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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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The Antecedents of Individual Tax Compliance: The Moderating Role of Tax Awareness in KPP Pratama Singaraja Yosep Fristamara; Lucy Sri Musmini; Desak Nyoman Sri Werastuti
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.v5i8.3806

Abstract

Tax compliance remains a persistent challenge in developing economies, particularly in regional contexts characterized by economic diversity and varying institutional capacity. While existing literature extensively examines direct determinants of compliance, the moderating role of tax awareness defined as internalized civic-moral obligation, distinct from the technical-cognitive construct of taxpayer knowledge remains underexplored. Tax awareness is modeled as a moderator rather than an additional antecedent because prior Indonesian studies have predominantly positioned awareness-related constructs as mediators, leaving unexamined whether awareness conditions the strength of predictor-compliance relationships within the Theory of Planned Behavior framework. This study analyzes data from 240 individual taxpayers registered at KPP Pratama Singaraja, Buleleng Regency, Bali, Indonesia, collected through purposive sampling and analyzed using PLS-SEM with SmartPLS 3 and bootstrapping with 5,000 subsamples. Results indicate that tax administration system is the strongest predictor of compliance (β = 0.268, p < 0.001), followed by tax service quality (β = 0.147, p = 0.016), while taxpayer knowledge shows no significant direct effect (β = -0.047, p = 0.271). Tax awareness exhibits divergent moderation patterns: negatively moderating the service quality-compliance relationship (β = -0.325, p < 0.001), consistent with a substitution interpretation, while positively moderating the administration system-compliance relationship (β = 0.147, p = 0.002), consistent with a synergy interpretation. These findings suggest that subjective norms interact with, rather than simply add to, attitude- and control-based compliance determinants. Discriminant validity limitations and the single-site cross-sectional design constrain generalizability beyond similar regional tax office contexts.
Organisational Readiness for AI Contact Center Adoption in Indonesian Banking Ryaas Mishbachul Munir; Nila Armelia Windasari
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.v5i8.3809

Abstract

Artificial intelligence (AI) is transforming customer service operations in banking, with contact centers as a primary deployment. This study examines the causal structure of organisational readiness factors for AI contact center adoption in Indonesian banking and develops a scenario planning framework to guide implementation strategy across institutional contexts. The research employs a sequential multi-method design: ten in-depth interviews (IDI) across six functional domains (contact center operations, product management, regulatory and risk, technology and AI, compliance, and customer perspective); reflexive thematic analysis to identify and consolidate implementation factors; DEMATEL (Decision-Making Trial and Evaluation Laboratory) causal analysis by eight domain experts; MICMAC structural classification; and four-scenario strategic planning. Thematic analysis of interview transcripts consolidated 10 final factors using discriminant validity criteria. DEMATEL analysis (n = 8; normalisation parameter s = 33.875; significance threshold α = mean(T) + 1·SD = 0.8259) identified 19 significant causal relationships. The 10 factors were categorised within the Technology-Organisation-Environment (TOE) framework. DEMATEL causal analysis revealed that all five Cause factors (r−c > 0) belong to these dimensions: FIN, MAN, PEL, KOM, and NAS, while the Effect factors belong to these dimensions: AKU, KEA, DAT, INF, and REG. AI Response Accuracy is the most structurally central factor, confirming its role as the convergence point of all causal investment pathways. MICMAC structural analysis classified Financial Readiness, Management Commitment, and Agent Competency as Driving variables; Technology Infrastructure, AI Response Accuracy, and Data Security as Relay amplifiers; Data Availability and Regulatory Compliance as Output indicators; and HR Training and Customer Readiness as Autonomous variables. CLD analysis identified five reinforcing loops (R1–R5) and one balancing loop (B1). The scenario planning framework constructs a two-axis matrix: Organisational Readiness (X = FIN×0.55 + MAN×0.45, weights proportional to r−c magnitudes) and Ecosystem Support (Y = NAS). Four scenarios are mapped against KBMI institutional profiles: Scenario A (Optimal Transformation, KBMI IV), Scenario B (Independent Innovation, KBMI III), Scenario C (Ecosystem-Led Adoption, Digital banks), and Scenario D (Pre-Adoption, KBMI I–II conventional banks). The principal finding is that AI contact center implementation in Indonesian banking is fundamentally an organisational challenge that manifests as a technology challenge. Financial readiness and management commitment must precede technology selection; data quality and AI accuracy are outputs of organisational investment, not independent prerequisites. These findings invert the conventional technology-first implementation narrative and provide empirically grounded, KBMI-stratified guidance for banking practitioners, regulators, and future research.
Digital Innovation in Islamic Finance: A Bibliometric Analysis of Global Research Trends (2013-2026) Anggari Marya Kresnowati; Afida Munawati
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.v5i8.3817

Abstract

Islamic finance has grown rapidly over the past two decades, and digital technology is now reshaping how Shariah-compliant institutions operate. Yet research on this intersection has expanded unevenly, with existing reviews typically covering only one technology or instrument at a time. This study presents a bibliometric analysis of 686 Scopus-indexed articles and reviews on digital innovation in Islamic finance published between 2013 and 2026. Using Biblioshiny (bibliometrix in R), the study examines publication trends, influential sources and authors, thematic clusters, intellectual foundations, and country-level collaboration. Results show an annual growth rate of 45.59%, with the Journal of Islamic Accounting and Business Research and Journal of Islamic Marketing as the leading outlets. Thematic mapping identifies fintech, Islamic banking, and blockchain as the field's core themes, while digital instruments for Islamic social finance (zakat, waqf, and crowdfunding) remain comparatively underdeveloped. Indonesia and Malaysia lead global research output and collaboration. The findings offer an integrated map of a fragmented literature and point to digital Islamic social finance as a priority area for future research and policy attention.
The Influence Of Brand Image, Customer Experience, And Product Variation On Purchase Decisions At Lalia Fashion Bima Amanda Juliana
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.v5i8.3824

Abstract

This study aims to examine the influence of Brand Image, Customer Experience, and Product Variety on Purchase Decisions at LaLia Fashion Bima. The study was conducted among 210 customers of LaLia Fashion Bima using an accidental sampling technique. Data were collected through a questionnaire and analyzed using Multiple Linear Regression with SPSS software.The results indicate that Brand Image has a significant partial effect on Purchase Decisions. Customer Experience also has a significant partial effect on Purchase Decisions. Likewise, Product Variety has a significant partial effect on Purchase Decisions. Furthermore, Brand Image, Customer Experience, and Product Variety simultaneously have a significant effect on Purchase Decisions. Keywords: Brand Image, Customer Experience, Product Variety, Purchase Decision
Destination Reputation Mediates The Effects Of Digital Marketing And E-Wom Dhita Ichwati Sholikhah; Awan Kostrad Diharto
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.v5i8.3842

Abstract

This study aims to analyse the influence of social media-based digital marketing and electronic word-of-mouth (e-WOM) on tourists’ interest in visiting, with destination reputation as a mediating variable, at Kampung Batik Kauman in Surakarta. The study employed a quantitative approach using a survey method targeting tourists who were aware of or had previously visited Kampung Batik Kauman Surakarta. Data were collected via a questionnaire and analysed using Structural Equation Modelling-Partial Least Squares (SEM-PLS). The results indicate that social media-based digital marketing and e-WOM enhance destination reputation and tourists’ intention to visit. Destination reputation was also found to increase visitation interest whilst mediating the influence of digital marketing and e-WOM on visitation interest. These findings confirm that strengthening destination reputation is a key mechanism in optimising the effectiveness of digital marketing strategies to increase tourists’ interest in visiting heritage tourism destinations.
The Influence of Brand Ambassador, Brand Trust, Brand Image and Product Quality on Skincare Product Purchase Decisions Jesen Allen Dwi Saputra; Erny Rachmawati; Tri Septin Muji Rahayu; Alfato Yusnar Kharismasyah
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.v5i8.3846

Abstract

This study aims to analyze the influence of brand ambassadors, brand trust, brand image, and product quality on purchasing decisions for Glad2Glow skincare products in Purwokerto City. The study used a quantitative approach. The research respondents were the general public who are consumers of Glad2Glow skincare products in Purwokerto City and were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS 3. The results showed that brand ambassadors, brand trust, brand image, and product quality had a positive and significant effect on purchasing decisions for Glad2Glow skincare products. The research findings also showed that these four variables were able to explain purchasing decisions by 46.2%, while the remaining 53.8% was influenced by other variables outside the research model. These results indicate that increasing brand ambassador credibility, brand trust, brand image, and product quality can improve consumer purchasing decisions for Glad2Glow skincare products. These findings provide implications for companies in formulating more effective marketing strategies to improve consumer purchasing decisions.
The Role of Information Technology in the Effect of Risk Management on Banking Performance Rizka Fadilla Rahmawati; Agung Juliarto
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.v5i8.3849

Abstract

Instability in the banking sector can trigger broader economic issues, reduce market valuation, and lead to a loss of public or stakeholder trust. Therefore, it is crucial for banks to continuously monitor the risks they face, even those that are difficult to control. This study aims to provide empirical evidence on the impact of risk management on banking performance (profitability and firm value), with information technology as a moderating variable. The study is based on a sample of banking companies listed on the Indonesia Stock Exchange during the period 2019–2023. Panel data regression models are used to test the hypotheses. Risk management, proxied by capital adequacy (CAR) and climate change initiatives (CCI), has a positive effect on profitability and firm value. Meanwhile, operational inefficiency (BOPO) negatively affects profitability only. The interaction between operational inefficiency and information technology (BOPO_TI) weakens firm value. Risk management through capital adequacy and climate initiatives improves banking performance. However, the weakening effect of IT in the presence of low operational efficiency indicates that technology adoption alone is insufficient. IT implementation must be aligned with operational efficiency and sound risk management to support the ERM objective of "create and protect value".
The Influence of Gamification and Online Trust on Repurchase Intention with Customer Satisfaction as a Mediating Variable: A Study of Shopee Platform Customers Johannes Indarga Hary Pratomo; Endang Tjahjaningsih
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.v5i8.3850

Abstract

This study aims to analyze the effects of Gamification (X₁) and Online Trust (X₂) on Repurchase Intention (Y₂), with Customer Satisfaction (Y₁) serving as a mediating variable among Shopee application users in Indonesia. This study employed a causal quantitative approach. The sample was selected using a non-probability sampling method with a purposive sampling technique involving 100 respondents who met the following criteria: active Shopee users aged at least 17 years, had completed at least two transactions within the last six months, and had used Shopee's gamification features. Data were analyzed using Path Analysis with the assistance of SPSS software, while the mediating effect was examined using the Sobel Test. The results indicate that Gamification has a positive and significant effect on Customer Satisfaction (β = 0.519; Sig. = 0.000), and Online Trust also has a positive and significant effect on Customer Satisfaction (β = 0.570; Sig. = 0.000). In contrast, Gamification (β = 0.066; Sig. = 0.483) and Online Trust (β = 0.113; Sig. = 0.249) do not have a significant direct effect on Repurchase Intention. Customer Satisfaction was found to have a positive and significant effect on Repurchase Intention (β = 0.615; Sig. = 0.000). Furthermore, Customer Satisfaction significantly mediates the relationship between Gamification and Repurchase Intention with a full mediation effect (Z = 4.455; Sig. = 0.000), and also significantly mediates the relationship between Online Trust and Repurchase Intention with a full mediation effect (Z = 4.560; Sig. = 0.000). These findings validate the extension of the Stimulus–Organism–Response (S-O-R) framework in the e-commerce context, demonstrating that gamification strategies and the development of online trust do not directly encourage repurchase intention. Instead, they first enhance customer satisfaction as an internal response, which subsequently leads to the formation of repurchase intention.
Herding Behavior in Indonesia’s LQ45 Index: Systematic or Episodic? Evidence from 2014–2023 Tiar Lina Situngkir; Rahma Ayu Gunawan
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.v5i8.3852

Abstract

This study examines herding behavior in the LQ45 index over the period 2014–2023 using non-linear CSAD and CSSD models, while separating bull and bear market phases and incorporating COVID-19 episodes under wide and narrow definitions. The study aims to determine whether herding in Indonesia’s most liquid blue-chip segment is systematic, episodic, or absent. Weekly data from 15 consistently listed LQ45 constituents were analyzed using regime-based nonlinear regressions, with market return as the explanatory variable and dispersion measures as the dependent variables. The results show no evidence of systematic herding in the full sample or across the two sub-periods. Herding appears only episodically in 2015 based on the CSAD model, but this signal is not confirmed by the CSSD model, indicating that the episode is indicator-dependent rather than structurally robust. In bull markets, the positive and significant nonlinear coefficient points to anti-herding, suggesting that investors respond in more differentiated ways when market conditions strengthen. No significant herding is found during the COVID-19 period. These findings imply that investor behavior in the LQ45 index is not dominated by a persistent follow-the-crowd tendency, but rather by fundamentally guided and regime-sensitive price formation. The study contributes to the literature by providing long-horizon evidence on herding in an emerging market, showing that the critical distinction is not herding versus non-herding, but systematic versus episodic herding. The findings also suggest that large and liquid equity segments may preserve price efficiency except under specific stress conditions.
Determinants of Accounting Information Use among Micro, Small, and Medium Enterprises in Bengkalis Regency Siti Asiam
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.v5i8.3858

Abstract

The use of accounting information plays an important role in supporting decision-making and improving the performance of Micro, Small, and Medium Enterprises (MSMEs). However, many MSMEs still experience limitations in utilizing accounting information effectively. This study aims to examine the effects of owner education, accounting knowledge, accounting training, and information technology utilization on the use of accounting information among MSMEs in Bengkalis Regency. A quantitative approach was employed using a survey method. Data were collected through questionnaires distributed to 140 MSME owners and analyzed using multiple linear regression with SPSS 29. The findings reveal that accounting knowledge has a positive and significant effect on the use of accounting information, whereas owner education, accounting training, and information technology utilization do not have significant effects. Simultaneously, the four independent variables significantly influence the use of accounting information (F = 10.390; p < 0.001). The coefficient of determination (R2 = 0.235) indicates that the model explains 23.5% of the variation in accounting information use, while the remaining 76.5% is explained by other factors outside the model. These findings contribute to Human Capital Theory by demonstrating that specific competencies, particularly accounting knowledge, play a more important role than formal education, accounting training, or information technology utilization in encouraging MSMEs to use accounting information. Practically, the study suggests that policymakers and relevant institutions should prioritize competency-based accounting education and continuous mentoring programs to improve accounting information utilization amongMSMEs.

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