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INDONESIA
Jurnal Bisnis Kompetitif
Published by Komunitas Manajemen Kompetitif
ISSN : -     EISSN : 28295277     DOI : https://doi.org/10.35446/bisniskompetif.v1i3.1194
Core Subject : Social,
Social Sciences
Jurnal Bisnis Kompetif diterbitkan oleh Komunitas Manajemen Kompetitif. Jurnal ini diterbitkan tiga kali pada bulan Maret, Juli dan Nopember. Ini berisi artikel-artikel seperti karya ilmiah (riset dan non-penelitian), studi analitis, aplikasi teoritis dan ulasan masalah bisnis. Penerbitan jurnal ini bertujuan untuk meningkatkan kuantitas dan kualitas serta penyebarannya dengan ilmu di kalangan intelektual, praktisi, mahasiswa dan pemerhati masalah bisnis.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 184 Documents
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PERAN DANA DARURAT DAN PERENCANAAN PENSIUN DALAM KESEJAHTERAAN KEUANGAN MILENIAL INDONESIA Muhammad Fazli; Sheltya Sheltya; Agnes Agnes
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 1 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i1.2903

Abstract

Indonesian millennials face distinctive financial pressures, ranging from income uncertainty and rising living costs to the burden of being a sandwich generation. Amid these conditions, emergency fund ownership and pension program participation remain very low, potentially eroding both short-term and long-term financial well-being. This study aims to analyze the role of emergency funds and retirement planning on the financial well-being of Indonesian millennials. The method is a literature study (library research) with a content analysis approach to secondary data, including the OJK–BPS National Survey on Financial Literacy and Inclusion (SNLIK), financial institution reports, and relevant academic literature. The analysis is grounded in three theoretical frameworks: the concept of financial well-being (CFPB, 2017), the life-cycle hypothesis (Modigliani & Brumberg, 1954), and the theory of financial literacy (Lusardi & Mitchell, 2014). The findings show that emergency funds act as a liquidity buffer maintaining short-term stability and shock-absorbing capacity, while retirement planning ensures long-term financial sustainability through accumulation and compound interest. Together, both complementarily build the sense of financial security and freedom of choice at the core of financial well-being. The low ownership of emergency funds (±16 percent) and pension participation (±14 percent) among millennials are the main obstacles. The study recommends strengthening financial literacy, automating fund allocation, and policy and employer support
ANALISIS INITIAL PUBLIC OFFERING (IPO) TERHADAP PROFITABILITAS PERUSAHAAN: STUDI KASUS PADA PT FORE KOPI INDONESIA, TBK Indah Maha Sari; Risy Riski; Adinda Putri Utami
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 1 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i1.2904

Abstract

This study aims to analyze the impact of an Initial Public Offering (IPO) on corporate profitability, focusing on PT Fore Kopi Indonesia Tbk. The research employs a descriptive quantitative approach using secondary data obtained from the company's audited annual financial statements for the 2024–2025 period. The analysis was conducted by comparing profitability ratios before and after the IPO, including the Gross Profit Margin (GPM), Net Profit Margin (NPM), Return on Assets (ROA), and Return on Equity (ROE). The results indicate that following the IPO, PT Fore Kopi Indonesia Tbk experienced an improvement in profitability performance, as reflected in the increase of GPM from 61.12% to 61.73% and NPM from 5.61% to 6.02%. These improvements demonstrate the company’s enhanced operational efficiency and ability to generate higher profits. However, ROA declined from 9.09% to 7.77%, while ROE decreased from 23.00% to 13.24%. The decline in these ratios was primarily caused by the significant increase in assets and shareholders’ equity resulting from the IPO proceeds, which were allocated to business expansion activities. Consequently, the benefits of these investments have not yet been fully reflected in the returns generated from assets and equity. Overall, the IPO had a positive impact on the company’s revenue growth, net income, and capital structure. The findings suggest that the IPO proceeds were utilized effectively to support business expansion and strengthen the company’s competitive position, although challenges remain in optimizing asset and equity productivity during the post-IPO period.
REKONSTRUKSI KERANGKA HUKUM PERLINDUNGAN KONSUMEN DALAM EKOSISTEM PLATFORM DIGITAL DI INDONESIA Ardenolis; Najla'a Talitha Kadisai; Melioner Permata Rahman
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 1 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i1.2905

Abstract

The development of the digital platform ecosystem in Indonesia has created significant normative gaps in the existing consumer protection legal framework. Law Number 8 of 1999 on Consumer Protection, as the primary legal instrument, has proven inadequate in accommodating the complexity of legal relationships among consumers, businesses, and digital platforms in the digital economy era. This research aims to analyze the structural weaknesses of the existing consumer protection legal framework, identify regulatory gaps in the digital platform ecosystem context, and reconstruct a legal framework responsive to digital dynamics. The research methodology employs a normative juridical approach with statutory, conceptual, and comparative methods. The results reveal at least three fundamental regulatory gaps: the ambiguity of digital platform legal liability, weaknesses in digital dispute resolution mechanisms, and insufficient protection of consumer personal data. The proposed legal framework reconstruction encompasses strengthening the platform's position as an independent legal subject, integrating strict liability principles in digital transactions, and establishing an integrated supervisory authority. This research contributes to the development of an adaptive and comprehensive digital consumer protection law in Indonesia.
DAMPAK REKRUTMEN SISTEM EMPLOYEE REFERRAL DALAM MEMBANGUN LOYALITAS KARYAWAN BARU DI SEKTOR PERBANKAN Mulyadi Maswir; Iskandar Iskandar; Yogie Rahmat
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 1 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i1.2952

Abstract

The high employee turnover rate among new employees in the first year of employment is one of the critical challenges of human resource management today. This study aims to empirically test the impact of the Employee Referral program (internal recommendation) on the loyalty of new employees in the banking sector. Using a causal associative quantitative approach, data were collected through a Likert-scale structured questionnaire from 60 respondents who were new employees from the referral recruitment channel. The sampling technique used was purposive sampling, and the data were analyzed using a simple linear regression method assisted by SPSS software. The results of the hypothesis testing (t-test) showed that the Employee Referral program had a positive and significant effect on the loyalty of new employees. The results of the coefficient of determination analysis (R2) confirmed that this internal recommendation program contributed 41.5% to the variation in loyalty of new employees. These findings theoretically support the concepts of Realistic Job Preview Theory and Social Exchange Theory, where the accuracy of pre-employment information and positive moral burden can accelerate adaptation while building affective commitment. Practically, this study recommends that HR formalize the referral system digitally while maintaining selection objectivity to secure loyalty from the initial recruitment stage
PENGARUH TOTAL ASSET TURNOVER, OPERATING EXPENSE RATIO, DAN DEBT TO EQUITY RATIO TERHADAP RETURN ON ASSETS PADA PERUSAHAAN TRANSPORTASI DAN LOGISTIK YANG TERDAFTAR DI BURSA EFEK INDONESIA Siti Samsiah; Asepma Hygi Prihastuti; Mairoza Mairoza
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 2 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i2.2948

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Total Asset Turnover (TATO), Operating Expense Ratio (OER), dan Debt to Equity Ratio (DER) terhadap Return on Assets (ROA) pada perusahaan transportasi dan logistik yang terdaftar di Bursa Efek Indonesia. Sampel penelitian terdiri atas 27 perusahaan selama periode 2021–2025 dengan total 135 observasi. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS versi 26. Hasil penelitian menunjukkan bahwa TATO berpengaruh positif dan signifikan terhadap ROA (β = 0,302; sig 0,000), yang mengindikasikan bahwa semakin efisien perusahaan dalam memanfaatkan asetnya, semakin tinggi tingkat profitabilitas yang dihasilkan. Sebaliknya, OER memiliki pengaruh negatif terhadap ROA (β = -0,219; sig 0,005), yang menunjukkan bahwa peningkatan beban operasional dapat menekan kinerja profitabilitas perusahaan. Selain itu, DER berpengaruh negatif dan signifikan terhadap ROA (β = -0,264; sig 0,001), yang mengindikasikan bahwa tingkat leverage yang tinggi cenderung menurunkan profitabilitas perusahaan. Nilai koefisien determinasi (R2) sebesar 0,236 menunjukkan bahwa ketiga variabel independen mampu menjelaskan 23,6% variasi profitabilitas. Temuan ini menegaskan bahwa efisiensi pemanfaatan aset, pengendalian biaya operasional, dan pengelolaan struktur modal merupakan faktor penting dalam meningkatkan profitabilitas perusahaan. Oleh karena itu, manajemen perlu memprioritaskan strategi peningkatan efisiensi operasional dan optimalisasi struktur modal untuk mendukung kinerja keuangan yang berkelanjutan.
ASURANSI SYARIAH SEBAGAI INSTRUMEN PERLINDUNGAN FINANSIAL MASYARAKAT BERPENGHASILAN RENDAH Desi Devrika Devra
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 2 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i2.2970

Abstract

This study examines the role of sharia insurance as a financial protection instrument for low-income people in Indonesia. Using a descriptive qualitative approach based on literature study, this study analyzes the challenges, as well as opportunities for the development of inclusive sharia insurance. The results of the study show that sharia insurance has great potential to become an instrument of financial protection for low-income people through the principles of tabarru', ta'awun, and fair profit sharing. However, the low level of Islamic financial literacy and the Islamic financial inclusion index based on the 2024 National Survey on Financial Literacy and Inclusion are the main obstacles. The strategy of expanding access through digitalization, sharia insurance products, and inter-institutional cooperation is identified as a solution to encourage the development of sharia insurance to low-income segments of society. Keywords: Islamic Insurance, Financial Protection, Low-Income Communities, Financial Inclusion, Takaful
PENGARUH SERTIFIKASI HALAL, KEPERCAYAAN KONSUMEN, DAN KUALITAS INFORMASI DIGITAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK HALAL DI E-COMMERCE PADA MAHASISWA FAKULTAS KEDOKTERAN UNIVERSITAS ABDURRAB PEKANBARU Endah Wahyuningsih; M Filbert Musnal; Budi Satria
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 2 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i2.2988

Abstract

Abstract. The growth of e-commerce has transformed consumer behavior regarding the purchase of halal products; consequently, halal certification, consumer trust, and digital information quality have become critical factors influencing purchasing decisions. This study aims to analyse consumer perceptions of these three factors in the context of purchasing halal products via e- commerce. A quantitative approach was employed, utilizing, asurvey method involving 114 respondents who had previously purchased halal products online. Data were collected using a five-point Likert scale questionnaire and analyzed through descriptive statistics. The results indicate that all variables fell into the “very high” category. The halal certification variable achieved the highest mean score at 4,63 (92,54%), followed by purchasing decision at 4,36 (87,11%), digital information quality at 4,25 (84,96%), and cosumer trust at 4,20 (84,04%). These findings demonstrate that consumers hold highly positive perceptions regarding the presence of halal certifikatin, the quality of digital information, and the level of trust involved in e-commerce transactions. Halal certification received the highestrating, indicating that the guarantee of halal status is a primary consideration when purchasing halal products online. However, as the current findings are descriptive in nature, they do not explain the causal relationships between the variables. Therefore, further research utilizing inferential analysis is required to empirically examine the influence of halal certification, consumer trust, and digital information quality on puchasing decisions.
ANALISIS MODEL ALTMAN, SPRINGATE, ZMIJEWSKI DAN GROVER SEBAGAI ALAT PREDIKSI FINANCIAL DISTRESS PADA PT SAMPOERNA AGRO TBK PERIODE 2019-2024. Rahma Dewi; Rossa Andiani Putri; Wina Angriany Simanullang
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 3 (2025): aktor Penentu Minat Pembelian, Kinerja Karyawan, dan Pengelolaan Hubungan Pelangg
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i3.2664

Abstract

This study aims to analyze the analyze bankruptcy prediction using four financial distress models: Altman, Zmijewski, Springate, and Grover. Furthermore, it also aims to determine the significant differences between the four financial distress models. Financial distress is often defined as failure, insolvency, default, and bankruptcy to categorize a company's economic problems. The object of this study is PT Sampoerna Agro Tbk for the 2019-2024 period. This study uses a comparative descriptive quantitative approach. The data used are secondary data in the form of financial reports of PT Sampoerna Agro Tbk. Data processing is done by calculating each model using Microsoft Excel, while statistical testing is done through the Shapiro-Wilk test, homogeneity of variance test, and One-Way ANOVA test with the help of SPSS version 16 software. The results of the ANOVA test will later be the basis for drawing conclusions regarding the differences in financial distress prediction performance between the models tested. Based on the test results, it shows that there are significant differences between the four models in predicting financial distress
PENGARUH BIAYA PRODUKSI DAN HARGA JUAL TERHADAP PENDAPATAN PETANI KELAPA SAWIT DESA LAMONDAPE KECAMATAN POLINGGONA Novi Juwita Sari; La Ode Turi; Nichen Nichen
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 1 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i1.2764

Abstract

The purpose of this study was to determine the effect of production costs and selling prices on the income of oil palm farmers in Lamundape Village, Polinggona District, Kolaka Regency. This study used a quantitative approach. Data collection was carried out by distributing questionnaires in print form directly to the respondents (oil palm farmers). The population in this study was palm oil farmers in Lamundape Village who farm palm oil. The sample size was determined using random sampling, which amounted to 60 people. The research instruments were tested using validity and reliability tests. This study used multiple linear regression analysis with data processing using the SPSS 26 application. The results of this study indicate that production costs have a positive and significant effect on farmers' income (sig 0.000 < 0.05) with a t-value of 33.142 > t-table 1.671, and that selling prices have a positive and significant effect on farmers' income (sig 0.000 < 0.05) with a t-value of 3.75 > t-table 1.671. simultaneously, production cost and selling prices have a positive and significant effect on the income of oil palm farmers. In addition, the R-squared value of 0.956 shows that production costs and selling prices account for 95.6% of income, while the remaining 4.4% is influenced by other variables.
ANALISIS DAMPAK PROGRAM PUPUK BERSUBSIDI TERHADAP PRODUKSI DAN PENDAPATAN PADA KELOMPOK TANI DI DESA MENAMING Melda Yani; Arfianti Novita Anwar; Devi Novianti
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 1 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i1.2765

Abstract

The subsidized fertilizer program is a strategic government policy to increase agricultural productivity and farmer welfare through input cost efficiency. This study aims to analyze the impact of the subsidized fertilizer program on production levels and farmer incomes in farmer groups in Menaming Village. Respondents in this study were farmer groups (Gapoktan) comprising three groups: Jaya Makmur, Adil Makmur, and Jagoan Subur. The analytical method used was quantitative descriptive analysis, calculating total costs (Total Cost), total revenue (Total Revenue), net income, and farming efficiency using the R/C Ratio.The results showed that the average land ownership of the respondent farmers was 1.56 hectares, with an average productivity of 3,200 kg per hectare. The subsidized fertilizer program had a significant impact on production by ensuring the availability of nutrients at affordable prices for farmers. From an economic perspective, the use of subsidized fertilizer successfully reduced production costs to Rp 6,826,250 per hectare, resulting in a net income of Rp 1,000,000 per hectare. 13,013,750 per hectare with a selling price of Rp6,200/kg of unhusked rice. The R/C ratio obtained was 2.9, indicating that farming in Menaming Village is very feasible and profitable. The conclusion of this study is that the subsidized fertilizer program significantly increased production volume and farmer income in Menaming Village, although its effectiveness still needs to be supported by timely distribution.

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