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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,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
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.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 307 Documents
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Influence of brand experience, customer review and customer satisfaction on repurchase intention among erigo customers on shopee Febryhardo, Bhangkit; Ekowati, Titin; Runanto, Dedi
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.v13i4.456

Abstract

This study aims to analyze the influence of brand experience, customer reviews, and customer satisfaction on repurchase intention among Erigo customers on the Shopee marketplace. The research adopts a quantitative approach using a survey method, with a sample of 120 respondents who have previously purchased Erigo products through Shopee. The variables examined include brand experience (sensory, emotional, intellectual, and behavioral), customer reviews (argument quality, volume, valence, timeliness, and source credibility), customer satisfaction (expectation confirmation, willingness to repurchase, and willingness to recommend), and repurchase intention (transactional, explorative, preferential, and referential interest). Data were analyzed using multiple linear regression with SPSS 25.0, and all measurement instruments met validity and reliability requirements, with Cronbach’s alpha values exceeding 0.70. The results indicate that brand experience has a positive and significant effect on repurchase intention (β = 0.283, p < 0.001). Customer reviews also have a positive and significant influence on repurchase intention (β = 0.217, p < 0.001), suggesting that credible and positive reviews strengthen consumer confidence. Customer satisfaction is identified as the most influential variable (β = 0.327, p < 0.001), demonstrating that fulfilled expectations and positive consumption experiences strongly encourage repeat purchases of Erigo products. Theoretically, this study contributes to consumer behavior literature by confirming the role of experiential, informational, and affective factors in shaping repurchase intention in e-commerce contexts. Practically, the findings highlight the importance for Erigo and similar fashion brands to maintain consistent brand experiences, encourage authentic customer reviews, and enhance satisfaction drivers such as product quality, service responsiveness, and delivery accuracy.
Investigation of job satisfaction with training effectiveness through workload adjustment and work motivation Alfarizi, Abdul Wahid; Rustandi, Rustandi; Diantoro, Eman; Haryadi, Didit; Syaechurodji, Syaechurodji
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.v13i4.457

Abstract

This study aims to analyze the effect of training on employee job satisfaction, focusing on workload and motivation. This research proposes that practical training can reduce workload, increase motivation, and ultimately increase employee job satisfaction. The research method used was quantitative, with an association approach, identifying the relationship between the variables. The research population consisted of 199 employees of the Cilegon City Public Works and Spatial Planning Office, with a total sampling technique. Data collection was conducted using a Likert-scale questionnaire. For data analysis, Structural Equation Modeling (SEM) was used with SmartPLS 4.0. The results of the study show that training has no direct effect on job satisfaction; however, it does have a significant effect on work motivation and workload, which, in turn, affect job satisfaction. Training that is relevant and tailored to employees' needs has been proven to reduce perceived workload, increase motivation, and boost job satisfaction. These findings make an important contribution to the development of human resource management strategies to improve employee performance and satisfaction in the public sector. It is hoped that this research can make a theoretical contribution to the literature in this context, of course, in the context of human resource management.
A19-v The Effect of Technical Skills and Digital Literacy on Transaction Efficiency in the Use of the ShopeePay E-Wallet Yanti, Aprilda; Sururi, Watikah; Siregar, Sheila Galuh Syafira; Sulaiman, Syarifah Fahira
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.v13i4.460

Abstract

The development of digital technology has driven a significant increase in the use of cashless payment systems, one of which is the ShopeePay e-wallet. Transaction efficiency has become a critical factor in evaluating the success of e-wallet adoption, as it is influenced not only by the availability of advanced technology but also by users’ readiness and capabilities. This study aims to analyze the effects of technical skills and digital literacy on transaction efficiency in the use of the ShopeePay e-wallet. This research employs a quantitative approach with a causal research design and is analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) through the SmartPLS software. The data were collected from active ShopeePay users who met the research criteria. The results indicate that technical skills have a positive and significant effect on transaction efficiency, with a path coefficient of 0.734 and a T-statistics value of 11.838. In addition, digital literacy is also proven to have a positive and significant effect on transaction efficiency, with a path coefficient of 0.233 and a T-statistics value of 3.555. These findings demonstrate that technical skills exert a more dominant influence than digital literacy in enhancing the transaction efficiency of ShopeePay. Therefore, improving the efficiency of e-wallet transactions depends not only on the sophistication of the payment system but also on the enhancement of users’ technical skills and digital literacy. This study is expected to contribute to the development of user education strategies and the improvement of e-wallet service quality in Indonesia.
Solvency, cash flow, and financial distress: A moderation analysis of company size Agustina, Yumniati; Herawati, Vinola
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.v13i4.462

Abstract

This study investigates the impact of solvency and cash flow ratios on the likelihood of financial distress, while also examining the moderating effect of company size. The research focuses on firms in the property and real estate subsector listed on the Indonesia Stock Exchange (IDX) during the 2016–2020 period. Using a purposive sampling method, 57 firms were selected, resulting in 285 firm-year observations. Logistic regression analysis was employed to test the hypotheses. The results show that solvency has a significant positive effect on financial distress, indicating that higher levels of debt increase the likelihood of financial difficulties. In contrast, cash flow does not exhibit a significant influence on financial distress. Furthermore, company size fails to moderate the relationship between both solvency and financial distress, as well as cash flow and financial distress. These findings suggest that large company size does not necessarily mitigate the adverse effects of financial structure or liquidity on financial health within the property and real estate sector in Indonesia.
Digital transformation and the rise of digital leadership: A bibliometric science mapping analysis Abdurrahim, Abdurrahim
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.v13i4.465

Abstract

Digital transformation has become a strategic phenomenon that fundamentally changes the way organizations operate, innovate, and are led. The development of digital technologies such as artificial intelligence, big data, and cloud computing requires organizations to not only adapt technically but also make significant changes in leadership paradigms. This study aims to analyze the development of scientific literature related to the impact of digital transformation on leadership using a bibliometric approach. The research data was obtained from the Scopus database with a total of 106 articles published in the period 2021–2025 and selected using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) method. The analysis was conducted through performance analysis and science mapping with the help of bibliometric visualization software. The results show a very significant growth in publications, indicating increasing academic attention to digital leadership. The findings also reveal that leadership in the digital era is multidisciplinary, collaborative, and dynamic, and is influenced by the interaction between technology, organizational culture, and individual leader capabilities. However, there are still research gaps related to the dimensions of ethics, sustainability, and the local context of the organization. This study confirms that the success of digital transformation is highly dependent on the readiness and capabilities of holistic and contextual digital leadership.
Development of sustainable waste bank business models: A PRISMA-based systematic literature review Wardani, Shanti Ike; Latifah, Nunuk
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.v13i4.379

Abstract

The social and community dimensions of development are often complicated. The community and environmental problems can, however, be addressed with sociopreneurship, the social entrepreneurship and waste management system with the creation of waste banks. Nonetheless, banks are troubled by operational and sustainability issues. This study aims to develop a sociopreneurial waste bank business model. The author conducted a systematic literature review (SLR) based on PRISMA guidelines and examined 15 articles in the Google Scholar database. The results identified three operational models of waste banks (independent, partnership, corporatization) along with their internal and external challenges. This study proposes a sustainable sociopreneurship framework with five integrative characteristics: social value creation, social innovation, market orientation, social organization, and financial sustainability. It is concluded that a hybrid model, which combines the strengths of various models and is supported by digitalization, is the best path for waste bank sustainability. The implication of this research is a contribution to the development of sustainable social business models and provides a basis for further research regarding implementation and impact measurement.
ESG disclosure on corporate value in Indonesia: A moderation approach by ownership structure and auditor reputation Suharto, Raden Setya Budi; Sanga, Marianus Hendrilensio; Situmorang, Resvina; Rupa, Martina Kaisriani; Dheghu, Yosef Paseli
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.v13i4.441

Abstract

This study aims to analyze the influence of Environmental, Social, and Governance (ESG) on company value, with the ownership structure and reputation of auditors as moderation variables in public companies in Indonesia during the 2023–2024 period. This study uses an associative quantitative approach with an ex post facto method, based on secondary data from annual reports, audited financial statements, and ESG ratings from Sustainalytics. The sample was obtained through a purposive sampling technique which included 312 observations of non-financial companies listed on the Indonesia Stock Exchange. Data analysis was carried out using Moderated Regression Analysis (MRA) and tested robustly with the Fixed Effects (FE) and System GMM approach to ensure consistency of results. The results showed that ESG did not have a significant effect on company value, while company size (SIZE) and profitability (ROA) had a significant positive effect. Meanwhile, the auditor's ownership structure and reputation have not been proven to strengthen the ESG relationship with company value. The robustness test confirmed that the results were stable and not affected by endogenicity issues. Theoretically, these findings support the theory of legitimacy and signaling, where ESG practices in Indonesia still function as a means of social legitimacy, rather than economic signals that are clearly appreciated by the market. From a practical perspective, the findings suggest that managers should integrate ESG initiatives with clear financial outcomes and transparent value-creation strategies. Additionally, regulators and policymakers are encouraged to improve ESG reporting standards and market literacy, while investors are advised to interpret ESG information cautiously and in conjunction with conventional financial indicators when evaluating company value.
The phenomenon of jasa titip (jastip) in e-commerce: Analysis of consumer behavior and its growth potential (a case study in Fakfak, West Papua) Fachruddin, Muh.; Nur, Muhammad; Saputri, Tri Bata Biru
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.v13i4.451

Abstract

Along with the development of technology and the internet, e-commerce has become the primary choice for consumers to obtain goods from outside their regions. However, in remote areas like Fakfak, limited infrastructure often becomes an obstacle in accessing products from outside the region. As a solution, the jasa titip (Jastip) service has emerged, allowing consumers to purchase goods from outside the region through intermediaries, with more efficient shipping costs. This study aims to analyze the phenomenon of Jasa Titip (Jastip) in e-commerce in Fakfak, West Papua, focusing on consumer behavior and its growth potential. This research uses a qualitative approach with a case study method. Data were collected through in-depth interviews with consumers, Jastip providers, and relevant parties. In addition, observation and documentation were used to strengthen the findings. The results indicate that Jastip actors are motivated by a combination of economic opportunities and community needs due to gaps in product access. Operationally, Jastip in Fakfak has a relatively systematic workflow, but it is still manual and has not been integrated into a digital system. Trust is a key factor in consumer behavior, while service quality and communication play an important role in shaping consumer satisfaction, especially in dealing with logistical limitations and delivery delays. The research findings also show that Jastip in Fakfak has significant growth potential.
The influence of financial literacy and financial inclusion on MSME performance in Pati Regency Mahardani, Dito; Hikmah, Hikmah; Soegiastuti, Janti; Nurchayati, Nurchayati
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.v13i4.453

Abstract

This study seeks to examine the impact of financial literacy and financial inclusion on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Pati Regency. In this study, financial literacy and financial inclusion are the independent variables, and MSME performance is the dependent variable, assessed by measures of profit, marketing area, workforce, and capital. The study employs a quantitative methodology via a survey approach and data collecting via questionnaires administered to 100 MSME participants in Pati Regency. We utilized SPSS version 27 software to do multiple linear regression on the data. The findings indicate that financial literacy positively and significantly influences MSME performance in Pati Regency. This means that better understanding and better money management can help a business do better. Moreover, financial inclusion positively and significantly impacts MSME performance, underscoring the importance of access to and utilization of formal financial services in fostering MSME development. The adjusted R-square value of 13.6% indicates that the variables of financial literacy and financial inclusion can account for some of the differences in MSME performance, while other factors account for the rest.
The influence of customer service skills and user interface on dana e-wallet user loyalty Sulaiman, Syarifah Fahira; Sururi, Watikah; Siregar, Sheila Galuh Syafira; Yanti, Aprilda
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.v13i4.461

Abstract

The development of digital technology has driven the increased use of digital-based financial services, one of which is the DANA e-wallet. User loyalty is a crucial factor in sustaining e-wallet usage, which is influenced not only by the technological features provided but also by the quality of service interactions and the ease of application use. This study aims to analyze the influence of customer service skills and user interface on the loyalty of DANA e-wallet users. This research employs a quantitative approach with a causal method and is analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) through SmartPLS software. The data were collected from active DANA e-wallet users who met the research criteria. The results indicate that the user interface has a positive and significant effect on user loyalty, with a path coefficient of 0.379 and a T-statistic value of 3.716. In addition, customer service skills also have a positive and significant effect on user loyalty, with a path coefficient of 0.366 and a T-statistic value of 3.595. These findings show that the user interface has a more dominant influence than customer service skills in enhancing the loyalty of DANA e-wallet users. Therefore, e-wallet user loyalty depends not only on the quality of the technological system but also on the quality of service and the ease of interaction perceived by users. This study is expected to contribute to the development of strategies for improving service quality and application interface design of e-wallets in Indonesia.

Page 30 of 31 | Total Record : 307

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