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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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Analysis of Public Understanding of Online Loans in Banten Viewed from Financial Literacy and Consumptive Behavior with Financial Inclusion as an Intervening Variable Adysta Carina Tawakal; Basrowi Basrowi; RR. Andriani Sariwardani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2262

Abstract

This study analyzes the influence of financial literacy and consumptive behavior on understanding of online loans in Banten, with financial inclusion as an intervening variable. The rapid growth of fintech lending in Indonesia has facilitated access to financing but has also raised risks such as loan defaults, misuse of personal data, and the proliferation of illegal lending. A quantitative approach was employed using primary data collected through questionnaires. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with path analysis. Sampling using purposive sampling method and obtained samples of 398 respondents. The results indicate that financial literacy has a significant positive effect on understanding online loans and on financial inclusion. Consumptive behavior has a significant negative effect on understanding online loans but no significant effect on financial inclusion. Financial inclusion has a significant positive effect on understanding online loans and mediates the effect of financial literacy on understanding online loans. Conversely, consumptive behavior has no significant indirect effect through financial inclusion. These findings highlight the importance of improving financial literacy to enhance financial inclusion and strengthen public understanding of online lending services.
The Effect of Employer Branding and Corporate Social Responsibility on Intention to Apply for Jobs in Start-Up Companies: The Mediating Role of Corporate Reputation Muhammad Fauzi Khoirul Mz; Jati Waskito
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2263

Abstract

This study investigates the effects of employer branding and corporate social responsibility (CSR) on job application intentions toward start-up companies, with corporate reputation as a mediating variable. The research adopts a quantitative explanatory method, utilizing survey data from 150 Management students at Universitas Muhammadiyah Surakarta's Faculty of Economics and Business. Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method was used to examine the data. The findings show that employer branding and CSR have positive and significant effects on job application intention. Furthermore, employer branding and CSR significantly impact a company's reputation, which, in turn, positively affects job application intention. The mediation study demonstrates that a company's reputation partially mediates the relationships between employer branding and job application intention, as well as between job application intention and CSR. These findings highlight the strategic importance of strengthening employer branding, implementing consistent CSR practices, and building a favorable company reputation to attract potential applicants, particularly in start-up companies.
Pengaruh Kompetensi SDM, Motivasi, Kepuasan Kerja Terhadap Kinerja Karyawan PNS: Studi Kasus Pada Dinas Tenaga Kerja Kota Surakarta Dengan Kompensasi Sebagai Variabel Moderasi Davin Suryandaru Suwandi; Ahmad Mardalis
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2264

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kompetensi SDM, motivasi kerja, dan kepuasan kerja terhadap kinerja karyawan PNS dengan kompensasi sebagai variabel moderasi pada Dinas Tenaga Kerja Kota Surakarta. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Data primer dikumpulkan melalui kuesioner tertutup berbasis skala Likert 1–5 yang mencakup indikator kompetensi, motivasi kerja, kepuasan kerja, kinerja karyawan, serta kompensasi finansial dan nonfinansial. Sampel penelitian terdiri dari 49 responden yang dipilih berdasarkan keterjangkauan dan kesediaan responden. Analisis data dilakukan menggunakan SmartPLS dengan pendekatan Partial Least Squares–Structural Equation Modeling (PLS-SEM) melalui uji validitas, reliabilitas, serta pengujian hipotesis menggunakan teknik bootstrapping dengan tingkat signifikansi p-value < 0,05. Hasil penelitian menunjukkan bahwa kompetensi SDM berpengaruh positif dan signifikan terhadap kinerja PNS, sementara motivasi kerja dan kepuasan kerja tidak berpengaruh langsung secara signifikan. Kompensasi terbukti mampu memoderasi pengaruh kompetensi dan kepuasan kerja terhadap kinerja, namun tidak memoderasi hubungan antara motivasi dan kinerja. Temuan ini menegaskan pentingnya penguatan kompetensi dan sistem kompensasi yang adil dalam meningkatkan kinerja PNS.
Peran Overconfidence Dalam Memediasi Pengaruh Bias Perilaku Terhadap Keputusan Investasi Gen Z Di Kota Semarang Fajar Rizkina Rorensia; Fakhmi Zakaria; Dian Prawitasari; Linda Ayu Oktoriza
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2267

Abstract

Peningkatan jumlah investor muda di Indonesia, terutama Generasi Z, tidak selalu diiringi oleh peningkatan kualitas keputusan investasi yang rasional, mengingat besarnya pengaruh faktor psikologis. Penelitian ini bertujuan untuk menelaah pengaruh bias perilaku terhadap keputusan investasi Generasi Z di Kota Semarang, dengan overconfidence berperan sebagai variabel mediasi. Pendekatan penelitian yang digunakan bersifat kuantitatif eksplanatori, dengan metode survei terhadap 112 investor Generasi Z berusia 17–27 tahun yang dipilih menggunakan purposive sampling. Data dianalisis melalui Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS). Hasil analisis mengungkapkan bahwa bias perilaku memberikan pengaruh positif yang signifikan terhadap overconfidence (β = 0,748; p < 0,001), sementara overconfidence memiliki pengaruh negatif yang signifikan terhadap keputusan investasi (β = −0,437; p < 0,001). Selain itu, bias perilaku juga menunjukkan pengaruh negatif yang signifikan terhadap keputusan investasi (β = −0,401; p < 0,001). Lebih lanjut, overconfidence terbukti memediasi pengaruh bias perilaku terhadap keputusan investasi secara signifikan (β = −0,327; p < 0,001). Temuan ini menegaskan bahwa keputusan investasi Gen Z cenderung dipengaruhi oleh bias kognitif dan keyakinan berlebihan, sehingga pendekatan keuangan perilaku menjadi kerangka yang relevan dalam memahami perilaku investor muda di Indonesia
Strategi Adopsi Teknologi Panen Padi Sawah Menggunakan Combine Harvester Di Desa Bongoime Kecamatan Tilongkabila Kabupaten Bone Bolango Deis Talawo; Asda Rauf; Nur Silfiah Amin
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2270

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat penerimaan petani, faktor-faktor yang memengaruhi adopsi, serta strategi adopsi teknologi panen padi sawah menggunakan combine harvester di Desa Bongoime, Kecamatan Tilongkabila, Kabupaten Bone Bolango. Penelitian menggunakan metode deskriptif kuantitatif dengan 68 responden petani padi sawah. Data dikumpulkan melalui kuesioner, wawancara, dan observasi lapangan, kemudian dianalisi smenggunakan analisis tingkat penerimaan dan analisis SWOT. Hasil penelitian menunjuk kantingkat penerimaan petani tergolong rendah. Rendahnya penerimaan dipengaruhi faktor internal sepertikondisilahanberlumpur, keterampilanteknis, dan kekhawatiran kualitas gabah, serta factor eksternal berupa cuaca dan biaya operasional mesin. Strategi adopsi yang direkomendasikan adalah pelatihan petani, system sewa alsintan kelompok tani, serta dukungan penyuluh dan pemerintah.
Peran Harga, Citra Merek dan Celebrity Endorser dalam Membentuk Keputusan Pembelian Konsumen Skincare MS Glow di Kota Pati Mami Stya Widyaningrum; Amalia Nur Chasanah; Piji Pakarti; Ariati Anomsari
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2271

Abstract

Riset ini bertujuan untuk menganalisis pengaruh harga, citra merek, dan celebrity endorser pada keputusan pembelian produk skincare ms glow di kota pati. ketiga variabel dipilih karena dinilai penting dalam industri skincare, namun temuan penelitian sebelumnya masih beragam, sehingga perlu diuji kembali pada konteks ms glow. studi ini dilatarbelakangi oleh pertumbuhan industri kecantikan di indonesia serta fluktuasi penjualan ms glow selama 2023–2024. riset menerapkan pendekatan kuantitatif dengan kuesioner online kepada konsumen berusia ≥17 tahun yang pernah membeli ms glow di kota pati. analisis data dilakukan dengan partial least square (pls). hasil memperlihatkan bahwasannya harga, citra merek, dan celebrity endorser berpengaruh positif serta signifikan pada keputusan pembelian. ketiga variabel tersebut mampu menerangkan 37,2% keputusan pembelian, sementara sisanya dipengaruhi faktor lain, sehingga kemampuan prediksi model tergolong sedang. temuan ini menegaskan pentingnya penetapan harga yang tepat, penguatan citra merek, serta pemanfaatan celebrity endorser dalam mendorong keputusan pembelian konsumen. secara praktis temuan ini memberikan implikasi bagi perusahaan skincare, khususnya ms glow untuk memfokuskan strategi pemasaran pada penetapan harga yang kompetitif, penguatan citra merek, serta pemilihan celebrity endorser yang relevan guna meningkatkan keputusan pembelian konsumen. penelitian ini memperkaya kajian pemasaran dengan memberikan bukti empiris mengenai peran harga, citra merek dan celebrity endorser dalam konteks industri skincare lokal.
Analysis Of Consumer Preferences Towards The Decision To Purchase Thrifting Products In Surakarta City Alfito Akbar Wibisono; Kussudyarsana Kussudyarsana
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2272

Abstract

This study applies a quantitative research approach aimed at testing hypotheses through numerical data obtained from a Likert scale questionnaire (1–5). The data were analyzed using classical assumption tests and multiple linear regression analysis with the assistance of SPSS version 26. The research was conducted in Surakarta City starting in November 2024, involving 100 respondents who had experience purchasing thrifting products. The sample was selected using a non-probability sampling method with a purposive sampling technique, focusing on consumers domiciled in Surakarta City who had purchased thrifting products. The results indicate that brand image and product quality have a positive and significant effect on purchasing decisions, while price perception and design have a negative and significant effect on purchasing decisions. These findings suggest that strengthening brand image and product quality is essential, while pricing strategies and design preferences must be carefully aligned with consumer expectations in the thrifting market.
Pengaruh Online Customer Review, Diskon, dan Gratis Ongkir Terhadap Keputusan Pembelian Konsumen Di E-Commerce Shopee Diyah Ayu Puspita; Edy Purwo Saputro
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2275

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh online customer review, diskon, dan gratis ongkir terhadap keputusan pembelian konsumen di e-commerce Shopee. Metode penelitian yang digunakan bersifat kuantitatif dengan pendekatan purposive sampling dan rumus Lemeshow, melibatkan minimal 100 responden aktif Shopee dalam 6 bulan terakhir. Data primer dikumpulkan melalui kuesioner online dan didukung data sekunder sebagai landasan teoritis. Variabel independen meliputi Online Customer Review (X1), Diskon (X2), dan Gratis Ongkir (X3), sedangkan variabel dependen adalah Keputusan Pembelian (Y), diukur dengan skala Likert 1–5. Analisis data dilakukan menggunakan SPSS 31 dan SMARTPLS 4 melalui Partial Least Square (PLS), termasuk pengujian outer model, inner model, dan hipotesis dengan t-statistik dan p-value. Hasil penelitian menunjukkan bahwa online customer review berpengaruh positif namun tidak signifikan terhadap keputusan pembelian, sedangkan diskon dan gratis ongkir berpengaruh positif dan signifikan, menunjukkan efektivitas kedua strategi promosi dalam meningkatkan minat dan keputusan pembelian konsumen. Temuan ini memberikan implikasi bagi e-commerce dalam mengelola program promosi dan ulasan pelanggan.
Pengaruh Ukuran Perusahaan, Leverage, Likuiditas Terhadap Kualitas Laba Dengan Kepemilikan Institusional Sebagai Moderasi (Studi Empiris Pada Perusahaan Sektor Industri Barang Konsumsi Yang Terdaftar Di Bei Tahun 2021-2023) Kharisma Putri Ramadhani; Andy Dwi Bayu Bawono
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2276

Abstract

This study seeks to examine the impact of firm size, leverage, and liquidity on earnings quality, with institutional ownership serving as a moderating variable, in food and beverage companies listed on the Indonesia Stock Exchange from 2021 to 2023. The quality of earnings is increasingly significant due to the rising operational complexity of companies and the ongoing occurrence of financial statement restatements. This study employs a quantitative methodology utilising secondary data derived from corporate financial statements and annual reports. The research sample comprised 138 observations analysed through multiple linear regression utilising IBM SPSS software. The research findings demonstrate that leverage exerts a positive and significant partial influence on earnings quality, whereas liquidity has a negative and significant impact on earnings quality. Simultaneously, firm size exerts no substantial influence on earnings quality. Moderation testing indicates that institutional ownership can moderate the relationship between firm size and earnings quality, but it does not moderate the relationship between leverage and liquidity and earnings quality. All independent and interaction variables were simultaneously demonstrated to significantly influence earnings quality. The findings suggest that the contractual obligations of debt and short-term financial conditions significantly influence earnings quality, whereas company size necessitates robust oversight mechanisms to yield a beneficial effect. This research theoretically reinforces agency theory and signalling theory, while practically offering implications for management, investors, and regulators to enhance the quality of financial reporting.
A 25-Year Review of Customer Relationship Management Research in Indonesia: Evolution, Trends, and Future Directions Yeane Koyongian; Deske W. Mandagi
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2277

Abstract

Academic interest in Customer Relationship Management (CRM) has grown substantially, reflecting its strategic importance in enhancing customer value, loyalty, and organizational performance. This study systematically reviews and maps the evolution and dominant themes of CRM research in Indonesia over 25 years (2000–2025). Using a systematic literature review (SLR) of the Scopus database, 469 articles were initially identified and filtered to 226 final studies based on inclusive criteria. Bibliometric mapping and content analysis reveal six major research clusters: customer satisfaction and value; supply chain management and sustainability; business and marketing performance; loyalty and consumer behavior; relationship and customer management; and management and organizational issues. The review also identifies emerging themes, including artificial intelligence and big data analytics in CRM, omnichannel customer management, sustainable customer relationships, and the influence of Indonesia’s cultural and institutional context. By synthesizing established and emerging research streams, this study provides a comprehensive overview of CRM scholarship in Indonesia and offers directions for future theoretical and empirical research.

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