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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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Digital Transformation and Innovative Business Models for Attaining Sustainable Competitive Advantage : Systematic Literature Review Syakur, Abd.; Zuhroh, Diana; Harmono, Harmono; Bella Ayu, Roro
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This systematic literature review explores the convergence of digital transformation and innovative business models in achieving a sustainable competitive advantage. As organizations increasingly adopt digital technologies such as artificial intelligence (AI), cloud computing, and the Internet of Things (IoT), they are transforming their operations and enhancing customer experiences. Simultaneously, there is a growing emphasis on integrating sustainability into business strategies, with a focus on economic, environmental, and social sustainability. This review highlights the critical role of business model innovation in leveraging digital tools to create value while addressing the environmental and social impacts of business activities. The findings underscore the importance of combining digital transformation with sustainable practices to drive long-term growth, improve operational efficiency, and meet evolving regulatory and consumer expectations. Ultimately, businesses that successfully integrate these two forces are better positioned to thrive in an increasingly competitive and eco-conscious market.
The Mediating Role Of Customer Satisfaction In The Effect Of Online Customer Experience On Repurchase Intention: A Study On Tiktok Shop Users Nirwana, Devi; Suhairi, Suhairi; Aslami, Nuri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to investigate the relationship between Online Customer Experience (OCE) and TikTok Shop users' Customer Satisfaction (CS) and Repurchase Intention (RI), with CS serving as a mediating variable. As social media-based e-commerce has gained popularity, especially among Indonesia's youth, TikTok Shop has emerged as a prominent online marketplace. As part of a quantitative approach, a survey was completed by 100 respondents who had made purchases on TikTok Shop over the last six months. The data was examined using multiple linear regression and mediation tests using SPSS 26. The results show that OCE has a positive and substantial impact on CS. RI is also significantly impacted by CS. However, when CS is included as a mediating variable, the direct effect of OCE on RI is minimal, indicating that CS fully mediates the relationship between customer experience and repurchase intention. These findings highlight how important it is to offer a comprehensive and satisfying user experience in order to foster customer loyalty on digital platforms. This research recommends that TikTok Shop businesses focus their strategy on enhancing customer happiness and experience quality in order to retain consumers, given the growing competition in the e-commerce industry.
Optimizing IDX 80 Stock Portfolio Using Single Index Model for Efficient Investment Strategy Putri Ulfa, Yunita; Sugi Lestari, Ni Luh Ketut; Janiantari, I Gusti Ayu
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study evaluates the effectiveness of the Single Index Model in forming an optimal stock portfolio using IDX80 index constituents from January 2021 to January 2025. Using a quantitative descriptive approach and purposive sampling, 42 consistently listed stocks were selected. Secondary data were sourced from the IDX, Yahoo Finance, and Bank Indonesia. Each stock’s return, beta, alpha, and residual variance were calculated, and stocks with Excess Return to Beta (ERB) values above the cut-off point (C*) were selected. The results identified seven optimal stocks: MAPI, ITMG, AKRA, MEDC, ADRO, BMRI, and BBNI. The resulting portfolio achieved an expected return of 1.82% with a low risk level of 0.11%, indicating investment efficiency. The findings demonstrate that the Single Index Model is a practical and effective tool for portfolio construction, especially for millennial and Gen Z investors seeking structured, data-based investment strategies amid digital market trends and shifting investor demographics.
Improving the Performance of Educators and Education Personnel Seen from Office Layout, Work Experience and Teamwork at SMP Katolik Santo Paulus Singaraja Lugrahini Safitri Dewi, Komang Dyah; Juli Nuryani, Ni Nyoman
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study was conducted with the aim of finding out how the arrangement of office space owned in the employee room can affect performance, the extensive work experience of each employee can help improve performance and good teamwork in working can affect the performance of educators and education personnel at SMP Katolik Santo Paulus Singaraja. The analysis technique in the study by knowing the value of each research instrument, be it validity test, reliability test, classical assumption test, multiple linear regression analysis, model feasibility test (Goodness Of Fit), hypothesis test. The research that has been conducted shows the impact of good office space arrangement is able to change employee habits in working, office layout has a positive impact and shows significant results on performance, from good office space arrangement will certainly greatly help employees in maximizing performance. The extensive work experience obtained from employee habits working in the agency from this has an influence on the performance results of each individual working at SMP Katolik Santo Paulus Singaraja, work experience has a positive influence and has a significant impact on the performance produced by employees, from the results of the study it can be said that the extensive work experience of each employee can affect their performance. Teamwork from each employee or individual in working has a positive impact on the results of employee work, good teamwork can certainly affect the performance of an employee who works at SMP Katolik Santo Paulus Singaraja, based on this, it can certainly be said that the better the cooperation carried out in working, the more it can help speed up the completion of the work .
Teaching Motivation And Job Satisfaction Of First School Teachers In Indonesia: A Reference For Future Career Development Training Ristiyola, Ristiyola; S. Sicat, Alvin
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study examines the levels of teaching motivation and job satisfaction among first-year school teachers in Indonesia, highlighting their implications for future career development training. Using a mixed-method design, the research gathered data from 400 primary school teachers across various provinces through structured questionnaires and open-ended responses. Quantitative data were analyzed using descriptive statistics, ANOVA, and t-tests, while qualitative data underwent thematic analysis. Results indicate that both motivation (mean = 3.45) and job satisfaction (mean = 3.38) were at moderate to high levels. Professional commitment, confidence, and goal orientation emerged as the most influential motivational factors, whereas compensation and benefits received the lowest ratings. Significant differences were found across teacher demographics, particularly in terms of age, experience, and educational attainment. Qualitative findings highlighted the need for recognition, mentorship, and relief from administrative burdens. The study concludes that while intrinsic motivation remains strong, systemic barriers—especially inadequate compensation and bureaucratic workload—continue to suppress overall satisfaction. It recommends demographic-responsive career development programs focused on stress management, pedagogical advancement, and work-life balance to enhance teacher performance and retention.
Analysis Of Home Industry-Based Umkm Development From A Maslahah Perspective (Case Study: Monik Bread In Kualuh Hulu District) Khairani, Khairani; Lubis, Fauzi arif; Harahap, Muhammad Ikhsan
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to analyze the development of Micro, Small, and Medium Enterprises (MSMEs) based on home industry from the Maslahah perspective, with a case study on the monik bread business in Kualuh Hulu District. The results of this study indicate that the existence of this home industry can create jobs and improve the welfare of the surrounding community. With the maslahah approach, this study is used to assess the extent to which this business provides benefits from both basic needs (dharuriyah), complementary (hajiyyah), and perfecting (tahsiniyyah) aspects. In addition, this study also uses a business model canvas (BMC) analysis to evaluate the monik bread business model by looking at customer segments, value propositions, distribution channels, customer relationships, sources of income, resources, main activities, main partnerships, and cost structures. The research method used is qualitative research with interview techniques, observation, and documentation of business owners. The results of the study show that the development of the Roti Monik business not only contributes to local economic growth, but also fulfills maslahah values, such as opening up job opportunities, increasing income, and maintaining the quality of halal and thayyib products. Through the implementation of BMC, this business is able to optimize its resources and activities so that the business model being run is effective and sustainable.
The Influence of Clan Chess-Based Work Culture, Work Discipline, and Employee Compensation on Work Productivity at BKPSDM Buleleng Regency Dewi, Komang Trisna Sari; Dewi, Kadek Ria Padma
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v13i2.1777

Abstract

The purpose of this study isi to analyze the influence of Catur Marga-basedi worki culture, work discipline, andi employeei compensationi oni worki productivity at thei Bulelengi Regency Personneli andi Human Resources Development Agency. Thisi research is a quantitativei researchi with a causal associative approach. Thei populationi ini thei study wasi 89 ASN employees with the purposivei samplingi method of the researchi sample was 43 ASN employees. Thei researchi instrumenti usedi ai questionnairei withi a data analysisi techniquei usingi multiplei linear regressioni analysis. Thei results ofi thei study stated thati Catur Marga-based work culturei hasi ai positive andi significanti effect oni work productivity, worki disciplinei hasi ai positive and significant effect on work productivity, andi employee compensationi has ai positivei and significanti effecti oni work productivity.
The Influence of E-Money and Shopee Paylater Usage on Impulse Buying Behavior of Febi UINSU Students: A Review of Maqashid Syariah Hanafi Nasution, M Mifta; Sugianto, Sugianto; Tambunan, Khairina
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The present research focuses on examining, from the perspective of maqashid sharia, the role of e-money usage and Shopee Paylater on the impulse buying tendencies of FEBI UINSU students. A quantitative approach was employed, using purposive sampling to select 60 respondents. This study aims to examine how the use of e-money and Shopee PayLater influences impulse buying behavior among FEBI UINSU students, while also assessing its implications through the lens of maqashid sharia. Data information gathered through surveys was evaluated using multiple linear regression analysis. The study results show that both e-money and Shopee PayLater have a notable effect on students’ impulse buying tendencies. The result is the use of electronic money positively influences the impulsive buying behavior of FEBI UINSU students. The ease of transactions and attractive promotions offered by electronic money platforms encourage unplanned purchases. Similarly, the use of Shopee PayLater also shows a positive impact on impulsive buying, as its discount features and deferred payment options stimulate greater consumer spending. Furthermore, the combined use of e-money and Shopee PayLater significantly increases students’ tendency toward impulsive purchases. From the perspective of maqasid sharia, this behavior can be assessed through five dimensions: protection of property, intellect, life, lineage, and religion. Impulse buying, particularly when excessive, can result in waste and inefficient use of wealth, which contradicts the Islamic principle of prudent financial management. Moreover, such behavior often overlooks rational decision-making, which should form the basis of consumption choices.
The Influence Concerning Social Media and Religious Values Concerning The Boycott of Pro-Israel Products in Medan City Rahma, Nopita; Albani Nasution, Muhammad Syukri; Harahap, Muhammad Ikhsan
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The action of rejecting pro-Israel local goods in Indonesia has intensified in response to the ongoing Palestine–Israel conflict, with social media playing a pivotal role in mobilizing public sentiment. This study investigates the role of social media and religiosity on boycott behavior in the city of Medan. Employing a a quantitative technique through multiple linear regression analysis, data were gathered from 100 respondents who are active social media users and knowledgeable about the Palestinian issue. The results indicate that social media significantly influences boycott behavior (p = 0.044), while religiosity exerts an even stronger and highly significant effect (p = 0.001). Together, These elements explain 69.6% of the differences in boycott actions.The findings highlight that boycott behavior is not merely driven by emotions but is shaped by both digital information dissemination and deep-rooted religious values.
Islamic Economic-Based Home Industry Development Strategy Using SOAR Analysis Purba, Febri Andriawan; Yanti, Nursantri; Ilhami Nasution, Muhammad lathief
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to analyze the development strategy of home industries based on Islamic economics using the SOAR (Strengths, Opportunities, Aspirations, and Results) analysis approach, with a case study on the rattan basket business in Kualuh Selatan District. The rattan basket home industry has significant economic potential due to its foundation in local wisdom and alignment with Islamic economic principles such as justice, blessing, and collective welfare. This research uses a qualitative method with data collected through literature reviews and direct interviews with local craftsmen. The findings indicate that the main strengths of the business lie in the availability of raw materials and the skills of the artisans, while opportunities include increasing market demand and government support. The result is this business relies on traditional skills and local raw materials, and makes a significant economic contribution to the surrounding community. However, various obstacles remain, such as limited capital, traditional equipment, and limited market access. Using the SOAR (Strengths, Opportunities, Aspirations, Results) analysis approach, this study shows that internal strengths such as artisan skills and abundant raw materials can be combined with external opportunities such as government support and digital marketing. The aspiration to improve product quality, expand employment opportunities, and introduce modern technology are the main drivers for this business’s development.

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