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Involvement International Journal of Business
Published by PT Agung Media Publisher
ISSN : -     EISSN : 3032485X     DOI : https://doi.org/10.62569/iijb.v1i2.13
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Authors are invited to contribute original research on a wide range of topics including financial management, marketing strategies, human resource management, entrepreneurship and innovation, international business, supply chain management, corporate governance, economics and business environment, strategic management, ecommerce and digital business, corporate social responsibility, financial technology, business management, green business practices, organizational leadership, risk management and compliance, corporate finance, small and medium sized enterprises, business ethics, and management of change.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 48 Documents
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How Digital Addiction Fuels Youth Consumerism in India? Singh, Chandra Bhooshan; Sharma, Dr. Nistha; Pandey, Dr. Shinki K
Involvement International Journal of Business Vol. 2 No. 2 (2025): April 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i2.72

Abstract

The rise of digital technology has significantly transformed consumer behavior, particularly among young individuals in India. Increased screen time, social media influence, and digital payment methods have contributed to impulsive spending habits. This study examines the impact of digital addiction on youth consumerism, emphasizing psychological, behavioral, and socio-economic factors. This study adopts a qualitative research design with a phenomenological approach with young consumers aged 18–30 in urban India. The data collection focused on digital consumption patterns, purchasing behavior, and financial awareness. Statistical analysis was employed to assess correlations between digital addiction levels and spending habits. Findings indicate that digital addiction significantly influences youth consumerism through instant gratification, Fear of Missing Out (FOMO), and algorithm-driven advertising. Social media platforms and influencer marketing intensify impulsive buying behaviors. The increasing adoption of Buy Now, Pay Later (BNPL) schemes fosters financial instability, pushing many young consumers into debt cycles. Additionally, excessive digital engagement has socio-economic implications, affecting traditional retail businesses and financial well-being. The study highlights the need for regulatory measures, including financial literacy programs and ethical digital marketing practices, to mitigate the negative impacts of digital-driven consumerism. A multi-stakeholder approach involving policymakers, educators, and businesses is essential for promoting responsible digital consumption among Indian youth.
Business Opportunities and Agricultural Sustainability in the Future Era of AgriTech Panyala, Vinisha; Bakshi, Uma
Involvement International Journal of Business Vol. 2 No. 2 (2025): April 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i2.110

Abstract

Agriculture faces increasing challenges due to climate change, requiring innovative solutions to ensure sustainability and productivity. AgriTech, encompassing precision farming, AI-driven crop management, and blockchain-based supply chains, offers promising advancements in mitigating climate change effects. However, its adoption remains limited due to economic and infrastructural barriers. This study employs a comparative analysis of AgriTech-based and traditional agricultural methods, utilizing statistical data to assess their effectiveness in addressing climate change challenges. A one-sample t-test was conducted to evaluate the significance of AgriTech interventions, highlighting differences in mean values and confidence intervals. The findings indicate that while AgriTech significantly contributes to climate change adaptation (t = 8.85, df = 49, p < .001), its impact is lower compared to traditional methods due to barriers such as high initial costs and limited access to technology. Despite this, precision agriculture, climate-smart techniques, and blockchain integration demonstrate potential for improving sustainability and efficiency. The study highlights the importance of policy support, financial incentives, and technological literacy in promoting AgriTech adoption. Business opportunities in AgriTech continue to grow, but overcoming adoption challenges requires collaborative efforts from stakeholders, including governments, investors, and farmers. AgriTech has the potential to revolutionize sustainable agriculture by balancing productivity and environmental responsibility. However, further research is needed to explore localized implementation strategies, AI integration, and economic feasibility for smallholder farmers to ensure widespread adoption.
Do Bank Mergers Improve Performance? Evidence from Indian Bank’s Operational and Financial Metrics Khasimpeera, K.; Reddy, S. Raghunatha
Involvement International Journal of Business Vol. 2 No. 2 (2025): April 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i2.114

Abstract

Bank mergers are a common strategy to enhance operational and financial performance in the banking industry. This study aims to evaluate the impact of mergers on banks in India by measuring various financial and operational metrics before and after the merger. This research employs a quantitative approach using secondary data analysis from financial reports of merged banks. Data from the pre-merger and post-merger periods were collected to compare key performance indicators, such as Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and operational efficiency ratio. A total of 10 merger cases over the last 10 years were analyzed using descriptive statistics and paired t-tests. The findings indicate that mergers positively impact several financial performance indicators. The average ROA increased from 0.85% to 1.25% within two years post-merger. ROE also rose by 2.5 percentage points. Additionally, operational efficiency improved, with the cost-to-income ratio decreasing from 48% to 43%. However, some banks experienced a decline in NIM from 3.2% to 2.9%, indicating challenges in maintaining profitability from interest-earning assets. These findings suggest that bank mergers in India generally provide benefits in terms of operational efficiency and profitability. However, the positive impact is not uniform, as some banks struggle to maintain net interest margins. Factors such as operational synergy, risk management, and regulatory policies play a role in post-merger outcomes. Bank mergers in India have a positive impact on financial and operational performance, despite certain challenges that need to be addressed. The findings of this study can serve as a reference for policymakers and bank management in designing more effective merger strategies in the future.
Capital Adequacy, Credit Risk, and Efficiency in Islamic Bank Profitability Hani, Fathi; Saputri, Ika Puji; Randyantini, Vely
Involvement International Journal of Business Vol. 2 No. 2 (2025): April 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i2.116

Abstract

Islamic commercial banks have gained prominence in Indonesia’s financial system, yet their profitability still lags behind conventional banks. Understanding the financial determinants that influence the profitability of these institutions is critical for improving their competitiveness and ensuring sustainable growth. This study investigates the effects of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Costs to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on bank profitability, measured by Return on Assets (ROA). This research adopted a quantitative approach using secondary data from the annual financial statements of 12 Islamic commercial banks registered with the Financial Services Authority (OJK) of Indonesia, covering the years 2019 to 2023. Multiple linear regression analysis was applied after conducting descriptive statistics and classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation. The regression model was used to examine the relationship between the four independent variables (CAR, NPF, BOPO, FDR) and ROA. The findings show that CAR and FDR have a significant positive effect on ROA, indicating that strong capital adequacy and efficient liquidity management improve profitability. In contrast, NPF and BOPO negatively affect ROA, demonstrating that high credit risk and operational inefficiency diminish bank performance. The regression model explains 72.3% of the variance in ROA, confirming the robustness and relevance of the selected variables in determining profitability. The results are consistent with agency and liquidity preference theories and highlight the distinctive challenges faced by Islamic banks, such as compliance-related costs and limitations in accessing conventional financial instruments. Operational efficiency, credit quality, and liquidity management emerge as critical strategic areas. 
Zakat is not Just Charity Why Professional Fund Management Shapes the Future of the Ummah Furkony, Deni Konkon Furkony; Ridwan, Ahmad Hasan; Mahmud, Mahmud; Suntana, Ija; Syaripudin, Enceng Iip; Mohd, Ismail Bin
Involvement International Journal of Business Vol. 2 No. 2 (2025): April 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i2.127

Abstract

Zakat, often perceived merely as a religious obligation or charitable act, holds untapped potential as a strategic instrument for socio-economic transformation in Muslim communities. This study argues that zakat must be viewed not just as an act of giving, but as a fund requiring professional management to realize its full impact on community development and the future of the Ummah. Using a qualitative research design, the study explores professional fund management practices in selected Zakat Management Units (UPZs) across Indonesia. Data were collected through in-depth interviews with UPZ leaders and financial managers, as well as document analysis of financial reports, program structures, and governance models. The findings indicate that UPZs which adopt professional financial governance—characterized by transparency, accountability, data-driven planning, and skilled human resources—are significantly more effective in achieving measurable outcomes such as improved mustahik welfare, sustainable livelihoods, and increased trust from muzakki. Professionalism transforms zakat from reactive charity into proactive socio-economic empowerment. This study underscores the urgency of redefining zakat management frameworks to embrace modern financial and organizational practices while remaining rooted in Sharia principles. As zakat institutions become more professional, they not only fulfill their spiritual mandate but also emerge as pivotal players in driving the long-term resilience and welfare of the Ummah. The future of Islamic social finance lies in bridging tradition with innovation through professional stewardship.
Analysis of the Wage Payment System from the Perspective of Imam Maliki Case Study of the Crackers Industry in Panyabungan Defriza, Rita
Involvement International Journal of Business Vol. 2 No. 2 (2025): April 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i2.130

Abstract

This study analyzes the wage payment system in the cracker industry in Panyabungan from the perspective of Imam Maliki's thoughts. Wage payment practices in this industry often do not align with the principles of justice and agreements prescribed in Islam, necessitating an in-depth examination. This study employs a qualitative approach with a case study method. Data were collected through observations, in-depth interviews with workers and business owners, and literature studies on Imam Maliki's views regarding wage systems. The findings indicate that the wage payment system in the cracker industry in Panyabungan tends to be non-transparent and is often implemented on a daily basis without written contracts. From Imam Maliki’s perspective, this system has shortcomings as it does not fully ensure workers' rights. Discussions with business owners revealed that economic factors and production efficiency are the primary reasons for maintaining this practice. This study reveals that although the wage system in the cracker industry has been practiced for generations, it still does not fully comply with the principles of justice in Islam according to Imam Maliki. This research has limitations in terms of geographical coverage and the number of participants. Therefore, future research can expand the study area and compare wage payment systems with the perspectives of other Islamic schools of thought.
Promoting Women Entrepreneurship through Bank Credit: A Study of the NRLM Scheme Patel, Deepshikha; Pandey, Anita
Involvement International Journal of Business Vol. 2 No. 3 (2025): July 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i3.121

Abstract

The National Rural Livelihoods Mission (NRLM) is a flagship initiative by the Government of India aimed at alleviating rural poverty by promoting women entrepreneurship through Self-Help Groups (SHGs). This study examines the role of bank credit particularly from private and co-operative banks in supporting SHGs in Raigarh District, Chhattisgarh, from 2017 to 2023. This research employed a quantitative descriptive approach using secondary data on credit disbursement and outstanding amounts sourced from bank reports. Trend analysis and percentage achievement calculations were used to assess the performance of private sector and co-operative banks in achieving NRLM credit targets. Literature-based qualitative insights supported the interpretation of institutional practices and challenges. Findings indicate a significant increase in SHG credit support over time, especially from private banks, whose credit disbursement surged post-2020. Co-operative banks demonstrated strong initial involvement, although their credit achievements fluctuated in later years. Overall, both types of banks contributed meaningfully to financial inclusion for rural women, with rising loan amounts and SHG participation. While the NRLM scheme has enhanced economic and social empowerment among women, persistent challenges remain, including limited financial literacy, collateral barriers, and restricted market access. Achievement gaps between targets and outcomes in several years suggest implementation and monitoring issues. The study recommends simplifying credit processes, expanding capacity-building initiatives, and improving access to markets to further strengthen the impact of NRLM.
Strengthening Entrepreneurial Skills and Motivation among University Students Marjukah, Anis; Ambarsari, Dwi Wanito; Sri Nugroho , Arif Julianto; Jati, Agung Nugroho; Kuntrayanto, Oki
Involvement International Journal of Business Vol. 2 No. 3 (2025): July 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i3.132

Abstract

Entrepreneurship is increasingly promoted as a strategic response to graduate unemployment and economic inequality, particularly in developing countries. Higher education institutions are expected to foster entrepreneurial readiness among students by shaping their perceptions, stimulating interest, and building competence. This study employed a qualitative descriptive approach involving 20 purposively selected students from the Faculty of Economics and Psychology at Widya Dharma University who participated in the university’s entrepreneurship development program during 2023–2024. Data were collected through semi-structured interviews and supported by document analysis and field observations. Triangulation was applied to validate the findings. The results show that 75% of students agreed that entrepreneurship can improve welfare, while 70% viewed it as a viable alternative to formal employment. A total of 60% expressed interest in trying entrepreneurship due to adequate knowledge, and 55% were willing to start a business with institutional support. In terms of competence, 75% enjoyed creativity and innovation, and the same percentage were ready to face the risk of failure. However, only 50% believed they had the potential to be entrepreneurs. Although 60% felt unashamed to learn from others and saw student organizational involvement as beneficial, 60% also acknowledged the need for external support to achieve entrepreneurial success. These findings indicate that students’ entrepreneurial readiness is promising but still requires enhancement through practical experience and mentorship. The study proposes an integrated development model to cultivate entrepreneurial readiness by targeting three dimensions namely perception, interest, and competence.
Advancing Automotive Business Strategy through Multimodal Aspect-Based Sentiment Analysis Using SSLU-GRU and YOLO Pyate, Prapullakumar Gowtham; Srinivasan, Balaji
Involvement International Journal of Business Vol. 2 No. 3 (2025): July 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i3.137

Abstract

Sentiment analysis (SA) has become a key tool in understanding consumer feedback in the automotive industry. However, most existing models are limited to unimodal data and fail to capture fine-grained, aspect-level sentiments from multimodal sources such as text, images, and video. Additionally, privacy concerns related to user-generated content remain under-addressed. This study proposes a novel Multimodal Aspect-Based Sentiment Analysis (MASA) framework that integrates textual, visual, and video data for business decision-making in the automotive sector. The framework includes a BERT-based aspect dictionary for extracting domain-specific features, SCV-YOLOv5 for object segmentation in images and videos, and a GRU model enhanced with the Sinu-Sigmoidal Linear Unit (SSLU) activation function for sentiment classification. A K-Anonymity method augmented by Kendall's Tau and Spearman's Rank Correlation is employed to protect user privacy in sentiment data. The framework was evaluated using the MuSe Car dataset, encompassing over 60 car brands and 10,000 data samples per brand. The proposed model achieved 98.94% classification accuracy, outperforming baseline models such as BiLSTM and CNN in terms of Mean Absolute Error (0.14), RMSE (1.01), and F1-score (98.15%). Privacy-preservation tests also showed superior performance, with a 98% privacy-preserving rate and lower information loss than traditional methods. The results demonstrate that integrating multimodal input with deep learning and privacy-aware techniques significantly enhances the accuracy and reliability of sentiment analysis in automotive business contexts. The framework enables better alignment of consumer feedback with strategic decisions such as product development and targeted marketing.
Sustainable Plastic Waste Collection and Distribution Strategies in Operations Management Kappagantu, Dhriti; Mahindra, Netra; Sandeep , Baseedu Sai; Mayi, Krishna
Involvement International Journal of Business Vol. 2 No. 3 (2025): July 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i3.140

Abstract

The global plastic waste crisis necessitates effective collection and distribution strategies aligned with principles of Operations Management and Sustainability. This study investigates efficient methods for managing plastic waste, focusing on mechanisms such as buy-back facilities, door-to-door collection systems, and reverse vending machines (RVMs). Among the various types of plastics, only PET, HDPE, PP, and LDPE are widely recyclable, with PET being the most preferred due to its high recyclability and potential for reuse in manufacturing. A mixed-methods approach was adopted, combining both qualitative and quantitative data collection techniques. The study involved a comparative analysis of different plastic collection strategies across various countries and regions, including deployments of RVMs in the UK, Sweden, Australia, Canada, the USA, and selected Indian cities such as Mumbai, Delhi, and Chennai. Findings reveal that RVMs offer a superior method for plastic collection due to their integrated sorting capabilities and user-friendly design. The global proliferation of over 100,000 RVM units illustrates their scalability and acceptance. Furthermore, the study highlights the environmental and economic benefits of optimized plastic waste collection, including natural resource conservation, energy savings, job creation, and reduced ecological impact. The integration of sustainable collection strategies, particularly through the deployment of RVMs, holds significant promise for enhancing waste management systems. The study emphasizes the importance of selecting appropriate technologies and infrastructures to support a circular economy. These insights contribute to operational improvements in waste logistics and support long-term sustainability goals.

Page 4 of 5 | Total Record : 48

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