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GENESIS SEMBIRING DEPARI
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INDONESIA
Jurnal Ekonomi dan Bisnis Digital (MINISTAL)
Published by PT FORMOSA CENDEKIA GLOBAL
ISSN : -     EISSN : 28278259     DOI : https://doi.org/10.55927/ministal.v1i2
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Jurnal Ekonomi dan Bisnis Digital (MINISTAL) is a peer-reviewed journal providing a space for both practitioners and academics for disseminating research results that work in Economic, finance, management, information technology and related fields. MINISTAL provides an outlet for the increasing flow of interdisciplinary research cutting across business, management, finance, information system, accounting, Entrepreneurship, Business ethics, Sustainability, Knowledge Management, Learning Organization and economics disciplines. It is an essential reading for academics, graduate students, policy makers and business practitioners. MINISTAL publishes articles four times in a year on January, April, August and December. Scope The main objective of the Jurnal Ekonomi dan Bisnis Digital (MINISTAL) is to disseminate the cutting edge methodology and technology in business, management, finance, information system, accounting, Entrepreneurship, Business ethics, Sustainability, Knowledge Management, Learning Organization and economics disciplines with an advanced methodologies, models, , techniques, methods, processes, and principles in high level of efficiency and actionable manners in supporting business stake holders in making a decision.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 201 Documents
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Indonesian Sharia Fintech Peer to Peer (P2P) Lending Business Model Fikar, One Yusril; Rahadian, Dadan; Krisnawati, Astrie
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 4 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v3i4.11974

Abstract

This study examines the business model of sharia P2P lending fintech in Indonesia by utilizing the Business Model Canvas (BMC) and Value Design Model (VDM) frameworks. The research aims to provide insights into how sharia fintech companies in Indonesia are structured, focusing on key elements such as value propositions, revenue streams, and customer segments. The study involves three sharia P2P lending companies—ES, PS, and AS—and analyzes their business models through qualitative methods. Key findings highlight the importance of sharia-compliant, transparent, and flexible financing to build customer trust, alongside partnerships with sharia banks, tech providers, and communities. The sector’s growth is driven by targeting customers with stable incomes and familiarity with sharia principles, but challenges remain in financial literacy and regulatory support. Recommendations include product innovation (e.g., wakaf or zakat-based financing), expanding digital channels, and improving operational efficiency to ensure sustainable growth.
The Effect of Shareholder Pressure, Board Gender Diversity, Size of the Board of Directors, and Company Age on the Quality of Sustainability Report (Company Study on IDX in the Transportation and Energy Sector in 2019-2023) Kusuma, Pipit Mike; Muhyarsyah, Muhyarsyah
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 4 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v3i4.12323

Abstract

This study examines the influence of shareholder pressure, board gender diversity, board size, and company age on the quality of sustainability reports using a descriptive quantitative method using panel data regression with Eviews. The results of the study showed that shareholder pressure had no effect on the quality of sustainability reports, board gender diversity, size of the board of directors and the age of the company had a significant effect on the quality of sustainability reports. These findings underscore the need for companies to understand and consistently comply with the standards of corporate activity responsibility that have an impact on the environmental, social, and economic scope which are presented transparently and accessible to stakeholders through quality sustainability.
Sustainability Accounting in Entrepreneurial Perspective: Pentuple Bottom Line Concepts Fauziah, Dien Ajeng; Khoir, Fatihul; Sa’adah, Ummi; Prastyo, Dimas Hadi; Hermanto, Bambang Agoes; Lestari, L. Tri
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 4 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v3i4.12577

Abstract

Sustainability accounting, particularly from an entrepreneurial perspective, is increasingly recognized as a critical framework for measuring and enhancing business performance. The Pentuple Bottom Line (PBL) paradigm expands upon traditional accounting frameworks by incorporating five dimensions: people, planet, profit, phenotechnology, and prophet. This holistic approach emphasizes not only financial success but also ethical responsibilities and the broader impact of business activities on society and the environment. Embracing the Pentuple Bottom Line paradigm not only supports sustainable business practices but also aligns entrepreneurial ventures with broader societal goals. By prioritizing ethical considerations alongside traditional profit metrics, businesses can contribute to a more sustainable future while achieving long-term success.
Digital Marketing Promotion Strategy Bank Central Asia Tbk (BCA) Napitupulu, Imelda Solagracia; Gunarto, Muji; Helmi, Sulaiman
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 4 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v3i4.12687

Abstract

This research aims to analyze the digital marketing promotion strategy carried out by BCA Bank in increasing brand awareness and customer engagement. Using a qualitative descriptive approach, this study analyzes the use of various digital platforms such as social media, official websites, and mobile banking applications to deliver marketing messages. The results show that Bank BCA successfully utilizes an omnichannel strategy that integrates various digital platforms to provide a consistent and engaging experience for customers. The “Sharing Stories with BCA” campaign successfully increased user interaction and brand awareness. However, challenges included differences in preferences between customer segments and changes in social media algorithms that affected content visibility. This research suggests that Bank BCA should improve content personalization by leveraging artificial intelligence (AI) technology and customer preference analysis to create more relevant and effective campaigns.
Integrating the Theory of Planned Behavior to Understand Muslim Tourist Behavior in Halal Tourism Destinations Suro, Lulu Ilmang; Armiani, Armiani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 4 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v3i4.12880

Abstract

The purpose of this study is to systematically review the literature published in the last 10 years on the Theory of Planned Behavior integration to understand Muslim travelers’ behavior in halal tourism. The design of this study uses a systematic literature review method. The excellence of the study was assessed by studying the year of publication, journal of publication, country of study, type of statistical method, data collection technique, and content analysis in the literature on Muslim travelers’ behavior in halal tourism. This study is based on 25 selected articles published in peer-reviewed journals between 2015 and 2024. The results show that Muslim travelers’ decisions in choosing halal tourism destinations are greatly influenced by the interaction between their attitudes towards halal facilities, social norms in the community, and the obstacles they feel in accessing the destination. Thus, halal tourism destination managers need to pay attention to these three factors simultaneously to increase the attractiveness of the destination for Muslim tourists.
Facebook Tiktok and Instagram as a Marketing Tools and Branding Strategy for MSMEs Wulandari , Citra Mayu; Helmi, Sulaiman; Gunarto, Muji; Zinaida, Rahma Santhi
Jurnal Ekonomi dan Bisnis Digital Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v4i1.11605

Abstract

This study aims to analyze the social media performance of Pempek Sulthan and Pindang Agan Palembang on Instagram and TikTok platforms and evaluate the effectiveness of each platform in the context of MSME marketing and branding. Data were collected from the analysis of impressions, engagement rates, and follower growth over a certain period. The results show that TikTok generates a higher average daily impression than Instagram, with 833 impressions per day and 86% new followers, while Instagram records 499 impressions per day and 53% new followers. However, the engagement rate on both platforms is still low, below 1, indicating minimal follower engagement. In terms of growth performance, Instagram is superior in likes, comments, and views metrics compared to TikTok, although this comparison is influenced by the higher frequency of posting on Instagram. The SWOT analysis identifies the position of Pempek Sulthan and Pindang Agan in Quadrant I, indicating strength and readiness for expansion through a vertical integration strategy. The QSPM results emphasize the importance of monitoring platform performance to evaluate marketing effectiveness and determine future platform usage strategies.
Synergistic Impact of Brand Experience, Trust, and Brand Ambassadors on Purchasing Decisions Siswati, Endang; Rapitasari, Diana
Jurnal Ekonomi dan Bisnis Digital Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v4i1.13363

Abstract

This research is a quantitative study aimed at testing and analyzing whether brand experience, brand trust, and brand ambassador influence consumer purchase decisions of products. The sample in this study consisted of 100 people, and the respondents were domestic consumers of Artistica Jewelry. The research results show that brand ambassador, brand trust, and brand experience have a significant influence on purchasing decisions. Among these three variables, brand trust is the dominant variable affecting purchasing decisions at Artistica Jewelry. The company must maintain consumer trust in product quality and service, as well as brand consistency, in the hope of generating word-of-mouth sales. Consumer trust develops because of the belief that the company will act in accordance with their needs and expectations.
Investigating the Cybersecurity Implications of Open Banking and Application Programming Interfaces (APIs) in the Financial Sector Hossain, Mohammad Amir; Raza, Md. Adil; Rahman, Jami Yaseer
Jurnal Ekonomi dan Bisnis Digital Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v4i1.13370

Abstract

Open banking and the use of APIs within the financial industry are improving how financial services are delivered by stimulating innovation, enhancing competition, and providing customer-oriented solutions. But that evolution has also brought its own heavy cybersecurity challenges. In this article we focus on the cybersecurity risks of open banking and APIs, including issues such as data breaches, and risks from third-party entities. Based on case studies, vulnerability assessments, and interviews with experts, the study highlights key threats and analyzes existing mitigation measures such as secure API development, authentication protocols, and regulatory compliance frameworks. Results highlight the need for strict cybersecurity measures built upon a Zero Trust Architecture, including the use of an API gateway and regular penetration testing to secure sensitive financial data, safeguarding an open banking landscape. The results of this research will assist financial institutions, developers, and regulators in securing next-generation open banking platforms without hindering innovation and risk management.
Assessing the Vulnerabilities of Mobile Banking Applications and Developing Strategies to Improve Their Security Hossain, Mohammad Amir; Raza, Md. Adil; Mahjabeen, Farhana; Rahman, Jami Yaseer
Jurnal Ekonomi dan Bisnis Digital Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v4i1.13371

Abstract

Mobile banking apps have changed the way financial services are provided, allowing users to perform banking operations from anywhere. Though this progress has granted consumers unprecedented convenience, it has also opened new doors to vulnerabilities creating an ideal target for hackers on mobile banking applications. It explores the security issues, vulnerable regions of mobile banking applications such as using insecure communication, weak authentication, unprotected storage, and susceptible to malware. Through empiric testing and existing vulnerability assessment frameworks, critical vulnerabilities and their potential consequences on user data and financial systems are identified. It also recommends specific measures to reduce these vulnerabilities, such as upgraded encryption protocols, multifactor authentication (MFA), secure coding strategies and realtime threat monitoring. Through the identification and exploration of these vulnerabilities, the study seeks to contribute to the ongoing efforts of enhancing the security and resilience of mobile banking applications, which ultimately protects user trust and ensures adherence to regulatory standards.
The Influence of Board Diversity on Earnings Management in Non-Financial Companies in 2020-2023 Iqbal, Muhammad; Zuraida, Zuraida; Mulyany, Ratna
Jurnal Ekonomi dan Bisnis Digital Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v4i1.13640

Abstract

This research aims to investigate the impact of gender diversity, age diversity, independence, educational background diversity, and tenure diversity on earnings management in non-financial companies listed on the Indonesia Stock Exchange from 2020 to 2023. The sample includes non-financial companies listed before 2020 and remaining listed during the observation period. The sample selection was conducted using simple random sampling with Slovin's formula, resulting in 88 companies and 723 observations. The analysis shows that gender, age, independence, educational background, and tenure diversity reduce earnings management in non-financial companies listed on the Indonesia Stock Exchange from 2020 to 2023. These results imply that board diversity should be considered in shaping decisions and practices related to earnings management. Policies supporting diversity should be integrated into corporate governance strategies to enhance transparency, accountability, and reduce harmful earnings management practices.

Page 18 of 21 | Total Record : 201

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