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Journal of Social Commerce
Published by Celebes Scholar pg
ISSN : 2809929X     EISSN : 28099303     DOI : https://doi.org/10.56209/jommerce
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Social Commerce with ISSN 2809-9303 (Online) and 2809-929X (Print) is an international journal published by Celebes Scholar pg. The Journal of Social Commerce aims at providing platform for scholars, researchers, practitioners, professors, and students to publish their literary work in the study of commerce. Journal of Social Commerce covers all theories and practice of commerce including Economy, Management, Accounting, Marketing, and Human Resources. Journal of Social Commerce publishes quarterly (March, June, September, December).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 83 Documents
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Motivation and Socially Embedded Career Development in Shaping Employee Engagement Riana, Anggie Dilla; Mahdi, Irfan
Journal of Social Commerce Vol. 4 No. 3 (2024): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v4i3.177

Abstract

This paper examines how career development and motivation can impact on engagement of employees in the public sector institutions and focuses on social mediation of such effects on development. Based on information acquired with the help of a well-designed survey tool and administered to civil servants; data that was then analyzed statistically by applying descriptive, correlational and inferential statistics, such as Pearson correlation and multiple linear regression, the results show a positive and robust value of motivation on the engagement in work with no statistically significant effect of career development. Nevertheless, the additional thematic interpretation indicates that this absence of statistical power can be explained by the deviance between the programmed developmental work and its social interpretation on social levels at the workplace. The paper talks about the centrality of social translation the way development programs are shared, justified and approved by peers and leaders in making career developing a social practice than a process. Motivation, on the same note, is also shown to be both a property of individuals and a process that is socially reinforced and more so in groups where there is common purpose, identification, and common cause. Such findings support the view that human resource strategies must be more than structural provisions, and the call is on socially resonant, culturally immersed, and relational vitality approaches to growth and interactions. The research adds to the set of theoretical and applied insights about the concept of employee engagement by redefining it as a socially constructed effect and especially applicable to digitally-mediated but interaction-heavy organization spaces.
Financial Literacy and Retirement Planning in the Age of Digital Behavior and Socioeconomic Transformation Mittal, Gourav
Journal of Social Commerce Vol. 5 No. 2 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i2.136

Abstract

Financial literacy and retirement planning are critical aspects of personal finance that play a vital role in individuals' financial well-being and long-term security. This paper presents a bibliometric analysis of research articles in the Scopus database focusing on financial literacy and retirement planning. The study aims to explore the most popular authors, publications, and keywords in the literature from an academic perspective. A comprehensive bibliomatrix approach and Biblioshiny, an R-based program was employed to gather and analyze data from scholarly articles published from 2007 to 2022. The findings provide valuable insights into the research landscape of financial literacy and retirement planning and shed light on potential avenues for future research in this field. The keywords "retirement" and "female" were the most frequently used, demonstrating the importance of retirement preparation for women. For researchers in the field of retirement planning, this study offers knowledge that will help them continue to explore these issues.
Digital Investment Behavior of Muslim Investors in Cryptocurrency Platforms in Indonesia Hartono, Hartono; Indah, Nopiani
Journal of Social Commerce Vol. 5 No. 2 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i2.149

Abstract

Behavior regarding cryptocurrency investment among Muslim users cannot be interpreted in a technology-oriented or psychologically-focused manner. It reveals the limitations of the existing behavioral frameworks that leave out the moral examination, social responsibility, and symbolic integrity that comes with an ethical decision during digitally mediated financial environment. The present research thus deposes an assumption that self-efficacy, anxiety, and habit are only neutral predictors. By means of structural equation modeling of the data that was collected among 246 Muslim investors, the present research results confirm that intention is not an original as well as arbitrarily assigned form, but one that is developed by being in line with moral obligation and social recognition. The concept doctrinaire of self-efficacy should be geared up only on the basis of being confident rather it should be regarded as authorized agency. Anxiety, instead of having impeding effects on behavior, acts as a filter of legitimacy where clarity is not settled theologically. Besides, the insignificance of habit is not a sign of the lack of behavior; it is a product of constant moral bargaining. These findings encourage a redefinition of the nature in which digital behavior of investing is theorized. Muslim investors do not find themselves in these platforms as passive beings but as moral agents who are unwilling to allow the automation of financial activities to occur without prior consent. Therefore, the behavioral science needs to correct its oversight of interpretive acumen and stratum of righteousness that orient action in the religious scenario of finance.
The Influence of Lifestyle and Financial Planning on Islamic Stock Investment Decisions in a Digitally Mediated Environment Djunaidi, Zikri Habibi; Imsar, Imsar; Anggraini, Tuti
Journal of Social Commerce Vol. 5 No. 1 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i1.157

Abstract

The speeding up of the digitalization of financial life that accompanies a rising cultural discourse about ethical investment is transforming the habits that shape the economic decisions of young Muslims. The current research examines how Islam stock investment could be impacted by lifestyle preferences and individual financial planning of student at the State Islamic University of North Sumatra (UINSU) relative to Jakarta Islamic Index (JII). Using a quantitative research approach on Structural Equation Modeling- Partial Least Squares (SEM-PLS) students investors active securities accounts were sampled and 94 student investors were selected. The results indicate that both lifestyle and financial planning influence investment decisions positively and independently of each other and lifestyle has a stronger effect in predicting investment decision. These findings indicate that approval of financial behavior of students is not a matter of systematic planning or technical literacy; there are extensive rationales on the basis of social identity, aspiration norms, and daily practices. In this environment, investment is identified as a mode of defining ethical orientation, social spot, and future intention, and not expressed as a pure economic concept. The study sets Islamic investing in the real world of digitally connected and religiously minded youngsters, enhancing the interpretation of behavioral finance in faith-related situations. It points a finger towards educational and institutional paradigms that take the financial decision-making beyond transactional competence, to cover ethical, cultural and social aspects of financial decision-making.
Financial Structuring as a Pathway to Enterprise Readiness through MSMEs Financial Accounting Standards Implementation in Indonesian Microenterprises Rahmadani, Mutia; Lubis, Fauzi Arif
Journal of Social Commerce Vol. 5 No. 1 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i1.160

Abstract

The current study aims at exploring how Financial Accounting Standards of Micro, Small, and Medium Entities (SAK EMKM) may increase the effectiveness of financial management and the readiness of groundwork on institutional and digital integration among Indonesian microenterprises. The research makes use of a qualitative case study design by examining a laundry business located in Jaharun A Village, Deli Serdang Regency as the typical case of a non-use firm using no digital tools, absence of formal accounting records, or institutional connection. The search of information was conducted by conducting in-depth interviews, observation on the site, and complementary documents. Analysis of the collected data was carried out by aligning the current financial practices of the enterprise with standards of SAK EMKM. Investigations reveal that the company keeps very limited and hand-written incomes i.e. expenditure books, there is no categorization of assets, liabilities or profits, and there is also no separation between business and personal accounts. Such constraints are not only based on the lack of accounting expertise but are also strongly influenced by behavioral acceptability, resource availability and lack of institutional support. However, the findings reveal that, being implemented in doses and within a specified context, SAK EMKM may successfully restructure financial conduct and address the reinforcement of internal control, as well as development of trusting relationships with third-party stakeholders. Therefore, the SAK EMKM serves as a compliance tool, and as such, as an infrastructure link to informal and inclusion.
The Influence of Good Corporate Governance, Corporate Social Responsibility, and Return on Assets on the Value of Islamic Banks Gah, Tiffany Natalia Petronela; Wulandari, Agusta Amanda; Rupilu, Wilsna; Poeh, Melda Mariana
Journal of Social Commerce Vol. 5 No. 2 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i2.162

Abstract

This paper examines the process by which Islamic commercial banks in Indonesia create firm value via the interaction of governance mechanisms, moral signaling, as well as, financial performance. Based on more or less numerous forms of multiple linear regression analyses in 12 Sharia compliance banking institutions between 2019 and 2022, the study will investigate the corresponding influence of Islamic Good Corporate Governance (IGCG), Islamic Corporate Social Responsibility (ICSR), and Return on Assets (ROA) on investor-scape perceived value reflecting through Earnings per Share (EPS). The results indicate a strong divergence between the formal systems of governance and market-imposed judgments. IGCG, although institutionally mandated, does not play any significant role in creating firm value, which implies that the current practice of governance is not publicly credible. Comparatively, ICSR has proven to be the most influential predictor representing that the stakeholders give more importance on ethical transparency rather than procedural compliance. ROA is an influential albeit minor element, which supports the idea that profitability is essential but not sufficient by itself to keep valuation trust. Such outcomes must herald a transformation in the vision of value in an Islamic finance context; in other words, how compliance is measured and appropriately valued financially is no longer an internalized affair because such reality is more seen in terms of filming the veracity of a financial institution publicly.
Sectoral Market Sensitivities to Macroeconomic Signals and Global Moderators in a Digitally Shifting Investment Landscape Fikriyah, Nabillah Fauziatul; Yuliana, Indah
Journal of Social Commerce Vol. 5 No. 2 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i2.164

Abstract

This paper will look into the effects of rupiah exchange rate, inflation and interest rates on the composite stock price index (IHSG), as well as the nine sectoral indices in the Indonesian financial market. Since the behavior of the market is being increasingly defined by wider systemic factors, the analysis introduces the money supply and the Dow Jones Industrial Average (DJIA) index; which acts as moderating variables; that either alleviates or reduces the extent or orientation of these macroeconomic relationships. The quantitative study design was selected that implies the use of multiple regression and Moderated Regression Analysis (MRA) with monthly data collected in the period between January 2019 and December 2023. The findings show that the macroeconomic variations are not evenly spread in all sectors. The inflationary pressure and exchange rate changes are sector specific whereas interest rate movements mostly put pressure on the downward side particularly in capital-intensive sectors. The tempering influence of liquidity and international sentiment is also created to be highly considerable showing that the receiving of a macroeconomic message is not only a factor of investor response but also a factor of the interpretive condition under which it is conveyed.
University Student Vulnerability to Phishing in Digital Banking across Social Platforms Fitrah, Mutia Salsanu; Ramadhani, Sri; Syakir, Ahmad
Journal of Social Commerce Vol. 5 No. 2 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i2.166

Abstract

Human fallibility to phishing is not the byproduct of ignorance anymore, but the one kept alive by the very structure of digital existence. The aesthetic of deception finds a fertile ground in the repetitiveness of trust, the aesthetic of familiarity, and fluid choreography of the communication process that occurs via a platform. The current paper investigates the effect that can be observed in students of Indonesian universities who, due to their exposure to mobile banking and messaging culture, do not regard phishing as a perversion but as something that may appear to be reality. The research, which is based on in-depth interviews, baffles the conclusion that deception is not triumphing with tricky technical challenges rather with social engineering that hopscotches through interpersonal pathways, uses institutional jargon, and play with emotional instinct. Subjects were not blind to the danger. They are weak, instead, because of the same set of circumstances that conditions them to act quickly, to accept as true signals that are visually consistent, and to place the value of the urgent ahead of checking. This evidence means that the issue is not the absence of awareness but the weakness of awareness in the face of pressure. Therefore, there is a need to change the way the digital vulnerability is thought of. Security should not be a personal issue that creates a vacuum out of a context. Rather, it needs to be regarded as a social/infrastructural question, one that is informed by design, by platform logic, by the relational predilections by which we characterize our everyday digital practice.
Islamic Financial Trust as a Moderating Force Between Development Pressures and Environmental Harm in the Age of Social Value Exchange Aini, Rija; Yafiz, Muhammad; Kamilah, Kamilah
Journal of Social Commerce Vol. 5 No. 2 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i2.170

Abstract

This study investigates how the environmental consequences of economic growth and urbanization are shaped by the ethical configuration of financial systems rather than by growth patterns alone. Using data from Indonesia between 2018 and 2023, the research employs moderated regression analysis to examine the role of Islamic finance as a relational mechanism that influences how developmental pressures are absorbed or amplified within ecological systems. The findings indicate that both economic growth and urbanization contribute significantly to environmental degradation. However, when Islamic financial principles are present, the nature of these contributions shifts in important ways. Rather than functioning solely as a funding mechanism, Islamic finance appears to guide behavioral choices by embedding capital within a value system that prioritizes long-term responsibility, fairness in allocation, and sensitivity to collective outcomes. This moderating role reflects not only statistical interaction but a broader shift in how economic and spatial expansion are governed. Sustainability, in this framework, is not treated as an external target but as an internal property of how trust, legitimacy, and environmental ethics are encoded into financial decisions. The study offers a new lens through which the link between development and environmental harm can be understood as contingent upon the normative frameworks that regulate how value is created, exchanged, and sustained.
The Role of Influencers in Enhancing Public Understanding of Sharia Insurance in Indonesia Harahap, Nonita Fitriani; Yusrizal, Yusrizal; Daulay, Aqwa Naser
Journal of Social Commerce Vol. 5 No. 3 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i3.173

Abstract

This study investigates how public understanding of Sharia Insurance takes form within the lived rhythms of social media, where influence no longer travels through official channels but through the voices of individuals who hold attention, trust, and cultural fluency. In Indonesia, where formal Islamic finance education often falls short of reaching everyday audiences, TikTok influencers have emerged as unexpected educators. This research follows two such figures and explores how their content reshapes not only what their followers know but how they come to know it. Drawing from a qualitative phenomenological approach, the study examines shifts in comprehension among followers exposed to their content. The data reveal a significant increase in understanding, yet the clarity that followed did not translate into action. None of the informants took steps to inquire further or adopt the insurance products they now understood. What emerged instead was a gap between recognition and response, between the ability to grasp meaning and the capacity to move forward. The findings suggest that while influencers play a powerful role in building comprehension, their impact remains suspended when institutional pathways are unclear or absent.

Page 7 of 9 | Total Record : 83

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