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JURNAL ECONOMINA
Published by Sekolah Tinggi Ilmu Ekonomi 45 Mataram
ISSN : 29631181     EISSN : 29631181     DOI : https://doi.org/10.55681/economina
Core Subject : Economy,
Economics, Econometrics & Finance
JURNAL ECONOMINA (JE) is a peer-reviewed journal which publishes original research papers. ECONOMINA has been published since 2022. It is currently published every month a year with e-ISSN: 2963-1181. The Digital Object Identifier (DOI) is assigned to each published article and the journal is indexed by Crossref, GARUDA, Neliti.Com, Dimensions and Google Scholar. Areas of research include, but are not limited to Global Business, Transition Issues, Economic Growth and Development, Economics of Organizations and Industries, Finance and Investment, Strategic Management, Human Resources, Marketing, Innovations, Public Administration and Accountancy.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 373 Documents
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Does Financial Risk Education Improve Financial Literacy? Evidence from a Quasi-Experimental Study among Indonesian University Students Bulan Nettiary Kelara; Tika Rahma Yani Siregar
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.2907

Abstract

The rapid expansion of digital financial services has increased the importance of financial literacy, particularly among young adults who are increasingly exposed to consumer credit products, online lending, and buy-now-pay-later services. This study aims to evaluate the effectiveness of a financial risk education program in improving financial literacy among Indonesian university students. A quantitative approach employing a one-group pretest-posttest quasi-experimental design was used. The study involved 70 undergraduate students from the Faculty of Economics, Universitas Sriwijaya, who participated in a financial risk education program covering financial literacy, consumer financing, responsible borrowing behavior, digital financial services, and financial risk management. Data were collected through structured questionnaires administered before and after the intervention and analyzed using the Wilcoxon Signed-Rank Test. The findings revealed a significant improvement in participants’ financial literacy following the intervention, with the mean score increasing from 30.04 to 30.94. The Wilcoxon test indicated a statistically significant difference between pretest and posttest scores (Z = 2.151; p = 0.0315). Furthermore, participants demonstrated a high level of understanding regarding responsible borrowing, the risks associated with excessive use of paylater services, and impulsive buying behavior. These findings suggest that financial risk education can serve as an effective strategy for enhancing financial literacy and promoting more responsible financial decision-making among university students.
The Effects of Green Accounting, Green Innovation, and Green Competitive Advantage on Sustainability Performance at Hotels In East Kalimantan Haris Masri; Yana Ulfah; Fibriyani Nur Khairin
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3008

Abstract

This study aims to analyze the effects of green accounting, green innovation, and green competitive advantage on sustainable performance in the hospitality industry in East Kalimantan Province. Using a quantitative approach, primary data were collected from the entire population of hotel managers in the region and analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The results of the study reveal that: (1) Green accounting has no significant effect on sustainability performance (P = 0.826), indicating that the allocation of environmental costs is still limited to short-term administrative compliance; (2) Green innovation has a positive and significant effect on sustainability performance (p = 0.000), proving that environmentally friendly product and process innovations are effective in reducing waste; (3) Green competitive advantage has a positive and significant effect and is the most dominant determinant of sustainability performance (p = 0.000, path coefficient = 0.628). The implications of this study confirm that hotel management must transform its ecological commitment into a market differentiation strategy in order to achieve holistic sustainability. Penelitian ini bertujuan untuk menganalisis pengaruh akuntansi hijau, inovasi hijau, dan keunggulan kompetitif hijau terhadap kinerja keberlanjutan di industri perhotelan di Provinsi Kalimantan Timur. Dengan menggunakan pendekatan kuantitatif, data primer dikumpulkan dari seluruh populasi manajer hotel di wilayah tersebut dan dianalisis menggunakan Pemodelan Persamaan Struktural berbasis Partial Least Squares (PLS-SEM). Hasil penelitian menunjukkan bahwa: (1) Akuntansi hijau tidak memiliki pengaruh signifikan terhadap kinerja keberlanjutan (P = 0,826), menunjukkan bahwa alokasi biaya lingkungan masih terbatas pada kepatuhan administratif jangka pendek; (2) Inovasi hijau memiliki pengaruh positif dan signifikan terhadap kinerja keberlanjutan (p = 0,000), membuktikan bahwa inovasi produk dan proses yang ramah lingkungan efektif dalam mengurangi limbah; (3) Keunggulan kompetitif hijau memiliki pengaruh positif dan signifikan serta merupakan penentu paling dominan terhadap kinerja keberlanjutan (p = 0,000, koefisien jalur = 0,628). Implikasi dari penelitian ini menegaskan bahwa manajemen hotel harus mengubah komitmen ekologisnya menjadi strategi diferensiasi pasar untuk mencapai keberlanjutan holistik.
Analysing The Impact Of Product Completeness, Service Quality, And Price Discount on Consumer Purchasing Decisions at CV. Sarijaya Agro Pemalang Adhitya Dwi Anggara; Sari Wiyanti; Yuniarti Herwinarni
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3085

Abstract

The agribusiness sector has become more competitive, so companies must optimize their marketing strategies to increase consumer purchases. This study aims to analyze consumer purchasing decisions and the factors that influence them. This is a quantitative study, with the population consisting of consumers of CV. Sarijaya Agro Pemalang and a sample of 100 respondents. The sampling technique used was non-probability sampling via the accidental sampling method. The collected data were analyzed using SPSS software to test classical assumptions, perform linear regression analysis, and conduct hypothesis testing. The results indicate that all variables—product completeness, service quality, and price discounts—influence purchasing decisions both partially and simultaneously
The Influence of Corporate Social Responsibility on Values Companies in the Coal Subsector Companies Listed on the Indonesia Stock Exchange for the 2020-2024 Period Adelia Emmanuella Hutahaean; Jadongan Sijabat; E. Manatap Berliana Lumban Gaol
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3109

Abstract

This study aims to analyze the effect of Corporate Social Responsibility on firm value in coal mining sub-sector companies listed on the Indonesia Stock Exchange during the period 2020-2024. The study is based on stakeholder theory, which emphasize that companies are responsible not only to stakeholders but also to all stakeholders. The research employs a quantitative method using secondary data obtained from financial statements, annual reports, and sustainability reports. The sampling technique used is purposive sampling, resulting in 13 companies with a total of 65 observations. Data were analyzed using simple linear regression with the assistance of SPSS version 26. The results indicate that Corporate Social Responsibility has a positive and significant effect on firm value with a significance value of 0.024. the Adjusted R Square value of 0.063 indicates that Corporate Social Responsibility explains 6,3 % of the variation is explained by other factors outside the research model. Therefore, the higher the level of Corporate Social Responsibility disclosure, the higher the firm value.
Analysis of Ecotourism Development from an Islamic Perspective Firdaus Firdaus; Rafiuddin Rafiuddin; Hikmah Hikmah
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3124

Abstract

This study examines the development of ecotourism from an Islamic perspective, focusing on the application of Islamic values, the various challenges that arise, and an ideal model relevant to the social and cultural context of Indonesia. This study employs a qualitative method using a literature review approach. The data sources include the Qur’an, authentic hadiths, classical fiqh literature, and national tourism policy documents. The results indicate that the development of ecotourism grounded in Islamic values has a solid theological foundation through the concepts of khalifah, amanah, and mizan. The application of Islamic values in ecotourism practices includes environmental conservation, community empowerment, the implementation of business ethics, and the provision of facilities that are welcoming to Muslim tourists. Nevertheless, the development of ecotourism based on Islamic values still faces various significant challenges, such as limited infrastructure, low public awareness, suboptimal regulations, and the dilemma between applying Islamic values and the principle of inclusivity. An ideal model for ecotourism development from an Islamic perspective must integrate the principles of maqasid al-shari’ah, the pentahelix collaboration approach, and the harmonization of Islamic values with local wisdom. Therefore, this study recommends strengthening Sharia-based regulations, enhancing community empowerment, and developing supporting infrastructure to realize sustainable Islamic ecotourism.
Analysis Of Risk Management, Operational Efficiency, And Sharia Financial Inclusion In The Operational Performance Of Insurance Services At The Setia Budi Medan Branch Of Syariah Pawnshop Tafana Ariani Harahap; Maidalena Maidalena; Tri Inda Fadhila Rahma
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3185

Abstract

This study aims to analyze risk management, operational efficiency, and Islamic financial inclusion in supporting the operational performance of insurance services at Pegadaian Sharia Setia Budi Medan. The research used a descriptive qualitative approach involving 15 informants and analyzed using NVivo 14 through the stages of open coding, axial coding, and selective coding. The results of the study show that risk management is the most dominant theme in supporting the operational performance of insurance services. The application of risk identification, risk assessment, and determination of risk attitudes and solutions is able to maintain asset security and service quality. Operational efficiency is supported by administrative digitalization, non-cash transactions, and resource optimization, while Islamic financial inclusion is realized through the provision of accessible products, public education, and the use of digital technology. Overall, the operational performance of insurance services at Pegadaian Syariah Setia Budi Medan Branch is in good condition, supported by effective risk management, optimal operational efficiency, and wider Islamic financial inclusion.  
Analysis of Consumer Purchasing Decisions Influenced by Consumer Trust, Price Perception, and Product Quality (Case Study of the “Cicil Emas Galeri” Program at the Kejambon Tegal Branch of PT. Pegadaian Persero) Irma Sholeha; Sari Wiyanti; Makmur Sujarwo
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3192

Abstract

Gold is often viewed as a relatively safe asset for long-term investment. The focus of this study is to analyze the decline in purchase decisions for the “Cicil Emas Galeri” program at the Kejambon Tegal Branch of PT. Pegadaian PERSERO. This downward trend in purchases indicates a shift in consumer behavior, particularly regarding trust, price perceptions, and product quality assessments. This study employs both quantitative and qualitative research methods. The data used consists of primary data collected from respondents via questionnaires, utilizing non-probability sampling techniques and a purposive sampling method. The study population consisted of 1,325 individuals—all active users of gold services, programs, or installment plans at the Kejambon Tegal branch of PT. Pegadaian (Persero)—with a sample size of 100 respondents. The data were then processed and analyzed using classical assumption tests, multiple linear regression analysis, and hypothesis testing (t-test, F-test, and coefficient of determination test). The results of the study showed that the third variable, Consumer Trust, with a significance value (0.000 < 0.05), had a positive effect on the Purchase Decision, meaning H1 is supported; Price Perception, with a significance value (0.000 < 0.05) has a positive effect on purchase decisions, meaning H2 is supported; Product Quality, with a significance value of (0.000 < 0.05), has a significant effect on purchase decisions, meaning H3 is supported. The variables of consumer trust, price perception, and product quality have a simultaneous effect on purchasing decisions, with a significance level of 0.000 < 0.05, meaning that Hypothesis 4 is supported.
Boosting the Performance of Culinary MSMEs Through Marketing, Product Innovation, and Word of Mouth: Empirical Evidence in Jepara Regency Rizka Cahya Rahma Dhani; Heni Susilowati
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3217

Abstract

Amidst fierce business competition, MSME operators are required to offer added value and enhance their business competitiveness. This study aims to analyse the role of packaging, product innovation and word-of-mouth in improving the business performance of MSME operators in Jepara Regency. A quantitative approach was employed using an associative research design. Questionnaires were distributed to MSME operators using purposive sampling to collect data from 100 respondents. The data were then analysed using multiple linear regression to test the relationships between the variables. The results indicate that, both partially and simultaneously, the variables of packaging, product innovation and word-of-mouth have a positive and significant effect on the business performance of SMEs in Jepara Regency. Product innovation is the most dominant factor in driving the growth of the culinary sector in Jepara. The Adjusted R-squared coefficient was 0.619, indicating that these three variables account for 61,9% of the variation in SME business performance, whilst the remainder is influenced by factors outside the scope of this study. These findings suggest that strategies focusing on packaging development, product innovation, and strengthening word-of-mouth communication are crucial factors in enhancing the success of culinary SMEs in Jepara Regency amidst an ever-evolving market landscape.
The Impact of Understanding Microinsurance and Risk Mitigation on the Business Resilience of Microinsurance Participating MSMEs Nova Fitri Yasdiana; Andri Soemitra; Isnaini Harahap
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3272

Abstract

This study aims to analyze the influence of microinsurance understanding and risk mitigation on the business resilience of microinsurance participating MSMEs in Medan's Central Market Center. This research uses a quantitative method with the SEM-PLS approach through the SmartPLS 4 application, with a sample of 95 respondents selected using a purposive sampling technique. The results of the data analysis indicate that the Microinsurance Understanding variable has a positive and significant influence on MSME business resilience (t = 3.379; p = 0.001). In contrast, the Risk Mitigation variable does not show a significant influence on MSME business resilience (t = 0.367; p = 0.714). This is influenced by the very high conceptual overlap in the eyes of respondents between the two independent variables (HTMT = 0.982), where business actors consider concrete risk mitigation actions to be inherent in the microinsurance instrument itself. Simultaneously, this model is able to explain the variance in MSME business resilience by 37.2% (R^2 = 0.372). These findings indicate that deepening insurance literacy is a crucial key to increasing the financial resilience of business actors in the face of economic uncertainty.  
When Global Brand Reputation Isn't Enough: The Role Of Product Features And Brand Image In Shaping Hp Laptop Purchase Interest Aldena Farhana Rahman; H. Akhmad Saufi; Yeldy Dwi Genadi
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3393

Abstract

Although HP is one of the world's leading laptop brands with a strong global reputation, a preliminary survey indicated that it is not yet the primary choice among university students due to their evaluation of product features and perceptions of brand image. This condition highlights the need to examine the factors that influence students' purchase intention toward HP laptops. This study aims to analyze the effects of product features and brand image on the purchase intention of HP laptops among students of the Faculty of Economics and Business, University of Mataram. This research employed a quantitative approach with an associative research design. A total of 100 students were selected using purposive sampling. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression with IBM SPSS Statistics. The results revealed that product features had a positive and significant effect on purchase intention (B = 0.403; p < 0.001), while brand image also had a positive and significant effect on purchase intention (B = 0.366; p < 0.001). Simultaneously, both variables explained 63.9% of the variance in students' purchase intention (R2 = 0.639). These findings provide empirical evidence that functional evaluation through product features and perceptual evaluation through brand image play important roles in shaping students' purchase intention toward HP laptops. The findings also offer practical insights for companies in developing product innovation and strengthening brand image strategies to better meet the needs of young consumers.

Page 37 of 38 | Total Record : 373

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