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Widhi Ariyo Bimo
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Moneter : Jurnal Keuangan dan Perbankan
Published by Universitas Ibn Khaldun Bogor
ISSN : 23022213     EISSN : 26155141     DOI : 10.32832/moneter
Core Subject : Economy, Science,
Computer Science & IT Economics, Econometrics & Finance
Moneter: Jurnal Keuangan dan Perbankan mempunyai fokus dalam kajian keuangan dan perbankan , dengan scope sebagai berikut: Dasar-dasar keuangan dan perbankan syariah dan konvensional Bisnis Teknologi Informasi
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 151 Documents
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Sustainability Performance Management Integration: A Systemic Approach In Improving The Organizational Competitiveness Of PT. Sentosa Deli Mandiri Nst, Venny Fraya Hartin; Wijaya, Doly Muhendy; Azaman, Azaman; Nasti, Nilawati
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 1 (2025): APRIL
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This research examines the integration between performance management and sustainability as a systemic approach in improving organizational competitiveness, with a case study at PT Sentosa Deli Mandiri. The main problem analyzed is the effectiveness of implementing sustainable performance management strategies in supporting the company's long-term goals. A descriptive qualitative approach was used with data collection techniques in the form of in-depth interviews, participatory observation, and documentation studies. The results showed that the integration of economic, social, and environmental indicators into the performance measurement system is able to encourage operational efficiency, improve reputation, and corporate accountability. The Sustainability Balanced Scorecard (SBSC) model proved relevant as a strategic framework in aligning sustainability goals with organizational performance. This finding confirms that a systemic approach is an important foundation in building a long-term sustainable competitive advantage
Designing A Talent Management Strategy To Address Organizational Transformation Challenges: A Case Study of PT. Sentosa Deli Mandiri Wijaya, Doly Muhendy; Hartin Nst, Venny Fraya; Azaman, Azaman; Yuli Isnaini, Dewi Budhiartini
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 1 (2025): APRIL
Publisher : Universitas Ibn Khladun Bogor

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Abstract

In today's business landscape, which is characterized by continuous technological change and increasingly fierce global competition, organizations are required to be able to adapt and transform effectively. Organizational transformation is not limited to operational changes, but also includes fundamental shifts in culture, structure, and overall organizational processes. The research question in this study focuses on how PT. Sentosa Deli Mandiri can design and implement effective talent management strategies to support the success of organizational transformation. The research methodology used is a case study approach, with data collection methods including in-depth interviews with top management and key employees, analysis of internal company documents, direct observation of work processes, and the distribution of questionnaires to employees to measure their perceptions of the talent management strategy that has been implemented. The research findings are expected to identify the main challenges faced by PT. Sentosa Deli Mandiri in the organizational transformation process, evaluate the effectiveness of existing talent management strategies, and formulate comprehensive and integrated talent management strategy recommendations aligned with the company's strategic business objectives.
Electronic Word Of Mouth And User Generated Content: Their Impact On The Purchase Of UMKM Products On The Marketplace Marlina, Asti
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 3 (2024): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

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Abstract

It is impossible to deny the significance of electronic or digital commerce. This development also poses a concern for MSME actors in the marketing of their products. The marketplace is one method of marketing MSME products. Electronic Word of Mouth (EWOM) and User Generated Content (UGC) have garnered significant attention as factors that influence the purchasing behavior of online consumers, as they both have the potential to significantly impact purchasing decisions. After conducting research using SMART-PLS, it was determined that User Generated Content and Electronic Word of Mouth jointly have a substantial impact on online shopping for MSME products in the marketplace. This, in turn, can positively influence consumer decisions regarding their purchase.
Influence of Café Atmosphere, Lifestyle, and Brand Image on Purchasing Decisions Forever, Febiwenesya; Yutika, Fitri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The phenomenon of the rapid proliferation of cafés today reflects that spending time at cafés has become a part of Generation Z’s lifestyle. Consequently, coffee shops are no longer just selling coffee products but are also offering an atmosphere or ambiance as part of the overall customer experience. This study examines and analyzes the influence of store atmosphere in cafés, lifestyle, and brand image on purchasing decisions through the mediating role of service quality among coffee shop visitors. The research employs a quantitative approach, with data collected through an online questionnaire distributed via Google Forms. The population of this study consists of Generation Z individuals aged 17 to 28 years who have previously dined in at a coffee shop. The sampling technique used is purposive sampling, resulting in a total of 110 respondents. Data analysis was conducted using the partial least squares structural equation modeling (PLS-SEM) approach with the assistance of SmartPLS 3.0. The results of this study indicate that store atmosphere in cafés has a positive and significant influence on service quality. This implies that the more comfortable the atmosphere of a café, the better the perceived quality of service. However, store atmosphere in cafés does not have a significant influence on purchasing decisions. Furthermore, service quality, as a mediating variable, does not have a significant effect on purchasing decisions. Therefore, it is recommended that future research consider additional or alternative mediating variables that were not examined in this study or focus more narrowly on a specific coffee shop that adheres to consistent service standards.
Factors That Influence Msme Decisions In Medan In Choosing Financing Sources For Business Capital Rohima, Rohima; Bi Rahmani, Nur Ahmadi; Syahbudi, Muhammad
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The objective of this research is to examine the determinants that affect decision-making processes among MSMEs in choosing a source of financing, both from formal institutions such as banks and non-formal institutions such as cooperatives and individual loans. The result is based on the research conducted, MSMEs’ decisions in selecting sources of business capital financing are more influenced by factors such as ease of access, speed of disbursement, and low administrative requirements than by rational considerations regarding profit margins. Although non-bank financial institutions such as cooperatives, fintech lending, and community loans offer higher profit margins, MSMEs still tend to choose them due to the simpler and less bureaucratic application process. This indicates that MSMEs’ decisions are pragmatic, prioritizing immediate benefits in business operations over long-term cost efficiency. This finding aligns with decision theory and pecking order theory, where business actors choose the most accessible financing option first, even though it carries greater risk.
Motivation as a MediatingVariable in the Relationship Between Organizational Culture, Job Satisfaction, and Employee Performance at PT Musam Utjing Hutabarat, Cindy Claudia; Suhairi, Suhairi; Jannah, Nurul
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The plantation industry, such as palm oil, is characterized by demanding, field-based work that demands high levels of physical endurance and discipline. Therefore, work motivation is key to maintaining employee enthusiasm, perseverance, and loyalty to the company. This study applies a quantitative method. According to Sugiyono (2022), the quantitative method is rooted in the positivist paradigm, emphasizing objective measurement and statistical analysis to test hypotheses, which is applied to research specific samples or populations. The result is organizational Culture (X1) significantly influences both Work Motivation (Z) and Job Satisfaction (X2), as evidenced by a very small p-value (0.000). This indicates that a strong organizational culture can increase employee motivation and job satisfaction. On the other hand, Work Motivation (Z) also has a considerable effect on Employee Performance (Y), with a p-value of 0.001. This finding reinforces that high work motivation is closely related to improved company performance. However, the direct relationship between Organizational Culture (X1) and Company Performance (Y) does not show any statistical significance (p-value 0.051), meaning that the impact of organizational culture on performance is indirect and influenced by other variables. Furthermore, Job Satisfaction (X2) does not have a statistically significant effect on Work Motivation(Z) or Company Performance (Y), with a p-value greater than the significance level of 0.05, which implies that in this particular model, job satisfaction does not play a direct role in motivation or performance.
Analysis Of Business Development Strategy In Improving The Welfare Of Grape Cultivationers From An Islamic Economic Review (Case Study At Jagad Farm Binjai) Nursafira, Adela; Arif, Muhammad; Syahriza, Rahmi
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

Particularly in the development of grape cultivation businesses that consider Islamic economic values. However, an Islamic economic approach is highly relevant for application in agribusiness, as it emphasizes justice, blessings, sustainability, and welfare. This research uses a qualitative approach and uses a case study. The aim is to analyze the grape cultivation business development strategy at Jagat Farm Binjai and assess its alignment with Islamic economic principles. Primary data was obtained through interviews with business owners and other relevant parties, while secondary data was collected from literature, including books, journals, and theses from previous researchers related to grape cultivation and Islamic economics.Based on the various aspects discussed, it can be concluded that the development of a grape cultivation business at Jagad Farm Binjai has significant potential to improve the welfare of farmers and support the local economy. The implemented strategy integrates Islamic economic principles and optimizes strengths such as product quality and processing innovation, while addressing weaknesses such as a lack of technology and trained human resources. Government support and the use of digital platforms also play a crucial role in expanding the market and increasing the competitiveness of this business. By considering internal and external factors, as well as the principles of sustainability and social justice, the development of grape cultivation in Binjai is expected to become a sustainable business model, providing equitable economic and social benefits, and strengthening Indonesia’s position in the future grape agribusiness industry.
Exploring The Mudharabah Contract And Its Implementation In Islamic Financial Institutions: A Content Analysis Study In The Digital Entrepreneur Era Syakur, Abd.; Chandrarin, Grahita; Wikantiyoso, Respati; Sunardi, Sunardi
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The application of mudharabah contract accounting practices has complied with accounting principles in Indonesian Islamic banking, as outlined in Financial Accounting Standards Statement (PSAK) No. 105, issued by the Indonesian Institute of Accountants, which addresses measurement and recognition, presentation, and disclosure. Myriad studies have examined the current development of Islamic accounting discourse; however, theoretical discussions have been somewhat overlooked. To fill this lacuna, the current study explicitly explores Islamic accounting practices for mudharabah contracts in Islamic banking financing. The study aims to uncover Islamic accounting practices for mudharabah contracts in Islamic banking and to determine whether the implementation of these practices in financing aligns with the Statement of Financial Accounting Standards (PSAK) Number 105 and the Fatwa of the National Sharia Council. The current study employed a content analysis study under the umbrella of descriptive qualitative analysis to describe the practice of implementing Sharia accounting for mudharabah contracts in Islamic financing and financial institutions, based on compliance with PSAK No. 105. Furthermore, the study untangled that Islamic banking is considered a solution to conventional banking (which relies on interest). Although mudharabah is more commonly known in Islamic banking, it can also be applied in practice to other Islamic financial institutions, such as Islamic insurance, Islamic capital markets, Islamic mutual funds, and Islamic bonds.
A Systematic Review Of Business Ethics And Professional Implementation: A Literacy Study In Digital Marketing Syakur, Abd.; Safriliana, Retna; Assih, Prihat; Mujairimi, Mujairimi; Bella Ayu, Roro
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 1 (2025): APRIL
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The digital era has fundamentally transformed the business landscape, with digital marketing becoming the backbone of many companies' strategies. However, this rapid development has also given rise to significant ethical complexities, demanding deep consideration of business practices and professionalism. This research presents a Systematic Literature Review (SLR) to identify, analyse, and synthesize relevant academic literature on business ethics and professional implementation in the context of digital marketing. A rigorous SLR method is applied, including comprehensive searches in leading scientific databases, screening based on clear inclusion and exclusion criteria, and thematic data extraction and synthesis. The main focus of this review includes crucial issues such as consumer data privacy, transparency in digital advertising, misleading marketing practices, corporate social responsibility (CSR) on digital platforms, and the ethical implications of using artificial intelligence (AI) in marketing. The research findings indicate a gap between technological innovation and an adequate ethical framework, highlighting the urgent need for adaptive regulations, enhanced ethical literacy among practitioners, and the development of a code of ethics specific to the digital realm. The conclusion of this SLR provides critical insights for academics, practitioners, and policymakers to navigate the ethical complexities in the era of digital marketing, promoting more responsible and sustainable practices.
Philosophy and Science in Accounting 5.0 Era : A Literature Review Syakur, Abd.; Subiantoro, Edi; Supriadi, Bambang
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 1 (2025): APRIL
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The 5.0 era has introduced substantial transformations in accounting practices through the incorporation of advanced technologies, including artificial intelligence (AI), big data, and automation. These technological advancements provide enhanced efficiency and precision in financial data processing and analysis; however, they also present challenges in upholding fundamental accounting principles such as transparency, integrity, and accountability. This article analyzes the integration of technology with humanistic accounting ideals in the digital age via the lens of the philosophy of science, namely positivism, interpretivism, and pragmatism. Additionally, the article discusses the importance of ethics in accounting in the 5.0 era, emphasizing the application of virtue ethics theory and discourse to ensure that accounting decisions continue to consider relevant moral and social values. This paper advocates for a decision-making framework in accounting that emphasizes fairness, transparency, and social responsibility, notwithstanding the efficiency offered by technological advancements.

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