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JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)
Published by Lembaga Komunitas Informasi Teknologi Aceh
ISSN : 24605891     EISSN : 25795635     DOI : https://doi.org/10.35870/jemsi
Core Subject : Economy,
Economics, Econometrics & Finance
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) is an electronic independent international scientific and academic journal that aims to publish scholars’ original and high-quality manuscripts and reports in all fields of business. JEMSI adheres to an open access policy to accelerate the barrier-free dissemination of scientific knowledge which can result in higher visibility and increased citation for authors works. Manuscripts in the forms of Research, Literature review, Case study, Conceptual, Viewpoint, General review, Book review are welcomed. Research with an interdisciplinary approach is highly preferred in this journal.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 1,319 Documents
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Pengaruh Citra Merek, Persepsi Kualitas dan e-Wom Terhadap Minat Beli Produk Sunscreen Azarine Pada Gen Z Tasya Fatmawati Arifin; Rizky Eka Febriansah; Misti Hariasih
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5823

Abstract

The advancement of technology and social media has brought significant changes to marketing strategies, particularly in shaping the behavior of Generation Z consumers, who are highly active and selective toward digital information. Sunscreen products have become one of the most sought after categories due to the growing awareness of the importance of skin protection from sun exposure. This study aims to analyze the influence of brand image, perceived quality, and electronic word of mouth (e-WOM) on the purchase intention of Azarine sunscreen products among Generation Z in the Greater Surabaya area. The research employed a quantitative method with an associative approach, involving 100 respondents selected through purposive sampling. Data were collected using questionnaires and analyzed using Structural Equation Modeling Partial Least Squares (SEM-PLS) version 4.0. The results show that all three variables brand image (0.192, p-value 0.046), perceived quality (0.432, p-value 0.000), and e-WOM (0.357, p-value 0.000)  have a positive and significant effect on purchase intention. These findings indicate that a brand’s success in maintaining its reputation, product quality, and digital engagement can enhance Generation Z consumers’ purchase intentions.
Analisis Minat Masyarakat Dalam Memilih Bank Mekaar Dibandingkan Bank Syariah Sebagai Sumber Pembiayaan Usaha Mikro Studi Kasus di Desa Gerisak Semanggeleng, Kecamatan Sakra Barat Nora Susilawati; Hikmatul Hidayati MZ; Fathurrazak Fathurrazak
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5827

Abstract

The purpose of this study is to identify the factors that influence public interest in choosing Bank Mekaar compared to Islamic Banks (Bank Syariah) as a source of micro-business financing. This research employs a qualitative method with a descriptive approach, where data were collected through in-depth interviews, direct observations, and documentation of micro-entrepreneurs in Gerisak Semanggeleng Village. Data analysis was carried out through three stages: data reduction, data display, and conclusion drawing. The findings reveal that people are more interested in Bank Mekaar because of its simple loan application process, absence of collateral requirements, and fast fund disbursement. The ease and efficiency of services are key factors for micro-entrepreneurs who need quick access to capital. In contrast, the low interest in Islamic banks is mainly due to the lack of socialization, limited public understanding of the profit-sharing system, and the perception that Islamic bank procedures are more complex and time-consuming. Financing from Bank Mekaar has proven beneficial in helping people increase their capital, expand their businesses, and improve household income. Therefore, it can be concluded that procedural simplicity, service speed, and limited outreach from Islamic banks are the main factors influencing people’s preference for Bank Mekaar as a source of micro-business financing.  
Strategi Pemasaran dan Peningkatan Kualitas Pelayanan Untuk Meningkatkan Kepuasan Pelanggan Pada Agen Travel Umroh dan Haji Tomboati Malang Fairuz Arsy Aribah Emeralda Fitri
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 2 (2026): April 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i2.5843

Abstract

This study specifically investigates the implementation and synergistic impact of digital marketing strategies and service quality improvements on customer satisfaction at the Toureligi Umrah and Hajj travel agency in Jember. A descriptive qualitative research method was applied in-depth through semi-structured interviews with marketing managers, customer service staff, and participant observation of interactions in the office and on digital platforms. Data sources were verified through triangulation to ensure the validity of the findings. The results revealed that Toureligi's marketing strategy, which focuses on educational content on social media (such as Instagram and Facebook) and leverages pilgrim testimonials in the form of vlog videos, proved effective in building perceptions of credibility and emotional value among potential customers. Furthermore, service quality analysis identified that the dimensions of empathy (personalized approach in consultations), reliability (consistency of packages and facilities), and assurance (certification and clarity of procedures) were key pillars in building loyalty. However, critical findings revealed gaps in responsiveness, particularly in digital services, such as slow chat responses outside of business hours and a lack of integrated information systems. The study's conclusions confirm that improving customer satisfaction at Toureligi Jember relies not only on a massive marketing strategy but also on the ability to correlate it with concrete improvements in service quality, particularly in closing the digital responsiveness gap. The strategic implication of this study is the need to develop an integrated Customer Relationship Management (CRM) system to align marketing expectations with the reality of service experiences, in order to maintain long-term customer loyalty.
Pengaruh Upah Minimum Provinsi, PDRB, IPM, Dan Tingkat Pengangguran Terhadap Penyerapan Tenaga Kerja di Pulau Sumatra Nissya Kaniaputri Jayadiwinata; Ruth Eviana Hutabarat
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5853

Abstract

Indonesia's economic development is a complex process that includes improving people's welfare, productivity and expanding employment opportunities. However, regional disparities are still evident, especially in several provinces on the island of Sumatra. There is a phenomenon of minimum wage increases without an increase in labor absorption (high wage low employment growth) and economic growth without job creation (jobless growth), resulting in an imbalance between economic growth and labor absorption, which slows down the rate of decline in the unemployment rate. This study aims to analyze the effect of UMP, PDRB, IPM, and unemployment rate on labor absorption in ten provinces in Sumatra during 2020-2024. The data was obtained from  Badan Pusat Statistik (BPS) and analyzed using panel data regression with the Fixed Effect Model (FEM) method. The results of the analysis show that the UMP has a negative and significant effect on labor absorption, while the GRDP, HDI, and unemployment rate have a positive and significant effect on labor absorption in Sumatra in 2020–2024.
Analisis Pengaruh 7P melalui Kepuasan Pelanggan terhadap Pemakaian Ulang InDrive Motor Ihsan Lubis; Nuskha Ilma Arini
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 2 (2026): April 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i2.5862

Abstract

This study aims to evaluate the influence of the 7P marketing mix on the decision to reuse InDrive Motor services, with customer satisfaction as a mediating variable using Structural Equation Modeling (SEM). The method used is quantitative with an explanatory design to analyze the influence between variables and the role of customer satisfaction as a mediator. The results show that Product (X1) has a positive and significant effect on customer satisfaction, while Price (X2) has a negative but insignificant effect. The variables Place (X3), People (X5), and Physical Evidence (X7) are positively related but not significant, while Promotion (X4) and Process (X6) were excluded due to multicollinearity. Customer satisfaction (M) plays a significant role in increasing reuse (Y), and only Product (X1) has a significant effect through this variable. Overall, these results confirm that although most of the 7P elements are insignificant, customer satisfaction remains a major factor in encouraging continued use of InDrive Motor services.
Analisis Kepuasan Pengguna Market Place Terhadap Pengalaman Berbelanja Online: Studi Kasus Pada Aplikasi Shopee di Kalangan Konsumen Gen Z Di Purwakarta Cica Nurhasanah; Dede Jajang Suryaman
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5882

Abstract

The rapid development of technology has encouraged the growth of online marketplaces as digital transaction platforms, one of which is Shopee. This study aims to determine the level of satisfaction among Generation Z consumers in Purwakarta regarding their shopping experience on Shopee and to analyze the influence of feature convenience and corporate image on consumer satisfaction. This research uses a quantitative method by distributing questionnaires to 53 respondents. The results of multiple linear regression analysis show that corporate image has a positive and significant effect on consumer satisfaction, with a coefficient value of 1.039 (t = 10.136; sig < 0.001). Meanwhile, feature convenience does not have a significant effect (t = -1.308; sig 0.200 > 0.05). Overall, both variables contribute 73.2% to consumer satisfaction (Adjusted R² = 0.732), while the remaining 26.8% is influenced by other factors outside the study. These findings indicate that corporate image is the most dominant factor in increasing satisfaction among Generation Z Shopee users.  
Strategi Co-Creation Dalam Meningkatkan Daya Saing Umkm Konveksi: Perspektif Pelaku Usaha Gian Riksa Wibawa; Arif Arif; Haryansyah Aziz; Saskia Nuramelia Sifa; Nafisa Nur Faadhilah
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5897

Abstract

This study aims to provide business actors with an understanding of co-creation strategies to enhance competitiveness. Employing a descriptive qualitative methodology, the research focuses on comprehending the phenomenon from the participants' own perspectives. The collected data were analyzed using thematic analysis techniques to identify codes and themes from informant responses. The findings confirm that the implementation of a co-creation approach positively influences the strengthening of MSME competitiveness. Involving customers in the product design and development process fosters a sense of acknowledgment, which in turn enhances customer loyalty. Conversely, the study identifies several challenges, including limited production capacity, constraints in raw material availability, production timelines, and difficulties in realizing design concepts. For the optimal implementation of this strategy, government support is essential. It is recommended that the government provide training and other forms of assistance to MSMEs to foster more innovative co-creation practices, enabling them to leverage it as a strategic opportunity in the market competition. Practically, these findings encourage MSME actors to adopt co-creation more systematically, particularly by optimizing digital media and managing customer interactions effectively.  
Persepsi Masyarakat Kota Padang Terhadap Peran Dewan Pengawas Syariah Dalam Mengawasi Pinjaman Online Nadia Novita Sari; Rozalinda Rozalinda
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5902

Abstract

This study aims to examine the perceptions of the people of Padang City regarding the role of the Sharia Supervisory Board (DPS) in supervising sharia-based online loans. The phenomenon behind this study is the low level of public understanding of the DPS's duties in supervising sharia-based online loans, which can reduce the effectiveness of supervision of these services. The objectives of this study are to explore the extent to which the public understands the role of the DPS in supervising online loans and to find out their views on sharia-based online loan services. The method used is in-depth interviews with two groups of respondents: the general public and individuals who have a deeper understanding of or are directly involved in sharia-based online loans. A total of ten respondents were interviewed, five of whom were members of the general public and five were individuals with more in-depth knowledge. The results of this study confirm that there is still a significant knowledge gap regarding the role of the Sharia Supervisory Board in supervising sharia-based online loans in Padang City. The general public only understands the basic principles of sharia without knowing the supervisory mechanisms carried out by the DPS, while the more informed group recognizes the importance of the DPS's role but still highlights the lack of transparency and consumer protection. The differences in views that emerged from the MUI, OJK, and service providers indicate that the implementation.
Analisis Pengaruh Return on Asset, Gross Profit Margin Terhadap Capital Structure dengan Firm Size Sebagai Variabel Moderasi Novita Sundari; Andre Prasetya Willim
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5903

Abstract

This study aims to determine the effect of Return of Asset, Gross Profit Margin on Capital Structure with Firm Size as the moderate variabel in properties and real estates sector companies listed on Indonesia Stock Exchange for the 2020-2024 period. Sample was conducted using a purposive sampling method to select 52 of the 92 properties and real estates companies sampled in the study. The findings of this study indicate that Capital Structure is positively influenced by Gross Profit Margin, but not by Return on Asset. Although Firm Size is able to moderate the effect of Gross Profit Margin on Capital Structure, it cannot reduce the effect of return on asset.
Pengaruh Risiko Likuiditas dan Risiko Kredit terhadap Kinerja Keuangan pada Bank Digital Periode 2020-2024 Indri Iswardhani; Muhammad Rijal Alim Rahmat; Nur Fadilah Ayu Sandira; Nulthazam Sarah; Sri Astuti Nasir
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5904

Abstract

This study aims to analyze the influence of liquidity risk and credit risk on the financial performance of digital banks listed on the Indonesia Stock Exchange for the 2020-2024 period. The research employs an explanatory quantitative approach with a sample of four digital banks selected through purposive sampling. Data were analyzed using multiple linear regression with independent variables Loan to Deposit Ratio (LDR) for liquidity risk and Non-Performing Loan (NPL) for credit risk, and the dependent variable Return on Assets (ROA) for financial performance.The results show that simultaneously, LDR and NPL have a significant effect on ROA. Partially, LDR proves to have a positive and significant effect on ROA, while NPL does not show a significant effect. These findings indicate that liquidity management plays a more critical role in determining the financial performance of digital banks compared to credit risk. This study recommends that digital bank management focus on optimizing liquidity management to improve profitability, while still paying attention to the potential impact of credit risk in the long term.

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