Journal Research of Social Science, Economics, and Management
Journal Title: Journal of Research of Social Science, Economics, and Management E-ISSN : 2807-6311 P-ISSN : 2807-6494 DOI : 10.36418 Frequency : Monthly Indexing and Abstracting : Google Scholar, Dimensions - Road - Crossref - Garuda -- Scilit- Ebsco Publication Guidelines : COPE Guidelines Publisher : Publikasi Indonesia 1st Issues of Publication: 2021 Journal of Research of Social Science, Economics, and Management is an international interdisciplinary publication of original research and writing on social science, economic and management. This journal is can be accessed openly. Journal Research of Social Science, Economics, and Management provides a means for ongoing discussion of relevant issues that fall within the focus and scope of the journal that can be empirically examined. This journal publishing innovative theory-driven research papers in the selected areas of social sciences i.e., management and economics. Journal has become a member of Crossref (Prefix: 10.46799) with Online ISSN 2807-6311 and Print ISSN 2807-6494. Beginning with issue 1 of volume 1 (2021), this journal will be published monthly journal (12 issues/year) by Publikasi Indonesia.
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The Influence of Digital Marketing on Purchase Intention with Brand Image as an Intervening Variable
In the digital era, the rapid growth of internet use and social media has encouraged companies to adopt digital marketing strategies to influence consumer behavior and strengthen their competitive position. Digital marketing is considered an effective tool not only for delivering product information but also for shaping a positive brand image that may lead to higher purchase intention. This study examines the influence of digital marketing on purchase intention, positioning brand image as a mediating mechanism within the relationship. Drawing on contemporary digital consumer behavior perspectives, the research investigates how interactive and content-driven marketing activities shape consumers’ cognitive evaluations and behavioral intentions. A purposive sampling method was employed, involving 137 respondents residing in Semarang City who actively engage with digital platforms. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with WarpPLS 8.0 to assess both direct and indirect effects. The findings demonstrate that digital marketing significantly and positively affects brand image and purchase intention. Brand image also exerts a significant positive influence on purchase intention and partially mediates the relationship between digital marketing and purchase intention. These results suggest that digital marketing not only directly stimulates consumer buying intention but also operates indirectly by strengthening favorable brand perceptions. In conclusion, the results are useful for evaluating the implementation of digital marketing and brand image in increasing product purchase intention.
Copyright (c) 2026 Puteri Kamila https://creativecommons.org/licenses/by-sa/4.0
Management of the Village-Owned Enterprise (BUMDES) in Paliat Village, Kelua Subdistrict Tabalong Regency
BUMDes is supported by a solid legal foundation, one of which is (Law Number 6 of 2014) concerning Villages, which aims to accommodate the increase in village income through community economic activities. However, BUMDes Paliat Berkah faces various problems, such as limited business capital still sourced from the personal funds of the administrators, the absence of full-time operational workers, and low support, cooperation, and outreach to the community. This research aims to examine the management of BUMDes Paliat Berkah and identify factors that hinder and support its management. A qualitative approach with a qualitative descriptive type. Data collection techniques were carried out through interviews, observations, and documentation with the determination of informants using purposive of 12 people. The data were reviewed through the stages of data reduction, data presentation, and conclusion drawing. The results of the study indicate that the management of BUMDes Paliat Berkah is classified as quite good. The aspects of planning, organization, and control are not optimal, especially related to long-term planning, operational division of labor, and the monitoring system. The aspects of staff placement and motivation are quite good, although still hampered by limited human resources. Inhibiting factors include limited capital, low community participation, and the absence of permanent workers. Supporting factors include the ability of management to anticipate problems in traditional herbal medicine production and the division of tasks according to ability.
Copyright (c) 2026 Fakhri Fakhri, Siska Salmawati, Jumai Latte https://creativecommons.org/licenses/by-sa/4.0
The Effect of Digital Marketing Strategy, Brand Awareness, and Customer Satisfaction on Shopee Customer Loyalty in Batam with Customer Engagement as a Mediator
The rapid development of digital technology has transformed marketing strategies in Indonesia, especially in e-commerce. Shopee, as a leading e-commerce platform, employs digital marketing strategies to attract consumers and maintain their loyalty. However, to stay competitive, it is crucial to understand the factors influencing customer loyalty, such as brand awareness, customer satisfaction, and customer engagement. Analyze the impact of digital marketing strategies, brand awareness, and customer satisfaction on Shopee's customer loyalty. Examine the role of customer engagement as a mediating variable in these relationships. This study uses a quantitative approach with a causal design. The sample consists of 200 active Shopee users in Batam. Data was collected using a six-point Likert scale questionnaire and analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS-SEM). The results indicate that digital marketing strategies, brand awareness, and customer satisfaction positively influence customer loyalty and customer engagement. Customer engagement serves as a partial mediator in the relationship between these three variables and customer loyalty. The study concludes that factors like digital marketing strategies, brand awareness, and customer satisfaction influence customer loyalty, with customer engagement acting as a mediator that strengthens these effects.
Copyright (c) 2026 Warni Sarawasti Silitonga, Bambang Budhijana, Batara Maju Simatupang, Antyo Pracoyo https://creativecommons.org/licenses/by-sa/4.0
Digital Transformation of Tax Administration in the Big Data Era: An Analysis of Organizational Readiness, Cybersecurity, and Education Strategies Based on Global Best Practices
The digitization of tax administration has shifted from simply automating business processes to massive data integration known as Tax Administration 3.0. However, many tax authorities struggle with organizational unpreparedness, cybersecurity vulnerabilities, and low digital literacy among taxpayers. This research aims to analyze digital transformation strategies through three main pillars: organizational readiness, data security, and taxpayer education. Using a systematic literature review method and comparative analysis of best practices in Australia, Estonia, and the United Kingdom, this study synthesized findings from 45 academic articles, policy documents, and international reports published between 2015-2024. The study found that technological success relies heavily on changing organizational culture to data-driven, strengthening inclusive cyber architectures, and personalized educational strategies. The results of the literature synthesis recommend an integrated framework that aligns data protection regulations with the core tax system to ensure voluntary compliance in the digital economy era. This research provides a strategic framework for tax authorities to balance administrative efficiency with taxpayer data protection, ultimately supporting sustainable.
Copyright (c) 2026 Edi Purwanto https://creativecommons.org/licenses/by-sa/4.0
The Effect of Perceived Ease of Use and Perceived Usefulness on Customer Satisfaction Through Customer Trust in the Use of the Brimo Application at Bank BRI
Bank Rakyat Indonesia, through its BRImo application, has become one of the most widely used digital banking platforms in Indonesia. However, technology adoption is influenced not only by system quality but also by users’ perceptions of ease of use, usefulness, trust, and satisfaction. This study aims to examine the effects of Perceived Ease of Use (PEOU) and Perceived Usefulness (PU) on Customer Satisfaction (CS), with Customer Trust (CT) as a mediating variable in BRImo usage. This research employs a quantitative approach with a causal-comparative design and a purposive sampling technique. A total of 460 active BRImo users participated by completing a Likert-scale questionnaire. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The outer model results indicate that all indicators are valid and reliable, while the inner model demonstrates strong coefficients of determination for Customer Trust and Customer Satisfaction. The findings reveal that both PU and PEOU have positive and significant effects on Customer Satisfaction and Customer Trust. Furthermore, Customer Trust significantly influences Customer Satisfaction and mediates the relationships between PU, PEOU, and Customer Satisfaction. These results highlight the importance of perceived benefits, ease of use, and trust in shaping customer satisfaction in digital banking services. Theoretically, this study reinforces the integration of the Technology Acceptance Model with the trust construct. Practically, the findings provide strategic insights for BRI in enhancing the quality of the BRImo application and strengthening the user experience.
Copyright (c) 2026 Ageng Taufiq Hidayat, Herma Perdana Prasetyawan, Reza Cahya Dwiputra, Dewi Tamara https://creativecommons.org/licenses/by-sa/4.0
The Impact of the Unfit Housing Program (Rutilahu) on the Quality of Life of the Community Through the Promotion of Healthy Housing in Bekasi Regency
This study aims to analyze the impact of the Rumah Tidak Layak Huni (Rutilahu) program on the quality of life of the community through the improvement of healthy housing in Bekasi Regency. Using the World Health Organization Quality of Life–BREF (WHOQOL-BREF) approach, information was obtained on the effectiveness of housing renovations for uninhabitable houses from health, psychological, and social perspectives. This study conducted a comparative analysis between beneficiaries of the Rutilahu program and non-beneficiaries to evaluate the program’s actual impact on the community’s quality of life through improvements in healthy housing standards in Bekasi Regency. This study uses a qualitative method with a descriptive approach. Data were collected through observation, documentation, and in-depth interviews with six informants consisting of beneficiaries and non-beneficiaries of the Rutilahu program. The results of the study show that the renovation of uninhabitable houses has not made an optimal contribution to the development process and has not been effective in reducing the number of low-income residents or affecting the rate of population growth in Bekasi Regency. Analysis using the WHOQOL-BREF approach indicates that Rutilahu not only improves housing quality in terms of sanitation, ventilation, and structural safety but also has a positive impact on the quality of life of its beneficiaries.
Copyright (c) 2026 Abdul Latip, Husnul Fitri https://creativecommons.org/licenses/by-sa/4.0
Objectification of Women in the Film Women from Rote Island (2023)
Film as a cultural product functions not only as entertainment but also as a representational practice that constructs and reproduces social meanings. Women from Rote Island (2023) portrays women's experiences within an indigenous cultural context, particularly in relation to power relations, the female body, and gender-based violence. This study aims to analyze the representation of women in the film and the meanings constructed through its system of signs. This research adopts a constructivist paradigm with a qualitative descriptive approach. The method used was Roland Barthes' semiotic analysis, focusing on denotative, connotative, cultural–affective meanings, and myth. The research data consist of twelve film scenes selected purposively based on their relevance to issues of women's representation and gender relations. The analysis examines visual and narrative signifiers presented in these scenes. The findings reveal that at the denotative level, the film represents women's everyday life in an indigenous community as ordinary and natural. However, at the connotative level, women are constructed as vulnerable and subordinate subjects, while men are represented as socially authoritative actors. Cultural and affective dimensions reinforce this construction through the depiction of shame, fear, and resignation attached to female characters. At the level of myth, patriarchy and customary law are naturalized as legitimate social orders, positioning the objectification and violence against women as acceptable social consequences. This study concludes that Women from Rote Island not only reflects social reality but also actively reproduces patriarchal ideology through symbolic and affective representational practices.
Copyright (c) 2026 Jhosheline Jhosheline https://creativecommons.org/licenses/by-sa/4.0
Toward Digital Population Administration: A Qualitative Analysis of the Implementation of Digital Identity Policies in the Transformation of Population Services
The digital transformation of civil registration administration has become a key part of public service reform, particularly through the implementation of Digital Population Identity (IKD) to enhance service effectiveness, transparency, and accessibility. However, the implementation of IKD presents challenges related to organizational capacity, citizens' digital literacy, data security, and service acceptance at the user level. This study aims to analyze the implementation of IKD policy in civil registration services, identify its enabling and constraining factors, and examine its contribution to the dynamics of digital governance in civil administration. A qualitative approach with a case study strategy was used, focusing on civil registration services in a local Dukcapil office. Data were collected through semi-structured interviews, non-participant observation, and document analysis, and analyzed using reflexive thematic analysis to identify emerging patterns from the experiences of service officials and users. The findings reveal that IKD is seen as both a symbol of service modernization and a tool to accelerate administrative processes. However, its implementation heavily relies on the capacity of frontline officials to mediate technology, explain procedures, and solve operational issues. The practical benefits of IKD are mostly experienced by users with sufficient digital competence, while other groups face barriers such as access, device limitations, and hesitation to use digital services. Trust in IKD remains fragile due to concerns about data security, making service acceptance dependent on user interactions with officials and trust in public institutions.
Copyright (c) 2026 Fika Fibriyanita, Deli Anhar, Normajatun Normajatun, Riska Aulia Noor https://creativecommons.org/licenses/by-sa/4.0
Analyzing User Continuance Intention and Continuance Behavior of Wondr by BNI with Utaut2 Model
Digital transformation in the banking industry prompted BNI to launch Wondr by BNI in July 2024 as a replacement for its previous mobile banking application. Despite its advanced features, the application faces significant challenges in user adoption and user complaints regarding stability and functionality. This study aims to analyze the factors influencing continuance intention and continuance behavior of Wondr by BNI users, utilizing the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) framework. A quantitative approach was employed through an online survey of 379 Wondr users. The data were analyzed using multiple linear regression and the PROCESS macro. The results show that Performance Expectancy, Social Influence, Price Value, and Habit have a positive and significant influence on Continuance Usage Intention (CUI). In turn, Continuance Usage Behavior (CUB) is significantly influenced by Continuance Usage Intention (CUI), Facilitating Conditions (FC), and Habit (HT). Age was also found to moderate the relationship between Hedonic Motivation and CUI. These findings provide managerial implications for BNI to encourage users to download and continue using the app, which prioritizes application stability, implements age-segmented strategies, increases rewards and promotions, adds Quick Actions and Do Again features on the home screen, introduces Group features, incorporates gamification and marketing segmentation features for younger users, adds clear micro-guidance, and provides live customer service chat.
Copyright (c) 2026 Dania Samoda Renda, Anita Primaswari Widhiani, Febriantina Dewi https://creativecommons.org/licenses/by-sa/4.0
Analysis of the Impact of the 7p Marketing Mix on Patient Loyalty with the Moderating Variable of Hospital Brand Image (A Study at Anna Hospital and Anna Medika Hospital, Bekasi)
The transformation of the global healthcare sector has undergone a significant paradigm shift, where hospitals are no longer perceived solely as social institutions but also as business entities that must remain competitive in an increasingly intense market environment. Private hospitals are required not only to focus on clinical quality but also to implement effective marketing strategies capable of building sustainable patient loyalty. According to global health surveys, approximately 40%–60% of patients tend to switch to other hospitals, highlighting the importance of patient loyalty as a key determinant of business sustainability through quality service delivery. This study aims to analyze the effect of the 7P Marketing Mix (Product, Price, Place, Promotion, People, Process, and Physical Evidence) on patient loyalty, with Brand Image serving as a moderating variable at RS Anna and RS Anna Medika, Bekasi. A quantitative approach was employed using a survey method involving 155 inpatient and outpatient respondents covered by BPJS, insurance, and self-paying schemes. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that, in terms of direct effects, Product, Physical Evidence, and Brand Image have the most significant influence on patient loyalty. Meanwhile, Price, Place, People, Process, and Promotion do not show significant direct effects. Brand Image is proven to function as a moderating variable that strengthens the relationship between marketing mix elements and patient loyalty, particularly within the People dimension related to interpersonal service quality.
Copyright (c) 2026 Sri Rahayu Iriani, Sparta Sparta https://creativecommons.org/licenses/by-sa/4.0
Personality Dynamics and Work Fatigue on Employee Engagement and Its Implications for Turnover Intention (Survey on PT. SBCR)
This research is motivated by the increasing dynamics of human resource management which is characterized by high work demands, differences in employee personality characteristics, and the emergence of the phenomenon of work fatigue which has an impact on the level of employee involvement and the tendency of turnover intention. Company data shows fluctuating turnover rates, making it an important concern in employee retention strategies. This study aims to analyze the influence of personality and work fatigue on employee engagement and its implications on turnover intention. The research method used was a quantitative method with a survey approach. The data collection technique was carried out through the distribution of questionnaires to PT SBCR employees with certain sampling techniques. Data analysis uses validity, reliability, classical assumption tests, and hypothesis testing using linear regression. The results of the study showed that personality had a positive and significant effect on employee engagement, work fatigue did not have a significant effect on employee engagement, work fatigue had a positive effect on turnover intention, while employee engagement did not have a significant effect on turnover intention. In addition, employee engagement has not been shown to mediate the relationship between personality and work fatigue on turnover intention. The conclusion of this study shows the importance of managing employee psychological factors as an effort to reduce turnover intention in the organization.
Copyright (c) 2026 Hannum Maura Mediani Mahadi, Kartono Kartono https://creativecommons.org/licenses/by-sa/4.0
The Effect of Work Motivation, Organizational Commitment, and Leadership Style on Financial Management Accountability in Villages Moderated by Competency in Sikka Regency
Accountability in village financial management is a fundamental principle that must be implemented by village governments to ensure transparency and responsible use of public funds. However, various findings in Sikka Regency indicate weaknesses in financial administration, suggesting that internal organizational factors such as work motivation, organizational commitment, leadership style, and apparatus competency may influence the level of accountability. This study aims to analyze the effect of work motivation, organizational commitment, and leadership style on the accountability of village financial management, and to examine whether the competency of village apparatus moderates these relationships in Sikka Regency. The study employed a quantitative research approach using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data were collected from village government officials involved in the Village Financial Management Implementation Team (PPKD). The analysis was conducted using SmartPLS software to test the relationships between variables and the moderating effect of competency. The results show that work motivation, organizational commitment, and leadership style have a positive and significant effect on the accountability of village financial management. However, the competency of village apparatus does not moderate the relationship between these variables and financial management accountability. Organizational behavioral factors play an important role in improving accountability in village financial management. Strengthening motivation, commitment, and leadership quality among village officials is essential to promote transparent and responsible financial governance.
Copyright (c) 2026 Johanis W. Donbosko, Zulkifli Sultan, Juanda https://creativecommons.org/licenses/by-sa/4.0
An Analysis of the Phenomenon of Money Politics from a Political Communication Perspective in the 2024 Legislative Elections in Bandung City
This research is motivated by the persistent practice of money politics in the 2024 Legislative Election (Pileg) in Bandung City. Despite the implementation of regulations, such practices continue to occur with various patterns and strategies. The study aims to examine the process of money politics, the forms in which it is carried out, and the role of political communication in sustaining money politics during the 2024 Legislative Election in Bandung City. The research employed a qualitative case study approach within a constructivist paradigm. Data were collected through interviews, participant observation, and literature review. The findings reveal: (1) the process of money politics occurs through stages of voter mapping and targeting, distribution of money/goods during campaigns, and channeling through intermediaries; (2) money politics is carried out using money/goods due to its effectiveness and alignment with transactional political culture, through the construction of social facilities for image-building and long-term strategies, as well as social activities that utilize religious values and foster voter attachment; (3) political communication plays a role in shaping public opinion, reducing negative perceptions, and creating a positive image of candidates. Research on the phenomenon of money politics in the 2024 legislative elections in Bandung City shows that the practice of money politics is planned through voter mapping, incentive distribution, and channeling through intermediaries, with political communication that frames a narrative of concern and forms a positive image of the candidate to reduce public moral resistance.
Copyright (c) 2026 Syauqi Syauqi, Neni Yulianita https://creativecommons.org/licenses/by-sa/4.0
The Effect of Work Motivation and Physical Work Environment on the Performance of PT SBCR Employees
In the era of globalization and increasingly fierce business competition, high-quality human resources are crucial for achieving a company's objectives. PT SBCR requires employees with optimal performance to face the existing business challenges. Therefore, this study focuses on analyzing the influence of work motivation and physical work environment on employee performance. This study aims to analyze the impact of work motivation and the physical work environment on employee performance at PT SBCR. An associative causal method is used as a quantitative approach. The research population consists of 137 permanent employees of PT SBCR, with data collected through questionnaires using a 5-point Likert scale. Data analysis was performed using SPSS version 26. The study found that work motivation has a positive and significant impact on employee performance, with a significance value of 0.048 and a regression coefficient of 0.255. Additionally, the physical work environment has the most dominant effect on employee performance, with an F value of 500.912, a significance of 0.000, and a regression coefficient of 0.639. Improving employee performance will be most effective when work motivation and the physical work environment are managed integratively and holistically, supporting the achievement of sustainable competitive advantage for the company.
Copyright (c) 2026 Riska Febriyanti, Sunimah https://creativecommons.org/licenses/by-sa/4.0
The Effect of Digital Advertising and Consumer Trust on Customer Loyalty through Customer Satisfaction: A Case Study of GladToGlow Products in Cirebon City
The development of digital marketing in Indonesia encourages local beauty brands to utilize digital advertising as a key strategy in building long-term relationships with consumers. Increasingly fierce competition requires companies to not only increase brand exposure, but also build customer trust and satisfaction to create sustainable customer loyalty. This study aims to analyze the influence of digital advertising and consumer trust on customer loyalty through customer satisfaction as a mediating variable in GladToGlow products in Cirebon City. This study used a quantitative approach with an associative method. Data was collected through an online questionnaire using Google Form on 120 respondents who were users of GladToGlow products at least once in the last six months, using purposive sampling techniques. Data analysis was carried out using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the study show that digital advertising and consumer trust have a positive and significant effect on customer satisfaction and customer loyalty. In addition, customer satisfaction has been proven to play a role as a mediating variable that strengthens the influence of digital advertising and consumer trust on customer loyalty. An R-square value of 0.617 indicates that the model has moderate to strong explanatory abilities. These findings confirm the importance of the role of effective digital advertising and customer trust and satisfaction in building customer loyalty to local beauty brands.
Copyright (c) 2026 Eka Sanjaya, Yusuf https://creativecommons.org/licenses/by-sa/4.0
Analysis of Factors Affecting Mobile Banking Customer Loyalty in the Greater Jakarta Area
The rapid growth of mobile banking services requires banks to better understand the factors that shape customer loyalty in an increasingly competitive digital environment. This study aims to analyze the factors influencing customer loyalty in mobile banking services in the Jabodetabek area by considering perceived security, customer convenience, service quality, and perceived value, with customer satisfaction as a mediating variable. This research employed a quantitative approach using a survey method. Data were collected through an online questionnaire distributed to 451 mobile banking users and analyzed using SEM-PLS approach. The results indicate that customer convenience, service quality, and perceived value have a positive and significant effect on customer loyalty. Perceived security does not have a direct effect on customer loyalty, but it has a positive and significant effect on customer satisfaction. Furthermore, customer satisfaction has a positive and significant effect on customer loyalty and mediates the relationship between perceived security, customer convenience, service quality, and customer loyalty. However, customer satisfaction does not mediate the relationship between perceived value and customer loyalty. This study provides practical implications for banking institutions in developing strategies to enhance mobile banking customer loyalty through improved convenience, service quality, and overall customer experience management. Suggestions for future research include adding several variables, particularly trust, and expanding the scope of the study.
Copyright (c) 2026 Pualam Wahyu Ratiasasadara, Ferryal Abadi https://creativecommons.org/licenses/by-sa/4.0
The Role of Green Marketing Dimensions in Purchase Decisions and Brand Loyalty Among Millennial and Gen Z Consumers: A Study of Erigo
Sustainability issues are increasingly becoming a top agenda in global business, encouraging companies to integrate green marketing, which emphasizes environmentally friendly aspects in products, pricing, distribution, and promotion—especially to meet the preferences of younger generations who are increasingly concerned about ethical values and environmental responsibility in purchasing decisions. This research aims to analyze the influence of green marketing on purchase decisions and brand loyalty among Millennial and Generation Z consumers of the local fashion brand Erigo. This research employed a quantitative approach using a survey method. Data were collected through questionnaires and analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method. The results show that all dimensions of green marketing, including green product, green distribution, green price, and green promotion, have a significant effect on purchase decisions. Meanwhile, for brand loyalty, only green product, green distribution, and green price have a significant effect, while green promotion does not. These findings indicate that green marketing strategies play an important role in influencing consumers’ purchase decisions; however, brand loyalty is more strongly influenced by consumers’ direct experiences with the product, distribution, and price perception.
Copyright (c) 2026 Abhiyoga Deyandra Putra, Muchsin Saggaff Shihab https://creativecommons.org/licenses/by-sa/4.0
Analysis of the Influence of Credit Risk, Liquidity Risk, Interest Rates, and Inflation on Profitability at BPR Bank Bogor City
This study aims to analyze the influence of credit risk, liquidity risk, interest rates, and inflation on profitability in BPR Bank Kota Bogor. The dependent variables in this study are profitability proxied by Return on Assets (ROA), while the independent variables include Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), interest rates, and inflation. The type of research used is quantitative research with an associative approach. The data used was secondary data in the form of financial statements of BPR Bank Bogor City as well as macroeconomic data obtained from official institutions. The research data is in the form of a time series for the period January 2021 to September 2025 which is compiled in the form of monthly data using a trend-based interpolation approach from annual data. The analysis method used is multiple linear regression with the help of statistical software. The results showed that partially the variables of credit risk (NPL), liquidity risk (LDR), interest rate, and inflation did not have a significant effect on profitability (ROA). Simultaneously, the four independent variables also did not have a significant effect on profitability. The value of the determination coefficient shows that the ability of independent variables to explain variations in profitability is relatively low, so there are other factors outside the model that are more dominant in influencing the bank's profitability.
Copyright (c) 2026 Bhima Irsi Faliandri Irman, Cecep Taufiqurrahman https://creativecommons.org/licenses/by-sa/4.0
Cross-Border Supply Chain Finance Platform: Synergizing International Trade and Financial Strategy for Resilient Supply Chains in Southeast Asia
This study examines the development of a Cross-Border Supply Chain Finance Platform (CB-SCFP) that synergizes international trade mechanisms and financial strategies to strengthen regional resilience. The objective is to address persistent challenges of payment delays, liquidity shortages, and fragmented trade-finance linkages in ASEAN economies. Current debates on supply chain resilience tend to treat trade policy and financial strategy as separate domains, resulting in fragmented solutions. This paper addresses the research question: How can the integration of international trade and financial strategies through a digital finance platform enhance the resilience of Southeast Asia’s supply chains? The novelty of this study lies in introducing an integrated CB-SCFP model that combines trade facilitation, digital financing tools, and risk mitigation instruments across multiple ASEAN markets. Unlike prior studies focusing narrowly on trade agreements or financial hedging mechanisms, this research develops a unified conceptual and empirical framework linking trade flows with supply chain finance innovation. Methodologically, the study employs a qualitative-descriptive approach with triangulation. Data were gathered through 25 semi-structured interviews with exporters, importers, and financial practitioners in Indonesia, Malaysia, and Singapore, supported by policy analysis and secondary data from trade reports (2019-2024). A conceptual modeling technique was used to illustrate the structural components and operational functions of the CB-SCFP. The findings indicate that the CB-SCFP reduces average payment delays by 18%, enhances liquidity access for SMEs by 24%, and mitigates currency risk through automated hedging modules.
Copyright (c) 2026 Nazilatul Hidayah, Dr. Diyah Dumasari Siregar, Riko Priyanto, Imam Aldi Nugroho https://creativecommons.org/licenses/by-sa/4.0
Regional Elections Conducted by the Regional People’s Representative Council and the Shifting Meaning of People’s Sovereignty in Political Communication Analysis
This study examines the discourse on the election of regional heads by local legislatures and its implications for the shifting meaning of popular sovereignty in Indonesian democracy. The research is motivated by the reemergence of proposals for indirect local elections, which raise constitutional, sociological, and political debates. The research problem focused on how changes in the electoral mechanism affect the relationship between popular will, political legitimacy, and political communication practices. This study employs a qualitative approach through a literature review of academic works, legal regulations, and Constitutional Court decisions. The analysis applies Jean-Jacques Rousseau’s theory of popular sovereignty, Carole Pateman’s participatory democracy, and Dan Nimmo’s political communication theory. The findings indicate that elections conducted by local legislatures tend to strengthen elite-driven democracy, reduce direct citizen participation, and shift political legitimacy toward political elites. The study concludes that this transformation narrows the substantive meaning of popular sovereignty in local democratic practices.
Copyright (c) 2026 Wisnu Budiaji, Moh. Mahshun Al Fuadi https://creativecommons.org/licenses/by-sa/4.0
Administrative Warnings as an Environmental Prevention Instrument at the Urban Community Level
Environmental damage in urban areas is not always caused by large-scale environmental crimes, but often stems from repeated and neglected minor administrative violations. Administrative reprimands are one of the strategic initial instruments in preventing the escalation of environmental damage without having to resort to a criminal approach. This study aims to analyze the role and effectiveness of administrative reprimands as a community-based environmental prevention instrument at RT 8 RW 4 Malaka Jaya, East Jakarta. A normative juridical approach combined with a light empirical approach through field observation was employed. Data were collected through library research, non-participatory observation over two months (January-February 2025), and documentation. The findings show that verbal reprimands were effective in 83.3% of cases, while written reprimands were effective in 60% of cases. The dominant violations were improper waste disposal (48.9%), open waste burning (17.0%), and neglected waterway cleanliness (14.9%). Key success factors include social closeness between RT administrators and residents, a persuasive and familial approach, consistent application, collective agreements, and community supervision. However, normative gaps were identified in legal legitimacy, documentation systems, and capacity building for RT administrators. This study confirms that administrative reprimands have significant preventive value if supported by community participation. Strengthening written guidelines, documentation systems, and legal capacity for RT administrators is recommended.
Copyright (c) 2026 Taufiq Supriadi, Nico Nico, Dianty Savitri, Naufal Afra Munis https://creativecommons.org/licenses/by-sa/4.0
The Impact of Workplace Violence and Work-Related Stress on Employee Performance at PT. Multisarana Gitatama
Workplace violence and job stress are significant factors affecting employee performance. Violence, both verbal and non-verbal, disrupts employees' well-being and productivity, while job stress, stemming from workload, poor conditions, and lack of support, contributes to decreased efficiency and job satisfaction. This study aims to examine the impact of workplace violence and job stress on employee performance at PT. Multisarana Gitatama. A quantitative approach was used, with data collected through surveys from employees. The relationships between workplace violence, job stress, and employee performance were analyzed using multiple linear regression. The findings show that both workplace violence and job stress significantly affect employee performance. Verbal abuse negatively impacts focus and motivation, while job stress reduces overall work efficiency. Interestingly, job stress also serves as a motivator for some employees, highlighting its complex nature. Workplace violence and job stress significantly reduce employee performance. Organizations must address these issues by fostering a supportive environment, implementing stress management strategies, and enforcing policies to prevent and manage violence. Further research is needed to explore these relationships in more depth.
Copyright (c) 2026 Vynnie Fauzia https://creativecommons.org/licenses/by-sa/4.0
The Effect of Stock Trading Volume, Inflation, Rupiah Exchange Rate, and Interest Rates on the Composite Stock Price Index (IHSG) 2022-2024
The dynamics of the capital market in the post-pandemic era have become increasingly complex, influenced by both macroeconomic conditions and market activity. In Indonesia, fluctuations in the Composite Stock Price Index (IHSG)reflect changes in market liquidity and price stability, making it essential to understand the role of key economic indicators. This study aims to analyze the effect of stock trading volume, inflation, the Rupiah exchange rate, and interest rates on the movement of the Composite Stock Price Index (IHSG) during the period January 2022 to December 2024. This research employs a quantitative approach using monthly secondary data consisting of 36 observations obtained from the Indonesia Stock Exchange, Bank Indonesia, and the Central Statistics Agency. Data analysis was conducted using multiple linear regression, supported by classical assumption tests to ensure the validity of the model. The results of the study indicate that stock trading volume has a positive and significant impact on the Composite Stock Price Index (IHSG). Conversely, inflation has a negative and significant impact on the index. However, the Rupiah exchange rate and interest rates did not show a significant partial impact on the movement of the Composite Stock Price Index (IHSG) during the study period. In conclusion, the movement of the Indonesian stock market in the post-pandemic period is primarily influenced by liquidity and inflation stability. These findings highlight the importance of maintaining stable economic conditions and active market participation to support sustainable capital market growth.
Copyright (c) 2026 Fiqih Fareza Kusbari, Noval Adib https://creativecommons.org/licenses/by-sa/4.0
Identifying Students’ Learning Styles in English Language Education
In the context of rapid educational development, understanding students’ learning styles has become increasingly important for improving the effectiveness of English language teaching, particularly in English as a Foreign Language (EFL) setting where exposure to the language is limited. This research investigates the learning style preferences of EFL students in the English Education Program at Universitas Esa Unggul. The study was motivated by the fact that many students are not fully aware of their own learning styles, which may influence the effectiveness of their English language learning. Using a descriptive qualitative method, data were collected from 10 participants through questionnaires and interviews based on the VARK framework (Visual, Auditory, Read/Write, and Kinesthetic). The findings revealed that students demonstrated varied preferences across the four categories, with some showing a dominant single style and others displaying multimodal tendencies by combining two or more styles. These results indicate that identifying students’ learning styles can provide valuable insights for improving teaching strategies in EFL classrooms. The study contributes to learner-centered English language education by encouraging teachers to integrate diverse instructional methods that address different learning preferences.
Copyright (c) 2026 Veamas Wahyu Saputra, Hardianti Hardianti https://creativecommons.org/licenses/by-sa/4.0
Strengthening Competency-Based Human Resource Training and Development Systems (A Study of the Kartika Job Training Institute)
Human resources (HR) are seen as a key factor in determining the success of an organization, including job training institutions which have a strategic function in preparing a competent workforce ready to enter the world of work. This study aims to analyze the strengthening of a competency-based training and human resource development system at Kartika Bawen Training Center (LPK Kartika-Bawen). The research focuses on how the training system is designed, implemented, and evaluated to support the achievement of trainees’ competencies in accordance with the Indonesian National Work Competency Standards (SKKNI). A descriptive qualitative approach was employed to obtain an in-depth and contextual understanding of actual training practices, existing challenges, and sustainable strengthening strategies. Data were collected through in-depth interviews, direct observation, and document analysis involving purposively selected informants, including institutional leaders, instructors, administrative staff, and training participants. The findings indicate that although the training system at LPK Kartika Bawen has referred to SKKNI, its implementation has not been fully optimized. Key challenges include limited instructor competence in utilizing learning technologies, infrequent curriculum updates, predominantly conventional learning methods, inadequate training facilities, and the absence of a comprehensive training evaluation system. This study recommends an integrated approach to strengthening the training system through continuous development of internal human resources, curriculum renewal, learning method innovation, modernization of training facilities, and the application of the four-level Kirkpatrick evaluation model to enhance graduates’ competency relevance and workforce competitiveness in a sustainable manner.
Copyright (c) 2026 Efitahati Duha, Idah Kusuma Dewi https://creativecommons.org/licenses/by-sa/4.0
The Effect of Convenience, Trust, and Security on Purchasing Decisions Through Tokopedia (A Case Study of Tokopedia Users in Cirebon City)
The rapid development of technology in e-commerce in Indonesia has intensified competition among platforms, highlighting the importance of understanding the factors that influence consumers’ purchasing decisions. This study aims to analyze how convenience, trust, and security affect the purchasing decisions of Tokopedia users, particularly in Cirebon City. The research employed a quantitative approach with an associative method. Data were collected using a questionnaire distributed via Google Forms to 170 respondents who had made at least one purchase on Tokopedia within the past six months. A purposive sampling technique was used in this study. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the SmartPLS application. The results indicate that convenience, trust, and security have a positive and significant effect on purchasing decisions, both partially and simultaneously, with an R² value of 0.646, indicating that 64.6% of the variance in purchasing decisions can be explained by these three variables. It can therefore be concluded that convenience, trust, and security have a positive and significant influence on the purchasing decisions of Tokopedia users in Cirebon City, both partially and simultaneously.
Copyright (c) 2026 Billy Chrisdino, Yusuf Yusuf https://creativecommons.org/licenses/by-sa/4.0
The Effect of Price, Customer Reviews, and Online Merchandising on Customer Loyalty with Purchase Intention as an Intervening Variable at Nusantara Medika Jaya Store in Samarinda
This research aims to analyze the influence of price, online customer reviews, and online merchandising on customer loyalty, with purchase intention as an intervening variable at the Nusantara Medika Jaya Store in Samarinda on the Shopee platform. The population in this study consists of all consumers who have visited or transacted at the Nusantara Medika Jaya Store via Shopee within the last six months. The sampling technique employed was non-probability sampling with a purposive sampling approach, resulting in 211 respondents. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The results of the study indicate that out of the ten hypotheses tested, four were accepted and six were rejected. The main findings show that online merchandising has a positive and significant effect on purchase intention, and purchase intention has a positive and significant effect on customer loyalty. Furthermore, purchase intention is proven to mediate the influence of online merchandising on customer loyalty. Price was found to have a positive and significant direct effect on customer loyalty but did not significantly influence purchase intention. On the other hand, online customer reviews were not proven to have a significant influence on either purchase intention or customer loyalty within this research model. These results confirm that online merchandising is the primary driver of purchase intention, while price serves as a direct determining factor in building long-term customer loyalty at the Nusantara Medika Jaya Store in Samarinda.
Copyright (c) 2026 Eka Yudhyani, Aliyah Aghitsni, Ivana Barus, Titin Ruliana, Sunarto Sunarto https://creativecommons.org/licenses/by-sa/4.0
Strategies for Implementing Telemedicine to Improve the Quality of Healthcare Services: A Literature Review
Telemedicine, the use of communication technology to provide remote health services, has emerged as a transformative innovation in modern healthcare. This study aims to analyze the impact of telemedicine on healthcare service quality and identify strategies for its effective implementation. A literature review method was employed, sourcing articles from Google Scholar, PubMed, and ScienceDirect databases using keywords including "telemedicine," "telehealth," "quality of healthcare services," and "patient satisfaction." Inclusion criteria were articles published in the last 5-10 years, full-text availability, relevance to telemedicine and service quality, and publication in Indonesian or English. Exclusion criteria included opinion/editorial articles, irrelevant content, and duplicate publications. Ten articles meeting all criteria were analyzed using qualitative descriptive analysis. The findings demonstrate that telemedicine improves service access, reduces costs and waiting times, and achieves patient satisfaction levels comparable to face-to-face services. Telemedicine effectively supports diagnostic and patient follow-up processes. However, implementation faces significant obstacles including limited infrastructure (internet and electricity), regulatory and legal barriers, data security concerns, low digital literacy, and technology access inequality. This study concludes that telemedicine is an effective solution for improving healthcare quality and access, but successful implementation requires comprehensive strategies addressing infrastructure, regulatory frameworks, and digital literacy enhancement. The practical implications suggest that healthcare policymakers should prioritize telemedicine integration while systematically addressing existing barriers.
Copyright (c) 2026 Yohanes Baptistuta Paser https://creativecommons.org/licenses/by-sa/4.0
The Effect of Digital Leadership Style, Compensation, and Employee Engagement on Employee Loyalty Through the Performance of Generation Z Employees at Sinar Mas Insurance
This research aims to examine and analyze the direct influence of digital leadership style, compensation, and employee engagement on employee performance, as well as their influence on employee loyalty through performance as a mediating variable among Generation Z employees at PT Asuransi Sinar Mas. The research variables consist of Digital Leadership Style, Compensation, and Employee Engagement as independent variables, Employee Loyalty as the dependent variable, and Employee Performance as the mediating variable. The research method used is a quantitative descriptive approach with an explanatory design. Primary data were collected through questionnaires from 200 Generation Z employee respondents selected using a convenience sampling technique. The research stages include validity testing, reliability testing, classical assumption testing (multicollinearity, heteroscedasticity, and normality), and data analysis using path analysis with the SPSS program. The results of the study indicate that digital leadership style, compensation, and employee engagement simultaneously and partially have a positive and significant effect on employee performance. In addition, employee performance is empirically proven to play a significant role in linking the three independent variables to employee loyalty. Employee engagement was found to be the most dominant driver of loyalty. As managerial advice, companies should continue strengthening their digital leadership ecosystem and investing in psychological well-being programs to enhance employee retention. Furthermore, management is advised to implement an open recruitment system to remain competitive and transparent, mitigate the risk of young talent turnover, and optimize productivity to foster long-term loyalty.
Copyright (c) 2026 Herlita Sanawati Lingga, Fermico Karambut, Batara Maju Simatupang, Vidiyanna Rizal Putri https://creativecommons.org/licenses/by-sa/4.0