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INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 30260221     DOI : Zenodo
Core Subject :
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) is a scientific journal that publishes articles in the Business field includes conceptual ideas in the fields of Economics, Accounting, Management, business. The scopes are Human Resource Management, Marketing Management, Financial Management, Production/Operational Management, Strategic Management, Islamic Business Management, Halal Industry Management, Hajj and Umro Management, Zakat and Waqf/ Islamic Philanthropy Management, Tourism Management, Banking Management, Industrial Management, Agribusiness Management, Business Administration.
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Articles 565 Documents
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THE EFFECT OF LIQUIDITY, LEVERAGE, AND BUSINESS RISK ON FINANCIAL PERFORMANCE IN THE CONSUMER CYCLICALS SECTOR Anak Agung Sagung Intan Sita Parameswari; I Gst Ayu Eka Damayanthi
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

Financial performance is an essential indicator for assessing the effectiveness of a company’s asset management. The consumer cyclicals sector listed on the Indonesia Stock Exchange (IDX) experienced significant fluctuations in financial performance during 2021–2023, highlighting the need to examine its determining factors. This study aims to obtain empirical evidence regarding the influence of liquidity, leverage, and business risk on financial performance. A quantitative approach was employed using secondary data derived from the financial statements of consumer cyclicals companies listed on the IDX. The research sample was selected using purposive sampling, resulting in 46 companies and 81 observations. Data were analyzed using multiple linear regression with SPSS. The findings indicate that liquidity has no effect on financial performance, leverage has no effect on financial performance, while business risk has a positive effect on financial performance. These results suggest that financial performance in this sector is more strongly determined by business risk management than by liquidity or leverage.
THE EFFECT OF ENVIRONMENTAL, SOCIAL, AND GOVERNANCE DISCLOSURE ON FIRM VALUE IN SRI-KEHATI INDEXED COMPANIES Maria Carolin Mbindi Mbira Ria; Gerianta Wirawan Yasa
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

Intense competition across various industries drives companies to continuously enhance their firm value. Firm value is an important metric for assessing performance as well as the growth prospects of a business entity, and it represents a long-term objective that companies aim to achieve. For company owners, firm value is highly important because the stock price correlates with investors’ perceptions of how successful the company’s performance is. Grounded in stakeholder theory, this study aims to examine the effect of environmental, social, and governance (ESG) disclosure on firm value in SRI-KEHATI indexed companies listed on the Indonesia Stock Exchange (IDX) for the 2021–2024 period. This study uses leverage (DER), profitability (ROA), and industry type as control variables to reduce bias and increase research validity. The sample was determined using a purposive sampling method with the criteria of companies listed in the SRI-KEHATI index and having available ESG scores in the Refinitiv Eikon database for the 2021–2024 period. Based on these criteria, 26 companies were obtained with a total of 72 observations. Data analysis was conducted using multiple linear regression. The results show that disclosure of the environmental aspect has a negative effect on firm value, the social aspect does not show any effect on firm value, and the governance aspect is proven to have a positive effect on firm value.
ANALYSIS OF LEADING SECTORS AND THEIR EFFECT ON ECONOMIC GROWTH IN JEMBRANA REGENCY Ni Kadek Oki Selmanita; Ida Bagus Putu Purbadharmaja
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

Regional economic growth is an important indicator for evaluating development performance. This study analyzes leading sectors and examines the effect of the agriculture, forestry, and fisheries sector, as well as the transportation and warehousing sector, on economic growth in Jembrana Regency, with the Labor Force Participation Rate (LFPR) as a moderating variable. This study uses secondary data, including the Gross Regional Domestic Product (GRDP) of Jembrana Regency and Bali Province, as well as labor statistics from the Central Bureau of Statistics (BPS) for the period 2010–2024. The methods used are Location Quotient (LQ), descriptive analysis, multiple linear regression, and Moderated Regression Analysis (MRA). The results show that the agriculture, forestry, and fisheries sector, as well as the transportation and warehousing sector, are categorized as leading sectors in Jembrana Regency. Simultaneously, these two sectors have a significant effect on economic growth. Partially, the agriculture, forestry, and fisheries sector has a positive and significant effect, while the transportation and warehousing sector also provides a positive contribution. The moderation analysis reveals that the LFPR strengthens the effect of the transportation and warehousing sector on economic growth but does not moderate the relationship between the agriculture, forestry, and fisheries sector and economic growth. These findings suggest that the local government should strengthen the productivity of base sectors, particularly agriculture and transportation, and enhance labor force participation to support sustainable economic growth in Jembrana Regency.
THE MEDIATING ROLE OF JOB SATISFACTION IN THE EFFECT OF WORK-LIFE BALANCE ON ORGANIZATIONAL COMMITMENT(A Study on the Staff of the Tourism Management Agency of the Outer Area of Uluwatu Temple) Putu Bayu Dea Laksana; I Gusti Ayu Manuati Dewi
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18257317

Abstract

This study aims to analyze the mediating role of job satisfaction in the relationship between work-life balance and organizational commitment among staff of the Tourism Management Agency of the Outer Area of Uluwatu Temple. A non-probability purposive sampling technique was applied, involving 91 respondents. Data collection was conducted through surveys and interviews. The data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. The results indicate that work-life balance has a positive and significant effect on organizational commitment, work-life balance has a positive and significant effect on job satisfaction, job satisfaction positively and significantly affects organizational commitment, and job satisfaction is proven to partially and complementarily mediate the effect of work-life balance on organizational commitment.
ANALYSIS OF UTAUT METHOD TO EXPLAIN SUSTAINABLE INTENTIONS IN USING BUY NOW, PAY LATER SERVICE IN INDONESIA Muhammad Athaya Dzaky; Albari
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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Abstract

The development of financial technology (fintech) has encouraged the emergence of various innovations in digital payment systems, one of which is the Buy Now, Pay Later (BNPL) service. This service allows consumers to make purchases with deferred payments without the need for a credit card, making it a popular alternative in Indonesia. Based on OJK data, the growth of BNPL services will reach 26.59% in April 2025, indicating a significant increase in public adoption of digital payment systems. This study aims to analyze the factors that affect users' sustainable intentions in using BNPL services in Indonesia using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. The variables studied included performance expectations, business expectations, social influences, and facility conditions. The results show that ease of use, facility support, and social influence have a stronger effect on users' intention to continue using BNPL services than performance expectations. Therefore, BNPL service providers are advised to focus on improving accessibility, system reliability, and building trust through a community-based approach.
ANALYSIS OF QRIS IMPLEMENTATION IN IMPROVING TRANSACTION EFFICIENCY FOR MICRO ENTERPRISES IN SIHUIK-HUIK VILLAGE, SOUTH TAPANULI Dewi Sartika Hasibuan; Saleh Ramadi C; Abdul Gani Jamora Nasution
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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Abstract

The Community Service Program (KKN) of the Faculty of Economics and Islamic Business at the State Islamic University of North Sumatra, conducted in Sihuik-huik Village, South Tapanuli, serves as a form of community empowerment focusing on digital-based economic development through the implementation of QRIS. This initiative was developed in response to low levels of digital literacy and limited technological adaptation among micro-business owners in utilizing digital systems to facilitate financial transactions. QRIS (Quick Response Code Indonesian Standard) was introduced as a payment instrument to expand market access and simplify transactions between micro enterprises and consumers. This study employs a community organization approach emphasizing active collaboration between the implementation team and micro-enterprise actors in the village. This method was chosen due to its effectiveness in fostering engagement, supporting adaptation processes, and strengthening users’ capacity to apply digital payment technology such as QRIS. The findings indicate that the community demonstrated improved understanding of digital systems and successfully began utilizing QRIS-based payment methods. Several micro-business owners have implemented QRIS in daily transactions, resulting in increased convenience and transaction efficiency for both consumers and business operators. Overall, the program successfully enhanced digital payment awareness and contributed to the adoption of QRIS-based transactions among micro-enterprises.
THE INFLUENCE OF PERSONAL FINANCIAL MANAGEMENT, FINANCIAL LITERACY, AND RISK PERCEPTION ON BITCOIN INVESTMENT DECISIONS AMONG GENERATION Z IN MALANG CITY, INDONESIA Lindananty Lindananty; George Michael Hermanto Lioe
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

This study analyzes the effects of personal financial management, financial literacy, fundamental analysis, technical analysis, and risk perception on Bitcoin investment decisions among Generation Z in Malang. Using data from 100 respondents and applying PLS-SEM, the results show that only technical analysis has a significant positive influence on investment decisions. The other variables—personal financial management, financial literacy, fundamental analysis, and risk perception—do not show significant effects. The model demonstrates strong explanatory power with an R² of 0.979, indicating that these factors collectively explain most of the variation in Bitcoin investment decisions.
FACTORS AFFECTING COLLATERAL VALUE AT THE INDONESIAN STATE BANK IN THE PAPUA REGION Rusmini Rusmini; Elisabet Siahaan; Handy Octavianus
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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Abstract

The importance of accuracy in collateral valuation as one of the main instruments in maintaining banking health, particularly in controlling the non-performing loan (NPL) ratio. Inaccuracies in collateral analysis, which lead to overvaluation or the use of assets that do not have strategic market value, have the potential to cause difficulties in collateral execution and increase the risk of bank losses. This study aims to examine and analyse the factors that influence collateral value at Bank Negara Indonesia (BNI) in the Papua region. The research method uses a quantitative descriptive approach. The research population consists of data on 150 BNI Griya Multiguna consumer credit debtors, specifically residential debtors. A sample of 60 data points was obtained using purposive sampling. The data was obtained from five BNI branches in the Papua Region in the form of land legality, land area, building area, building legality, and building construction. The results of multiple linear regression show that land legality, building legality, and building area have a positive and significant effect on collateral value, while land area and building construction have a positive effect but are not statistically significant. The results of this study confirm that legal aspects, including land legality and building legality, as well as building area, are the main determinants of collateral value for residential consumer loans in the Papua Region. These findings are important for banks, appraisers, and stakeholders in the management of residential property-based loans, and encourage more accurate evaluations to minimise the risk of non-performing loans in the Papua region, ultimately benefiting the Government of the Republic of Indonesia.
THE ECONOMIC IMPACT OF WAQF ASSET DIGITIZATION ON COMMUNITY EMPOWERMENT AND SOCIAL INVESTMENT Helma Maraliza
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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Abstract

This study aims to examine the economic impact of waqf asset digitization on community empowerment and strengthening social investment through a literature review approach. Digital transformation in waqf asset management presents new opportunities for optimizing waqf potential, particularly through increased transparency, efficiency, and accountability in the collection, management, and distribution of benefits to the community. Digitization enables the creation of a more inclusive waqf ecosystem by expanding access to community participation through digital platforms, accelerating the flow of information, and facilitating more structured social investment mechanisms. Based on the synthesis of various studies, waqf asset digitization has been proven to drive local economic growth through financing micro-enterprises, increasing Islamic financial literacy, developing social infrastructure, and enhancing the capacity of beneficiary communities. Furthermore, digitalization also strengthens the role of waqf as a social development instrument by creating a sustainable investment model that can enhance economic independence and community well-being. This study confirms that waqf asset digitization is not merely an administrative modernization but a transformational strategy for promoting community empowerment and more effective social investment.
THE ROLE OF CUSTOMER SATISFACTION IN MEDIATING THE EFFECT OF SERVICE QUALITY ON THE INTENTION TO REUSE(A Study on JNE Express Customers in Denpasar City) I Made Pradnya Raditya Putra; Ni Ketut Seminari
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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Abstract

Abstract: The development of increasingly competitive expedition services requires companies to understand the factors that affect customer behavior, particularly the intention to reuse services. This study aims to analyze the effect of service quality on the intention to reuse among JNE Express customers in Denpasar City, with customer satisfaction as a mediating variable. The study involved 120 respondents selected using the purposive sampling method. Data were collected through questionnaires and analyzed using Path Analysis, Classical Assumption Tests, the Sobel Test, and the Variance Accounted For (VAF) test. The results indicate that service quality has a positive and significant effect on the intention to reuse, service quality has a positive and significant effect on customer satisfaction, customer satisfaction has a positive and significant effect on the intention to reuse, and customer satisfaction partially mediates the effect of service quality on the intention to reuse. These findings reinforce the Expectation Confirmation Theory (ECT), which explains that improvements in perceived service quality enhance customer satisfaction, ultimately encouraging customers’ intention to continue using JNE Express services in Denpasar City. Keywords: Service Quality, Customer Satisfaction, Intention to Reuse

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