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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 305 Documents
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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.
Asset Pricing Analysis of Five Indonesian Banking Stocks Using the Capital Asset Pricing Model Dimas Sandy Styawan; Indah Nur Azizah; Arief Surya Lesmana
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.1999

Abstract

Investment decisions regarding stocks require consideration of the relationship between risk levels and expected returns. One approach for analyzing this relationship is the Capital Asset Pricing Model (CAPM), which enables investors to assess stock returns based on systematic risk. This study aims to analyze the pricing of five Indonesian banking stocks using the CAPM approach. The research sample consists of BBCA, BMRI, BBNI, BRIS, and BBRI stocks. The variables analyzed include stock beta, the risk-free interest rate, individual stock returns, and market returns. The results indicate that BBNI stock is undervalued, as its actual return exceeds the return estimated via CAPM. Conversely, BBCA, BMRI, BRIS, and BBRI stocks are classified as overvalued, as their actual returns are lower than the CAPM-estimated returns. The average beta value for all the stocks exceeds 1, indicating that they carry higher systematic risk than the market average. Based on these findings, CAPM serves as a useful analytical tool for evaluating the fairness of stock prices and supporting investment decision-making. BBNI stock is a potential candidate for investor consideration, given that its actual return is relatively higher than the return required under CAPM; meanwhile, the other stocks warrant further scrutiny, as their returns fall below CAPM estimates.
The Effect of Information Technology on Product Innovation and Business Sustainability as A Mediation of Blue Marketing Strategy in Processed Fish Products in Bengkalis Regency Kurniatul Fil Khoirin
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.2011

Abstract

This study investigates the effect of information technology on product innovation and business sustainability, with blue marketing strategy serving as a mediating variable among processed fish product SMEs in Bengkalis Regency, Indonesia. This research addresses the limited empirical evidence on sustainability-oriented marketing as a strategic mechanism linking digital transformation to long-term business performance in coastal-based SMEs. A quantitative approach was employed using a survey method, with data collected from 311 processed fish SMEs through structured questionnaires. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to examine both direct and indirect relationships among variables. The results indicate that information technology has a strong and significant positive effect on product innovation and business sustainability. Information technology also significantly enhances the adoption of blue marketing strategies. Furthermore, blue marketing strategy positively influences product innovation and business sustainability and partially mediates the relationship between information technology and both outcome variables. The structural model demonstrates substantial explanatory power, with R² values of 0.549 for product innovation, 0.481 for business sustainability, and 0.412 for blue marketing strategy. All constructs satisfy reliability and convergent validity criteria, and no multicollinearity issues are detected. Theoretically, this study extends the digital innovation and sustainability literature by positioning blue marketing as a strategic mediator in SME development. Practically, the findings provide policy-relevant insights for SMEs and local governments in promoting technology-driven and environmentally sustainable business strategies within the fisheries sector.
Pengaruh Pengetahuan dan Promosi terhadap Minat Menabung Masyarakat Kecamatan Sangatta Utara di Bank Syariah Indonesia (BSI) KCP Sangatta M. Rifani; Imrona Hayati; Totok Adhi Prasetyo
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.2014

Abstract

Islamic banking requires not only public understanding of its principles and products, but also marketing communication that is able to convert this understanding into intention to use services. This study aims to analyze the influence of knowledge and promotion, both partially and simultaneously, on people's interest in saving at Bank Syariah Indonesia (BSI) Sangatta Sub-Branch Office (KCP). The research uses an associative quantitative approach with field design. The study population amounted to 127 people of productive age on Jalan Hidayatullah RT 004, North Sangatta District, and a sample of 56 respondents was determined by the Slovin formula and accidental sampling. Data were collected through Likert scale questionnaires, observations, documentation, and supporting interviews, then analyzed using validity, reliability, classical assumptions, multiple linear regression, t-test, F-test, and coefficient of determination. The results showed that knowledge was positive but not significant to the interest in saving (B=0.176; t=0.958; p=0.342), while promotion had a positive and significant effect (B=0.572; t=3.857; p<0.001). Simultaneously, knowledge and promotion had a significant effect (F=42.635; p<0.001) with R²=0.617. Promotion makes an effective contribution of 49.42%, greater than knowledge of 12.28%. The findings confirm that the increase in interest in saving is not enough to rely on knowledge, but requires intensive, clear, relevant, and able promotion of Islamic banking information with the real needs of the community.
Pencatatan Akuntansi Retribusi Jasa Usaha Pada Disparbudpora Kabupaten Bengkalis Een Erlina; Mira Misissaifi; Ema Nirwana; Zakaria Batubara; Nurmahadi Nurmahadi; Ade Suhartini; Yesifiayeni Yesifiayeni
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.2016

Abstract

This study aims to analyze the accounting treatment (recognition, measurement, and disclosure) of the levy for business services for recreational and sports venues at the Tourism, Culture, Youth and Sports Office (Disparbudpora) of Bengkalis Regency, as well as evaluate its conformity with Government Regulation (PP) No. 71 of 2010 concerning Accrual-Based Government Accounting Standards (SAP). This study uses a qualitative descriptive approach. Primary and secondary data were collected through semi-structured interviews with 10 key informants (regulators, business actors, and academics), field observations, and documentation of financial statements for the period 2021 to 2023. Data were analyzed using the Miles and Huberman model which included data reduction, data presentation, and conclusion drawn. The results of the study show that the technical recording and presentation of accounting for recreational levies at the Bengkalis Regency Disparbudpora has been structurally organized through the Regional Government Information System (SIPD) and complies with Government Regulation No. 71 of 2010. However, there are critical gaps at the revenue recognition stage. Due to the non-use of the Levy Determination Letter (SKR), the income of the Operational Report (LO) is practically only recognized when the cash is received by the treasurer, not when the right to collect arises, thus reflecting a cash-based transition. In addition, structural challenges in the form of mismatches in human resource competencies cause periodic delays in journal input and cash deposits from sub-district UPT units. Theoretically, this study enriches the public sector accounting literature regarding the limitation of the implementation of accruals on highly volatile non-official assessment income. Practically, this research is a strategic evaluation material for local governments to optimize institutional coordination, enforce strict daily deposit rules, and reorganize the competence of financial personnel in order to maintain agency accountability.
The Influence of Location on the Decision to Buy Mixue Products in Greater Jakarta Siti Mabrur Rachmah; Taufik Akbar
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.2026

Abstract

This study aims to determine the influence of location on the purchase decision of Mixue products in the Greater Jakarta area, with a specific focus on the Tangerang region. A quantitative research approach was employed using primary data collected from 40 Mixue consumers through accidental sampling techniques. Data were analyzed using simple linear regression analysis, supported by classical assumption tests including normality, heteroscedasticity, autocorrelation, and multicollinearity tests, all processed using SPSS software. The findings reveal that location has a positive and significant effect on purchase decisions, with a regression coefficient of 0.671 and a significance level of 0.000 (p < 0.05). The coefficient of determination (R-Square) of 0.725 indicates that location alone explains 72.5% of the variance in purchase decisions, while the remaining 27.5% is influenced by other factors not examined in this study. Respondent profiles show that the majority of Mixue consumers in Tangerang are young females aged 21–30 years, with housewives constituting the largest occupational group. These findings underscore the critical importance of strategic location selection in driving consumer purchasing behavior, particularly in the competitive contemporary beverage industry. The study provides valuable practical implications for business practitioners and franchise partners in selecting optimal locations to maximize sales and market penetration. However, future research is encouraged to expand the sample size and incorporate additional variables such as price, product quality, promotion, and brand image to gain a more comprehensive understanding of purchase determinants.

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