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E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis
Published by Universitas Sains Dan Teknologi Komputer
ISSN : 19790155     EISSN : 26148870     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Sistem Komputer dan Manajemen Informatika
Arjuna Subject : -
Articles 577 Documents
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Analisis Komparatif Pembiayaan MMQ dan KPR Konvensional Ina Naila Sakinah; Sherli Ramadhani; Alfiyah Salwa Azizah; Muh Furqan Al Faruqi; Kamaruddin Kamaruddin
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2778

Abstract

Musyarakah Mutanaqisah (MMQ) is a form of sharia-based financing that offers a home ownership solution free from elements of interest (riba). This article aims to analyze the application of the MMQ contract in housing finance, compare it with the conventional mortgage scheme (Kredit Pemilikan Rumah/KPR), and evaluate its impact on community welfare. This study employs a descriptive qualitative approach through literature review of academic sources, regulations, and other relevant data. The analysis shows that MMQ is superior in terms of compliance with Islamic principles, fairness in risk sharing, and flexibility in payment structure. Furthermore, the MMQ scheme contributes to the improvement of social and economic well-being, particularly for the lower-middleincome segment of society. Nevertheless, its implementation still faces challenges such as the risk of default and the need for strengthened risk management systems. Therefore, collaboration between Islamic financial j, the government, and the public is essential to optimize the potential of MMQ as a fair and sustainable alternative for home financing
Pengaruh Modal Usaha, Inovasi Produk, dan Strategi Pemasaran Terhadap Persepsi Profitabilitas Pelaku UMKM Kuliner di Wilayah Pekalongan Indonesia, Dini Kharisatul Khabibah; Rokhman, Nur; Dini Kharisatul Khabibah; Nur Rokhman; Titik Rianawati
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2786

Abstract

UMKM in Indonesia have an important role in economic growth, as well as being able to absorb labor, and distribute development results. The purpose of this study was to determine the effect of business capital, product innovation, and marketing strategies on the perception of profitability of culinary UMKM actors in the Pekalongan area. The population in this study were culinary UMKM actors in the Pekalongan area. The sampling technique was purposive sampling so that 95 respondents were obtained. The questionnaire was distributes via Google Form and direct distribution to culinary UMKM actors in the Pekalongan area and measured on a Likert scale 1-5. The collected data were processed using Multiple Linear Regression. The results showed that business capital, product innovation, and marketing strategies had a partial and simultaneous effect on the perception of profitability of culinary UMKM actors in the Pekalongan area.
The Role of Financial Strategies for MSMEs in Responding to Macroeconomic Uncertainty: A Literature Review and Secondary Data Analysis Putri Pratiwi; Silvia Fardila Soliha
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2807

Abstract

Macroeconomic uncertainty poses a structural challenge for the sustainability of micro, small, and medium enterprises (MSMEs) in Indonesia. Fluctuations in inflation, benchmark interest rates, and exchange rates have a direct impact on liquidity, cost structures, and investment decisions. This study aims to explore the types of financial strategies adopted by MSMEs in response to macroeconomic pressures using a systematic literature review and secondary data analysis covering the period from 2019 to May 2024. Data were sourced from official national institutions, including the Central Bureau of Statistics, Bank Indonesia, the Ministry of Cooperatives and MSMEs, as well as relevant academic literature. The findings reveal that MSME financial strategies can be categorized into three key domains: cash management, cost control, and investment planning. MSMEs employing flexible strategies—such as increasing cash buffers, reducing operational costs, and diversifying products or financing sources—demonstrate higher resilience in the face of economic volatility. This study contributes theoretically by enriching the framework of financial adaptation for MSMEs and practically by informing financial literacy programs and policy design. The study also acknowledges limitations in the use of aggregate secondary data and recommends that future research adopt a mixed-method approach to capture undocumented informal financial practices at the grassroots level
Pengaruh Shopping Enjoyment dan Sales Promotion terhadap Impulsive Buying Marketplace Shopee pada Mahasiswa Universitas Riau Meyzi Heriyanto; Devi Juniarty
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2819

Abstract

The purpose of this study was to determine the effect of shopping enjoyment and sales promotion on impulsive buying of shopee marketplace on students of Riau University. The method used is a quantitative method with a data collection technique in the form of a questionnaire responded to by 384 respondents. The sampling technique uses a purposive sampling technique. This study uses analysis such as validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression, t-test, F-test, and coefficient of determination (). Based on the analysis that has been done, the results show that shopping enjoyment and sales promotion have a positive and significant effect on impulsive buying of the Shopee marketplace for students at the University of Riau
Pengaruh Profitabilitas dan Ukuran Perusahaan Terhadap Financial Distress Model Altman Z- Score pada Sektor Consumer Cyclicals di Indonesia Putri Nur Hasanah; Muhammad Iqbal Pribadi; Rahman Anshari
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2829

Abstract

This study aims to examine the influence of profitability and firm size on financial distress  in companies operating within the consumer cyclicals sector listed on the Indonesia Stock Exchange during the 2021–2023 period. Financial distress  was assessed using the Altman Z-Score model. A quantitative approach was employed, utilizing purposive sampling to select a final sample of 101 companies. The analysis was conducted using panel data regression with a fixed effect model. The results indicate that profitability has a positive and statistically significant effect on financial distress , while firm size exerts a negative and significant influence. These findings suggest that companies with higher profitability are generally more resilient to financial distress , whereas larger firms may still be exposed to financial vulnerabilities if not managed effectively.
SYSTEMATIC LITERATURE REVIEW (SLR): USER ACCEPTANCE AND SATISFACTION WITH BYOND SERVICES BY BSI Aida Puspita; Siti Shofiyaturrohmah; Azkania Nabila; Rosyidah Septianingrum
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2835

Abstract

Digital transformation in the Islamic banking sector requires innovation that is responsive to user needs. The BYOND by BSI application is a form of digital transformation by Bank Syariah Indonesia in response to these dynamics. This study aims to examine customer acceptance and satisfaction with the use of the BYOND application based on five recent national studies. The research findings indicate that factors such as perceived usefulness, ease of use, trust, and Islamic banking features play a significant role in driving customer usage and loyalty. Challenges include low digital literacy and concerns about security. With a sustainable approach to feature development and digital education, BYOND has great potential to strengthen the digital Islamic banking ecosystem in Indonesia.
Personalisasi Produk E-Commerce dengan Kecerdasan Buatan untuk Meningkatkan Loyalitas Pelanggan Galuh Aninditiyah; Ayu Miranti Kusumaningrum
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2876

Abstract

In the era of data-driven digital commerce, Artificial Intelligence (AI)-based product personalization has become a key strategy to enhance user experience and foster customer loyalty. However, in the Indonesian e-commerce landscape, there remains a lack of empirical understanding of how personalization systems influence long-term user engagement. This study investigates the impact of AI-driven product personalization on customer loyalty among Indonesian e-commerce users. Employing a mixed-methods approach, quantitative data were collected through an online survey of 150 active users, and qualitative insights were obtained from in-depth interviews with six informants. Statistical analysis using simple linear regression revealed that personalization significantly influences customer loyalty, with a beta coefficient of 0.653 (t = 8.241, p < 0.001) and an R² value of 0.567. Qualitative findings highlight user concerns over recommendation accuracy, interface overload, and repetitive suggestions, which affect emotional satisfaction and platform attachment. This research contributes to the growing body of knowledge on AI adoption in e-commerce by integrating behavioral and technological dimensions of loyalty formation. It also offers practical implications for designing more context-sensitive personalization systems that prioritize not only algorithmic precision but also user control and experience quality.
Efek GHRM dan Personal Moral Norm terhadap Employee Green Behavior di Sektor Perbankan Raspati, Galih; Muchsam, Yoki; Yuda, Mulfi Sandi; Maulana, M Afrizal; Yuningsih, Yuyun Yuniati; Akbar, Tri Sanatha Wahyu
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 2 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i2.2579

Abstract

The rapid environmental degradation currently compels governments and organizations to implement effective preventive measures. This study highlights the urgent need for the implementation of Green Human Resource Management (GHRM) practices and Personal Moral Norms in enhancing Employee Green Behavior within the banking sector. As governments adopt policies related to GHRM, Personal Moral Norms, and Employee Green Behavior, banks, as financial institutions, play a strategic role in promoting sustainability. The objective of this research is to analyze the effects of GHRM and Personal Moral Norms on Employee Green Behavior in the banking sector. A quantitative approach was employed, utilizing a descriptive and associative research design, involving 92 employees from the studied bank branch, with a sampling technique using a census method. Data analysis was conducted using validity and reliability tests, as well as multiple regression analysis with the aid of SPSS 24. The results indicate that GHRM and Personal Moral Norms significantly influence Employee Green Behavior, contributing to 97.8% of the variance in environmentally friendly behavior. These findings provide new insights into the importance of integrating Green values into human resource management and underscore the necessity for banks to adopt policies that support environmental sustainability. This research is expected to serve as a reference for banking institutions in formulating more effective strategies to enhance environmental awareness among employees.
Pengaruh Kualitas Pelayanan dan Pengetahuan Konsumen terhadap Keputusan Penggunaan Layanan Ride-Hailing GrabCar Hemat di Kabupaten Bekasi Maulana, M Afrizal; Mulfi Sandi Yuda; Yoki Muchsam; Galih Raspati
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 2 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i2.2583

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan dan pengetahuan konsumen terhadap keputusan konsumen dalam memilih layanan GrabCar Hemat di Kabupaten Bekasi. Mengingat pesatnya perkembangan layanan transportasi berbasis aplikasi, pemahaman tentang faktor-faktor yang mempengaruhi keputusan konsumen menjadi penting bagi pengelola layanan untuk meningkatkan kualitas serta daya saingnya. Kualitas pelayanan dianalisis berdasarkan lima dimensi: Bukti Fisik, Kepedulian, Daya Tanggap, Keandalan, dan Jaminan. Selain itu, penelitian ini juga mengevaluasi tingkat pengetahuan konsumen mengenai fitur-fitur yang tersedia dalam aplikasi Grab. Metode yang digunakan adalah mix methode. Pengumpulan data dilakukan melalui survei yang disebarkan kepada 130 responden pengguna layanan ride-hailing di Kabupaten Bekasi, menggunakan teknik non-probability sampling dengan metode insidental. Hasil penelitian diharapkan dapat memberikan wawasan bagi pengelola layanan ride-hailing untuk meningkatkan kualitas pelayanan dan memberikan edukasi yang lebih baik kepada konsumen mengenai fitur-fitur layanan, sehingga dapat mendorong adopsi layanan yang lebih luas. Penelitian ini juga bertujuan untuk memperkaya literatur tentang perilaku konsumen dalam konteks penggunaan layanan berbasis teknologi di Indonesia.  
Peran E-HRM dalam Meningkatkan Praktik Green HRM: Studi tentang Kinerja Organisasi Berkelanjutan di Era Digital Muchsam, yoki; Yoki Muchsam; , Galih Respati; Mulfi Sandi Yuda; Mochamad Afrizal Maulana
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 2 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i2.2602

Abstract

Digital transformation and sustainability demands are driving the need for the integration of E-HRM and Green HRM to achieve sustainable organizational performance. This integration serves as a solution to the challenges of resource efficiency, carbon footprint reduction, and enhanced employee engagement in the digital era. This research aims to analyse the role of E-HRM in enhancing Green HRM practices and its impact on sustainable organizational performance. The research methodology employs a Systematic Literature Review (SLR), utilising the Scopus database, with selection based on inclusion-exclusion criteria, data extraction, and thematic analysis of selected journals. The anticipated impact of E-HRM is its support for Green HRM through the digitalization of HR processes that reduce resource usage, the establishment of digital platforms for environmental awareness, and data-driven impact measurement. The integration of both significantly enhances sustainable performance across three dimensions: environmental (a 20-30% reduction in carbon footprint), economic (15-25% cost savings), and social (30-40% increase in employee engagement). Key implementation factors include technological readiness, management commitment, and alignment with ESG strategies. This research contributes a conceptual framework for the integration of E-HRM and Green HRM, along with practical recommendations for achieving sustainable competitive advantage in the digital age.

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