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Contact Name
Aslan
Contact Email
aslanalbanjary066@gmail.com
Phone
+6285245268806
Journal Mail Official
aslanalbanjary066@gmail.com
Editorial Address
Jalan. H. Muckhsin Dusun Tanjung Mentawa, Tanjung Mekar Sambas Village, West Kalimantan, Indonesia
Location
Kab. sambas,
Kalimantan barat
INDONESIA
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 30633648     DOI : Zenodo
Core Subject : Economy,
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) is a scientific journal that publishes articles in the field of Business and finance that contain conceptual ideas in the fields of Economics, Accounting, Management, Business and finance. The scope is Human Resource Management, Marketing Management, Financial Management, Production/Operational Management, Strategic Management, Islamic Business Management, Halal Industry Management, Hajj and Umrah Management, Zakat and Waqf Management / Islamic Philanthropy, Tourism Management, Banking Management, Industrial Management, Agribusiness Management, Business Administration and financial management within the scope of organisations both banking, hospitality, and others.
Articles 444 Documents
THE SCOPE OF CONTEMPORARY MODERN ECONOMICS: A LITERATURE REVIEW ON THE INTERACTION BETWEEN PRODUCTION, CONSUMPTION, INSTITUTIONAL STRUCTURE, TECHNOLOGY, GLOBAL FINANCE, AND SOCIAL–ENVIRONMENTAL ISSUES Farida Akbarina; Ahmad Rizani
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This study discusses the scope of the contemporary modern economy through a literature review that examines the interaction between production, consumption, institutional structure, technology, global finance, and social-environmental issues. The results of the study show that the contemporary modern economy can only be understood holistically through a multidisciplinary approach that integrates economic, social, and environmental aspects. These findings provide a conceptual basis for the formulation of policies that are more inclusive, sustainable, and responsive to global dynamics.
STRATEGIC ANALYSIS OF DIGITAL MARKETING IN THE ERA OF BIG DATA AND ARTIFICIAL INTELLIGENCE: A SYSTEMATIC LITERATURE REVIEW ON CONSUMER PERSONALISATION, OMNICHANNEL OPTIMISATION, AND MACHINE LEARNING ALGORITHM ADAPTATION TO INCREASE SALES CONVERSIONS Henny Noviany; Listya Endang Artiani; Syahgirindra Ardya Rasendriya
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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The rapid advancement of big data and artificial intelligence (AI) technologies has significantly transformed digital marketing strategies, enabling firms to enhance customer engagement and improve sales conversion performance. This study aims to analyze strategic developments in digital marketing through a systematic literature review focusing on consumer personalization, omnichannel optimization, and the adaptation of machine learning algorithms. Using a qualitative library research approach, relevant academic publications indexed in reputable databases were systematically reviewed to synthesize current knowledge and identify emerging research trends. The findings indicate that AI-driven personalization improves the customer experience and purchase intention, while omnichannel integration enhances consistency in the customer journey across multiple platforms. Additionally, adaptive machine learning algorithms support data-driven marketing decisions that optimize campaign performance and conversion outcomes. However, challenges related to data privacy, technological integration, and strategic alignment remain significant concerns. This study contributes by providing an integrated strategic perspective that consolidates fragmented literature and proposes directions for future research in intelligent digital marketing ecosystems.
INTEGRATION OF MARKET RESEARCH AND SWOT ANALYSIS IN FORMULATING ADAPTIVE BUSINESS STRATEGIES IN RESPONSE TO TECHNOLOGICAL DISRUPTION, COMPETITIVE INTENSITY, AND GOVERNMENT REGULATORY DYNAMICS IN THE DIGITAL ECONOMY ERA: A SYSTEMATIC LITERATURE REVIEW Exa Alief Fairuzzabadi Sahl; Henny Noviany; Al Amin
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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The rapid development of the digital economy has created new strategic challenges for businesses, driven by technological disruption, intensifying competition, and evolving government regulations. This study aims to analyze the integration of market research and SWOT analysis in formulating adaptive business strategies using a systematic literature review. Using a qualitative library research method, relevant academic publications indexed in reputable databases were systematically reviewed to synthesize current knowledge and identify research gaps in adaptive strategy development. The findings indicate that data-driven market research enhances an organization's understanding of market dynamics, while SWOT analysis helps firms evaluate internal and external strategic factors. The integration of these approaches supports more flexible and responsive business strategies, enabling firms to maintain competitiveness and sustainability in rapidly changing digital environments. This study contributes by proposing an integrative perspective that bridges fragmented strands of the strategic management literature and offers recommendations for future research on adaptive strategy formulation in digital economies.
MANAGERIAL DECISION-MAKING IN UNCERTAIN ECONOMIC ENVIRONMENTS: A BEHAVIORAL TAX COMPLIANCE APPROACH Loso Judijanto; Ingrid Panjaitan; Baskoro Ajie
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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Economic uncertainty driven by global crises, regulatory changes, and market volatility has intensified the complexity of managerial decision-making, particularly in relation to tax compliance behavior. This study aims to examine how managers make tax-related decisions in uncertain economic environments by adopting a behavioral tax compliance perspective. Using a literature review methodology, this research systematically analyzes and synthesizes findings from prior empirical and theoretical studies in the fields of behavioral economics, taxation, and managerial decision-making. The review highlights that managerial tax compliance is not solely determined by economic rationality, but is significantly influenced by behavioral factors such as risk perception, moral norms, trust in tax authorities, cognitive biases, and social influences. Furthermore, uncertainty amplifies the role of heuristics and subjective judgment, leading managers to balance compliance considerations with survival strategies and organizational performance objectives. The findings suggest that behavioral dimensions play a critical role in shaping tax compliance decisions under uncertainty, challenging traditional deterrence-based tax models. This study contributes to the literature by integrating managerial decision-making theory with behavioral tax compliance, offering a more comprehensive framework for understanding tax behavior in uncertain economic contexts. The results also provide practical implications for policymakers in designing adaptive and behaviorally informed tax regulations that encourage voluntary compliance during periods of economic instability.
ENVIRONMENTAL AND SUSTAINABILITY ISSUES IN THE PALM OIL SECTOR: ANALYSIS OF THE IMPACT OF LOCAL REGULATIONS AND GOVERNMENT POLICIES ON ENVIRONMENTAL MANAGEMENT, NATURAL RESOURCE CONSERVATION, AND THE SOCIO-ECOLOGICAL SUSTAINABILITY OF LOCAL COMMUNITIES Loso Judijanto
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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This study analyses the impact of local regulations and government policies on environmental management, natural resource conservation, and the socio-ecological sustainability of local communities in Indonesia's palm oil sector. Through a review of existing literature, this study reveals that regulatory instruments have great potential to control deforestation, reduce pollution, and protect sensitive ecosystems. However, their implementation is often hampered by overlapping authorities, weak supervision, and a lack of alignment between economic and environmental policies, meaning that environmental management and natural resource conservation are not always achieved optimally. The impact of regulations on the socio-ecological sustainability of local communities is also ambivalent. On the one hand, plasma schemes, CSR, and community dialogue obligations through ISPO can increase income, access to infrastructure, and community participation in resource management. On the other hand, in many areas, regulations actually reinforce inequality, ignore customary rights, and trigger agrarian conflicts, especially in areas that still depend on subsistence and forest ecosystems. The results of the study show that the same regulations can produce very different results depending on the socio-ecological context and the quality of implementation at the local level. Overall, this study concludes that regulations in the palm oil sector have significant potential to promote better environmental management, natural resource conservation, and the socio-ecological sustainability of local communities, but only if they are implemented consistently, inclusively, and based on evidence. Strengthening coordination between levels of government, strengthening the capacity of supervisors, recognising customary rights, and integrating local knowledge are important prerequisites for regulations to not only become a formal instrument, but to truly be able to create a balance between economic growth, environmental protection, and social justice for local communities.
THE DYNAMICS OF PALM OIL REGULATION AND POLICY IN INDONESIA: A LITERATURE REVIEW ON THE RELATIONSHIP BETWEEN LOCAL REGULATIONS, ENVIRONMENTAL GOVERNANCE, AND SUSTAINABILITY EFFORTS FROM A SUSTAINABLE DEVELOPMENT PERSPECTIVE Loso Judijanto
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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This article analyses the dynamics of palm oil regulation and policy in Indonesia through a literature review, focusing on the relationship between local regulations, environmental governance, and sustainability efforts from a sustainable development perspective. The study shows that national regulations, particularly through the Indonesian Sustainable Palm Oil (ISPO) and various environmental instruments, provide an important normative framework, but their effectiveness is highly dependent on how local regulations in provinces and districts/cities translate these norms into plantation and environmental management practices. Regulatory fragmentation between the central and regional governments, weak law enforcement, and uncertainty in the certification process for smallholders often reduce the potential contribution of the palm oil sector to sustainable development. From an environmental governance perspective, efforts towards sustainable palm oil in Indonesia still face significant challenges, particularly in controlling the impact of plantation expansion on deforestation, biodiversity loss, and greenhouse gas emissions. Although there are already waste management policies and the application of circular economy principles, the implementation of these regulations varies at the national and regional levels, depending on institutional capacity, technology availability, and the political will of local governments. On the other hand, multi-stakeholder collaborations, such as the Indonesian Sustainable Palm Oil Communication Forum (FoKSBI) and the National Action Plan for Sustainable Palm Oil (NASPO), show potential for strengthening environmental governance and supporting the achievement of the Sustainable Development Goals (SDGs). Overall, the relationship between local regulations, environmental governance, and palm oil sustainability efforts shows that this sector can contribute positively to sustainable development if national and local regulations are managed in a harmonious and inclusive manner. Strengthening environmental governance, harmonising regulations between the central and regional governments, and increasing institutional capacity are key to ensuring that palm oil development in Indonesia not only boosts economic growth but also protects the environment and improves community welfare. Thus, the dynamics of palm oil regulations and policies in Indonesia reflect the transformation of sector governance from an expansive approach to a more sustainable and inclusive one.
ANALYSIS OF MARKETING FUNCTIONS IN THE PALM OIL VALUE CHAIN: A LITERATURE REVIEW ON THE ROLE OF PURCHASING, SALES, TRANSPORTATION, STORAGE, FINANCING, RISK INSURANCE, QUALITY STANDARDISATION AND CLASSIFICATION, AND MARKET INFORMATION IN MAINTAINING PRODUCT QUALITY AND VALUE Loso Judijanto; Al-Amin
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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Palm oil is a strategic commodity that is greatly influenced by the efficiency and integration of marketing functions throughout the value chain. This article examines the role of eight marketing functions—purchasing, sales, transportation, storage, financing, risk insurance, quality standardisation and classification, and market information—in maintaining quality and increasing the value of palm oil products through a systematic literature review. The results of the analysis show that each marketing function has a specific contribution, ranging from determining the quality of initial raw materials, maintaining the physical and chemical integrity of products during distribution, to strengthening differentiation and premium pricing through sustainable standards and certification. The integration of these functions has been proven to increase value chain efficiency, shorten marketing channels, and improve the distribution of added value for farmers and other actors along the chain.
THE EFFECT OF ACCOUNTING INFORMATION SYSTEMS, MANAGEMENT SUPPORT, AND EMPLOYEE TRAINING ON TRANSACTION PROCESS EFFICIENCY Anak Agung Ngurah Agung Hari Wirama; Ni Luh Sari Widhiyani
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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Efficiency in the context of Accounting Information Systems (AIS) is the ability of a system to process financial data (input) into report information (output) at minimal cost, in the fastest time, and with zero error rate. Currently, 24 regional development banks in Indonesia have digital banking services with transaction volume growth reaching 48.2% year-on-year. This study found that the increase in transaction volume related to teller activities could pose risks. The purpose of this study was to obtain empirical evidence of the influence of accounting information systems, management support, and employee training on transaction process efficiency. This study used a quantitative associative approach. The sampling method used in this study was non-probability sampling with census sampling technique. The research location was at the Bali Regional Development Bank (BPD Bali) Main Branch in Denpasar with 54 employee samples who used AIS in their duties. The test results showed that accounting information systems, management support, and employee training had a positive effect on transaction process efficiency. Theoretically, this study reinforces the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) by proving that accounting information systems, management support, and employee training have a positive effect on transaction process efficiency. Practically, these results recommend that the management of BPD Main Branch Denpasar implement an integrated approach through the optimization of OLIBS features, the allocation of real resources, and continuous training to maximize transaction speed and accuracy.
BUILDING IMAGE AND DIFFERENTIATION THROUGH PRODUCT BRANDING: A CONCEPTUAL ANALYSIS OF THE ROLE OF USP AND EXPERIENCE BRANDING Silvia Ekasari
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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This article conceptually examines the role of Unique Selling Proposition (USP) and experience branding in building image and differentiation through product branding. In the context of increasingly fierce market competition, brands can no longer rely solely on product attributes or price, but need to integrate unique selling points (USP) with a holistic consumer experience (experience branding). Analysis shows that USP functions as a cognitive pillar that highlights the rational differences of a product, thereby strengthening brand image and differentiating it from competitors. On the other hand, experience branding acts as an affective pillar that builds image and differentiation through a series of sensory, emotional, intellectual, and behavioural experiences that are consistent across all touchpoints. The combination of the two creates a more comprehensive, sustainable, and relevant product branding strategy in today's experience-oriented market.
ECONOMIC EFFICIENCY AND SUSTAINABILITY FROM A NATIONAL LEGAL PERSPECTIVE: A LITERATURE REVIEW ON THE ROLE OF SECTOR REGULATION AND STATE-OWNED ENTERPRISES IN REALISING INCLUSIVE AND SUSTAINABLE GROWTH Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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This article examines economic efficiency and sustainability from a national legal perspective through a literature review of the role of sector regulation and state-owned enterprises (SOEs) in achieving inclusive and sustainable growth. Sector regulation is seen as a legal instrument to correct market failures, ensure legal certainty, and encourage the application of sustainability and inclusivity principles through environmental, social, and governance standards. On the other hand, SOEs act as development agents that integrate commercial and social functions, support economic stability, and reduce environmental footprints through green economy practices and more transparent sustainability reporting. The results of the study show that sector regulation and SOEs are two main pillars that must be designed in an integrated, accountable manner and based on the principle of equitable efficiency within the framework of economic democracy to achieve inclusive and sustainable growth.