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Jurnal Ekonomi dan Bisnis
Published by Universitas Dian Nuswantoro
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Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Ekonomi dan Bisnis (JEKOBS) adalah media publikasi penelitian empiris ataupun konseptual oleh mahasiswa Jurusan Manajemen dan Akuntansi. Artikel - artikel yang dipublikasikan merupakan publikasi Tugas Akhir mahasiswa dalam menyelesaikan jenjang pendidikan, baik Strata 1, 2, maupun 3. Artikel yang terbit sudah melalui uji proposal, uji lisan dan presentasi, selayaknya ujian akhir pada proses penyusunan Tugas Akhir mahasiswa. Serta, penyusunan standar penulisan karya ilmiah sesuai kedalaman materi mahasiswa pada masing-masing Strata. Jurnal Ekonomi dan Bisnis (JEKOBS) diterbitkan berkala dalam basis 3 bulanan setiap Maret, Juni, September, Desember, serta diterbitkan secara Online pada website: http://publikasi.dinus.ac.id/index.php/JEKOBS Jurnal Ekonomi dan Bisnis (JEKOBS) mempublikasikan Jurnal dalam cakupan bidang keilmuan meliputi: --Management Science Marketing Management Operations Management Financial management Human Resource Management International Business Entrepreneurship --Accounting Sciences Taxation and Public Sector Accounting Accounting information system Auditing Financial Accounting Management accounting Behavioral accounting
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 73 Documents
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Peran Bank Waqaf Mikro dalam Mengoptimalkan Waqaf Sebagai Instrumen Pemberdayaan Ekonomi Sumarti, Retno Khabbatuni'mah; Susetyo, Achmad Budi
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13078

Abstract

Waqf is an instrument of Islamic philanthropy that has great potential in sustainable economic development of the people. One form of innovation in the management of productive waqf in Indonesia is the establishment of the Micro Waqf Bank (BWM), which is present to provide access to sharia-based financing to low-income communities around Islamic boarding schools. This study aims to analyze the role of the Micro Waqf Bank in the management of productive waqf and formulate a strategy for optimizing waqf as an instrument for empowering the people's economy. The method used is library research with a qualitative approach. The results of the study show that BWM plays a significant role in increasing sharia financial inclusion, encouraging the growth of micro-businesses, and suppressing loan shark practices through collateral-free financing based on the Qardh contract. The strategy for optimizing waqf includes community education, strengthening the capacity of nazhir, innovation of waqf instruments, and synergy between stakeholders.   Wakaf merupakan instrumen filantropi Islam yang memiliki potensi besar dalam pembangunan ekonomi umat secara berkelanjutan. Salah satu bentuk inovasi dalam pengelolaan wakaf produktif di Indonesia adalah pembentukan Bank Wakaf Mikro (BWM), yang hadir untuk memberikan akses pembiayaan berbasis syariah kepada masyarakat berpendapatan rendah di sekitar pesantren. Penelitian ini bertujuan untuk menganalisis peran Bank Wakaf Mikro dalam pengelolaan wakaf produktif serta merumuskan strategi optimalisasi wakaf sebagai instrumen pemberdayaan ekonomi umat. Metode yang digunakan adalah studi pustaka (library research) dengan pendekatan kualitatif. Hasil kajian menunjukkan bahwa BWM berperan signifikan dalam meningkatkan inklusi keuangan syariah, mendorong pertumbuhan usaha mikro, dan menekan praktik rentenir melalui pembiayaan tanpa agunan berbasis akad Qardh. Strategi optimalisasi wakaf mencakup edukasi masyarakat, penguatan kapasitas nazhir, inovasi instrumen wakaf, dan sinergi antar pemangku kepentingan.
Pengaruh Prinsip Syariah Pada Kinerja Keuangan Bank Syariah Di Indonesia Ramadhani, Nur Ainie; Susetyo, Achmad Budi
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13143

Abstract

Financial performance of Islamic banks in Indonesia. Islamic banks rely on Islamic principles such as prohibition of usury, fairness in transactions, and fair risk sharing. This study uses literature study and quantitative descriptive analysis. In addition, a literature study approach from accredited journals is also used. Return on Assets (ROA), Return on Equity (ROE), and Financing to Deposit Ratio (FDR) are some of the financial performance indicators used. The results of the study indicate that regular application of Islamic principles improves financial performance, increases customer trust, and improves the stability of Islamic banks. Thus, Islamic principles create ethical values ​​in banking and improve financial performance.   Hasil keuangan bank syariah Indonesia. Prinsip-prinsip syariah seperti larangan riba, keadilan dalam transaksi, dan pembagian risiko yang adil adalah dasar bagi bank syariah. Studi pustaka dan analisis deskriptif digunakan dalam penelitian ini. Selain itu, metodologi studi literatur dari jurnal terakreditasi juga digunakan. Beberapa indikator kinerja keuangan yang digunakan termasuk Return on Assets (ROA), Return on Equity (ROE), dan Financing to Deposit Ratio (FDR). Studi menunjukkan bahwa penerapan prinsip syariah secara teratur meningkatkan kinerja keuangan, meningkatkan kepercayaan nasabah, dan meningkatkan stabilitas bank syariah. Oleh karena itu, nilai-nilai etis dan kinerja finansial diperkuat oleh prinsip syariah.
Peran Teknologi Finansial dalam Inovasi Layanan Perbankan Syariah Salim, Habibah; Susetyo, Achmad Budi
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13158

Abstract

The advancement of financial technology (fintech) has had a significant impact on service innovation in Islamic banking. Various fintech-based solutions contribute to enhancing operational efficiency, expanding service accessibility, and ensuring transaction transparency in the Islamic finance system. Technologies such as digital payments, Sharia peer-to-peer lending, and Sharia crowdfunding enable the community to access financial services in accordance with Islamic principles more easily and quickly. This study aims to examine the role of fintech in strengthening Islamic banking services and its impact on financial inclusion and economic stability based on Sharia. Using a qualitative approach grounded in literature review, this research explores how the integration of fintech can drive the growth of the Islamic banking industry while also identifying the challenges faced, particularly related to regulation, financial literacy, and technology risks.   Kemajuan teknologi finansial (fintech) telah memberikan dampak signifikan terhadap inovasi layanan dalam perbankan syariah. Berbagai solusi berbasis fintech berkontribusi dalam meningkatkan efisiensi operasional, memperluas aksesibilitas layanan, serta memastikan transparansi transaksi dalam sistem keuangan berbasis syariah. Teknologi seperti pembayaran digital, peer-to-peer lending syariah, dan crowdfunding syariah memungkinkan masyarakat memperoleh layanan keuangan sesuai dengan prinsip Islam dengan lebih mudah dan cepat. Penelitian ini bertujuan untuk mengkaji peran fintech dalam memperkuat layanan perbankan syariah serta dampaknya terhadap inklusi keuangan dan stabilitas ekonomi berbasis syariah. Dengan pendekatan kualitatif berbasis kajian literatur, penelitian ini mengeksplorasi bagaimana integrasi fintech dapat mendorong pertumbuhan industri perbankan syariah sekaligus mengidentifikasi tantangan yang dihadapi, terutama terkait regulasi, literasi keuangan, dan risiko teknologi.
Analysis of Used Car Consumer Financing through Murabahah Contract in Islamic Banking Yulianti, Mei Nurus Syamsiyah
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13085

Abstract

This study examines the implementation of murabahah contracts in consumer financing for used motor vehicles by Islamic banks. With the rapid expansion of Islamic financial institutions in Indonesia, there is a growing demand for financing products that comply with sharia principles. Used car financing is increasingly favored as a more economical alternative to new vehicle purchases. This research explores how Islamic banks apply murabahah, a cost-plus sale mechanism, ensuring that ownership remains with the bank, prices are transparent, and elements such as riba, gharar, and maysir are avoided. Despite its benefits, financing used vehicles presents challenges such as asset depreciation, legal uncertainties regarding ownership, and undisclosed defects. This study investigates the risk management strategies adopted by Islamic banks, including evaluating customer eligibility, conducting asset appraisals, and strengthening legal documentation. Additionally, while consumer financing expands financial access, it is often considered less economically productive.
Pengaruh Lokasi, Promosi, Pengetahuan Terhadap Minat Menabung di Bank Syariah, Studi Kasus di Desa Branta Tinggi, Kabupaten Pamekasan Mailinda, Syofiana
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13165

Abstract

This study aims to analyze the effect of location, promotion, and knowledge on the interest of the people of Branta Tinggi Village to save at Islamic banks. Islamic banks as financial institutions based on Islamic principles need to understand the factors that encourage people to become customers. Using a quantitative approach with the SmartPLS 4 analysis tool, this study evaluates the extent to which the three independent variables affect the interest in saving as the dependent variable. The results of this study are expected to contribute to the development of marketing strategies for Islamic banks in rural areas.                                                      Penelitian ini bertujuan untuk menganalisis pengaruh lokasi, promosi, dan pengetahuan terhadap minat masyarakat Desa Branta Tinggi untuk menabung di bank syariah. Bank syariah sebagai lembaga keuangan berbasis prinsip-prinsip Islam perlu memahami faktor-faktor yang mendorong masyarakat untuk menjadi nasabah. Menggunakan pendekatan kuantitatif dengan alat analisis SmartPLS 4, penelitian ini mengevaluasi sejauh mana ketiga variabel independen tersebut memengaruhi minat menabung sebagai variabel dependen. Hasil penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan strategi pemasaran bank syariah di daerah pedesaan
Dampak Faktor Makroekonomi terhadap FDI di ASEAN-4 Sebelum dan Sesudah Pandemi COVID-19 Maulia, Dhita; Widodo, Purwanto
Jurnal Ekonomi dan Bisnis Vol. 4 No. 3 (2025): September 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i3.12103

Abstract

Investment represents the deferral of current consumption for future benefits, involving the allocation of capital to support the production of goods or services within the economy. Foreign Direct Investment (FDI) plays a vital role in providing technology, skills, and other external inputs to enhance the competitiveness of companies and the economic performance of host countries. This study aims to analyze the impact of macroeconomic factors (economic growth, interest rates, and exchange rates) on Foreign Direct Investment in four ASEAN countries: Singapore, Indonesia, Laos, and Brunei Darussalam. Secondary data from the World Bank for the years 2018–2023 were used and analyzed using the panel regression method with the Fixed Effect Model (FEM), along with classical assumption tests and hypothesis testing in STATA 17. The results indicate that, partially, economic growth has a positive and significant effect on FDI, exchange rates have a negative and significant effect on FDI, and interest rates have no significant effect on FDI. Simultaneously, the variables of economic growth, interest rates, and exchange rates influence Foreign Direct Investment.   Investasi merupakan pengalihan konsumsi saat ini demi keuntungan di masa depan, yang mencakup alokasi modal untuk mendukung produksi barang atau jasa dalam ekonomi. Foreign Direct Investment berperan penting dalam menyediakan teknologi, keterampilan, dan input lain dari luar negeri dalam menambah daya saing perusahaan serta kinerja ekonomi negara tuan rumah. Penelitian ini bertujuan untuk menganalisis pengaruh faktor ekonomi makro (pertumbuhan ekonomi, suku bunga, dan nilai tukar) terhadap Foreign Direct Investment di empat negara ASEAN, yaitu Singapura, Indonesia, Laos, dan Brunei Darussalam. Data sekunder dari World Bank tahun 2018–2023 digunakan dan dianalisis dengan metode regresi panel menggunakan Fixed Effect Model (FEM) serta pengujian asumsi klasik dan pengujian hipotesis pada STATA 17. Hasil penelitian menunjukkan bahwa secara parsial pertumbuhan ekonomi berpengaruh positif dan signifikan terhadap FDI, nilai tukar berpengaruh negatif dan signifikan terhadap FDI, dan suku bunga tidak berpengaruh signifikan terhadap FDI. Secara simultan, variabel pertumbuhan ekonomi, suku bunga dan nilai tukar mempengaruhi Foreign Direct Investment.
Penerapan Quality Function Deployment untuk Meningkatkan Kualitas Pelayanan Berdasarkan Kebutuhan Pelanggan Kafe Lingkar Coffee dan Idea Sutanto, Dhafin Naufal
Jurnal Ekonomi dan Bisnis Vol. 4 No. 1 (2025): Maret 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i1.12547

Abstract

This study aims to identify service attributes required by customers at Lingkar Coffee & Idea Cafe through the left room of HOQ model, as well as to determine the priority of needs and technical responses of the company. Based on the dimensions of Servqual service quality, the attributes identified include the Tangible dimension such as cleanliness and visual appeal of the cafe, the Reliability dimension such as clarity of promotional information and consistency of taste, the Responsiveness dimension such as speed of service, the Assurance dimension such as parking security and availability of facilities, and the Empathy dimension such as employee friendliness. The priority of customer needs shows that employee friendliness and politeness are the most important attributes, followed by billing accuracy and good communication between employees and customers. The company`s technical responses include factors of place, service, cleanliness, evaluation, and facilities, with the highest technical response priority being smiles, greetings, and salutations, followed by criticism and suggestions, and building form. This study provides insight into key areas that need attention to improve customer satisfaction and service effectiveness in cafes. Penelitian ini bertujuan untuk mengidentifikasi atribut pelayanan yang dibutuhkan oleh pelanggan di Kafe Lingkar Coffee & Idea melalui model Ruang Kiri Rumah Kualitas, serta menentukan prioritas kebutuhan dan respon teknis perusahaan. Berdasarkan dimensi kualitas pelayanan Servqual, atribut yang diidentifikasi meliputi dimensi Bukti Langsung (tangible) seperti kebersihan dan daya tarik visual kafe, dimensi Keandalan (reliability) seperti kejelasan informasi promosi dan konsistensi rasa, dimensi Daya Tanggap (responsiveness) seperti kecepatan layanan, dimensi Jaminan (assurance) seperti keamanan parkir dan ketersediaan fasilitas, dan dimensi Empati (empathy) seperti keramahan karyawan. Prioritas kebutuhan pelanggan menunjukkan bahwa keramahan dan kesopanan karyawan adalah atribut terpenting, diikuti oleh ketepatan tagihan dan komunikasi yang baik antara karyawan dan pelanggan. Respon teknis perusahaan mencakup faktor tempat, pelayanan, kebersihan, evaluasi, dan fasilitas, dengan prioritas respon teknis tertinggi adalah senyum, salam, dan sapa, diikuti oleh kritik dan saran, serta bentuk bangunan. Penelitian ini memberikan wawasan tentang area-area utama yang perlu diperhatikan untuk meningkatkan kepuasan pelanggan dan efektivitas pelayanan di kafe.
Pengaruh Kualitas Produk, Promosi, Brand Image, dan Celebrity Endorser Terhadap Keputusan Pembelian Garnier Azzura, Estefania
Jurnal Ekonomi dan Bisnis Vol. 4 No. 1 (2025): Maret 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i1.12550

Abstract

This study aims to analyze the effect of product quality, promotion, brand image, and celebrity endorsers on purchasing decisions using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) approach. The population of this study were consumers who had purchased Garnier products, with a sample of 144 respondents selected using purposive sampling techniques. Primary data were collected through questionnaires and analyzed using the SEM-PLS method with SmartPLS software. The analysis results show that: 1) Product quality has a positive and significant effect on purchasing decisions. 2) Promotion does not have a significant effect on purchasing decisions. 3) Brand image has a positive and significant effect on purchasing decisions. 4) Celebrity endorsers have a positive and significant effect on purchasing decisions. These findings indicate that product quality, brand image, and celebrity endorsers are the main factors influencing purchasing decisions, while promotion does not have a significant impact. The results of this study can be a guide for companies in designing more effective marketing strategies that are by consumer preferences. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk, promosi, brand image, dan celebrity endorser terhadap keputusan pembelian menggunakan pendekatan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Populasi penelitian ini adalah konsumen yang telah membeli produk Garnier, dengan sampel sebanyak 144 responden yang dipilih menggunakan teknik purposive sampling. Data primer dikumpulkan melalui kuesioner dan dianalisis menggunakan metode SEM-PLS dengan software SmartPLS. Hasil analisis menunjukkan bahwa: 1) Kualitas produk berpengaruh positif dan signifikan terhadap keputusan pembelian. 2) Promosi tidak berpengaruh signifikan terhadap keputusan pembelian. 3) Brand image berpengaruh positif dan signifikan terhadap keputusan pembelian. 4) Celebrity endorser berpengaruh positif dan signifikan terhadap keputusan pembelian. Temuan ini menunjukkan bahwa kualitas produk, brand image, dan celebrity endorser menjadi faktor utama dalam mempengaruhi keputusan pembelian, sedangkan promosi tidak memiliki dampak yang signifikan. Hasil penelitian ini dapat menjadi panduan bagi perusahaan dalam merancang strategi pemasaran yang lebih efektif dan sesuai dengan preferensi konsumen.
Pengaruh Kualitas Pelayanan, Kualitas Produk, dan Store Atmosphere Terhadap Loyalitas Pelanggan (Studi Pada Urban Coffe And Space Semarang) Firmansyah, Nabilla Fitria
Jurnal Ekonomi dan Bisnis Vol. 4 No. 1 (2025): Maret 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i1.12551

Abstract

This study aims to analyze the influence of service quality, product quality, and store atmosphere on customer loyalty at Urban Coffee and Space Semarang. The Food and Beverage (F&B) industry in Indonesia has experienced rapid growth, with cafes emerging as a dominant segment, particularly in major cities like Semarang. Urban Coffee and Space Semarang faces challenges in maintaining customer loyalty due to several complaints related to service quality, product quality, and store atmosphere. This research employs a quantitative approach, with data collected through questionnaires distributed to 85 respondents who are customers of Urban Coffee and Space Semarang. Multiple linear regression analysis is used to examine the relationship between independent variables and customer loyalty as the dependent variable. The results indicate that service quality, product quality, and store atmosphere significantly affect customer loyalty. These findings emphasize that improvements in service, product consistency, and a more comfortable and attractive cafe atmosphere can enhance customer satisfaction and loyalty. Therefore, Urban Coffee and Space Semarang must focus on refining its service quality, maintaining product consistency, and creating a more inviting store atmosphere to strengthen customer loyalty. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan, kualitas produk, dan store atmosphere terhadap loyalitas pelanggan di Urban Coffee and Space Semarang. Industri Food and Beverage (F&B) di Indonesia mengalami pertumbuhan pesat, dengan kafe sebagai salah satu segmen yang berkembang pesat, khususnya di kota besar seperti Semarang. Urban Coffee and Space Semarang menghadapi tantangan dalam mempertahankan loyalitas pelanggan akibat beberapa keluhan terkait kualitas pelayanan, kualitas produk, dan store atmosphere. Penelitian ini menggunakan metode kuantitatif dengan teknik pengumpulan data melalui kuesioner yang disebarkan kepada 132 responden, yang merupakan pelanggan Urban Coffee and Space Semarang. Program analisis yang digunakan yaitu IBM Statistic dengan menggunakan teknik analisis regresi linier berganda untuk menguji hubungan antara variabel independen dan loyalitas pelanggan sebagai variabel dependen. Hasil penelitian menunjukkan bahwa kualitas pelayanan, kualitas produk, dan store atmosphere berpengaruh signifikan terhadap loyalitas pelanggan. Hal ini menegaskan bahwa peningkatan dalam aspek pelayanan, produk, dan store atmosphere dapat meningkatkan kepuasan serta loyalitas pelanggan. Oleh karena itu, Urban Coffee and Space Semarang perlu memperbaiki kualitas pelayanannya, menjaga konsistensi produk, serta menciptakan suasana cafe yang lebih nyaman dan menarik bagi pelanggan
Studi Terhadap Minat Beli Ulang Pada Hidden Gem Warga Lokal Kafe Wijaya, Bagus Ady
Jurnal Ekonomi dan Bisnis Vol. 4 No. 1 (2025): Maret 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i1.12553

Abstract

This study analyzes the influence of product quality, price, location, and store atmosphere on customer repurchase intention at Warga Lokal Cafe, Semarang. Repurchase intention is crucial in the highly competitive coffee shop industry. Using a quantitative method, this study distributed questionnaires to 115 respondents who had made at least two purchases. Data was analyzed using PLS-SEM. The results show that product quality, price, location, and store atmosphere have a positive and significant influence on repurchase intention, with the greatest influence on location, followed by price, store atmosphere, and product quality. It is important for Warga Lokal Cafe to improve product quality, adjust prices, enhance accessibility, and create a better store atmosphere to attract and retain customers. Penelitian ini menguji pengaruh kualitas produk, harga, lokasi, dan suasana toko terhadap minat beli ulang konsumen di Warga Lokal Kafe, Semarang. Minat beli ulang sangat penting di tengah persaingan ketat industri kafe. Dengan metode kuantitatif, penelitian ini menyebarkan kuesioner kepada 115 responden yang telah melakukan minimal dua kali pembelian. Data dianalisis menggunakan PLS-SEM. Hasil menunjukkan bahwa kualitas produk, harga, lokasi, dan suasana toko berpengaruh positif dan signifikan terhadap minat beli ulang, dengan pengaruh terbesar pada lokasi, diikuti oleh harga, suasana toko, dan kualitas produk. Penting bagi Warga Lokal Kafe untuk meningkatkan kualitas produk, penyesuaian harga, aksesibilitas, dan suasana toko untuk menarik serta mempertahankan pelanggan.

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