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<![CDATA[The Influence Of E-Wallet Usage, Financial Literacy And Lifestyle On Financial Management Of Female Civil Servants In Mempawah District ]]>
<![CDATA[Windi Rati Fritiwi]]>;
<![CDATA[Dedi Hariyanto]]>;
<![CDATA[Heni Safitri]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6106
<![CDATA[The purpose of this study was to determine the effect of e-wallet usage, financial literacy and lifestyle on financial management of Female Civil Servants in Mempawah Regency. The method used in this research is quantitative method. The population in this study were female civil servants in Mempawah Regency with a total sample of 156 people. The data analysis technique used is multiple linear regression analysis, multiple correlation coefficient (R), coefficient of determination (R2), simultaneous test (F test) and partial test (t test). The results showed a multiple linear regression equation, namely: Y = 4.296 + 0.563 X1 + 0.249 X2 + 0.367 X3. The results of the multiple correlation coefficient show an R value of 0.784, meaning that the variables of e-wallet usage, financial literacy and lifestyle on financial management have a strong relationship. The results of the coefficient of determination R2 show that the contribution of the variables of e-wallet usage, financial literacy and lifestyle in influencing the ups and downs of financial management of Female Civil Servants in Mempawah Regency is 74.7% while the remaining 25.3% is explained by other variables outside the regression model. The results of the simultaneous test (F test) in this study showed an Fcount value of 7.183> 2.66 Ftable. Thus it can be concluded that the use of e-wallets, financial literacy and lifestyle on financial management simultaneously affect the dependent variable, namely financial management. The results of the partial test (t test) on the e-wallet usage variable show a tcount value of 3.811> 1.975 t table, meaning that there is a partially significant influence between the relationship with the use of e-wallets on financial management, while the financial literacy variable shows a tcount value of 2.581> 1.975 t table, meaning that there is a partially significant influence between the relationship with financial literacy on financial management and finally the lifestyle variable shows a tcount value of 3.466> 1.975 t table, meaning that there is a partially significant influence between the relationship with lifestyle on financial management.]]>
<![CDATA[Kriptal Consignor's Efforts To Increase Competitiveness Through Consignment Sales System ]]>
<![CDATA[Yesi Indian Ariska]]>;
<![CDATA[Nirta Vera Yustanti]]>;
<![CDATA[Siti Hanila]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6134
<![CDATA[The consignment sales system is one of the marketing strategies that can be carried out by business actors to expand market reach because with this system business actors do not move alone in making sales. This consignment system is a system where business actors who have goods leave the goods/products to the shop owner (consignee). This research was conducted to provide an overview of the consignment sales system carried out by KriptaL business actors and provide an overview of the impact of consignment sales on the competitiveness of KriptaL products. This research uses observation, interview and documentation methods to explain the data, while the object of research is the KriptaL snack business in Bengkulu City. Based on the research conducted and discussion, it can be concluded that in the KriptaL business the consignor sales agreement is in accordance with the agreement including the agreement regarding the price level, the amount of commission or reward, the number of products entrusted and returns on sales, KriptaL consignor business in increasing competitiveness has a positive impact on the KriptaL business and the store. Where this can be seen from the expansion of the marketing network, the increase in turnover of business actors, in terms of profit or profit and more advanced technology.]]>
<![CDATA[The Influence Of E-Wallet Usage, Financial Literacy And Lifestyle On Financial Management Of Female Civil Servants In Mempawah District ]]>
<![CDATA[Rachmanita Eza Putri Wiyandari]]>;
<![CDATA[Nanda Wahyu Indah Kirana]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6157
<![CDATA[The Covid-19 pandemic has significantly accelerated the shift towards digital economy and digitization across various sectors, including Micro, Small, and Medium Enterprises (MSMEs). This article investigates the impact of digital technology integration on MSMEs' income post-pandemic. Through a study conducted in Mojokerto City, the findings indicate that the implementation of digital technology significantly contributes to the increase in MSMEs' income. Additionally, digital marketing strategies also have a significant impact on restoring MSMEs' income after the pandemic. These results provide a strong foundation for policymakers and business actors to enhance investments in digital technology and digital marketing strategies to improve the competitiveness and productivity of MSMEs in the future. Furthermore, age gap factors also play a crucial role in determining MSMEs' income levels post-pandemic. This article offers valuable insights for policymakers and MSMEs in planning more adaptive and effective strategies in the post-Covid-19 era. Thus, this research is not only relevant to MSMEs in Mojokerto City but also serves as an important reference for understanding the dynamics of the local economy post-pandemic in various regions]]>
<![CDATA[The Role Of Islamic Banking In The Development Of Islamic Economic Progress In Indonesia ]]>
<![CDATA[Efendi Sugianto]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6158
<![CDATA[Economic activities that lead to Islamic Economics or Sharia Economics are increasingly spreading throughout the world, including Indonesia. Sharia economics is an economic system based on sharia values and principles originating from the teachings of the Islamic religion. Experts also define sharia economics. The sharia economy has its own characteristics that differentiate it from other economies. Sharia economics originates from the Koran, hadith or sunnah, ijmak and qiyas. The goal of sharia economics is to achieve happiness in this world and the hereafter through a good and honorable way of life. There are many activities in the sharia economy, one of which is sharia banking. Where sharia economics and sharia banking are closely related to each other. Sharia banking is an example of Sharia Economics. This research uses qualitative research methodology. This research uses descriptive analysis to describe and analyze the data obtained. The results of this research can be used as a basis for policy development, service improvements, or a better understanding of sharia economics in general]]>
<![CDATA[Construction Design Consultant Selection Using The Analytic Network Process Method ]]>
<![CDATA[Kusuma Ariftama]]>;
<![CDATA[Athor Subroto]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6159
<![CDATA[This research aims to analyze what criteria and subcriteria are important to use in assessing prospective Construction Design Consultant in the procurement process using the ANP method. This research departs from the problem that the Toll Road Planning Division, which is responsible for technical and financial planning for the Trans Sumatra Toll Road project, is not spared from vendor performance problems, where in recent years several Construction Design Consultant have not managed to complete their work with the right quality and time. The results showed that the priority criteria for selecting the best construction design consultant are Quality of Service (23.31%), Relationship with Job Owner (22.36%), Company Certification (20.87%), Quality of Personnel (20.55%), and Company Reputation (12.91%). The subcriteria that has the highest weight is the Personality of personnel (14.90%) and the lowest is the Availability of software (0.75%). The sensitivity analysis of alternative priority weights shows that there is no change in the priority order of alternatives if the subcriteria weights are changed by amounts ranging from -50% to +40%.]]>
<![CDATA[The Influence Of Servant Leadership On Work Engagement : Role Of Meaningfulness Of Work, Job Crafting, And Person-Job Fit As Mediators In NPO ]]>
<![CDATA[Safira Nurmalitasaria]]>;
<![CDATA[Elok Savitri Puspitarini]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6177
<![CDATA[Improving work engagement holds paramount importance for organizations striving to meet objectives, particularly in Indonesia where enhancing employee efficiency is a primary concern. Rooted in the Conservation of Resources and Social Exchange Theory, proactive engagement significantly enhances organizational productivity. This research aims to explore whether the meaningfulness of work, job crafting, and person-job fit, acting as mediators, can intervene in the relationship between servant leadership as independent variables, and work engagement as the dependent variable. Empirical data are being collected through the distribution of questionnaires to 250 members in one of NPO in Semarang. Structural Equation Modeling via SMART PLS 3.0 is facilitating data analysis and hypothesis testing. The findings show that servant leadership and job crafting significantly enhance the meaningfulness of work and work engagement. Positive correlations exist between servant leadership, job crafting, person-job fit, and work engagement. The study underscores the meaningfulness of work, job crafting, and person-job fit as crucial influencers of work engagement, acting as mediators in the relationship between servant leadership and work engagement. The outcomes of this research offer practical insights for academics and professionals in human resource management and non-profit organizational development in Indonesia. They underscore the importance of reinforcing determinants or antecedents of servant leadership within organizational frameworks to bolster work engagement and fulfill organizational responsibilities]]>
<![CDATA[The Influence Of Career Growth And Perceived Organizational Support On Turnover Intention: The Role Of Organizational Commitment Among Indonesian Millennial Employees ]]>
<![CDATA[Nabila Ghina Zahirah]]>;
<![CDATA[Aryana Satrya]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6179
<![CDATA[The Millennial generation, which dominates the world’s current population, can be both an opportunity and a challenge due to its characteristic of being unable to stay in a company for a long period of time like previous generations. This research aims to measure the influence of career growth and perceived organizational support on turnover intention among millennial employees, mediated by organizational commitment. Empirical data were collected from 316 respondents using an online survey assessed through a 7-point Likert scale. The respondents are millennial employees (born between 1980 and 1996) in Indonesia who are currently working in a company with a minimum tenure of 2 years. The data were analyzed using Structural Equation Modeling (SEM) with Lisrel 8.8 software. The results show that career growth and perceived organizational support can increase commitment and reduce employees' intention to leave. It was additionally discovered that organizational commitment significantly serves as a mediating factor in the relationship between career growth and perceived organizational support regarding turnover intention]]>
<![CDATA[The Influence Of Transformational Leadership, Job Satisfaction And Flexible Working Arrangement On Turnover Intention In X Life Insurance Company In Indonesia ]]>
<![CDATA[Vina S Marinda]]>;
<![CDATA[Indra T Anggapradja]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6200
<![CDATA[This research aims to find out how transformational leadership, job satisfaction and flexible working arrangements influence turnover intention at Life Insurance Company X in Indonesia. This research uses quantitative research methods and explanatory research, involving 100 employees as samples who are marketing agents at Life Insurance Company X in Indonesia. This research uses a purposive sampling technique. In collecting data, this research used questionnaire distribution. The results of this research show that transformational leadership, job satisfaction and flexible working arrangements have a significant effect on Turnover Intention at X Life Insurance Company in Indonesia. transformational leadership, job satisfaction and flexible working arrangements have a proportion of influence on Turnover Intention of 94.8% while the remaining 5.2% is influenced by other variables that are not in the research model. To reduce turnover intention, transformational leadership, job satisfaction and flexible working arrangements need to be managed and realized well]]>
<![CDATA[Determinants Of Indonesian Exports To Australia For The Period 2000-2022 ]]>
<![CDATA[Hanny Qudsyina]]>;
<![CDATA[Nugroho SBM]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6216
<![CDATA[The purpose of this research is to measure of Indonesia's GDP, Exchange Rate and Inflation Rate, on Indonesian exports to Australia for 22 years from 20 00 to 202 2. The data used are secondary data obtained from, World Bank, Bank of Indonesia, BPS and Ministry of Trade. This research uses secondary data with time series data used Multiple Linear regression. The results of this research show that Indonesia's GDP, Inflation Rate, has a positive and significant influence on Indonesian exports to Australia, while Exchange Rate has a negative and significant Indonesian export to Australia.]]>
<![CDATA[The Effect Of Environmental, Social, and Governance (ESG) Pillars and State Ownership on Firm Costs of Debt ]]>
<![CDATA[Fery Perdiansyah]]>;
<![CDATA[Maria Ulpah]]>
<![CDATA[ EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli ]]>
Publisher : <![CDATA[UNIVED Press ]]>
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DOI: 10.37676/ekombis.v12i3.6234
<![CDATA[The relevance of environmental, social, and governance (ESG) factors has become increasingly significant in the business world due to the growing recognition of sustainability principles. This study investigates the impact of ESG pillars and state ownership on the cost of debt in non financial companies. The analysis is conducted on publicly listed firms in emerging Asian countries over the period 2016 to 2023, using panel data regression. Drawing on various theories such as agency theory, stakeholder theory, and signaling theory, the research demonstrates that state owned enterprises with higher ESG scores incur lower debt costs. Another finding is that the social pillar positively influences debt costs. Although the environmental pillar is negatively associated with debt costs, its impact is not significant. Meanwhile, the governance pillar has a significant negative effect on debt costs, consistent with agency theory. The results of this study are expected to provide insights for stakeholders, particularly managers and company owners, regarding the role of ESG and state ownership in determining firm cost of debt.]]>
