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INDONESIA
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 30633648     DOI : Zenodo
Core Subject : Economy,
Economics, Econometrics & Finance
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.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 502 Documents
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A LEGAL ANALYSIS AND SOCIO-ECONOMIC IMPACT OF ONLINE LENDING (FINTECH LENDING) IN INDONESIA: A LITERATURE REVIEW Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128536

Abstract

The development of financial technology in Indonesia, particularly information technology-based financing services (fintech lending), has experienced exponential growth but has also brought about serious consequences regarding legal aspects and socio-economic impacts. This study aims to analyse the effectiveness of fintech lending regulations in protecting consumers and to identify the positive and negative socio-economic impacts of online lending practices in Indonesia. The research method employed a literature review using a normative and conceptual approach. The findings indicate that although Indonesia has a comprehensive legal framework comprising the Consumer Protection Act, the Personal Data Protection Act, and OJK regulations relating to fintech lending, implementation and enforcement still face serious challenges, particularly in the enforcement of laws against illegal fintech operations, the protection of personal data, and unethical debt collection practices. From a socio-economic perspective, fintech lending has positive impacts in the form of increased financial inclusion and access to finance for MSMEs, but it also gives rise to significant negative impacts such as over-indebtedness, debt traps, psychological pressure, reduced productivity, social stigma, and even the risk of mental health issues and suicide. The gap between the objectives of financial inclusion and the reality on the ground is clearly evident in the dominance of consumer finance over productive finance, as well as the surge in cases of illegal online lending, which continues to rise despite tighter regulations. This study recommends strengthening coordination between regulatory bodies, more rigorous law enforcement against illegal fintech, improving public financial and legal literacy, and strict oversight of personal data protection so that fintech lending can function as a means of economic empowerment without compromising legal certainty and social welfare.
A LEGAL REVIEW OF GOVERNMENT REGULATION NO. 34 OF 2019 ON BORDER TRADE IN RELATION TO LEGAL PROTECTION FOR INDONESIA’S BORDER COMMUNITIES Irma Rachmawati Maruf; Karman
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128560

Abstract

Indonesia’s border regions require clear legal regulations to ensure certainty and protection for the communities living in these areas. This study aims to critically analyse Government Regulation No. 34 of 2019 on Border Trade in the context of legal protection for Indonesia’s border communities. The research method employs a normative legal approach, utilising legislative and conceptual analyses. The findings indicate that Government Regulation No. 34 of 2019 has provided a comprehensive regulatory framework establishing the legal subjects, locations, administrative requirements, types of goods, and transaction values for border trade. This regulation provides preventive legal protection by affirming the rights of border communities to engage in trade, establishing official border crossing routes, and regulating immigration and customs documentation—which are prerequisites for the legality of economic activities. However, the effectiveness of this legal protection remains limited, as the implementation of the regulation on the ground faces challenges such as inter-agency coordination issues, resource constraints, and poor public access to public services. This study recommends the need for a holistic and synergistic approach involving central and local governments, the enhancement of border infrastructure capacity, legal awareness programmes for the community, and a shift in policy orientation from security to the fulfilment of constitutional rights and the welfare of border communities.
THE EFFECTIVENESS OF FIXED ASSET MANAGEMENT IN SUPPORTING ORGANIZATIONAL PERFORMANCE: EVIDENCE FROM THE REGIONAL SECRETARIAT OF KENDARI CITY Muh. Rijal; Muhammad Yusuf; Sarinah
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128588

Abstract

This study aims to analyze the effectiveness of fixed asset management in supporting organizational performance at the Regional Secretariat of Kendari City. The study employed a qualitative approach using a descriptive method. Data were collected through observation, interviews, and documentation studies involving informants selected through purposive sampling, namely the Asset Manager of the Regional Secretariat of Kendari City and staff responsible for regional asset management. Data analysis was conducted through the stages of data collection, data reduction, data display, and conclusion drawing. The results indicate that fixed asset management at the Regional Secretariat of Kendari City has been implemented through eight stages: asset needs planning, asset procurement, asset inventory, asset legal audit, asset valuation, asset maintenance, asset disposal, and asset transfer. Overall, the implementation of fixed asset management has been carried out effectively and in accordance with applicable regulations and procedures, referring to the asset management theory proposed by Gima A. Sugiama. The effectiveness of fixed asset management is reflected in the availability of facilities and infrastructure that support the implementation of organizational duties and functions, the optimal maintenance of assets, and the improvement of efficiency and smoothness in organizational operations. However, several challenges remain, particularly in asset data management and the updating of asset information, which require further attention to enhance the quality of asset management in the future.
FROM TEACHING PROVIDERS TO KNOWLEDGE ENGINES: TRANSFORMING PRIVATE HIGHER EDUCATION IN ACEH AMID THE ARTIFICIAL INTELLIGENCE REVOLUTION Chairul Bariah
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128597

Abstract

The rapid advancement of Artificial Intelligence (AI) is fundamentally reshaping the global landscape of higher education, challenging established business models and modes of knowledge delivery. In Indonesia, Private Higher Education Institutions (PHEIs) serve a critical role in expanding access, yet they remain structurally vulnerable due to heavy reliance on tuition fees and a prevailing focus on instruction over inquiry. This article examines the existential challenges facing PHEIs, with specific focus on the post‑conflict, resource‑rich but economically constrained context of Aceh. It argues that the traditional model of “teaching factories” is no longer viable in an era where AI democratises information access. Instead, PHEIs must undergo a paradigm shift to become Knowledge Engines: institutions that treat research, faculty development, and community engagement as strategic investments rather than operational costs. Drawing on recent global literature and local contextual analysis, the study proposes a four‑pillar framework comprising problem‑centred local research, faculty empowerment as knowledge producers, integrated curricula, and strategic partnership development. The analysis demonstrates that by leveraging AI not merely for efficiency but to unlock local data and contextual insights, PHEIs can build unique competitive advantages that large public universities cannot easily replicate. This transformation is not only essential for institutional survival but also vital for ensuring that higher education contributes meaningfully to regional development, cultural preservation, and intellectual independence in Aceh and across Indonesia.
GREEN PRODUCT, CONSUMER ATTITUDE, ENVIRONMENTAL AWARENESS  IN PURCHASE INTENTION NPURE TONER Luh Willa Yasmira Dewi; Putu Saroyini Piartrini
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 2 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21769719

Abstract

Climate change and rising public concern for environmental issues have reshaped consumer behavior toward more environmentally friendly products, including in the beauty industry. NPure, an Indonesian local skincare brand built on the concept of green beauty, faces the challenge of strengthening consumer purchase intention amid lingering skepticism toward the authenticity of green products. This study analyzes the influence of green product and consumer attitude on purchase intention, and examines environmental awareness as a moderating variable for NPure toner in Denpasar, Bali. A quantitative survey was distributed to 130 NPure consumers selected through purposive sampling, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that green product and consumer attitude each have a positive and significant effect on purchase intention, while environmental awareness fails to moderate either relationship. These findings suggest that consumers' environmental awareness neither strengthens nor weakens the link between green product, attitude, and purchase intention toward NPure. The study concludes that green product quality and favorable consumer attitude are the primary drivers of purchase intention for environmentally friendly skincare, and recommends that future research test alternative moderators such as green trust or green perceived value.
GREEN TRUST IN LINKING GREEN PRODUCT AND WORD OF MOUTH Kadek Intan Nathasa Pratiwi; Ni Made Purnami
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 2 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21769745

Abstract

Background: The increasing consumer awareness of health, safety, and environmental sustainability has encouraged the growth of green cosmetic products. In the skincare industry, green product attributes alone may not be sufficient to encourage consumers to recommend a brand, as consumers also need trust in the credibility of environmental claims. Objective: This study aims to examine the role of Green Trust in linking Green Product and Word of Mouth among Sensatia Botanicals consumers in Bali. Method: This study used a quantitative approach with an explanatory research design. Primary data were collected through a survey of 150 Sensatia Botanicals consumers in Denpasar City. Respondents were selected using purposive sampling based on two criteria: having purchased Sensatia Botanicals products and understanding the brand’s environmentally friendly claims. Data were analyzed using Partial Least Squares Structural Equation Modeling. Results: The findings show that Green Product has a positive effect on Word of Mouth and Green Trust. Green Trust also has a positive effect on Word of Mouth. Furthermore, Green Trust significantly mediates the relationship between Green Product and Word of Mouth. Conclusion: Green product attributes become more effective in encouraging recommendation behavior when consumers trust the brand’s environmental commitment.
THE INFLUENCE OF WORK STRESS ON TURNOVER INTENTION WITH JOB SATISFACTION AS A MODERATING VARIABLE Marina; I Wayan Eka Sudarmawan
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 2 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21769832

Abstract

This study aims to analyze the influence of work stress on turnover intention, examine the influence of job satisfaction on turnover intention, and examine the moderating role of job satisfaction in the relationship between work stress and turnover intention. The study employed a quantitative approach with a causal research design and was conducted at a company operating in the hospitality sector. The research sample consisted of 90 employees. Data were collected through questionnaire distribution and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the assistance of WarpPLS software. The results indicate that work stress has a positive and significant effect on turnover intention, whereas job satisfaction has a negative and significant effect on turnover intention. In addition, job satisfaction was found to moderate the relationship between work stress and turnover intention with a negative moderating direction, indicating that job satisfaction weakens the effect of work stress on turnover intention. These findings suggest that managing work stress through improved job satisfaction is an important factor in reducing employees' tendency to leave the organization. The implications of this study emphasize the importance of organizational policies that support employee well-being, proportional workload management, and the development of a work environment capable of enhancing job satisfaction in order to retain high-quality human resources.
TAXPAYER READINESS FOR FULLY DIGITAL TAX ADMINISTRATION MODELS Loso Judijanto; Amirah Andika Rifdayanti
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 2 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21769820

Abstract

Digital transformation in tax administration is one of the government's primary strategies to improve efficiency, transparency, and tax compliance. The implementation of a fully digital tax administration model requires taxpayers to be prepared to adopt various technology-based systems and services. This study aims to analyze the level of taxpayer readiness for the implementation of fully digital tax administration models and identify factors influencing this readiness. The study employed a literature review method, examining various scientific articles, institutional reports, and relevant policy documents regarding the digitalization of tax administration. The results indicate that taxpayer readiness is influenced by the level of digital literacy, perceived ease of use of the system, data security and protection, trust in tax authorities, the quality of technological infrastructure, and the effectiveness of government outreach and assistance. Furthermore, digitalization of tax administration has the potential to increase voluntary compliance, accelerate tax reporting and payment processes, and reduce administrative costs. However, the gap in technology access and digital capabilities among taxpayer groups remains a challenge that needs to be addressed. Therefore, a comprehensive strategy is needed through strengthening digital literacy, improving the quality of electronic services, and developing inclusive policies to support the successful implementation of digital tax administration across the board. This research provides a conceptual contribution to understanding the determinants of taxpayer readiness and its implications for the success of digital transformation in the tax sector.
THE FUTURE OF WORK: AI ADOPTION, EMPLOYEE PRODUCTIVITY, AND ORGANIZATIONAL EFFECTIVENESS Ramdan Yusuf; Sari Mariahma Nova Sipayung
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 2 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21769859

Abstract

The rapid advancement of Artificial Intelligence (AI) is transforming the future of work by reshaping organizational processes, employee roles, and performance expectations across various industries. This study aims to examine the relationship between AI adoption, employee productivity, and organizational effectiveness in the contemporary workplace. Using a literature review approach, the study synthesizes findings from recent scholarly publications, industry reports, and empirical studies to identify key trends, opportunities, and challenges associated with AI implementation in organizations. The analysis indicates that AI adoption contributes significantly to improving employee productivity through process automation, data-driven decision-making, and enhanced collaboration between humans and intelligent systems. Furthermore, organizations that strategically integrate AI into their operational and managerial practices demonstrate higher levels of organizational effectiveness, including increased efficiency, innovation capacity, and competitive advantage. However, the findings also reveal several challenges, such as workforce resistance, digital competency gaps, ethical concerns, and the need for adaptive leadership and continuous learning initiatives. The study concludes that the successful realization of the future of work depends not only on technological investment but also on organizational readiness, employee empowerment, and the development of sustainable AI governance frameworks. These findings provide valuable insights for academics, practitioners, and policymakers seeking to foster productive and resilient workplaces in the AI era.
THE INFLUENCE OF FINANCIAL LITERACY, FLUCTUATIONS IN GOLD PRICES AND INCOME ON INVESTMENT DECISIONS FOR GOLD SAVINGS WITH INVESTMENT INTEREST AS MODERATION Evi Mutma’inah
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 2 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21769845

Abstract

Gold Savings Investment is one of the people's choices because it has relatively low risk and is easily accessible. This research aims to analyze the influence of financial literacy, fluctuations in gold prices and income on Gold Savings investment decisions in PT Pegadaian CP Kartasura customers with investment interest as a moderating variable. This study used a quantitative approach with primary data from 80 respondents obtained through questionnaires. Data analysis was performed using SEM-PLS with the help of SmartPLS 4. The results showed that financial literacy did not have a significant effect on investment decisions, while fluctuations in gold prices and income had a positive and significant effect. Investment interest is also unable to moderate the influence of financial literacy, fluctuations in gold prices, or income on investment decisions. The determination coefficient values show that the research model was able to explain 72.6% of the variation in investment decisions. This research concludes that gold income and price fluctuations are the main factors that influence Gold Savings investment decisions.

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