IJEBD (International Journal Of Entrepreneurship And Business Development)
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Analysis of Bank Financial Performance with Financial Ratio: Analysis of CAR, NPF, BOPO, FDR and ROA in Indonesian Sharia Commercial Banks for the Period 2018-2022
Full text linkPurpose: Analyze the Influence of CAR, NPF, BOPO and FDR on the Profitability (ROA) of Indonesian Sharia Commercial Banks registered with the Financial Services Authority (OJK) during the 2018-2022 period.
Design/methodology/approach: This study uses a quantitative approach and uses secondary data with a sample of 65 data obtained from 13 Sharia Commercial Banks with a time series of 2018-2022.
Findings: CAR partially had a positive and significant effect on ROA, NPF partially had a positive and insignificant effect on ROA, BOPO partially had a negative and significant effect on ROA, FDR partially had a positive and insignificant effect on ROA, and CAR, NPF, BOPO, and FDR simultaneously had a positive and significant effect on ROA in Sharia Commercial Banks in Indonesia for the period 2018-2022.
Paper type: Research pape
Factors Affecting the Ups and Downs of Profit in the Food and Beverage Sub-Sector for the 2021-2023 Period
No full textPurpose: The purpose of this study is to ascertain how production and sales rates, and sales growth relate to changes in net profit between 2021 and 2023.
Design/methodology/approach: This study used a quantitative descriptive strategy, with purposive sampling as a technique for selecting samples based on certain criteria, and the study population consisted of 18 organizations. Information was obtained from financial reports accessed on the website www.idx.co.id.
Findings: According to this analysis, the factors of sales growth, production costs, and operating costs have a major impact on the amount of money businesses in the food and beverage subsector make between 2021 and 2023.
Research limitations/implications: The scope of this study is limited to food and beverage subsector companies listed for 3 years on the IDX. In addition, the focus of activities are only factors that affect sales growth, production costs, and operating costs.
Practical implications: Can make plans to improve profitability using the findings of the research analysis.
Originality/value: This paper is original
Paper type: Research pape
Influence of Perceived Benefits, Perceived Ease of Use, And Perceived Security On The Decision To Use The Indonesian Standard Quick Response Code (QRIS) Through Microenterprise Trust In Surabaya City
No full textObjective: This study aims to analyze the influence of Perceived Benefits, perceived ease of use, and Perceived Security on the Decision to use the Indonesian Standard Quick Response Code (QRIS) among microenterprises in Surabaya City.
Design/methodology/approach: This research was conducted to analyze whether there is an influence between independent and dependent variables. The method in this research uses quantitative methods, and in the analysis method using path analysis (Path Analysis), the population in this research is a micro enterprise in Surabaya City with a sample study as many as 100 respondents.
Findings: The results of the study show that there is a significant influence of the variables of perceived benefits, ease of use, and security on the trust of micro-enterprise in the city of Surabaya, and there is a significant influence on the use of the Quick Response Code Indonesian Standard (QRIS) for micro enterprise in the city of Surabaya.
Research limitations/implications: This research was only conducted in Surabaya City, especially in micro-enterprises as QRIS merchants. It is expected that further research can expand the independent variables of the research as well as the scope of other larger business places, and expand the location of the research area
The Effect of Leverage and Profitability on Company Value with Managerial Ownership as A Moderator
No full textPurpose: The current research looks at how profitability and leverage affect a company's value, taking managerial ownership into account as a moderating factor. Manufacturing companies in the subsector of garments and textiles that are listed on the Indonesia Stock Exchange were the study's primary focus. The use of secondary data from company financial reporting. Purposive sampling was used for the sample process.
Design/methodology/approach: Analytical methods used include descriptive statistical analysis, multiple linear regression analysis, and moderated regression analysis (MRA).
Findings: The test findings demonstrate that the independent variables alone are unable to affect the dependent variable. Additionally, the moderating variable has not been demonstrated to effectively moderate how the independent factors affect the dependent variable.
Research limitations/implications: Companies that manufacture clothing and textiles and were listed on the Indonesia Stock Exchange between 2019 and 2022 are the subject of this study. The results of this investigation might not be applicable to other sectors or eras.
Practical implications: Investors can use the results of this study to help make financial decisions and by management in managing leverage and profitability.
Originality/value: The author makes truth and originality the foundation of their work.
Paper type: Research paper
Self-Control Behavior with An Approach Theory of Planned Behavior in Managing Finance for MSME
No full textPurpose: The aim of the research is to analyze the factors that influence the self-control behavior of MSME actors in financial management and to determine the factors that influence the intentions of MSME actors in controlling themselves in financial management by applying the theory of planned behavior.
Design/methodology/approach: This research is quantitative. The population is MSMEs in Malang, Gresik, Pasuruan, Sidoarjo, and Surabaya, with a sample size of 200 MSMEs operating as of December 2022. Data collection used a questionnaire.
Findings: The results obtained indicate that power prestige and retention-time influence the intention to perform self-control behavior; subjective norms do not influence the intention to perform self-control behavior; behavior control influences the intention to perform self-control behavior; power prestige, behavior control, and intention to perform self-control behavior influence self-control behavior. Meanwhile, retention-time and subjective norms influence self-control behavior.
Research limitations/implications: Respondent data collection was only from several cities in East Java, namely Malang, Gresik, Pasuruan, Sidoarjo, and Surabaya..
Practical implications: MSMEs can manage their finances, exercise self-control, evaluate, and use funds effectively, while avoiding wasteful behavior.
Originality/value: Discusses theoretical approaches and practical benefits in MSME financial management.
Paper type: Research pape
Digital Transformation and Operational Productivity of Maritime Transport Enterprises: Evidence from Global and Indonesian Contexts
No full textThis study examines the influence of digital transformation on the operational productivity of maritime transport enterprises, integrating both global evidence and Indonesian maritime sector data. Using panel data from 58 maritime companies over 2018–2024, we apply quantitative regression analyses to assess the elasticity between digital integration and key operational outcomes, including fuel efficiency, voyage duration, and port turnaround time. The results indicate a significant positive elasticity of 0.42 between digitalization indices—encompassing blockchain-based logistics, artificial intelligence-assisted scheduling, and smart gate systems—and productivity growth. Firms adopting advanced digital tools demonstrate a 15–22 percent improvement in energy cost efficiency and a 10–14 percent reduction in carbon emissions, corroborating literature on maritime decarbonization, green supply chains, and smart port operations. Moreover, mediation analyses reveal that digital maturity significantly enhances the effectiveness of fuel management and scheduling systems, while robust governance and risk management frameworks amplify these effects. These findings provide actionable insights for policymakers and maritime managers seeking to enhance sustainable operational performance through structured digital adoption
Infrastructure Financing: Trends, Challenges, and Future Directions
Full text linkPurpose: Infrastructure financing is critical for global development, yet it remains constrained by challenges such as funding deficits, regulatory complexities, and the need for sustainable and technologically driven solutions. The review aims to explore trends, challenges, and future directions in infrastructure financing, providing a comprehensive synthesis of current knowledge and identifying gaps for further research.
Methodology: This systematic literature review (SLR) adopts the PSALSAR methodology—Protocol development, Search, Appraisal, Literature synthesis, Analysis, and Report writing—to analyse 72 peer-reviewed studies published between 2014 and 2024.
Findings: A structured search across academic databases yielded relevant literature, which was rigorously appraised against predefined inclusion criteria. The thematic analysis revealed key trends, including the growing reliance on public-private partnerships (PPPs), the integration of digital technologies like fintech and blockchain, and the emergence of green financing instruments such as green bonds and Islamic bonds. Key challenges identified include inadequate risk-sharing mechanisms, regulatory inconsistencies, and socio-political uncertainties. Also, 75% of the studies on infrastructure financing are dominated by articles from developing countries. This SLR recognizes knowledge gaps in relation to the context, theory and content for future research.
Originality/value: This paper is origina
Financial Distress Analysis to Predict the Bankruptcy Rate of State-Owned Banks Using the Altman Z–Score Method
Full text linkPurpose: Bankruptcy is the inability of a company to continue its operations due to a decline in its financial condition and has liabilities or debts that are greater than the value of its assets. This study aims to predict the level of bankruptcy of state-owned banks using the Altman Z – Score method.
Design/methodology/approach: This study uses a quantitative research approach with the Z – Score method. The data used is secondary data in the form of state-owned commercial bank financial reports for the period 2019 – 2021 which are listed on the Indonesia Stock Exchange (IDX), taken from the official website at www.idx.co.id. The variables used consist of 4 independent variables and 1 dependent variable, namely Working Capital to Total Assets (X1), Retained Earnings to Total Assets (X2), Earnings Before Interest and Taxes to Total Assets (X3) and Book Value of Equity to Book Values of Debt (X4) and analysis index Z – Score (Z).
Findings: The results of the Z – Score calculation, the four banks in this study are in the Gray Area and Distress Area categories because working capital, retained earnings and operating profits are smaller than their total assets, and the amount of debt is greater than their total equity. The chance of bankruptcy will be even greater if the company's management does not immediately make improvements or evaluate the company's financial condition.
Paper type: Research pape
Building Apartment Developer Satisfaction with Brand Image, Value Co-Creation and Supply Chain Agility along with its Impact on Developer Loyalty Towards Apartment Contractors
Full text linkObjective: Apartment sector is one of the important real estate sectors of a country. The aim of this research is to analyse the influence of brand image, value co-creation, and supply chain agility on customer satisfaction and its impact on developer loyalty to apartment contractors. The novelty of this research lies in analyzing the influence of brand image, value co-creation, and supply chain agility on customer satisfaction simultaneously in the context of the apartment construction industry.
Design/ methodology/ approach: This research uses a quantitative approach with structured equation modeling using smartPLS. The population of this research is apartment developers in Indonesia.
Findings: The results of this research show that brand image, value co-creation, and supply chain agility have a positive and significant influence on customer satisfaction. This research has theoretical implications for expectancy disconfirmation theory and service dominance logic. The managerial implications of this research are on apartment contractors' strategies for gaining developer satisfaction and loyalty.
Paper type: Research pape
A Model for Strengthening Learning Achievement Through an Approach to the Use of Social Media and Learning Motivation
Full text linkPurpose: Student learning achievement is the output of an educational institution. Achievement of learning achievement is determined by external and internal factors of students. Therefore, the learning achievement of each student varies. This phenomenon prompted this research to examine the influence of the use of social media as an external factor in learning achievement and learning motivation as an internal factor in learning achievement on learning achievement using empirical data.
Design/methodology/approach: The research was conducted on 146 cadets of the Semarang Maritime Science Polytechnic (PIP) which was carried out through interviews using a questionnaire. The data obtained was then analyzed using the Structural Equation Modeling (SEM) approach.
Findings: From the results of this research it can be proven that social media is statistically proven to have a significant positive effect on learning motivation and learning achievement and learning motivation is statistically proven to have a significant positive effect on learning achievement
Research limitations/implications: This research has not categorized internal and external factors.
Practical implications: Based on the results of this research, to improve student learning achievement, it can be done through two approaches. First, learning achievement can be improved by increasing students' learning motivation. The second approach to improving learning achievement is through the use or utilization of social media.
Originality/value: This research focuses on vocational education.
Paper type: Research Pape