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Fitra Rizal
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INDONESIA
Journal of Economics and Social Sciences
Published by CV. Civiliza Publishing
ISSN : 28305337     EISSN : 28305264     DOI : -
Core Subject : Economy, Science, Agriculture, Social,
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences
ournal of Economics and Social Sciences (JESS) is a peer-reviewed journal published twice a year (every June and December) by CV. Civiliza Publishing. Journal of Economics and Social Sciences (JESS) accepts original scientific papers that have never been published. The discussion in this journal includes: Economics; Business; Finance; Philanthropy; Social Science; Public; and others within the scope of economics studies. P-ISSN 2830-5337 E-ISSN 2830-5264. It is located at: Ponorogo East Java Indonesia. The scope includes theories and practices in the field of economics and Social Sciences. This includes but not limited to: Economics; Business; Finance; Philanthropy; Social Science; Public; and others within the scope of economics studies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 17 Documents
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Search results for , issue "vol. 5 no. 2 (2026)" : 17 Documents clear
Digital Marketing Strategies for Agribusiness SMEs in Enhancing Competitiveness and Consumer Purchase Decisions: A Phenomenological Study in Nganjuk Regency Moh. Rifqi Fauzi; Titin Yuni Astutik; Mohammad Alfa Rifhera Bintang; Meilina Tina Nurdiana
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1749

Abstract

The purpose of this study is to examine how digital marketing helps agricultural MSMEs in Nganjuk Regency become more competitive and influence consumer purchasing decisions. Interviews, observations, and documentation were used in a qualitative method with a phenomenological design. The results show that digital marketing may boost consumer trust, broaden market reach, improve product visibility, and boost company competitiveness. However, there are still issues with its implementation, including a lack of human resources and insufficient computer literacy. As a result, digital marketing transformation—achieved through ongoing processes of adaptation, learning, and the development of digital competencies—emerges as a critical approach for the sustainability of agribusiness MSMEs.
Valorization of Food Processing Cake Waste into Organic Fertilizer Using a Double-Molasses Biofermentation System Dwi Rizaldi Hatmoko; Agustin Patmaningrum; Ragil Retno Palupi; Andika Rahmawan; Rahmadi
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1838

Abstract

The increasing generation of agro-industrial food processing waste presents environmental challenges while offering opportunities for resource recovery within a circular bioeconomy. This study evaluated the conversion of food processing cake waste from PT Belfoods Indonesia (Nganjuk, Indonesia) into organic fertilizer using a double-molasses biofermentation system with beneficial microorganisms activated by fresh sugarcane juice and palm sugar. A longitudinal experimental approach was applied through three stages: raw material characterization, biofermentation, and mature fertilizer production. Physicochemical properties were analyzed using standardized laboratory methods, while fertilizer performance was assessed through a 14-day field bioassay. Biofermentation significantly improved fertilizer quality, increasing total nitrogen from 0.17% to 0.69% and available phosphorus (P₂O₅) from 60.47 mg kg⁻¹ to 5,264.77 mg kg⁻¹. The final product contained no detectable hazardous heavy metals, including arsenic, cadmium, mercury, lead, and tin, confirming its environmental safety. Field observations showed improved plant growth, characterized by darker green leaves, greater foliage density, and stronger stems after fertilizer application. These findings demonstrate that the proposed double-molasses biofermentation system effectively transforms food processing cake waste into a safe, nutrient-enriched organic fertilizer with promising agronomic potential, supporting sustainable waste valorization and circular agricultural production.
The Influence of Cashless Society, Lifestyle, and Financial Literacy on the Consumptive Behavior of Students in Kediri City Friska Resty Fandya; Angga Rizka Lidiawan; Dita Riyanto Putro
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1886

Abstract

The purpose of this study is to examine and evaluate how a cashless society, lifestyle, and financial literacy affect Kediri City students' purchasing habits. Using an explanatory design and a quantitative research approach, the population consisted of Kediri City university students who regularly use non-cash payment methods. Purposive sampling, a non-probability sampling approach, was used, resulting in a sample size of 100 respondents. Likert scale-based questionnaires were used to collect data. With the use of the SmartPLS software, SEM-PLS analysis was used to test hypotheses. The findings indicate that “the concept of a Cashless Society exerts a positive and statistically significant influence on student consumer behavior”. Similarly, Lifestyle demonstrates a significant and positive effect, while Financial Literacy also significantly impacts consumer behavior among students in Kediri City.
The Dynamics of the Implementation of the Digital Economy in MSMEs in Buleleng Bali: between Growth Opportunities and Adaptation Challenges Moh Fakhri Siddiqi; Yesi Sifaiyah
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1941

Abstract

The development of the digital economy has created various new opportunities for Micro, Small, and Medium Enterprises (MSMEs) in improving business performance and competitiveness. However, not all MSMEs are able to adapt optimally to the digital transformation that occurs. This study aims to analyze the dynamics of the implementation of the digital economy in MSMEs in Buleleng Regency, Bali, focusing on growth opportunities and adaptation challenges. The research uses a qualitative approach with phenomenological methods. Data collection was carried out through interviews, observations, and documentation of MSME actors in the trade, culinary, and handicraft sectors. Data analysis uses the Miles, Huberman, and Saldaña model which includes data reduction, data presentation, and conclusion drawn. The results of the study show that the implementation of the digital economy in MSMEs in Buleleng Regency is still relatively simple and dominated by the use of social media and marketplaces. Digital technology provides opportunities in the form of expanding market reach, increasing sales, ease of customer service, and business efficiency. However, MSME actors still face various challenges in the form of low digital literacy, limited technological capabilities, concerns about online transaction risks, and lack of digital training and assistance. Therefore, synergy is needed between the government and MSME actors to improve digital capabilities to support sustainable business growth.
Kolaborasi BUMDes dan Program CSR dalam Pemberdayaan Masyarakat: Studi pada Petani Kopi di Desa Baloi, Kabupaten Murung Raya Novri Amdani Saragih; Saputra Adiwijaya; Ida Bagus Suryanatha
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1944

Abstract

This study analyzes community empowerment through the collaboration between BUMDes Baloi Usaha Mandiri and the CSR program of PT Maruwai Coal in developing the coffee commodity “Kopi Baloi” in Tumbang Baloi Village, Murung Raya Regency. Using a qualitative case study guided by an integrated Asset-Based Community Development (ABCD), Creating Shared Value (CSV), and social capital framework, primary interview data were triangulated with the company’s social mapping report and development master plan (RIPPM). The findings show that the collaboration successfully mobilized five community assets into value-added products, including Kopi Baloi and “Baloi’s Signature” coffee-leaf tea. However, the study reveals a central paradox: strong bonding social capital and downstream production contrast with weak bridging social capital, caused by limited production scale, unstable quality standards, lack of business legality (SPP-IRT), and minimal digital-logistic access, leaving the marketing chain dominated by local middlemen. Theoretically, this shows that BUMDes-CSR synergy in mining-ring villages can mobilize assets without building the market-linking cluster CSV theory identifies as essential for shared value creation. Practically, the study recommends a three-pillar strategy: strengthening BUMDes governance and B2C marketing, CSR-facilitated B2B partnerships with a gradual exit strategy, and district government support for logistics infrastructure and licensing.
Digital Business Transformation in the Era of Artificial Intelligence: Strategies, Opportunities, and Challenges for Enhancing Business Competitiveness Ahmad Yahya Hamiduddin
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1946

Abstract

Digital business transformation in the era of Artificial Intelligence (AI) has become a key driver for enhancing business competitiveness amid increasingly intense global competition and rapid technological advancement. The implementation of AI enables organizations to optimize business processes through automation, advanced data analytics, personalized customer services, and data-driven decision-making. This article aims to examine strategies for implementing AI in digital business transformation, identify the opportunities available to business organizations, and analyze the challenges associated with AI adoption. The study employs a literature review method by analyzing relevant academic journals, books, and research reports on digital transformation and artificial intelligence. The findings indicate that AI implementation significantly improves operational efficiency, productivity, product and service innovation, and customer experience, thereby creating sustainable competitive advantages for businesses. However, AI adoption also faces several challenges, including limited digital infrastructure, high investment costs, a shortage of skilled human resources, data security concerns, and ethical issues related to AI utilization. Therefore, an integrated strategy involving digital infrastructure development, workforce capacity building, supportive government policies, and collaboration among businesses, academia, and technology providers is essential to ensure successful and sustainable AI-driven digital business transformation.
Organizational Behavior in the Satu Voice Student Activity Unit Hadrah Division at UIN Sayyid Ali Rahmatullah Tulungagung Haris Syamsuddin Haris; Nadia Zulfa Khoiriya; Safira Mardhotilah; Moh. Nurul Huda
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1947

Abstract

This study aims to analyze organizational behavior and work culture within the Satu Voice Student Activity Unit (UKM) Hadrah Division at UIN Sayyid Ali Rahmatullah Tulungagung, which serves as a platform for students to develop their talents in Islamic music and vocal performance. The study focuses on organizational dynamics, including communication patterns, leadership style, member behavior, and the work culture that shapes the organization's daily activities. The findings reveal that formal communication within the organization functions effectively and supports organizational coordination. However, informal communication among members remains relatively limited outside organizational activities, resulting in interpersonal relationships that tend to be functional rather than socially cohesive. In terms of leadership, the head of the organization adopts a democratic leadership style by encouraging members to express their opinions and participate in decision-making processes. Nevertheless, members' active participation in organizational activities remains suboptimal. Overall, the Satu Voice Hadrah Division has successfully established a well-structured organizational system that facilitates students' talent development. However, the organization continues to face challenges in enhancing member engagement and strengthening its organizational culture through the promotion of informal communication and greater social cohesion among its members.
Analysis of the Competence of Tour Leader Svarga Tour and Travel on the Smooth Departure Process of Umrah Pilgrims at Adi Soemarmo Airport Muhammad Fadhil Rodhianto; Aditya Dewantari
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1978

Abstract

The success of the Umrah pilgrims' departure process is influenced not only by the operational system of travel companies but also by the competence of Tour Leaders as the primary companions of pilgrims. Tour Leaders play an essential role in ensuring that each departure stage, from document verification to boarding procedures, is conducted effectively according to established standards. This study aims to analyze the competence of Tour Leaders in supporting the smooth departure process of Umrah pilgrims at Adi Soemarmo Airport, managed by Svarga Tour and Travel, as well as to identify the challenges faced by Tour Leaders and the obstacles experienced by pilgrims during the departure process. This study employed a descriptive qualitative approach. Data were collected through semi-structured interviews, observations, and documentation involving five purposively selected informants consisting of Tour Leaders, an Operational Manager, and Umrah pilgrims. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The results indicate that Tour Leader competence, including knowledge, communication skills, coordination abilities, problem-solving skills, and professional attitudes, significantly contributes to the smooth departure process of Umrah pilgrims. The main challenges include incomplete travel documents, schedule changes, late arrival of pilgrims, and differences in pilgrim characteristics. This study highlights the importance of Tour Leader competence as an operational factor in improving the effectiveness of Umrah departure services at airports.
Interpretation of Work Meaningfulness as a Trigger for Self-Driven Motivation in KSPPS Employees of KSPPS BMT Mandiri Sejahtera East Java Andini Ardy Margareta; Syuhada'; Intan Ayu
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1939

Abstract

This study examines how employees of KSPPS BMT Mandiri Sejahtera East Java interpret the meaning of their work and how these interpretations foster self-driven motivation. In Islamic microfinance institutions, work extends beyond economic objectives to encompass social and religious responsibilities, making work meaningfulness an important source of intrinsic motivation. This study employs a qualitative phenomenological approach. Data were collected through in-depth interviews, observation, and documentation involving employees of KSPPS BMT Mandiri Sejahtera East Java and analyzed using the Miles and Huberman interactive model, including data reduction, data display, and conclusion drawing. The findings indicate that employees perceive work as an act of worship, a trust, a form of community service, and a means of empowering the local economy. These interpretations are shaped by the interaction of personal values, organizational culture, leadership, and the social environment. Meaningful work encourages self-driven motivation, reflected in employees' initiative, responsibility, commitment, perseverance, and enthusiasm without relying primarily on external rewards. The study concludes that work meaningfulness is a key psychological foundation for developing sustainable intrinsic motivation in Islamic microfinance institutions. These findings contribute to the literature on meaningful work and provide practical insights for strengthening human resource management through the integration of organizational and Islamic values.
Peran Digital Banking Syariah dalam Meningkatkan Loyalitas Nasabah Generasi Milenial pada Bank Syariah Indonesia (BSI) dan Bank Muamalat di Kecamatan Sangatta Utara Zahrotun Ni'mah; Miftakhul Rizal Mubaidilla; Jamila Jamila
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 2 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1996

Abstract

Digital transformation has shifted Islamic banking services from branch-centred interaction to mobile, real-time, and self-service transactions. This study examines how Islamic digital banking strengthens millennial customer loyalty at Bank Syariah Indonesia (BSI) and Bank Muamalat in Sangatta Utara. A descriptive qualitative field-study design was employed from December 2025 to May 2026. Data were collected through in-depth interviews, observation, and documentation involving 14 purposively selected informants: twelve millennial customers and two bank employees. The data were reduced, thematically displayed, compared across sources, and verified through source, method, and time triangulation. The findings show that loyalty is shaped by the convergence of application ease, transaction speed, system security, feature relevance, responsive human service, trust, and perceived sharia compliance. Digital banking contributes to loyalty by reducing time and mobility costs, supporting twenty-four-hour transactions, and creating routine satisfaction. BSI emphasises an integrated feature ecosystem and direct product socialisation, whereas Bank Muamalat highlights transaction security, digital-channel education, feedback mechanisms, and understanding of system cut-off times. A distinctive finding is that repeated use does not always reflect strong attitudinal loyalty: payroll requirements or organisational arrangements may sustain behavioural use while customers still move funds to other banks. Therefore, Islamic banks should evaluate loyalty beyond transaction frequency by integrating reliability, customer education, transparent sharia communication, complaint recovery, and relationship quality. The study contributes local comparative evidence that Islamic digital loyalty emerges from functional value, security-based trust, and religious legitimacy rather than technological sophistication alone.

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