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Journal Of Business, Finance, and Economics (JBFE)
Published by Universitas Veteran Bangun Nusantara
ISSN : 27466906     EISSN : 27466914     DOI : 10.32585
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Of Business, Finance, and Economics (JBFE) adalah jurnal ilmiah peer review yang diterbitkan oleh Universitas Veteran Bangun Nusantara. Jurnal JBFE terbit dalam dua edisi dalam setahun, yaitu edisi Juni dan Desember. Kontributor Jurnal JBFE berasal dari peneliti, akademisi (dosen dan mahasiswa) di bidang Manajemen, Ekonomi, Bisnis dan Kewirausahaan. Jurnal Journal Of Business, Finance, and Economics (JBFE) memiliki fokus dan ruang lingkup yang terdiri dari: Studi bisnis, etika; Masalah pendidikan, kewirausahaan, pasar elektronik; Layanan, aliansi strategis; ekonomi mikro; Ekonomi perilaku dan kesehatan; Peraturan pemerintah, perpajakan, masalah hukum; ekonomi makro; Pasar keuangan, teori investasi, perbankan; Ekonomi internasional, FDI; Pembangunan ekonomi, dinamika sistem; Studi lingkungan, masalah perkotaan, pasar negara berkembang; Studi empiris, metode kuantitatif/eksperimental
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 268 Documents
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Analisis Peran Digitalisasi Koperasi dalam Pengembangan Ekonomi Wilayah Perbatasan: Studi Kasus pada KSP CU Kasih Sejahtera Kota Atambua Theresia Lorenza Jehalim Deo; Novi Theresia Kiak; Maria Indriyani H. Tiwu
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5711

Abstract

The purpose of this study is to analyze the role of cooperative digitalization in economic development in border areas, with a focus on the CU Kasih Sejahtera Savings and Loan Cooperative (SLC) in Atambua. This study uses a qualitative approach with a case study method, where data is collected through interviews, observations, and documentation. The number of informants in this study is 10 people, namely cooperative members and cooperative staff. The result of this study is that the implementation of digitalization in SLC CU Kasih Sejahtera has had a positive impact on economic development in border areas. Digitalization expands access to financial services for cooperative members, improves operational efficiency, and strengthens the connectivity of cooperatives with a wider financial network.
Implementasi Penggunaan Fitur Tarik Tunai Tanpa Kartu ATM Melalui Aplikasi BRI Mobile pada Masyarakat di Kota Kupang Maria Ivantri Dorwi; Reyner F. Makatita; Fransina W. Ballo
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5712

Abstract

This study aims to determine the implementation of the use of the ATM cardless cash withdrawal feature through the BRI Mobile application in Kupang City and to determine the development strategy for the ATM Cardless Cash Withdrawal Feature through the BRI Mobile application in the community in Kupang City. This study uses a qualitative descriptive approach, by conducting structured interviews with informants of leaders, employees and BRI Bank customers who use the ATM cardless cash withdrawal feature through the BRI Mobile application in the community in Kupang City. The data analysis technique in this study uses SWOT analysis. The results of the study using SWOT Analysis (Strength, Weakness, Opportunities, Threat) concluded that the total IFAS score of 3.30 indicates that BRI Bank is strong internally in implementing the ATM Cardless Cash Withdrawal Feature through the BRI Mobile application. While the total EFAS score of 3.10 indicates that BRI is able to read the opportunities that come and anticipate existing threats.
Penggunaan Dana Desa terhadap Pemberdayaan dalam Meningkatkan Kesejahteraan Masyarakat di Desa Wolowea Timur Kecamatan Boawae Kabupaten Nagekeo Maria Liliosa Coo Wea; Petrus I. De Rozari; Cicilia A. Tungga
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5713

Abstract

This study aims to determine the use of village funds for empowerment in improving community welfare in East Wolowea Village, Boawae District, Nagekeo Regency by using a qualitative descriptive approach method. The type of research used in this study is field research. The informants used in this study consisted of the Village Head, Village Secretary, Village Treasurer, BPD and the Community. Data were collected using observation, interview, and documentation techniques. The data sources in this study are primary data sources and secondary data. Based on the results of the research, it shows that the empowerment program given to the community in East Wolowea Village, through assistance in the procurement of chickens, cocoa seedlings, and plant seeds has had a positive impact on the welfare of the community. These positive impacts can be seen in increasing income, fulfilling nutritional needs, and saving costs. However, the overall improvement in welfare is still not significant due to several obstacles faced, such as changes in the number of uncertain crops and damage to crops.
Pengaruh Layanan Agen Pegadaian dan Digital Service terhadap Kinerja PT Pegadaian Cabang Kupang Rambu Jenika Puteri Cendana; Reyner F. Makatita; Maria Indriyani Hewe Tiwu
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5714

Abstract

This research aims to determine the influence of pawnshop agent services and digital services on the performance of PT Pegadaian Kupang Branch. The type of research used is quantitative research using primary data. The sampling technique used in this research was saturated sampling. So in this study the sample used was the entire population, namely pawnshop agents. The data analysis techniques used in this research include instrument testing, multiple linear regression model estimation, classical assumption testing and hypothesis testing using eviews12 software. The results of this research show that the pawnshop agent variable has an influence on the performance of PT Pegadaian Kupang Branch, the digital service variable has an influence on the performance of PT Pegadaian Kupang Branch. So simultaneously the pawnshop agent and digital services variables influence the performance of PT Pegadaian Kupang Branch.
Analisis Pengaruh Pajak Daerah dan Retribusi Daerah terhadap Pendapatan Asli Daerah dengan Variabel Moderasi Jumlah Penduduk pada Kabupaten Manggarai Maria Herlina Novali Ngangu; Maria I. Hewe Tiwu; Cicilia A. Tungga
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5715

Abstract

This research aims to examine the influence of Regional Taxes and Regional Levies on Original Regional Income (PAD) in Manggarai Regency, as well as the role of Population as a moderating variable using various regression models. The analysis includes simple regression, regression with interaction (MRA), as well as the T test and F test to test the significance of independent variables on PAD. The results show that Regional Taxes and Population have a significant influence on PAD, while Regional Levies do not have a significant influence. The regression model moderated by population reveals that the interaction with regional taxes strengthens its influence on PAD. However, population does not moderate the influence of regional levies on PAD. Overall, these models can explain most of the variation in PAD, with R2 reaching 75.5% up to 80.3%. Hypothesis testing shows that simultaneously, Regional Taxes, Regional Levies, and Population have a significant effect on PAD with an Adjusted R Square value of 0.603. The partial test also shows the significance of the regression model, with Regional Taxes and Population each having significant influence on PAD, while Regional Levies do not have a partially significant influence. The results of this research are in line with several previous studies which show that Regional Taxes and population have a significant impact on PAD, while the influence of Regional Levies is not significant.
Peran Kelompok Tani dalam Ketahanan Pangan Rumah Tangga: Studi Kasus Lumbung Pangan Desa Kamubheka Kecamatan Maukaro Kabupaten Ende Kristiani Nindi; Marthen R. Pellokila; Fransina W. Ballo
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5716

Abstract

This research aims to determine the influence of the role of farmer groups and strategies for overcoming debt arrears on household food security in Kamubheka village. The population in this research was 80 people and the sample obtained using the Sloving formula calculation was 44 village employees and members of farmer groups. In this research using quantitative research methods. The data collection technique in this research uses a questionnaire with a Likert measurement scale. The data analysis technique uses multiple linear regression analysis techniques with calculations using the SPSS program. The results of this research show that the role of farmer groups has a significant influence on household food security in Kamubheka Village. Based on the results of the analysis, it appears that the role of farmer groups makes a major contribution to increasing household food security. In conclusion, the role of farmer groups in food security is very crucial and can meet the food needs of households in Kamubheka village. And the strategy for dealing with debt arrears implemented by farmer groups has a significant influence on household food security in Kamubheka Village. Based on the analysis results, improvements in this strategy can significantly increase household food security. By overcoming debt arrears, farmer groups can ensure that food storage remains stable and is able to provide sufficient food for the entire village community.
Optimalisasi Siklus Manajemen Kinerja untuk Pengembangan Kepemimpinan di Organisasi Tanti Sugiharti
Journal Of Business, Finance, and Economics (JBFE) Vol 3 No 1 (2022): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v3i1.5717

Abstract

The performance management cycle represents a critical framework for enhancing leadership development within organizations. This conceptual article proposes that by integrating comprehensive performance evaluations, feedback, and goal-setting mechanisms, the performance management cycle not only ensures operational efficiency but also fosters the cultivation of effective leadership qualities. The cycle begins with planning, where leaders define and communicate organizational goals and individual objectives. The subsequent evaluation phase offers a structured approach to assessing individual and team performance against pre-established objectives, facilitating objective leadership assessments and highlighting areas for improvement. Feedback, the final phase, is instrumental in leadership development, providing a platform for constructive dialogue, recognition of achievements, and identification of development opportunities. This literature review argues that through the systematic application of the performance management cycle, organizations can create a supportive environment for leadership development, thereby enhancing their competitive advantage and promoting a culture of continuous improvement.
Implications of Capital Adequancy Ratio (CAR), Loan To Deposit Ratio (LDR), and Financial Performance Wedaswari Made; Purwanto Purwanto; Sari Widati; Eka Nur Haini Widyaningrum
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5719

Abstract

The aim of this research is to determine the effect of capital adequacy ratio and loan to deposit ratio on financial performance with credit risk as a moderating variable and it is hoped that the results of this research can be used as a reference source for potential investors before investing their capital in banking companies, especially conventional banks by analyzing how banking financial performance and health. In this research the data used is secondary data. The research method uses a multiple analysis method using the IBM SPSS Statistics version 22.0 and Microsoft Excel 2010 programs. The data collection technique uses a purposive sampling technique with a population of 46 conventional banks becoming 36 research samples. This research uses the unit of measurement of percent (%) obtained from the company's annual report. Before multiple linear analysis is carried out, it is tested first with the classic assumption test which is useful for ensuring whether the regression model used does not have problems with normality, muticolinearity, heteroscedasticity and autocorrelation tests. If it is fulfilled then the multiple regression model is suitable to be used. The research results show that the capital adequacy ratio and loan to deposit ratio have a significant positive effect on financial performance. Moderation regression analysis, credit risk as proxied by non-performing loans is not able to moderate the relationship between capital adequancy ratio and loan to deposit ratio on financial performance.
Peran Kepuasan Pelanggan Memediasi Pengaruh Citra Merek Terhadap Niat Beli Ulang Minuman Kopi Kenangan di Denpasar Kadek Devasya Devi Urmili; I Gst. Ngurah Jaya Agung Widagda K
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5720

Abstract

Repurchase intention is part of consumer behavior where the compatibility between the performance of the product or service offered by the company generates consumer interest to buy again. The development of business in the Food and Beverage industry in Indonesia is increasingly promising. The high consumption of coffee in Indonesia cannot be separated from the current growth trend of coffee shops. Repurchase intention is useful for companies to predict purchase actions that can affect the relationship between brand image and consumer satisfaction. The purpose of this study is to analyze the role of customer satisfaction in mediating the influence of brand image on the intention to repurchase drinks at Kopi Kenangan. The research was conducted on Kopi Kenangan in Denpasar, the number of samples was 120 people using the nonprobability sampling method with purposive sampling techniques. Data collection by questionnaire method is distributed in the form of Google Forms through two ways, namely, online and directly to Kopi Kenangan customers. The collected data was then analyzed using descriptive and inferential statistics (path analysis, classical assumption test, sobel test, and VAF test). Based on the results of the analysis, it was found that brand image has a positive and significant influence on repurchase intention, brand image has a positive and significant influence on customer satisfaction, customer satisfaction has a positive and significant influence on repurchase intention, and customer satisfaction can partially mediate the influence of brand image on repurchase intention. The implications of this result can be used as a marketing development strategy, especially in the management of Kopi Kenangan in Denpasar to pay more attention to brand image indicators and customer satisfaction in order to increase repurchase intentions.
Analisis Bibliometrik : Faktor Sanksi Perpajakan terhadap Kepatuhan Pembayaran Pajak bagi Wajib Pajak Shinta Aliyah Putri; Wahyu Helmy Dimayanti Sukiswo
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5723

Abstract

This research can be used for topic mapping and further development of research directions related to "Tax Sanction Factors on Tax Payment Compliance for Taxpayers". For the author, this research also has the potential to obtain new keywords that will be used for further research topics. This study uses a bibliometric analysis method to review 200 scientific articles on related topics. Bibliometric analysis uses scientific article data obtained from Publish or Perish in the 2019-2024 period, then processed using the help of the VOSviewer application version 1.6.17. The results obtained from this study are that the topic related to tax sanctions on tax payment compliance is an interesting topic to study. There are several specific keywords that can be continued for further research such as the influence of tax understanding, tax quality, tax payers, and effects. It is hoped that this research can contribute to ideas for further research.

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