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Muhammad Dzul Fadlli
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febjournal@gmail.com
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febjournal@gmail.com
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INDONESIA
Journal of Finance, Economics, and Business
ISSN : -     EISSN : 29881234     DOI : https://doi.org/10.59827/jfeb.v1i1
Core Subject : Economy, Social,
Journal of Finance, Economics, and Business (JFEB) is a journal that publishes scientific articles in the fields of economics, finance, and business with focus areas on the Asia-Pacific region. The Journal of Finance, Economics, and Business (JFEB) is published online twice a year in May and November. All processes in this journal use the Online Journal System (OJS). Articles published in this journal will go through a peer-review process.
Articles 62 Documents
PRODUCT INNOVATION STRATEGY IN IMPROVING CUSTOMER SATISFACTION IN COLD DRINK MSMEs Putri, Triwulandari Nehru
Journal of Finance, Economics and Business Vol. 3 No. 2 (2024): JFEB, November 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i2.195

Abstract

Beverage industry cold MSMEs facing challenge big in response change preference fast consumers and increasing competition tight. Product innovation is the key to increasing satisfaction and loyalty customers, but Many MSMEs are limited in implementing effective innovation strategies. This study aims to identify relevant product innovation strategies. for beverage SMEs cold and analytical its impact on satisfaction customers. The method used is a qualitative approach with interviews deep to owners and managers of MSMEs, as well as secondary data analysis from the case study. The results of the study show that innovation strategies such as surveys customers, social media monitoring, additions Variant’s products, and scale trials small effective in improving satisfaction customers. However, limited capital is a challenge the main thing in implementing the strategy. The implications of this research indicate importance deep understanding of preferences​ customers and the need to adapt quickly to market trends to support the sustainability of MSMEs. This research contributes for the development of more efficient marketing strategies and product innovation for MSMEs in the sector drink cold.
ANALYSIS OF THE INFLUENCE OF SERVICE QUALITY AND TRUST ON GOLD PAWN CUSTOMER SATISFACTION Nur'aeda, Nur'aeda; Tulhasana, Lisman
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.251

Abstract

This study aims to analyze the influence of service quality and trust on customer satisfaction in the gold pawn service at Bank Syariah Indonesia (BSI) KCP Sape, Bima Regency. Service quality and trust are considered two critical factors that significantly affect the satisfaction level of customers using sharia-based financial services. The study uses a quantitative descriptive method with data collected through questionnaires distributed to 93 respondents. The results of multiple linear regression analysis indicate that both service quality and trust have a positive and significant influence on customer satisfaction. The coefficient of determination (R²) of 0.972 shows that 97.2% of the variation in customer satisfaction can be explained by these two variables. Furthermore, the findings from the t-test and F-test confirm the significant effect of service quality and trust, both partially and simultaneously, on customer satisfaction. This research highlights the importance for Islamic financial institutions to enhance service quality and build customer trust to improve overall satisfaction and competitive advantage.
THE INFLUENCE OF LIFESTYLE AND BRAND ON THE PURCHASE DECISION OF THRIFT CLOTHING PRODUCTS AMONG UIN MATARAM STUDENTS Rabbaniyah, Fatimah; Nur’aeda, Nur’aeda
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.252

Abstract

This study aims to analyze the influence of lifestyle and brand on the purchase decisions of thrift clothing among students at UIN Mataram. A quantitative approach with an associative method was employed, involving 100 student respondents selected through purposive sampling. Data were collected via questionnaires and analyzed using SPSS version 26 software. The results indicate that lifestyle significantly affects purchase decisions (t-value 6.105 > t-table 1.984, sig. 0.000 < 0.05), as does brand (t-value 9.160 > t-table 1.984, sig. 0.000 < 0.05). Simultaneously, lifestyle and brand also have a significant impact on purchase decisions (f-value 42.075 > f-table 3.09, sig. 0.000 < 0.05). The coefficient of determination (Adjusted R²) of 0.453 shows that 45.3% of purchase decisions are influenced by lifestyle and brand, while 54.7% are influenced by other factors outside this study.
The Effect of Economic Growth, Minimum Wage, Human Development Index on Open Unemployment Rate in West Nusa Tenggara(2019-2023) Saputra, Deni Darma
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.255

Abstract

This study examines the impact of economic growth, minimum wage, and the Human Development Index (HDI) on the open unemployment rate in West Nusa Tenggara Province, Indonesia, from 2019 to 2023. Using a quantitative descriptive approach with panel data regression, the analysis covers 10 districts/cities over a five-year period. The Fixed Effect Model (FEM) was selected based on the results of the Chow and Hausman tests. The findings indicate that economic growth has a negative and significant effect on the open unemployment rate, suggesting that increased economic activity can contribute to job creation. In contrast, the minimum wage and HDI do not show a significant impact on unemployment. The simultaneous F-test, however, reveals that all three variables collectively have a significant influence on the open unemployment rate. The adjusted R-squared value of 0.621 implies that the model explains a substantial portion of the unemployment variation. The results highlight the importance of fostering inclusive economic growth to effectively reduce unemployment, while suggesting that wage and development policies require complementary labor market strategies to be impactful.
THE EFFECT OF INVESTMENT, LABOR, AND EDUCATION LEVEL ON ECONOMIC GROWTH IN INDONESIA IN 2019-2023 Subagyo, Erlangga Aryaputra; Restikasari, Wenny
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.256

Abstract

This research aims to determine the influence of independent variables, namely investment, labor force, and education level, on the dependent variable, economic growth in Indonesia from 2019 to 2023. This study employs a quantitative research approach using secondary data obtained from the Central Statistics Agency (Badan Pusat Statistik). The research method used is Panel Data Regression Analysis. The findings of this study indicate that the variables DDI, labor force, and education level collectively influence economic growth. Additionally, FDI, labor force, and education level collectively influence economic growth. DDI, FDI, labor force, and education level collectively influence economic growth in Indonesia from 2019 to 2023.
BUSINESS ETHICHS OF MUSLIM TRADERS FROM AN ISLAMIC PERSPECTIVE AND ITS IMPACT ON THE WELFARE OF MUSLIM TRADERS IN THE TRADITIONAL MARKET OF MOTONG, UTAN SUB-DISTRICT, SUMBAWA DISTRICT SAFITRI, RIZA ANGGRAINI; Huzaini, Moh.; Jufri, Akhad
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.257

Abstract

This study aims to determine the types of goods traded by traders and analyze the business ethics of traders and analyze the level of welfare of Muslim traders in Motong Market, Utan District, Sumbawa Regency. This research uses a descriptive qualitative approach. The type of research used is field research. Data collection techniques used are interviews, observation, and documentation. Determination of informants using purposive and snow ball. The conclusions of this study are: There are five groups of goods traded, namely agricultural products, home industry, fishery products, basic necessities and various types of snacks; Most traders have applied Islamic business ethics, such as being tauhid, honest, and transparent, not using false oaths, being lenient and generous, building good relationships and setting prices transparently. Two did not apply Islamic business ethics, such as being dishonest in selling, selling goods that are not of good quality; Most traders have obtained good welfare (hayaatan tayyibah) and have been qana'ah. Despite living in simplicity, they are already included in a prosperous family, because they have been able to fulfill their dharuriyat and hajiyat needs. Only one person has not because he has not been able to fulfill the needs of Hifdzu Diin, namely neglecting to perform the five daily prayers. Keywords: Islamic Business Ethics, Traders, Islamic Welfare This study aims to determine the types of goods traded by traders and analyze the business ethics of traders and analyze the level of welfare of Muslim traders in Motong Market, Utan District, Sumbawa Regency. This research uses a descriptive qualitative approach. The type of research used is field research. Data collection techniques used are interviews, observation, and documentation. Determination of informants using purposive and snow ball. The conclusions of this study are: There are five groups of goods traded, namely agricultural products, home industry, fishery products, basic necessities and various types of snacks; Most traders have applied Islamic business ethics, such as being tauhid, honest, and transparent, not using false oaths, being lenient and generous, building good relationships and setting prices transparently. Two did not apply Islamic business ethics, such as being dishonest in selling, selling goods that are not of good quality; Most traders have obtained good welfare (hayaatan tayyibah) and have been qana'ah. Despite living in simplicity, they are already included in a prosperous family, because they have been able to fulfill their dharuriyat and hajiyat needs. Only one person has not because he has not been able to fulfill the needs of Hifdzu Diin, namely neglecting to perform the five daily prayers.Keywords: Islamic Business Ethics, Traders, Islamic Welfare
THE ROLE OF RATTAN AND KETAK HOME INDUSTRY IN IMPROVING THE COMMUNITY ECONOMY IN BELEKA VILLAGE, EAST PRAYA SUB-DISTRICT, CENTRAL LOMBOK REGENCY Maenarni, Lilis; Ro'is, Ihsan; Hidayat, Ali Akbar
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.259

Abstract

This study aims to analyze the role of the rattan and ketak handicraft home industry in improving the community's economy in Beleka Village, East Praya District, Central Lombok Regency. This research uses a qualitative approach with descriptive methods. The data collection techniques used were observation, interviews and documentation. Determination in this study using purposive and snowball. The data validity method used is the triangulation method. The results of this study indicate that the home industry of rattan and Ketak handicrafts plays a role in improving the economy of the community in Beleka Village, East Praya District, Central Lombok Regency. Then the role of the rattan and ketak handicraft home industry in improving the community's economy is said to be almost running well can be seen from income, health and education.
ANALYSIS OF INCOME AND LIFESTYLE ON PUBLIC CONSUMPTION IN THE PERSPECTIVE OF ISLAMIC ECONOMICS Budiman, Ary A; Irwan, Muhammad; Hidayat, Ali Akbar
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.260

Abstract

This study aims to analyse the effect of income and lifestyle on community consumption. The population in this study were the people of Selaparang District, Mataram City with a sample of 100 respondents using purposive sampling technique with criteria aged 25-50 years. this research uses quantitative methods. The data analysis used in this study is multiple linear regression test, with the help of SPSS software version 24. Based on the partial test results, it shows that the income variable has a positive and significant effect on consumption, and the lifestyle variable has a positive and significant effect on consumption. While the simultaneous test shows that income and lifestyle have a positive and significant effect on community consumption in Selaparang sub-district, Mataram City. The coefficient of determination of 0.398 or 39.80 per cent indicates that income and lifestyle affect consumption by 39.80 per cent and the rest is influenced by other variables.
THE ROLE OF FISH POND FARMING BUSINESS IN IMPROVING THE WELFARE OF FISH POND FARMERS IN PETELUAN INDAH VILLAGE, LINGSAR DISTRICT, WEST LOMBOK REGENCY Yahya, Alfironi; Alwi, Muhammad; Astuti, Endang
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.270

Abstract

This study aims to analyze the role of fish pond farming in improving the welfare of fish pond farmers in Peteluan Indah Village, Lingsar District, West Lombok Regency. Fish pond farming is one of the rapidly growing local economic sectors with great potential to increase community income. The research method used is a qualitative approach with data collection techniques including interviews, observations, and documentation. The results of the study show that fish pond farming not only contributes to increasing farmers’ income but also encourages the creation of job opportunities, improvement of housing conditions, and better access to education and healthcare services. In addition, support from the government and local institutions further strengthens the sustainability of fish pond farming. Therefore, fish pond farming plays an important role in improving the living standards and welfare of pond farmers in the region.
ANALYSIS OF THE PRINCIPAL'S ROLE IN THE IMPLEMENTATION OF SCHOOL-BASED MANAGEMENT AT STATE ELEMENTARY SCHOOL 3 PANJI Damayanti, Ni Made Nia Putri; Darmayanti, Ni Luh Komang Ayu Sukma Intan; Widiasari, Ketut; Diantara, I Komang Arya; Werang, Basilius Raden
Journal of Finance, Economics and Business Vol. 4 No. 1 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i1.287

Abstract

This study aims to analyze the role of principal leadership in the implementation of School-Based Management (SBM) at SD Negeri 3 Panji. The results indicate that the principal applies a participatory approach involving teachers, staff, and the school committee in decision-making, thereby creating a sense of ownership and shared responsibility. The principal's ability to inspire and motivate the team contributes to the creation of a clear shared vision that supports innovation and creativity. Despite challenges such as miscommunication and excessive workload, the principal demonstrates an adaptive and proactive attitude in addressing these obstacles. This study concludes that inclusive and collaborative leadership is crucial in creating a school environment that is responsive to educational needs and enhances the quality of learning.