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JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis
Published by Universitas Nahdlatul Ulama Nusa Tenggara Barat
ISSN : -     EISSN : 27766403     DOI : https://doi.org/10.69503/econetica.v7i1
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Econetica adalah sebuah jurnal publikasi ilmiah yang di dalamnya mencakup permasalahan sosial, ekonomi,dan bisnis, sebagai upaya untuk membuat sebuah wadah yang terintegrasi dengan ilmu pengetahuan khusunya bidang ekonomi dan bisnis
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol. 7 No. 2 (2025): November 2025" : 5 Documents clear
Analisis Empiris Transformasi Digital UMKM Pasca-Pandemi terhadap Kinerja Keuangan Berbasis Model Technology Acceptance di Indonesia Bahri, Syamsul; Kurnianto, Arif; Darmawati, Darmawati
JURNAL ECONETICA: Jurnal Sosial, Ekonomi, dan Bisnis Vol. 7 No. 2 (2025): November 2025
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul Ulama Nusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/1er44504

Abstract

This study aims to empirically analyze the influence of digital transformation on the financial performance of MSMEs in Indonesia in the post-pandemic period using the Technology Acceptance Model approach as a mediating variable. This study employed a quantitative method with a survey approach of MSMEs that have adopted digital technology in their business operations. The data analysis technique used Structural Equation Modeling based on Partial Least Squares to simultaneously test the relationship between variables. The results showed that digital transformation has a positive and significant influence on the financial performance of MSMEs. The adoption of digital technology has been shown to improve operational efficiency, expand market access, and drive business revenue growth. In addition, perceived ease of use and perceived usefulness as the main constructs in the Technology Acceptance Model have been shown to significantly influence the intention to use technology by MSMEs. This study also found that the Technology Acceptance Model acts as a mediating variable in the relationship between digital transformation and financial performance. This indicates that the success of digital transformation is highly dependent on the level of acceptance and utilization of technology by users. These findings confirm that behavioral factors play a critical role in determining the effectiveness of technology implementation in improving business performance. This research provides theoretical contributions to the development of digital transformation and MSME studies, as well as practical implications for business actors and policy makers in encouraging more optimal technology adoption.
Analisis Empiris Transformasi Dig Pengaruh Kualitas Layanan, Kepercayaan, dan Kemudahan Aplikasi terhadap Loyalitas Pengguna Mobile Banking pada Bank Daerah Akbar, Januar; Jamilah, Siti; Muhaedi, Muhaedi
JURNAL ECONETICA: Jurnal Sosial, Ekonomi, dan Bisnis Vol. 7 No. 2 (2025): November 2025
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul Ulama Nusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/w76h1912

Abstract

This study aims to analyze the influence of service quality, trust, and ease of use on mobile banking user loyalty at a regional bank. The background of this study is based on the increasing role of digital services in the banking industry and the importance of user loyalty as an indicator of service success. This study used a quantitative approach with an explanatory research method. Data were collected through questionnaires distributed to 150 respondents who were active mobile banking users at regional banks using a purposive sampling technique. Data analysis was performed using multiple linear regression after undergoing validity, reliability, and classical assumption tests. The results showed that service quality, trust, and ease of use of the application had a positive and significant influence on user loyalty, both partially and simultaneously. Service quality was the most dominant factor influencing loyalty, followed by trust and ease of use. These findings suggest that improving service quality, including speed, security, and responsiveness, as well as strengthening trust and ease of use of the application, can significantly increase mobile banking user loyalty. This study provides a theoretical contribution to the development of literature related to user behavior of digital banking services and provides practical implications for regional banks in designing strategies to improve service quality. By managing these three key factors in an integrated manner, regional banks can sustainably increase user satisfaction and loyalty.
Model Prediksi Kebangkrutan Berbasis Machine Learning pada Sektor Ritel di Era Disrupsi Digital Saimah, Wardatun; Wardani, Kusuma; Husna, Ayatul
JURNAL ECONETICA: Jurnal Sosial, Ekonomi, dan Bisnis Vol. 7 No. 2 (2025): November 2025
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul Ulama Nusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/sg9v0p80

Abstract

This research aims to develop a machine learning-based bankruptcy prediction model for the retail sector in the context of digital disruption. Changes in consumer behavior and increased technology-based competition increase the risk of bankruptcy, necessitating a more adaptive and accurate analytical approach. This research employs a quantitative approach with predictive analytics methods, utilizing financial data and digital variables as model input. The research stages include data preprocessing, handling class imbalance through oversampling techniques, dimensionality reduction using Principal Component Analysis, and feature selection to improve model efficiency and accuracy. Various machine learning algorithms are applied and compared, including Logistic Regression, Decision Tree, Support Vector Machine, Random Forest, XGBoost, and deep learning approaches such as Neural Networks and LSTM. Furthermore, a hybrid model is developed to optimize predictive performance by combining the advantages of various algorithms. Model evaluation is performed using accuracy, precision, recall, F1-score, and ROC-AUC metrics, and validation using cross-validation to ensure model stability and generalizability. The results show that the ensemble-based and hybrid models provide the best performance in predicting bankruptcy. The integration of digital variables has been shown to significantly improve model accuracy compared to using financial data alone. This research emphasizes the importance of a multidimensional, data-driven approach in understanding bankruptcy risk in the retail sector. The resulting model has the potential to be an effective early detection tool for companies, investors, and stakeholders in navigating business dynamics in the digital era.
Peran Digital Marketing Berbasis Artificial Intelligence dalam Meningkatkan Customer Engagement dan Conversion Rate Kusnadi, Hilman; Hidayat, Lutfi; Naufal, Fauzan
JURNAL ECONETICA: Jurnal Sosial, Ekonomi, dan Bisnis Vol. 7 No. 2 (2025): November 2025
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul Ulama Nusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/qw34bj76

Abstract

This study aims to analyze the role of Artificial Intelligence (AI)-based digital marketing in increasing customer engagement and conversion rates. The development of digital technology has driven significant changes in marketing strategies, with AI becoming a key element in optimizing the interaction and effectiveness of marketing campaigns. This study uses a quantitative approach with an explanatory research design to examine the causal relationship between AI-based digital marketing as the independent variable, customer engagement as the mediating variable, and conversion rate as the dependent variable. Data were collected through a Likert-scale questionnaire distributed to active users of digital platforms who have interacted with AI technology in marketing. Data analysis was performed using linear regression and Structural Equation Modeling (SEM) to examine the relationship between variables and the role of mediators. The results show that AI-based digital marketing has a positive and significant influence on customer engagement and conversion rates. Furthermore, customer engagement is proven to act as a mediating variable, strengthening the relationship between AI and conversion rates. These findings suggest that increased conversion is not only directly influenced by AI technology but also through higher consumer engagement. This study provides theoretical contributions to the development of AI-based marketing models and provides practical implications for companies in designing more effective, adaptive, and data-driven marketing strategies. Thus, the integration of AI in digital marketing is a key factor in improving marketing performance in the digital age.
Peran Inklusi Keuangan dan Financial Technology terhadap Kinerja UMKM Kuliner di Kota Mataram Geofani, Ahmad; Afifah, Kayla; Kusuma, Bayu
JURNAL ECONETICA: Jurnal Sosial, Ekonomi, dan Bisnis Vol. 7 No. 2 (2025): November 2025
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul Ulama Nusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/7gy4pz74

Abstract

This study aims to analyze the role of financial inclusion and financial technology on the performance of culinary MSMEs in Mataram City. The background of the study is based on the importance of MSMEs as drivers of the regional economy and the persistent limitations in financial access and technology utilization among business actors. This study used a quantitative approach with an explanatory research method. Data were collected through questionnaires distributed to culinary MSMEs that met certain criteria, then analyzed using multiple linear regression to test the influence between variables. The results show that financial inclusion has a positive and significant effect on MSME performance. Access to formal financial services has been shown to improve business actors' ability to manage finances and expand their businesses. Financial technology also has a positive and significant effect on MSME performance, particularly in increasing transaction efficiency and accelerating operational processes. Simultaneously, these two variables contribute significantly to improving the performance of culinary MSMEs. These findings indicate that the integration of financial inclusion and the use of financial technology is a crucial factor in increasing the competitiveness of MSMEs in the digital era. This study implies that increasing financial access and technology adoption needs to be continuously encouraged through policy support and increased financial literacy. Thus, culinary MSMEs in Mataram City can develop more optimally and sustainably.

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