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Karona Cahya Suseno
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INDONESIA
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
ISSN : 23388412     EISSN : 27164411     DOI : https://doi.org/10.37676/ekombis.v8i1.926
Ekombis Review: Jurnal Ilmiah Ekonomi dan Bisnis is a peer-reviewed journal. Ekombis invites academics and researchers who do original research in the fields of economics, management, and accounting.
Articles 87 Documents
Search results for , issue "Vol 12 No 3 (2024): Juli" : 87 Documents clear
The Influence Of Information And Communication Technology (ICT) Development On Income Inequality Through Economic Development Sandra Olivia Pratiwi; Muhammad Hanri
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6018

Abstract

Over the last few decades, the development of information and communication technology (ICT) has had a major impact on the economy and society more broadly. There is currently a consensus that developments in information and communication technology (ICT) can provide a boost to sustainable economic development. This study aims to analyze the influence of the development of information and communication technology (ICT) on income inequality through economic development in Indonesia. Analysis of the research uses econometric analysis using the fixed effect model with the Two-Stage-Least-Square (TSLS) method with a period of 2017–2021 to understand the extent to which the development of information and communication technology (ICT) can facilitate reducing income inequality through economic development. The data used in this study came from the Central Statistics Agency (BPS), the Ministry of Finance of the Republic of Indonesia, the Ministry of Communication and Information, and the National Socioeconomic Survey (SUSENAS). The results of this study found that the influence of significant positive ICT development can encourage reduced income inequality through economic development in Indonesia. Social assistance provided by the government has shown significant help in reducing inequality in Indonesia. ICT development can encourage reducing inequality and economic development outside Java Island but not in Java Island. The influence of ICT development is greater in provinces with the lowest service sector compared to provinces with the highest service sector.
Empirical Evidence For Sharia Financial Literacy Levels In Muslim Communities: 3T Region, Sorong, Southwest Papua Nurul Hidayah; Nurhani Nurhani; Wisang Candra Bintari; Nugroho Dwi Prihandoko; Mitta Muthia Wangsi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6019

Abstract

Financial inclusion is positively correlated with public financial literacy, according previous literatures. National Survey of Financial Literacy and Inclusion explained that Sorong City, as one of Indonesia's 3T (Underprivileged, Frontier, and Outermost) regions, has very low sharia financial literacy, this could hinder the expansion of local sharia financial institutions. This research aims to evaluate the level of sharia financial literacy level by evaluating 5 aspects: fundamental understanding of sharia finance (FUSF), sharia insurance (SI), sharia capital market investment (ICM), sharia savings and financing (SFS), and sharia financial ethics (SFE). 100 Muslims of working age that take part in sharia financial inclusion meet the sample criteria. By using descriptive statistical analysis, the result of overall avarage score is 67%, indicates that the Muslim community in Sorong has a medium level (60-79%) sharia financial literacy, according to Chen and Volpe (1988) model. A closer look results that the medium level of literacy for the FUSF, SFS, and SFE aspects by 60%, 64%, and 73%, respectively; the high level is SI aspect by 81%, and the low level is ICM aspect by 59%. This explains why achieving sustainability in sharia financial industry still requires significant efforts to create highly financially literate society.
Impact Of Business Cycle And Revenue Diversification On Capital Buffer And Bank Risk: Empirical Studies From Asean Countries Muhammad Ridho Sahputra; Mohamad Adam; Muizzuddin Muizzuddin; Isnurhadi Isnurhadi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6020

Abstract

The purpose of this research is to examine how business cycle and income diversification affect on capital buffer and banking risk in ASEAN from 2020 to 2022. The samples used in this research were 93 banks taken using purposive sampling techniques in the Philippines, Indonesia, Malaysia, Singapore, Thailand, and Vietnam. By using 2-SLS on panel data to analyze the data in the model being built. This research found that when the economy is in a contraction phase, banks will increase capital buffers. Then, if the bank’s revenue streams become more diversified, this could potentially weaken its capital buffer reserves and decrease risk levels in the banking sector. Meanwhile, expansionary business cycles and revenue diversification provide in reducing bank risk to encourage economic growth. In addition, the correlation between the level adjustment of capital buffer and bank risk confirms a positive impact.
Marketing Strategies Of Processed Cassava Businesses In Improving Community Welfare Islamic Economic Review (Case Study Of Cempedak Lobang Village) Andri Widiaini; Muhammad Ikhsan Harahap; Aqwa Naser Daulay
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6026

Abstract

This research aims to explore the Cassava Business Development Model in Improving Community Welfare with an Islamic Economic Approach in Cempedak Lobang Village. Descriptive qualitative methods and interviews were used to highlight the application of Islamic economic concepts which emphasize partnerships and sharing risks and benefits, strengthening inclusiveness and sustainable local economic development. The SWOT analysis highlights the strengths, weaknesses, opportunities, and threats related to developing a cassava business in Cempedak Lobang Village, including abundant natural resources, community involvement, lack of infrastructure, and market opportunities for organic cassava products. In addition, S-O (Strengths-Opportunities) Strategy is an approach that utilizes the internal strengths of an entity to pursue existing external opportunities. In the context of cassava business development in Cempedak Lobang Village, the S-O strategy can be applied to maximize the positive potential of the village and utilize it to take advantage of emerging opportunities. Threats may arise from market competition and climate change. By considering these factors, the cassava business development model in Cempedak Lobang Village can be improved to achieve better prosperity for the local community.
The Influence Of Earnings Per Share, Return On Equity, Return On Assets, And Net Profit Margin On Financial Distress In The Consumer Cyclicals Sector On The Indonesian Stock Exchange Rizki Ary Mujianto; Dedi Hariyanto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6030

Abstract

This research aims to determine the effect of EPS, ROE, ROA, and NPM on Financial Distress in the consumer Cyclicals sector for the 2020-2022 period. The population used in this research is the cyclical consumer sector on the Indonesia Stock Exchange (BEI) for the 2020-2022 period. This type of research is quantitative. Using secondary data and purposive sampling techniques using SPSS 24. The research results show that EPS, ROE, ROA and NPM simultaneously do not have a significant influence on financial distress in cyclical consumer deposits on the Indonesia Stock Exchange (BEI) for the 2020-2022 period.
The Influence Of Price And Service Quality On Purchasing Decisions For Cafe Goela Gelato In Pontianak City Nurul Paujiah; Sukardi Sukardi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6031

Abstract

This research aims to find out whether there is a relationship between price and service quality. With a positive data collection strategy and a sample size of 100 participants, this research applies associative methodology. Participants must be residents of Pontianak City, aged 17–50 years. Statistical methods used in the analysis include: multiple linear regression, correlation and determination coefficients, simultaneous testing (F test), and partial testing (t test). The data are linear, normally distributed, and show no signs of multicollinearity; these findings were confirmed by standard assumption tests. These variables have a strong relationship with each other, shown by a correlation value of 0.785. Based on the coefficient of determination (R2), the variables included in this study contributed 62% to purchasing decisions, while the remaining 38% was influenced by other factors that could not be explained. Initial research shows that price has no significant effect on purchasing decisions. On the other hand, service quality has a significant influence on purchasing decisions.
Analysing The Adoption Of Artificial Intelligence In Audit Practice Baiq Wahyuni Damayanti; Bambang Bambang
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6032

Abstract

AI adoption until now has not been maximized by academics and audit practitioners due to many limitations, especially at Mataram University. This research then aims to find out the views of audit lecturers on AI adoption and how the level of AI adoption at Mataram University. This research is a descriptive qualitative research using subject data types and primary data sources. The data collection technique used was a structured interview with audit lecturers at Mataram University. Data analysis techniques consist of data reduction, data presentation, and conclusions which then uses data triangulation to increase data validity. The results showed that the adoption of AI in the view of audit lecturers at Mataram University is very important with regard to the progress of the times and expectations for quality audits. Then related to the level of AI adoption in audit practices at the University of Mataram, it was found that there has not been massive adoption, so in the future it is expected to be adopted selectively in order to produce quality audit processes and results and go hand in hand with technological advances. The recommendations offered then are HR training and commitment and consistency in AI adoption in audit practices at Mataram University.
The Role Of Finance Performance In Moderating The Effect Of Erm, Corporate Governance, CSR, And Sustainability Report On Firm Value Melindah Seviona; Tantina Haryati
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6040

Abstract

This study was conducted with the aim of knowing the role of finance performance in moderating the Effect of ERM, Corporate Governance, CSR, and Sustainability Report on Firm Value. This study uses a population of manufacturing sector companies listed on the Indonesia Stock Exchange (IDX) during the 2018-2022 period. This type of research is explanatory research with a quantitative approach. The data used is secondary data in the form of annual reports. The sampling method used was purposive sampling, which resulted in 48 manufacturing sector companies as research samples based on predetermined criteria. The analysis technique used is Partial Least Square (PLS) with the help of the Smart-PLS program. The results showed that ERM and CG have a positive and significant influence on firm value. However, CSR and SR do not have a significant influence on firm value. On the other side, finance performance is not able to moderate ERM, CSR and SR on firm value, but finance performance is able to moderate CG.
Double Literacy, Double Protection?: Minimising Gen Z's Risky Digital Credit Behaviour In Surabaya Through Financial Literacy And Digital Financial Literacy Fabian Benediktus; Cliff Kohardinata
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6043

Abstract

This study aims to investigate the credit risk issues that Generation Z is facing In Surabaya, particularly digital credit and loans. This study utilises a closed-ended questionnaire to explore Generation Z’s knowledge and awareness of subjective financial literacy, digital financial literacy, and risky credit behaviour, so that the results can reveal the influence of subjective financial literacy and digital financial literacy on risky credit behaviour controlled by gender and financial condition of Generation Z in Surabaya. To the best of the researcher’s knowledge, there are no studies that specifically highlight the influence of subjective financial literacy and digital financial literacy on risky credit behaviour. Based on the results of the multiple linear regression approach, researchers found that subjective financial literacy and digital financial literacy have a significant positive effect on risky credit behaviour, which means that the higher the subjective financial literacy and digital financial literacy, the riskier credit behaviour is minimized, gender has no significant effect on risky credit behaviour, financial condition has a significant negative effect on risky credit behaviour.
The Effect of Return On Equity, Debt To Equity Ratio And Current Ratio On Stock Returns With Inflation As A Moderating Variable In The Property & Real Estate Sector For The Period 2020-2022 Fienda Putri; Heni Safitri
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6045

Abstract

This research aims to determine whether there is a relationship between return on equity, debt to equity, and the current ratio of stock returns with inflation as a moderating variable. With a positive data collection strategy and a sample size of 70 companies in the property and real estate sector listed on the Indonesia Stock Exchange (BEI) for the 2020-2022 period. The statistical methods used in the analysis include: SEMP-PLS test, inner model test, and hypothesis test. Which shows the results that the variables ROE, DER, and CR have a negative and significant effect on stock returns, while the inflation variable cannot influence ROE, DER, and CR on stock returns in the property and real estate sector for the 2020-2023 period.