks listed on the Indonesia Stock Exchange. The sample in this research is 9 Islamic banking companies according to research variables regarding public financial reports for 2015-2020. The sampling technique using purposive sampling was used. Data analysis techniques using regression and path analysis use the moderating regression analysis test. The research results show that buying and selling financing significantly affects Return On Assets, non-performing funding significantly impacts return on assets, and non-performing financing can moderate and strengthen the influence of buying and financing of sale on return on assets. The author hopes this research can provide a theoretical contribution to this context's financial management and banking literature.
The influence of work discipline and work motivation on the performance of employees of disduk capil of disduk capil Tangerang Regency Tamara Nurfadillah; Herayati Herayati; Martinus Wahyu Purnomo
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.125

Abstract

Based on the results of temporary observations in the field, it appears that there are several problems related to employee performance. In terms of Work Discipline and in terms of work motivation. If this is left unchecked and does not get attention, it will have an impact on the performance of the Tangerang Regency Population and Civil Registration Office employees. This study aims to determine whether work discipline and work motivation simultaneously or partially affect the performance of employees of the Tangerang Regency Population and Civil Registration Office. The sample of this research is 38 respondents. The data analysis technique used is the multiple linear regression equation. The results of the study show that work discipline and work motivation have a significant simultaneous effect on employee performance at the Department of Population and Civil Registration of Tangerang Regency. calculated F value of 19,487 > F table 3.27, with a sig value of 0.00 <0.05. Work Discipline partially has a significant effect on employee performance at the Department of Population and Civil Registration of Tangerang Regency. with a calculated t value of 2.139 > t table of 2.0301, with a sig value of 0.039 <0.05 and work motivation partially has a significant effect on the performance of the Tangerang Regency Population and Civil Registration Service Employees. with a calculated t value of 3.475 > t table of 2.0301, with a sig value of 0.001 <0.05.
Dynamic capability of servant leadership as a triggering factor for organizational commitment and employee performance Muhamad Teguh Setiadi; Imam Sofi’i; Wahyudi Wahyudi; Didit Haryadi
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.127

Abstract

Among effective management systems, the importance of human resources is increasing. Employee performance is an essential factor that influences success. In an organization, it is one of the most critical functions of an agency. This research aims to determine the variables that affect employee performance and develop a theoretical basis and research model. This research used an associative descriptive quantitative method with a population of 244 respondents, employees of the Public Works and Spatial Planning Department, and a sample of 150 respondents who were employees of the Public Works and Spatial Planning Department with probability sampling using the proportional stratified random sampling method. One hundred fifty questionnaire data have been obtained and processed. The results of this research show that the first hypothesis is that employee performance is significantly influenced by servant leadership, the second hypothesis is that organizational commitment is influenced considerably by servant leadership, the third hypothesis is that employee performance is influenced substantially by organizational commitment, the fourth hypothesis is that organizational commitment can mediate the influence of servant leadership on employee performance. It is hoped that this research can provide a theoretical contribution to the literature in this context, of course, in the context of human resource management.

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