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Journal of Multidisciplinary Academic Business Studies
Published by Goodwood Publishing
ISSN : -     EISSN : 30323169     DOI : https://doi.org/10.35912/jomabs
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Multidisciplinary Academic Business Studies Published by Goodwood Publishing, Journal of Multidisciplinary Academic Business Studies is an online peer-reviewed, open access scholarly journal, which publishes critical and original analysis from researchers and academic practitioners on various business issues. Journal of Multidisciplinary Academic Business Studies welcomes high-quality manuscripts covering original research articles, review articles, book reviews, case reports, and discussions aimed at advancing both theoretical and practical development on areas business. The scopes of the journal include, but are not limited to, the following fields: Accounting, Finance, Taxation, Economics, Business, Management, Marketing, Entrepreneurship, Tourism, and Sharia Finance and Economics.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 41 Documents
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The effect of financial literacy, financial experience, financial self-efficacy on consumption behavior with financial technology as a mediating variable in the millennial generation Girsang, Febrina Jayanti; Purnama, Eka Desy
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 2 (2025): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i2.2695

Abstract

Purpose: This study aims to examine the influence of financial literacy, financial experience, and financial self-efficacy on consumption behavior with financial technology as a mediating variable in the millennial generation. Research Methodology: A quantitative approach was applied using purposive sampling of 200 active e-commerce users aged 29–44 years with prior FinTech experience. Data were collected through online questionnaires and analyzed using the WarpPLS structural equation modeling. Validity, reliability, and hypothesis testing were conducted using SmartPLS 3.0. Results: The findings show that financial literacy, financial experience, and financial self-efficacy each have a significant positive effect on consumption behavior. Financial self-efficacy had the strongest direct effect. Mediation testing revealed that FinTech significantly mediated the relationship between financial self-efficacy and consumption behavior, but did not significantly mediate financial literacy or financial experience. The model explains 77% of the variance in consumption behavior and 72% through fintech mediation. Conclusions: Millennials’ financial behavior is mainly driven by self-efficacy, with fintech enhancing this effect, while its role in mediating financial literacy and experience remains limited. Limitations: The study is restricted to millennials in Indonesia and e-commerce contexts, with cross-sectional data that limit causal inference Contribution: This study highlights financial self-efficacy as the main driver of responsible consumption in the fintech era and provides insights into designing programs that combine literacy, experience, and confidence building.
Main mechanisms for stimulating reserves for industrial production growth Muxamedjanovna, Yakubova Dildar
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 2 (2025): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i2.2786

Abstract

Purpose: This study discusses how to stimulate and improve medium- and long-term reserves for the growth of gross industrial production in Uzbekistan. It highlights the factors that influence the formation of industrial development reserves, including labor productivity, utilization of production capacity, and modernization of fixed assets. Method: This study applies a methodology that integrates strategic planning with a structured evaluation model to support national innovation development. By systematically analyzing production and economic activities, it identifies the interrelated elements and conditions that contribute to industrial reserves. Results: The economic analysis revealed significant potential reserves for production growth in industrial enterprises. Through a quantitative assessment of resources and their interconnections, this study shows that labor efficiency, improved use of capacities, and investment in fixed assets are key drivers of sustainable industrial development. Conclusion: Strengthening medium- and long-term reserves is essential for Uzbekistan’s industrial growth. Effective strategies should focus on enhancing productivity, innovation, and optimal use of production systems, aligning industrial management with national innovation policies. Limitation: This study relies mainly on macro-level and generalized enterprise data, which may overlook sectoral or regional differences. The absence of longitudinal analysis also limits the ability to assess the long-term effectiveness of the proposed measures. Contribution: This study contributes to industrial economics by providing a structured framework for identifying, quantifying, and managing production reserves. Practically, it offers policymakers and industry leaders a roadmap for improving efficiency, supporting innovation, and ensuring sustainable industrial expansion in Uzbekistan.
The effect of economic freedom, economic complexity and population growth rate on per capita income Handayani, Crisnina; Marselina, Marselina; Ratih, Arvina
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 3 (2025): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i3.2957

Abstract

Purpose: This study investigates the effects of economic freedom, economic complexity, and population growth on per capita income across different groups of countries classified by income level, namely, high-, upper-middle-, lower-middle-, and low-income countries. Methodology: This study applies panel data regression using a cross-sectional dataset covering 102 countries. Per capita income is employed as the dependent variable, while the independent variables consist of indicators of economic freedom, complexity, and population growth. Separate analyses were conducted for each income group to identify heterogeneous impacts. Results: The findings revealed diverse effects across income levels. In high-income countries, only trade freedom significantly and positively influences the per-capita income. For upper-middle-income countries, none of the variables demonstrated significant effects. In lower-middle-income countries, monetary freedom is positively related to per capita income, whereas economic complexity is negatively related. In low-income countries, business freedom is the only factor that significantly enhances per capita income. Collectively, all independent variables significantly influenced per capita income across all income groups, with adjusted R² values ranging from 28.2% to 59.6%. Conclusions: The study concludes that the drivers of per-capita income vary across income classifications. The structural differences among country groups necessitate context-specific policy approaches rather than one-size-fits-all strategies. Limitations: The use of secondary cross-sectional data and a limited set of explanatory variables may not capture the full dynamics influencing income levels. Contribution: This research enriches the discourse on economic development by offering empirical evidence of differentiated impacts across income groups, providing valuable insights for policymakers in designing tailored economic strategies.
Evaluation analysis of the special autonomy fund assistance program in improving the welfare of indigenous Papuans in Kwamki Narama District, Mimika Regency Ambate, Altwer; Marlissa, Elsyan R.; Hutajulu, Halomoan
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 3 (2025): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i3.2960

Abstract

Purpose: This study evaluates the effectiveness of the Special Autonomy Fund Assistance Program in improving the welfare of Indigenous Papuans in the Kwamki Narama District, Mimika Regency, focusing on education, health, and the economy. Method: A descriptive quantitative approach was applied with 100 respondents from 10 villages, selected using the Slovin formula. Data were gathered through Likert-scale questionnaires and in-depth interviews with key stakeholders and analyzed using descriptive statistics to assess welfare improvements. Results: The findings show improvements in education (mean = 3.67) and health (mean = 3.85), reflecting better access to schools, educational support, and healthcare services. However, the economic dimension showed limited progress (mean = 3.13), with minimal impact on job opportunities, income, and household needs. The overall welfare score was 3.55, suggesting a moderately positive perception of the program. Conclusions: The program has effectively enhanced education and health but has not significantly improved economic empowerment of women. Broader strategies are needed to strengthen economic opportunities and achieve sustainable and equitable welfare outcomes. Limitations: The findings rely on perceptions within one district, limiting generalization to other Papuan regions, and do not consider qualitative factors such as cultural or governance dynamics that may affect the outcomes. Contribution: This study contributes empirical evidence to the discussion on regional autonomy, highlighting the partial success of Papua’s Special Autonomy Fund and the need for policy adjustments to better integrate economic empowerment and social development.
The importance of corporate culture in enhancing the governance of joint-stock companies Akramova, Nazokat
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 2 (2025): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i2.3027

Abstract

Purpose: This study examines the role of corporate culture in strengthening the governance mechanisms of joint-stock companies. This study aims to conceptualize how cultural values interact with governance structures to shape accountability and ethical conduct. Research methodology: A qualitative descriptive approach was applied by synthesizing philosophical, normative, and organizational frameworks from literature published between 2000 and 2023. Content analysis identified recurring themes such as values, rituals, and leadership patterns, with Deal and Kennedy’s four-level model used to assess the cultural influence on governance. Results: In Uzbekistan’s current economic renewal, joint-stock companies such as “Uzsalaman” JSC and “Maxam Chirchiq” JSC seek to improve efficiency through market alignment, equipment modernization, and cultural development. Evaluating efficiency requires sector-based indicators of cost, profit, and output, as well as internal and external conditions. A multi-indicator system offers a more accurate performance measurement that is consistent with international standards. Conclusions: Effective governance requires cohesive, value-driven teams that reinforce formal structures and shared goals. Strategic cultural programs should focus on motivation, communication, and management, aligning with organizational conditions. A strong corporate culture enhances productivity, reduces turnover, and supports governance outcomes. Limitations: This study is conceptual and does not include field-based data from joint stock companies. Contribution: This study provides a theoretical foundation linking culture with governance effectiveness and offers strategic insights for enhancing organizational performance in joint-stock enterprises.
Issues of modernizing education, healthcare, and employment sectors to ensure a prosperous life Hasanov, Rajabboy
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 1 (2024): November
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i1.3029

Abstract

Purpose: This study examines the vertical alignment of digital innovation between secondary and higher education in Uzbekistan, focusing on how digitized STEM curricula at the school level correspond to digital transformation initiatives in universities. Research methodology: This study analyzes recent reforms in Uzbekistan’s education, healthcare, and employment sectors through content analysis, statistical review, and comparative approaches. It also evaluates international best practices and proposes interconnected indicators to assess prosperity based on economic opportunities, personal freedom, and social justice. Results: Reforms have improved medical infrastructure, digital health services, job creation, and entrepreneurship. Nevertheless, challenges remain in ensuring equitable access to quality healthcare and addressing the high levels of informal employment. Bridging the gap between educational outcomes and labor market demands, as well as expanding medical insurance and preventive care, are identified as priorities for sustainable welfare. Conclusions: Uzbekistan has implemented key reforms in education, healthcare, and employment to enhance societal well-being, emphasizing digital innovation, infrastructure development, and job creation. While progress is evident, systemic challenges such as informal employment, uneven medical service quality, and mismatches between education and labor market needs persist. Addressing these issues and ensuring consistent reform implementation are essential for building a prosperous, educated, and healthy society. Limitations: This study is limited by its descriptive scope, focusing on policy directions and reform outcomes without an in-depth empirical assessment or long-term evaluation. Contribution: This study highlights the interconnectedness of education, healthcare, and employment reforms, contributing to the discourse on integrated social reform and improved national well-being.
Analysis of financial management in the implementation of Minabua Village development, Mimika Regency Asmara, Hario Pri; Marlissa, Elsyan R.; Urip, Transna Putra
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 3 (2025): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i3.3067

Abstract

Purpose: This study aimed to analyze financial management in the implementation of development in Minabua Village, Mimika Regency. The main focus is to evaluate the planning, implementation, and reporting of the village budget in line with the principles of transparency, accountability, participation, and effectiveness. Monitoring and evaluation of village funds are essential instruments for improving community welfare, with good financial management as a prerequisite for realizing sustainable village development. Methodology: A descriptive qualitative approach was employed using surveys, observations, in-depth interviews, and documentation studies. The informants included village officials and community leaders. Data were analyzed through reduction, presentation and conclusion drawing. Results: The findings indicate that financial management in the Minabua Village has shown progress. Planning has involved community participation through village deliberations but has not fully addressed the priority needs. Implementation demonstrates accountability and transparency; however, community participation remains limited. Reporting and accountability are constrained by the lack of technical capacity of village officials. Furthermore, monitoring and evaluation conducted by regional authorities are weak and largely administrative in nature. Conclusions: Although transparency and accountability in financial management are relatively strong, shortcomings in community participation and technical reporting hinder effective implementation. Stronger monitoring and evaluation mechanisms are required. Limitations: This study was limited to a single village and may not represent broader practices across Mimika Regency or Papua. Contribution: This study provides empirical insights into village financial management, offering policy-relevant recommendations to strengthen transparency, participation, and evaluation as foundations for improved village development outcomes.
Analysis of the factors affecting employee productivity at the Regional Planning and Development Agency of Mimika Regency Ayamiseba, Daud Erwin; Hutajulu, Halomoan; Marlissa, Elsyan R.
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 2 (2025): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i2.3068

Abstract

Purpose: This study aims to examine the determinants of employee productivity at the Regional Planning and Development Agency (Bappeda) in Mimika Regency. Specifically, it investigates (1) the relationship between salary and employee productivity, (2) the relationship between work relationships and employee productivity, (3) the effect of the work environment on productivity, and (4) the impact of promotion on productivity. Research Methodology: A quantitative method using SEM-PLS correlational analysis was applied. Data were obtained via a Likert-scale questionnaire. The study conducted validity, reliability, and hypothesis testing to assess relationship strength and significance among variables, ensuring robust measurement and accurate evaluation of the proposed research model. Results: The study found salary (X?) negatively influenced productivity, indicating the need to reassess compensation. Work relationships (X?) and environment (X?) positively affected productivity, highlighting collaboration and supportive conditions. Promotion (X?) showed no significant effect, suggesting weaknesses in promotion mechanisms requiring attention to improve organizational motivation and employee outcome. Conclusions: Employee productivity is more strongly influenced by relational and environmental factors than salary and promotion. Therefore, organizational improvements should focus on fostering positive relationships and enhancing the physical and psychological work environments. Limitations: This study was limited to a single regional agency, which may have affected the generalizability of the findings. Additionally, the cross-sectional design does not capture the long-term dynamics. Contribution: This study contributes to the public sector human resource management literature by highlighting the relative importance of workplace relationships and conditions over financial and promotional factors in improving employee productivity.
The role of the media in strengthening freedom of expression and democratic institutions in Uzbekistan Nurullayevich, Eshbekov Bakhodir
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 3 (2025): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i3.3089

Abstract

Purpose: This study examines the role of mass media in strengthening freedom of expression and supporting the development of democratic institutions in Uzbekistan. It emphasizes how the media operates not only as an information provider but also as a strategic tool that facilitates communication between the state and society, creating a transparent and open information environment essential for democracy. Research methodology: This study uses historical-logical, content, and systematic analyses, along with observation, to examine the evolution of media functions, legislative frameworks ensuring media freedom, and institutional practices affecting press independence and accountability in Uzbekistan. Results: The findings indicate that mass media play a decisive role in shaping public awareness, political participation, and civic culture. The transition into the digital age has expanded the functions of the media, making it a central driver of social and political change. This study underscores the urgency of building strong institutional, legal, and economic mechanisms to preserve independence, limit manipulation, and promote balanced regulation between freedom of speech and digital security, especially against misinformation and harmful content. Conclusions: Mass media in Uzbekistan has become a cornerstone for advancing democratic values and civic engagement. Sustaining this role requires coherent state policies that encourage openness and mitigate digital threats. Limitations: This study is limited to the national context of Uzbekistan and focuses primarily on institutional and legislative dimensions, thus not capturing informal or regional media dynamics. Contribution: This research enriches the scholarly debate on transitional democracies by providing insights and recommendations for policymakers, media institutions, and academics to foster free expression and consolidate democratic governance.
The use of UTAUT model to understand user intention and user behavior of mobile banking BIMA PT Bank Jateng Putro, Christophorus Bagus Ratnanto; Sugiat, Maria Apsari
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 4 (2025): August
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i4.3191

Abstract

Purpose: This study explores factors influencing users’ behavioral intention and actual usage of the BIMA mobile banking application by PT Bank Jateng. It applies the Unified Theory of Acceptance and Use of Technology (UTAUT), enhanced with contextual variables such as mobile self-efficacy, perceived enjoyment, and satisfaction. Research/methodology: A quantitative approach was conducted through a survey of 384 BIMA users. Data were analyzed with Structural Equation Modeling (SEM) using SmartPLS. Reliability and validity were tested with AVE and Composite Reliability, while model fit was assessed through SRMR, NFI, R², and Q² values. Results: Of 13 hypothesized paths, 10 were supported. Mobile self-efficacy strongly affected perceived enjoyment, which significantly influenced performance expectancy, effort expectancy, and satisfaction. Satisfaction emerged as the most influential factor on intention to use, which in turn impacted usage behavior. Social influence and facilitating conditions also contributed positively. However, performance expectancy did not significantly affect satisfaction, and both effort expectancy and facilitating conditions showed no significant effect on intention to use. Conclusions: Emotional factors like enjoyment and satisfaction, together with social influence, dominate over functional aspects in shaping adoption and continued use of mobile banking, suggesting a shift toward user experience-driven digital banking strategies. Limitations: The study is limited to one application, cross-sectional design, and PLS-SEM, reducing broader generalization. Contribution: This research extends UTAUT by incorporating emotional and contextual variables, providing practical insights for  enhancing user experience and digital adoption in regional banking.

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