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Inovbiz : Jurnal Inovasi Bisnis
Published by Politeknik Negeri Bengkalis
ISSN : 23384840     EISSN : 26146983     DOI : 10.35314
Core Subject :
Jurnal Inovasi Bisnis (Inovbiz) focuses on how we gain knowledge through innovation and how knowledge encourages the innovation both in economics and business. It is provided for writer, researcher, professor, and practitioner who want to publish their research reports or articles, theoritical or critical study, original and up to date ideas. Inovbiz has a broad scope in the following areas: Economics Business Management
Arjuna Subject : -
Articles 9 Documents
 1 
Search results for , issue "vol 13 no 1 (2025)" : 9 Documents clear
Effectiveness Of The Operation And Maintenance Of Natural Tourism Assets In Sumedang Regency (Case Study Of Cipadayungan, Cigorobog, And Ciputrawangi Tourism) Suji Abdullah Saleh; Reska Siti Mustika; Gilang Ramadhan
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.495

Abstract

The natural attractions of Curug Cipadayungan, Curug Cigorobog, and Curug Ciputrawangi are natural attractions in Sumedang Regency. However, the ineffective performance of operations and maintenance of tourism facilities causes existing facilities to experience problematic phenomena. Problem phenomena such as tourist attractions in the playground area that have been damaged and gazebos and seating that have been broken. Apart from that, it is difficult for visitors to reach tourist areas because the roads are potholed and there are no public transportation services. This research aims to measure the effectiveness of the operation and maintenance performance of natural tourism in Sumedang Regency based on indicators of assets, operations and maintenance, health, safety & environment, officer training & development, accessibility, officer satisfaction and user satisfaction. This research uses descriptive research methods with quantitative and qualitative approaches, and data collection techniques are done through observation, interviews, questionnaires and documentation studies. Based on the measurement results, the tourism measured on each indicator shows that the results are not good.
Analysis Of Business Feasibility Study In Trade And Service Unit Bumdes Kuala Alam Bengkalis Regency Nazrantika Sunarto; Juan Hutajulu
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.503

Abstract

This study aims to determine the feasibility of BUMDES KUALA ALAM Service  Unit and what are the inhibiting factors for the feasibility of the business. This type of research is descriptive qualitative. In this study, interview and observation techniques were used to collect data. The study on the Service  Unit was seen from the aspects of the market and marketing, management/organizational aspects, legal aspects, socio-economic aspects and financial aspects and what factors inhibit the feasibility of the business. According to the research results and conclusions, from the market and marketing aspects, management/organizational aspects, legal aspects are very feasible to run because they have met the assessment criteria of several indicators. For the economic social aspect, it cannot be said to be feasible to run because socially it has not had an impact on the community, especially the XXXX Village community and the financial aspect is not feasible to run because the Payback Period is 5 Years 6 Months 5 Days, Net Present Value <0 with a value of -60,848,781, Profitability Index <1 with a value of 0.188 and the inhibiting factors for the feasibility of the business at BUMDES KUALA ALAM Service  unit are limited capital participation, lack of expanding market share and poor financial management.
The Influence of TikTok Live Streaming on Fashion Product Purchasing Decisions (Case Study of Bengkalis State Polytechnic Students) Dwi Astuti; Fatinajiha
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.514

Abstract

This research aims to analyze the influence of TikTok live streaming on decisions to purchase fashion products (Case Study of Bengkalis State Polytechnic Students). This type of research is associative research. Data collection was in the form of a questionnaire via Google Form using the Non Probability Sampling sampling method, namely the Purposive Sampling technique. The sample was taken from 100 respondents, namely active students of the Bengkalis State Polytechnic and who had purchased fashion products on TikTok during live streaming. The data analysis method used is simple linear regression. The research results show that TikTok live streaming influences the purchasing decisions of Bengkalis State Polytechnic students by 53.9% and the rest is influenced by other factors not explained in this research.
Customer Perceptions Of Interest And Profit Margins In Financial Institutions Wita Dwika Listihana; Idel Waldelmi; Afvan Aquino
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.536

Abstract

This study aims to analyze customer perceptions of interest rates and profit margins in banking institutions, focusing on competitiveness, fairness, transparency, and their influence on decision-making. Using a quantitative approach, data were collected through surveys targeting bank customers who interact with both conventional and Islamic banking systems. The findings reveal significant differences in customer perceptions: Interest Rates: While perceived as competitive (average score: 3.05), interest rates are considered less fair (2.95–3.04) and less transparent (3.04). Customers associate interest rates with higher risks due to market fluctuations, which affects their trust and decision-making (3.20). Profit Margins: Islamic banking's profit margins outperform interest rates in competitiveness (3.14), fairness (3.12–3.28), and transparency (3.11). The fixed nature of profit margins offers stability and aligns with Sharia principles, leading to higher trust and influence in customer decisions (3.29). The study concludes that profit margins are perceived as more favorable due to their adherence to fairness and transparency principles, whereas interest rates are associated with risks and limited adaptability. Conventional banks need to improve transparency and fairness, while Islamic banks should focus on expanding accessibility and educating customers about Sharia-compliant mechanisms. The findings emphasize the growing preference for ethical and stable financial systems
The Effect of Return on Asset, Debt to Equity Ratio, and Current Ratio on Stock Returns with Dividend Policy as an Intervening Variable Eva Emilia Suci Helmiawati
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.546

Abstract

This research aims to examine the influence of return on asset, debt to equity ratio, and current ratio on stock returns with dividend policy as an intervening variable in mining companies listed on the IDX for the 2020-2022 period. The type of research used is quantitative research with a descriptive approach. The population in this research are mining companies listed on the Indonesia Stock Exchange (IDX) for the 2020-2022 period. Sample determination was carried out using the purposive sampling method. The data source used in this research comes from secondary data in the form of company financial reports. The data collection technique uses the documentation method. The data analysis technique used is the outer model test and inner model test. The result of this test show that return on asset and debt to equity ratio have an effect on stock returns, the current ratio has no effect on stock returns. Return on asset, debt to equity ratio, and current ratio have no effect on dividend policy, dividend policy has an effect on stock returns, and dividend policy as an intervening variable cannot mediate return on asset, debt to equity ratio, and current ratio on stock returns.
Love of Money, FOMO, and Investment: The Role of Social Media Influencers Arum Pujiastuti
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.597

Abstract

This study examines the influence of Love of Money (LoM), Fear of Missing Out (FOMO), and the moderating role of social media influencers (SMIs) on investment decision. Given the recent surge in capital market participation by millennials and Gen Z, this research aims to identify behavioral factors driving investment decisions. Utilizing a quantitative survey, findings indicate that FOMO significantly impacts investment intentions (p=0.004). Conversely, Love of Money (p=0.430) and the direct influence of SMIs (p=0.712) were not statistically significant predictors. Crucially, a significant interaction was found between SMIs and FOMO (p=0.000), demonstrating that SMIs substantially amplify FOMO's effect on investment intentions. No significant interaction was observed between SMIs and LoM (p=0.204). These results highlight FOMO's potent role, especially when amplified by social media exposure, in shaping young investor behavior. The study recommends enhanced financial literacy and ethical conduct among SMIs to encourage prudent investment practices, mitigating risks from FOMO-driven decisions.
Beyond Rules: A Comparative View on Work Discipline Practices in Public and Private Workplaces Willson Gustiawan; Cantika Erina Putri; Elsa Santika; Fisla Wirda; Yosi Suryani
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.609

Abstract

This study aims to compare the implementation and perception of work discipline between a private-sector company and a public-sector institution in West Sumatra, Indonesia. Using a qualitative descriptive approach, the research explores how disciplinary systems operate, how leadership influences compliance, and how employees respond to enforcement in both organizational settings. Data was collected through interviews, observations, and document analysis, then analyzed using thematic and cross-case comparison methods. The results reveal that while both organizations recognize the importance of discipline, their enforcement strategies differ significantly. The private organization adopts a flexible and immediate approach supported by technology and managerial discretion but lacks structured reward mechanisms. In contrast, the public institution follows formal regulations with a clear procedural framework but faces challenges in day-to-day monitoring and enforcement. Both contexts demonstrate the critical role of leadership, internal culture, and perceived fairness in shaping disciplinary outcomes. This study contributes to the human resource management literature by highlighting how work discipline is not solely a matter of regulation but also a function of organizational behavior and employee perception. It offers practical recommendations for designing discipline systems that are procedurally sound, contextually adaptive, and human centered.
The Influence Of Satisfaction And Trust On Customer Loyalty In Using The Dana E-Wallet Application(Case Study on E-Wallet Application Service Users DANA Bengkalis District) Fitria Dwiwulandari; Bustami
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.742

Abstract

This study aims to examine the influence of satisfaction (X1) and trust (X2) on customer loyalty (Y) in using the Dana e-wallet application in Bengkalis District. A quantitative approach was employed, collecting data through questionnaires distributed to 100 respondents. Data analysis involved descriptive statistics, validity and reliability tests, classical assumption analysis, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results showed that both satisfaction (X1) and trust (X2) have a positive and significant impact on customer loyalty (Y). This is evidenced by the calculated t-value being greater than the t-table value and the calculated f-value exceeding the f-table value. The coefficient of determination (R²) of 0.796 indicates that 79.6% of the variation in customer loyalty can be explained by customer satisfaction and trust. This study concludes that satisfaction and trust are crucial factors influencing customer loyalty in using the Dana e-wallet application in Bengkalis District. Therefore, Dana should prioritize enhancing customer satisfaction and trust to foster increased customer loyalty.
Digital Financial Transactions Using QRIS Reviewed From The Legal Aspects Fridayani; Benny Cuaca
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.1894

Abstract

One sector that is experiencing changes in the current digital era is the financial sector, where payment transactions are starting to be carried out through digital systems, some of which use the QRIS system. Payment transactions via QRIS can speed up transactions and reduce operational costs, especially for commercial players. However, the use of QRIS has clearly given rise to what is called digital crime, which can harm users (QRIS consumers) by destroying the QR code and "undoing" the actions carried out by the perpetrator. This research uses qualitative research with data collection techniques through library research which is analyzed qualitatively. The results of the first research concluded that legal protection for QRIS users based on current regulations includes PJSP having valid legal status, PJSP must create a financial innovation ecosystem with good digital credentials in the financial services sector and be registered with the Financial Services Authority. OJK and QRIS users (consumers) enjoy rights based on the provisions of the Consumer Protection Law and the ITE Law. Second, the legal consequences of misusing consumer data in digital transactions using QRIS make the perpetrator liable for professional misconduct. For losses incurred, QRIS users can file a civil lawsuit or compensation through PJSP, as stipulated in Article 12, paragraph 1, Law no. 27, 2022 on personal data protection.  

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