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Economics and Business Journal
Published by PT. Maju Malaqbi Makkarana
ISSN : -     EISSN : 29637589     DOI : https://doi.org/10.47353/ecbis
Core Subject : Economy,
Economics, Econometrics & Finance
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 375 Documents
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The Effect of Trust, Income, and Life Style on Fashion Purchase Decisions Using Paylater Among Accounting Students at UPN “Veteran” East Java Nanda Evita Ramadhani; Sri Trisnaningsih
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.354

Abstract

This study aims to examine and analyze the effect of trust, income, and life style on fashion purchase decisions using paylater among Accounting students at UPN “Veteran” East Java. The background of this research is based on the rapid development of financial technology and e-commerce, which has influenced consumer behavior, particularly among university students, including their purchasing decisions for fashion products through paylater services. This phenomenon highlights the importance of understanding the factors that influence consumers’ decisions to use paylater services. This research employs a quantitative approach using primary data collected through a questionnaire distributed via Google Form. The sample consists of 72 respondents selected using a random sampling method. Data analysis was conducted using SPSS to test the relationships between variables. The results show that trust, income, and life style have a positive and significant effect on fashion purchase decisions using paylater. These findings are consistent with the Theory of Planned Behavior (TPB), which states that consumer behavior is influenced by attitudes, subjective norms, and perceived behavioral control.
The Effect Of Marketing Communication And Service Quality On Product Usage Decisions In Byond By BSI Mobile Banking Through Brand Image As A Mediation Variable: Systematic Literature Review (SLR) With Bibliometrics Esti Nurwulan; Budi Eko Soetjipto; Madziatul Churiyah
Economics and Business Journal (ECBIS) Vol. 4 No. 2 (2026): January
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i2.359

Abstract

The development of digital technology in the banking industry encourages banks to improve the quality of digital services to strengthen the decision to use products by customers. Mobile banking is one of the main innovations used to improve transaction efficiency and customer experience. This study aims to analyze the influence of marketing communication and service quality on product usage decisions in BYOND by BSI mobile banking with brand image as a mediating variable. The method used is Systematic Literature Review (SLR) combined with bibliometric analysis to identify research trends, relationships between variables, and the development of related studies in the scientific literature. The article selection process is carried out through several stages, namely identification, screening, eligibility, and inclusion based on the PRISMA protocol. The data source is obtained from a database of reputable international journals published in recent years and is relevant to the topics of digital marketing, service quality, brand image, and decisions to use digital banking services. The results of the study show that effective marketing communication and good service quality have an important role in forming a positive brand image, which can ultimately improve the decision to use mobile banking products by customers. Bibliometric analysis also shows an increase in research trends related to digital banking, customer experience, and brand perception in recent years. These findings provide strategic implications for banks in designing marketing communications and improving service quality to strengthen brand image and drive the adoption of mobile banking services.
The Role of Human Capital in Increasing Productivity and Growth of MSMEs: A Systematic Literature Review M.Ridho Saputra; Nurfitriana; Tedi Purnama; Immarotul Ummah; Relasari
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.361

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a very strategic role in the global economy as the backbone of the economy that contributes significantly to economic growth, improving the quality of human capital is a key factor in encouraging productivity and economic growth, including in the MSME sector. This research aims to identify, evaluate, and systematically synthesize empirical and conceptual findings related to the role of human capital in increasing the productivity and growth of MSMEs. This study examines the role of human capital in increasing productivity and growth for MSMEs using  the Systematic Literature Review (SLR) approach. A total of 30 indexed and peer-reviewed scientific articles  published in the period 2020 to 2026 were systematically analyzed by following the PRISMA guidelines. This study focuses on four main human capital instruments, namely Resource Based View, Dynamic Capability, and Value Co-Creation as fundamental elements in increasing productivity and growth for MSMEs. The results of the synthesis show that most of the studies identified a positive relationship around 80% of the studies analyzed identified a positive relationship between the application of human capital in increasing productivity and growth of MSMEs, both directly and through the role of mediation and moderation variables. However, not all studies show consistent results. The other 20% of articles showed non-positive results, which included insignificant, conditional, mixed, or negative findings
The Effect of PJU Quality, Environmental Security, Infrastructure Accessibility On Income Through Digital Innovation of MSMes in Balikpapan Yusri; Etty Soesilowati; Hadi Sumarsono
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.364

Abstract

This study aims to analyze the effect of Public Street Lighting (PSL) Quality, Environmental Safety, and Infrastructure Accessibility on MSME Income through Digital Innovation in Balikpapan City. A quantitative approach with an explanatory research method was used on a sample of 100 MSME actors selected using purposive sampling. The data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results of the study prove that Digital Innovation plays a significant mediating role. The quality of PJU, Environmental Safety, and Infrastructure Accessibility have a positive and significant effect on Digital Innovation, which in turn directly increases MSME Income. These findings underscore that improvements in physical infrastructure and environmental safety create an ecosystem conducive to the adoption of digital technology by MSMEs, which is a major catalyst for improving their economic performance. The implications of this study suggest the need for integrated policies that combine the development of smart public infrastructure (smart street lighting) with digital literacy and access programs for MSMEs in order to promote inclusive and sustainable local economic growth
The Effect Of Sales Promotion And Social Media Marketing On The Purchase Intention Of BSI Gold Products Through Perceived Value, Brand Awareness, Trust, And Customer Engagement As Mediation Variables: Systematic Literature Review (SLR) With Bibliometrics Nasihiyah Purwaning Wulan; Budi Eko Soetjipto; Madziatul Churiyah
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.365

Abstract

This study aims to analyze the influence of Sales Promotion and Social Media Marketing on the Purchase Intention of BSI Gold products by considering the mediating role of Perceived Value, Brand Awareness, Trust, and Customer Engagement in the Madiun Raya area. The method used is Systematic Literature Review (SLR) with a bibliometric approach to identify, categorize, and analyze the latest research trends related to factors influencing consumer purchasing decisions in the Islamic banking sector. The results of the analysis show that Sales Promotion and Social Media Marketing have a positive influence on Purchase Intention, either directly or indirectly through mediation variables. These findings underscore the importance of promotional strategies that are integrated with strengthening perceived value, building brand awareness, increasing trust, and managing customer interactions to drive consumer purchase decisions. This study provides theoretical and practical contributions to the development of marketing strategies for Islamic banking products, while offering further research directions using bibliometric methods to explore the relationship between digital marketing variables.
Financial Literacy, Lifestyle, And Parental Income On Financial Management Behavior With Self-Control As A Mediating Variable (Case Study of College Students in Malang City) Nadia Rahma Farikha; Farahiyah Sartika
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.372

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and parental income on financial management behavior, with self-control as an intervening variable among college students in Malang City. Using a quantitative explanatory research approach, data were collected through questionnaires from 160 respondents and analyzed using SEM-PLS. The results showed that financial literacy, lifestyle, and parental income had a positive and significant effect on financial management behavior. Furthermore, self-control also significantly influenced financial management behavior. However, self-control only mediated the relationship between parental income and financial management behavior, and was unable to mediate the influence of financial literacy and lifestyle. This indicates that college students' financial management behavior is more directly influenced by financial knowledge, lifestyle, and financial support from parents. This study implies that improving financial literacy and self-control needs to be strengthened to support better financial management.
Analysis Of The Influence Of Product Quality And Promotion & Reward Programs On Customer Loyalty Through Customer Satisfaction In Gold Savings Customers At BSI: Systematic Literature Review (SLR) With Bibliometrics Ayu Sukma Arsy Diana; Budi Eko Soetjipto; Madziatul Churiyah
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.373

Abstract

This study aims to analyze the influence of product quality and promotion and reward programs on customer loyalty through customer satisfaction in gold savings customers at Bank Syariah Indonesia (BSI) using the Systematic Literature Review (SLR) approach combined with bibliometric analysis. This study examines scientific articles published in the 2020–2025 range from various reputable databases such as Scopus, ScienceDirect, and Google Scholar. The literature selection process is carried out using the PRISMA method to ensure the quality and relevance of articles. A total of 75 selected articles were analyzed to identify patterns of relationships between variables, research trends, and existing research gaps. The results of the study show that product quality has a significant influence on customer satisfaction, especially through the aspects of security, transparency, and ease of access to gold savings products. In addition, promotional and reward programs have been proven to increase the perception of customer value which has a positive impact on satisfaction and loyalty. Bibliometric analysis reveals an increase in research trends related to customer loyalty in the Islamic banking sector, with a primary focus on digitizing customer services and experience. These findings strengthen the role of customer satisfaction as a crucial mediating variable in building customer loyalty. This research provides theoretical implications in the development of customer loyalty models in the Islamic financial sector as well as practical implications for BSI in designing marketing strategies and improving the quality of gold savings services.
The Effect of Financial Literacy and Lifestyle on Financial Management Behavior with Self-Efficacy as a Mediation Variable: A Study of Young Workforce in Tuban Regency Rifa Fatra Yahya Masruroh; Farahiyah Sartika
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.380

Abstract

This study aims to analyze the influence of financial literacy and lifestyle on financial management behavior, with self-efficacy as a mediating variable among young workers in Tuban Regency. This study employed a quantitative approach involving 160 respondents, and the data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) through SmartPLS 3. The results indicate that financial literacy, lifestyle, and self-efficacy have significant effects on financial management behavior. Financial literacy also significantly influences self-efficacy, while lifestyle does not have a significant effect on self-efficacy. Furthermore, self-efficacy is proven to mediate the relationship between financial literacy and financial management behavior, but it does not mediate the relationship between lifestyle and financial management behavior
Mapping the Role of Social Media Marketing in Purchase Decisions through Brand Trust: A Systematic Review and Bibliometric Analysis Titisari Ambarwati; Budi Eko Soetjipto; Madziatul Churiyah
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.381

Abstract

The rapid development of digital technologies has significantly transformed marketing practices and consumer behavior. In recent years, digital marketing, particularly through social media platforms, has become an essential strategy for firms to enhance consumer engagement and influence purchase decisions. Despite the growing body of literature, the relationships among social media marketing, brand trust, customer preference, and purchase decision remain fragmented across previous studies. Therefore, this study aims to provide a comprehensive overview of the research landscape and identify emerging trends in this field. This study employs a Systematic Literature Review (SLR) combined with bibliometric analysis to examine publications related to social media marketing, brand trust, customer preference, and purchase decision. Data were collected from the Scopus database covering the period from 2021 to 2026. Bibliometric mapping and keyword co-occurrence analysis were conducted using VOSviewer to identify research clusters, thematic structures, and the evolution of research topics. The findings reveal a significant increase in publications on social media marketing and consumer behavior, indicating growing academic interest in this domain. The bibliometric analysis shows that social media marketing acts as a central theme connecting key variables such as brand trust, customer preference, and purchase intention/decision. Furthermore, overlay visualization indicates that emerging research topics include consumer engagement, influencer marketing, electronic word-of-mouth (e-WOM), and perceived value, reflecting a shift toward a more integrated and experiential understanding of consumer behavior in digital environments. This study contributes to the literature by mapping the intellectual structure and research evolution in the social media marketing domain and highlighting potential directions for future research. The findings also provide insights for researchers and practitioners in developing more effective and trust-oriented digital marketing strategies to influence consumer purchase decisions
The Role of Tax Literacy in The 12% Vat Rate and Lifestyle on Purchasing Decisions Enggar Nursasi; Siti Munfaqiroh
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.382

Abstract

This study examines the effects of the VAT rate increase and lifestyle on purchasing decisions among consumers in the Malang area, with tax literacy as a moderating variable. An explanatory quantitative design was applied using PLS-SEM (SmartPLS 4.0) with 81 respondents selected through purposive sampling. The results indicate that VAT rate increase (β = 0.537; p = 0.000) and lifestyle (β = 0.285; p = 0.024) each have a significant positive effect on purchasing decisions. Tax literacy does not directly affect purchasing decisions (β = 0.066; p = 0.465), but functions as a significant moderator: it strengthens the effect of the VAT rate increase (β = 0.309; p = 0.037) while weakening the effect of lifestyle (β = −0.337; p = 0.031). These findings suggest that tax literacy may shift the basis of consumer decision-making toward a more rational-fiscal orientation, offering preliminary evidence for the value of tax education programs that address everyday consumption contexts

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