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EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Published by Universitas Dehasen Bengkulu
ISSN : 23388412     EISSN : 27164411     DOI : https://doi.org/10.37676/ekombis.v8i1.926
Core Subject : Economy, Science, Education,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 1,805 Documents
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Dynamics of Financial Inclusion and Economic Growth in Nigeria: Insights from Liquidity, Credit Allocation and Lending Rate Gideon Olugbenga Torila; Olukayode Abiodun Bilewu; Olusola Enitan Olowofela
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.10793

Abstract

Financial inclusion is recognized as a key driver of economic growth, particularly in developing economies like Nigeria. This study investigates the impact of financial inclusion on Nigeria’s economic growth by examining indicators such as Gross Domestic Product (GDP), Loan-to-Deposit Ratio (LDR), Money Supply (MS), Credit to the Private Sector (CRED) and Lending Rate (LR). The study employs econometric techniques, including co-integration tests and dynamic least squares regression, to evaluate long-term relationships between financial inclusion and economic growth utilizing secondary data from 1991 to 2024. The findings suggest that while money supply positively influences economic growth, credit allocation inefficiencies, high lending rates and financial exclusion hinder Nigeria’s economic expansion. The results highlight the need for policy interventions to enhance financial access, improve credit allocation and promote financial literacy. Strengthening financial inclusion strategies can lead to sustainable economic development, poverty reduction and enhanced financial stability. This study provides valuable insights for policymakers, financial institutions and development agencies in Nigeria.
The Effect Of Exchange Rate, Interest Rates, And Foreign Direct Investment On JCI For The Consumer Goods Industry Sector With Profitability As A Moderation Variable (2019–2024 Period) Muhammad Taufiq; Ronny Malavia Mardani; Mohammad Bastom
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11214

Abstract

This study aims to analyze the effect of exchange rates, interest rates, and Foreign Direct Investment (FDI) on the Composite Stock Price Index (CSPI) in the consumer goods industry sector and to examine the role of profitability as a moderating variable. This study employed a quantitative approach using secondary data obtained from the Indonesia Stock Exchange, Bank Indonesia, Statistics Indonesia, and the Investment Coordinating Board during the 2019–2024 period. The sample was determined using a purposive sampling method, resulting in 25 food and beverage sub-sector companies with a total of 150 observations. The analytical techniques used were multiple linear regression and Moderated Regression Analysis (MRA). The results show that exchange rates have a positive and significant effect on the CSPI, while interest rates and FDI have a negative and significant effect on the CSPI. Simultaneously, all independent variables significantly affect the CSPI. Meanwhile, profitability is unable to moderate the effect of exchange rates, interest rates, and FDI on the CSPI, indicating that the influence of macroeconomic variables on the CSPI is direct. These findings suggest that movements in the CSPI of the consumer goods industry sector are more dominantly influenced by external macroeconomic factors than by internal company factors. This study strengthens the relevance of Arbitrage Pricing Theory (APT) in explaining the relationship between macroeconomic factors and the capital market and provides implications for investors, companies, and policymakers in understanding stock market dynamics in Indonesia.
Systematic Literature Review: The Role of Higher Education Institutions in Driving Economic Growth through Innovation and Human Resources Nurfitriana Nurfitriana; Immarotul Ummah; M. Ridho Saputra; Tedi Purnama; Relasari Relasari
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11313

Abstract

This study aims to analyze the role of higher education in promoting economic growth through innovation and human capital development using a Systematic Literature Review (SLR) approach. The study reviews 30 open-access articles published between 2016 and 2026, selected based on their relevance to higher education, innovation, and economic growth. The findings show that higher education plays a strategic role in supporting economic growth both directly and indirectly. Direct contributions occur through the enhancement of human capital quality, while indirect effects are mediated by innovation, technological development, and cross-sector collaboration. The results also indicate that the quality of education, particularly at advanced levels, has a greater impact than the quantity of graduates. However, challenges such as regional disparities, limited infrastructure, and weak institutional collaboration remain significant barriers. Therefore, strengthening education quality, innovation capacity, and policy support is essential to achieve sustainable economic growth.
The Influence Of Digital Adoption On MSME Performance With Competitor Orientation And Market Orientation As Moderating Variables Among Msmes In The Special Region Of Yogyakarta Raihan Alfathan Dinatis; Ari Pradhanawati; Ngatno Ngatno
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11456

Abstract

This study aims to analyze the effect of digital adoption on MSME performance with competitor orientation and market orientation as moderating variables among MSMEs in the Special Region of Yogyakarta. This study uses a quantitative approach with a survey method through questionnaire distribution to MSME owners. Data analysis was conducted using Partial Least Square-Structural Equation Modeling (PLS-SEM). The results indicate that digital adoption has a positive and significant effect on MSME performance. Competitor orientation strengthens the effect of digital adoption on MSME performance, although the significance level is moderate. Meanwhile, market orientation shows a negative moderating effect on the relationship between digital adoption and MSME performance. The study also finds that competitor orientation and market orientation do not directly affect MSME performance. The findings suggest that digital transformation has become a dominant factor in improving MSME performance compared to traditional market orientation. Therefore, MSMEs need to strengthen their digital capabilities to remain competitive in a dynamic business environment.
Determinants of Fraudulent Behavior Tendencies in Local Government Bunga Ega Oktora; Fadli Fadli; Nurna Aziza
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11514

Abstract

This study aims to analyze the influence of elements of Fraud Hexagon Theory, namely pressure (stimulus), capability, opportunity, rationalization, arrogance (ego), and collusion on the tendency of fraudulent behavior in the State Civil Apparatus (ASN) of the Kepahiang Regency Government. The research uses a quantitative method with a purposive sampling technique. The research sample amounted to 83 ASNs who met the criteria for positions and a minimum working period of two years. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS. The results of the study show that pressure, arrogance (ego), and collusion have a significant positive effect on the tendency of fraudulent behavior. Capability has a significant negative effect, while opportunity and rationalization have no significant effect. This research proves that Fraud Hexagon Theory is relevant to the public sector and provides implications for strengthening internal control and anti-corruption culture in local governments.
The Effect Of Internal Locus Of Control And Fraud Seriousness Level On Whistleblowing Intention: The Mediating Role Of Organizational Commitment Annisa Dwi Kurnia; Lismawati Lismawati; Nurna Aziza
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11515

Abstract

This study aimed to explore the effects of internal locus of control and fraud seriousness levels on whistleblowing intention, with organizational commitment as a mediating variable. SEM-PLS method was employed with the support of SmartPLS 4 software to analyze the data. Based on the findings, internal locus was found to have a positive effect on organizational commitment. Additionally, organizational commitment was also found to positively affect whistleblowing intention. Despite the findings, internal locus of control and fraud seriousness level had no direct association with whistleblowing intention. The result of mediation analysis indicated that organizational commitment functioned as a mediator between internal locus of control and whistleblowing intention. This suggested that the effect of internal locus of control on whistleblowing intention occurred through organizational commitment as a mediating variable (full mediation). In comparison, no mediating effect of organizational commitment was found in the relationship between fraud seriousness level and whistleblowing intention. The implications of this study emphasized the importance of strengthening organizational commitment and developing employees’ internal characteristics to enhance their willingness to report misconduct. Furthermore, the findings theoretically supported the Theory of Planned Behavior.
Does Income Diversification Improve Bank Performance? A Panel Study of Regional Development Banks and Commercial Banks in Indonesia Rizka Rimasda; Maria Ulpah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11521

Abstract

This study examines the effect of income diversification on bank performance in Indonesia using a Fixed Effect model with clustered standard errors. Bank performance is measured by ROA, ROE, SHROA, SHROE, and Z_SCORE, while income diversification is proxied by DIV_ADJ. The model also includes bank type, digitalization, and several control variables such as bank size, capital adequacy, operational costs, credit risk, and macroeconomic conditions. The results show that income diversification has a positive and significant effect only on risk-adjusted performance (SHROA and SHROE), but not on conventional profitability or stability. The moderating effects of bank type and digitalization are partial and inconsistent. Among control variables, bank size is the most consistent determinant of performance, while capital adequacy improves stability and credit risk reduces performance. Overall, income diversification mainly enhances bank performance through risk-adjusted measures, and its effectiveness depends on bank characteristics and risk management quality.
The Paradox of Government Spending and Demographics on Central Java's Economic Growth Wahyu Adi Nugroho; Endah Saptutyningsih; Ahmad Makruf
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11528

Abstract

This study analyzes the paradoxical relationship between government spending, population, and Gross Regional Domestic Product (GRDP) across 35 districts/cities in Central Java from 2019 to 2023. Using panel data regression and selecting the Fixed Effect Model (FEM) based on the Chow and Hausman tests, this study examines the influence of government spending (PM), life expectancy (UHH), school enrollment rate (APS), and total population (JP). The results indicate that government spending and total population have a negative and significant effect on GRDP, contradicting conventional economic theory. Conversely, life expectancy shows a positive and significant impact, while the school enrollment rate does not demonstrate a statistically significant influence. This paradox highlights the inefficiency of local fiscal allocation and the challenges of demographic management in Central Java. The findings suggest that accelerating regional economic growth requires improving the efficiency of government spending, enhancing the quality of human capital through better health outcomes, and managing population growth in conjunction with labor market expansion.
The Influence Of Motivation, Compensation, And Work Environment On The Performance Of Human Resources In Zakat Management Institutions: Organizational Commitment As An Intervening Variable In Zakat Institutions Of Pasuruan City Akhmad Khalim; Dwi Cahyono; Toni Herlambang
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11537

Abstract

This study aims to examine the effects of work motivation, compensation, and work environment on the performance of human resources (HR) working in zakat management institutions in Pasuruan City, with organizational commitment serving as an intervening variable. A quantitative approach with a survey method was employed in this research. The study population consisted of employees from five zakat institutions in Pasuruan City, namely BAZNAS Pasuruan City, Yatim Mandiri, LAZISMU, LAZISNU, and Baitul Maal Hidayatullah. Data were collected through questionnaires distributed to 154 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with WarpPLS 5.0 software. The findings reveal that work motivation and compensation do not significantly influence either organizational commitment or employee performance. In contrast, the work environment has a positive and significant effect on both organizational commitment and employee performance. Furthermore, organizational commitment is found to have a positive and significant impact on employee performance. The mediation analysis indicates that organizational commitment does not mediate the relationship between work motivation and employee performance, nor the relationship between compensation and employee performance. However, organizational commitment significantly mediates the effect of the work environment on employee performance. The results suggest that the work environment is the most influential factor in enhancing both organizational commitment and employee performance within zakat management institutions. Therefore, zakat institutions should prioritize the development of a supportive, safe, and comfortable work environment to strengthen organizational commitment and improve employee performance effectively.
Social Capital And Climate Change Analysis Through Circular Economy Strategy On Goroho Banana MSME Resilience Steefra D. Mangkay; Ingrid N. Sembiring; Merry JJ Langi; Yuliana Mose
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11545

Abstract

Research aims: This study aims to analyze the influence of Social Capital and Climate Change on Business Resilience with the Circular Economy Strategy as a mediator. Design/Methodology/Approach: This study employs a mixed-methods approach, with a dominant quantitative component and supporting qualitative components, to explore the causal relationships among the variables under investigation. It also seeks to test five research hypotheses that are expected to address the research objectives. The sample in this study consisted of 145 SMEs engaged in the processing of Goroho bananas. The samples were distributed across two regencies: Minahasa and North Minahasa. The sample was determined using a purposive sampling method. The criteria for sample selection were SMEs that have been operational for at least three consecutive years. Research findings: The key findings reveal that the Circular Economy Strategy is not merely an operational response, but rather a transformational mechanism that mediates 41-45% of the total impact of Climate Change and Social Capital on Business Resilience, with a statistically significant result (t > 5.2, p < 0.001) and a medium-to-large effect size (f² > 0.23). More importantly, effect size analysis demonstrates that Climate Change and Social Capital have a very substantial practical impact on the adoption of the Circular Economy Strategy (f² > 1.0), indicating that businesses or enterprises facing high climate pressures or possessing strong social networks will dramatically enhance the implementation of circular practices. Qualitative findings reveal the actual dynamics behind statistical figures, showing that the resilience of banana goroho MSMEs is built through real-world experience and collective adaptation. In-depth analysis of the life experiences of banana goroho processing MSME actors reveals that business resilience is genuinely rooted in the foundation of communal values that are deeply ingrained in the lives of the Minahasan community. Social Capital is concretely manifested in mutual aid practices, belief systems passed down through generations, and kinship networks that form a natural safety net when facing external shocks, such as climate anomalies. Empirical evidence shows that, amid crop failures due to unpredictable weather, resource-sharing and knowledge-transfer mechanisms among community members occur without economic calculation—a practice reflecting the local wisdom of "torang samua basudara" (we are all brothers) as a social glue supporting the sustainability of collective endeavors. Theoretical Contribution/Originality: The theoretical contribution of this study lies in the empirical evidence that business resilience in the era of sustainability is not built through a single pathway, but rather through dual pathways—direct and indirect—which require business actors or organizations to transform external challenges into internal capabilities through innovation in circular business models, particularly in the local culinary SME sector. Practitioners/Policy Implications: Based on the research findings, to support business resilience and the implementation of the circular economy in SMEs, policies should include capacity-building for SMEs through training and improved access to resources, as well as incentives for those adopting environmentally friendly practices, such as using recycled materials and reducing waste. Additionally, it is crucial to foster stronger partnerships between the public and private sectors to support the transition of SMEs to a circular economy, along with establishing clear regulations to encourage the adoption of sustainability principles. These measures will enhance the competitiveness of SMEs, help them survive market challenges, and contribute to more sustainable development goals. Research Limitations/Implications: This study focuses on SMEs involved in the processing of Goroho bananas in Minahasa and North Minahasa districts. The study is limited to data from a specific sector; thus, generalization to other industries or geographic contexts should be done with caution.

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