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Ecobankers : Journal of Economy and Banking
Published by Universitas Islam Bunga Bangsa Cirebon
ISSN : -     EISSN : 27466949     DOI : 10.47453
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Communicative adalah jurnal Program Studi Komunikasi dan Penyiaran Islam, Fakultas Dakwah dan Komunikasi, Institut Agama Islam Bunga Bangsa Cirebon. Jurnal Communicative merupakan jurnal publikasi ilmiah yang berupaya memfasilitasi dan menyediakan artikel ilmiah hasil penelitian empiris dan analisis-reflektif bagi para praktisi dan akademisi. Jurnal Communicative yang diharapkan dapat berkontribusi dalam mengembangkan teori dan mengenalkan konsep-konsep baru di bidang komunikasi penyiaran Islam dalam perspektif yang luas. Jurnal Communicative terbit dua kali dalam se tahun: Juni dan Desember Jurnal Communicative mengundang penulis, para ahli dan segenap sivitas akademika untuk menulis artikel ilmiah sesuai dengan fokus dan scope jurnal Communicative. Isi tulisan sepenuhnya menjadi tanggung jawab penulis masing-masing.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 176 Documents
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The Influence of Lifestyle, Cashless Society and Residential Location on the Intention to Use QRIS as a Payment Tool Rarawahyuni, Ika; Putri , Wulandari Eka; Sukarnoto, Toto; Paramole, Ibrahim Babatunde
Ecobankers : Journal of Economy and Banking Vol. 6 No. 1 (2025): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v6i1.3166

Abstract

As the digital age progressed, several updated technologies were implemented, with the sole one affecting the incorrect payment method. People now choose to employ convenience while transacting with different types of matters. This research examines the effects of QRIS as a payment instrument on the Cirebon Regency community regarding their lifestyle choices, cashless society, and place of residence. This study utilises data from communities within the Cirebon Regency area. The research method employed is quantitative field research, which uses data analysis techniques, including instrument validity testing, reliability testing, classical assumption testing, hypothesis testing, and R-squared testing. The study results indicate that lifestyle variables negatively influence interest in QRIS usage. The calculated t-value of -5.092 is less than the critical value of -1.966, indicating that the cashless society variable positively affects interest when using QRIS. The calculated t value (28.967) exceeds the t table value (1.966), indicating that the variable location significantly negatively influences interest in using QRIS. The calculated t value is less than the critical value from the table (-5.211 < -1.966), indicating significance. Additionally, a third independent variable influences interest, with a QRIS of 72.6%. The calculated F value exceeds the critical F value (280.807 > 2.627), further supporting the findings. This study suggests that QRIS adoption strategies must focus on fostering cashless habits, overcoming geographic accessibility challenges, and enhancing financial literacy, particularly in rural regions characterised by high e-wallet usage and low banking penetration. The recommendation for research suggests that financial institutions implement educational programs focused on the responsible use of digital payments, enhance QRIS infrastructure in rural regions, prioritise practical benefits over lifestyle associations, and collaborate with e-wallet providers to address the needs of the 35% of unbanked users.
Firm-Level Determinants of Sustainability Practices in the UK Banking Sector: A Stakeholder Perspective Echem, Kaodilichukwu Augustine; Ekemezie, Ekene
Ecobankers : Journal of Economy and Banking Vol. 6 No. 1 (2025): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v6i1.3213

Abstract

The primary objective of this study was to understand the key factors that influence the adoption of sustainability practices within banks, focusing on firm-level factors. The research employed an online survey targeting stakeholders in the UK banking sector, using structured questions to assess perceptions of sustainability practices and their alignment with financial goals. The findings revealed that, while UK banks are increasingly adopting sustainable lending and investment practices, there remains a stronger emphasis on financial performance over sustainability goals. Banks often prioritize their reputation and brand image, with customer demand playing a significant role in shaping sustainability practices. Furthermore, the study found that banks in the UK provide sufficient sustainability-related disclosures to stakeholders, meeting growing expectations for transparency. In conclusion, the study emphasizes the need for UK banks to integrate sustainability into their core strategies, balancing financial performance with environmental and social goals. The research recommends that banks strengthen their commitment to sustainability by aligning their operations more closely with stakeholder expectations and enhancing sustainability reporting practices. Additionally, policymakers should consider incentivizing sustainability practices to further promote environmental responsibility within the banking sector.
Interrogating the Contending Issues and Challenges Confronting Investment Opportunities and Ease of Doing Business in Nigeria (2015-2025) Manjo, Yusuf Garba
Ecobankers : Journal of Economy and Banking Vol. 6 No. 2 (2025): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v6i2.3581

Abstract

Nigeria's economy holds the largest market in Africa and presents significant opportunities for local and international investors. However, the ease of doing business in Nigeria has become a national issue in the last decade due to the World Bank's ease of doing business index, which has been poor in areas with productive sectors, affecting investment. This study critically examines the contending issues and persistent challenges confronting investment opportunities and the ease of doing business in Nigeria between 2015 and 2025. This study examines the impact of institutional, infrastructural, security, and policy-related factors on Nigeria’s investment environment over the last ten years. The study employs a qualitative approach supported by empirical data, policy reviews, and stakeholder perspectives to examine the challenges related to investment and the ease of doing business in Nigeria. It evaluates the effectiveness of various reforms in the business environment. It analyses how these reforms have resulted in measurable enhancements in the ease of business over the past decade. The results indicate a notable disparity between the objectives of policies and their actual implementation, as numerous enterprises continue to face challenges due to inadequate infrastructure, insecurity, excessive taxation, inconsistencies in regulations and corruption. The study concludes by offering policy recommendations geared towards enhancing transparency, strengthening institutions, and fostering a more enabling and secure environment for sustainable investment and ease of business in Nigeria.
Influence of Operational Agility on Employees' Performance in Pharmaceutical Industries in Kwara State Aremu, Moriam Adeyemi; Sulaiman, Risikat Bola; Ahmed, Taiye Hassan
Ecobankers : Journal of Economy and Banking Vol. 6 No. 2 (2025): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v6i2.3582

Abstract

Poor operational agility has been recognised as a factor affecting employees' performance. Adequate technological infrastructures, innovative capabilities, and digital transformation systems are reported to enhance workers' performance. This study examined the influence of operational agility on employees’ performance. A descriptive survey was used. The population was 435 staff of Tuyil Pharmaceutical, Ilorin. The sample was 208 employees, calculated using Taro Yamane's formula for sample size determination. A structured "Operational Agility and Employee Performance Questionnaire (OAEPQ)” was used for data collection. The reliability of the adopted questionnaire was assessed at Cronbach’s Alpha (α) with a reliability score of 0.86. Data analysis was conducted using frequency and percentage to present the answer to the research question. Regression Analysis was used to test the research Hypothesis at a 0.05 significance level. Findings showed that adaptation to technological infrastructures. Innovative capabilities and deployment of product delivery systems exert little influence on employee performance. Adopting modern IT applications for dynamic business operation processes increased employee activity efficiency. Digital transformation of systems improved employees’ efficiency, showing a greater influence on employees’ performance. Based on the findings, the study concluded that digital transformation and adopting modern IT applications for dynamic business operation processes strongly influence employees’ performance. The study recommends that employers ensure more adaptation to technological infrastructures, enhance the innovative capabilities of employees and implement massive deployment of product delivery systems to customers.
Advertising and Cultural Perspective: Trophy Billboard Advertisement in Ilorin as A Paradigm Suleman, Abubakar Sidiq; Quadri, Ibrahim Olamilekan; Saadu, Shuukrat Titilayo; Lawal, Kewulere Ma'roof; Ganiyu, Mutiu Adekunle
Ecobankers : Journal of Economy and Banking Vol. 6 No. 2 (2025): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v6i2.3583

Abstract

This study examines the relationship between advertising and the culture of the Trophy Lager beer billboard advertisement at Offa garage area of Ilorin, which generated controversy between the advertiser and the Ilorin Emirate Descendants Progressives Union (IEDPU) in the year 2023. The study's primary purpose was to determine the perception of Ilorin residents about the Trophy Lager beer advertisement. The study was underpinned by reception theory. A survey research method was adopted, and a self-administered questionnaire served as the research instrument for this study. The views of 187 residents of Ilorin were sought on their perception of the Trophy Lager beer billboard advertisement mounted at the Offa garage area of Ilorin in the year 2023. The finding revealed that, although the Trophy billboard advertisement caught the attention of most of the residents of Ilorin, it was against the Islamic cultural relevance for which Ilorin community is known. That respect for local values was highly unfavourable. The study concludes that advertising content should mirror the society through the people's language, religious customs and ideology to motivate the target buyers to purchase the advertised products. The study recommends, among others, that further research should be carried out on the influence of the Trophy Lager beer advertisement on alcohol consumption among Ilorin youth.
Impact of Motivation and Job Satisfaction on Employees’ Performance at Central Bank of Nigeria, Awka Branch Ohanyere, Chinelo Patience; Eboh, Obinna Solomon; Theresa, Ezeanolue Ekwutosi
Ecobankers : Journal of Economy and Banking Vol. 6 No. 2 (2025): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v6i2.3592

Abstract

The study is to understand the impact of motivation and job satisfaction on employee performance of Central Bank of Nigeria. To achieve the objectives set, primary and secondary sources data were used. Primary data was collected both from managerial and non-managerial employees of the Bank. The total population of the Bank branch is 200 from which 120 samples was taken using Convenience sampling technique. Much of the data was collected from the managerial category since this category performs the core jobs of the Bank which is to conduct monetary policy by managing the money supply, setting interest rates, and overseeing the banking system to maintain financial stability within a country. Correlation technique was employed to find out the relationship between two variables. Regression technique also was used to find out to which extent one variable affect the other using coefficient results. Correlation results for salary is 0.589, Transport benefits 0.421, medical benefits 0.395, extra duty allowance 0.421, carrier achievement 0.562, promotion benefits 0.672 and correlation for recognition is 0.407 which reveal existence of positive relationship between motivation and employees’ performance and therefore implying that the increase in motivation will lead to increase in employees’ performance. This situation insists on increasing attention to employee motivation practice in order to improve employee performance. The findings suggest enhancement of current motivation package by incorporating both intrinsic such as promotion, recognition, support for carrier achievement and extrinsic motivation factors such as salary, extra duty allowance, transport allowance, medical benefits will help optimum utilization of human resources as well as increasing employees’ performance. Furthermore there is pressing need to develop organisation motivation policy that will help the Central Bank Of Nigeria, Awka Branch management properly in handling motivation function.

Page 18 of 18 | Total Record : 176

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