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Economic and Business Horizon
Published by Publindo Akademika
ISSN : -     EISSN : 29632765     DOI : 10.54518/ebh
Core Subject : Economy,
Economics, Econometrics & Finance
Economic and Business Horizon (EBH) is an open access journal that publishes multidisciplinary economic and business research in an inclusive scope and format. It allows academics, scholars, and researchers with different backgrounds to share useful research results in the fields of management, marketing, finance, accounting, banking, information systems, corporate governance, business ethics etc. In addition, they can submit their work in the form of empirical research, theoretical and conceptual ideas, reviews, letters, and applied studies. The journal applies an efficient and objective peer review by considering each submission based on scientific merit and research integrity. This journal aims to make a significant contribution to research and knowledge worldwide through original and high-quality publications.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol. 4 No. 3 (2025): September" : 7 Documents clear
Measuring Fintech and Digital Banking Scalability to Enhance Financial Inclusion in Indonesia Pradhipta, Rama Dwika; Wafdayanti, Haasya; Mawardi, Wisnu; Pangestuti, Irene Rini Demi
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.688

Abstract

This study explores the scalability of fintech and digital banking in Indonesia as a catalyst for financial inclusion, the context centers on Indonesia’s unique challenges, including its archipelagic geography, fragmented regulatory frameworks, and a significant unbanked population (26% of adults), which hinder traditional financial services. The role of this study is to provide evidence-based insights for policymakers, financial institutions, and fintech developers to optimize scalable solutions. By conducting a systematic literature review of peer-reviewed articles, industry reports, and case studies (2015–2025), this research identifies critical drivers and barriers to scalability. Thematic analysis and comparative frameworks were employed to evaluate Indonesia’s progress against global benchmarks. Results reveal that technological infrastructure, regulatory adaptability, and strategic partnerships are pivotal to scalability. However, challenges persist, including low digital literacy and regulatory fragmentation. Data also highlight successful models, such as mobile banking platforms leveraging agent networks to reach remote areas. The article discusses these findings through the lens of collaborative governance, emphasizing the need for multi-stakeholder cooperation. Case studies of Indonesia’s leading fintech firms illustrate how localized innovations such as microloan algorithms and offline transaction modes address inclusion barriers. Key findings suggest that scalable fintech and digital banking can significantly enhance financial inclusion if supported by inclusive policies, infrastructure investment, and public private partnerships. Recommendations include harmonizing regulations, expanding digital education, and incentivizing tech innovation for rural markets. This study contributes actionable strategies to align Indonesia’s digital finance growth with sustainable development goal.
The Role of Digital Banking in Enhancing Financial Inclusion Ikmanila, Regina; Djastuti, Indi
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.689

Abstract

Access to affordable and safe financial services is a key determinant of economic participation and growth. However, some part of the Indonesian population is still unbanked. The financial inclusion index in 2023 was only 75.02%. This gap in financial access creates challenges and opportunities to achieve broader economic goals. Digital banking is present as a transformative solution to expand financial access in more inclusive manner that benefits underserved groups, including rural communities, low-income populations, and MSMEs. This study uses the Systematic Literature Review (SLR) method to examine the role, strategies, innovations, and challenges of digital banking in driving financial inclusion. Case studies from Kenya, India, and Peru show how digital banking has a positive impact on financial inclusion through various innovations such as mobile banking and digital payment platforms. Some of the challenges hindering the realization of digital banking include limited digital infrastructure, low financial and digital literacy, regulatory barriers, cybersecurity risks, and lack of public trust. The research findings highlight the need for collaborative efforts between governments, financial institutions and technology providers to build an inclusive and secure digital financial ecosystem.
The Effect of Personalized Advertising on Attitude towards Advertising and Click- Through Rate Nurhidayah, Siti; Dirgantara, I Made Bayu
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.691

Abstract

This study aims to analyse the effect of Personalized Advertising on Attitudes towards Advertising and Click-Through Rate, with Privacy Concerns as a mediating variable, focusing on AXIS card users in Semarang City. The research addresses the challenge faced by AXIS Company, a telecommunications service provider, in attracting and retaining users amidst intense market competition. The population for this study comprises AXIS Provider card users in Semarang City, with a sample size of 160 individuals who have made at least one purchase through the AXISNET application. A quantitative approach was employed, utilizing the SEM- PLS method with Smart PLS version 4 software. The analysis included testing the validity and reliability of measurement instruments and conducting hypothesis testing through bootstrapping procedures. The findings reveal that personalized advertising significantly and positively influences attitudes towards advertising and the click- through rate, with privacy concerns acting as a significant mediating variable. These results highlight the importance of privacy concerns for users and the effectiveness of personalized advertising in enhancing user attitudes towards advertising and increasing the click-through rate. This study underscores the need for effective marketing strategies that address privacy concerns to improve advertising outcomes for AXIS Company.
Organizational Culture as a Driver of Employee Engagement: A Systematic Review Nursalimah, Siti; Rachman, Ghea Ivana Kusuma; Andriyani, Andriyani; Darmastuti, Ismi
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.692

Abstract

This study aims to explore the role of organizational culture as a driver of employee engagement through a systematic review of relevant literature. Inclusive and adaptive organizational cultures have been shown to have a positive impact on employee engagement levels, contributing to improved performance and productivity within organizations. This research identifies the most influential cultural elements, such as shared values, open communication, and inclusive leadership, which significantly enhance employee motivation and engagement in day-to-day tasks. The method used is a systematic literature review based on the PRISMA guidelines to ensure a transparent process of study identification, screening, and selection. The review results show that organizational culture affects employee engagement across various types of organizations and industries, with an inclusive work environment playing a crucial role in driving employee engagement. However, gaps remain in the research on the application of organizational culture in more dynamic sectors and contexts, such as flexible and remote work environments. This study provides both academic and practical contributions for organizations to create a culture that better supports employee engagement, aiming for more optimal shared goals.
The Influence of Organizational Culture and Work Environment on Employee Loyalty Widuri, Verissa Berliana; Widjanarko, Gita Pratiwi; Batu, Kardison Lumban
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.693

Abstract

Employees are one of the most important assets for a company; therefore, it is essential for companies to build employee loyalty. This is because employees with high levels of loyalty contribute significantly to the achievement of organizational goals. This study aims to analyze the influence of organizational culture and work environment on employee loyalty. The research employed a quantitative method with an explanatory approach. The population of this study consists of Gen Z employees across various industries, with purposive sampling as the sampling technique. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 25.0. The results indicate that organizational culture has a positive influence on employee loyalty. Similarly, the work environment also has a positive impact on employee loyalty. Simultaneously, organizational culture and work environment have a positive and significant influence on employee loyalty. These findings emphasize the importance of a strong organizational culture and a conducive work environment in fostering long-term employee commitment to the company. Based on the results, it is recommended that companies consistently strengthen organizational cultural values and create a work environment that supports employee well-being and productivity in order to enhance loyalty.
Analyzing Turnover Intention at PT Surya Karya Setiabudi: The Effects of Job Insecurity, Organizational Support, and Workload Artha, Galih Nindi; Nuvriasari, Audita
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.743

Abstract

This study aims to examine the influence of job insecurity, organizational support, and workload on turnover intention among employees at PT Surya Karya Setiabudi. The background of this research lies in the growing concern over high employee turnover rates and the need to understand the factors that drive employees to consider leaving their jobs. The study employed a quantitative approach, involving 44 respondents selected through purposive sampling. Data collection was conducted using questionnaires, and instrument testing confirmed that the items used were both valid and reliable. To ensure the suitability of the regression model, classical assumption tests were conducted and indicated that the data was normally distributed, free from multicollinearity, and did not suffer from heteroscedasticity. The results of the analysis revealed that job insecurity does not have a significant impact on turnover intention, suggesting that employees may not consider job uncertainty as a primary reason to resign. Similarly, organizational support did not significantly affect turnover intention. However, workload was found to have a positive and significant effect, indicating that an excessive workload increases employees' intention to leave the organization. These findings highlight workload as the dominant factor influencing turnover intention.
Experiential Marketing, Value, and Service Quality: Impact on RedDoorz Customer Satisfaction Tirtakusuma, Christian Johny Priyo; Nuvriasari, Audita
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.753

Abstract

Customer satisfaction is a key indicator of business performance in the hospitality sector, often influenced by marketing strategies, perceived value, and the quality of service. This study aims to investigate the impact of experiential marketing, customer value, and service quality on customer satisfaction. The research employed a quantitative approach, utilizing a non-probability sampling technique, and involved 100 respondents who completed structured questionnaires. Data analysis was carried out through instrument testing, classical assumption testing, and multiple linear regression. The instrument test confirmed that the data used was both valid and reliable. Furthermore, the classical assumption test indicated that the data were normally distributed and met the assumptions of no multicollinearity and no heteroscedasticity, making the regression model appropriate for interpretation. The analysis revealed three key findings: first, experiential marketing has a positive and significant effect on customer satisfaction; second, customer value also has a positive and significant influence on customer satisfaction; and third, service quality has a negative and significant impact on customer satisfaction. In conclusion, the study demonstrates that both marketing experiences and perceived value strongly shape customer satisfaction, while poor service quality can reduce satisfaction levels.

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