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Patrisius
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triginpublishing@gmail.com
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+6281360000891
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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 295 Documents
Descriptive study of tumbler user behavior to support green market development Pasaribu, Widi Sriwahyuni; Sormin, Surmida; Hazimah, Zulfa
International Journal of Applied Finance and Business Studies Vol. 13 No. 3 (2025): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i3.432

Abstract

The environmental impact of plastic waste is extremely significant. Because plastic can take centuries to break down, it poses serious risks to wildlife, harms marine habitats, and can negatively affect human health. Growing global concern about this issue has encouraged people to switch to more ecofriendly products, while also creating opportunities for businesses to adapt their strategies to be more sustainable. This study employs a descriptive approach to examine the behavior of individuals using tumblers as eco-friendly products especially Gen Z , utilizing cross-tabulation techniques with SPSS software. The objective is to analyze the relationship between respondent profiles and their eco-friendly product usage. Data and descriptions regarding tumbler users in Medan City provide valuable insights for companies in the green entrepreneurship sector. The findings indicate that potential green consumers are predominantly female, aged 17-20, and currently students. Their primary motivation for choosing stainless steel tumblers is economic and practical considerations, followed by environmental awareness. These results offer a reference for green companies in the design and development of eco-friendly products and green marketing in particular.
The impact of fintech on sustainability performance through financial inclusion: A case study of MSME actors in Indonesia using diffusion of innovation theory (DIT) Kolefiyan, Ihsyan
International Journal of Applied Finance and Business Studies Vol. 13 No. 4 (2026): March: Applied Finance and Business Studies
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i4.435

Abstract

This study analyzes the role of Financial Technology (FinTech) in improving the sustainability performance of MSMEs in Indonesia by positioning financial inclusion as a mediating mechanism within the Diffusion of Innovation Theory (DIT) framework. Although various studies acknowledge the contribution of FinTech to business sustainability, the mechanisms explaining how FinTech adoption translates into sustainable performance achievements have not been empirically studied, especially in the context of MSMEs in developing countries. To fill this gap, this study uses a quantitative survey-based approach involving 205 MSME actors who use FinTech services in Indonesia. The data is analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the direct and indirect relationships between FinTech, financial inclusion, and sustainability performance. The results of the study indicate that FinTech has a positive and significant effect on financial inclusion and sustainability performance. In addition, financial inclusion also has a positive and significant effect on sustainability performance and acts as a significant mediator in the relationship between FinTech and sustainability performance. These findings indicate that FinTech will be more effective in promoting the sustainability of MSMEs if accompanied by the expansion of inclusive digital financial access. Theoretically, this study expands the application of DIT from merely explaining innovation adoption to understanding the performance implications of digital financial innovation. Practically, these findings emphasize the importance of strengthening an inclusive digital financial ecosystem to support the sustainability of MSMEs in Indonesia.
The effect of product quality, trust, and satisfaction on customer loyalty at PT X Raudah, Raudah; Wasiman, Wasiman
International Journal of Applied Finance and Business Studies Vol. 13 No. 3 (2025): December: Applied Finance and Business Studies
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i3.436

Abstract

This study investigates the influence of product quality, trust, and satisfaction on customer loyalty at PT X, an automotive service company. Using a quantitative approach with 100 respondents and data analyzed through SPSS 25, the results reveal that all three independent variables, product quality, trust, and satisfaction, have positive and significant effects on customer loyalty, both partially and simultaneously. Product quality emerged as the most dominant factor influencing loyalty, while trust and satisfaction contributed to strengthening long-term customer relationships. The findings imply that improving product quality, maintaining customer trust, and enhancing satisfaction are essential strategies for developing sustainable customer loyalty. This research also reinforces consumer behavior theories asserting that loyalty is built through the combined effect of perceived quality, trust, and satisfaction, offering both theoretical and managerial insights for similar industries
The effect of job training and work environment on employee performance at PT. Suri Motor Indonesia Susilo, Herman; Edityawati, Mega Indah; Suhardi, Suhardi
International Journal of Applied Finance and Business Studies Vol. 13 No. 4 (2026): March: Applied Finance and Business Studies
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i4.438

Abstract

Study this aim for know influence training work and environment Work to performance employees at PT. Suri Motor Indonesia. The research method used is approach quantitative with technique analysis multiple linear regression. Hypothesis testing done through a number of stages, namely the F test, t test, coefficient determination (R²), as well as identification the most dominant variable. The results of the analysis show that equality regression obtained is: Y = 1.378 + 0.280X₁ + 0.605X₂. Based on the F test, it is obtained mark F count of 62,527 > Ftable 3,080 with mark significance of 0.000, which means training work and environment Work in a way simultaneous influential significant to performance employees. Furthermore, the value coefficient Adjusted R² determination of 0.524 shows that 52.4% of the variation performance employee can explained by both variables independent, whereas the remaining 47.6% is explained by other factors outside the research model. Based on the t-test, training Work influential significant in a way partial to performance employees (t hitung = 3.975 > ttabel = 1.98209; sig. = 0.000), as well as the environment work (thitung = 7.521 > ttabel = 1.98209; sig. = 0.000). From the results of the standardized beta coefficients, it is known that that environment Work is the most dominant variable influence performance employee with beta value of 0.550. With thus, it can concluded that improvement training work and creation environment good work plays a big role in increase performance employee.
The influence of brand awareness, brand ambassador, and brand image on the purchasing decision of viva beauty products in Batam City Melawati, Hera; Husein, Alice Erni
International Journal of Applied Finance and Business Studies Vol. 13 No. 3 (2025): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i3.440

Abstract

This study investigates the influence of Brand Awareness, Brand Ambassador, and Brand Image on Purchase Decisions for Viva Cosmetics products. Employing a quantitative approach, data were collected through questionnaires distributed to 119 respondents, primarily female consumers aged 21–30 years. The data were analyzed using SPSS 25 through validity, reliability, classical assumption, and multiple linear regression tests. The results show that all three independent variables have a positive and significant effect on purchase decisions, with Brand Awareness emerging as the most influential factor, followed by Brand Image and Brand Ambassador. The regression model indicates that increased awareness, ambassador credibility, and brand image contribute to stronger consumer purchasing intentions. The coefficient of determination (R² = 0.740) suggests that 74% of purchase decision variations are explained by the three variables, while 26% are influenced by other factors not examined in this study. The findings highlight the importance of integrated branding strategies, emphasizing consistency, ambassador authenticity, and brand identity reinforcement to strengthen consumer loyalty and purchasing behavior in the competitive Indonesian cosmetics market..
The influence of brand image, product quality, and price on customer satisfaction of Wardah beauty products Indriyani, Furi; Hendarsih, Ida; Mardewi , Tati; Dewi, Nurmala
International Journal of Applied Finance and Business Studies Vol. 13 No. 4 (2026): March: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i4.443

Abstract

This study aims to investigates the influence of brand Image, product quality, and price on customer satisfaction of Wardah Beauty Products in Bogor. The research uses a quantitative approach to analyze the relationship between independent variables and dependent variables. The sampling technique used in this study is convenience sampling, which allowed the researcher responses from individuals who were easily accessible and willing to participate. The population of this research consist of consumers residing in Bogor and have used wardah beauty products at least once prior to this study. The number of samples was 100 respondents. Data were collected through an online questionnaire distributed using google form links shared via social media platforms, particularly WhatsApp. The data analysis technique used multiple regression analysis to determine the significance and direction relationship among the variable studied. The results demonstrate that brand image, product quality, and price have a positive and significant influence on customer satisfaction of Wardah Beauty Products.
The influence of brand experience and brand trust on brand loyalty mediated by brand love (a survey of eiger consumers in Purworejo Regency) Ningtyas, Dini Suci; Ekowati, Titin; Runanto, Dedi
International Journal of Applied Finance and Business Studies Vol. 13 No. 3 (2025): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i3.444

Abstract

Outdoor adventure activities have increasingly become a popular hobby today, including exploring mountains, lakes, rivers, beaches, and other natural landscapes. Many people are attracted to various adventure activities such as hiking, riding, running, shooting, traveling, climbing, cycling, and others, which aim to enjoy natural beauty, test adrenaline, and improve physical fitness. In Indonesia’s current era of rapid modernization, competition in the outdoor product industry has become increasingly competitive, raising concerns among companies regarding their business sustainability—whether the products they manufacture can be accepted by consumers and whether their business can survive amid the intensifying market competition. Eiger is one of Indonesia’s local brands that has established a strong reputation in the outdoor and adventure equipment market. The rise of numerous local brands offering outdoor activity products has increased market competition, prompting companies to analyze the factors that may foster brand love, which in turn enhances consumer loyalty. This study aims to examine the influence of brand experience and brand trust on brand loyalty, mediated by brand love. The population in this study consists of Eiger consumers in Purworejo Regency. A sample of 150 respondents was selected using a purposive sampling technique. Data were collected through a questionnaire using a Likert scale. Data analysis was conducted using SmartPLS 4.0 with the Structural Equation Modeling (SEM) approach. The findings show that brand experience, brand trust, and brand love have a positive and significant effect on brand loyalty; brand experience and brand trust have a positive and significant effect on brand love; brand love provides complementary mediation in the relationship between brand experience and brand loyalty; and brand love also provides complementary mediation in the relationship between brand trust and brand loyalty.
Developing a digital marketing–driven hybrid entrepreneurship model for wood waste craft MSMEs S, Pipiet Mutiara Tri; Rahman, Taufik; Olga, Lidia
International Journal of Applied Finance and Business Studies Vol. 13 No. 4 (2026): March: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i4.445

Abstract

This study aims to design a hybrid entrepreneurship model based on digital marketing tailored to the needs of small-scale woodcraft MSMEs in rural areas. A mixed-methods approach was employed through a survey of 75 respondents and Focus Group Discussions (FGDs). The findings indicate that while entrepreneurs exhibit strong motivation and basic managerial capabilities, their digital literacy and use of online marketing channels remain limited. This reveals a readiness gap between intention and digital competence. In response, a conceptual model was formulated at Technology Readiness Level (TRL) 2, comprising four components: internal entrepreneurial readiness, integration of hybrid marketing channels (offline and online), mechanisms for training and mentoring, and strategic outcomes in the form of increased literacy and competitiveness. The model was developed modularly and grounded in field data, offering a framework for targeted interventions in training programs and policy design for digitally empowered MSME development.
Trends in green accounting research: A systematic literature review Chairia, Chairia; Cahyati, Suci; Fauzan, Muhammad Al
International Journal of Applied Finance and Business Studies Vol. 13 No. 4 (2026): March: Applied Finance and Business Studies
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i4.454

Abstract

A global issue and problem that is widely discussed by classrooms around the world as well as the mass media is the issue of the environment. Current global environmental issues include climate change, environmental pollution, and over-exploitation of nature. Green accounting is considered more appropriate because it is more fundamental, as it is based on the three basic principles of corporate responsibility, namely economic responsibility (profit), social responsibility (people), and environmental responsibility (planet). The method used in this research is a literature study. Systematic literature study as a literature study research to define systematically, explicitly, and comprehensively a problem topic to identify research gaps and describe research that has been carried out in the past both from the subject and object of research, research methods, and research results. The results is green accounting research has become a relevant research trend in the current conditions aimed at sustainable environmental management including environmental accounting. The topics are interrelated and interconnected, for example, the close relationship between good corporate governance to increase company value and attract investors.
The effect of work stress and job satisfaction on turnover intention at PT BFI finance Tbk Cikupa Tangerang Sector Karsikah, Karsikah; Ghoni, Ahmad
International Journal of Applied Finance and Business Studies Vol. 13 No. 4 (2026): March: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i4.455

Abstract

This study aims to analyze the effect of Work Stress and Job Satisfaction on Turnover Intention in employees. The method used in this study is a quantitative survey of employees working across several PT companies. BFI Finance Cikupa Tangerang. Data were collected through questionnaires and analyzed using multiple linear regression to test the proposed hypotheses. The results showed that Work Stress did not have a significant effect on Turnover Intention, with a significance value of 0.862. In contrast, Job Satisfaction was shown to have a strong negative influence on Turnover Intention, with a significance value of 0.000. In addition, the analysis showed that the combination of Work Stress and Job Satisfaction significantly influenced Turnover Intention, with a significance value of 0.000. These findings indicate that increased Job Satisfaction can reduce employees' intention to leave the company, while Work Stress needs to be managed in a broader context. This research makes an essential contribution to human resource management in designing strategies to retain employees and improve work well-being.

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