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Return : Study of Management, Economic and Bussines
Published by PT. Publikasiku Academic Solution
ISSN : 29640121     EISSN : 29633699     DOI : 10.57096
Core Subject : Economy,
Economics, Econometrics & Finance
The Journal RETURN is a double blind peer-reviewed academic journal and open access to social and scientific fields. The journal is published monthly by PT. Publikasiku Academic Solution. The Jurnal RETURN provides a means for sustained discussion of relevant issues that fall within the focus and scopes of the journal which can be examined empirically. The journal publishes research articles covering all aspects of social sciences, ranging from Economic, management and Bussines. Published articles are articles from critical and comprehensive research, studies or scientific studies on important and current issues, or reviews of scientific books
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 326 Documents
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The Influence of Digital Promotion and Lifestyle on Impulse Buying Behavior Among Millennial Users Of Tokopedia Paylater in Surabaya City Nur Sholihah, Deviana; Prima Rini, Hesty
Return : Study of Management, Economic and Bussines Vol. 4 No. 12 (2025): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v4i12.424

Abstract

This study aims to analyze the influence of digital promotion and lifestyle on impulse buying, as well as to test the role of financial literacy as a moderating variable in the millennial generation of Tokopedia PayLater users in Surabaya City. The research method uses a quantitative approach , with a problem-solving approach and data collection techniques using cluster techniques. Data analysis was carried out using SMARTPLS 4.0, due to the infinite population, so the researcher used the Lemeshow formula (1997) to determine a sample of 165 respondents with an infinite population of Tokopedia PayLater users. The results of the study indicate that digital promotion and lifestyle have a significant positive effect on impulse buying. Financial literacy is also proven to influence impulse buying and plays a moderating role in the relationship between digital promotion and lifestyle on impulse buying, although with varying moderating strengths. These findings indicate that financial literacy plays an important role in controlling impulsive buying behavior amidst the intense digital promotion and consumptive lifestyle of the millennial generation. This study is expected to be a reference for e-commerce platforms, policy makers, and users in improving wiser consumption behavior in the digital era.
The Effect of Financial Literacy on Investment Decisions with Financial Wellbeing as a Mediating Variable (A Study on Cryptocurrency Investors in Bali Province) Alghani, Akmalluddin; Wiksuana, I Gusti Bagus
Return : Study of Management, Economic and Bussines Vol. 5 No. 1 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i1.426

Abstract

Cryptocurrencies have emerged as a volatile yet increasingly popular investment vehicle worldwide, attracting millions of retail investors despite significant price fluctuations and limited regulatory frameworks. Understanding the factors that drive investment decisions in this high-risk context is critical for both investor protection and market stability. The purpose of this study is to examine the effect of financial literacy on investment decisions mediated by financial well-being in Bali Province. The population in this study consists of all investors who have invested in cryptocurrency in Bali Province. The sampling method used in this study is nonprobability sampling, with a total sample size of 345 respondents. The analysis technique used in this study is PLS-based SEM. The results show that financial literacy has a positive and significant effect on investment decisions. Financial well-being acts as a partial mediator in the relationship between financial literacy and investment decisions among cryptocurrency investors in Bali Province. The theoretical implications of this study provide empirical contributions regarding the relationships among financial literacy, financial well-being, and investment decisions, advancing financial behavior theory. The practical implications are that cryptocurrency investors can improve their financial literacy and financial well-being to enhance their investment decisions, and cryptocurrency exchanges can provide insights about cryptocurrencies to investors to support better decision-making.
The Role of Brand Image in Mediating the Effect of Social Media Marketing and Electronic Word of Mouth on Purchase Decisions (A Study on Uniqlo Product Buyers in Bali Province) Sucitha, I Gede Adi; Seminari, Ni Ketut; Giantari, I Gusti Ayu Ketut; Widagda, I Gusti Ngurah Jaya Agung
Return : Study of Management, Economic and Bussines Vol. 5 No. 1 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i1.427

Abstract

Abstract: In the competitive fashion industry, Uniqlo's fluctuating performance during the 2021–2024 period and preliminary survey results indicating low purchase decisions in Bali highlight the importance of strengthening the factors that influence consumer purchasing decisions. This study aims to examine the effect of social media marketing and E-WOM on purchase decisions on Uniqlo brand product buyers in Bali Province, with brand image as a mediating variable. The research was conducted among consumers in Bali who had previously purchased Uniqlo products. A total of 135 samples were obtained using purposive sampling. Data were collected through an online questionnaire and analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The results reveal that social media marketing and E-WOM exert a positive and significant influence on purchase decisions. Furthermore, both variables also demonstrate a positive and significant impact on brand image. Brand image, in turn, is found to significantly affect purchase decisions and serves as a mediating variable in the relationship between social media marketing, E-WOM, and purchase decisions. Based on these findings, it is recommended that the company optimize its social media marketing strategy by delivering engaging and interactive content, as well as encouraging the spread of positive E-WOM across various online platforms. The brand image can be strengthened by emphasizing product quality, modern design, comfort, and affordable pricing.
The Influence of Intellectual Capital in Enhancing Sharia Performance in Islamic Banks with ESG as a Mediating Variable (A Study of Islamic Banks in Asia) Khanifah, Khanifah; Rohman, Abdul; Isgiyarta, Jaka
Return : Study of Management, Economic and Bussines Vol. 5 No. 1 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i1.428

Abstract

Ideally, Islamic banks require a distinct performance assessment methodology from conventional banks due to transcendent elements. The deconstruction of sharia performance employed the epistemological procedure of the burhani mindset, involving logical analysis of qauliyah and qauniyah verses aligned with sharia purposes, yielding a sharia performance measure. In the IT era, human resource optimization and ESG practices drive company performance. This quantitative study examined intellectual capital's effect on improving sharia performance in Islamic banks, with ESG as mediator. Using purposive sampling, it gathered 126 observations from 18 Islamic commercial banks across eight Asian countries (2017–2023). Data from official websites and Bloomberg were analyzed via path analysis. Findings: Intellectual capital negatively affected sharia performance and ESG, though long-term investments eventually boost environmental awareness and sharia compliance. ESG positively influenced sharia performance, aligning maqashid sharia with SDGs. ESG partially mediated the intellectual capital–sharia performance relationship, with the indirect path lower yet significant compared to the direct path. 
Regulation of Capitalization and Supervision in the General Insurance Industry: a Comparative Analysis of Indonesia and Hong Kong Pusparini, Citra; Anton Lie, Antonius; Widiatmoko, Ari
Return : Study of Management, Economic and Bussines Vol. 5 No. 1 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i1.430

Abstract

This article presents a comparative analysis of capital regulation and supervision in the general insurance sector in Indonesia and Hong Kong, and assesses their implications for industry resilience and policyholder protection. The study employs a comparative qualitative design, combining document analysis of key regulations (POJK, UU P2SK, HKRBC, HKIA guidelines) and semi-structured interviews with regulators, industry players, and experts, which are then analyzed thematically using a comparison matrix. Indonesia has strengthened industry resilience primarily through gradual increases in minimum nominal capital and market consolidation, while Hong Kong relies on the Hong Kong Risk-Based Capital (HKRBC) framework that links capital requirements directly to each company's risk profile. In terms of supervision, the Financial Services Authority (OJK) implements Risk-Based Supervision (RBS), which is still in the capacity-building phase, while the Hong Kong Insurance Authority (HKIA) has integrated the three pillars of HKRBC—quantitative capital, Enterprise Risk Management (ERM) and governance, and disclosure—into its mature risk-based and group-wide supervision regime. The study concludes that systematically strengthening the capital and supervisory frameworks in both jurisdictions adds layers of protection and improves governance, but also requires structural readiness, quality human resources, and adaptability at both the firm and regulatory levels. Key lessons from Hong Kong for Indonesia include the need for a clear roadmap to a deeper risk-based regime, strengthening ERM and key governance functions, and leveraging data and interagency collaboration to support effective and sustainable supervision.
Analysis and Interpretation of Customer Lifetime Value Insmall and Medium Enterprise Business Sustainability Strategies Cahyani, Yuanisa Risqi; Kwarto, Febrian
Return : Study of Management, Economic and Bussines Vol. 5 No. 2 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i2.442

Abstract

This study aims to analyze the Customer Lifetime Value (CLV) and its significance as the foundation for formulating business sustainability strategies in traditional herbal (jamu) micro and small enterprises (MSMEs). A mixed-method approach with a sequential explanatory design was employed: the quantitative phase calculated CLV using the RFM method from 30 active customers, followed by a qualitative phase involving in-depth interviews with 6 informants (business owner, sales representative, and customers). The results show that several product categories have the highest CLV and contribute the most to revenue. The interviews reveal that customer loyalty is influenced by trust in the benefits of herbal products, product quality, and the close relationship between the owner and customers. The findings lead to sustainability strategies that focus on high-value customer segments through customer retention efforts, simple transaction recording, and gradual digitalization of marketing activities. This study demonstrates that CLV can serve as a strategic tool to support business sustainability in traditional jamu MSMEs.
Analysis Of The Effect Of World Coffee Prices, Exchange Rates, Foreign Direct Investment, Inflation, And Coffee Production On The Value Of Coffee Exports In Indonesia Setiawan, Fadlan Ravi; Parianom, Raden
Return : Study of Management, Economic and Bussines Vol. 5 No. 2 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i2.433

Abstract

This study aims to analyze the effect of World Coffee Prices, Exchange Rates, Foreign Direct Investment (FDI), Inflation, and Coffee Production on the Value of Indonesian Coffee Exports during the period 2000–2023. This study uses annual secondary data obtained from the Central Statistics Agency (BPS), Bank Indonesia, the World Bank, CEIC, and the Ministry of Trade. The analysis method used is the Error Correction Model (ECM) to identify the influence of independent variables in the short and long term. The results show that World Coffee Prices do not have a significant effect on coffee export value, and Exchange Rates do not have a significant effect in either the short or long term. The FDI variable shows no significant effect in the short term but has a significant positive effect in the long term, proving that foreign investment has a structural impact on increasing coffee exports. Inflation shows no significant effect in both periods, indicating that changes in domestic price levels do not directly affect the value of coffee exports. Coffee production has no significant effect in the short or long term. Overall, the results of this study indicate that the dynamics of Indonesian coffee exports are more influenced by global market conditions, production quality, long-term investment, and the competitiveness of the national coffee industry.
Implementation Of Stunting Handling Program Policies At Posyandu Sartika, Kebarepan Village Sugiartini, Pegi; Hareyan, Enggit; Rahmadhina, Alifa S
Return : Study of Management, Economic and Bussines Vol. 4 No. 11 (2025): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v4i11.435

Abstract

Stunting is a chronic growth disorder that has an impact on children's physical and cognitive development. The Government of Indonesia stipulates Presidential Regulation Number 72 of 2021 concerning the Acceleration of Stunting Reduction as a national strategy that must be implemented at the village level. This study aims to analyze the implementation of stunting management program policies at Posyandu Sartika, Gamel Village, using George C. Edward III theory, which includes four variables: communication, resources, implementing disposition, and bureaucratic structure. The research uses a qualitative descriptive method with in-depth interview, observation, and documentation techniques. The results showed that the program had been implemented through activities such as weighing, nutrition education, and home visits. However, there are still obstacles such as the limited number of cadres, lack of advanced training, inadequate incentives, and the absence of a written SOP used as a reference for implementation. In conclusion, the implementation of the program has not been optimal in all aspects. Strengthening communication, increasing cadre capacity, providing appropriate incentives, and preparing SOPs are needed to increase the effectiveness of programs at the village level.
The Effect Of Esg On Firm Value: The Mediating Role Of Financial Performance And The Moderating Role Of Firm Size (Evidence From Manufacturing Companies Listed On The Indonesia Stock Exchange) Utama, Ade Dwi; Dewi, Sayu Ketut Sutrisna
Return : Study of Management, Economic and Bussines Vol. 5 No. 2 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i2.439

Abstract

Firm value reflects management’s success in creating shareholder wealth and represents market perceptions of a company’s long-term prospects. As attention to Environmental, Social, and Governance (ESG) practices continues to grow, ESG has increasingly been viewed as a factor that may influence firm value. However, prior empirical evidence on this relationship remains mixed. This study examines the effect of ESG on firm value by employing financial performance as a mediating variable and firm size as a moderating variable. The sample was selected using purposive sampling and consists of 45 manufacturing companies listed on the Indonesia Stock Exchange over a three-year observation period (135 firm-year). Data were analyzed using path analysis, the Sobel mediation test, and moderated regression analysis. The results indicate that ESG has a positive effect on firm value, while ESG does not significantly affect financial performance. Financial performance is found to positively influence firm value but does not mediate the relationship between ESG and firm value. In addition, firm size does not moderate the effect of ESG on firm value. These findings suggest that ESG influences firm value primarily through a direct relationship and remains consistent across different firm sizes.
Building a Research Ecosystem Based on Collaboration among ELT Students for Sustainable Technological Innovation Fadillah, Ega Nur; Huda, Nuha Nabila
Return : Study of Management, Economic and Bussines Vol. 4 No. 12 (2025): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v4i12.441

Abstract

This research aimed to formulate a research ecosystem model based on collaboration among ELT students that can foster innovation in the field of sustainable technology. Using a qualitative-descriptive approach, data were collected through literature studies, surveys, and in-depth interviews with students and education experts. The results showed that a collaborative research ecosystem involving ELT students across disciplines and institutions can enhance students’ innovation capacity and research skills while strengthening local technological competitiveness. Constraints in the development of this ecosystem include limited infrastructure support and resources, which can be addressed through educational policies that promote inter-campus collaboration and improve research facilities. This study concluded that building a research ecosystem based on ELT student collaboration is an effective strategy for fostering sustainable technological innovation and provides recommendations for universities and the government to facilitate the creation of an ecosystem that supports research collaboration. The findings imply that institutional commitment and cross-disciplinary synergy are crucial for translating student-led research into impactful, real-world sustainable solutions.

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