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ManBiz: Journal of Management and Business
Published by Institut Agama Islam Nasional Laa Roiba Bogor
ISSN : -     EISSN : 28299213     DOI : 10.47467/manbiz
Core Subject : Religion, Economy, Education, Engineering,
Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering
ManBiz: Journal of Management and Business is a peer-reviewed national journal on Management, Islamic Management, Economics, Financen and Business by Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in cooperation with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies (IAFORIS). This journal focused on management, Islamic management, economics, finance, business studies and contemporary developments through the publication of articles, research reports, and book reviews. The ManBiz specializes in management, Islamic management, economics, finance, and business studies and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. The Journal published three times a year every February, June, October. E-ISSN 2829-9213.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 97 Documents
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Analisis Ekonomi Syariah Terhadap Transformasi Digital dalam Keuangan Islam Sakinah Mawahdah; Yosy Arisandy; Esti Alfiah
ManBiz: Journal of Management and Business Vol. 4 No. 1 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v4i1.9633

Abstract

The purpose of this study is to explore how digital technology can be integrated into the Islamic financial system while adhering to the principles of Shariah economics, and to examine the impact of digital transformation on Islamic financial inclusion, the digital divide, and economic justice in countries with large Muslim populations. This research is a library study employing a descriptive qualitative approach. Data were collected by reviewing and analyzing literature relevant to the topic. The data analysis technique used in this study was conducted with ATLAS.ti 25. The findings reveal that: (1) The integration of digital technology holds significant potential to modernize Islamic finance through Shariah-compliant fintech. However, Shariah compliance (prohibition of riba, gharar, and maysir), security, justice, and consumer protection are top priorities. Enhancing digital and Islamic financial literacy is essential for effective and inclusive technology adoption. Collaboration among stakeholders is vital to realize this potential for a just and sustainable economy. (2) Digital transformation offers considerable opportunities to enhance Islamic financial inclusion through efficient and affordable Shariah fintech innovations. The key challenge lies in addressing the digital divide to ensure that the benefits are distributed equitably and do not exacerbate economic injustice.
Peran Cost-Benefit Analysis, Short-Term Resource Allocation, dan Operational Flexibility terhadap Efektivitas Pengambilan Keputusan Taktis Arfianingrum, Feronika; Nurjana, Yeni Kartika Dewi; Izzah, Lidh Iatul; Widyanti, Novita Melliyana; Tangpen, Lebrina Lorince; Rihi, Elsy Margaritha Prastisye; Hwihanus, Hwihanus; Pandin, Maria Yovita R
ManBiz: Journal of Management and Business Vol. 4 No. 2 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The current competitive and dynamic business era, encourages companies to be able to adapt and be able to make decisions quickly and appropriately. Short-term tactical decision making plays an important role in the company in maintaining the sustainability, profitability, and competitiveness of the company. In making tactical decisions, the integration between Cost-Benefit Analysis (CBA), Short-Term Resource Allocation (STRA), and Operational Flexibility (OF) plays an important role the purpose of this study to determine the role of Cost-Benefit Analysis, Short-Term Resource Allocation, and Operational Flexibility to the effectiveness of tactical decision making. This study comprehensively discusses how Cost-Benefit Analysis (CBA), Short-Term Resource Allocation (STRA), and Operational Flexibility (OF) work as three main pillars that complement each other in determining the quality of a company's tactical decisions. The CBA is tasked with evaluating financial viability through benchmarking relevant costs and benefits; the STRA ensures limited resources are allocated effectively according to priorities; while OF provides adaptability so that tactical decisions can be applied flexibly despite sudden changes in the business environment. The integration of the three concepts creates rational, efficient and adaptive tactical decisions. This study uses qualitative research methods with literature review approach.
Pengaruh Brand Awareness, Promosi dan Citra Merek terhadap Keputusan Pembelian Produk Pie Susu Ajik Krisna Oleh-Oleh Bali Santoso, Sisilia Ananda; P, Kadek Wulandari Laksmi
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The purpose of this study was to determine the effect of brand awareness, promotion, and brand image on purchasing decisions for Ajik Krisna milk pie products, Balinese souvenirs. This study was conducted in Denpasar City and Badung Regency, Bali, as the operational centers of PT. Krisna Nusantara Group and the main locations for Ajik Milk Pie consumers. The population in this study was all consumers of Ajik Milk Pie whose number was not known for certain. Therefore, the sample determination used a non-probability sampling technique with the criteria of having purchased Ajik Milk Pie at least once in the last six months and being at least 17 years old. The sample size was determined based on Rambut guidelines, namely the number of indicators multiplied by a scale of 10 to obtain 180 respondents. Based on the results of the research that has been conducted, it can be concluded that the three variables studied, namely, brand awareness, promotion, and brand image have a positive influence on consumer purchasing decisions for Ajik Krisna Milk Pie. This finding indicates that the higher the level of consumer awareness of the brand, the more effective the promotional strategy carried out, and the better the company's brand image, the greater the consumer's tendency to make a purchase. Thus, efforts to improve these three aspects simultaneously will make a direct contribution to improving consumer purchasing decisions.
Membangun Loyalitas Karyawan di Lembaga Budaya: Peran Motivasi, Budaya Organisasi, dan Pelatihan di UPTD. Monumen Perjuangan Rakyat Bali Maharani, Ni Putu Ayu Rishya; Adriati, I Gst. Ayu Wirati; Parasari, Nyoman Sri Manik; Korry, Putu Dyah Permatha
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

Differences in treatment between civil servants and contract employees continue to influence work dynamics within public institutions. At the Bali Struggle Monument (MPRB), disparities in employment status, training opportunities, and reward mechanisms have the potential to reduce employees’ sense of fairness and loyalty. This study aims to examine the influence of motivation, organizational culture, and training both individually and simultaneously on employee loyalty. The sample in this research consisted of 82 employees at UPTD Monumen Perjuangan Rakyat Bali. The data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, the coefficient of determination, as well as F-tests and t-tests. The findings show that motivation has a positive and significant effect on employee loyalty, organizational culture also has a positive and significant effect, and training likewise demonstrates a positive and significant impact on loyalty. In addition, motivation, organizational culture, and training together significantly influence employee loyalty.    
Pengaruh Harga terhadap Kepuasan Pelanggan melalui Electronic Word of Mouth sebagai Variabel Mediasi pada Usaha Dekorasi Cutey Lasting Fleur Putra, Bintang Damara Regaswara S.; Putri, Putu Riana Artyanti
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to analyze the effect of price on customer satisfaction with electronic word of mouth (e-WOM) as a mediating variable at Cutey Lasting Fleur, a decoration business located in Denpasar. The research is motivated by customer complaints regarding price–value mismatch and negative online reviews, which have the potential to affect the company’s image. This research employs a quantitative approach using Partial Least Squares – Structural Equation Modeling (PLS-SEM) for data analysis. Primary data were collected through a Likert-scale questionnaire distributed to 140 respondents who had previously used Cutey Lasting Fleur’s services. The results are expected to reveal the direct influence of price on customer satisfaction and the mediating role of e-WOM in strengthening this relationship. Theoretically, this study contributes to marketing management literature, particularly in understanding consumer behavior and digital communication. Practically, the findings are expected to serve as a strategic reference for decoration service providers in designing fair pricing strategies that enhance customer satisfaction and foster positive online word of mouth.
Analisis Empiris Pengaruh Gopay Digital Financial Literacy dan Mobile Payment Behavior Analytics terhadap Personal Financial Management Accounting dengan Moderasi Financial Self-Control Sudertiani, Ni Putu Ayu Cahya; Prawitasari, Putu Putri
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The development of financial technology has driven the increasing use of digital wallets such as GoPay, especially among millennials and Generation Z. The ease of digital transactions, on the one hand, provides efficiency, but on the other hand, has the potential to trigger consumptive behavior that can weaken personal financial management. This study aims to analyze the influence of GoPay Digital Financial Literacy and Mobile Payment Behavioral Analytics on Personal Financial Management Accounting, with Financial Self-Control as a moderating variable. This study uses a quantitative approach with a survey method through a Likert-scale-based questionnaire. The research sample consisted of 160 respondents who were active GoPay users aged 18–35 years and domiciled in Denpasar City. The data analysis technique used Structural Equation Modeling (SEM) based on Partial Least Square (PLS) with the help of SmartPLS software. The results of the study indicate that GoPay Digital Financial Literacy has a positive and significant effect on Personal Financial Management Accounting. Mobile Payment Behavioral Analytics has also been shown to have a positive and significant effect on Personal Financial Management Accounting. In addition, Financial Self-Control has been shown to moderate the influence of GoPay Digital Financial Literacy and Mobile Payment Behavioral Analytics on Personal Financial Management Accounting, thereby strengthening individuals' ability to manage personal finances in a more disciplined and structured manner. These findings indicate that digital financial literacy and good transaction behavior patterns need to be balanced with financial self-control so that the use of digital wallets can have a positive impact on personal financial well-being.
Analisis Strategi Penetapan Tarif Pelayanan Pasien Cerebro Vascular Accident (CVA) Infark Menggunakan Metode Time Driven Activity Based Costing: Studi Kualitatif di Rumah Sakit Wava Husada Malang Qohardita, Risa; Andriani, Rian; Kusnadi, Dadang
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

Hospitals are complex organizations because they have two functions, namely as social units and profit units, in the BPJS era hospitals in Indonesia face various challenges, one of which is that the number of INACBGs claims is smaller than the hospital's operational costs. Stroke is a catastrophic disease that has serious life-threatening complications, requires intensive care long-term care, and also requires high financing. Currently, hospitals in Indonesia, especially Wava Husada Hospital, still use an inefficient and inaccurate administrative process where the determination of hospital rates still uses a conventional system. The TD ABC method can be used to support cost transparency, increase profitability, and generate more accurate unit costs. This study uses a qualitative research design with a case study type, the research object of this study is the unit cost of service for CVA Infarction patients without complications from the time the patient is admitted to the emergency room until the patient returns home from the stroke installation. analyzed using cost benefit analysis (NPV, IRR, PBP, and PI). The total unit cost is Rp 4,807,638.43. Payback Period 6 years 4 months 11 days, Profitability Index is not worth continuing because it is worth < 1, Net Present Value -Rp3,199,846,858.00 (Negative), NPV is not financially feasible because it still suffers losses, Internal Rate of Return with an internal rate of return from an investment of 2.71% (Low). The basic rate of Wava Husada Hospital for the service of one patient with CVA infarction without complications is Rp5,268,151, while with the TD ABC method the cost incurred for one patient is Rp4,807,638.43 with a difference of Rp460,512.57.
Evaluasi Manajemen Limbah Medis di Puskesmas Kabupaten Luwu Makmur, Afifah Idelma; Wahyudi, Bayu; Widjaja, Yani Restiani
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

Medical waste is a hazardous by-product of healthcare activities that poses risks to human health and the environment, requiring proper management in accordance with regulations. This qualitative study evaluated medical waste management at Puskesmas Ponrang and Puskesmas Ponrang Selatan in Luwu Regency through naturalistic observation and in-depth interviews with the head of the Puskesmas, environmental health officers, and cleaning staff. The findings show that waste segregation between medical and non-medical waste has been implemented using yellow and black plastic bags, although standardized labeling and color coding are not fully applied. Waste is collected daily, but supporting facilities such as closed trolleys and temporary storage areas remain inadequate. In addition, transportation to third-party waste handlers is irregular, causing occasional waste accumulation, and the Puskesmas lack incinerators, making them dependent on external parties for final disposal. Overall, medical waste management in Luwu Regency’s Puskesmas has not fully complied with Ministry of Health Regulation No. 7 of 2019 and Ministry of Environment and Forestry Regulation No. P56 of 2015, indicating the need for improved facilities, enhanced staff training, and more integrated transportation and disposal systems to reduce health and environmental risks.
Pengaruh Kemampuan Kerja dan Keterlibatan Kerja terhadap Organizational Citizenship Behavior dengan Tanggung Jawab sebagai Variabel Mediasi pada Pegawai Puskesmas Mempawah Hilir Kalimantan Barat Adzra, Nadira Aqilla; Andriani, Rian; Efawati, Yen
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

Organizational dynamics in today's workplace require employees not only to perform their core duties but also to undertake extra tasks beyond their responsibilities. This behavior is known as organizational citizenship behavior, a voluntary behavior that goes beyond formal obligations but has a positive impact on teamwork and organizational effectiveness. Work ability, work engagement, and responsibility are factors that drive organizational citizenship behavior. Employees with high work ability and work engagement will be responsible for their tasks and work. This study aims to determine and analyze the influence of work ability and work engagement on organizational citizenship behavior with responsibility as a mediating variable among employees at Puskesmas Mempawah Hilir Kalimantan Barat. The study population consisted of 55 individuals, comprising a sample size of 55 individuals. This quantitative study employed a causal descriptive approach and was analyzed using outer and inner model tests, hypothesis testing, and mediation analysis with Smart PLS. The result show that work ability has a positive and significant effect on responsibility, work ability has a negative but significant effect on organizational citizenship behavior, work ability has a positive and significant effect on organizational citizenship behavior mediated by responsibility, work engagement has a positive and significant effect on responsibility, work engagement has a positive and significant effect on organizational citizenship behavior, work engagement has a positive and significant effect on organizational citizenship behavior mediated by responsibility, and work ability and work engagement simultaneously have a positive and significant effect on organizational citizenship behavior mediated by responsibility.
Analisis Faktor Penyebab Kegagalan Minimarket Waralaba dalam 2–3 Tahun Pertama Operasional Herdianto, Herdianto; Fasya, Diva Dinar; Ahtisya, Syauqi; Rukmana, Ovalia
ManBiz: Journal of Management and Business Vol. 4 No. 3 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The rapid growth of modern retail in Indonesia has accelerated the expansion of franchise minimarkets across urban and semi-urban areas. Despite their standardized operating systems and brand advantages, many franchise minimarket outlets fail and close within the second to third year of operation. This study aims to identify and explain the key factors contributing to early franchise minimarket failure through a qualitative approach that foregrounds owners’ lived experiences and interpretations of failure. Data were collected through in-depth interviews with former franchise minimarket owners whose outlets had ceased operations, and were strengthened through netnography and document analysis as triangulation to enhance credibility. All qualitative data were analyzed using NVivo 15 following a thematic analysis procedure involving data familiarization, open coding, categorization, and theme development to reveal dominant patterns underlying business closure. The findings indicate that franchise minimarket failure is a multifactor phenomenon shaped by the interaction of internal and external pressures. Key internal drivers include weak marketing management, limited capability to develop adaptive sales strategies, and escalating operational costs. External drivers include non-strategic locations, shifting customer traffic patterns, declining local purchasing power, and aggressive competition from large networked modern retailers. Outlets established without adequate market feasibility assessment were more vulnerable to recurring losses and cash-flow constraints, ultimately leading to closure. These findings underscore the importance of rigorous pre-entry planning, strengthened managerial capacity, and supportive zoning policies to improve the sustainability of franchise minimarkets.

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