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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 926 Documents
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Fintech Adoption Dynamics in a Free Trade Zone: Assessing TAM and Financial Prudence toward Impulsive Buying Behavior Badriatul Mawadah; Silvia Revalina Chai; Hesniati Hesniati
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.2225

Abstract

The massive shift toward ShopeePay among Gen Z students in Batam has done more than just digitize transactions; it has created a complex environment where digital ease often clashes with impulsive spending. While fintech adoption is skyrocketing, we still lack a clear understanding of how technological acceptance (TAM) and financial literacy actually interact to drive these sudden purchases. This research investigates the relationship, testing how Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Financial Literacy (FL) influence impulsive buying, while positioning fintech usage as a potential bridge. We collected data from 350 active student users in Batam and analyzed it through a PLS-SEM framework via SmartPLS 4.0. The findings reveal several unexpected results that differ from previous behavioral assumptions. While PEOU and PU significantly drive fintech adoption, financial literacy shows no significant relationship with app usage intensity. The results suggest that higher financial literacy may also increase impulsive buying behavior, where higher financial literacy is significantly and positively associated with increased impulsive buying. This finding points toward a potent overconfidence bias, where theoretical knowledge reduces perceived risk and lowers cognitive barriers to spending. Furthermore, neither the technology itself nor the frequency of usage directly triggers impulsive urges, causing fintech usage to fail as a mediator. These results indicate that the negative behavioral impact of fintech in Batam is not driven by the platform's technical attributes, but by the psychological overconfidence of its users. This research suggests that financial education must pivot from purely theoretical knowledge to addressing digital behavioral psychology and emotional self-regulation.
The Influence of Organizational Culture and Work Motivation on Employee Performance at PT Pillar Nusa Wisata in South Jakarta Angga Pratama; Ahmad Zaelani; Lismiatun Lismiatun
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.2929

Abstract

Research Aims: The purpose of this study is to determine the influence of organizational culture and work motivation on employee performance at PT Pillar Nusa Wisata in South Jakarta. The method used is quantitative, with a population and sample size of 43 employees. Design/methodology/approach: The data analysis used was data instrument testing, classical assumption testing, linear regression testing, correlation coefficient testing, determination coefficient testing, and hypothesis testing. Research Findings: Based on the results of the study, organizational culture has a significant effect on employee performance at PT Pillar Nusa Wisata in South Jakarta with a partial coefficient of determination value of 80.0% and a hypothesis test obtained a t-count value > t-table or (12.792 < 2.021). This is also reinforced by a significance value < 0.05 or (0.000 < 0.050). Work motivation has a significant effect on employee performance at PT Pillar Nusa Wisata in South Jakarta with a partial determination coefficient of 83.8% and a hypothesis test value of tcount > ttable or (12.792 < 2.021). The hypothesis test obtained a t-count value > t-table or (14.547 > 2.021). This is also reinforced by a significance value of < 0.05 or (0.000 < 0.050). Organizational Culture and Work Motivation simultaneously have a significant effect on Employee Performance at PT Pillar Nusa Wisata in South Jakarta,with a simultaneous coefficient of determination of 86.1%. The hypothesis test obtained an fcount > ftable or (123.774 > 3.23).
Customer Loyalty in Wood Furniture SMEs: The Role of Word of Mouth, Brand Image, and Consumer Trust Citra Dewi Arventha Putri; Siti Chamidah; La Ode Sugianto
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3332

Abstract

Increasing competition among Micro, Small, and Medium Enterprises (MSMEs) requires business owners to strengthen customer loyalty as a sustainable competitive advantage. Customer loyalty is influenced not only by product quality but also by positive customer communication, brand image, and consumer trust. This study aims to examine the influence of word of mouth, brand image, and consumer trust on customer loyalty at UD. Citra Bagus Wooden Furniture MSME. A quantitative approach was employed using a survey of 120 customers selected through purposive sampling. Data were analyzed using multiple linear regression with SPSS version 25. The findings indicate that word of mouth, brand image, and consumer trust have positive and significant effects on customer loyalty, both partially and simultaneously. These findings suggest that strengthening positive customer communication, improving brand image, and building consumer trust contribute significantly to sustainable customer loyalty. The results provide practical implications for MSME managers in developing long-term customer relationship strategies to enhance business competitiveness.
The Relationship Between Job Satisfaction and Work Ethic with Work Productivity of Jepara Furniture Employees Aura Nirwana
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3462

Abstract

The rapid growth of the furniture industry has intensified competition, requiring companies to improve the quality of their human resources. Work productivity is a key factor in organizational success and is related to employees’ job satisfaction and work ethic. A quantitative correlational design was used, involving 117 employees. Data were collected using scales based on aspects of work productivity by Kusuma and Nugraha (2012), job satisfaction by Smith et al. (1969), and work ethic by Petty (1993). The results showed that, partially, job satisfaction and work ethic had a highly significant positive relationship with work productivity. Simultaneously, both variables also had a significant relationship with work productivity. These findings highlight the importance of job satisfaction and work ethic in improving productivity.
The Influence of FOMO, Online Customer Reviews, and Shopping Lifestyle on Impulse Buying Among Cosmetic Product Consumers in Tuban Regency Siti Syarofah
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3471

Abstract

The This study aims to analyze the influence of Fear of Missing Out (FOMO), Online Customer Review, and Shopping Lifestyle on Impulse Buying among cosmetic product consumers in Tuban Regency. This study uses a quantitative approach with an associative research type. The population in this study are cosmetic product consumers in Tuban Regency. The sampling technique uses non-probability sampling with a sample size of 100 respondents. Data were collected through distributing questionnaires using a Lik ert scale to consumers who have purchased cosmetic products. Furthermore, the data were analyzed using the SPSS 25 application through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficient of determination tests. The results of the study indicate that partially Fear of Missing Out (FOMO) has a positive but insignificant effect on Impulse Buying. Online Customer Review has a negative and significant effect on Impulse Buying, which indicates that the better the customer reviews, the lower the tendency for impulsive buying. Meanwhile, Shopping Lifestyle has a positive and significant effect on Impulse Buying, which means that the higher a person's shopping lifestyle, the higher the tendency for impulsive buying. Simultaneously, Fear of Missing Out (FOMO), Online Customer Review, and Shopping Lifestyle have a significant influence on Impulse Buying, so that these three variables together are able to explain impulsive buying behavior among cosmetic product consumers in Tuban Regency.
The Psychology Behind the ‘Buy’ Button: The Role of Overconfidence, Neuroticism, and Sensation Seeking in Stock Investment Decisions in Batam City Johny Budiman; Isnaini Nuzula Agustin; Jessica Tania
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3502

Abstract

The rapid growth of retail investors in Indonesia, dominated by Generation Z, reflects positive developments in the capital market. However, this is not always accompanied by rational investment decision. This phenomenon indicates the inf luence of behavioral and psychological factors in the investment decision-making process. This study aims to examine the influence of behavioral bias on investment decisions, with risk perception as a mediating variable. Using surveys, numerical research technique was used with an emphasis on freshly collected data.The study sample included 365 respondents from Generation Z and Millennials in Batam City, Riau Islands, who are actively involved in the capital mark et.Using Structural Equation Modeling-Partial Least Squares (SEM- PLS) assisted by SmartPLS software, data analysis was carried out.The results show that risk perception and sensation seeking have a significant positive effect on investment decisions, with sensation seeking also having a significant effect on risk perception. Neuroticism has a significant negative effect on investment decisions but not on risk perception, while overconfidence is only significant on investment decisions. Mediation occurs only for sensation seek ing. These findings highlight the importance of improving financial literacy and risk awareness to encourage more rational and sustainable investment decisions, especially among young investors.
The Fiscal–Procurement–Quality Nexus In Public Construction: A Systematic Review Of Construction Capital Expenditure, Bid Prices, And Project Quality Tedi Lesmana Mauludi Kastari; Heri Ispriyahadi; Susi Susilawati
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3517

Abstract

Construction capital expenditure is a strategic fiscal instrument for delivering public infrastructure, but its contribution to construction quality is not determined solely by the size of the allocated budget. In public construction projects, fiscal allocation is converted into project outcomes through cost estimation, procurement mechanisms, contractor bidding behaviour, bid price reasonableness, contractor capability, risk management, contract functions, and quality control. This study systematically reviews the relationship between construction capital expenditure, bid price, and construction quality in public construction projects. A PRISMA-based Systematic Literature Review was conducted by synthesizing 57 selected scholarly sources consisting of 39 core synthesis sources, 11 included-with-caution sources, and 7 supporting references. The novelty of this study lies in the development of a fiscal–procurement–quality framework that positions bid price as a conceptual mediating mechanism between construction capital expenditure and construction quality. By integrating Public Fiscal Theory, the Cost-Based Pricing Perspective, and the Resource-Based View, this review explains how public fiscal allocation is translated into contractor implementation capacity and construction quality through procurement mechanisms. The findings identify five dominant themes: construction capital expenditure and budget governance, bid price formation and public procurement, contractor capability and performance, construction quality and quality risk, and digital cost–quality governance. Practically, the study emphasizes value-based procurement, rational bid price evaluation, contractor capability assessment, risk-based project control, contract-function governance, and digital transparency to improve construction quality in public construction projects.
The Effect Of Digital Financial Literacy, E-Wallet Adoption, And Locus Of Control On Community Financial Management In Pontianak City With Risk Taking As A Moderating Variable Kristina Hesti Hesti; Dedi Hariyanto; Heni Safitri
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3524

Abstract

This study aims to analyze the effect of Digital Financial Literacy, E-Wallet Adoption, and Locus of Control on Community Financial Management in Pontianak City with Risk Taking as a moderating variable. This study uses a quantitative approach with an associative method. The research sample consists of 150 respondents selected using a purposive sampling technique, namely residents of Pontianak City who are at least 17 years old, have an e-wallet account, and have conducted transactions within the last six months. The data were analyzed using Moderated Regression Analysis (MRA) with the assistance of IBM SPSS. The results of the study in equation I produce the regression model Y = 0.984 + 0.035X₁ + 0.267X₂ + 0.463X₃ + e, which shows that E-Wallet Adoption and Locus of Control have a significant effect on Financial Management, while Digital Financial Literacy does not have a significant effect. Furthermore, in equation II, the regression model Y = 0.687 − 0.230X₁ + 0.099X₂ + 0.428X₃ + 0.350Z + 0.062X₁Z + 0.020X₂Z − 0.041X₃Z + e is obtained, which shows that Digital Financial Literacy, Locus of Control, and Risk Taking have a significant effect on Financial Management, while E-Wallet Adoption does not have a significant effect. Risk Taking is proven to moderate the effect of Digital Financial Literacy on Financial Management, but does not moderate the effect of E-Wallet Adoption or Locus of Control. In addition, the moderation model simultaneously has a significant effect on Financial Management with the coefficient of determination increasing from 69.7% in equation I to 99.0% in equation II.
The Effects Of Financial Performance, Going-Concern Opinions, And Audit Costs On Key Audit Matters (KAM) And To Examine The Role Of The Size Of Public Accounting Firms As A Moderating Variable Among Banking Companies Listed On The Indonesia Stock Exchange For The Period 2022–2025 Fadiah Putri Priyantini; Dewi Indriasih; Fahmi Firmansyah
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3525

Abstract

This study aims to analyze the effects of financial performance, going-concern opinions, and audit costs on Key Audit Matters (KAM) and to examine the role of the size of public accounting firms as a moderating variable among banking companies listed on the Indonesia Stock Exchange for the period 2022– 2025. The study employs a quantitative approach using secondary data obtained from annual reports and independent auditors’ reports. The sample consists of 38 banking companies with a total of 152 observations selected using purposive sampling. Data analysis was conducted using panel data regression with the Random Effects Model (REM) as the best-fitting model based on the results of the model selection test. Moderation testing was conducted using Moderated Regression Analysis (MRA). The results indicate that financial performance, proxied by Return on Assets (ROA), has no effect on Key Audit Matters (KAM). The going-concern opinion has a negative effect on Key Audit Matters (KAM), while audit costs have no effect on Key Audit Matters (KAM). The results of the moderation test indicate that the size of the Public Accounting Firm (PAF) does not moderate the effects of profitability or audit costs on Key Audit Matters (KAM). The findings of this study indicate that the disclosure of Key Audit Matters (KAM) is more influenced by the auditor’s professional judgment and the level of audit risk than by financial performance characteristics, audit costs, or the size of the public accounting firm.
The Role of Social Capital in Fishing Communities: Classification into Socio-economic and Socio-cultural Triana Septiani; Nuraisyah Jamar; Mohammad Hakim Mustaqim
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3538

Abstract

his article aims to examine the role of social capital within fishing communities through a classification of socio- economic and socio-cultural dimensions. The method employed is a systematic literature review (SLR) of reputable scholarly articles that discuss social capital in the context of fishing communities. The findings indicate that social capital plays a strategic role that can be classified into two main dimensions. In the socio-economic dimension, social capital contributes to strengthening the economic resilience of fishermen households, enhancing the effectiveness of fisheries resource management, developing fisheries marketing systems, and promoting economic development as well as community empowerment in coastal areas. Meanwhile, in the socio- cultural dimension, social capital plays a role in the formation and reinforcement of trust, the preservation of customary practices, and the habituation of collective social practices within fishing communities. These findings confirm that social capital serves as an economic and socio-cultural foundation for livelihoods.

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