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INDONESIA
JER
Published by Universitas Muslim Indonesia
ISSN : -     EISSN : 26206196     DOI : https://doi.org/10.57178/jer.v6i1
Core Subject : Economy, Humanities, Science,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Jurnal Economic Resource_(JER) is open access. This journal is published in _ March & September. Journal of Economic Resources|e-ISSN 2620-6196] is a peer-reviewed journal published twice a year (March & September) by the Faculty of Economics and Business, Universitas Muslim Indonesia_UMI. Journal of Economic Resource is a research work to publish articles that report the results of Economics. The Journal of Economic Resources invites manuscripts on various topics in Economics but not limited to Functional Development Economics; entrepreneurship; Management Development; and Accounting.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 658 Documents
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Influential Elements in Consumer Decision-Making on E-Commerce Applications: A Study in North Minahasa Walean, Frandy; Walean, Ronny; Koyongian, Yeane
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1400

Abstract

This study investigates the key factors influencing consumer purchasing decisions through e-commerce applications in North Minahasa Regency, Indonesia. While prior research has largely concentrated on national and urban markets, limited empirical evidence exists regarding consumer behavior in regional contexts. Addressing this gap, the study employs an exploratory factor analysis approach using data collected from 152 respondents who meet specific e-commerce usage criteria. Principal component analysis revealed four dominant factors affecting purchasing decisions: Shopping Convenience, Technological Advancement, Attractive Features, and Social Influence. These factors together explain 70.92% of the total variance in consumer decision-making. Shopping Convenience emerged as the most influential, highlighting the importance of trust, security, and ease of use. The findings provide valuable insights for both academia and e-commerce stakeholders, particularly in optimizing marketing strategies and platform development to suit regional consumer needs. Limitations include geographical scope, sample diversity, and platform generalization. Future research is recommended to explore a broader demographic and additional influencing variables, such as environmental or technological innovations.
Analysis Of Time Value Of Money (TVM) As A Tool For Investment Decision-Making In Small And Medium Enterprises During An Economic Slowdown Wahyudi , Andi Nurdiansyah; Muchran , Muchriana
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1401

Abstract

The economic slowdown occurring in Indonesia in 2025 has significantly impacted the sustainability of Micro, Small, and Medium Enterprises (SMEs). This article focuses on discussing and analyzing the role of the Time Value of Money (TVM) concept as a crucial tool in investment decision-making for MSMEs amid uncertain economic conditions. Using official secondary data from the Central Statistics Agency and the Ministry of Cooperatives and MSMEs, this analysis demonstrates how the application of Time Value of Money enhances the effectiveness of investment evaluation and capital management within MSMEs. The analysis results indicate that using the Time Value of Money concept can enhance the effectiveness of investment decision-making in SMEs, which is crucial for sustaining business operations in the face of uncertain economic conditions in the future
Implementation of Total Quality Management (TQM) on Company Operational Performance Kadafi R , Muhammad; Junaidin, Junaidin; Yusri, Andi Irsandi
Jurnal Economic Resource Vol. 7 No. 2 (2024): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v7i2.1406

Abstract

This study aims to explain how implementing Total Quality Management (TQM) can improve a company’s operational performance. TQM is a management approach that focuses on continuous improvement, customer satisfaction, and employee involvement. By applying TQM principles such as quality planning, process control, and teamwork, companies can reduce waste, increase efficiency, and improve product or service quality. The study finds that companies that consistently apply TQM tend to achieve better productivity, faster response time, and higher customer satisfaction. Therefore, TQM is an effective strategy for improving overall operational performance.
Factors Influencing Indonesia's Food Inflation: An ARDL Approach, 2020–2024 Priastiwi, Dian
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1408

Abstract

This study aims to analyze the impact of natural disasters, food production, and the exchange rate on food inflation in Indonesia. Employing a quantitative approach, the research utilizes the Autoregressive Distributed Lag (ARDL) model. The Bound Test results indicate a cointegrating relationship among the variables, suggesting the existence of a long-run relationship. Short-run estimations reveal that food inflation is significantly influenced by its values from the preceding three periods, as well as natural disasters at the first lag. Conversely, food production and the exchange rate do not have a significant short-term effect. In the long term, only natural disasters significantly affect food inflation
Antecedent Factors of Orthodontic’s Patients Satisfaction and Its Impact on Positive Word of Mouth at Private Specialist Dental Clinic X in Tangerang Selatan Priyanto, Benita Novitasari Priyanto; Berlianto, Margaretha Pink
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1413

Abstract

The purpose of this study was to determine the antecedent of orthodontic patient satisfaction and analyze its impact on positive word of mouth recommendations (PWOM) related to orthodontic treatment. This is a quantitative survey study with a cross-sectional data collection method. The questionnaire questions with likert scale 5 points were used and adjusted to questions that already exist in previous literature. Data collection was carried out purposively with a non-probability sampling technique on the population of orthodontic patients who came to the Private Specialist Dental Clinic X in South Tangerang in the period March - April 2025. The total respondents obtained were 140 respondents that were undergoing orthodontic treatment at the clinic. PLS SEM method is used to analyze the collected data and test the hypothesis. The results of this study indicate a significant positive relationship between the variables of Facilities, Cleanliness, Dental Equipment, Dental Supplies, Orthodontist’s Technical Skills, Doctor-Patient Relationship, Staff, Treatment Duration, Location Accessibility, Appointment Scheduling, and Organization Administration and Positive Word of Mouth, mediated by Orthodontic Patient Satisfaction at the Private Specialist Dental Clinic X in South Tangerang. The five variables with the greatest influence on orthodontic patient satisfaction, in order of importance, are Dental Equipment, Organization Administration, Doctor-Patient Relationship, Treatment Duration, and Staff. The results of this study provide managerial implications for every Private Dental Clinic in identifying the antecedent factors of orthodontic patient satisfaction that can enhance word-of-mouth recommendations and ultimately increase the number of new orthodontic patients. However, this study has several limitations, which are followed by recommendations for future research.
Evaluation of Cybersecurity Implementation in the Master Plan for Information Technology (RITI) of Indonesian Banking in the Digital Era Erlangga, Faezal; Abdurrahman, Lukman
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1420

Abstract

The purpose of this study is to evaluate the implementation of cybersecurity policies outlined in the Master Plan for Information Technology (RITI) within Indonesia’s digital banking sector, with a specific focus on assessing their effectiveness in mitigating increasingly sophisticated cyber threats. Employing a descriptive qualitative research design, this study uses a literature review approach based on credible sources, including peer-reviewed scientific articles, regulatory policy documents, and case studies involving cyberattacks on Indonesian banks. The findings indicate that while the regulatory frameworks established by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) serve as a solid foundation for cybersecurity governance, their implementation remains inconsistent across institutions, particularly due to resource disparities between large and small banks. Smaller banks often face significant obstacles such as limited IT infrastructure, insufficient human resources, and lack of technical oversight, which hinder the full adoption of cybersecurity standards. The discussion highlights the need for more proactive supervision, tailored technical support, and the adoption of AI-driven solutions for real-time threat detection and rapid incident response. The study concludes that fostering stronger collaboration between regulatory bodies, financial institutions, and private technology providers is crucial for creating an integrated and resilient cybersecurity ecosystem. These efforts are essential not only for strengthening system resilience but also for increasing customer trust in digital banking services.
Employee Engagement in the Emergency Department at Rumah Sakit Umum Daerah K in Jakarta: A Case Study Listyani, Nadya Kaulika; Tan, Jacob Donald
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1425

Abstract

The emergency department (ED) plays a critical role as the frontline of healthcare systems, serving as the primary entry point for patients who need immediate treatment related to life safety. The quality of care in the EDs not only influences patient satisfaction but also impacts employee engagement. Employee engagement is a multifaceted psychological construct that describes the emotional, cognitive, and behavioral commitment of employees to their job and organization. This study explores the factors influencing employee engagement among ED staff at RSUD K in Jakarta through a qualitative case study approach. Using in-depth semi-structured interviews, direct observations, and field notes, the research identifies key themes including teamwork, administrative workload, access to meals and rest areas, communication with the management, and the extent to which staff aspirations are considered. Findings reveal that strong team work enhances engagement, while lack of managerial support and inadequate facilities negatively impact morale and performance. The study underscores the importance of responsive leadership and supportive work environments in promoting staff engagement in ED.
The Influence Of Factors In Dental Practice: Price, Facilities, Dentist Services, Staff Services, And Word Of Mouth With Patient Satisfaction And Patient Loyalty As Mediators At YDC Dental Clinic, East Jakarta Stephanie, Skolastika Stephanie; Hutabarat, Zoel
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1426

Abstract

dentist services, and staff services, on word of mouth, with patient satisfaction and patient loyalty as mediators at YDC Dental Clinic. This research involved 181 patients. Data collection was carried out by distributing questionnaires containing 35 questions using a 1-5 Likert Scale based on a purposive sampling technique. Data were analyzed using the PLS-SEM method. The results of this study indicate that Price, Facilities, Dentist Services, and Staff Services positively and significantly influence Patient Satisfaction. Furthermore, Patient Satisfaction was proven to have a positive and significant effect on both Patient Loyalty and Word of Mouth. Additionally, Patient Loyalty also has a positive and significant influence on Word of Mouth. Although some service dimensions (Facilities and Dentist Services) did not show a direct significant influence on loyalty, the mediating role of Patient Satisfaction is crucial in shaping loyalty and word of mouth across all examined service dimensions. These findings affirm that patient satisfaction is the primary foundation driving loyalty and word-of-mouth promotion within the context of dental healthcare services.
Optimalisasi Kinerja Keuangan: Dampak Struktur Modal dan Keputusan Investasi terhadap Profitabilitas Perusahaan Manufaktur Ardianti, Dita; Mulyati, Mulyati; Ramadhan, Rizky
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1427

Abstract

Tujuan utama dari setiap perusahaan adalah memperoleh laba, sehingga perusahaan selalu berusaha untuk meningkatkan laba dari waktu ke waktu melalui berbagai strategi bisnis. Laba yang ditargetkan tersebut umumnya diukur menggunakan rasio keuangan yang dikenal sebagai rasio profitabilitas. Rasio ini digunakan untuk menilai kemampuan perusahaan dalam menghasilkan keuntungan serta mengukur efektivitas kinerja manajemen dalam mengelola sumber daya yang dimiliki. Informasi mengenai profitabilitas sangat penting bagi investor karena menjadi dasar utama dalam pengambilan keputusan investasi di pasar modal. Investasi sendiri sangat dipengaruhi oleh ketersediaan dana, baik yang bersumber dari eksternal (utang) maupun internal (ekuitas). Struktur modal yang tepat dan optimal akan membantu perusahaan meminimalkan biaya modal serta meningkatkan nilai perusahaan secara keseluruhan. Di sisi lain, keputusan investasi juga menjadi elemen penting dalam meningkatkan nilai perusahaan. Penelitian ini bertujuan untuk mengetahui pengaruh struktur modal dan keputusan investasi terhadap profitabilitas perusahaan manufaktur di BEI periode 2022–2024 dengan pendekatan kuantitatif. Menggunakan data numerik untuk menganalisis hubungan antara variabel-variabel yang diteliti. Hasil penelitian menunjukkan secara parsial struktur modal tidak berpengaruh terhadap profitabilitas, sementara keputusan investasi berpengaruh signifikan. Namun, secara simultan, keduanya berpengaruh signifikan. Temuan ini memiliki implikasi bagi manajemen, investor, dan peneliti selanjutnya.
Corporate Social Responsibility as a Moderator of Good Corporate Governance with Company Performance Syamsuddin, Fajar Rakasiwi
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1428

Abstract

This study aims to understand financial literacy as a preventive measure against consumer behavior resulting from online loans. The problem addressed is the increasing use of online loans, which often leads users to fall into uncontrolled consumer behavior. The method employed in this study is a literature review, examining various relevant references and previous research. The analysis focuses on literature discussing the relationship between financial literacy and consumer behavior, as well as the factors influencing decisions to use online loans. The findings indicate that high financial literacy plays a crucial role in reducing consumer behavior; individuals with a good understanding of financial management tend to be more cautious when taking online loans and are better able to manage their expenditures. These findings emphasize the importance of financial literacy education as an effective preventive step to mitigate the negative impacts of online loans on society. This research makes a significant contribution to the understanding of the importance of financial literacy in the context of online lending and consumptive behavior and forms the basis for further research in this area.

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