BORJUIS: JURNAL OF ECONOMY diterbitkan empat kali dalam setahun, jurnal peer-review, dan mengkhususkan diri dalam penelitian lapangan dan kajian literatur yang berkaitan dengan bidang ekonomi, bisnis, manajemen, akuntansi, perbankan dan bidang-bidang lainnya yang dianggap relevan dengan ruang lingkup dari bidang kajian tersebut. Tujuannya adalah untuk memberikan pemahaman yang lebih baik kepada pembaca tentang ruang lingkup keilmuan tersebut sehingga layak untuk disajikan sesuai dengan perkembangannya melalui publikasi artikel dan laporan penelitian baik riset lapangan maupun literatur. BORJUIS: JURNAL OF ECONOMY adalah jurnal yang menerbitkan hasil penelitian, baik kajian teori maupun lapangan, baik secara umum maupun secara khusus yang berkaitan dengan bidang ekonomi, bisnis, manajemen, akuntansi, perbankan dan bidang-bidang lainnya yang dianggap relevan dengan ruang lingkup dari bidang kajian tersebut. Nama Jurnal : BORJUIS: Jurnal of Economy Bahasa : Indonesia ISSN : 3030-931X Issue Frequently : Empat Kali dalam Setahun Chief of Editor : Profesor Madya Dr Hadenan Towpek Publisher : Adisam Publisher this journal is indexed by:
PENGARUH PRICE PERCEPTION TERHADAP REPURCHASE INTENTIONDIMEDIASI OLEH PERCEIVED VALUE(Studi Pada Pelanggan Luxcrime di E-Commerce)
The purpose of this study is to examine and explain the effect of price perception on repurchase intention by incorporating perceived value as a mediating variable among Luxcrime customers on e-commerce platforms. The population of this study consists of Luxcrime customers residing in Denpasar City who have purchased Luxcrime products through e-commerce platforms. A total of 120 respondents were selected using a purposive sampling technique, and the data were collected through questionnaires. This study employed descriptive and inferential statistical analyses using the Structural Equation Modeling (SEM) approach based on Partial Least Squares (PLS). The results indicate that price perception has a positive and significant effect on repurchase intention, price perception has a positive and significant effect on perceived value, and perceived value has a positive and significant effect on repurchase intention. In addition, perceived value significantly mediates (partial mediation) the relationship between price perception and repurchase intention. The theoretical implication of this study is that it reinforces the Stimulus-Organism-Response (S-O-R) Theory in explaining repurchase intention, while the practical implication highlights the importance of maintaining a positive price perception and enhancing customers' perceived value in order to increase repurchase intention toward Luxcrime products on e-commerce platforms.
Copyright (c) 2026 BORJUIS: JURNAL OF ECONOMY
PERAN CUSTOMER ENGAGEMENT MEMEDIASI PENGARUH ATRIBUT PLATFORM DIGITAL DAN GAYA HIDUP DIGITAL TERHADAP REPURCHASE INTENTION
The rapid development of digital technology has fundamentally transformed consumer behaviour patterns in Indonesia, particularly in the use of super-app platforms. This study aims to develop a conceptual model of the relationship between the variables of digital platform attributes, lifestyle and repurchase intention, with customer engagement acting as a mediating variable. This conceptual study employs the Stimulus-Organism-Response (S-O-R) paradigm as its theoretical framework, positioning digital platform attributes and lifestyle as the stimulus (S), customer engagement as the organism (O), and repurchase intention as the response (R). The conceptual model developed is complemented by propositions covering both direct and indirect pathways via mediation. Based on a review of previous research, digital platform attributes—including ease of use, speed of access, transaction security, quality of information, and service integration—are projected to have a positive influence on customer engagement. Similarly, alignment with a digital lifestyle is projected to enhance customer engagement and ultimately drive repurchase intention. Customer engagement is positioned as a key mediating mechanism that bridges external stimuli with repurchase behaviour. This study contributes to the development of an integrated conceptual model whilst providing a foundation for future quantitative research.
MEKANISME PSIKOLOGIS DAN SOSIAL DALAM PEMBENTUKAN PERILAKU KONSUMEN BERKELANJUTAN(Sebuah Studi Literatur)
Sustainable consumer behaviour has become a key issue in the study of marketing and sustainability, in line with growing public awareness of the environmental impact of consumption. Various studies indicate that consumer behaviour is influenced by psychological and social factors that interact with one another in the decision-making process. This study aims to develop a conceptual model explaining the role of psychological and social factors in shaping sustainable consumer behaviour through a literature review approach. The method employed is an exploratory literature study utilising narrative synthesis and conceptual mapping techniques. The primary sources consist of four academic articles discussing motivation, consumer engagement, social norms, emotions and attitudes in the context of sustainable consumption behaviour. The results of the synthesis indicate that consumer motivation and engagement act as psychological factors driving sustainable consumption behaviour, whilst social norms act as social factors influencing behaviour both directly and through emotions and attitudes. Based on the integration of these findings, this study produces a conceptual model proposing eight theoretical propositions regarding the relationships between variables. The contribution of this research lies in the integration of psychological and social factors within a single, more comprehensive framework to explain sustainable consumer behaviour. The resulting model is expected to serve as a foundation for further empirical research and to provide insights for companies and policymakers in promoting more responsible and sustainable consumption.
PENERAPAN MANAJEMEN BISNIS SYARIAH DALAM PRAKTIK JUAL BELI EMAS DI NILAU TAPAN PESISIR SELATAN
The practice of buying and selling gold in Nilau Tapan, Pesisir Selatan Regency, is still carried out traditionally and has not fully implemented the principles of structured business management. Business management is more based on experience, habits, and trust between traders and buyers that have been established for a long time. However, the values of honesty and trust are still upheld by traders in carrying out daily trading activities, such as in determining the weight, content, and price of gold. However, there is no systematic business planning, regular record keeping, and structured supervision have the potential to cause an imbalance of information between traders and buyers. This situation prompts the necessity for a study to evaluate the degree to which gold trading practices in Nilau Tapan adhere to the fundamentals of sharia business management. The purpose of this inquiry is to examine the application of sharia business management within gold transaction activities in Nilau Tapan, South Coastal Regency. The methodology applied is field investigation with a qualitative descriptive perspective. Information was gathered via direct monitoring at the study site, dialogues with gold merchants and customers, along with records associated with gold trading operations at Nilau Tapan Market. The data analysis mechanism is performed through the phases of data gathering, data condensation, data display, and conclusion formulation. The study findings indicate that the execution of business management in gold trading practices in Nilau Tapan remains elementary and conventional. Management functions such as planning, organizing, implementation, and supervision have not been formally and in writing, but are carried out based on the experience and habits of the trader. However, viewed from the perspective of sharia business management, the practice of buying and selling gold in Nilau Tapan has reflected sharia values such as honesty (shiddiq), trust, justice, responsibility, and transparency in determining the weight, content, and price of gold. Thus, even though business management has not been structured in a modern way, the practice of buying and selling gold in Nilau Tapan is basically in accordance with the principles of sharia business management.
PENGARUH CITRA MEREK DAN KUALITAS PRODUK TERHADAP KEPUTUSA PEMBELIAN PADA USAHA KOPI BUBUK GUNPAS DI KECAMATAN PANTI KABUPATEN PASAMAN
The escalating rivalry within the regional ground coffee sector compels business operators to maintain a robust brand image and product quality proficient in driving consumers' purchasing decisions. Kopi Bubuk Gunpas represents a regional ground coffee business situated throughout Panti District, Pasaman Regency, which has functioned across an extended duration yet continues encountering transactional instability stemming from market competition and shifting client dynamics. This investigation seeks to assess the impact of brand image and product quality regarding purchasing decisions within Kopi Bubuk Gunpas. The inquiry methodology executed adopts a numerical procedure featuring an empirical exploration layout. The aggregate population of this investigation encompasses every buyer obtaining products from Kopi Bubuk Gunpas across Panti District, Pasaman Regency, with an exhaustive selection mechanism administered. The compiled statistics were processed via multi-variable linear estimation models, backed by individual parameter tests and collective variance evaluations. The outcomes demonstrate that brand image exerts a constructive and meaningful influence on purchasing decisions. Product quality similarly yields a constructive and meaningful consequence on purchasing decisions. Concurrently, brand image and product quality generate a meaningful impact regarding buyers' purchasing decisions within Kopi Bubuk Gunpas. These discoveries signal that favorable evaluations of brand image and product quality constitute vital catalysts toward maximizing buyers' purchasing decisions.
ANALISIS STRATEGI PENGEMBANGAN USAHA KERUPUK LENTO I & G BERSAUDARA TANJUNG ANAU KELURAHAN OMPANG TANAH SIRAH KECAMATAN PAYAKUMBUH UTARA
The objective of this research is to examine the business development tactics of Kerupuk Lento I & G Bersaudara situated in Balai Batung Village, North Payakumbuh District. The investigative method utilizes a qualitative perspective with SWOT analysis through the formulation of Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE) matrices. Information was gathered via interviews and field observations, and documentation. The results indicate that Kerupuk Lento I & G Bersaudara is strategically positioned aggressively, characterized by strong internal factors and substantial external opportunities. Recommended strategies include increasing production efficiency, strengthening promotion through digital media and packaging innovation, and expanding the distribution network or opening branches. Implementing these strategies is expected to increase competitiveness and business sustainability in accordance with Sharia principles.
ANALISIS DAMPAK JANGKA PANJANG KRISIS GLOBAL TERHADAP ANGKA PENGANGGURAN DI INDONESIA
This research aims to conduct an in-depth analysis of the long-term impact of global economic crises on the dynamics of unemployment rates in Indonesia. Economic crises, characterized by sharp contractions in Gross Domestic Product (GDP), exchange rate fluctuations, and price instability, often serve as the primary triggers for disruptions in the national labor market. Utilizing a literature review approach and secondary data analysis spanning from the 2008 global financial crisis to the post-pandemic era, this study dissects the transmission mechanisms of the crisis through trade channels and foreign investment. The analysis reveals that the global crisis not only leads to a significant decline in GDP but also triggers a weakening of the existence of Okun's Law in Indonesia, where post-crisis economic growth tends to be "jobless growth" or is not followed by optimal labor absorption. This condition is exacerbated by structural issues such as the mismatch between labor supply and demand, as well as the low absorption capacity of the industrial sector toward educated graduates. As a mitigation measure, this research recommends the necessity of diversifying the economic base, stabilizing flexible monetary policies, and strengthening the role of MSMEs and the grassroots economy as pillars of national resilience in facing potential global shocks in the future (Syahbana et al., 2024; Muanas & Milhani, 2021; Ariffianti et al., 2025; Frisnoiry et al., 2024).
ANALISIS RASIO KEUANGAN UNTUK MENGUKUR KINERJA KEUANGAN PERUSAHAAN PADA PT AVIA AVIAN TBk
This study aims to examine the financial performance of PT Avia Avian Tbk through an analysis of financial ratios, including liquidity, solvency, activity and profitability ratios. The study employs a qualitative approach using a descriptive method to characterise the company’s financial condition based on the available data. The data sources used consist of secondary data derived from the financial statements of PT Avia Avian Tbk for the period 2021–2024. Data collection was carried out using a documentary approach by examining the financial statements published by the company as the basis for the analysis. The results of the study indicate that the financial condition of PT Avia Avian Tbk demonstrates excellent liquidity, as reflected by liquidity ratios that exceed industry standards. These findings indicate that the company is able to meet its short-term obligations optimally. On the other hand, the company’s capital structure is in a relatively safe condition. Nevertheless, the results of the analysis of activity and profitability ratios show that the company’s efficiency in utilising assets and its ability to generate profit are not yet optimal. Furthermore, the solvency, activity and profitability ratios remain below the industry average; consequently, the company needs to improve the effectiveness of its asset management, operational efficiency and strategies to enhance profitability so that its financial performance can improve and it can compete sustainably.
TRANSFORMASI WILAYAH PERBATASAN INDONESIA–MALAYSIA MELALUI STRATEGI BRANDING DESTINASI EKONOMI DAN PARIWISATA
This study aims to examine the transformation of the Indonesia–Malaysia border region through destination branding strategies based on economic and cross-border tourism potential. Border areas are no longer viewed merely as administrative and security zones, but also as strategic spaces for trade, tourism, cultural interaction, and regional economic growth. This study uses a library research method with a qualitative descriptive approach by analyzing scientific literature, policy documents, and previous studies related to place branding, destination branding, cross-border tourism, borderland development, and regional economic transformation. The findings show that the Indonesia–Malaysia border region has strong potential to be developed as a competitive economic and tourism destination through the utilization of Border Crossing Posts, local superior products, cultural heritage, natural attractions, and cross-border community mobility. However, this potential has not been fully integrated into a coherent destination branding strategy. Therefore, branding must be understood not merely as a promotional tool, but as a regional transformation instrument that connects local identity, economic activities, tourism experiences, digital promotion, and collaborative governance. The study concludes that an integrated branding strategy can strengthen the image of border areas as productive, safe, inclusive, and attractive destinations for tourists, investors, and business actors. This research contributes conceptually to the development of border destination branding studies and practically to policy formulation for sustainable economic and tourism development in the Indonesia–Malaysia border region.
PENGEMBANGAN EKONOMI WILAYAH PERBATASAN INDONESIA–MALAYSIA MELALUI PERDAGANGAN LINTAS BATAS DAN KAWASAN EKONOMI KHUSUS
This study examines the economic development of the Indonesia–Malaysia border region through cross-border trade and the development of Special Economic Zones. Border areas are no longer viewed merely as administrative and security boundaries, but as strategic economic spaces with strong potential to support regional connectivity, local economic growth, investment, logistics, and ASEAN economic integration. This research uses a library-based research method, reviewing academic literature, policy documents, institutional reports, and previous studies on border trade, border governance, regional economic cooperation, and Special Economic Zones. The findings show that cross-border trade plays an important role in supporting the livelihoods of border communities, facilitating the movement of goods, strengthening local markets, and improving community welfare. However, its development still faces several challenges, including limited infrastructure, regulatory differences, weak institutional coordination, informal trade practices, and limited capacity of local economic actors. The study also finds that Special Economic Zones can function as strategic instruments to transform border areas into centers of investment, industrial processing, logistics, exports, and value-added production. Therefore, cross-border trade and Special Economic Zones should not be treated as separate policies, but as complementary instruments for border economic development. This study highlights the need for policy harmonization, infrastructure improvement, SME empowerment, digital trade facilitation, and stronger bilateral cooperation between Indonesia and Malaysia. The study concludes that an integrated, collaborative development model is essential to transforming the Indonesia–Malaysia border region into an inclusive, competitive, and sustainable economic growth area.
ANALISIS EFEKTIVITAS SISTEM RECEIVING DAN STOREKEEPING DALAM MENDUKUNG PENGENDALIAN INTERNAL PERSEDIAAN PADA HOTEL MERCURE
This study aims to analyze the effectiveness of receiving and storekeeping systems in supporting internal inventory control at Mercure Hotel. The method used is a descriptive qualitative approach with data collection techniques through observation and documentation. The results show that both systems have been operating very effectively, with an effectiveness level above 90%. The receiving system demonstrates good performance through the conformity of goods with purchase orders, completeness of documents, and high recording accuracy. The verification process carried out carefully is able to minimize errors and potential fraud from the initial stage of receiving goods.Meanwhile, the storekeeping system also shows high effectiveness, indicated by stock accuracy and minimal discrepancies between system data and physical conditions. The implementation of the FIFO method, proper warehouse layout management, and strict supervision are the main supporting factors. The integration between receiving and storekeeping systems creates a systematic, transparent, and accountable inventory management flow. In addition, information technology support further enhances efficiency and data reliability. Overall, these two systems contribute significantly to operational efficiency and internal inventory control of the hotel.
PENGARUH SOCIAL MEDIA MARKETING, BRAND IMAGE, DAN BRANDTRUST TERHADAP REPURCHASE INTENTION (Studi pada Pelanggan Brotzeit Bali Bakery)
The increasing competition in the bakery industry requires companies to develop effective social media marketing, establish a strong brand image, and enhance brand trust to encourage customers’ repurchase intention. The decline in sales experienced by Brotzeit Bali Bakery indicates problems related to factors influencing customers’ repurchase intention, thereby highlighting the need for further research.This study aims to analyze the influence of social media marketing, brand image, and brand trust on repurchase intention among Brotzeit Bali Bakery customers. This research employed a quantitative approach involving 160 respondents who were customers of Brotzeit Bali Bakery. The sampling technique used purposive sampling. Data were collected through questionnaires measured using a Likert scale to capture respondents’ perceptions of the research variables. The data analysis techniques included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and coefficient of determination.The results indicate that social media marketing, brand image, and brand trust have a positive and significant effect on repurchase intention among Brotzeit Bali Bakery customers, both partially and simultaneously. Therefore, these three variables are important factors in increasing customers’ repurchase intention at Brotzeit Bali Bakery.The implications of this study suggest that Brotzeit Bali Bakery should optimize creative and interactive social media marketing, maintain consistent product quality to strengthen brand image, and improve service and brand credibility to build brand trust. These integrated strategies are expected to enhance customers’ repurchase intention at Brotzeit Bali Bakery and support the sustainability of the company’s sales performance.
PERSEPSI PENGGUNA TERHADAP PEMANFAATAN ARTIFICIAL INTELLIGENCE DALAM PENGAMBILAN KEPUTUSAN BISNIS PADA UMKM DI KOTA SAMARINDA
The development of digital technology, particularly Artificial Intelligence (AI), has driven transformation in the micro, small, and medium enterprise (MSME) sector, particularly in supporting more effective, data-driven business decision-making. This study aims to analyze user perceptions of the use of AI in business decision-making among MSMEs in Samarinda City. The method used was a qualitative approach, with data collection through in-depth interviews with three MSME informants selected using purposive sampling. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The results indicate that MSMEs' perceptions of AI tend to be positive, although levels of understanding vary. AI is considered beneficial in increasing efficiency, marketing effectiveness, and decision- making accuracy. However, several barriers exist, such as limited digital literacy, cost, and lack of technical understanding, requiring support to optimize its utilization.
THE IMPACT OF THE DIGITAL ECONOMY ON THE GROWTH OF SMES AND THE LABOUR MARKET STRUCTURE IN INDONESIA
The digital economy has become a key transformative force in the Indonesian economy, with growth reaching 8.6% and a contribution of 8.4% to GDP in 2024. This study aims to analyse the impact of the digital economy on the growth of SMEs and the labour market structure in Indonesia using a literature review method with a descriptive qualitative approach. The results indicate that the digital economy has a significant positive impact on SME growth, with 70% of SME operators experiencing an increase in revenue of up to 30% after joining the digital ecosystem, and SME growth reaching 83% by 2024. Digitalisation opens up broader market access, improves operational efficiency by reducing marketing costs by up to 42.68%, and provides access to alternative financing through P2P lending fintech platforms, which have channelled Rp37.9 trillion to SMEs. However, the digital transformation of SMEs still faces challenges, including low technology adoption (only 24–26%), low digital literacy (only 18% possess basic digital skills), and limited internet infrastructure (76.8% penetration). In terms of the labour market structure, the digital economy created 4.2 million direct jobs and 15.7 million indirect jobs in 2023, projected to rise to 6.5 million and 22 million by 2025, although 83 million jobs are predicted to be lost due to automation by 2025. The gig economy offers flexibility to 86.6 million workers (59.40% of the total workforce), yet it also creates economic uncertainty, with 28.4% of gig workers labouring 13–14 hours a day without adequate social protection. The digital skills gap remains a major obstacle, with only 1% of the workforce possessing advanced-level skills against a target of 50%. The study recommends strengthening vocational education curricula, implementing mass reskilling and upskilling programmes for 5 million digital talents by 2026–2030, developing equitable digital infrastructure, strengthening regulations to protect gig workers, and providing incentives for SMEs to undergo digital transformation.
PENGARUH KETIDAKAMANAN KERJA DAN STRES KERJA TERHADAP INTENSI KELUAR KARYAWAN PT. PADASA ENAM UTAMA MEDAN
This study aims to examine the influence of job insecurity and job stress on employee turnover intentions at PT. Padasa Enam Utama Medan. This is a quantitative study with a descriptive approach. The population in this study was all employees working at PT. Padasa Enam Utama Medan. The sampling technique used the purposive sampling method. The sample in this study consisted of 85 respondents. The data used in this study were primary data collected through a direct questionnaire survey. The results of the study, using multiple linear regression analysis, indicate that job insecurity and job stress have a positive and significant effect on turnover intentions. Based on the SPSS output, the RS-square value is 0.708 or R2 x 100% of 70.8%. This means that the independent variables in this study contribute significantly to explaining employee turnover intentions at PT. Padasa Enam Utama Medan, with the remaining 29.2% influenced by factors outside this study. In other words, there are still other independent variables that influence turnover intentions.
EKONOMI DIGITAL, UMKM, DAN TRANSFORMASI PASAR KERJA: STUDI KONTEKSTUAL DI INDONESIA
This study aims to analyze the role of the digital economy in the growth of Micro, Small, and Medium Enterprises (MSMEs) and the transformation of labor market structures in Indonesia. The rapid development of digital technology has significantly changed economic activities, business models, and employment patterns in modern society. MSMEs, as the backbone of the Indonesian economy, are increasingly integrated into the digital ecosystem through e-commerce, fintech, digital marketing, and online platforms. However, the acceleration of digital transformation also creates challenges related to digital inequality, workforce adaptation, and skills mismatch in the labor market. This research employs a qualitative approach using the library research method, examining scientific literature, Scopus-indexed journals, books, policy documents, and relevant reports on the digital economy, MSMEs, and employment transformation. The findings indicate that the digital economy positively contributes to MSME productivity, market expansion, business innovation, and economic competitiveness. Furthermore, digital transformation encourages the emergence of new technology-based occupations and more flexible work patterns. Nevertheless, the study also reveals that limited digital literacy, unequal technological infrastructure, and low workforce readiness remain major obstacles in maximizing the benefits of the digital economy. Therefore, inclusive policies that focus on improving digital literacy, developing workforce skills, expanding infrastructure, and enabling sustainable MSME digitalization are essential to ensure equitable and sustainable economic growth in Indonesia.
ANALISIS TINGKAT KEPUASAN KARYAWAN TERHADAP FASILITAS GEDUNG BARU DI PT KUKAR MANDIRI SHIPYARD
The physical work environment operates as a fundamental determinant of employee satisfaction, psychological well-being, and organizational productivity, particularly within the high-stakes sectors of heavy manufacturing and maritime logistics. This exhaustive study evaluates the level of employee satisfaction regarding the newly renovated head office building facilities at PT Kukar Mandiri Shipyard, a leading maritime enterprise located at Jl. Mulawarman No. 10, Samarinda, East Kalimantan. Utilizing a quantitative descriptive approach, primary data was meticulously collected through a structured questionnaire administered to 19 administrative and structural employees across vital departments, including Finance, Purchasing, Accounting, and Administration. The empirical results demonstrate a highly positive overall perception of the new physical infrastructure. Indicators such as building cleanliness, spatial arrangement, ergonomic lighting, and physical security achieved near-perfect mean scores (ranging from 4.89 to 4.95 on a 5-point Likert scale). Nevertheless, a critical vulnerability was identified concerning the air circulation and ventilation indicator, which recorded the lowest mean score (4.21) alongside the highest statistical variance. This specific deficiency indicates a decline in Indoor Air Quality (IAQ), potentially exacerbated by the necessity to seal the building against external urban air pollution and traffic emissions. The comprehensive analysis confirms that the optimization of physical facilities significantly elevates perceived comfort, work enthusiasm, and self-reported productivity, perfectly aligning with Herzberg’s Two-Factor Theory wherein hygiene factors effectively neutralize workplace dissatisfaction. Strategic recommendations are directed towards mitigating indoor air quality impediments to secure long-term employee retention and optimize human capital sustainability.
SOCIOECONOMIC DYNAMICS AND WILLINGNESS TO PAY FOR WATER SUBSCRIPTION DECISIONS IN PEKANBARU
High quality drinking water is an essential need for public health and welfare. In Pekanbaru city, clean water supply efforts through the Pekanbaru-Kampar. Drinking Water Supply System (SPAM) which continues to be developed by local government to meet the needs of water suitable for consumption. However, public interest, particularly among potential customers, in SPAM services still varies. This research aims to analyze the socio-economic dynamics of the community and their relationship with willingness to pay (WTP) on the decision to subscribe to water services provided by the Drinking Water Company (PAM) Pekanbaru City. The background of this research is based on the low penetration rate of household clean water services despite the increasing need for access to potable water. Using a qualitative approach and case study method, data was collected through in-depth interviews, observations, and documentation of residents from various socioeconomic backgrounds in the Pekanbaru-Kampar SPAM service area. The results of the research indicate that factors such as household income, education level, perception of service quality, previous experience with water services, and social norms in the surrounding environment significantly influence the community's decision to subscribe. In addition, it was found that willingness to pay is not only influenced by financial capability but also by trust in the service provider institution and perceptions of the value of water as a public necessity. This research recommends community-based approaches and increased service transparency as strategies to enhance customer participation. This research is expected to contribute to the development of more inclusive and equitable clean water policies and promote sustainable development in the public service sector.
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DISRUPSI EKOSISTEM OTOMOTIF JEPANG DI INDONESIA: ANALISIS STRATEGI SENTRALISASI DAN PENETAPAN HARGA AGRESIF BYDDALAM TRANSISI EV
For decades, Indonesia's automotive industry has been dominated by a Japanese production ecosystem built upon long-term partnerships between Original Equipment Manufacturers (OEMs) and local suppliers. However, the recent entry of BYD—a Chinese electric vehicle (EV) manufacturer—has disrupted this well-established structure through its centralized supply chain strategy and aggressive pricing. This study aims to analyze the strategic impact of BYD’s business model on the Japanese automotive ecosystem in Indonesia, and to identify the key challenges within the broader context of the country’s EV transition.This research adopts a descriptive qualitative case study approach, utilizing semi-structured interviews with seven informants from Tier 1 and Tier 2 supplier companies serving Japanese OEMs. The data were analyzed using thematic analysis to identify recurring patterns in the experiences and perceptions of industry actors regarding the presence of BYD.Findings reveal that BYD’s centralized approach has weakened the involvement and bargaining power of local suppliers, creating structural tensions within the supply chain. Furthermore, despite offering competitive prices, BYD faces several long-term challenges in Indonesia, including inadequate charging infrastructure, safety concerns related to battery reliability, high total cost of ownership (TCO), and consumer skepticism about product quality. This study contributes to a deeper understanding of industrial disruption in developing countries and provides a foundation for developing adaptive strategies and inclusive industrial policies.
STRATEGI PEMASARAN DAN DIGITALISASI PADA USAHA GROSIR LOKASI TIDAK STRATEGIS : WARUNG BUDE
Wholesale businesses play an important role in the distribution of goods, but not all wholesalers are in strategic locations. Some of them operate in hidden places such as alleys, which makes it difficult for consumers to access and reduces business visibility. This condition has an impact on decreasing the number of customers, limited market reach, and less than optimal business growth. In facing these challenges, the right marketing strategy and adoption of digitalization are potential solutions to increase competitiveness. Digitalization through social media, e-commerce platforms, and digital payments can help wholesale businesses reach a wider market, introduce products eflectively, and increase operational efficiency. Unfortunately, many wholesale business actors in non-strategic locations still rely on conventional methods and have not optimized digital potential. Therefore, research is needed to explore the right marketing and digitalization strategies for wholesale businesses in less strategic locations so that they can survive and thrive in this era of modern competition.
STRATEGI PEMASARAN DALAM MENINGKATKAN MINAT JAMAAH PADA ERA DIGITAL DI KOTA BUKITTINGGI(Studi Kasus Pada Layanan Haji dan Umrah PT Sutra Tour Hidayah dan Travel Umrah)
The purpose of this research is to address the suboptimal use of digital marketing as a promotional medium in the digital era. Additionally, PT Sutra Hidayah Tour and Umrah Travel in Bukittinggi lacks sufficient resources in the marketing department. The objective of this study is to analyze the marketing strategies implemented by PT Sutra Hidayah to enhance awareness among Umrah pilgrims. This research employs a descriptive qualitative method, including interviews, observations, and documentation, which are then evaluated using SWOT analysis. The purpose of this analysis is to recognize and determine marketing strategies and develop alternative strategies to increase public interest The survey found that PT Sutra Hidayah Tour has several advantages, including the implementation of well- structured SOPs, attractive Umrah packages, collaborations with communities, and promotions through social media. Opportunities that can be leveraged include technological advancements, marketing expansion, a strategic location, and a better understanding of the millennial generation. Additionally, there are risks, including intense competition and low public trust. The results of the SWOT matrix recommend prioritizing the SO (Strengths and Opportunities) strategy, which utilizes internal strengths while optimizing external opportunities.
PEMBERDAYAAN MASYARAKAT MELALUI WAKAF TERNAK AYAM BERDASARKAN ASPEK KELEMBAGAAN DAN MODAL SOSIAL PADA YAYASAN AL ISLAM KOTA PAYAKUMBUH
Community empowerment is an effort carried out through a series of activities to strengthen the empowerment of a weak group in society to achieve a better life. Community empowerment is seen through the institutional aspects of waqf, social capital and productive waqf. The aim of this research is to obtain evidence of community empowerment through chicken livestock waqf based on institutional aspects of waqf and social capital at the Al Islam Foundation in Payakumbuh City. This research uses quantitative methods with the type of field research. Researchers used primary data through observations and questionnaries with total sampling techniques. This research used 35 samples for questionnaires which were analyzed using the SEM – PLS method. The results obtained in this research are that institutions do not have a significant influence on productive waqf, while social capital has a significant influence on productive waqf. Waqf institutions have a significant influence on community empowerment and social capital has a significant influence on community empowerment. The influence of waqf institutions on community empowerment through productive waqf for chicken farming does not have a significant effect. The influence of social capital on community empowerment through productive chicken farming endowments does not have a significant effect. The influence of productive waqf on community empowerment does not have a significant effect.
PENGARUH PENGGUNAAN DAN PEMANFAATAN TEKNOLOGI INFORMASI TERHADAP EFEKTIVITAS SISTEM INFORMASI AKUNTANSI PADAPT PEGADAIAN (PERSERO) KANTOR CABANG DENPASAR
The development of information technology has led to a shift in the use of manual information systems to computer-based information systems that allow various activities to be carried out more quickly, precisely, and accurately. The purpose of this study is to empirically prove the influence of the use and utilization of information technology on the eflectiveness of accounting information systems. This research was conducted at PT Pegadaian (Persero) Denpasar Branch Office. This study uses a quantitative approach with multiple linear regression analysis techniques. The population in this study was 74 people, with a nonprobability sampling method, namely by purposive sampling technique, so that a sample of 55 samples was obtained. The results of this study indicate that the influence of the use and utilization of information technology has a positive eflect on the eflectiveness of accounting information systems. The coefficient of determination (Adjusted R Square) obtained was 0.708, meaning that a percentage of 70.8% of the eflectiveness variable of the accounting information system can be explained by the variable of the influence of the use and utilization of information technology, while the remaining 29.2% is explained by other variables that were not studied. The implications of the results of this study are able to provide suggestions or input for pawnshops, especially PT Pegadaian (Persero) Denpasar Information Branch Office, in an eflort to improve the eflectiveness of the accounting system by paying attention to the use of information technology in carrying out its operational activities, and increasing the use of good information technology for the company.
Use and Utilization of Information Technology
Eflectiveness of Accounting Information Systems
STRATEGI PEMASARAN DALAM MENINGKATKAN PEMBIAYAAN MITRA GUNA ONLINE DI BSI KCP LUBUK SIKAPING
Mitraguna is a product of Bank Syariah Indonesia KCP Lubuk Sikaping, an online financing service. On the other hand, not everyone in Lubuk Sikaping is keen on utilizing the Mitraguna online loan service. The fact that very few clients actually use Mitraguna's online financing is the main issue with this research. Among other things, this is because some clients still have plenty of money in their pockets and don't require the loan. The result is that the Mitraguna online finance goal is not met by BSI KCP Lubuk Sikaping. Qualitative research methodologies were used in this study. Data collecting approaches by conducting observations, interviews and documentation. This study's findings reveal that Bank Syariah Indonesia KCP Lubuk Sikaping's marketing strategy for their Mitraguna online financing product follows the 9Ps of marketing: product, price, place, promotion, people, physical evidence, process, packaging, and public relations). Challenges include: 1) the community's lack of familiarity with Islamic banks and online partner funding, and 2) the necessity of going via Bank Syariah Indonesia's payroll system.
IMPLEMENTASI MANAJEMEN RISIKO DALAM MENGATASI PERMASALAHAN PEMBIAYAAN MURABAHAH DI BMT AL-HIJRAH BUKITTINGGI
The problem studied in this study is about the implementation of risk management in dealing with problematic murabahah financing at BMT Al-Hijrah Bukittinggi. The purpose of this study is to analyze the implementation of risk management in overcoming problematic murabahah financing at the institution. This type of research is classified as Descriptive Qualitative Research. Descriptive Qualitative Research is recognized as one type of research within the qualitative research category, where events and phenomena from individual lives are studied, and one or a group of people are asked to share their life experiences. In this approach, data is collected through methods of observation, interviews, and documentation. Data analysis is conducted in three main phases: data reduction, data presentation, and drawing conclusions. The results of this study indicate that the implementation of risk management in Murabahah financing at BMT Al Hijrah Bukittinggi has been carried out effectively. This is evidenced by the determination of requirements when financing is submitted and the implementation of a structured risk management process. The first step taken involves risk identification, which is conducted by applying the 5C principle (Character, Capacity, Capital, Collateral, and Economic Condition) along with 3R (Rescheduling, Reconditioning, and Restructuring), adjusted to the conditions and characteristics, as well as Sharia rules that prohibit business activities contrary to the teachings of Allah and government regulations. The identification process is conducted through the examination of financing needs, direct observation in the field, and reference to applicable policies. Furthermore, risk measurement is performed by grouping the quality of financing, followed by risk monitoring through routine inspections. Risk control is implemented through various steps, such as intensive monitoring, the setting of financing limits, the avoidance of risky financing, debt collection, the sending of reminder letters, and the provision of advice to customers. Although this risk management is implemented well, the risk cannot be completely eliminated. Therefore, the importance of risk prevention efforts is strongly emphasized by BMT Al Hijrah through understanding, assessing, measuring, and managing risks according to their nature.
ANALISIS KINERJA KEUANGAN BANK BCA SYARIAH MENGGUNAKAN PENDEKATANISLAMICITY PERFORMANCE INDEX (PERIODE 2019-2023)
This study aims to analyze the financial performance of BCA Syariah banks using the Islamicity Performance Index approach for the 2019-2023 period. So far, the measurement of Islamic bank performance has focused more on indicators similar to conventional banks that assess in terms of financial performance alone. So that a more comprehensive approach is needed such as the Islamicity Performance Index, to assess bank performance from the aspects of justice, halalness, and social welfare in accordance with sharia principles. This study uses quantitative methods with a descriptive approach. This study uses five indicators of Islamicity Performance Index, namely Profit Sharing Ratio, Zakat Performance Ratio, Equitable Distribution Ratio, Islamic Investment vs Non Islamic Investment and Islamic Income vs Non Islamic Income. The population in this study is BCA Syariah bank. Sampling using purposive sampling method at BCA Syariah bank which is available in the Annual Report 2019- 2023. Based on the results of data analysis and discussion, the results showed that the financial performance of BCA Syariah bank for the 2019-2023 period using the Islamicity Performance Index approach showed overall results obtained a score of 4 with a good predicate. Profit Sharing Ratio shows a score of 4 with a good predicate, Zakat Performance Ratio shows a score of 1 with a bad predicate, Equitable Distribution Ratio shows a score of 1 with a bad predicate, Islamic Investment vs Non Islamic Investment shows a score of 5 with a very good predicate, and Islamic Income vs Non Islamic Income shows a score of 5 with a very good predicate.
ANALISIS PENILAIAN KINERJA KEUANGAN BANK UMUM SYARIAH (BUS) DENGAN PENDEKATAN ISLAMICITY PERFORMANCE INDEX PERIODE 2021-2023
This study aims to determine the financial performance of Islamic Commercial Banks with the islamicity performance index approach. The background of the author choosing this title is because the conventional approach that only focuses on financial ratios such as Return on Assets (ROA) and Return on Equity (ROE) is not sufficient to describe the overall performance of Islamic banks. A more comprehensive approach is needed, such as the Islamicity Performance Index, to assess other aspects of performance that are more in line with sharia principles. This research is a quantitative descriptive method. This study uses four indicators of islamicity performance index, namely profit sharing ratio, zakat performance ratio, islamic income vs non islamic income, and islamic investment vs non islamic investment. The population in this study was 13 Islamic commercial banks. Sampling using purposive sampling method at Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2021-2023 period. Based on the results of data analysis and discussion, the research results show that the financial performance of Islamic Commercial Banks for the 2021- 2023 period using the islamicity performance index approach shows the overall result of obtaining a score of 4 with a satisfactory predicate. Profit sharing ratio shows a score of 4 with a satisfactory predicate. For the zakat performance ratio, all banks still have a score of 1 with an unsatisfactory predicate. Islamic income vs non Islamic income, and Islamic investment vs non Islamic investment obtained a very satisfactory predicate, except Bank Mega Syariah obtained a score of 3 with a fairly satisfactory predicate on Islamic income vs non Islamic income. With this research, it can contribute to Islamic Commercial Banks to evaluate their performance which is still in the unsatisfactory category and maintain good performance.
ANALISIS DAMPAK KEPUASAN PELANGGAN DALAM HUBUNGAN ANTARA ORIENTASI PELAYANAN DAN KUALITAS PELAYANAN TERHADAP LOYALITASPELANGGAN PT TIKI CABANG MIMIKA
This study aims to determine and analyse the impact of customer satisfaction in the relationship between service orientation and service quality on customer satisfaction. To achieve this objective, an associative method was used, which is a method used to describe the relationship between one variable and another. The results of this study indicate that service orientation and service quality have a positive and significant influence on customer satisfaction. Similarly, service orientation and service quality have a positive and significant influence on customer loyalty. However, customer satisfaction does not have a significant influence on customer loyalty. Additionally, service orientation and service quality do not have a significant influence on customer loyalty through the mediation of customer satisfaction.
UANG DALAM DUA DUNIA: PRAKTIK DAN PEMAKNAAN DALAM EKONOMI KONVENSIONAL DAN ISLAM
Money is a fundamental element in the economic system that influences individual behavior, economic policy and social order. This article aims to compare the practice and meaning of money in conventional economics and Islamic economics. In conventional economics, money not only functions as a medium of exchange but also as a commodity that can be traded and speculated on, thus opening up space for usury practices and inequality in distribution. Meanwhile, Islamic economics views money as a medium of exchange that must be used productively and must not generate profits from the money itself. A descriptive qualitative approach is used through literature studies to examine the philosophical foundations and practical implications of the two systems. The results of the study show that Islamic economics emphasizes justice, balance and blessings in the use of money, in contrast to the materialistic approach in the conventional system
STRATEGI PEMASARAN PRODUK TABUNGAN EMAS di PT. PEGADAIAN UPC LUBUK SIKAPING
Marketing strategy will be very important because it is equally known that one of the goals of a business is to get many customers because it can increase the income of a business. The purpose of this study is to determine the marketing strategy of gold savings products of PT. Pegadaian UPC Lubuk Sikaping. In this writing, the research used is field research (field research) which is descriptive qualitative with data collection through observation, interviews and documentation. Researchers in this study tried to analyze the strategy used by PT. Pegadaian UPC Lubuk Sikaping in increasing the number of customers. The results of this study, PT. Pegadaian UPC Lubuk Sikaping in increasing the number of customers with the marketing strategy used, namely the Marketing Mix Strategy consisting of 7P, Product, Price, Place, Promotion, People, Process, and Physical Evidence.