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Contact Name
GENESIS SEMBIRING DEPARI
Contact Email
genesissembiring@gmail.com
Phone
+6285359562521
Journal Mail Official
genesissembiring@gmail.com
Editorial Address
Jl ir Juanda, No 56b, Medan
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Unknown,
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INDONESIA
Journal of Finance and Business Digital (JFBD)
ISSN : -     EISSN : 29648688     DOI : https://doi.org/10.55927/jfbd.v1i3
Core Subject : Economy, Science,
Journal of Finance and Business Digital (JFBD) publishes original research articles and inquiries into issues of finance, Business digital, economics, and business management. JFBD is an international peer-reviewed journal, which is devoted to contemporary and empirical research related to finance, accounting, tourism business, Business digital, economics, and business management. All manuscripts submitted to the journal are recommended to be written in good English or Bahasa. Authors for whom English is not their native language are encouraged to have their papers checked before submission for grammar and clarity. The work should not have been published or submitted for publication elsewhere. The official language of the manuscript is to be published in the Journal of Finance and Business Digital (JFBD) in English and Bahasa. JFBD publishes articles quarterly in March, June, September, and December.
Articles 109 Documents
The Influence of Celebrity Endorsement, Green Brand Image and Green Product Quality on Decisions to use Sharia Banking Product Putro, Dimas Handoyo; Nurwahidin, Nurwahidin; Saratian, Eko Tama Putra
Journal of Finance and Business Digital Vol. 3 No. 1 (2024): March 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i1.8602

Abstract

This research aims to analyze the influence of Celebrity Endorsement, Green Brand Image, and Green Product Quality on Decisions to Use Sharia Banking Products. The population in this study who had used sharia banking products. Sampling used Non-Probability sampling with Purposive Sampling technique, with a sample size of 120 respondents. The data analysis method in this research uses the Partial Least Square (Smart-PLS) program version 3.0. The research results prove that (1) Celebrity Endorsement has a positive and significant effect on Using Decisions, (2) Green Brand Image has a positive and significant effect on Using Decisions, and (3) Green Product Quality has a positive and significant effect on Using Decisions.
Business Strategy Development and Planning Ariyanti, Dian Ayu; Afrianti , Athika Dewi; Yarangga , Mitha Monik; Andarini, Sonja; Kusumasari, Indah Respati
Journal of Finance and Business Digital Vol. 3 No. 2 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i2.8728

Abstract

Every business needs a plan, especially today when funding and competition are so tight and increasingly advanced. From large companies to new businesses, doing business in Indonesia is becoming increasingly complex, with many competitors selling the same products and services. To reduce possible risks, it is best for companies to have a business plan before starting their business. The more competitors there are, the greater the possibility that consumers will be persuaded to buy the product or service being sold. Many business people only chase big profits without planning or thinking about the risks that might arise. Business planning that can be carried out consists of initial investment, initial funding requirements plan, estimated average sales, equipment purchases, cost of goods sold, income analysis, cash flow analysis, net present value (NPV), payback period, legal aspects, and methods. Data collection Business development planning is also an important step to ensure business success.
The Influence of Budget Planning on Optimizing the Use of Funds for Sport Day Activities in a Manufacturing Company in Karawang Nurjaman, Raihani Salsabila Hasna; Isyanto, Puji
Journal of Finance and Business Digital Vol. 3 No. 2 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i2.10098

Abstract

Every company, whether service, trade or manufacturing, always strives to maximize profits by planning thoroughly and allocating budgets taking into account future conditions. Research conducted at a manufacturing company in Karawang aims to identify the influence of good budget planning on optimal use of funds. The method used is a quantitative approach, the data used in this research comes from primary data and secondary data. Data analysis using simple linear regression using SPSS software. The research results indicate that there is a positive influence between good budget planning and optimal use of funds. Therefore, realizing the budget well is important so that funds can be used optimally and avoid significant budget discrepancies.
Prediction of Regional Development Bank Ratings based on Financial Risk Factors Kaparang, Vica W.P.; Lambut, Adventinus K.; Supriyanto, Supriyanto
Journal of Finance and Business Digital Vol. 3 No. 2 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i2.10178

Abstract

The research analyzes predictions of regional development bank ratings, using financial risk factors, namely profitability, asset quality, and capital, each of which uses the ROA ratio, NPL, and the amount of core capital or Tier 1 capital from the bank. As a development by applying similarities from previous research, the current research examines the financial performance of PT Regional Development Bank North Sulawesi Gorontalo during 2019-2023. The results of this research show that by applying equations in bank rating predictions that take into account financial risk factors, BSG received a rating that was different from the actual rating given by the designated rating agency. This research will discuss the prediction results with analysis that focuses more on BSG's own financial performance, especially financial risk factors.
The Influence of Dividend Policy, Capital Structure and Institutional Ownership Structure on Agency Costs (in Consumer Goods Sector Manufacturing Companies listed on the Indonesian Stock Exchange for the 2019-2022 Period) Wachidah, Durrotul; Hazmi, Shadrina
Journal of Finance and Business Digital Vol. 3 No. 2 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i2.10182

Abstract

This research was conducted to analyze the influence of dividend policy, capital structure and institutional ownership structure on agency costs in manufacturing companies in the consumer goods sector listed on the Indonesia Stock Exchange in 2019 - 2022. The sample used was 57 companies. The data obtained was collected using purposive sampling techniques in annual financial reports so that 14 companies were found in accordance with predetermined requirements. The results of this research prove that: (1) dividend policy has a significant positive effect on agency costs, (2) capital structure has a significant negative effect on agency costs, (3) institutional ownership structure has a positive and significant effect on agency costs, (4) dividend policy, capital structure and institutional ownership structure have a significant positive effect on agency costs.
Implementation of Regional Asset Accounting Information System in the Manado City Government Lolowang, Missi Injilia; Morasa, Jenny; Lambey, Robert
Journal of Finance and Business Digital Vol. 3 No. 3 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i3.11267

Abstract

The Regional Asset Accounting Information System is designed to manage and deliver all accounting information related to Regional Assets (BMD) by utilizing existing methodologies. The aim of this study is to assess the implementation of the Regional Asset Accounting Information System at the Financial and Asset Management Agency of Manado, North Sulawesi. This research was carried out at the Financial and Asset Management Agency of Manado, North Sulawesi, using a descriptive qualitative research method, which involves the description, illustration, analysis, and comparison of written and oral data. The study’s findings indicate that the Regional Asset Accounting Information System employed by the Financial and Asset Management Agency of Manado adheres to the relevant regulations.
Digital Marketing and Financial Performance of Business Start-Ups in Tuguegarao City: a Basis for Service Learning Program Catacutan, Karen Joy; Acob, Tisha Marie; Dadap, Johanna Lindsay; Fernandez, Angelina Nicole; Riza Mea, Riza Mea; Moniño, Sara Jane; Noriega, Justyrayra Jerlyn
Journal of Finance and Business Digital Vol. 3 No. 3 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i3.11421

Abstract

This study assessed the influenced of digital marketing strategies on the financial performance of start-ups in Tuguegarao City, addressing a gap in understanding their influence on profitability. Using a descriptive-quantitative research design, data were collected from 35 start-ups and analyzed through descriptive and inferential statistics, specifically Pearson-R for correlation analysis. Findings revealed no significant relationship between digital marketing strategies, such as affiliate marketing, social media marketing, and financial metrics like gross and net profit margins. The conclusion emphasizes that while digital marketing can improve financial outcomes, start-ups should adopt a more tailored approach. The study proposes the seminar "D.I.G.I.T.A.L." to provide these businesses with a deeper understanding of digital marketing strategies for improved performance.
The Influence of Product Quality, Price and Brand Image on Purchase Decisions of Indosat Ooredoo Prepaid Cards in Makassar City Abdullah, Abdullah; Jam’an, Andi; Indrayani3, Syarthini
Journal of Finance and Business Digital Vol. 3 No. 3 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i3.11504

Abstract

The objective of this research is to analyze the influence of product quality, price, and brand image on the purchasing decisions of Indosat Ooredoo prepaid cards in Makassar City. This study employs a quantitative approach. The purposive sampling technique was used to determine the sample, consisting of 65 respondents who are users of Indosat Ooredoo prepaid cards in Makassar City. Data analysis was performed using multiple linear regression, while hypothesis testing was conducted through t-statistical tests. The results of the study indicate that: (1) Product Quality has a positive and significant influence on the purchasing decisions of Indosat Ooredoo prepaid cards. (2) Price has a positive and significant influence on the purchasing decisions of Indosat Ooredoo prepaid cards. (3) Brand Image has a positive and significant influence on the purchasing decisions of Indosat Ooredoo prepaid cards.
Sustainability at its Core: Embracing the Essence of Tri Hita Karana Philosophy to Empower Eco-Tourism-Focused MSMEs in Bali Sitiari, Ni Wayan; Datrini, Luh Kade; Sarmawa, Wayan Gede; Setini, Made
Journal of Finance and Business Digital Vol. 3 No. 3 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i3.11621

Abstract

Business sustainability is crucial for Bali's Micro, Small, and Medium Enterprises (MSMEs), especially in ecotourism. This study examines how Bali’s Tri Hita Karana (THK) philosophy—balancing relationships between God, humans, and nature—shapes MSME practices. Managers in Bali's MSMEs also encounter sustainability challenges in managing their businesses. The findings show that MSMEs implement THK values through offerings (mebanten) at designated spaces (pelangkiran), fostering social connections (menyamabraya), and practicing environmental conservation. Despite THK's positive influence, challenges arise in balancing traditional values with modern entrepreneurship. The study highlights the need for policies that promote entrepreneurial orientation while preserving local wisdom. Further research is recommended to explore the deeper role of THK in sustaining MSMEs
The Influence of Global and Growth Mindsets on Organizational Commitment and Educational Staff Performance at Universitas Warmadewa: Advancing Towards a High-Quality and Globally Competitive University Sugiati, Gusti Ayu; Sudarmini, Ketut; Rustini, Ni Made
Journal of Finance and Business Digital Vol. 3 No. 3 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i3.11660

Abstract

This study aimed to examine the effects of global mindset, growth mindset, and organizational commitment on the performance of educational staff at Universitas Warmadewa, striving to realize its vision of becoming a high-quality, ecotourism-oriented, and globally competitive institution by 2034. The sample included 71 participants. Data were collected through questionnaires and analyzed using Smart PLS. The results indicated that: 1) Global mindset significantly positively affected organizational commitment but had an insignificant negative effect on performance. 2) Growth mindset significantly positively influenced both organizational commitment and performance. 3) Organizational commitment significantly positively impacted performance. 4) Global mindset influenced performance through organizational commitment, which fully mediated this relationship. 5) Growth mindset also influenced performance through organizational commitment, which partially mediated this relationship.

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