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<![CDATA[The Impact of Islamic Banking Financing on Economic Growth in Indonesia ]]>
<![CDATA[Teapon, Rizal Rahman H]]>;
<![CDATA[Evalia, Nur Afni]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.71707
<![CDATA[The optimization of the financial intermediation function is one of the primary goals of Law Number 4 of 2023. This regulation assigns a role to Islamic banking in carrying out intermediation, including financing. Therefore, this study aimed to determine the effects of Islamic banking financing on economic growth in Indonesia, using Novel Dynamic ARDL Simulation approach with time series data from 2009Q1 to 2022Q4. The results showed that work capital (WCP) and investment (INV) were significantly, positively, and dynamically related to economic growth (GDP) in the short and long terms, with consumption (CON) having a relevant and negative association. Policy simulation scenarios also proved that a 5% increase in WCP and INV encouraged GDP to the 20th quarter of the experimental year. In this context, the marginal impact of the variables sustained long-term economic growth in a positive trend after financing threshold point.]]>
<![CDATA[The Dynamic Nexus Among Energy Consumption, Economic Growth, and Green Finance on Environmental Quality ]]>
<![CDATA[Rahmayani, Dwi]]>;
<![CDATA[Anas, Muhammad]]>;
<![CDATA[Rachman, Mohammad Aulia]]>;
<![CDATA[Vikia, Yahya Mahda]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.72253
<![CDATA[This study investigates the relationship among energy consumption, economic growth, and green finance on environmental degradation. The Panel Dynamic ARDL-PMG was used to analyze the model in 33 provinces in Indonesia from 2010 to 2022. The result shows that GRDP per capita, Motor Vehicle Volume, and Green Finance significantly positively affect the Environmental Quality Index in the long run. In the short run, GRDP per capita significantly negatively affects the EQI. The findings of this study emphasize that the implementation of Indonesia's energy transition policy must be completed, including a comprehensive transition from upstream to downstream. The transition to a non-fossil fuel energy system must begin by converting fossil fuel power plants to non-fossil fuel power plants. Meanwhile, the government must expand public transportation and encourage electric vehicles through fiscal incentive schemes.]]>
<![CDATA[Relationship between Green Entrepreneurial Orientation and Financial Literacy on SMES' Financial Performance ]]>
<![CDATA[Ningsih, Ni Luh Anik Puspa]]>;
<![CDATA[Darma, I Ketut]]>;
<![CDATA[Dewi, Made Pratiwi]]>;
<![CDATA[Karyati, Ni Kadek Tata]]>;
<![CDATA[Mustika, Rhenasya Oktiani]]>;
<![CDATA[Sarmawa, I Wayan Gde]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.72982
<![CDATA[The growth of tourism encourages the growth of the Culinary MSME sector in Bali. The culinary sector is very vulnerable to producing waste. On the other hand, SMEs are expected to be oriented towards the concept of green entrepreneurship to minimize waste. This study aims to analyze the influence of the implementation of green entrepreneurial orientation (GEO) and financial literacy on the performance of SMEs. The subject of this study is culinary SMEs in Bali with the distribution of questionnaires to 100 samples. The analysis techniques used are descriptive analysis and inferential analysis with Partial Least Squares. The results of this study show that financial literacy has a significant positive effect on GEO, but financial literacy has a non-significant effect on the performance of culinary SMEs in Bali and GEO has a significant positive impact on the performance of culinary SMEs in Bali.]]>
<![CDATA[The Central Role of Satisfaction in Shaping Customer Loyalty: Insights from Omni-Channel Retailing ]]>
<![CDATA[Yunita, Dessy]]>;
<![CDATA[Nofiawaty]]>;
<![CDATA[Maulana, Ahmad]]>;
<![CDATA[Malinda, Shelfi]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.73789
<![CDATA[The purpose of this study is to determine whether satisfaction mediates the relationship between omni-channel intensity and shopping value on customer loyalty in omni-channel retail. This study focuses on omni-channel customers in Palembang, where data were collected through questionnaires distributed to 200 respondents who had made purchases on at least two retail channels. Data analysis was conducted using AMOS. The findings reveal that omni-channel intensity and shopping value do not directly influence customer loyalty. However, mediation tests show that omni-channel intensity affects customer loyalty through satisfaction, as does shopping value through satisfaction. The study implies that fostering satisfaction in omni-channel retail significantly enhances customer loyalty. To achieve this, it is important to prioritize factors that ensure consistency and seamless channel integration, and the creation of shopping experiences that shape value.]]>
<![CDATA[Does the COVID-19 Pandemic Impact on Audit Fee and Audit Report Lag? ]]>
<![CDATA[Farhana, Farhana Farhana]]>;
<![CDATA[Rahayu, Dewi Pudji]]>;
<![CDATA[Nugroho, Arif Widodo]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.74715
<![CDATA[This article explains whether the COVID-19 pandemic affects Audit Fee and Audit Report Lag in the financial sector in 2018-2022. The sampling technique used was purposive sampling. The sample in this study were 59 financial sector companies listed on the Indonesia Stock Exchange (IDX), the research data totaled 295 samples. This study uses a panel regression model to estimate the extent to which the COVID-19 pandemic predicts changes in Audit Fee and Audit Report Lag. The results of this study indicate that the COVID-19 pandemic has a positive effect on Audit Fee and Audit Report Lag. There is evidence that the COVID-19 pandemic has an influence on audit quality. The results have significant policy implications, especially from the perspective of the Indonesian Public Accountants Association (IAPI), to warn auditors about the increased audit risk caused by the COVID-19 pandemic and the need to compensate with quality audits.]]>
<![CDATA[Financial Literacy and Inclusion in Indonesia During the Crisis: A Content Analysis Approach ]]>
<![CDATA[Dunggio, Maryam]]>;
<![CDATA[Chusnah]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.76161
<![CDATA[This study aims to identify and describe the condition of financial literacy and inclusion in Indonesia during the covid-19 pandemic crisis (March 2, 2020 – August 31, 2022). The data used are news published in online news media, namely Kompas.id. The number of news articles used was 65. The analysis method used is content analysis. The result of this study’s analysis show that the main topic that is most discussed about financial literacy and inclusion in Indonesia is the poor condition of financial literacy and inclusion in Indonesia. The most discussed special topic about financial literacy is the community group that is the focus of financial literacy. Meanwhile, low financial literacy is the most discussed sub-topic. Efforts to increase financial inclusion are the topic with the highest frequency of discussion related to financial inclusion in Indonesia. The most discussed sub-topic related to financial inclusion is digital-based financial inclusion.]]>
<![CDATA[Exploring Cognitive Bias Influence on Investment Decisions in Indonesia: The Mediating Role of FOMO ]]>
<![CDATA[Budiman, Johny]]>;
<![CDATA[Ong, Teddy]]>;
<![CDATA[Yuwono, Wisnu]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.76879
<![CDATA[This study investigates the impact of cognitive biases on investment decisions in Indonesia, emphasizing the mediating role of fear of missing out (FOMO). Addressing a research gap, it extends prior studies by incorporating overconfidence and risk perception alongside commonly examined biases such as loss aversion and herding. A quantitative approach was employed through a survey of retail investors, and data were analyzed using partial least squares-structural equation modeling (PLS-SEM) via SmartPLS. The findings reveal that herding exerts a significant influence on investment decisions, whereas loss aversion, overconfidence, and risk perception show no direct effect. Notably, FOMO mediates the relationship between loss aversion and investment decisions, though herding remains the most dominant factor. These results suggest that while Indonesian investors demonstrate rational tendencies, susceptibility to social dynamics and behavioral triggers persists. The study contributes to behavioral finance literature and offers practical insights for mitigating bias-driven investment risks.]]>
<![CDATA[The Role of Self-Determination in Linking Humble Leadership to Employee Adaptive Performance ]]>
<![CDATA[Fikri, Khusnul]]>;
<![CDATA[Astarina, Ivalaina]]>;
<![CDATA[Ramadhan, Rian Rahmat]]>;
<![CDATA[Setianingsih, Rahayu]]>;
<![CDATA[Alviani, Devi]]>;
<![CDATA[Marnis, Marnis]]>;
<![CDATA[Daryanes, Febblina]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.77901
<![CDATA[Amid the evolving business environment, traditional performance management models have become less relevant, emphasizing the importance of adaptive performance. Adaptive performance is assumed to be influenced by humble leadership, though its impact may depend on employees' perceptions of the leader's motives. This study, using Self-Determination Theory, aims to examine the role of self-determination as a mediator in the relationship between humble leadership and adaptive performance. Data was collected through a 5-point Likert scale questionnaire from 185 private sector employees in Riau, analyzed using SEM PLS. The results show that humble leadership has a positive impact on adaptive performance, both directly and through self-determination as a mediator.]]>
<![CDATA[Warung Madura’s Survival Strategy Amidst the Challenges of the Digital Economy ]]>
<![CDATA[Sukidin, Sukidin]]>;
<![CDATA[Abshor, Faqih Ulil]]>;
<![CDATA[Ani, Hety Mustika]]>;
<![CDATA[Kusumawati, Astrian]]>;
<![CDATA[Widiastuti, Anik]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.78872
<![CDATA[Warung Madura characterized by a simple business model and strong work ethic, have become an integral part of Indonesia’s microeconomy. The rapid development of technology and digitalization, however, presents challenges for shop owners to remain relevant and competitive in an increasingly digital market. This study aims to examine the work ethic and survival strategies of Warung Madura in the context of digital transformation. A qualitative approach was employed through in-depth interviews and participant observation with four shop owners in Jember who have operated their businesses for at least one year. The findings reveal that perseverance, discipline, and quality service constitute essential capital for sustaining business operations. Although limited technological access and digital literacy remain constraints, some owners have begun utilizing social media and simple digital platforms such as WhatsApp. The study concludes that work ethic, adaptability, creativity, and digital literacy are key to ensuring the sustainability of Warung Madura]]>
<![CDATA[Improving Voluntary Tax Compliance: The Role of Account Representatives’ Quality Services ]]>
<![CDATA[Khoiriawati, Novi -]]>;
<![CDATA[Mashudi, Mashudi]]>;
<![CDATA[Meirini, Dianita]]>;
<![CDATA[Muhammadi, Qasem]]>
<![CDATA[ Jurnal Economia Vol. 21 No. 3 (2025): October 2025 ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for ]]>
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DOI: 10.21831/economia.v21i3.84208
<![CDATA[This study examines the mediating role of taxpayer’s satisfaction in the relationship between service quality of account representative and voluntary tax compliance. The research employed a quantitative approach with a survey method. The data were collected by distributing questionnaires to 327 taxpayers who had previously consulted with an account representative. Structural equation modelling (SEM) using AMOS Graphics was employed to analyse the data. The research results showed that the service quality of account representatives and taxpayer satisfaction had positive and significant effects on voluntary compliance. This study also found that taxpayer satisfaction does not mediate the relationship between the service quality of account representatives and voluntary. This was because tax payments are compulsory and based on law, so whether the taxpayers are satisfied with the service of the account representative does not affect their compliance in paying the taxes.]]>
