cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Abdullah
Contact Email
abdullahkhudori62@gmail.com
Phone
+6283117646123
Journal Mail Official
contact.jurnalreturn@gmail.com
Editorial Address
STAI Kuningan Jalan Raya Susukan, Cipicung, Kuningan, Jawa Barat
Location
Kab. kuningan,
Jawa barat
INDONESIA
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 332 Documents
 30   31   32   33   34 
Implementation of Competency-Based Performance Management System for Employees of PLTMG MPP Manokwari 2 Dedi, Selmi; Astuti, Windhi; Lotte, Luckhy Natalia Anastasya; Saptomo, Yulius Heri
Return : Study of Management, Economic and Bussines Vol. 5 No. 3 (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.v5i3.445

Abstract

Human resources are a major factor in determining organizational success. Competency-based performance management is essential as it connects employees' knowledge, skills, and attitudes to the achievement of strategic organizational goals. PLTMG MPP Manokwari 2, as an electricity provider in West Papua, faces significant human resource challenges, including employees working outside their fields of expertise, which impacts suboptimal performance achievement. This study aims to analyze the implementation of a competency-based performance management system for employees at PLTMG MPP Manokwari 2 in Manokwari Regency. The research employed a qualitative descriptive approach with data collected through observation, interviews, questionnaires, and documentation. Data analysis used the Miles & Huberman model (data reduction, data display, and conclusion drawing) and SWOT analysis to map strengths, weaknesses, opportunities, and threats. The findings indicate that performance planning, communication, and competency development have been applied relatively well, although competency measurement remains general and not detailed. SWOT analysis identified strengths in human resource quality and management support, weaknesses in competency indicators, opportunities from energy policy and technology, and threats from budget constraints and rigid work culture. The study concludes that competency-based performance management is being implemented but requires stronger indicators and more sustainable HR development programs.
Optimizing Sales Strategies in Financing Institutions Through Machine Learning–Based Next Best Offer Recommendation Soesilo, Daniel Gunawan; Susilo, Benny Setiawan; Setyobudi, Wahyu Tri
Return : Study of Management, Economic and Bussines Vol. 5 No. 3 (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.v5i3.444

Abstract

Digital transformation in the financial services industry makes companies use more data for decision-making. One example is the use of a Machine Learning–based Next Best Offer (NBO-ML) system to help increase sales performance. This study looks at how Data Quality, Model Interpretability, Organizational Readiness, and Privacy Concerns affect the performance of the NBO-ML system and how this system enhances Sales Effectiveness. This research uses a quantitative method and collects data from internal employees who are involved in developing and using the NBO-ML system. The results show that Model Interpretability and Organizational Readiness are very important for improving NBO-ML performance. This means the model must be clear and easy to understand, and the organization must be ready to adopt AI technology. On the other hand, Data Quality and Privacy Concerns do not directly affect system performance, suggesting that these factors may operate in different ways. The performance of the NBO-ML system strongly influences Sales Effectiveness and acts as a bridge between technological factors and business outcomes. Overall, this study shows that explainable models and Organizational Readiness are critical for deriving business value from machine learning–based recommendation systems in the financial services industry.
AnalysisAnalysis of Gold Price Fluctuations in Indonesia in the Third Quarter of 2025 of Gold Price Fluctuations in Indonesia in the Third Quarter of 2025 Magfiroh, Diana; Komarudin, Komarudin
Return : Study of Management, Economic and Bussines Vol. 4 No. 10 (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.v4i10.448

Abstract

This study examines the fluctuations of domestic gold prices in Indonesia during the third quarter of 2025, which were influenced by complex interactions between global and domestic macroeconomic factors. Gold plays a crucial role as an investment instrument and hedge asset, making it important to understand the determinants of its price movements, particularly in emerging markets such as Indonesia. This research aims to analyze the influence of external factors, including world gold prices, rupiah exchange rates, global inflation, and global interest rates, on domestic gold price fluctuations. This study employs a quantitative approach using time series data for the period July–September 2025. The analysis methods include multiple linear regression (OLS) to examine the simultaneous effects of variables, the GARCH model to analyze volatility patterns, and the Granger causality test to identify causal relationships among variables. The results indicate that world gold prices and rupiah exchange rates have a significant and dominant influence on domestic gold prices, while global interest rates also show a meaningful effect. In contrast, global inflation does not have a significant direct impact. Furthermore, gold price volatility exhibits a clustering pattern, indicating that periods of high volatility tend to be followed by similar conditions. In conclusion, domestic gold price movements in Indonesia are strongly driven by external macroeconomic factors, particularly global gold prices and exchange rate dynamics. This study contributes to the literature by integrating regression, volatility, and causality analysis within a specific quarterly context. The findings imply that investors and policymakers should closely monitor global economic indicators to manage risks and formulate effective strategies in responding to gold market fluctuations
The Effect of Geographic Expansion Strategy and Fintech Integration on Operational Efficiency and Business Scalability of On-Demand Service Platform Companies (A Study of Gojek and Grab in Indonesia) Sutrisna, Dwi Winahyo
Return : Study of Management, Economic and Bussines Vol. 5 No. 3 (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.v5i3.449

Abstract

Background: The rapid growth of on-demand service platforms in Indonesia, particularly Gojek and Grab, has transformed the digital economy landscape. However, the strategic mechanisms through which geographic expansion and fintech integration jointly influence operational efficiency and business scalability remain underexplored. Objective: This study analyzes the impact of geographic expansion strategies and fintech integration on the operational efficiency and business scalability of on-demand service platform companies in Indonesia, focusing on Gojek and Grab. Methods: The research employs a systematic literature review approach, synthesizing findings from academic journals, industry reports, and official documents. The analysis integrates literature on geographic expansion, two-sided platforms, fintech ecosystems, and digital business scalability. Results: The findings reveal that rapid expansion supported by disruptive technology has enabled both platforms to enter new markets, strengthen their economic contribution, and transform consumer behavior. Fintech integration through services such as GO-PAY, OVO, and GrabPay significantly improves operational efficiency through accelerated transactions, expanded financial access, and digital process automation. Furthermore, the development of digital ecosystems and innovative collaboration between fintech providers and digital banks enhances business scalability and sustainability. Conclusion: This study concludes that strategic geographic expansion and fintech integration are mutually reinforcing drivers of platform competitiveness. The findings underscore the importance of ecosystem development and digital infrastructure in supporting the growth of the on-demand services industry in Indonesia. The research contributes theoretically to digital platform literature and offers practical implications for platform managers and policymakers.
The Impact of Dynamic Capabilities on Digital Transformation: A Study in “A” Conglomeration’s Non-Bank Financial Institutions Fiona, Fiona; Pambudi, Aloysius Anandyo; Wahyudi, Samuel Dicsky; Maulida, Mira
Return : Study of Management, Economic and Bussines Vol. 5 No. 3 (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.v5i3.450

Abstract

This study investigates how dynamic capabilities influence digital transformation within the Non-Bank Financial Institutions (NBFIs) sector of the “A” conglomerate. In Indonesia’s financial industry, digital transformation has become a strategic priority, but organizations still face several obstacles, including high technology investment costs, difficulties in adapting to digital systems, and regulatory compliance requirements. The research applies the Dynamic Capabilities (DC) framework together with the Technology-Organization-Environment (TOE) framework to analyze how both internal and external factors affect the implementation of digital transformation in NBFIs. The results show that technological capability and innovation play a major role in driving digital transformation, while organizational capability strengthens innovation development. In contrast, ecosystem capability and governance, risk, and compliance (GRC) factors do not demonstrate a significant influence. Overall, the findings offer useful insights for NBFIs in designing and implementing more effective digital transformation strategies.
Strategic Leadership Transformation through the Integration of Artificial Intelligence in Organizational Decision Systems: A Comparative Study on Technology Companies in Indonesia Vika Fransisca; Wahyu Eko Saputro
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.v5i1.453

Abstract

The development of Artificial Intelligence (AI) technology has driven transformation in various aspects of the organization, including in strategic leadership roles and patterns. In the midst of the digital acceleration that has occurred in Indonesia's technology sector, organizational leaders are required to be able to integrate AI in the strategic decision-making process to remain adaptive and competitive. This study aims to analyze how strategic leadership transformation occurs through AI integration, as well as compare its approaches across five technology companies in Indonesia. The approach used is a mixed methods with a sequential explanatory design, involving 100 quantitative respondents and 10 qualitative informants from the managerial and executive levels. The results show that the integration of AI in strategic decisions is still limited to a small percentage of companies and is highly dependent on digital literacy, leadership style, and organizational cultural readiness. Leaders who are adaptive to technology demonstrate the ability to optimize AI as a strategic partner, not just a technical tool. In addition, organizations with open structures and collaborative cultures are experiencing data-driven leadership transformations faster. The research also produced a conceptual model that illustrates the linkages between leadership, AI, and organizational readiness as a framework for sustainable digital transformation. The findings are expected to be a reference both practically and theoretically for the development of strategic leadership in the era of artificial intelligence.
The Effects of Risk and Credit Growth on the Stability of Regional Development Banks Eunike Roulina, Permata; Zakaria, Adam; Yusuf , Muhammad
Return : Study of Management, Economic and Bussines Vol. 5 No. 4 (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.v5i4.451

Abstract

Bank stability plays a crucial role in maintaining financial cooperation functions and supporting regional financial systems resilience Regional Development Banks (RDBs) in Indicators serve as key institutions in regional financing economic activities. Therefore, their stability is closely related to risk management and credit intermediation performance. This study aims to examine the effect of liquidity risk, credit risk, operational risk, profitability risk, and credit growth on the stability of Regional Development Banks in Indicators Banking risks are proxied by Loan to Deposit Ratio (LDR), Non- Performing Loans (NPL), Operating Expenses to Operating Income (BOPO), and Net Interest Margin (NIM), when bank stability is measured using the Z- score indicator This study employs a quantitative approach with regional Development Banks as the unit of analysis over the 2020–2023 period Panel data analysis is applied to evaluate both partial and simultaneous effects of the independent variables on bank stability. Thie results indicates that banking risk varies affect bank stability differently NPL and BOPO negatively influence bank stability, while NIM has a positive and significant effect LDR, representing financial intermediation and credit growth activities contributions to bank stability within the simultaneous model Collectively LDR, NPL, BOPO, and NIM significantly influence the stability of Regional Development Banks. The findings highlight the importance of integrated risk management and balance credit expansion strategies to maintain sustainable stability in regional banking institutions
A Strategic Budgeting Model and Development Strategy for Private Universities: A Study of the Toraja Indonesian Christian University Pasoloran, Oktavianus; Matasik, Ade Lisa
Return : Study of Management, Economic and Bussines Vol. 5 No. 4 (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.v5i4.452

Abstract

This research aims to develop an integrated strategic budgeting model for Private Universities (PTS) with a case study at the Indonesian Christian University of Toraja. Although UKI Toraja has implemented a digital financial system and activity-based budgeting (ABB), the relationship between budget allocation and strategic objectives has not been fully identified as required in performance-based budgeting (PBB). This study uses a qualitative approach through document analysis, in-depth interviews, and observation of the budgeting process to examine the characteristics of the current budgeting system and the internal-external factors that affect it. The results show that UKI Toraja has a good financial system foundation, but still needs to strengthen performance indicators, consolidate cross-unit planning, and results-based evaluation mechanisms. These findings are the basis for formulating an integrated strategic budgeting model that synergizes ABB, UN principles, and institutional development directions. The novelty of the research lies in the thorough integration between the budgeting system and the institutional strategy designed according to the context of Indonesian private universities. The resulting model is expected to be a reference for private universities in increasing the effectiveness of resource allocation and achieving strategic goals.
The Impact of the Requirement to Implement a Business Management System for Ship Agency Activities in Accordance with Circular Letter No. SE-DJPL 10 of 2025 on the Performance of Ship Agency Service Providers at Labuan Bajo Port Rohmah, Nur; Taufikurrahman, Moh. Rafli; Adhi Prasetianto, Torie
Return : Study of Management, Economic and Bussines Vol. 5 No. 4 (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.v5i4.455

Abstract

The Ministry of Transportation issued Circular Letter of the Director General of Sea Transportation Number SE-DJPL 10 of 2025 concerning the obligation to fulfill Business Management System (SMU) document requirements for ship agency business actors. The purpose of this study is to determine the effectiveness of the Business Management System for ship agency business activities in accordance with Circular Letter Number SE-DJPL 10 of 2025 concerning the obligation to fulfill Business Management System (SMU) documents for ship agency business actors on the performance of ship agency service providers at the Port of Labuan Bajo, as well as to assess the impact of this obligation on their performance. This study employs a mixed-method approach, combining qualitative and quantitative methods through data collection techniques such as observation, interviews, documentation, and questionnaires. Data were analyzed using descriptive qualitative methods and SmartPLS, with triangulation of techniques and sources applied to enhance data validity. The results of this study indicate that the implementation of Business Management System (SMU) documents in accordance with Circular Letter Number SE-DJPL 10 of 2025 is effective in improving the performance of ship agency service providers at the Port of Labuan Bajo.
The Role of Public Investment in Driving Economic Growth in Developing Countries Rinaldy, Rio; Soleman, Aji; Firnanto, Alfin; Setiawati, Nur Syahrani; Rahmayani, Vani
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

Abstract

Public investment is one of the main instruments of fiscal policy in encouraging economic growth in developing countries. However, its effectiveness often shows results that vary between countries. This study aims to analyze the role of public investment in economic growth by emphasizing the aspects of investment amount, management efficiency, and expenditure composition. The approach used is qualitative descriptive by utilizing secondary data from several developing countries. The results of the analysis show that countries with higher levels of public investment tend to have better economic growth, although the relationship is not linear. Investment management efficiency has proven to be a key factor that determines success, where countries with higher levels of efficiency are able to produce more optimal growth. In addition, the composition of investment also plays an important role, especially the allocation in the infrastructure sector which correlates with an increase in economic performance. These findings confirm that the success of public investment is not only determined by the size of the budget, but also by the quality of management and the accuracy of allocation. Therefore, fiscal policies in developing countries need to be focused on improving the efficiency and quality of public spending to achieve sustainable economic growth.

Page 33 of 34 | Total Record : 332

 30   31   32   33   34 

Filter by Year

2022 2026


Reset
Filter By Issues
All Issue Vol. 5 No. 4 (2026): Return: Study of Management, Economic and Business Vol. 5 No. 3 (2026): Return: Study of Management, Economic and Business Vol. 5 No. 2 (2026): Return: Study of Management, Economic and Business Vol. 5 No. 1 (2026): Return: Study of Management, Economic and Business Vol. 4 No. 12 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 11 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 10 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 9 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 8 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 7 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 6 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 5 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 4 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 3 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 2 (2025): Return: Study of Management, Economic and Business Vol. 4 No. 1 (2025): Return: Study of Management, Economic And Bussines Vol. 3 No. 12 (2024): Return: Study of Management, Economic And Bussines Vol. 3 No. 11 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 10 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 9 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 8 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 7 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 6 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 5 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 4 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 3 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 2 (2024): Return : Study of Management, Economic And Bussines Vol. 3 No. 1 (2024): Return : Study of Management, Economic And Bussines Vol. 2 No. 12 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 11 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 10 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 9 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 8 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 7 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 6 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 5 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 4 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 3 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 2 (2023): Return : Study of Management, Economic And Bussines Vol. 2 No. 1 (2023): Return : Study of Management, Economic And Bussines Vol. 1 No. 4 (2022): Return : Study of Management, Economic And Bussines Vol. 1 No. 3 (2022): Study Of Management, Economic And Bussines Vol. 1 No. 3 (2022): Return : Study of Management, Economic And Bussines Vol. 1 No. 2 (2022): Return : Study of Management, Economic And Bussines Vol. 1 No. 1 (2022): Return : Study of Management, Economic And Bussines More Issue