Jurnal Ekonomi dan Bisnis | E-ISSN: 3021-8365 adalah jurnal yang menerbitkan hasil penelitian, baik kajian teori maupun lapangan, baik secara umum maupun secara khusus yang berkaitan dengan bidang ekonomi dan bisnis.
ANALISIS PENGARUH PENGANGGURAN DAN KEMISKINAN TERHADAP KRIMINALITAS DI KABUPATEN MIMIKA
This study aims to determine the influence of unemployment and poverty on crime in Mimika Regency. This is an associative study employing data collection techniques such as documentation and literature review. The data analysis tool used in this study is the Granger causality test, which is used to examine the causal or reciprocal relationship between the two research variables so that it can be determined whether the two variables statistically influence each other (a two-way or reciprocal relationship), have a unidirectional relationship, or have no relationship at all (do not influence each other). The results of the analysis indicate that unemployment and poverty do not have a causal relationship with crime. Based on the research findings, an increase in unemployment and poverty does not affect crime itself, and vice versa.
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PENGARUH JUMLAH KUNJUNGAN WISATAWAN TERHADAP PENDAPATAN ASLI DAERAH PROVINSI BALI TAHUN 2004-2022
Tourism has a role that pivotal function in driving regional economic growth, particularly in Bali Province, which heavily relies on this sector as its primary source of income. Current research examines the effect of international also domestic tourist arrivals on the Regional Original Revenue (Pendapatan Asli Daerah/PAD) of Bali Province over the period 2004-2022. Using a quantitative approach with secondary data from the Bali Provincial Statistics Agency (BPS), current research employs multiple linear regression observation to assess the influence of tourist arrivals on four PAD components: regional taxes, regional levies (retribusi), state-owned enterprise (BUMD) revenue, and other legitimate regional income. Results indicate that domestic tourist arrivals consistently exert a positive then significant effect across all PAD components, while international tourist arrivals exhibit a negative coefficient for most components, reflecting a tendency to use international-brand facilities and digital booking platforms whose revenues are not fully captured in the regional tax system. Simultaneously, both tourist variables significantly influence PAD. These findings underscore the importance of strengthening local tourism governance, optimizing the levy system, and developing strategic policies to maximize the fiscal contribution of international tourists to regional revenue.
STRATEGI DIGITAL MARKETING DALAM MENINGKATKAN DAYA SAING UMKM KULINER DI KOTA SAMARINDA KALIMANTAN TIMUR
The development of digital technology has brought about significant changes in the business world, including within the culinary Micro, Small and Medium Enterprises (MSMEs) sector. Digital marketing has become an effective marketing strategy in helping MSMEs enhance their business competitiveness and reach a wider consumer base. This study aims to analyse digital marketing strategies among culinary MSMEs in the city of Samarinda. The research employs a qualitative descriptive approach, utilising data collection techniques such as observation, documentation, and literature review. The findings indicate that culinary MSMEs in Samarinda utilise social media platforms such as Instagram, TikTok, and WhatsApp Business as digital promotional tools. Marketing strategies are implemented through content marketing, online promotions, the use of attractive product visuals, and active interaction with consumers. The use of digital marketing is considered capable of increasing brand awareness, expanding marketing reach, and boosting consumer interest in culinary products. Thus, digital marketing strategies play a vital role in supporting the development of culinary SMEs in Samarinda
DAMPAK ARTIFICIAL INTELLIGENCE TERHADAP TRANSFORMASI BISNIS ARSITEKTUR: STRATEGI MANAJEMEN ADAPTIF DI INDONESIA (A SYSTEMATIC LITERATURE REVIEW)
This study analyzes the development and application of Artificial Intelligence (AI) in architectural practice, its implications for business model transformation and work systems, and adaptive management strategies relevant to architectural firms in Indonesia. The research employs a Systematic Literature Review (SLR) following the PRISMA protocol. Articles were retrieved from Scopus, Web of Science, IEEE Xplore, and ScienceDirect using Boolean combinations of keywords related to AI, architecture, AEC industry, BIM, generative design, digital twin, business model, and digital transformation. The review focuses on peer-reviewed publications from 2021 to 2025. From an initial pool of 456 articles, 20 articles were selected through a rigorous multi-stage screening process for in-depth analysis. The findings indicate that AI is increasingly integrated into architectural design through generative design, building performance optimization, and data-driven decision support systems. In project management, AI is closely connected with BIM, digital twin, 4D simulation, IoT, and predictive analytics. A critical synthesis of the literature reveals consensus on AI's capacity to improve efficiency and transform professional roles, alongside notable contradictions regarding the threat versus empowerment of architects and the feasibility of AI adoption in resource-limited contexts. These developments encourage architectural firms to shift from conventional design services toward data-driven, performance-based, and technology-enabled services such as building performance simulation, lifecycle cost analysis, and smart facility management. However, implementation in Indonesia remains constrained by uneven digital capability among human resources, limited infrastructure, fragmented project data, investment barriers, and the absence of comprehensive implementation guidelines. Therefore, adaptive management strategies are required, encompassing digital upskilling, phased technology integration, collaborative ecosystems, value-based innovation, and ethical governance of AI use.
ANALISIS PERKEMBANGAN EKONOMI SYARIAH DI INDONESIA TERHADAP STABILITAS SISTEM KEUANGAN NASIONAL
This study aims to analyze the development of the Islamic economy in Indonesia and its contribution to the stability of the national financial system. The method used is library research with a descriptive qualitative approach through literature reviews from scientific journals, reports published by Bank Indonesia (BI), the Financial Services Authority (OJK), and other related academic publications. The results of the study indicate that the Islamic economy in Indonesia has experienced significant growth, marked by the increase in Islamic banking assets, the development of sukuk, and the improvement of Islamic financial literacy. In addition, the Islamic economy contributes to financial system stability through its interest-free principles, real-sector-based transactions, and profit-and-loss sharing system, which is considered more moderate toward financial risks. Therefore, the Islamic economy plays an important role in supporting the stability of the national financial system amid global economic dynamics.
STRATEGI PENGEMBANGAN SUMBER DAYA MANUSIA (SDM) DALAM MENINGKATKAN PELAYANAN JAMAAH LANSIA PADA PENYELENGGARAAN IBADAH HAJI KHUSUS (PIHK)
The increasing number of elderly Hajj pilgrims in Indonesia requires more professional and humane services in the implementation of special Hajj services. This study aims to analyze human resource (HR) development strategies in improving services for elderly pilgrims at the Special Hajj Organizers (PIHK). The research method used is library research with a descriptive qualitative approach. Data were obtained from books, scientific journals, government regulations, and previous studies relevant to HR development and elderly pilgrim services. The results of the study indicate that HR development strategies are carried out through elderly-friendly service training, improvement of officers’ technical and emotional competencies, performance evaluation, strengthening interpersonal communication, and utilization of information technology in pilgrim services. Sustainable HR development is able to improve service quality, comfort, safety, and satisfaction of elderly pilgrims during the Hajj pilgrimage. Therefore, PIHK needs to optimize HR development so that services for elderly pilgrims can run effectively, professionally, and in accordance with pilgrims’ needs.
ANALISIS IMPLEMENTASI KEBIJAKAN KUOTA JEMAAH HAJI PASCA PERPINDAHAN KEMENTERIAN AGAMA KE KEMENTERIAN HAJI DAN UMRAH
Changes in the governance of Hajj management through the establishment of the Ministry of Hajj and Umrah represent part of the Indonesian government’s bureaucratic reform aimed at improving the quality of religious public services. This study aims to analyze the implementation of Hajj quota policy following the transfer of authority from the Ministry of Religious Affairs to the Ministry of Hajj and Umrah. The research employs a library research method with a qualitative descriptive approach. Data were obtained through literature studies, including scientific journals, regulations, government documents, and academic articles related to Hajj management in Indonesia. The findings indicate that institutional reform has brought positive impacts, such as improved service professionalism, greater transparency in quota distribution, digitalization of administrative systems, and strengthened bureaucratic coordination. However, the implementation of the policy still faces various challenges, including quota limitations set by the Government of Saudi Arabia, bureaucratic transition issues, weak oversight mechanisms, and the potential for abuse of authority in quota distribution. The study concludes that institutional reform is a strategic step in improving Hajj governance; however, its success largely depends on effective supervision, digital system integration, and consistent application of good governance principles.
ANALISIS KONSEP DASAR PENGANTAR AKUNTANSI DALAM DUNIA BISNIS
Accounting plays an important role in the modern business world as an information system that provides accurate, relevant, and reliable financial data to support economic decision-making. This study aims to analyze the basic concepts of introductory accounting and its role in supporting business management in the modern era. The research method used is a qualitative approach with a literature research design (library research). Data were obtained through literature studies from various sources such as books, scientific journals, and relevant academic documents, and then analyzed using content analysis techniques. The results of the study show that introductory accounting includes basic concepts that serve as the foundation for financial recording and reporting processes, namely the economic entity concept, going concern concept, accounting period concept, monetary unit concept, and double-entry system. In addition, this study explains the stages of the accounting cycle, which include identifying transactions, recording in journals, posting to the general ledger, preparing a trial balance, and preparing financial statements. Introductory accounting also plays a role as a basis for decision-making, a financial control tool, a means of accountability, a support for business technology development, and an enhancer of corporate financial transparency.
PENGARUH SOCIAL MEDIA MARKETING, CONTENT MARKETING DAN BRAND IMAGE TERHADAP REPURCHASE INTENTION (STUDI PADA PELANGGAN UMKM COMEL BUCKET DENPASAR)
The development of digital marketing encourages business actors, including SMEs, to utilize various marketing strategies to retain customers and increase repeat purchases. This study aims to analyze the influence of Social Media Marketing, Content Marketing, and Brand Image on Repurchase Intention (Study on customers of Comel Bucket SMEs in Denpasar). The method used is a quantitative approach with non-probability sampling technique through purposive sampling of 112 respondents who are customers of Comel Bucket SMEs. Data were collected using questionnaires and analyzed through descriptive statistical analysis as well as multiple linier regression analysis with the help of IBM SPSS Statistics software. The research results indicate that social media marketing, content marketing, and brand image have a positive and significant influence on repurchase intention. The theoretical implication of this research is to strengthen the development of theory in the field of marketing management, especially concerning social media marketing, content marketing, and brand image, which have a positive significant impact on shaping customer perceptions of repurchase intention, as well as reinforcing the Theory of Planned Behaviour in the digital marketing context. The practical implication is to provide input for Comel Bucket SMEs in designing marketing strategies focused on enhancing social media marketing, content marketing, and brand image to drive customer repurchase intention.
STRATEGI PEMASARAN HAJI DAN UMRAH DALAM PERSPEKTIF MARKETING SYARIAH
This study aims to analyze Hajj and Umrah marketing strategies from the perspective of Sharia marketing. The increasingly competitive Hajj and Umrah travel industry requires travel agencies to implement marketing strategies that are effective, professional, and aligned with Islamic values. This research employed a qualitative method using a library research approach through the analysis of various journals, books, and relevant scientific sources. The findings indicate that Sharia marketing strategies in the Hajj and Umrah business emphasize the values of honesty, trustworthiness, transparency, excellent service, and the utilization of digital media as promotional tools. The implementation of Sharia marketing is capable of increasing pilgrims’ trust, customer loyalty, and the positive image of Hajj and Umrah travel agencies. Furthermore, Sharia-based marketing strategies provide solutions for facing the challenges of modern business competition while maintaining Islamic ethical values.
ANALISIS DETERMINAN KESEJAHTERAAN MASYARAKAT DI KABUPATEN/KOTA PROVINSI MALUKU UTARA
Community welfare is an important indicator that can be used to assess the success of regional development. The level of community welfare is influenced by various economic and social factors such as Gross Regional Domestic Product (GRDP), income disparity, unemployment, investment, and regional government capital expenditure. North Maluku Province is one of the regions that has experienced rapid economic development in recent years, particularly due to the increasing industrial activities and investment. However, the increase in economic activities does not necessarily reflect an equal improvement in community welfare across all regencies and municipalities. This study aims to analyze the effect of GRDP, income disparity, unemployment, investment, and capital expenditure on community welfare in the regencies and municipalities of North Maluku Province during the period 2019–2023. The analytical method used in this study is a quantitative analysis with a panel data approach using the Fixed Effect Model (FEM). The results show that simultaneously GRDP, income disparity, unemployment, investment, and capital expenditure have a significant effect on community welfare in the regencies and municipalities of North Maluku Province during the study period. Partially, GRDP and income disparity have a positive but insignificant effect on community welfare. Meanwhile, investment and capital expenditure have a positive and significant effect on community welfare, while unemployment has a negative and significant effect on community welfare in the regencies and municipalities of North Maluku Province. Based on these findings, local governments are expected to improve the quality of economic growth through the optimization of investment and more effective allocation of capital expenditure, as well as expanding employment opportunities in order to enhance community welfare more evenly.
OPTIMALISASI STRATEGI SEGMENTASI, TARGETING, DAN POSITIONING DALAM MENINGKATKAN DAYA SAING BISNIS MODERN
Penelitian ini bertujuan untuk menganalisis optimalisasi strategi Segmentasi, Targeting, dan Positioning (STP) dalam meningkatkan daya saing bisnis modern di era digital. Perkembangan teknologi informasi, perubahan perilaku konsumen, serta meningkatnya persaingan bisnis menyebabkan perusahaan perlu menerapkan strategi pemasaran yang lebih adaptif, berbasis data, dan berorientasi pada kebutuhan pelanggan. Penelitian ini menggunakan pendekatan kualitatif dengan metode library research melalui analisis berbagai artikel jurnal bereputasi, buku akademik, dan laporan ilmiah yang relevan pada periode 2020–2025. Teknik analisis data dilakukan secara deskriptif-analitis dan thematic analysis untuk mengidentifikasi pola, tren, serta perkembangan strategi STP dalam konteks pemasaran modern. Hasil penelitian menunjukkan bahwa strategi STP tetap menjadi fondasi utama dalam pemasaran strategis, namun mengalami transformasi signifikan akibat digitalisasi bisnis. Segmentasi pasar berkembang dari pendekatan konvensional menuju segmentasi berbasis perilaku digital dan customer analytics. Strategi targeting menjadi lebih efektif melalui pemanfaatan artificial intelligence, big data, dan media sosial, sedangkan positioning merek semakin dipengaruhi oleh pengalaman pelanggan dan interaksi digital. Penelitian ini juga menemukan bahwa optimalisasi strategi STP mampu meningkatkan customer engagement, loyalitas pelanggan, efektivitas pemasaran, dan keunggulan kompetitif perusahaan. Penelitian ini memberikan kontribusi teoritis dengan mengintegrasikan konsep STP dengan digital marketing dan perilaku konsumen digital dalam konteks bisnis modern. Secara praktis, penelitian ini menjadi referensi bagi perusahaan dalam merancang strategi pemasaran yang lebih inovatif, personal, dan berkelanjutan di tengah dinamika ekonomi digital.
ANALISIS PROSPEK USAHA KEMASAN TELUR (EGG TRAY) DI KOTA TIMIKA
This study aims to analyze the business prospects of the egg packaging industry in Timika City. The research method used is descriptive. Data collection techniques included in-depth interviews with egg farmers, used cardboard collectors, and officials from the Mimika Regency Livestock and Industry Office. The data analysis instrument used was the Milles and Hubberman model. The results of the study indicate that there is significant business potential due to the abundant availability of cardboard raw materials and the high demand for packaging from local farmers. The wide-open market opportunities serve as the primary supporting factor for the growth of this business. Based on these findings, it can be concluded that the egg packaging business in Mimika Regency has promising prospects and the potential to generate economic benefits for business operators.
DISPARITAS PEMBANGUNAN REGIONAL DALAM ERA DESENTRALISASI FISKAL: TINJAUAN LITERATUR TENTANG KONVERGENSI EKONOMI DAN EFEKTIVITAS INVESTASI PUBLIK DI INDONESIA
This study aims to examine regional development disparities in the era of fiscal decentralization through a systematic literature review focusing on economic convergence and the effectiveness of public investment in Indonesia. Fiscal decentralization is theoretically expected to promote equitable development by enhancing local government capacity in resource allocation. However, empirical evidence indicates that regional inequality remains persistent, driven by disparities in fiscal capacity, institutional quality, and uneven distribution of public investment. This study employs a library research approach by analyzing recent scholarly articles indexed in reputable databases over the last five years (2020–2025). The findings reveal that fiscal decentralization in Indonesia has produced mixed outcomes. While some regions demonstrate signs of β-convergence, overall regional disparities remain high, indicating the absence of consistent σ-convergence. Structural factors such as infrastructure gaps, market accessibility, and human capital inequality play significant roles in shaping these outcomes. Furthermore, public investment is identified as a crucial mediating variable in the relationship between fiscal decentralization and economic convergence. The effectiveness of such investment largely depends on governance quality, planning efficiency, and equitable allocation across regions. This study contributes to the literature by integrating fiscal decentralization, economic convergence, and public investment into a comprehensive analytical framework. It highlights the importance of strengthening institutional capacity and implementing equitable fiscal policies to achieve inclusive regional development. The findings have important policy implications for designing more effective decentralization strategies to reduce regional disparities and support sustainable economic growth in Indonesia.
REKONFIGURASI STRATEGI PEMASARAN DIGITAL: DARI KONTEN BERBASIS AI MENUJU BRANDING AUTENTIK DALAM ERA KOMUNITAS MIKRO DAN SOCIAL COMMERCE 2.0
This study examines the reconfiguration of digital marketing strategies from AI-generated content toward authentic branding in the era of micro-communities and Social Commerce 2.0. The rapid advancement of artificial intelligence has enabled firms to produce content efficiently, personalize communication, and optimize marketing performance. However, the dominance of AI-driven content raises concerns regarding declining authenticity, reduced emotional engagement, and weakening brand trust among consumers. In parallel, the emergence of micro-communities has shifted consumer behavior toward trust-based interactions, where authenticity and shared values play central roles in shaping purchasing decisions and brand perceptions. This research adopts a library research approach by systematically reviewing recent scholarly literature indexed in Scopus (2020–2025). The analysis focuses on three key dimensions: artificial intelligence in marketing, authentic branding, and brand equity within social commerce ecosystems. Through qualitative content analysis, this study synthesizes theoretical perspectives and empirical findings to develop an integrated conceptual understanding of the evolving digital marketing landscape. The findings reveal that while AI enhances efficiency and scalability, it cannot fully substitute for authenticity in building long-term brand equity. Authentic branding—characterized by transparency, consistency, and emotional resonance—emerges as a critical determinant of consumer trust and engagement. Furthermore, micro-communities serve as influential platforms that amplify authentic brand narratives and reinforce consumer loyalty. The study highlights the need for a balanced strategy that positions AI as an enabler while maintaining a human-centered approach to marketing. This research contributes to the literature by bridging the gap between technology-driven and human-centric marketing paradigms. It offers practical implications for businesses to integrate AI capabilities with authentic brand values in order to remain competitive and relevant in the evolving digital ecosystem.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN PEMBELIAN PRODUK MULIA ULTIMATE DI PT PEGADAIAN CABANG TIMIKA
The aim of this study is to analyse: (1) the effect of price on purchasing decisions, (2) the effect of ease of access on purchasing decisions, (3) the effect of promotions on purchasing decisions, and (4) the simultaneous effect of price, ease of access, and promotions on purchasing decisions. The data collection method used in this study was a questionnaire. Data analysis was conducted quantitatively using SPSS version 25. The results of this study are as follows: (1) Price has a positive and significant influence on purchasing decisions, indicating that consumers perceive the price to be reasonable and commensurate with product quality; (2) Ease of access also contributes significantly to purchasing decisions, reflecting that consumers find it easy to obtain information and make product purchases; (3) Promotion plays an important role in influencing purchasing decisions, indicating that attractive and clear promotional strategies can increase consumer interest in purchasing. (4) Simultaneously, price, ease of access, and promotion demonstrate that the combination of these three variables has a significant influence on purchasing decisions.
REGULASI AI DALAM PASAR MODAL DIGITAL: TANTANGAN HUKUM TERHADAP ALGORITMA TRADING OTOMATIS, MANIPULASI PASAR, DAN PERLINDUNGAN INVESTOR RITEL
The artificial intelligence (AI) revolution has fundamentally transformed the digital capital markets, shifting trading mechanisms from human interaction towards an ecosystem dominated by high-speed automated trading algorithms. However, the integration of this technology presents complex legal challenges that have not yet been accommodated by conventional regulatory frameworks, particularly regarding the accountability of autonomous systems, the detection of algorithmic market manipulation, and the protection of retail investors from structural information asymmetry. This study employs a literature review method with a legal-normative approach to analyse regulatory gaps concerning AI in the Indonesian capital market. The findings reveal that existing provisions in Law No. 8 of 1995 on the Capital Market and OJK regulations are generic; they do not define technical parameters of AI-based manipulation such as spoofing, layering, and quote stuffing, and they obscure the attribution of legal liability in the event of systemic incidents caused by autonomous algorithms. Retail investors, who account for 85 per cent of all investors in the Indonesian capital market, face serious vulnerabilities due to temporal asymmetry, the exploitation of cognitive biases through dark patterns, and the absence of mandatory Explainable AI (XAI) mechanisms. This study recommends the adoption of a risk-based regulation approach that classifies AI systems according to risk level, obligations regarding algorithmic transparency and periodic independent audits, strengthening of supervisory capacity based on Regulatory Technology (RegTech), and cross-jurisdictional regulatory harmonisation to address cross-border manipulation. This comprehensive reform is an absolute prerequisite for establishing fair, accountable, and sustainable AI governance, ensuring that technological innovation does not compromise market integrity and the fundamental rights of retail investors within Indonesia’s digital capital market ecosystem.
DIGITALISASI SISTEM PEMBAYARAN DAN RISIKO HUKUM AI DALAM DETEKSI FRAUD: KEPASTIAN HUKUM BAGI PELAKU USAHA DAN KONSUMEN DALAM EKONOMI FINANSIAL TEKNOLOGI
The digitisation of payment systems has been a fundamental catalyst in the transformation of Indonesia’s fintech economy, shifting the transaction paradigm from cash-based transactions towards a nationally integrated cashless ecosystem (cashless society). However, the accelerated adoption of this technology presents complex legal risks that have not yet been fully accommodated within the regulatory framework, particularly regarding the use of artificial intelligence (AI) in fraud detection, which has the potential to cause algorithmic bias, detection errors (false positives/negatives), and uncertainty regarding legal liability. This study aims to analyse two main dimensions: first, the digital transformation of payment systems within the fintech economy and its legal implications; second, the legal risks of using AI in fraud detection and its impact on legal certainty for businesses and consumers. The research method employed is normative legal research using a literature review approach (library research), focusing on the analysis of primary, secondary, and tertiary legal materials. The research findings indicate that the absence of specific regulations regarding AI liability creates a legal grey area that is detrimental to both businesses and consumers, hinders innovation, and has the potential to erode public trust in the fintech ecosystem. Legal certainty can only be achieved through regulatory harmonisation that adopts the principle of risk-proportionate oversight, mandatory periodic algorithm audits, the implementation of explainable AI (XAI) standards, and rapid compensation mechanisms for victims of detection errors. This study recommends strengthening the legal framework for AI in the fintech sector through collaboration between regulators, the adoption of international best practices, and the improvement of public digital literacy to ensure that the digital transformation of payment systems proceeds in a sustainable, fair, and beneficial manner for all stakeholders.
TANGGUNG JAWAB HUKUM ALGORITMA AI DALAM TRANSAKSI EKONOMI DIGITAL: ANALISIS YURIDIS TERHADAP WANPRESTASI OTOMATIS DAN PERLINDUNGAN KONSUMEN DI PLATFORM E-COMMERCE
The development of artificial intelligence (AI) in digital economic transactions has given rise to a new legal phenomenon known as ‘automatic breach of contract’, namely the failure to fulfil contractual obligations resulting from algorithmic decisions without direct human intervention. This study aims to analyse the legal liability of AI algorithms in e-commerce transactions and the effectiveness of consumer protection against risks posed by AI-based automated systems. Employing a normative legal research method with a literature review approach, this study analyses Indonesian legislation, legal doctrine, and relevant literature. The findings indicate that legal liability for automatic breach of contract remains with the e-commerce platform operator as the operator of an electronic system under Law No. 19 of 2016 on Information and Electronic Transactions in conjunction with Government Regulation No. 71 of 2019, with the application of the principle of strict liability (strict liability) analogous to Article 1367 of the Civil Code. However, consumer protection remains hampered by a lack of specific regulations regarding algorithmic transparency, evidentiary mechanisms, and the accountability of automated systems, leaving consumers vulnerable to price discrimination, behavioural manipulation, and data privacy breaches. This study recommends comprehensive regulatory updates through amendments to Law No. 8 of 1999 on Consumer Protection or a dedicated AI regulation establishing obligations regarding transparency, independent algorithmic audits, the reversal of the burden of proof, and the strengthening of consumer protection agencies’ capacity to ensure justice and legal certainty within Indonesia’s digital economy ecosystem.
TRANSFORMASI MANAJEMEN SDM DI ERA AI: STRATEGI UPSKILLING, KESEJAHTERAAN HOLISTIK, DAN KEPEMIMPINAN DIGITAL UNTUK MENINGKATKAN KETAHANAN ORGANISASI
The transformation of human resource (HR) management in the era of artificial intelligence (AI) has become a strategic imperative for organisations seeking to maintain resilience and competitiveness amidst increasingly widespread technological disruption. This article aims to outline HR transformation strategies through the integration of three key pillars: adaptive upskilling, holistic well-being, and digital leadership. The research method employed is qualitative, utilising a literature review approach. The findings indicate that AI-based upskilling strategies enable the precise identification of competency gaps and personalised learning, thereby enhancing the effectiveness of talent development. Holistic well-being, which integrates physical, mental, emotional, social, and financial dimensions, has been proven to foster psychological safety and employees’ adaptive capacity in the face of uncertainty. Digital leadership acts as a catalyst bridging technological potential with the realisation of organisational resilience through the creation of a culture of continuous learning and ethical human-AI collaboration. The synergy of these three elements forms a virtuous cycle that continuously strengthens organisational resilience. This article concludes that organisational resilience in the AI era is no longer determined by technological infrastructure alone, but by the quality of human capital and the leadership that manages it strategically and humanely.
ETIKA BISNIS ISLAM DALAM PERSPEKTIF FIKIH MUAMALAH
Islamic business ethics refers to a set of moral principles derived from Islamic teachings that guide business conduct in accordance with Sharia law. From the perspective of fiqh muamalah, business activities are not solely profit-oriented but must also uphold justice, honesty, and social responsibility. This study aims to examine Islamic business ethics based on the principles of fiqh muamalah and its application in modern business practices. The research employs a qualitative approach through literature review.The findings indicate that Islamic business ethics emphasize key principles such as honesty (shiddiq), trustworthiness (amanah), justice ('adl), and social responsibility. Furthermore, Islam strictly prohibits business practices involving riba (usury), gharar (uncertainty), and maysir (gambling/speculation). The implementation of these ethical values is believed to contribute to a fair and sustainable economic system.
TRANSFORMASI DIGITAL UANG DAN EFEKTIVITAS TRANSMISI KEBIJAKAN MONETER DALAM SISTEM PERBANKAN HYBRID: TINJAUAN SISTEMATIS LITERATUR
The digital transformation of money has shifted the paradigm of global monetary architecture from a system based on conventional bank intermediation towards a hybrid financial ecosystem that integrates Central Bank Digital Currency (CBDC), real-time digital payments, and non-bank fintech platforms. This structural shift challenges the effectiveness of traditional monetary policy transmission mechanisms, which have long relied on interest rate, credit, and exchange rate channels via commercial banks. This article aims to critically examine the impact of the digital transformation of money on the effectiveness of monetary policy transmission within the context of a hybrid banking system through a systematic literature review. The research findings identify two main conclusions: (1) the digitalisation of money accelerates the speed of policy interest rate pass-through through increased digital competition, price transparency, and payment channel efficiency, whilst simultaneously introducing risks of liquidity volatility and commercial banking disintermediation that may weaken transmission stability; (2) the effectiveness of transmission within hybrid systems is highly heterogeneous across jurisdictions, depending on the maturity of digital infrastructure, the design of the CBDC architecture, levels of financial literacy, and the regulatory framework coordinating monetary authorities with technology regulators. Thus, there is no universal model for optimising monetary transmission in the digital age; each country requires a contextual approach that balances innovation with prudence, efficiency with inclusion, and policy precision with systemic stability. Recommended policy implications include designing CBDCs with tiered remuneration features, expanding access to emergency liquidity facilities for systemic non-bank institutions, strengthening inter-authority coordination, and significant investment in cyber resilience and digital financial literacy. This research contributes to the literature on digital monetary economics by providing the first comprehensive synthesis integrating perspectives on CBDCs, digital payment systems, and hybrid banking dynamics within a coherent analytical framework.
ANALISIS PENGARUH BEBAN KERJA, MANAJERIAL DAN LINGKUNGAN KERJA TERHADAP KINERJA PENDIDIK DI SEKOLAH DASAR KATOLIK SANTA MARIA
This study aims to analyse the influence of workload, managerial factors and the working environment on the performance of teachers at Santa Maria Catholic Primary School in Timika. The research method employed is an associative method using a quantitative approach. The research population comprised all teaching staff at Santa Maria Catholic Primary School, and the sampling technique employed a census method. Data were collected via questionnaires, observations, and documentation, and subsequently analysed using multiple linear regression with the aid of SPSS to test the influence of each variable both simultaneously and partially. The results of the study indicate that workload has a positive and significant influence on teachers’ performance. Meanwhile, the headteacher’s managerial style has a positive and significant effect on teachers’ performance, and the work environment has a positive and significant effect on teachers’ performance. Simultaneously, these three independent variables make a significant contribution to improving teachers’ performance.
ANALISIS PENGARUH DIRECT MARKETING DAN DIGITAL MARKETING TERHADAP KEPUTUSAN PEMBELIAN PADA DS GALLERY
This study aims to analyze the effect of direct marketing and digital marketing on consumer purchasing decisions at DS Gallery. The research method used is an associative method with a quantitative approach. Data collection techniques were carried out through the distribution of questionnaires to respondents, which were then analyzed using multiple linear regression with the assistance of SPSS software. The results of the study indicate that direct marketing has a positive and significant effect on purchasing decisions. Similarly, digital marketing also shows a positive and significant influence. These findings suggest that both direct marketing and digital marketing strategies need to be continuously optimized to enhance consumers' purchasing power toward DS Gallery products.
PENGARUH GAYA KEPEMIMPINAN TRANSFORMASIONAL, KOMUNIKASI DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN PADA PT. CORT INDONESIA BAGIAN GUDANG PRODUKSI PAUL REED SMITH
This study aims to analyze the effect of transformational leadership style, communication and work discipline on employee performance at PT. Cort Indonesia Production Warehouse Section Paul Reed Smith. The place of this research is in the Bonded Zone of Ngoro Industri Persada, lot G number 5-6, Ngoro District, Mojokerto Regency. The time of research April – June 2022. This research used data sampling from 60 employees through questionnaires. The type of data used is quantitative. In this research, the t test showed that the Transformational Leadership Style variable has a partial effect on Y with the regression coefficient value of the Transformational Leadership Style (X1) of 0.027, the regression coefficient value of Communication (X2) of 0.013, and the regression coefficient value of Work Discipline (X3) of 0.001, thus each variable X has a positive and significant effect on variable Y. While the F test obtained f count > f table is 2.985 > 2.75 so it can be concluded that the independent variable Transformational Leadership Style (X1), Communication (X2), Work Discipline (X3) has a simultaneous and significant effect on the Employee Performance variable (Y). This research is expected to be a consideration for developing better employee performance than before. In addition, this research is expected to be considered a consideration for human resources development at PT. Cort Indonesia Production Warehouse Section of Paul Reed Smith in the future.
KONSEP MOTIVASI KERJA DALAM PENGEMBANGAN KARIR ANGGOTA KEPOLISIAN
The Indonesian National Police (Polri) focuses on increasing employee motivation to improve their performance. Motivation is one of the important factors that influences individual success. If the police do not have work motivation it will have a negative impact on their performance; Decreased quality of public services, decreased productivity, loss of initiative and creativity, increased absenteeism and turnover, high levels of stress and job dissatisfaction, poor work relationships. Therefore, it is important to increase motivation for police performance, various strategies have been implemented, including providing good examples, supporting the role of psychologists in the police to help police officers overcome stress and depression, providing role models, instilling discipline, and providing career development opportunities, as well as creating positive and supportive work environment. Education and training is one of the keys to enhancing career growth and mental growth and communication tactics have been researched to understand their impact on performance. Work motivation can influence a person's performance by up to 80%. High motivation is usually associated with increased productivity, work quality, and initiative. Therefore, increasing work motivation is an important factor in human resource management in various organizations, including the National Police. The aim of this research is to find out how much influence motivation has on the performance of the National Police. Involves analyzing techniques such as role modeling, instilling discipline, and providing career development opportunities.
Putri Najzwa Maulida, Sheldio Balvas Vadilla, Tri Wahyuni, Tugimin Supriyadi
PENGARUH STRUKTUR MODAL, PROFITABILITAS DAN LIKUIDITAS TERHADAP NILAI PERUSAHAAN DI BIDANG MANUFAKTUR (SUB SEKTOR TEKSTIL) YANG TERDAFTAR DI BEI PERIODE 2019-2024
This study aims to analyze the effect of capital structure, profitability, and liquidity on firm value in manufacturing companies within the textile and garment subsector listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. This study employs a quantitative method with a panel data approach combining time series and cross-sectional data. The research sample consists of 8 textile and garment subsector companies selected using a purposive sampling technique. The data used are secondary data obtained from the companies’ annual financial reports and were analyzed using multiple linear regression with the assistance of SPSS software. The results show that capital structure and profitability partially have a positive but insignificant effect on firm value, while liquidity has a positive and significant effect on firm value. Simultaneously, capital structure, profitability, and liquidity do not have a significant effect on firm value.
ANALISIS KEPUASAN NASABAH, KEPERCAYAAN NASABAH DAN CITRA MEREK TERHADAP LOYALITAS NASABAH PADA PT. BCA SYARIAH CABANG SURABAYA
Competition in the banking sector in Indonesia is getting tighter nowadays. PT. BCA Syariah is a rapidly growing Islamic bank and has continued to grow over the past 10 years. Therefore, PT. BCA Syariah is committed to providing the best service and providing quality service products to build customer loyalty. The results of the study indicate that customer satisfaction has a significant positive effect on customer loyalty. Customer satisfaction has a significant positive effect on customer loyalty. Brand image has a significant positive effect on customer loyalty. Brand image has a significant positive effect on customer loyalty through customer trust. Thus, PT. BCA Syariah needs to improve customer satisfaction, brand image and customer trust because it can be a competitive advantage for the Company to create loyalty, and loyalty can increase profitability.
PERAN EMOTIONAL INTELLIGENCE, BUDAYA ORGANISASI DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN DI PT. BANK PEMBANGUNAN DAERAH JAWA TIMUR TBK. CABANG UTAMA SURABAYA
Workplace Organization and Motivation in Relation to Employee Performance at PT. Bank Pembangunan Daerah Jawa Timur Tbk., Surabaya Main Branch Office. This study was conducted to understand the simultaneous and partial effects of these three variables, as well as to identify the most important factors affecting employee performance. The background of this study is the importance of human resources in the banking industry, where employee productivity is crucial to achieving business goals and improving service quality. This study uses a quantitative approach with a survey method. Data were collected via questionnaires distributed to employees and analyzed using multiple linear regression, t-tests, and F-tests. Before being used for data collection, the validity and reliability of the research instruments were evaluated. The research results indicate that Emotional Intelligence has a positive and significant effect on employee work performance, showing that the ability to control and manage emotions contributes to improved work performance. Organizational Culture also has a positive and significant effect, indicating that workplace standards, norms, and regulations support employee discipline and productivity. Furthermore, Work Motivation is identified as the most significant variable affecting employee productivity. Together, these three variables have a significant impact on worker productivity, which means increasing productivity requires a strong organizational culture, high employee motivation, and good emotional intelligence.
PENGARUH JUMLAH USAHA PENYEDIAAN AKOMODASI DAN USAHA JASA MAKANAN DAN MINUMAN TERHADAP PENDAPATAN ASLI DAERAH KABUPATEN BADUNG
Bali is known as one of the most popular tourist destinations in the world thanks to its stunning natural beauty and captivating cultural richness. Bali is heavily dependent on the tourism sector. Badung Regency is the regency with the highest regional income in Bali. Badung Regency has the largest number of accommodations and food and beverage service providers in Bali. This study aims to analyse the effect of the number of accommodation businesses and food and beverage service providers on the local revenue of Badung Regency. The data analysis technique used to solve the problems in this study is descriptive quantitative analysis with a secondary data analysis (SDA) approach. The data were analysed using multiple linear regression, t-test, F-test, and coefficient of determination with the help of SPSS. The number of accommodation and food and beverage service providers does not have a simultaneous effect on PHR revenue. The statistical test results show that the number of accommodation providers and the number of food and beverage service providers do not have a significant effect on PHR revenue, with a significance value (X1) of 0.419 (> 0.05) and a significance value (X2) of 0.155 (> 0.05). The statistical test results show that PHR has a significant effect on PAD with a significance value of the PHR revenue variable (X1) of 0.000 (> 0.05), which means that PHR revenue has a significant effect on the rise and fall of PAD.