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Jurnal Ekonomi Dan Bisnis Digital CV.ITTC INDONESIA Jl. Veteran dalam no.24d, Kota Padang, Sumatera Barat 25112
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JEBD
Published by CV ITTC Indonesia
ISSN : -     EISSN : 30256429     DOI : doi.org/10.47233/jebd
Core Subject : Economy, Engineering,
Economics, Econometrics & Finance Engineering
Jurnal Ekonomi dan Bisnis Digital (JEBD) E-ISSN : 3025-6429 is a peer-reviewed journal providing a space for both practitioners and academics for disseminating research results that work in Economic, finance, management, information technology and related fields. JEBD provides an outlet for the increasing flow of interdisciplinary research cutting across business, management, finance, information system, accounting, Entrepreneurship, Business ethics, Sustainability, Knowledge Management, Learning Organization and economics disciplines. It is an essential reading for academics, graduate students, policy makers and business practitioners.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 565 Documents
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Analisis Swot Pada Usaha Mikro, Kecil Dan Menengah (UMKM) (studi kasus pada salad buah GEN Z) Helvi Viola Sari; Daspar, Daspar
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the development strategy of Gen Z Fruit Salad business in Bekasi through the SWOT approach. This MSME is present as a solution to the low consumption of fruit by the Indonesian people by offering healthy, practical products that are in line with current lifestyle trends. The research method used is quantitative descriptive with non-participant observation techniques. The results of the analysis show that Gen Z Fruit Salad has strengths in the form of product innovation, use of local raw materials, and attractive branding. However, internal weaknesses such as limited production and distribution are still the main obstacles. Opportunities from increasing awareness of healthy lifestyles and government support for MSMEs provide good prospects, even though they must face threats such as fluctuations in fruit prices and tight market competition. Based on the SWOT quadrant diagram, this business is in Quadrant III, which indicates the need for a survival strategy. Strategic recommendations include increasing production capacity, expanding distribution, utilizing digital media, and product innovation to reach a wider market. The results of this study are expected to be a reference in the development of similar MSMEs in the healthy culinary sector.
Analisis Kelayakan Bisnis Pada UMKM Konveksi Baju Melalui Pendekatan Aspek Finansial Rizki Sahala Putra; Helvi Viola Sari; Indah Wulansari; Pupung Purnamasari
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

Factory Fit merupakan salah satu usaha di bidang konveksi baju yang sedang berkembang. Studi kelayakan bisnis menjadi langkah penting untuk memberikan gambaran apakah usaha ini layak dijalankan dan berpotensi memberikan keuntungan di masa depan. Pemilik usaha sebelumnya belum melakukan pencatatan khusus mengenai keuangan serta belum sepenuhnya memahami faktor-faktor yang memengaruhi pemasaran. Oleh karena itu, pendekatan aspek finansial digunakan untuk mengevaluasi kelayakan bisnis ini. Pendekatan yang digunakan meliputi metode Net Present Value (NPV), Internal Rate of Return (IRR), Payback Period (PP), Break Even Point (BEP), Net B/C Ratio, dan Return on Investment (ROI). Hasil evaluasi menunjukkan bahwa bisnis ini layak dijalankan. Selama 3 tahun, nilai NPV yang dihasilkan adalah Rp 269.799.645, IRR mencapai 44,45%, PP tercapai dalam 12,48 bulan, Net B/C Ratio sebesar 1,01, dan ROI sebesar 96,3%. BEP dapat dicapai pada volume produksi sebesar 42 unit per bulan dengan total penerimaan setara biaya produksi sebesar Rp 179.250.000 per bulan. Harga jual BEP ditetapkan sebesar Rp 75.000 per unit baju atau kaos. Hasil evaluasi menunjukkan bahwa investasi awal sebesar Rp 200.000.000, yang sepenuhnya berasal dari modal pribadi, telah digunakan secara efisien. Produksi dan distribusi produk dilakukan secara langsung melalui toko online dan offline yang berbasis di Cikarang, dengan strategi yang disesuaikan berdasarkan permintaan pasar dan ketersediaan bahan baku. Dari hasil ini, dapat disimpulkan bahwa bisnis konveksi ini layak dijalankan dari aspek finansial. Rekomendasi diberikan agar pemilik usaha melakukan evaluasi dan pencatatan keuangan secara berkala untuk menjaga keberlanjutan usaha, serta terus memperbaiki strategi pemasaran dan operasional guna meningkatkan daya saing di pasar yang kompetitif.
Analisis Keterampilan Manajerial (Teknis, Human, Konseptual) Pemilik UMKM dan Dampaknya terhadap Inovasi Produk Ismi Zuliyanti; Suwandi
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the managerial skills possessed by Micro, Small and Medium Enterprises (MSMEs) owners, which include technical skills, human skills, and conceptual skills and their influence on product innovation. MSMEs play an important role in supporting the Indonesian economy, but challenges in product innovation are still a major obstacle. The results show that technical and human skills have a significant influence on product innovation, while conceptual skills play an important role in long-term development strategies. The implications of this study underline the importance of integrated managerial training to improve the competitiveness of MSMEs.
Dampak Pinjaman Online Dan Shopeepaylater Terhadap Pengelolaan Keuangan Pribadi Pengguna Di Kota Makassar Nadiya Nur Fadilla; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the impact of using online loans and Shopee PayLater on users' personal financial management in Makassar City. These two digital financial services offer convenience and speed of access, which has attracted many individuals amidst urgent financial needs and shifting shopping habits to online platforms. Using a qualitative approach with phenomenological method, this research was located in Makassar City from June to July 2025. Data was collected through observation, semi-structured interviews, and documentation from six key informants selected through purposive sampling technique, who are active users of online loans or Shopee PayLater aged 20-40 years old. Data analysis involved reduction, presentation, and coding (open, axial, selective), followed by conclusion drawing. The results showed that the ease of access to online loans and Shopee PayLater significantly impacted users' debt management, spending arrangements, financial priorities, and consumptive behavior. The impact can vary, either worsening financial conditions through increased debt and consumptive behavior, or being a quick solution if used responsibly and supported by adequate financial literacy. This research emphasizes the importance of financial education to prevent unmanageable debt in the digital era.
Implementasi Sistem Bagi Hasil Pertanian Di Kecamatan Bontotiro Marshanda Sultan; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

 This study aims to explore the sharecropping system in Bontotiro District, Bulukumba Regency, South Sulawesi, with a particular focus on the underlying social and cultural values. Employing a descriptive qualitative approach, data were collected through in-depth interviews, field observations, and documentation, with participants selected using purposive sampling. The findings reveal that the sharecropping system is conducted informally, relying heavily on trust, kinship, and the principle of distributive justice. This practice functions not only as an economic mechanism but also reflects communal values such as mutual cooperation, social flexibility, and strong community bonds. The discussion highlights that this system is a form of local wisdom that persists despite the absence of formal agreements. However, modernization and social changes call for innovations such as simple documentation and the strengthening of local institutions to ensure the system’s sustainability and fairness in the future.
Pemanfaatan Facebook Pro sebagai Sumber Pendapatan Digital bagi Kreator Pemula: Studi Reflektif Berbasis Pengalaman Pribadi Muhammad Arjun; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to explore how novice content creators utilize the monetization feature of Facebook Pro as a source of digital income. Using an autoethnographic qualitative approach, the researcher reflects on personal experiences while also including data from other beginner creators. The findings reveal that digital monetization often begins unintentionally but develops into a consistent strategy through learning and adaptation. Key strategies include regular posting, exploring relevant content themes, understanding the algorithm, and leveraging peer communities. Challenges include limited digital literacy, unstable internet access, psychological pressure, and algorithmic uncertainty. This study highlights the transformative meaning of social media as a productive space and offers insights for new creators and digital platform developers.
Dampak Pengelolaan Keuangan yang Efisien terhadap Keberlanjutan Usaha Tani Cengkeh: Studi Kasus di Kel. Induha Sulawesi Tenggara Inar Andriani; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the impact of efficient financial management on the sustainability of clove farming in Induha Village, Southeast Sulawesi. The method used in this study is a qualitative approach with data collection through in-depth interviews and direct observation in the field. The results of the study indicate that good financial management, which includes budget planning, transaction recording, and financial report analysis, contributes significantly to increasing the productivity and profitability of clove farming. In addition, farmers who implement efficient financial management practices tend to be better able to face market risks and uncertainties, thereby increasing the sustainability of their businesses. This study recommends the need for training and assistance for farmers in financial management to support the sustainability of clove farming in the area.
Pengaruh Model TPB Terhadap Penggunaan E-Payment QRIS Pada Generasi Z Di Kota Makassar Ramadana; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to determine the influence of attitude, subj subjective norm, and perceived behavioral control on the intention to use QRIS based on the Theory of Planned Behavior (TPB) model among Generation Z in Makassar City. This research adopts a quantitative approach using multiple linear regression analysis. Data were collected from 100 respondents through an online questionnaire. The results indicate that, simultaneously, the variables of attitude, subjective norm, and perceived behavioral control significantly influence the intention to use QRIS. Partially, attitude and subjective norm have a significant effect, while perceived behavioral control does not have a significant effect. The Adjusted R Square value of 28.2% shows that the three variables are able to explain 28.2% of the variation in the intention to use QRIS. This study provides implications for understanding the digital behavior of Generation Z and serves as a reference for payment system developers to enhance the adoption of QRIS among the younger generation.
Pengalaman dan Persepsi Driver Shopee Food Terhadap Sistem Insentif di Kota Makassar Satriawana; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to explore the experiences and perceptions of Shopee Food drivers in Makassar City regarding the incentive system implemented by the company. Using a qualitative approach, this study involved in-depth interviews with purposively selected drivers to obtain diverse views. The data obtained were analyzed using thematic analysis techniques to identify patterns and themes that emerged from the respondents' experiences. The results showed that the incentive system had a significant impact on driver motivation and performance. Most respondents stated that financial incentives increased work enthusiasm and provided encouragement to achieve targets. However, there were also challenges faced, such as uncertainty in achieving incentives and perceptions of fairness in incentive distribution. In addition, external factors such as traffic conditions and market demand also affected their income. This study provides important insights for Shopee Food management in designing a more effective and fair incentive system, as well as improving driver welfare. These findings are expected to be a reference for further research on incentive systems in the application-based service industry.
Analisis Peluang dan Ancaman Perdagangan Produk Elektronik Konsumen serta Strategi Peningkatan Daya Saing: Studi Kasus Indonesia dan Amerika Serikat dalam Kerangka APEC Siti Nuraini
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

The trade of consumer electronics between Indonesia and the United States offers significant opportunities for both countries to leverage their respective potentials. Indonesia has a comparative advantage in electronic production, while the United States is a primary market with high demand for electronic products. Within the framework of multilateral economic cooperation under APEC, both countries can strengthen their trade relations by reducing tariff barriers and facilitating smoother trade flows. However, Indonesia faces significant challenges, including dependency on component imports, fluctuations in raw material prices, and intense competition from other countries such as China and South Korea. To maximize market potential, Indonesia must focus on technology development, increasing production capacity, and simplifying trade regulations and policies. This study aims to analyze the opportunities and threats in consumer electronics trade, as well as provide strategic recommendations to enhance Indonesia's competitiveness in the global market.

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