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Deddy Ibrahim Rauf
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ecbis.journal@gmail.com
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+6285299931836
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INDONESIA
Economics and Business Journal
ISSN : -     EISSN : 29637589     DOI : https://doi.org/10.47353/ecbis
Core Subject : Economy,
Economics and Business Journal (ECBIS) | ISSN (e): 2963-7589 is an international peer-reviewed, open access scientific journal dedicated to the advancement and dissemination of research results that support high-level research in the fields of Economics, Management and Business, this journal publishes articles six times a year in January, March, May, July, September, and November. The Journal is particularly interested in papers relevant to the whole economic and business issues, comprised of three salient disciplines: (1) economics, (2) business administration, and (3) accounting. These fields are furthermore divided into the following specific areas: Economics: Public Economics, International Economics, Development Economics, Monetary Economics, Financial Economics, Game Theory. Business : Finance, Marketing, Human Resource Management, Strategic Management, Operations, Entrepreneurship, and Ethics. Accounting: Public Sector Accounting, Taxation, Financial Accounting, Management Accounting, Auditing, and Information Systems. The aforementioned areas are just indicative, and the Board of Editors is in principle welcoming rigorous articles that encompass scientific economics and business fields.
Articles 20 Documents
Search results for , issue "Vol. 3 No. 6 (2025): September" : 20 Documents clear
Bridging The Digital-Physical Divide: Transfer Learning For Unified Threat Correlation in Converged IT/OT/IOT Ecosystems Dzreke, Simon Suwanzy
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.231

Abstract

The increased integration of operational technology (OT), Internet of Things (IoT), and business IT systems has allowed sophisticated attackers to circumvent isolated security features and launch cross-platform assaults. Current fragmented techniques, with discrete detectors monitoring Modbus, Kubernetes, MQTT, or other domain-specific protocols, cannot handle cross-system risks. These methodologies overlook 68% of multi-vector marketing that uses both physical and digital channels. This study introduces a transfer learning architecture to integrate detection capabilities by correlating threats across protocols, devices, and settings. The architecture generates a unified feature space that extracts behavioral semantics from industrial control system logs, cloud telemetry, network traffic, and device-level signals to produce protocol-agnostic threat representations. Adversarial domain adaptation and semantic graph embeddings enable cross-domain knowledge transfer with minimum retraining. Security teams may now discover kill chains like infected cloud containers preceding illegal PLC command execution every 23 minutes. Validated against real-world attack datasets from water treatment facilities (OT) and cloud infrastructure (IT), the system achieved 93.4% cross-platform attack recall, a 41.3 percentage point improvement over prior methodologies. It reduced OT data labeling by 89% and false positives by 93.5%. This paradigm shift transforms threat correlation from a reactive, domain-specific process to adaptive intelligence, boosting resilience for critical infrastructure, industrial ecosystems, and smart environments facing cyber-physical hazards. The framework's practical validation in energy, industry, and vital infrastructure shows its importance in protecting an increasingly linked world.
Beyond The Hype: a Real World Evaluation of Blockchain's Role in Democratizing Agri Food Systems Dzreke, Simon Suwanzy
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.232

Abstract

Blockchain technology is touted for democratizing supply chains, but 30–40% of smallholder farmers are excluded from fair market participation due to information gaps and power imbalances. The first complete empirical examination of blockchain's capacity to empower disadvantaged farmers in Global South agri-food systems. The paper examines 15 large-scale implementations, including Kenyan coffee cooperatives and Indian dairy collectives, using a rigorous mixed-methods methodology. Technical scalability in resource-limited situations, governance structures that promote meaningful multi-stakeholder engagement, and quantifiable inclusion results for small-scale farmers are thoroughly examined. Comparative case study, agent-based adoption modeling, and quasi-experimental effect evaluation by Propensity Score matching reveal that blockchain's potential is not automatic nor inherent in eight nations. Techno-institutional synergy, not technological complexity, improves democracy, the research shows. Hybrid governance systems with farmer-controlled validator nodes and tokenized decision-making rights enhanced smallholder involvement by 58% and premium retention by 78% over corporate-controlled systems. However, technologically sophisticated deployments without institutional expertise frequently increase power concentration and exclusion. The blockchain viability index helps identify optimal deployment conditions for different commodities, empirical evidence challenges the idea that decentralization automatically promotes inclusion, and the inclusion-by-design framework helps policymakers embed equitable principles into decentralized agri-tech from the start. This study shows food system digitization practitioners and scholars that genuine democratization occurs when technology drives institutional transformation.
Analysis of Lecturer Performance With Job Satisfaction as A Mediation Variable at Nazhatut Thullab Al-Muafa University, Sampang Maksum, Muhammad Iqbal; Nur, Dhani Ichsanuddin; Swasti, Ika Korika
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.243

Abstract

This study aims to analyze the influence of leadership and work motivation on lecturer performance, both directly and indirectly through job satisfaction as a mediating variable at Nazhatut Thullab Al-Muafa University, Sampang. This study used a quantitative approach with the SEM-PLS method. The study population was all 66 permanent and non-permanent lecturers, using a census method (total sampling). The primary theory underlying this study is Goal Setting Theory. This study used a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results show that leadership can contribute to lecturer performance. Work motivation contributes to lecturer performance. Leadership contributes to lecturer performance through job satisfaction. Similarly, motivation contributes to lecturer performance through job satisfaction. These findings theoretically sharpen and expand the concepts discussed, and practically can serve as guidelines for Nazhatut Thullab Al-Muafa University, Sampang, in improving lecturer performance, evaluating, and driving institutional progress.
The Role of Trust In Mediating Personal Selling and Customer Experience Towards The Decision To Save at BPR Syariah: Study at BPRS Baiturridha Pusaka-Bandung Hindun, Kiftiah; Anwar, Muhadjir; Purwanto, Sugeng
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.244

Abstract

This research is motivated by the importance of building customer trust inencourage customer interest and decisions to save regularly at BPR Syariah, especially through strengthening personal selling marketing communication strategies and positive service experiences. The main theory underlying this research is the Theory of Planned Behavior (TPB). This research aims to analyze (1) the influence of personal selling on saving decisions, (2) the influence of customer experience on saving decisions, (3) to determine whether trust mediates the relationship between personal selling and saving decisions, (4) to determine whether trust mediates the relationship between customer experience and saving decisions at BPRS Baiturridha Pusaka-Bandung. This study uses a quantitative approach through the Structural Equation Modeling–Partial Least Squares (SEM–PLS) method. The sample consisted of 120 active customer respondents of BPRS Baiturridha Pusaka-Bandung selected using a probability sampling technique through a simple random sampling approach, where each member of the population has an equal chance of being selected as a respondent. Data collection was carried out through the distribution of structured questionnaires and analyzed using Smart PLS software version 3.0. The results of the study show that (1) Personal Selling does not influence the decision to save (2) Customer Experience has a positive and significant influence on the Decision to Save (3) Trust is not proven to significantly mediate the relationship between personal selling and the decision to save (4) Trust is proven to significantly mediate the relationship between customer experience and the decision to save. These findings confirm that in the context of BPR Syariah, positive customer experience is the main factor in forming trust and driving savings behavior
Marketing Mix and Relationship Marketing on Customer Loyalty with Customer Satisfaction as a Mediation Variable at BPRS Botani Bina Rahmah Bogor Putra, Abdillah Jetha; Pertiwi, Tri Kartika; Ichsanuddin, Dhani
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.253

Abstract

Customer loyalty is an important aspect in maintaining the sustainability of BPRS amidst the increasingly tight competition in the Islamic financial industry. The objectives of this study are to analyze: (1) the influence of the marketing mix on customer loyalty, (2) the influence of relationship marketing on customer loyalty, (3) customer satisfaction mediates the influence of the marketing mix on customer loyalty, and (4) customer satisfaction mediates the influence of relationship marketing on customer loyalty. The sample of this study was 130 (one hundred and thirty) active customers of BPRS Botani Bina Rahmah Bogor, selected through a purposive sampling method with the criteria of having been a customer for at least six months. Primary data was collected through questionnaires, while analysis was conducted using the Partial Least Square (PLS) method with SmartPLS software version 4.0. The results of the study concluded that: (1) the marketing mix does not have a significant effect on customer loyalty, (2) relationship marketing has a significant positive effect on customer loyalty, (3) customer satisfaction is proven to mediate the effect of the marketing mix on customer loyalty, and (4) customer satisfaction also mediates the effect of relationship marketing on customer loyalty.
The Influence of Competence and Work Experience on The performance of The People's Economy Bank With Democratic Leadership as an Intervening Variable Yudiarsa, I Nyoman; Yuniningsih; Swasti , Ika Korika
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.242

Abstract

This study aims to analyze the influence of leadership and work motivation on lecturer performance, both directly and indirectly through job satisfaction as a mediating variable at Nazhatut Thullab Al-Muafa University, Sampang. This study used a quantitative approach with the SEM-PLS method. The study population was all 66 permanent and non-permanent lecturers, using a census method (total sampling). The primary theory underlying this study is Goal Setting Theory. This study used a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results show that leadership can contribute to lecturer performance. Work motivation contributes to lecturer performance. Leadership contributes to lecturer performance through job satisfaction. Similarly, motivation contributes to lecturer performance through job satisfaction. These findings theoretically sharpen and expand the concepts discussed, and practically can serve as guidelines for Nazhatut Thullab Al-Muafa University, Sampang, in improving lecturer performance, evaluating, and driving institutional progress. Kata Kunci: Leadership, Work Motivation, Job Satisfaction, Lecturer Performance
Collaboration Strategy Faculty of Economic and Bussiness Universitas Negeri Surabaya Indonesia to Become a Faculty With a Global Reputation Hardini, Han Tantri; Susanti; Rahmawati, Fitriana; Susilowati, Fitriah Dwi; Saputra, Irwan Adimas Ganda; Maula, Farij Ibadil
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.230

Abstract

This research aims to determine the form of cooperation development between the Unesa Faculty of Economics and Business and partners from various institutions both domestically and abroad in order to achieve a Faculty with a global reputation. The research method used is a qualitative method where data collection is carried out by conducting in-depth interviews, observation, documentation and Focus Group discussions. The results of this research show that the development of partnership cooperation between the Faculty of Economics and Business, Universitas Negeri Surabaya, Indonesia with domestic and foreign partners includes education, research and community service. Educational activities in the form of lecturer and student exchanges, seminars, proceedings, guest lectures, visiting lecturers/professors, curriculum benchmarking. Collaboration in the field of research takes the form of joint research, joint publication, joint editor and journal reviewer. Collaboration in the field of community service takes the form of outreach activities, training, mentoring and demonstration activities related to partner needs. So far this collaboration has shown a significant positive impact. The results of the research findings can add theoretical and methodological studies to the repertoire of scientific development regarding the study of the importance of collaboration in an organization, especially for higher education institutions. The contribution of this research adds to the study of the importance of cooperation, not only for the benefit of both parties but also for having an impact on the progress of institutions and society. Contribution for educational institutions, both formal and non-formal, to continue to build partnerships and to socialize the importance of cooperation to increase institutional progress, building more networks to strengthen cooperation. The practical implication of this research is that the Faculty of Economics and Business continues to strive for collaborative networks with the aim of increasing and strengthening collaboration networks in accordance with the vision and mission of the Unesa Faculty of Economics and Business. Priority programs in the context of achieving a global reputation can be used as main topics for collaboration with partners. This implication also adds to the study for educational and non-educational institutions that by collaborating, relationships are created to share knowledge, experience and resources to achieve common goals and contribute to the development of society and the nation.
Implications of Digitalization on Governance at Islamic People's Bank: Phenomenological Study at BPRS X Yulianti, Neneng Ina; Yuhertiana, Indrawati; Sundari , Siti
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.250

Abstract

Digital transformation at Islamic Rural Banks demands governance that is accountable, secure, and aligned with sharia principles. This study aims to map digital governance practices and formulate prerequisites for safe, compliant, and value-oriented implementation. Using a qualitative phenomenological approach and adopting an active participatory method, data were collected through in-depth interviews, document reviews, and observations with purposive sampling (management, DPS, IT/cybersecurity units, and customers). The analysis refers to the Miles & Huberman model (data reduction–data presentation–conclusion drawing); validity is maintained through source triangulation, member checking, and audit trails. The findings consolidate five key domains: (1) the role of DPS in digital decisions and ongoing supervision, (2) human resource capabilities and risk culture, (3) IT & cybersecurity architecture (data protection, incident response, business continuity), (4) risk management–compliance (synchronization of OJK–DSN–MUI guidelines), and (5) digital customer literacy and experience. The theoretical contribution integrates the Institutional, Accountability, and TAM/UTAUT perspectives to explain the drivers and barriers to adoption. Practically, a risk-based digital governance roadmap is developed that prioritizes cybersecurity governance, strengthening the role of the DPS through digital oversight, and data governance policies.
The Influence of Financial Literacy on Financial Behavior and Financial Management of MSME Actors In Pasar Village, Gunungsitoli District Lombu, Vivin Putri Hartaty; Hulu, Perlindungan Faebuadodo; Kakisina, Sophia Molinda; Gulo, Heniwati
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.249

Abstract

This study aims to analyze the influence of financial literacy on financial behavior and financial management in Micro, Small, and Medium Enterprises (MSMEs) in Pasar Village, Gunungsitoli District. The background of the study indicates that MSMEs have a crucial role in the Indonesian economy, but many MSMEs still face challenges in financial management due to a lack of financial literacy. This study used a quantitative approach by distributing questionnaires to 158 MSMEs in the area. The results of the analysis indicate that financial literacy has a positive and significant influence on both financial behavior and financial management of MSMEs. MSMEs with higher levels of financial literacy tend to exhibit healthier financial behaviors, such as the ability to manage expenses, create budgets, and save. Similarly, good financial literacy significantly improves MSMEs' abilities in planning, recording, reporting, and evaluating business finances. Multivariate analysis confirmed that financial literacy simultaneously significantly influences both aspects. The high coefficient of determination (80.7% for financial behavior and 83.7% for financial management) indicates that financial literacy is a dominant factor in explaining variation in both dependent variables.
The Influence of Competence, Reward System, and Training on the Performance of BPRS Executive Officers with Job Satisfaction as an Intervening Variable Kartiko, Cahyo; Yuniningsih; Purwanto, Sugeng
Economics and Business Journal (ECBIS) Vol. 3 No. 6 (2025): September
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i6.255

Abstract

This study aims to analyze the effects of competence, reward systems, and training on the performance of executive officers in Sharia Rural Banks (BPRS), with job satisfaction as an intervening variable. The primary focus is to assess the extent to which these factors influence executive performance within the context of Islamic microfinance institutions. Employing a quantitative, explanatory design, primary data were collected via a Likert-scale questionnaire and analyzed using structural equation modeling–partial least squares (SEM–PLS) with SmartPLS. The study population consists of executive officers of BPRS in Indonesia. Using purposive sampling, 121 responses were obtained from multiple BPRS across several regions. The results show that (1) competence has a positive effect on performance; (2) job satisfaction positively affects performance; (3) the reward system influences performance primarily through job satisfaction (partial/competitive mediation), while its direct effect on performance tends to be negative; and (4) training does not exhibit a significant effect on performance, and its indirect path via job satisfaction is not significant. These findings highlight the importance of strengthening competence and redesigning reward systems in alignment with executive expectations to enhance job satisfaction and performance.

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