ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN)
https://jmbe.wcu.edu.az/ Slot777 ECOBISMA (Journal of Economics, Business and Management) is published every two years, namely in January and June, by the Faculty of Economics and Business, University of Labuhanbatu. ECOBISMA (Journal of Economics, Business and Management) aims to: 1. Publish the results of the latest research in the fields of Economics, Business, Management and or Entrepreneurship. 2. Publish only research results in the field of Economics (such as Macro / Micro related to Economics and Business). Management (such as Marketing Management, Financial Management, Personnel Management, Operations / Production Management, Business Management, etc.) and or Digital Marketing, Digital Economy and Entrepreneurship as scientific development. ECOBISMA accepts papers with the above objectives and scope. The editorial board decides which papers will be published in ECOBISMA after being reviewed by designated reviewers (double blind review). Authors will be notified of comments and suggestions from the reviewers. ECOBISMA (Journal of Economics, Business and Management) (p-ISSN: 2477-6092 and e-ISSN: 2620-3391) is an Open Access Journal, which can be accessed and read for free on the Internet. 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Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat
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HOW PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, SECURITY AND LIFESTYLE AFFECT MSMEs’ ADOPTION OF QRIS?
PURPOSE - This research explores the impact of perceived usefulness, perceived ease of use, security, and lifestyle on the adoption of the Quick Response Code Indonesian Standard (QRIS) by micro, small, and medium enterprises (MSMEs) in Tenggarong City. METHODOLOGY - Employing an associative approach, the study analyzes quantitative data from 100 respondents using SPSS version 26 for Windows. The methodology incorporates multiple linear regression analysis, classical hypothesis testing, and coefficient of determination. FINDING - The findings reveal that perceived usefulness, perceived ease of use, security, and lifestyle significantly and positively affect the decision to adopt QRIS, both separately and together. Notably, perceived usefulness is identified as the most significant factor, indicating that users primarily evaluate the advantages of QRIS before reaching a decision. Additionally, this study reinforces the Technology Acceptance Model (TAM) in the context of Indonesian MSMEs, highlighting that perceived usefulness and ease of use are crucial factors in technology adoption, alongside other considerations like security and lifestyle.
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VILLAGE GOVERNMENT STRATEGY TO REALIZE PARTNERSHIP FOR VILLAGE DEVELOPMENT
PURPOSE Previous research on partnerships in rural development analyzed the impact of partnership programs. Research on strategies for realizing partnerships is still very limited. This study aims to review the form of partnerships for village development, strategies carried out by village governments, obstacles faced, efforts to overcome obstacles, and supporting factors owned. METHODOLOGY - This research is a qualitative descriptive research. The type of data used was qualitative and quantitative data collected by observation, interview, and documentation methods. The validity of the data is tested by triangulation of method, source, and time. FINDING - The results showed the form of partnerships to develop villages: establishing cooperation with the mother village and neighboring villages, collaborating with universities, providing internet/wifi access, providing officers and village statistical data, and providing data on village SDGs achievement. The strategy taken: proactively coordinating with the parent village, approaching academics, and empowering adolescents as survey officers to record the achievement of Village SDGs. The obstacle faced is the low proportion of tax revenue to the village's gross domestic income. This is overcome by finding new sources of village tax revenue. The supporting factor is the availability of experienced and highly motivated village apparatus to build the village and the strategic location of the village. The research findings have implications for determining policies carried out by village governments in realizing partnerships for village development
THE EFFECTIVENESS OF SOCIALISATION OF INSURANCE AND BANK PRODUCTS AS A STRATEGY IN ACHIEVING CUSTOMER GROWTH TARGETS
PURPOSE The growth of retired customers is crucial to preserving the stability and profitability of Bank Mandiri Taspen's operations as a bank that caters to the pensioner segment. Introducing Ketaspenan and bank products to potential retirees is one of Bank Mandiri Taspen KCP Bojonegoro's tactics in achieving its customer growth goal. The primary issue is that potential customers low level of trust can be affected by their lack of comprehension of the relationship between Bank Mandiri Taspen and PT. Taspen (Persero), both as the holding company and as an institutional organization that oversees the funds of pension participants. METHODOLOGY - This study uses qualitative methods and a case study approach to analyze how effectively this socialization strategy builds trust while reaching customer growth goals. As evidenced by the existence of PT. Taspen (Persero) as a resource, the research findings indicate that this socialization has a significant effect on growing the number of retired customers. FINDING - This study suggests that this socializing approach be maintained going forward in order to enhance Bank Mandiri Taspen's reputation and help it meet optimum customer growth goals.
POST-PANDEMIC ECONOMIC RECOVERY IN INDONESIA: A SYSTEMATIC LITERATURE REVIEW ON KEY DRIVERS, CHALLENGES, AND POLICY IMPLICATIONS
PURPOSE - The COVID-19 pandemic has profoundly disrupted Indonesia’s economy, exacerbating structural vulnerabilities and necessitating targeted recovery strategies. This study conducts a systematic literature review (SLR) to synthesize empirical and theoretical insights on the key drivers, challenges, and policy implications of Indonesia’s post-pandemic economic recovery. METHODOLOGY - By analyzing 45 peer-reviewed articles, government reports, and international organization publications (2020–2023), this research identifies critical drivers such as digital transformation, government stimulus programs, resilience of micro, small, and medium enterprises (MSMEs), and increased foreign investment. However, persistent challenges—including labor market imbalances, regional disparities, inflationary pressures, and global economic uncertainty—hinder equitable recovery. FINDING - The findings underscore the need for adaptive, inclusive policies that balance immediate economic stabilization with forward-looking reforms. This study contributes a comprehensive framework for policymakers to navigate post-pandemic recovery complexities, emphasizing integrated strategies to strengthen Indonesia’s economic foundation against future crises.
THE INFLUENCE OF PERCEIVED USEFULL AND PERCEIVE EASE OF USE ON INTEREST IN USING QRIS TRANSACTION SERVICES
PURPOSE - Implementing QRIS as a payment method has encouraged the creation of an integrated payment system through the standardization of payment QR codes. Therefore, it is important to understand how perceived usefulness and ease of use influence people’s interest in QRIS transaction services. This research aims to analyze the influence of these two factors on interest in using QRIS, with the hope of providing valuable insights for developing strategies to increase QRIS adoption in Indonesia. METHODOLOGY - This cross-sectional quantitative research used a survey method to investigate perceptions of benefits and convenience regarding people’s interest in using QRIS, conducted from November 2024 to January 2025, involving people in Indonesia. Respondents were recruited using the accidental sampling method, and a sample of 140 respondents was obtained. The instrument used in this research was a questionnaire; the data obtained was analyzed using SEM PLS 3.0. FINDING - The loading factor measurements were carried out using structural equation modelling (SEM) analysis, and the central construct used in this research is based on the technology acceptance model (TAM). In this research, the PEOU and PU indicators have relatively high coefficient values between 0.892 and 0.954, indicating that these constructs are measured well. Perceived Usefulness is the dominant factor influencing people’s interest in using QRIS. Although Perceice Ease of Use also has potential, it is not significant
FACTORS AFFECTING THE PURCHASE DECISION OF AEROSTREET SHOES AMONG MUSLIM CONSUMERS IN PACITAN REGENCY
PURPOSE - This study aims to analyze the influence of brand awareness, price perception, and product quality on the purchasing decisions of Aerostreet shoes among Muslim consumers in Pacitan Regency. The background of this research is based on the increasing competition in the local footwear industry, where Aerostreet, as a local brand, needs to understand the factors that influence consumer buying behavior. METHODOLOGY - This research uses a quantitative approach with a survey method by distributing questionnaires to 100 respondents who have purchased Aerostreet shoes. The data analysis technique used is multiple linear regression. FINDING - The results indicate that variable brand awareness, price perception, and product quality has a positive and significant effect on the purchasing decision of Aerostreet shoes. This research is expected to provide strategic input for local business actors to enhance the competitiveness of their products in the domestic market. In conclusion, understanding consumer perceptions and preferences is crucial for building brand loyalty and sustaining business growth in a competitive market
THE INFLUENCE OF SHOPPING LIFESTYLE, FASHION INVOLVEMENT, PROMOTION ON IMPULSE BUYING FASHION PRODUCTS ON TIKTOK
PURPOSE - This study aims to analyze the effect of Shopping Lifestyle, Fashion Involvement, Promotion on Impulse Buying. The subjects of this study were students of Muhammadiyah Purwokerto University who used the TikTok application. METHODOLOGY - In this study using a sample of 105 respondents, quantitative methods were implemented in this study with a Purposive Sampling approach. Data collection in this study was collected through distributing questionnaires. Analysis using Smart-PLS 3.0 to test the relationship between variables. The stages use the outer model for model testing, with the inner model for structural model testing. FINDING - The stages use the outer model for model testing, with the inner model for structural model testing. The results obtained from this study are Shopping Lifestyle and Promotion have a significantly affects on Impulse Buying fashion products in the TikTok application. While Fashion Involvement has no significantly affects on Impulse Buying fashion products in the TikTok application.
THE INFLUENCE OF WORK-LIFE BALANCE AND PERCEPTIONS OF EMPLOYEE RELATIONS ON THE WELL BEING OF GENERATION Z EMPLOYEES IN THE CITY OF BANDUNG
PURPOSE - Finding out how work-life balance and employee relations perspectives impact the wellness of Generation Z employees in Bandung is the aim of this study. METHODOLOGY - The quantitative research methodology makes use of two data analysis techniques: multiple linear regression and descriptive statistics. Questionnaires were sent as part of the data collection methods. The sample used amounted to 222 respondents. Sampling using purposive sampling with the criteria of Generation Z employees who have worked for at least 6 months. FINDING - According to the study's findings, work-life balance and opinions about employee interactions both significantly and favorably impact workers' well-being
THE INFLUENCE OF PRICE VALUE AND KNOWLEDGE TRANSMISSION ON INTENTION TO ADOPT ROOFTOP PV SYSTEMS IN RESIDENTIAL
PURPOSE - The energy transition is a key priority in achieving Indonesia’s net zero emission target, with rooftop photovoltaic (PV) systems promoted as a solution. However, adoption in residential areas, especially in Bandung Raya, remains low. This study investigates the influence of price value and knowledge transmission on intention to adopt rooftop photovoltaic (PV) systems in residential of Bandung Raya. METHODOLOGY - . A quantitative approach was employed, with data gathered through an online survey Google Form, resulting in 253 valid responses. FINDING - The findings indicate that both price value and knowledge transmission have a significant combined influence on adoption intention, with a determination coefficient (R²) of 0.648. These insights are expected to support the development of public policies and marketing strategies by energy sector stakeholders, particularly by emphasizing educational outreach and affordable pricing options to promote greater household adoption of rooftop PV systems.
THE INFLUENCE OF ORGANIZATIONAL CULTURE AND COMPENSATION ON EMPLOYEE PERFORMANCE WITH WORK MOTIVATION AS A MEDIATING VARIABLE AT THE SOUTH TAPANULI REGIONAL DISTRICT / CITY BPS
PURPOSE - Strong organizational culture, which includes positive values, can increase employee motivation and engagement, which has implications for their performance. In addition, good compensation is expected to increase employee satisfaction and motivation. This study aims to determine the effect of organizational culture, compensation on employee performance with work motivation as an intervening variable at BPS Regency / City Regional Tapanuli Selatan. METHODOLOGY - .This type of research is quantitative. The number of samples in this study was 90 respondents, the data analysis techniques used in this study were instrument tests (validity tests and reliability tests) hypothesis tests (t-test and coefficient of determination) and research models of path analysis tests (Path Analysis). FINDING - The results of this study indicate that Organizational Culture has a positive and significant effect on Performance, Compensation has a positive and significant effect on Employee Performance, Work Motivation has a positive and significant effect on Employee Performance, Organizational Culture has an effect on through the Work Motivation variable and Compensation has an effect on Performance through the Work Motivation variable at BPS Regency / City Regional South Tapanuli
OPTIMIZATION OF CREDIT FACILITIES FOR EMPOWERING SMALL AND MICRO ENTERPRISES MODERATED BY FINANCIAL LITERACY
PURPOSE - The purpose of the study is to analyze and predict the causal relationship of the impact of providing credit facilities to MSEs in Makassar City, in order to maximize their business income. Descriptive quantitative research model with sample determination through non-purposive sampling. METHODOLOGY - . The research sample was 100 Makassar MSE actors who were used as respondents. Data collection from respondent questionnaires. Data analysis uses variant-based SEM to test models and theories. Testing of structural models and measurement models with the help of smartPLS 3.0. FINDING - The test results show that the provision of credit facilities optimally has a significant and positive impact on increasing the business income of MSE actors in Makassar City. Financial literacy owned by MSE actors is able to increase their business income and the role of moderation. Financial literacy does not have an influence on the relationship between credit optimization and MSE empowerment
ANALYSIS OF REPUTATION, FACILITIES, AND PRICE ON STUDENTS' DECISIONS TO CHOOSE THE MANAGEMENT STUDY PROGRAM AT MUHAMMADIYAH UNIVERSITY OF SIDOARJO
PURPOSE - The purpose of this study was to determine the effect of reputation, facilities, and price on students' decisions to choose the Management Study Program at the University of Muhammadiyah Sidoarjo. METHODOLOGY - This study uses a quantitative approach and the population is all active students of the Management Study Program in 2021-2024. The sampling technique for this study uses the probability sampling method with a simple random sampling technique and with a total of 330 respondents. The criteria are active students of the Management Study Program in 2021-2024. The data collection technique in this study is primary data using an online questionnaire. The data analysis technique in this study uses multiple linear regression analysis with SPSS version 25. FINDING - The results of the study prove that reputation influences student decisions, facilities influence student decisions, and prices influence student decisions in choosing the Management Study Program at Muhammadiyah University of Sidoarjo
THE EFFECT OF LEADERSHIP STYLE AND WOR DISCIPLINE ON EMPLOYEE PERFORMANCE WITH WORK MOTIVATION AS AN INTERVENING VARIABLE
PURPOSE - Human resources are a factor that influences the performance and reputation of the company. Human resources in a company need to be managed professionally to create a balance between employee needs and the demands and capabilities of the company. This balance is the main key for the company to be able to develop productively and fairly. The purpose of this study is to determine whether there is an influence of leadership style and work discipline on employee performance with work motivation as an intervening variable. METHODOLOGY - This type of research is explanatory research. The population in this study were employees of PT. Perkebunan Nusantara IV Regional I Medan as many as 124 people and the research sample was the total population of 124 respondents. The data needed using a questionnaire with a Likert scale which was then analyzed using path analysis. FINDING - The results showed that : 1) Leadership style and work discipline affect employee performance. The better the leadership style of a leader, the better employee performance. Likewise, the higher the work discipline of an employee, the better the employee's performance. These two variables support each other in creating high employee performance, 2) Work motivation affects employee performance. The higher the employee's work motivation, the higher the employee's performance, 3) Work discipline has no effect on work motivation, 4) Work motivation has no effect on employee performance, 5) Leadership style and work discipline have no direct effect on employee performance through work motivation
TRANSFORMATION OF MSMES THROUGH PRODUCT INNOVATION; ANALYSIS OF LOCAL ECONOMIC EMPOWERMENT
PURPOSE - This research aims to explore and elaborate on business development strategies, including product innovation, financial management, and marketing strategies, as well as the socio-economic impact of the MSME "Kripik Rido Susi" in Silo Village, Jember. METHODOLOGY - This research is a qualitative descriptive study with a case study type. The data in this research were collected through observation, interviews, and documentation methods. The validity of the data was tested using method, source, and time triangulation. FINDING - The research results show that the product innovation strategy is carried out through the development of taste, packaging, and size, based on simple market research. Financial management is handled manually but consistently, with daily record-keeping and capital support from personal funds as well as village assistance. The marketing strategy combines conventional approaches (consignment sales at small shops and cooperatives) and digital methods (social media and marketplaces). The existence of these SMEs not only increases the household income of employees but also strengthens the social capital of the community through active participation and pride in local products. These findings affirm that MSMEs based on local potential can be an effective instrument in creating economic independence for rural communities. This research provides empirical contributions to the literature on local economic development and offers a model of empowerment practices that can be replicated in similar regions
THE EFFECT OF ORGANIZATIONAL VALUES ON EMPLOYEE PERFORMANCE AT THE AGAM REGENCY LAND OFFICE
PURPOSE - This research explores the effect of organizational values on employee performance at the Agam Regency Land Office. Organizational values are a set of principles, beliefs, and norms that guide behavior in carrying out tasks. METHODOLOGY - This research uses a quantitative approach with a survey method through distributing questionnaires to the entire population of 70 employees (total sampling). The data were analyzed using validity, reliability, classical assumption tests, and simple linear regression with the help of SPSS 25 statistical data processing applications. FINDING - The results showed that organizational values have a positive and significant effect on employee performance. The regression coefficient value of 1.261 with a significance of 0.000 indicates that an increase in organizational value directly encourages an increase in employee performance. R square of 0.803 or 80.3%, this shows that the percentage contribution of the independent variable organizational value to the dependent variable employee performance is 80.3%. While the remaining 0.197 or 19.7% is influenced by other variables outside this study such as job satisfaction, work motivation, bonuses, promotions, and other variables that are not in this study. The Agam Regency Land Office integrates organizational values into the employee performance appraisal system and conducts periodic evaluations of its application. By creating a positive work climate and supporting the application of organizational values, it is expected that employee performance can improve sustainably and consistently in supporting quality public services.