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Mustard Journal De Ecobusin
Published by Generasi Sains Indonesia
ISSN : -     EISSN : 30481538     DOI : https://doi.org/10.37899/mjde
Core Subject : Economy,
Economics, Econometrics & Finance
Mustard Journal De Ecobusin [e-ISSN 3048-1538] is a peer-reviewed journal published three times a year in the field of Economic and Business. Mustard Journal De Ecobusin is intended to be the journal for publishing articles reporting the results of economic research. Mustard Journal De Ecobusin is invites manuscripts on various topics to include, including but not limited to functional areas of Entrepreneurship, Strategic Alliances, Microeconomics, Behavioral and Health Economics, Government Regulation, Taxation, Macroeconomics, Financial Markets, Investment, Banking, International Economics, Foreign Direct Investment, Economic Development, Environmental Studies, Urban Issues, Emerging Markets, Empirical Studies, Quantitative and Experimental Methods.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 40 Documents
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Behavioral Economics and Health Decision-Making: A Study on Preventive Health Behavior in Urban Communities Indariani, Pratiwi; Mahfuds, Achmad Fauzan
Mustard Journal De Ecobusin Vol. 2 No. 3 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i3.222

Abstract

Preventive health practices play a vital role in reducing the risks of chronic diseases and enhancing population well-being. Despite this, preventive measures such as immunization, regular check-ups, balanced diets, and exercise remain underutilized in metropolitan areas. This study adopts a behavioral economics perspective to examine how cognitive biases shape urban residents’ decisions regarding preventive health behaviors. A quantitative survey was conducted among 392 respondents across diverse socioeconomic backgrounds, focusing on present bias, status-quo bias, and bounded rationality. The results revealed significant negative correlations between these biases and preventive health practices. Specifically, present bias strongly predicted delays in medical check-ups, status-quo bias hindered the adoption of healthier routines, and bounded rationality contributed to the misinterpretation of health-related information. Socioeconomic status further moderated these outcomes, with higher-income individuals more likely to engage in preventive measures. The findings underscore the importance of applying behavioral insights such as framing effects, default options, and simplified health communication to improve uptake of preventive practices in urban environments. Policymakers are urged to integrate behavioral nudges with equity-oriented health initiatives to address persistent disparities.
The Role of Organizational Citizenship Behavior in Implementing Anti-Fraud Strategies at Bank Sulselbar Fadlan, Ahmad; Ibrahim, Didik
Mustard Journal De Ecobusin Vol. 2 No. 3 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i3.223

Abstract

The implementation of effective anti-fraud strategies relies not only on clear policies and procedures but also on the involvement of all members across the organization. In this case, organizational citizenship behavior plays a very important role. This study aims to analyze organizational citizenship behavior in the implementation of anti-fraud strategies at Bank Sulselbar in South Sulawesi and West Sulawesi Provinces. This study uses a descriptive quantitative research approach with data collection methods, namely questionnaires and review documents. Samples in this research are Bank Sulselbar employees. Data sources consist of primary and secondary data. While the technique of data analysis uses inferential statistics. The results of the study show that organizational citizenship behavior in implementing anti-fraud strategies at Bank Sulselbar in South Sulawesi and West Sulawesi Provinces is 20,730 or 88% of the maximum percentage. If seen from the value range table it can be concluded that organizational citizenship behavior in implementing anti-fraud strategies at Bank Sulselbar in South Sulawesi and West Sulawesi Provinces is relatively very high.
Financial Market Volatility and Investor Behavior: Evidence from the Indonesian Stock Exchange Sari, Rika Novyta; Abdullah, Rajab
Mustard Journal De Ecobusin Vol. 2 No. 3 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i3.229

Abstract

This study investigates the relationship between financial market volatility and investor behavior in the Indonesian Stock Exchange, with a focus on behavioral dimensions such as sentiment, risk perception, overconfidence, and herding. Using survey data from active investors and quantitative modeling, the research identifies how psychological and social factors interact with market structures in shaping volatility. The findings reveal that behavioral elements explain more than half of the variation in investor perceptions of volatility, with sentiment and herding showing the strongest effects. These results suggest that market fluctuations in Indonesia are not merely the outcome of economic fundamentals but are significantly influenced by retail-driven trading patterns and the accelerating role of digital platforms. The study contributes to behavioral finance literature by demonstrating the contextual relevance of biases in an emerging market setting, where institutional stabilization is relatively weak and cultural factors magnify collective tendencies. Practically, the results underscore the importance of enhancing financial literacy, regulating digital market ecosystems, and promoting more sustainable investment strategies to mitigate destabilizing behaviors. The study also highlights the need for future research that integrates behavioral insights with macroeconomic and political variables to achieve a more comprehensive understanding of volatility in emerging economies.
Foreign Direct Investment and Economic Development: Comparative Analysis in Southeast Asia Salim, Afifah; Jumrahana; Aiman, Iqra
Mustard Journal De Ecobusin Vol. 2 No. 3 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i3.230

Abstract

This study examines the role of Foreign Direct Investment (FDI) in shaping economic development across selected Southeast Asian countries. Using a comparative analysis, it highlights the uneven impact of FDI inflows by analyzing variations in volume, sectoral distribution, and institutional quality. Data from Singapore, Vietnam, Indonesia, the Philippines, and Cambodia reveal that while FDI contributes significantly to growth, its benefits are not uniform across the region. Singapore has leveraged its institutional strength and advanced services sector to attract high-value investment, whereas Vietnam has successfully used FDI to accelerate manufacturing-led industrialization. By contrast, Indonesia and the Philippines struggle to convert large inflows into proportional developmental outcomes due to regulatory inefficiencies, while Cambodia remains highly dependent on resource-based FDI, exposing it to sustainability risks. The findings underscore that the developmental impact of FDI depends less on the quantity of inflows than on sectoral orientation, absorptive capacity, and governance effectiveness. Theoretically, the study challenges the linear assumption that FDI automatically drives growth, while practically, it suggests that Southeast Asian countries need to strengthen human capital, institutional frameworks, and regional cooperation to maximize developmental returns.
Strategic Alliances between Banks and Fintech Companies: Effects on Financial Inclusion in Gorontalo Suci Belfebriani; Astuti, Sri
Mustard Journal De Ecobusin Vol. 1 No. 4 (2024): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v1i4.240

Abstract

This study explores the impact of strategic alliances between banks and fintech companies on financial inclusion in Gorontalo. Although financial inclusion is essential for economic growth, many rural communities in Indonesia remain outside formal financial systems. Partnerships between banks and fintech firms offer a potential solution by combining regulatory reliability with technological innovation. Using a mixed-method explanatory sequential design, the study surveyed 200 respondents, including microenterprise owners and households, and conducted interviews with bank managers, fintech executives, and customers. Quantitative data were analyzed using descriptive statistics and multiple regression, while qualitative data provided contextual insights. The study measured the strength of strategic alliances through partnership intensity, service integration, and product innovation, and financial inclusion through access, usage, and quality. Results show that strategic alliances significantly improve financial inclusion, with the strongest effect on access, followed by usage and quality. However, barriers such as low digital literacy, weak infrastructure, and high transaction costs limit the full potential of these collaborations. The findings suggest that improving digital literacy and infrastructure support is crucial for strengthening the positive role of bank–fintech partnerships in promoting inclusive financial growth in Gorontalo.
Economic Development through Social Entrepreneurship: Case Study of Rural Innovation Hubs in Balikpapan Iskandari, Amirul Mukmin
Mustard Journal De Ecobusin Vol. 2 No. 1 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i1.244

Abstract

Social entrepreneurship has emerged as an alternative pathway to foster economic development while addressing social challenges in marginalized communities. One institutional model that embodies this approach is the rural innovation hub, which provides training, networking, and market access to empower local entrepreneurs. This study examines the role of rural innovation hubs in Balikpapan, Indonesia, in promoting inclusive economic growth. Using a mixed methods case study design, data were collected from 180 respondents across three hubs operating in agriculture, handicrafts, and digital services. Quantitative findings show that participation in hub programs leads to significant improvements in household income, with average increases exceeding 50 percent. Digital service enterprises recorded the highest growth, reflecting sector-specific advantages in capturing emerging market opportunities. Qualitative evidence further highlights the hubs’ effectiveness in providing access to markets, entrepreneurial skills development, and networking opportunities, although challenges in accessing affordable capital remain persistent. The study also reveals strong participation from women and young entrepreneurs, underscoring the inclusivity of the hub model and its contribution to gender equity and youth empowerment. These findings suggest that rural innovation hubs in Balikpapan not only enhance local livelihoods but also foster social value creation by building community resilience. Nevertheless, limitations in financial access point to the need for stronger policy support and partnerships with financial institutions to ensure sustainability. Overall, the Balikpapan case demonstrates the potential of rural innovation hubs as platforms for advancing social entrepreneurship and sustainable economic transformation in developing regions.
The Effect of Financial Literacy Programs on Household Saving Behavior in Urban Indonesia Wulandari
Mustard Journal De Ecobusin Vol. 2 No. 1 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i1.245

Abstract

Financial literacy programs have emerged as critical interventions to enhance household financial capability and promote responsible saving behavior, particularly in urban contexts with diverse socio-economic conditions. This study examines the effect of financial literacy programs on household saving behavior in urban Indonesia, employing a quasi-experimental mixed-methods design. Data were collected from 150 households through pre- and post-program surveys, complemented by in-depth interviews and focus group discussions. Quantitative results show significant increases in household savings across all income groups, with lower-income households exhibiting the highest proportional gains (+60%). Middle- and higher-income households also demonstrated notable improvements, though with smaller relative increases. Qualitative findings reveal that participants gained greater awareness of budgeting, savings options, and financial decision-making, while persistent challenges, such as limited access to formal financial services, constrained the full application of knowledge. The study also finds that both male- and female-headed households benefited from the program, and younger participants showed higher adaptability to new saving practices. Overall, the findings suggest that financial literacy programs effectively enhance household saving behavior, increase financial confidence, and contribute to broader social objectives such as gender equity and family welfare. However, to sustain and maximize these benefits, complementary interventions such as accessible financial services, targeted incentives, and supportive policy frameworks are necessary. These insights provide important implications for policymakers, program designers, and financial institutions aiming to strengthen financial inclusion and household economic resilience in urban Indonesia.
The Influence of Digital Payment Adoption on Microenterprise Profitability in Yogyakarta Munafri, Abdullah
Mustard Journal De Ecobusin Vol. 2 No. 1 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i1.239

Abstract

This study analyzes the effect of digital payment adoption on the profitability of microenterprises in Yogyakarta. Microenterprises are vital to the local economy yet often encounter financial constraints that limit growth. The rise of digital payment platforms such as QRIS, GoPay, OVO, and Dana presents opportunities to enhance operational efficiency and market competitiveness. Using a quantitative explanatory research design, data were collected from 100 microenterprise owners selected through purposive sampling. Structured questionnaires and interviews were employed to obtain relevant information. Data were analyzed using descriptive statistics, validity and reliability testing, and multiple linear regression to examine the research hypothesis. Digital payment adoption was evaluated based on frequency, ease, security, and convenience, while profitability was measured through sales growth, profit margin, cost efficiency, and transaction volume. The results reveal that digital payment adoption significantly improves profitability, explaining 51.1% of its variance. The remaining 48.9% may be influenced by other unexamined factors. These findings highlight that digital payment systems play a crucial role in enhancing financial performance. Strengthening digital literacy and payment infrastructure is recommended to optimize financial technology adoption among microenterprises in Yogyakarta.
Utilization of Information Technology and the Effectiveness of BPJS Employment Services in Indonesia Widyanto, Jasni; Nadhila
Mustard Journal De Ecobusin Vol. 2 No. 2 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i2.257

Abstract

The article examines the impact of information technology (IT) application on the effectiveness of services in BPJS BPJS Employment, which is an important institution of public significance serving as an employment social security provider in Indonesia. The quantitative method was used to collect data using questionnaires adapted in a structured design that targeted 120 respondents most of whom were a combination of staff and service users. The product of an inferential statistical procedure such as correlation and linear regression data results, showed that there is a positive correlation between IT utilization and service effectiveness, which was strong and significant. Regression model indicated that IT usage was related to 55.1 percent of the variation in service effectiveness due to the standardized coefficient of 0.742 and the p-value of <0.001. The results of the study show that online registration, automated claims, and mobile platforms increase the value and efficiency of services and have a considerable influence on their manifold dimensions of quality, velocity, and accuracy. The research will fill this gap in a literature base by providing an empirical evaluation of the e-governance processes in Indonesia; it fills this gap because it will provide a quantitative analysis of e-governance processes in Indonesia in a context where most of the literature only presents the qualitative perspectives of the e-governance processes. The findings emphasize the strategic essence of enhancing IT infrastructure, training of these users and digital literacy in the quest to enhance further provision of the services in the institutions in the public sector.
Human Resource Management Strategies in Strengthening the Performance of MSMEs in Bulukumba Bachtiar, Firmansyah
Mustard Journal De Ecobusin Vol. 2 No. 2 (2025): Mustard Journal De Ecobusin
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjde.v2i2.258

Abstract

This research aims to analyze the role of Resources Management (MSDI) in improving the performance of Micro, Small, and Medium Enterprises (UMKM) in Bulukumba District. MSDI, as an advanced development of Human Resources Management (HRM), adopts a more holistic and humanistic approach, focusing on employee empowerment and comprehensive development. This study uses qualitative methods, including in-depth interviews with UMKM owners and employees, along with relevant secondary data analysis, to identify key factors that influence MSDI management and UMKM performance. The findings highlight the importance of structured MSDI management in improving service quality, customer satisfaction, and operational productivity. It was found that areas such as employee training, technology integration, and employee involvement in decision-making are critical to the performance improvement of UMKM. The research also discusses the challenges faced by UMKM in Bulukumba, including financial constraints and the lack of training and technology adoption. The study suggests that effective MSDI management, focusing on employee development and the integration of appropriate technologies, can create a more productive and competitive environment for UMKM.

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