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Determinants of the Entrepreneurial Intention of Private Sector Employees in the Age of Disruption: The Role of Saving Behavior as a Mediating Variable
This study aims to examine the determinants of entrepreneurial intention among employees in private companies in Indonesia by integrating financial and psychological factors through a mediating mechanism. Data were collected through a survey with 209 valid responses and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that financial literacy and financial efficacy significantly influence entrepreneurial intention, both directly and indirectly through saving behavior. In contrast, perceived job insecurity does not have a significant effect on entrepreneurial intention. Saving behavior is found to play a crucial role as it not only directly affects entrepreneurial intention but also mediates the relationship between financial literacy and financial efficacy with entrepreneurial intention. However, saving behavior does not mediate the relationship between perceived job insecurity and entrepreneurial intention. These findings highlight the importance of financial capability factors over psychological job-related concerns in fostering entrepreneurial intention among employees.
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How Self-Efficacy Drives Innovative Work Behavior: Evidence from Indonesian Higher Education with Knowledge Sharing as a Mediator
Innovative work behavior (IWB) is an important dimension for higher education institutions in facing global demands. This study examines the effect of self-efficacy on innovative work behavior with knowledge sharing as a mediating variable in 129 lecturers at state vocational colleges with public service agencies in Central Java, Indonesia. A quantitative survey method was employed to collect primary data, which were subsequently analyzed using PLS-SEM. The results showed that self-efficacy significantly influenced knowledge sharing and IWB, and knowledge sharing significantly influenced IWB. In addition, knowledge sharing was proven to partially mediate the relationship between self-efficacy and IWB, with the direct effect remaining significant. These findings indicate that lecturers’ self-confidence contributes directly to innovative behavior. However, its influence can also occur if accompanied by knowledge sharing activities in an academic environment. This study extends Social Cognitive Theory by demonstrating how the environmental component of triadic reciprocal causation operates through knowledge exchange at a public service vocational college in Central Java, Indonesia. This suggests that the burden of the Tridharma (three pillars) and the culture of academic collectivism shape the dynamics between personal confidence and innovative output.
From Ambidexterity to Organizational Agility: The Mediating Role of Strategic Integration in ESG Context
This study examines the mediating role of Strategic Integration in the relationship between Ambidextrous Capability and both Organizational Agility and Sustainable Value Creation among Indonesian natural resource companies under ESG pressure. Employing PLS-SEM analysis on pooled data of 130 firm-year observations from 65 companies during the 2023-2024 period, data were collected through content analysis of Annual Reports and Sustainability Reports using the Strategic ESG Capability Index with 54 indicators. The findings reveal that Ambidextrous Capability positively affects Strategic Integration, which subsequently influences both Organizational Agility and Sustainable Value Creation. Critically, Strategic Integration fully mediates both the Ambidextrous Capability-Organizational Agility relationship and the Ambidextrous Capability-Sustainable Value Creation relationship, while the non-significant direct effects confirm that Strategic Integration serves as the essential transformation mechanism. Theoretically, this study contributes by addressing the black box problem in ambidexterity-agility literature and operationalizing Dynamic Capabilities Theory into ESG-specific constructs through a validated measurement framework. Practically, the findings provide actionable insights for managers of natural resource companies facing EUDR compliance requirements, demonstrating that ambidextrous capabilities must be channeled through strategic ESG integration to yield agility and sustainable value outcomes.
Driving Purchase Decisions and Electronic Word of Mouth Through Influencer Marketing, Gamification, and Live Streaming: Evidence from TikTok Shop
This study investigates the effects of influencer marketing, gamification, and live streaming on consumer purchase decisions in TikTok Shop. It also examines the influence of purchase decisions on electronic word-of-mouth (eWOM) in the context of social commerce. As competition among online retailers continues to intensify, understanding the effectiveness of these digital marketing strategies has become increasingly important for improving customer engagement and business performance. Throughout the course of this inquiry, a quantitative methodology was utilized. Primary data were collected from 250 respondents through a structured questionnaire distributed to customers who had previously purchased products from Tio Gallery. The data were evaluated using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that gamification significantly affects purchase decisions, which in turn strongly influence eWOM, while influencer marketing and live streaming show no significant impact on purchase decisions. These findings indicate that interactive and reward-based marketing features are more effective than influencer endorsements and live selling activities in encouraging consumers to complete purchases. Furthermore, satisfied customers are more likely to share positive experiences and recommendations through eWOM. This study contributes to the social commerce literature by developing an integrated model within the TikTok Shop environment and provides practical implications for businesses seeking to enhance purchasing decisions and post-purchase engagement through effective gamification strategies.
Understanding Consumer Switching Intention to Digital Banks: An Empirical Test of Push-Pull-Mooring Framework
This study examines the factors influencing consumers’ switching intention from traditional banking services to digital banks using the Push-Pull-Mooring (PPM) framework. Although the PPM framework is widely used in digital banking research, prior studies remain fragmented in their application and often rely on crosssectional surveys that primarily measure switching intention, limiting a comprehensive understanding of switching determinants. This study analyzes primary data collected through questionnaires from 610 respondents using purposive sampling, with 71% of respondents already using digital banks. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that Pull Factors and Mooring Factors have a significant positive effect on individuals’ intention to adopt digital banks, while Push Factors have no significant effect. These findings suggest that the attractiveness of digital banking services and personal considerations play important roles in encouraging digital bank adoption. Strengthening public literacy, branding, and digital security assurance is recommended to accelerate adoption.
DeFi as a Modern Investment Game Changer: A Comparative Analysis with Stocks and Gold
This study aims to compare the investment performance of Decentralized Finance (DeFi), equities (IHSG), and gold during the 2021–2024 period, which represents a full market cycle characterized by high volatility and economic uncertainty. The research objective is to evaluate differences in return, risk (volatility), risk adjusted performance, and inter asset correlations to assess portfolio diversification potential. A quantitative comparative approach is employed using monthly secondary data, analyzed through descriptive statistics, non-parametric difference tests, and correlation analysis. The findings indicate statistically significant differences among the three investment instruments. Gold demonstrates the highest risk efficiency and consistently performs as a safe haven asset. Equities show moderate stability but relatively lower risk adjusted performance. In contrast, DeFi records the highest average returns, accompanied by extreme volatility and low efficiency. Correlation results reveal a strong positive relationship between gold and equities, while DeFi exhibits significant negative correlations with both assets, indicating diversification potential despite elevated systemic risk. This study concludes that gold remains the most resilient investment asset, equities serve as a balanced growth instrument, and DeFi should be positioned as a high risk speculative asset rather than a core portfolio component.
Factors Forming Indonesian Customers’ Attitudes and Intention towards Sharia Banking Products Before and After the COVID-19 Pandemic
The objective of the research is to uncover the factors shaping customer attitudes and intentions towards using Islamic banking products in Indonesia after the COVID-19 pandemic. A preliminary study identified the factors shaping attitudes, including bank image, social norms, and compliance with Sharia law. This study also revealed differences in Indonesian customers’ intentions towards using Islamic banking products before and after the COVID-19 pandemic. Data collection used an online survey involving 479 Islamic banking customers in Indonesia. Structural Equation Modeling (SEM) was used for data analysis. The results indicate that attitudes can predict Indonesian customers’ intentions towards using Islamic banking products. The most influential factor influencing Indonesian customers’ attitudes towards using Islamic banking products is social norms. This study demonstrates the importance of reference groups and bank image in shaping attitudes and intentions, suggesting that banks should leverage these aspects to expand their customer base. This study also provides insights into individual decision-making and the importance of a social approach for banks in advertising. By confirming all TPB-related hypotheses, the study empirically validates and extends multi-attribute attitude model, Theory of Reasoned Action, Theory of Planned Behavior in the context of Sharia banking adoption after a global crisis. It demonstrates those model theories are reliable and adaptable framework for explaining Islamic financial behavior in emerging markets and during periods of economic disruption.
From App Cues to Trust: A Stimulus–Organism–Response Study of Engagement and Continuance Intention in Indonesian Food Ordering Apps
This study investigates the influence of design, performance, and user reviews on consumer engagement and continuance intention, with situational factors serving as a moderating variable in the context of food ordering applications. To explain consumer engagement and continuance intention as behavioral outcomes shaped by app-related cues and internal user evaluations, this study draws on consumer behavior theory. The Stimulus–Organism–Response (SOR) model is used as the conceptual framework. Empirical study using quantitative cross-sectional technique is conducted on 338 respondents from nine major cities in Indonesia. PLS-SEM is used to examine data. The findings show that design, performance, and user reviews significantly influence user engagement, with app performance having the strongest effect. Engagement significantly predicts continuance intention, while situational factors moderate this relationship. Managerially, food-ordering platforms should focus on app stability and speed, enhance trust signals, manage user reviews strategically, and design situational features that address delivery uncertainty and time pressure.
Sustainability in the Hospitality Sector: Leveraging Development Value as a Mediating Variable
Amidst the recent challenges the declining hospitality industry faces, this study focuses on enhancing employer branding sustainability in the hotel sector post the COVID-19 pandemic. The research targets hotel employees who have graduated from hospitality vocational schools and colleges. Utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis, the results highlight the pivotal role of Development Value as a mediator in promoting sustainability within the hotel industry. This underscores the critical importance of hotel management in prioritizing the cultivation and recognition of development value among employees, where management of hotels can effectively enhance their sustainability practices. Inclusion of Development Values as a mediator is a novelty of this research. Employee development is the core that affects the sustainability of employer branding, and it is a strategic step to improve employer branding. Improvements were made to increase the fluency of sentences, consistency in the use of terms, and to clarify some parts to make them easier to understand
The Antecedents of Muslim Consumers Restaurant Choice: A Study Through the Lenses of SOR and Theory of Planned Behavior
This study explores the impact of customer perceptions of value and quality on subjective norms, attitudes, satisfaction, revisit intentions, and loyalty at the “No Pork, No Lard” restaurant using the Stimulus-Organism-Response (SOR) theoretical framework. Data were collected through a survey of 600 consumers across six major cities in Indonesia and analyzed using Structural Equation Modeling (SEM). The results indicate that perceived value significantly influences subjective norm and attitude; however, it has no significant effect on satisfaction, intention to revisit, or loyalty. Meanwhile, perceived quality significantly affects subjective norm, attitude, and satisfaction, but does not have a direct influence on intention to revisit and loyalty. In addition, subjective norms drive loyalty, attitudes shape both revisit intention and loyalty, while satisfaction influences the two response variables. Overall, perceived quality emerges as the key factor in consumer perception and evaluation, while perceived value has a more limited impact. The results also emphasize the importance of attitude and satisfaction as direct drivers of consumer revisit intention and loyalty. This research provides significant insights into consumer behavior in halal-labeled food establishments and highlights the need to focus on improving service quality and strengthening positive consumer attitudes.
Digital Transformation, Fintech Utilization, Digital Financial Literacy, and Financial Sustainability of Culinary MSMEs
This study aims to analyze the effect of digital transformation and fintech utilization on the financial sustainability of culinary micro, small, and medium enterprises (MSMEs), with digital financial literacy as a mediating variable. This research employed a quantitative explanatory approach involving 250 MSME owners and financial managers in Salatiga, Semarang, and Rembang. Data were collected through structured questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results indicate that digital transformation and fintech utilization have positive and significant effects on digital financial literacy. Furthermore, digital financial literacy significantly influences the financial sustainability of culinary MSMEs. The findings also confirm that digital financial literacy plays an important mediating role in strengthening the relationship between technology adoption and financial sustainability. These results suggest that technology adoption becomes more effective when supported by adequate financial knowledge and digital skills. This study provides practical implications for policymakers and MSME practitioners to strengthen digital and financial literacy programs in order to enhance sustainable business performance.
Capital Efficiency Based on Payment Capability (CEPac) as a Mediator Between Asset Structure, Sales Growth, and Firm Value: Evidence from Indonesian Manufacturing Firms
This study introduces and empirically validates CEPac as a mediating construct linking asset structure and sales growth to firm value. Grounded in Trade-Off Theory, Resource-Based View, and Signaling Theory, CEPac integrates the inverse of the Weighted Average Cost of Capital (1/WACC) and Times Interest Earned (TIE) to capture financing efficiency and debt-servicing capacity. Using panel data from 75 manufacturing firms listed on the Indonesia Stock Exchange (2019–2023), seven hypotheses were tested through fixed-effects regression and Sobel mediation analysis in STATA. The results show that asset structure and sales growth significantly increase firm value, both directly and through CEPac (p<0.01), with mediation effects accounting for 18%–32% of the total influence. The model demonstrates strong explanatory power. Overall, the findings provide actionable insights for managers seeking to optimize capital allocation and operational growth, and position CEPac as a reliable financial assessment tool for capital-intensive industries.
Development of a Halal Broiler Supply Chain Model: HABITS (HalalHygiene Assurance, Blockchain-Integrated Traceability System)
This study aims to develop and validate the Halal-Hygiene Assurance, Blockchain Integrated Traceability System (HABITS) model, which incorporates HACCP, SNI 99001:2016, and blockchain technology to ensure traceability and compliance in broiler supply chains. Grounded in resource orchestration and institutional theory, this study utilized a convergent mixed-methods design. Analytic Hierarchy Process (AHP) and compliance gap analysis were employed to develop and assess the model. The findings reveal that transparency and compliance were prioritized over traditional traceability metrics. Significant gaps were identified in blockchain implementation (100% noncompliance), HACCP integration (42% noncompliance), and SNI 99001:2016 (38% noncompliance), primarily due to cost and infrastructure barriers. The HABITS model extends resource orchestration to religious-cultural contexts, enhancing operational performance and institutional legitimacy.
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Professionalism, Interaction, Price Discount, Social Bonds: The Influencing Factors of Gen-Z And Millennial Purchase Intentions on E-Commerce Live Streaming
This study aims to identify the key determinants of purchase intentions among Generation Z and Millennials in live-streaming e-commerce and to examine the mediating role of consumer trust. This is based on live-streaming commerce has rapidly transformed online shopping behavior among digital-native consumers, yet limited evidence explains what drives their purchase intentions. Using a quantitative explanatory design, 312 respondents were selected through purposive sampling based on the following criteria: aged 18–42 years, active users of live-stream shopping in the past three months, and connected to the Batam or Tanjungpinang digital-commerce ecosystem. Variance-based SEM (VB-SEM) was used due to its predictive orientation and suitability for mediation analysis with non-normal data. The results show that professionalism does not significantly affect trust or purchase intentions, while interaction influences purchase intentions only through trust. Price discounts and social bonding have both direct and indirect positive effects. Trust emerges as a central mediator. The study contributes by showing the declining importance of seller professionalism and reinforcing the critical role of trust in real-time commerce.
Extending the JD-R Framework: The Mediating Role of Work-School Conflict and Job Satisfaction on Employee Performance
The growing number of individuals simultaneously pursuing full-time work and formal education presents significant dual-role challenges that impact job performance and psychological well-being. This study explores how high workload influences employee performance, with work-school conflict and job satisfaction as mediators. Drawing on Job Demands–Resources (JD-R) Theory and Role Stress Theory, the research employs Partial Least Squares Structural Equation Modeling (PLS-SEM) on data collected from 312 working students in Jakarta. Findings reveal that job satisfaction significantly enhances employee performance, whereas workschool conflict exerts a strong negative influence on both satisfaction and performance. While high workload directly improves performance indicating a potential challenge stressor effect it also increases work-school conflict, which in turn undermines job performance. However, job satisfaction does not significantly mediate the relationship between workload and performance, indicating that role strain, rather than positive affect, plays a more critical role in this dual-role context. The study highlights strain-based conflict as the dominant form of interference impacting productivity. Theoretically, it extends the JD-R framework by integrating dual-role conflict as a contextual mediator and refining the distinction between challenge and hindrance demands. Practically, the study encourages organizations to offer flexible workload arrangements and supportive leadership, while educational institutions are urged to provide adaptive academic systems to support dual-role learners.
Implications of the Theory of Planned Behavior for Green Purchase Intention in Cosmetic Products
The rising demand for eco-friendly cosmetics in Indonesia reflects a shift in consumer awareness toward sustainability. This study examines the influence of social media marketing, green attitude, and green product knowledge on green purchase intention, with green trust as a moderating variable. Using a quantitative approach, data were collected from 150 consumers of sustainable cosmetic products in Central Java and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results show that social media marketing, green attitude, and green trust have a significant positive impact on green purchase intention; however, green product knowledge does not have a significant effect. Furthermore, green trust strengthens the relationship between the three independent variables and purchase intention, indicating its moderating role. This research contributes to the development of sustainable marketing strategies, particularly in the cosmetics industry. The findings provide a strategic implication for companies: building authentic consumer trust is paramount and acts as a catalyst to convert positive attitudes and marketing exposure into tangible purchase intentions, thereby supporting the sustainable consumption goals of SDG 12.
Green Marketing and Its Impact on Customer Loyalty: The Chain Mediation of Emotional Desire and Satisfaction
This study aims to examine the influence of green marketing, brand image, and emotional desire on customer satisfaction and loyalty at McDonald’s. The novelty of this research lies in integrating the psychological factor of emotional desire with green marketing and brand image within a single framework, which has rarely been tested simultaneously in the fast-food industry. A quantitative approach with a survey method was employed, involving 225 purposively selected respondents who had made at least two purchases. The data were analyzed using SmartPLS. The findings reveal that green marketing, brand image, and emotional desire significantly affect customer satisfaction. Furthermore, brand image and emotional desire have a direct positive impact on customer loyalty, while emotional desire also exerts an indirect effect on loyalty through satisfaction. In contrast, green marketing and brand image show no indirect influence through satisfaction on loyalty. From a managerial perspective, the results suggest that McDonald’s should combine green marketing strategies with brand image reinforcement and emotional engagement, as these factors play a crucial role in improving customer satisfaction and building long-term loyalty.
Determinant of Enterprise Risk Management Disclosure with the Board of Commissioners as a Moderating Variable
This study examines the effect of the independent board of commissioners and managerial ownership on enterprise risk management (ERM) disclosure. Furthermore, this study uses the board of commissioners as a moderating variable. The sample uses financial sector companies listed on the Indonesia Stock Exchange during the 2020-2023 period. This study uses a purposive sampling technique. The findings reveal that an independent board of commissioners and managerial ownership positively influence enterprise risk management (ERM) disclosure. The board of commissioners can strengthen the effect of managerial ownership on enterprise risk management disclosure. The novelty of this research lies in incorporating board size as a moderating variable in the context of ERM disclosure. Hence, this study offers new insights into the nexus between governance and risk management. This study also contributes to ERM literature by emphasizing the contingent role of board characteristics in shaping risk disclosure practices. Nevertheless, this study only focuses on financial companies. Therefore, future research should include broader industry coverage and adopt longer observation periods to enhance the generalizability and robustness of the results.
Exploring How Digital Financial Literacy Affects Fintech Credit Behavior through Psychological and Digital Financial Access
This study investigates the influence of digital financial literacy on the credit behavior of Generation Z as fintech users, with digital financial inclusion and internal locus of control as mediating variables. Using a quantitative approach with 150 respondents in Malang, data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings demonstrate that digital financial literacy significantly affects credit behavior both directly and indirectly, with mediation confirming the crucial role of financial inclusion and psychological control. This research provides novelty by integrating digital financial literacy, financial ecosystem access, and psychological factors into a single framework for understanding Gen Z’s credit behavior. Theo retically, it enriches behavioral finance literature, while practically, it emphasizes the need for policymakers and fintech institutions to design targeted programs that strengthen financial decision-making among younger generations.
Decoding Brand Success: The Impact of Identity on Image, Trust, and Loyalty
This study aims to analyze the effect of brand identity on brand image, brand trust, brand satisfaction, and brand loyalty. The sampling technique used was accidental sampling to collect data through a survey of 225 respondents who use Evolene in Bogor. The results of the analysis show that brand identity has a significant influence on brand image, with customers who recognize the brand strongly tending to build positive perceptions of the brand. In addition, brand identity has also been shown to influence brand trust, where customer trust in the brand increases along with the brand’s consistency in delivering its promises and values. The relationship between brand identity and brand satisfaction shows that customer satisfaction can be obtained through experiences that are under the expected brand identity. This study found that brand loyalty is directly influenced by brand identity, with customers who feel connected to the brand more likely to show long-term loyalty. This study provides a theoretical contribution by emphasizing the importance of brand identity management as a basis for forming brand relationships with customers. Practical implications include developing consistent brand communication strategies, aligning brand values with customer needs, and investing in customer experiences that align with brand identity.
The Role of Women Entrepreneurs in Improving the Performance of MSME
This study aims to analyze how women’s entrepreneurial motivation influences the performance of micro, small, and medium enterprises (MSMEs) in Bali, with a particular focus on the mediating effects of human resource competencies, entrepreneurial mindset, and work-life balance. Using a quantitative approach, data were collected from 115 women entrepreneurs through a structured questionnaire. The sample size was determined by multiplying the number of research indicators by five, following SEM-PLS methodological standards. The results reveal that women’s entrepreneurial motivation significantly improves MSME performance when mediated by enhanced human resource competencies and a proactive entrepreneurial mindset. However, work-life balance does not show a significant mediating effect. These findings highlight that internal factors such as motivation, competence, and mindset are more critical to business success than external life-management factors. This study provides valuable insights for policymakers and development institutions to design empowerment programs emphasizing competency development and mindset transformation to strengthen the sustainability and competitiveness of women-led MSMEs.
Anak Agung Ngurah Eddy Supriyadinata Gorda
Sustainable Brand Engagement: Bridging Gamification and Dual-Dimensional Loyalty in Coffee Shops
This study examines the impact of gamification on customer loyalty through sustainable brand engagement in Indonesia’s coffee shop industry. Despite rapid industry growth, customer loyalty remains relatively low, prompting an investigation into how gamification elements influence sustainable brand engagement and both transactional and non-transactional loyalty dimensions. Employing a quantitative approach, data were collected from 350 respondents who are customers of local coffee shops across Indonesia’s five main islands. Partial Least Squares analysis was utilized to test inter-variable relationships. Results demonstrate that gamification significantly influences sustainable brand engagement, which subsequently exhibits strong effects on both loyalty dimensions. Notably, gamification shows no direct significant impact on loyalty, indicating full mediation through sustainable brand engagement. This study contributes theoretically by developing an integrative model that analyzes gamification’s influence on two distinct loyalty dimensions within Indonesia’s socio-cultural context. Findings imply the importance of designing gamification elements that build emotional connections and brand communities, rather than focusing solely on transactional aspects.
Unveiling the Influence of Financial Attitude, Financial Literacy, and Lifestyle on Decision-Making and Financial Well-Being:AComprehensive Study on Generation Z
This study examines the influence of financial attitudes, financial literacy, and lifestyle on financial decision-making and financial well-being, with a focus on Generation Z. Utilizing a quantitative approach, data were collected from 306 respondents in West Sumatra through online surveys. The data were analysed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) method, employing the Disjointed Two-Stage approach to ensure robustness and accuracy in testing the structural model. The results reveal that financial attitudes and financial literacy significantly enhance financial decision-making, which in turn positively influences financial well-being. Conversely, lifestyle exerts a negative influence on financial decision-making, thereby reducing financial well-being. Financial decision-making mediates the relationship between financial attitude, financial literacy and lifestyle toward financial well-being. This study contributes to the literature by integrating psychological, behavioural, and lifestyle dimensions into a unified model of financial well-being. It provides empirical evidence on the dominant role of financial attitude and the mediating mechanism of financial decision-making among digital-native populations. The findings suggest that targeted financial literacy interventions, value-oriented financial education, and lifestyle awareness programs are essential to foster sound financial decisions and improve financial well-being, especially for Generation Z.
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Generational Gaps in Work-Life Balance: Comparing the Expectations of Gen X, Y, and Z
This study analyzes the relationship between work-life balance and employee happiness and performance, considering the differences between Generations X, Y, and Z in East Nusa Tenggara Province. This is an explanatory quantitative study with a sample size of 1.155 respondents and data analysis using SEM-PLS. Work-life balance is measured through three dimensions: Personal Life Interferes with Work (PLIW), Work Interferes with Personal Life (WIPL), and Work-Personal Life Enhancement (WPLE). The results indicate that among Generation Z, work-life balance significantly influences performance, with happiness as a mediator and moderator variable. Conversely, among Generation X and Y, the significant influence only occurs through the WPLE dimension, and happiness acts as a mediator without a moderating effect. These findings emphasize the importance of considering generational differences in human resource management strategies, particularly in designing flexible work systems that support employees’ responsibilities.
Analysis of Consumer Preferences in Digital Payment: Integration of TAM and TPB Model to Enhance Technology Adoption
This study investigates consumer preferences towards digital payments in Indonesia, employing the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). Digital banking technologies, notably digital payments, offer several advantages, including convenience, flexibility, low costs, integrated features, and transaction efficiency. However, these technologies also encounter significant challenges, such as security risks, trust issues, and digital literacy gaps. To explore these dynamics, this research utilizes a conclusive design with a cross-sectional method and analyzes data through Structural Equation Modeling (SEM). The results confirm the majority of the proposed hypotheses, showing strong positive effects on factors like perceived usefulness, usability, resistance, risk perception, compatibility, and digital literacy. Notably, ease of interaction with the system is mainly shaped by user awareness. On the other hand, moderating factors such as communication, satisfaction, and trust have minimal impact and do not support the hypotheses. The results underscore that user perceived value, system simplicity, social influence, and personal attitudes play essential roles in driving technology acceptance. The study recommends that digital payment providers focus on enhancing user perceptions of functional value and intuitive design. Emphasizing clear advantages and fostering a supportive social environment can strengthen user adoption and long-term loyalty in the Indonesian market.
The Essential Things of Export Network Alliances to Increase MSME Export Business Performance: The Case of Kalimantan Weaving Craft
This study examines the role of export network alliances in bridging the gap between relational social capital and the export performance of micro, small, and medium enterprises (MSMEs). A key challenge for MSMEs in international markets is the lack of networks and relational capital, which hinders their export capabilities. Additionally, this research investigates how knowledge-sharing capabilities enhance network alliances and export performance. The study employs a purposive sampling technique, collecting data from 190 weaving craft MSMEs in Kalimantan, Indonesia, all of which have export experience. Structural Equation Modeling (SEM) with AMOS is used for analysis. The findings indicate that export network alliances significantly mediate the relationship between relational social capital, knowledge-sharing capability, and export performance. However, relational social capital alone does not directly influence export performance without the support of strong network alliances. Theoretical contributions integrate relational marketing theory and social capital theory, while practical implications suggest that MSME managers should prioritize network-building and knowledge-sharing to enhance international competitiveness.
Building Green Behavioral: The Role of Eco Literacy and Financial Literacy in Moderating Household Finances
Eco literacy among housewives has been increasing, supported by the application of green behaviour in household finances. The purpose of this study is to determine the relationship between green behaviour as an independent variable, eco-literacy and financial literacy as moderating variables, and household finances as a dependent variable. The quantitative research sample involved 100 respondents using snowball and purposive sampling techniques among housewives in Semarang City. The results indicate that green behaviour, eco-literacy, and financial literacy have a positive influence, while Moderated Regression Analysis (MRA) shows that eco-literacy and financial literacy significantly weaken the influence of green behaviour on household finances. These findings not only support the hypothesis that increased environmental understanding can help individuals make appropriate financial decisions, but also highlight challenges in its implementation among the public, necessitating more effective educational strategies.
Branding Management of Sido Muncul Product (Case Study of TolakAngin) and Its Implications for The Indonesian Healthcare Industry
This study aims to analyze the management branding of Sido Muncul products, especially the Tolak Angin product, in relation to the broader pharmaceutical industry in Indonesia. This research utilizes a systematic literature review (SLR) as a qualitative approach, supported by tools such as Publish or Perish, PRISMA, and Covidence software to collect, filter, and evaluate relevant academic sources. Additionally, a science mapping review serves as the quantitative approach, using Mendeley and VOSviewer software to visualize bibliometric data and research trends. Tolak Angin exemplifies effective brand management by successfully positioning itself as a trusted natural remedy within Indonesia’s competitive health landscape. The product’s strong market presence reflects strategic branding, consumer trust, and cultural relevance. The implications of Tolak Angin’s brand management go beyond individual success; it catalyzes broader shifts in Indonesia’s healthcare industry. As consumers increasingly prefer natural and holistic alternatives to synthetic drugs, Tolak Angin inspires other pharmaceutical companies to innovate and develop herbal-based remedies.
Corporate Social Responsibility, Bank Efficiency, Capital and Bank Risk: Empirical Evidence of Sharia Banks in Indonesia
Risk is part of the business. This study aims to determine the effect of CSR, efficiency, and capital on financing risk in Sharia banks in Indonesia. This research was conducted at Islamic banks in Indonesia. This research was conducted from 2015 to 2023. The data used in this study are secondary data sourced from annual reports published by the Financial Services Authority (OJK) and the official websites of each Islamic bank. The data analysis method in this study is multiple linear regression analysis with panel data. Based on the research results, CSR positively affects financing risk. Efficiency can reduce financing risk. CAR has no impact on financing risk. The research variables used are still limited, so further research can be done by examining how Islamic banks manage financing.
Social Media Application as a New Paradigm for Business Communication Strategies: The Role of Knowledge, Attitude, and Practices (KAP)
Business communication methods have had a significant impact on both private and public enterprises. The company’s communication strategy has emerged as the most crucial problem, affecting all firms. This study seeks to investigate the link between company communication strategy knowledge, attitudes regarding social media usage, and social media use habits. This study looks at how attitudes regarding social media use influence the link between company communication strategy knowledge and social media use habits. To acquire the sample, the survey employed a non-probability convenience sampling technique, recruiting willing respondents who gave their agreement for data collection. The research collected comments from 250 people. The findings supported the link between company communication strategy expertise and attitudes toward social media use. Similarly, the findings of this study supported the beneficial association between attitudes about social media use and practices. Attitudes about social media usage mediated the link between understanding company communication strategies and social media use behaviors. This study presents a systematic and comprehensive research strategy for investigating the outcomes of company communication initiatives. The generalizability of these findings suggests promising paths for future study on company communication methods.