IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita

Maximizing sales: synergy of job autonomy, innovation culture, emotional intelligence, and a touch of creativity

Thu, 26 Jun 2025 14:34:20 +0700

Purpose – This study examines the impact of job autonomy, innovation culture, and emotional intelligence on the sales performance of MSMEs, with creativity as a mediating variable. Given the intense competition in the business environment, MSMEs must foster innovation and creativity to enhance their sales performance. Job autonomy enables MSME owners and managers to make independent decisions, fostering creativity in problem-solving. At the same time, an innovation culture promotes boldness in generating new ideas, and emotional intelligence strengthens customer and team relationships. Method – This research adopts a quantitative approach using the SEM-PLS methodology, with a sample of 100 MSMEs in Bandung city, Indonesia, selected through purposive sampling. Data was collected via an online questionnaire. Findings – The findings reveal that job autonomy, innovation culture, and emotional intelligence significantly and positively affect sales performance, with creativity playing a crucial mediating role. Implications – Theoretically, this study extends the self-determination theory (SDT), organizational innovation theory, and resource-based view (RBV) theory by demonstrating the interplay between autonomy, innovation, and emotional intelligence in enhancing creativity and sales performance. Practically, the findings highlight the need for MSME owners to foster workplace autonomy, encourage an innovative work culture, and enhance employees' emotional intelligence to improve business success through creative approaches.

Model of halal management practices in Islamic banking: empirical evidence from Bank Syariah Indonesia

Hendri Hermawan Adinugraha, Muhammad Shulthoni, Muhammad Zheeva Al-Kasyaf — Thu, 26 Jun 2025 14:35:26 +0700

Purpose – This research analyzes the halal management practice model implemented at the Bank Syariah Indonesia (BSI) Pekalongan branch in maintaining compliance with Sharia principles. Method – This research uses a qualitative method with an interpretative approach. Data collection was done through in-depth interviews, observation, and document analysis. The research results were validated by triangulating data sources, methods, and theories. Findings – The results showed that the BSI Pekalongan branch implemented a strict supervisory system to ensure that all transactions and services followed Sharia principles. Transparency in contracts and halal-based fund management are the main factors that build customer trust. Islamic financial education strategies play a role in increasing customer loyalty to bank products and services. Challenges in Islamic financial literacy and technology utilization still hinder the improvement of halal management efficiency. This research provides insight for Islamic banking stakeholders to increase the effectiveness of halal management in building customer trust and loyalty. The BSI Pekalongan branch can improve its competitiveness and ensure full compliance with Sharia principles by strengthening its supervision through transaction transparency and digitalization of halal services. Implications – Theoretically, this research enriches halal management studies by emphasizing Sharia compliance, transparency, and innovation in digital services. Practically, it guides Islamic banks in strengthening governance and customer trust.

The role of transformational leadership in enhancing Islamic work ethic and employee engagement

Thu, 26 Jun 2025 14:36:34 +0700

Purpose – This study investigates the relationship between Islamic work ethic, job satisfaction, and employee engagement, with transformational leadership as a moderating variable. It aims to assess whether job satisfaction mediates the impact of Islamic work ethic on engagement and if transformational leadership enhances these effects. The research offers insights into how ethical values and leadership styles influence employee engagement at Brangkal Printing. Method – A quantitative approach with a cross-sectional survey design was used, involving all 75 employees at Brangkal Printing through total sampling. Data were gathered using a likert-scale questionnaire to measure Islamic work ethic, job satisfaction, transformational leadership, and employee engagement. The data analysis technique used in this study is partial least squares structural equation modeling (PLS-SEM). Findings – The results reveal that the Islamic work ethic does not directly influence employee engagement but positively impacts job satisfaction, which enhances engagement, confirming the mediating role of job satisfaction. Transformational leadership directly affects engagement but does not significantly moderate the relationships examined. Implications – This research highlights the significance of the Islamic work ethic in improving job satisfaction and engagement while highlighting the context-dependent nature of transformational leadership. It extends existing theories by emphasizing the influence of cultural and ethical values on workplace behavior. Organizations should enhance job satisfaction through a supportive work environment, fair compensation, and career development. Integrating Islamic values into leadership strategies can optimize employee motivation, commitment, and engagement, leading to better performance.

Boosting MSMEs: how digital financial innovation and financial literacy fuel access to finances

Komang Widhya Sedana Putra, Ni Wayan Lasmi — Thu, 26 Jun 2025 14:37:38 +0700

Purpose – This study explores how digital financial innovation and literacy collectively promote access to finance and MSMEs growth in Bali, Indonesia. Intends to ascertain how these two factors combine to enhance access to finance and, subsequently, MSME growth. Method – Data collection was carried out through questionnaires using a quantitative approach. The study targeted the owners of MSMEs in Bali, using purposive sampling to select 200 respondents who have actively utilized digital financial services. The data were analyzed using structural equation modeling (SEM) to quantify the associations among key variables. Findings – The results show that financial literacy is an important mediator in ensuring digital financial innovation translates into access to finance and, subsequently, MSME growth. This, therefore, offers strong proof that a boost in financial literacy among MSME owners in developing countries will further sweeten the benefits of digital financial innovations into better chances of securing finance for business expansion. The research explores how financial literacy and digital financial innovation expand access to finance and MSME development in Bali, using disruptive innovation theory, theory of access to finance, theory of financial literacy, and TAM. Evidence confirms financial literacy as an essential mediator, increasing the impact of digital finance. Implications – Theoretically, this integrates multiple frameworks; practically, it demands increased financial literacy awareness to harness digital innovation value to MSME development and inclusion fully.

Consumer satisfaction with halal hub MSME services: evidence from Sumenep regency, Indonesia

Nuri Alvianita, Resti Prastika Destiarni, Isdiana Suprapti — Thu, 26 Jun 2025 14:38:58 +0700

Purpose – The research aims to identify business actors' satisfaction with services and analyze the attributes influencing service quality at the halal hub MSME Sumenep. Method – The quantitative research involves 60 respondents, selected using purposive sampling with criteria who had received assistance from the halal hub MSME Sumenep. The data source used is primary data collected through structured questionnaires distributed directly to respondents. The methods used for the analysis are the CSI (customer satisfaction index) and IPA (importance performance analysis). Findings – The CSI analysis results indicate that business actors were very satisfied. Meanwhile, the results of the IPA analysis in quadrant I show three priority improvement attributes: completing administration on time, being ready to serve at any time during working hours and helping obtain certification. The IPA matrix also revealed attributes in Quadrant II that should be maintained due to their strong performance and perceived importance. In contrast, attributes in Quadrants III and IV represent lower strategic priority. Enhanced satisfaction is expected to foster user loyalty and generate positive word-of-mouth among other MSMEs. MSME satisfaction will make the business ask for services from halal hub again and even recommend these services to other MSMEs. Implications – Theoretically, these findings support the notion that service quality is shaped by users' perceptions of both performance and the importance of service attributes. Empirically, the study provides practical insights into halal support institutions in designing service improvements that align with business actors' expectations.

Entrepreneurial culture, personal character, emotional intelligence toward improves entrepreneurs’ independence

Nuzulul Qurnain, Zef Risal, Wahyu Maulana — Thu, 26 Jun 2025 14:39:59 +0700

Purpose – This research aims to test and analyze whether personal character and emotional intelligence mediate entrepreneurial culture on the independence of cigarette entrepreneurs in Pamekasan, Madura. Method – This type of research is quantitative research with an associative approach. Data was collected using a questionnaire, and the research objectives were cigarette entrepreneurs in all sub-districts in Pamekasan Madura Regency. The population in this study was 1262 people, and the sample was 126 entrepreneurs. Purposive sampling techniques were used with predetermined criteria. Testing research hypotheses using AMOS SEM. Findings – The research results show that entrepreneurial culture positively affects entrepreneurial independence. Entrepreneurial culture positively affects personal character. Entrepreneurial culture positively affects emotional intelligence. Personal characters cannot mediate the influence of entrepreneurial culture on entrepreneurial independence. Emotional intelligence cannot mediate the influence of entrepreneurial culture on entrepreneurial independence. Implications – Theoretical implications have contributed to expanding scientific knowledge regarding the theory of entrepreneurial culture to increase business independence. Practical implications of the culture of the surrounding community need to be preserved because it influences increasing independence through personal character, namely thinking before acting, daring to take risks for future life and emotional intelligence, and the ability to recognize one's own emotions and the emotions of others.

Islamic performance index for mustahiq empowerment by zakat collection institution

Thu, 26 Jun 2025 14:41:03 +0700

Purpose – This study aims to measure the performance of the Dompet Dhuafa North Sumatra Zakat collection institution in the transformation of mustahiq empowerment using the Islamic performance index (IPI) model. Method – This type of research is field research using a comparative descriptive method with a quantitative approach. Primary data was obtained through online and offline questionnaires. Meanwhile, secondary data was obtained from the annual report of the Dompet Dhuafa North Sumatra Zakat institution. The research population was 1896 Mustahiq in 2023. Using Slovin's formula, the sample size was 330 mustahiq. The analysis technique used in this study is the IPI model. Findings – The findings of this study demonstrate that the IPI model is applicable for assessing the performance of amil zakat institutions in enhancing the welfare of mustahiq. Nevertheless, in this study, the augmentation of material income is negligible, specifically, 25 mustahiq among 330 respondents. The increase in mustahiq religiosity significantly after acquiring zakat, infaq, and sadaqah, encompassing 316 mustahiq individuals. Implications – This research makes an important contribution to the literature on sharia-based zakat management by introducing the IPI model as a more holistic and integrated evaluation tool. On the practical side, the findings of this research provide valuable guidance for zakat institutions in designing more impactful and sustainable mustahiq empowerment programs.

Sustainable tourism marketing strategy using the EFINEEL model in coastal communities

Ida Bagus Cempena, Tri Ratnawati, Arga Christian Sitohang — Thu, 26 Jun 2025 14:42:05 +0700

Purpose – Sustainable tourism holds significant potential for enhancing the economic welfare of coastal communities; however, marketing strategies in Minapolitan areas, such as Gosari village Gresik, remain suboptimal, particularly in integrating social and environmental aspects. This study examines the effectiveness of the EFINEEL bottom line model, encompassing seven key dimensions: economy, fishermen, social inclusion, nature, community empowerment, ecology, and local involvement. Method – This study uses a quantitative approach with partial least squares-structural equation modeling (PLS-SEM) and 106 purposively selected respondents. Findings – The findings show that local involvement strongly influences social inclusion, while community empowerment drives economic welfare, with ecological sustainability also positively impacting the outcomes. The EFINEEL model proves effective in formulating practical, sustainable tourism strategies that integrate economic, social, and environmental dimensions. Implications – Theoretically, this study advances sustainable tourism theory by combining the triple bottom-line framework with grassroots-based governance. It demonstrates that community-driven approaches, placing local agencies at the center, lead to more effective sustainable theoretical outcomes, emphasizing the importance of participatory models for destination development in underrepresented rural and coastal areas. This research challenges traditional top-down models and advocates for inclusive, locally rooted governance to achieve long-term sustainability.

Enhancing consumer loyalty through Islamic experience-based marketing in legendary culinary businesses

Thu, 26 Jun 2025 14:43:19 +0700

Purpose – This study examines the impact of the Islamic experiential marketing strategy and value co-creation on customer loyalty, considering customer satisfaction as a mediating variable. This study develops a model integrating subjectivist spirituality within Islamic marketing to improve consumer experiences and loyalty. Method – This study utilizes a quantitative method, analyzing survey data obtained from 265 consumers of renowned culinary establishments in Medan city, where the sample was selected using a purposive sampling method. Data was analyzed using structural equation modeling (SEM) to investigate the relationship between variables and the research instruments underwent validation and reliability tests. Findings – The findings show that Islamic experiential marketing strategy positively affects customer satisfaction. Islamic experiential marketing strategy negatively affects customer loyalty. Value co-creation negatively affects customer satisfaction. Value co-creation positively affects customer loyalty. Customer satisfaction positively affects customer loyalty. Customer satisfaction can mediate the relationship between Islamic experiential marketing strategy and value co-creation with loyalty. Implications – This study can extend the existing literature on Islamic marketing by integrating subjectivist spirituality, thereby enhancing understanding of the factors that drive consumer loyalty. These findings are of practical importance to culinary businesses looking to increase consumer engagement and retention by integrating Islamic values into experiential marketing strategies and co-creation, enabling businesses to foster lasting consumer relationships while upholding Islamic marketing practices.

Optimizing MSME sustainability through digital marketing, innovation, and financial literacy with financial technology support

Shinta Rahmani, Fatimah Abdillah, Vivi Ristanti — Thu, 26 Jun 2025 14:45:50 +0700

Purpose – This study aims to analyze the influence of digital marketing, business innovation, and financial literacy on the sustainability of MSMEs in Malang City, with financial technology (fintech) adoption as a mediating variable. Method – This study is a quantitative research with primary data in the form of a questionnaire. Using a purposive sampling technique, data were collected from 120 MSME actors in the culinary, fashion, crafts, and creative services sectors. Analysis was conducted using structural equation modeling–partial least squares (SEM-PLS) via SmartPLS 4.0. Findings – The results show that digital marketing, business innovation, and financial literacy positively and significantly affect MSME sustainability. Financial technology adoption also directly influences sustainability and significantly mediates the relationship between digital marketing and sustainability. However, it does not significantly mediate the relationship between business innovation or financial literacy and sustainability, indicating the need for better alignment between innovation and financial knowledge with financial technology usage. Implications – Theoretically, this study enriches the literature by integrating organizational innovation theory and the technology acceptance model (TAM), offering a comprehensive model of MSME sustainability. Practically, the findings guide MSME actors in strengthening digital marketing strategies and adopting financial technology-based financial management. Local governments are encouraged to implement integrated digital and financial literacy programs, while financial technology providers are advised to improve user education and experience for MSMEs, especially those less familiar with technology. These findings provide actionable insights for building inclusive, tech-savvy, and sustainable MSMEs in the digital economy.

Islamic banking performance: the interplay of governance, Islamicity performance, and social disclosure

Nabila Syafira, Achmad Soediro, Media Kusumawardani, Ahmad Pratama — Thu, 26 Jun 2025 14:47:04 +0700

Purpose – This study investigates the influence of Islamic corporate governance (ICG) and the Islamicity performance index (IPI), as proxied by the profit-sharing ratio (PSR), zakat performance ratio (ZPR), and equitable distribution ratio (EDR), on the financial performance of Islamic banks in Indonesia. Furthermore, this study examines the moderating role of Islamic social reporting (ISR) in these relationships. Method – Employing a quantitative approach, this research utilizes secondary data obtained from the Financial Services Authority (FSA) of Indonesia and the official websites of Islamic banks. The sample comprises 10 Islamic commercial banks operating in Indonesia from 2019–2023. The study applies moderated regression analysis (MRA) to assess the proposed relationships. Findings – The findings reveal that, individually, both ICG and EDR positively and significantly influence financial performance, whereas PSR does not exhibit a significant effect. In contrast, ZPR demonstrates a negative and significant impact on financial performance. Moreover, ISR moderates the relationships between ICG, ZPR, and EDR with financial performance, while its moderating effect is not observed in the relationship between PSR and financial performance. ISR strengthens the impact of ICG and the IPI on Islamic banks' financial performance, enhancing the understanding of governance and performance in Islamic finance. Implications – The theoretical implication highlights ISR's role in enhancing ICG and IPI's impact, and the practical implication emphasizes its importance in boosting transparency and trust in Islamic banking.

Antecedents of impulse buying behaviour in generation z

Ni Km Tri Sukma Sagitarini, Ida Ayu Oka Martini — Thu, 26 Jun 2025 14:48:25 +0700

Purpose – This study aims to determine how impulse buying behaviour is influenced by customer reviews and influencer credibility, using trust as a mediating factor in the purchase of skintific products by generation z in Bali province. Method – An online survey was used to collect quantitative data from 210 respondents selected using purposive sampling. The study population comprises generation z individuals in Bali who have purchased skintific products online. Structural equation modeling-partial least squares (SEM-PLS) was used to analyse the data to see the direct and indirect interactions between variables. Findings – The results revealed that customer reviews do not affect impulse buying behavior. Influencer credibility positively affects impulse buying behaviour. In addition, customer reviews positively affect trust, while influencer credibility does not affect trust. Furthermore, trust positively affects impulse buying behavior. In terms of mediation, trust fully mediates the relationship between customer reviews and impulse buying behaviour. Meanwhile, trust does not mediate the relationship between influencer credibility and impulse buying behaviour. Implications – Theoretically, these findings enrich the literature regarding factors influencing impulse buying behaviour by highlighting the mediating role of trust in the relationship between customer reviews and purchase decisions. Practically, the findings in this study suggest that brands should improve the quality of customer reviews to strengthen consumer trust, while influencer marketing strategies should focus on emotional engagement and interactive content.

Integrity of artificial intelligencein recruitment on employee performance: the mediating role of organizational values

Nuraini Nuraini — Thu, 26 Jun 2025 14:49:31 +0700

Purpose – This research examines the effect of artificial intelligence (AI) integrity in the recruitment system on employee performance in state-owned enterprises, considering the role of organizational values alignment as a mediating variable. Method – This study uses a quantitative approach and a proportional stratified random sampling technique. The population consists of employees at one of the state-owned enterprises in Makassar recruited through an artificial intelligence-based system. The research sample consists of 144 respondents, who are permanent employees who have followed the AI-based recruitment process. The data used was primary data, which was collected through the distribution of questionnaires, which had previously been tested for validity and reliability, and through direct observation of the AI-based recruitment process. The method used to analyze the data in this study is structural equation modeling (SEM) with the partial least square (PLS) approach. Data processing is done through SmartPLS version 3 software. Findings – The results showed that the integrity of artificial intelligence in the recruitment process positively affects employee performance. Organizational values are proven to mediate the relationship between the use of artificial intelligence in recruitment and employee performance and directly positively affect employee performance. Implications – Theoretically, these findings enrich the recruitment and selection theory studies, especially by integrating the concept of artificial intelligence integrity and the role of organizational values. Practically, the results of this study contribute applicable guidelines for organizations in designing and implementing artificial intelligence-based recruitment systems effectively.

The impact of sharia financing on economic growth and key economic indicators in Sulawesi

Rita Yunus, Muhammad Akbar, Fajar Wijaya — Thu, 26 Jun 2025 14:50:24 +0700

Purpose – This study aims to analyze the impact of sharia financing on economic growth (GDP), inequality, poverty, productivity, and school participation rates in the province of Sulawesi, Indonesia. Method – This study uses a quantitative approach with a data panel regression method and a fixed effects model. The data used included data from the annual report published by the Central Statistics Agency (CSA) and the Financial Services Authority (FSA) for the 2015-2023 period from 6 provinces in Sulawesi, with 54 observational data. Findings – The study results show that sharia financing positively affects economic growth (GDP), poverty, productivity, and school participation in Sulawesi. However, sharia financing does not affect income inequality. Overall, these findings indicate that sharia financing can drive more inclusive and sustainable economic growth. Implications – The implications of these findings contribute to the theory of sharia finance by enriching the literature on the role of inclusive finance that can support social justice and equitable economic growth. From a practical point of view, these findings demonstrate the need for governments and financial institutions to prioritize a fairer distribution of sharia financing, especially in underserved areas, to help reduce poverty and inequality and increase economic growth, productivity, and access to education.

Determinant of income inequality: empirical study of 34 provinces in Indonesia moderated by investment

Ainul Mardhiyah, Fitrawaty Fitrawaty — Thu, 26 Jun 2025 14:52:27 +0700

Purpose – This study aims to find empirical evidence of the influence of gross regional domestic product, poverty rate and human development index on income inequality in Indonesia from 2016 to 2023 moderated by investment. Method – This study uses a quantitative approach with secondary data obtained through the official website of Statistics Indonesia. The population of this study consists of 34 provinces in Indonesia. The sample used is 272 data observations obtained from a combination of the number of provinces and years of research. The data analysis used is the panel data regressions and moderated regression analysis (MRA) method with EViews 12. As a result of the Chow and Hausman tests, the random effect model is the selected model. Findings – The research findings indicate that income inequality is positively affected by gross regional domestic product, poverty rate, and human development index. In contrast, investments do not affect income inequality. Investment cannot moderate the influence of gross regional domestic product, poverty rate, and human development index on income inequality. Implications – The study findings contribute to the scientific understanding of income inequality determinants in Indonesia as a low-middle income country. The practical implications of these findings for policymakers are expected to increase economic growth, improve education and healthcare quality, reduce income inequality and unemployment, and maintain price stability and purchasing power for the community.

Sociopolitical identity, religiosity, and motivation toward intention in Islamic banking: a behavioral reasoning theory extension

Thu, 26 Jun 2025 14:53:39 +0700

Purpose – This research analyses the factors influencing Indonesia's largest Muslim communities' intention to utilize Islamic banking services. Method – Employing a quantitative methodology, this study targeted members of Nahdlatul Ulama (NU) and Muhammadiyah as the population. The sample consisted of 343 respondents, determined using Hair theory and selected through purposive sampling. Data was collected through a structured questionnaire and analyzed using structural equation modeling (SEM) to evaluate measurement and structural models. Findings – The findings reveal that normative beliefs significantly shape subjective norms and influence individuals' intentions to engage with Islamic banking services. Additionally, religiosity positively affects attitudes toward these services, reinforcing existing literature linking religious values to financial decision-making. Implications – Theoretically, this study implies the development of behavioral reasoning theory in Islamic finance. Practically, this study provides valuable insights into marketing strategies promoting financial inclusion among diverse religious communities.

Factors affecting dividend payment policy in Indonesian banking sectors moderated by return on assets

Dwi Susilowati — Thu, 26 Jun 2025 14:54:45 +0700

Purpose – This study analyses how the debt-to-equity ratio, current ratio, and free cash flow influence the dividend payment policy moderated by return on assets. Method – This study uses a quantitative approach with secondary data. Every Indonesian bank listed on the Indonesia Stock Exchange (IDX) between 2019 and 2023 as the research population amounts to 47 companies. Observation data of 90 were taken from 18 banks as samples selected using a purposive sampling technique. The data is analyzed using moderated regression analysis (MRA). Based on the results of the Chow and Hausman tests, the random effect model was chosen. Findings – The findings of this study show that the current ratio, free cash flow, and return on assets positively impact the dividend payment policy. In contrast, the debt-to-equity ratio does not impact dividend policy. Return on assets can strengthen the influence of the current ratio and free cash flows on dividend payout. However, return on assets cannot moderate the relationship between debt-to-equity ratio and dividend payout. Implications – This study can complement existing theories and provide a starting point for researchers to investigate dividend theory in the stock market further, advancing the understanding of this complex financial dynamic on a global scale. These findings provide valuable insights for management in setting dividend policy and highlight potential strategies to enhance shareholder value.

Determinants of inclusive economic growth in Indonesia moderated by the open unemployment rate

Wira Yudha Alam, Hari Fitrianto — Thu, 26 Jun 2025 14:56:42 +0700

Purpose – This study intends to find empirical evidence regarding the influence of the democracy index, government expenditure on education, and income inequality on inclusive economic growth moderated by the open unemployment rate. Method – This research employs a quantitative methodology with panel data regression. Utilizing secondary data from Indonesia's report on inclusive economic growth. The data was generated in numerical form from 33 provinces in Indonesia from 2019 to 2023. In this study, the number of observation data or samples used is 165. The data analysis used is the panel data regressions and moderated regression analysis (MRA) method with EViews 12. The selected model is the fixed effect model because of the Chow and Hausman tests. Findings – The research findings indicate that the democracy index and open unemployment rate negatively affect inclusive economic growth. Meanwhile, government expenditure on education positively affects inclusive economic growth. In contrast, income inequality does not affect inclusive economic growth. The open unemployment rate can strengthen the effect of government expenditure on education on inclusive economic growth. However, the open unemployment rate does not moderate the relationship between the democracy index and income inequality on inclusive economic growth. Implications – The study findings contribute to the scientific understanding of inclusive economic growth determinants in Indonesia, a moderate and low-income nation. This research can be a reference for the government in making policies and increasing justice in various fields, such as politics, social issues, and education.

Determinant factors affecting employee’s performance in the state-owned banks sector: mediated by job satisfaction

Herizal Herizal, Al Asri Abubakar, Nita Hernita — Thu, 26 Jun 2025 14:57:34 +0700

Purpose – This study analyses job satisfaction, mediating the influence of work-life balance, workplace culture, and compensation on employee performance. Method – This study used a causally associative methodology and a quantitative approach. Employees working in state-owned banking sectors in Aceh were the population in this study. The research sample was 156 employees who were chosen using purposive sampling. The data source uses primary data as a survey by providing questionnaires for employees to fill out. Data analysis techniques use partial least squares-structural equality modeling (PLS-SEM) with statistical tools in SmartPLS software. Findings – Based on the study's findings, work-life balance positively affects employee performance. In contrast, work environment, compensation, and job satisfaction did not affect employees' performance. Job satisfaction can mediate the relationship between compensation and work-life balance on employee performance. However, job satisfaction cannot mediate the relationship between work environment and employee performance. Implications – Theoretically, the results of this study strengthen the understanding that job satisfaction is an important psychological variable that links work environment factors with performance outcomes. These results provide strategic direction for state-owned bank management to focus on creating a work environment that supports work-life balance, a healthy work culture, and an appropriate compensation system to increase satisfaction and ultimately drive optimal employee performance.

Factors affecting online purchase intention of handcraft products: moderation of lifestyle

Thu, 26 Jun 2025 14:58:37 +0700

Purpose – This study aims to analyze the influence of digital marketing, brand image, and product variety on online purchase intentions of handicraft products moderated by lifestyle. Method – This study uses a quantitative method and a causally associative approach. Customers who made purchases of handcraft products in PT. Indo Risakti was the population in this study. The research sample comprised 155 respondents, measured using the Hair et al. approach and the purposive sampling technique. The survey method is used in data collection by providing online questionnaires to respondents to fill out. The data analysis technique used partial least squares-structural equality modeling (PLS-SEM) with SmartPLS as a statistical tool. Findings – The research findings show that brand image and lifestyle positively affect the interest in buying handicraft products online. In contrast, digital marketing and product variants do not affect the interest in buying handicraft products online. Lifestyle can strengthen the influence of digital marketing, brand image, and product variations on the interest in buying handicraft products online. Implications – Theoretically, this research has implications for enriching scientific literature on consumer behavior in online shopping, especially for handicraft products. Practically, it can guide business actors to develop more effective marketing strategies. Market segmentation based on lifestyle can help businesses target more appropriate and relevant consumers.

Does trust mediate the determinant factor of airplane e-ticket purchase decisions using mobile applications?

Thu, 26 Jun 2025 14:59:34 +0700

Purpose – This study aims to analyze the influence of information quality, social media marketing, and perceived ease of use on e-ticket purchasing decisions using the tiket.com mobile application mediated by trust. Method – This research applied quantitative methods and a causally associative approach. The population of this study is tiket.com customers in Surabaya, where the number is not known with certainty. Sampling measurement uses the Hair approach, so the number of samples obtained is 130 people. The sampling technique uses purposive sampling with predetermined criteria. Data analysis techniques use partial least squares-structural equality modelling (PLS-SEM) with the SmartPLS statistical tool. Findings – The findings show that quality information, social media marketing, perceived ease of use, and trust positively affect online purchase decisions. Trust can mediate the effect of quality information and social media marketing on online purchase decisions. However, trust cannot mediate the influence of perceived ease of use on online purchase decisions. Implications – Theoretically, this study can strengthen the understanding of the importance of trust in digital consumer behavior. Practically, companies like tiket.com need to focus on presenting accurate information, social media strategies that build trust, and easy and comfortable user experiences.

The development of Islamic economics in the Malay Lands: a historical study and economic practice

Muhammad Isa Selamat — Thu, 26 Jun 2025 15:00:47 +0700

Purpose – This study aims to examine the historical development of Islamic economic civilization in the Malay Lands and analyze how Islamic economic values and institutions are applied in the socio-economic practices of local communities. Method – Using a descriptive qualitative approach and library research methods, this study traces historical sources, classical manuscripts, and scientific literature that discuss the Islamic economic system in regions such as the Sultanates of Malacca, Aceh, Johor, and Kedah. Findings – The study results show that the Islamic economic system has been firmly integrated into the social structure of Malay society through the practices of zakat, waqf, baitul mal, and Islamic trade ethics based on justice and social welfare. These institutions are not only mechanisms for distributing wealth but also act as instruments of da'wah and strengthen public morals. However, the main obstacles to revitalizing the system are modern challenges such as secularizing the economic system, limited sharia regulations, and the dominance of the capitalist model. Implications – The implications of this study emphasize the importance of the reconstruction of Islamic economics that is not only normative but also contextual and operational to be able to answer the needs of contemporary society sustainably.