Inovbiz: Journal of Business Innovation is a scientific publication focusing on the development of knowledge through innovation in the fields of economics, business, and management. This journal serves as a platform for writers, researchers, academics, and practitioners to publish their research findings, theoretical or critical studies, as well as original and up-to-date ideas that contribute to the advancement of modern economic and business practices. Inovbiz is committed to promoting the integration of theory and practice of innovation in economic management, business development, and managerial strategies relevant to global challenges and digital transformation. Economics – Covers macro and microeconomics, development economics, digital and creative economy, green economy, and innovation in finance and banking. Business – Discusses innovation strategy and business development, entrepreneurship, digital marketing, supply chain management, international business, and corporate ethics and social responsibility (CSR). Management – Focuses on strategic management, human resource management, financial and investment management, technology and innovation management, public and educational management, as well as project and quality management.
The Effect of SPayLater and Hedonic Shopping Motivation on Impulsive Buying through Digital FOMO with Self-Control as a Moderator among Farmers/Plantation Workers in Sarolangun Regency
The Buy Now Pay Later (BNPL) feature, such as SPayLater on Shopee, has reshaped consumption patterns among seasonal-income communities, including farmers/plantation workers. This study examines the effect of SPayLater usage and hedonic shopping motivation on impulsive buying, with digital fear of missing out (FOMO) as a mediator and self-control as a moderator, grounded in the Stimulus-Organism-Response (S-O-R) framework. A quantitative causal-associative approach was applied to 150 farmer/plantation-worker respondents who actively use SPayLater in Sarolangun Regency, Jambi, selected through purposive sampling and analyzed using variance-based Structural Equation Modeling (WarpPLS). Results indicate that SPayLater (β=0.351, p<0.001) and hedonic shopping motivation (β=0.306, p<0.001) significantly and positively affect digital FOMO, and FOMO significantly affects impulsive buying (β=0.168, p=0.017). However, the direct effects of SPayLater (p=0.300) and hedonic shopping motivation (p=0.057) on impulsive buying were not significant, and FOMO did not significantly mediate either relationship (p=0.151; p=0.185). Self-control significantly and negatively moderates the FOMO–impulsive buying relationship (β=-0.187, p=0.009), consistent with the Strength Model of Self-Control. This study contributes theoretically by revealing the psychological pattern of digital FOMO in an underexplored seasonal-income agrarian population, and practically by underscoring the importance of digital financial literacy and self-control capacity-building programs.
Copyright (c) 2026 Inovbiz: Jurnal Inovasi Bisnis
Digital Transformation and the Performance of Coastal MSMEs in Blue Economy Perspective: Systematic Literature Review
Digital transformation plays a vital role in improving the competitiveness and sustainability of coastal Micro, Small, and Medium Enterprises (MSMEs) while supporting blue economy principles. This study examines the impact of digital transformation on coastal MSME performance through a Systematic Literature Review (SLR) based on PRISMA 2020 guidelines. Articles were collected from Scopus, ScienceDirect, and Web of Science, with 20 studies selected from 128 identified records for thematic analysis. The findings indicate that digital transformation enhances operational efficiency, market access, innovation, and business competitiveness. Four major themes emerged: digital transformation and MSME performance, enabling and inhibiting factors, business sustainability, and the blue economy perspective. Digital literacy, human resource capabilities, government support, and technological infrastructure were identified as key success factors. The study proposes a conceptual framework integrating digital transformation, digital capabilities, coastal MSME performance, and blue economy principles to support sustainable coastal development.
Social Media Marketing Capability, e-WOM, and Purchase Intention: The Mediating Role of Brand Trust among Culinary SMEs
This study aims to analyze the mediating role of Brand Trust in the relationship between Social Media Marketing Capability (SMMC), Electronic Word of Mouth (e-WOM), and Purchase Intention among culinary Small and Medium Enterprises (SMEs) in Bekasi City, Indonesia. A quantitative causal-explanatory approach was employed. Data were collected from 185 respondents who are consumers of culinary SMEs in Bekasi, using a purposive sampling technique. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 3.0. The results confirm all seven hypotheses. SMMC and e-WOM have a positive and significant effect on Brand Trust. SMMC, e-WOM, and Brand Trust positively and significantly affect Purchase Intention. Furthermore, Brand Trust significantly mediates the effects of both SMMC and e-WOM on Purchase Intention, indicating a partial mediation mechanism. This study integrates SMMC and e-WOM within a single model and positions Brand Trust as a mediator in the context of culinary SMEs in a developing country's urban setting (Bekasi), an area that has received limited attention. Culinary SMEs should focus not only on creating engaging content and encouraging e-WOM but also on consistently building brand trust through reliability, honesty, and safety to convert online activities into actual purchase intentions.
Competitive Advantage Strategies Of Indonesian Digital Banks In The Era Of Banking Revolution And Financial Transformation
Digital transformation has driven the emergence of digital banks as innovative alternatives in Indonesia’s banking industry. However, digital banks in KBMI 1 and 2 categories face strategic challenges in building competitive advantage amid the dominance of major KBMI 4 banks and increasing customer expectations. This study aims to analyze the competitive position of ten Indonesian digital banks using the Competitive Profile Matrix (CPM) approach based on nine key financial ratios: CAR, CIR, NPL, NIM, CASA, LDR, ROE, ROA, and BOPO. The results show that BBHI ranks highest with a score of 3.28, followed by ARTO and AMAR, while BBKP ranks lowest. This study contributes to regulators, bank management, and investors in formulating data-driven strategies to enhance the competitiveness of digital banks.
Factors Determining Career Development among Financial Functional Employees in the Ministry of Social Affairs
Career development of financial functional employees in the Ministry of Social Affairs has become a strategic issue in supporting bureaucratic reform and the implementation of a merit-based civil service system. This study aims to identify the factors determining career development, determine the most dominant factor, and identify factors that are not significant in influencing the career development of financial functional employees in the Ministry of Social Affairs. This study employed a quantitative approach using a survey design. The population consisted of 102 financial functional employees spread across 39 working units of the Ministry of Social Affairs. Saturated sampling was applied so that all members of the population were included as respondents. The study examined five dimensions, namely qualification, competence, performance, organizational needs, and proximity to leaders. Data were analyzed using Principal Component Analysis (PCA) with Varimax rotation and eigenvalue criteria greater than one. The findings revealed that two principal factors explained 69.353% of the total variance. The first factor consisted of competence, performance, organizational needs, and proximity to leaders, while the second factor comprised qualifications. Among these variables, proximity to leaders emerged as the most dominant factor with a loading value of 0.914. Qualifications were found to be less influential and functioned only as a supporting factor. The study concludes that career development among financial functional employees is primarily determined by competence, performance, organizational needs, and leadership proximity. Therefore, the Ministry of Social Affairs should strengthen mentoring programs, improve competency development, align employee performance targets with organizational needs, and enhance data-based manpower planning.
The Dynamics of Re-centralization and Local Government Governance in Indonesia: A Critical Review of the Shift in Authority and Leadership Style of West Java Governor Kang Dedi Mulyadi
This study examines the phenomenon of recentralization in local government governance in Indonesia through a case study of the leadership of West Java Governor Dedi Mulyadi. The study employs a descriptive qualitative approach using a narrative review method to analyze various literature on decentralization, regional autonomy, and public leadership. Previous research indicates that decentralization policies in Indonesia face various challenges, such as disparities in regional capacity, weak oversight, and conflicts of authority between the central and regional governments. On the other hand, several studies have also identified a trend toward re-centralization following the enactment of the Job Creation Law and Law No. 6 of 2023, which reclaimed a number of strategic authorities for the central government. The results of this study indicate that re-centralization aims to improve bureaucratic efficiency and investment, but has the potential to reduce local autonomy and public participation. In the local context, Dedi Mulyadi’s leadership reflects a Sundanese-culture-based centralist model that emphasizes budget efficiency, accelerated development, and public communication through digital media. This leadership model is considered effective in producing responsive policies, yet it still faces challenges in institutional aspects, collaboration, and the sustainability of local government governance.
Implementasi Participating Interest 10% dan Dampaknya terhadap Pendapatan Asli Daerah (PAD) di Provinsi Jambi
This study examines the role of 10% Participating Interest (PI) in strengthening local business and increasing Regional Own-Source Revenue (PAD) in Jambi Province. Using a literature review, regulatory analysis, and secondary WK Jabung production data, this study projects PI contributions for 2026-2030. The results show significant economic potential, with cumulative contributions above IDR 9 trillion under professional and transparent management. Effective implementation requires stronger BUMD capacity, good governance, economic diversification, and central-local fiscal synergy. The study recommends institutional strengthening, transparent reporting, productive investment, and fiscal policy harmonization for sustainable regional development.
The Influence Of Shopee Live Streaming On Skincare Product Purchase Decisions
The purpose of this study is to determine the effect of Shopee Live streaming on purchasing decisions of skincare products among the people of Bengkalis. This research aims to identify how significant the influence of Live streaming is in shaping consumer decisions to buy skincare products, and whether this influence is statistically significant. This is a quantitative study that uses primary data obtained through questionnaires. The sampling technique used is purposive sampling, with a total of 100 respondents. Data collection was carried out through an online questionnaire via Google Forms and analyzed using Validity Test, Reliability Test, Classical Assumption Test, Simple Correlation Test, Simple Regression Test, and Hypothesis Test (T-Test). The results of the study indicate that Shopee Live streaming has an influence on purchasing decisions of skincare products. Shopee Live streaming has a significant effect on the purchasing decisions of the Bengkalis community when it comes to skincare products
The Role of Information Technology and Integrated Marketing Communication on Client Retention With Commitment as a Mediator in The Indonesian Forwarding Industry
The forwarding industry in Indonesia faces challenges of low client retention due to intense competition and weak integration between information technology (IT) and marketing communication. This study aims to examine the mediating role of commitment in the relationship between IT and integrated marketing communication (IMC) on client retention. Using a quantitative approach with a causal-explanatory design, data were collected from 200 respondents consisting of marketing directors, customer relationship managers, and operational managers of forwarding companies that are members of the Indonesia National Freight Forwarders Association (INFA). Data analysis employed Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 3.0. The results confirmed all hypotheses. IT and IMC have a positive and significant effect on client commitment, with IMC showing a stronger influence than IT. Commitment proved to be the strongest predictor of client retention and acted as a partial mediator in the effects of IT and IMC on retention. These findings confirm that commitment serves as a central psychological mechanism that strengthens the impact of technology and communication investments on client loyalty. This study provides theoretical contributions to the Commitment-Trust Theory and practical implications for forwarding managers to allocate resources toward client commitment-building programs, such as long-term contracts and responsive two-way communication
The Impact of Digital Marketing on Consumer Behavior in the Digital Economy Era
This study aims to analyze the influence of digital marketing on consumer behavior in the digital economy era, focusing on the TikTok platform. The rapid development of digital technology has changed consumer behavior, especially in accessing product information and making purchasing decisions. This research uses a quantitative approach with a descriptive method, involving 110 respondents who are active TikTok users. The majority of respondents are aged 18–19 years and dominated by females (60%), with the highest usage intensity of 3–4 hours per day (34.5%). The results show that exposure to digital marketing is relatively high, where most respondents frequently encounter product promotions (40.9%) and promotional content often appears on the For You Page (35.5%). In addition, content quality is considered good, indicated by attractive visuals, creativity, and ease of understanding. However, the level of consumer trust in promotional information is relatively low (56.4%), which affects purchasing decisions and repurchase behavior. Although some respondents show interest in trying products and acknowledge the influence of TikTok on purchasing decisions, many still hesitate to make actual purchases. Therefore, it can be concluded that digital marketing is effective in increasing consumer awareness and interest, but not yet optimal in building trust and encouraging sustainable purchasing decisions.
The Impact of Digital Transformation and Competencies on the Performance of Civil Servants in the City Government of Lubuklinggau
Digital transformation has become a crucial component of bureaucratic reform, as local governments are now required to provide public services that are faster, more transparent, accountable, and data-driven. In practice, the capabilities of civil servants (ASN) are critical to the successful implementation of digital work systems. Therefore, this article aims to analyze the impact of digital transformation and competencies on the performance of civil servants in the Lubuklinggau City Government. This study employs a quantitative approach using an explanatory research design, which seeks to explain the relationships or influences between variables. Primary data were collected through the distribution of questionnaires to ASN within the Lubuklinggau City Government. Additionally, supporting data were obtained from literature reviews, regulations, government documents, and official publications related to the research topic. The collected data were analyzed using descriptive statistics and multiple linear regression to examine the influence of digital transformation and competencies on ASN performance. Research findings indicate that digital transformation has a positive impact on civil servant performance. This means that the use of digital systems can help civil servants work more efficiently, access information more easily, enhance their sense of responsibility, and improve service quality. Civil servants’ competencies also positively influence performance, particularly through improvements in knowledge, digital skills, adaptability, professionalism, and a sense of responsibility in their work. Together, digital transformation and competencies mutually reinforce each other in enhancing civil servant performance. These findings indicate that the success of digital bureaucracy depends not only on the availability of technology but also on civil servants’ ability to effectively utilize that technology. This article concludes that the Lubuklinggau City Government needs to strengthen its digital systems while continuously improving civil servant competencies. Further research is recommended to include additional variables, such as digital leadership, organizational culture, information system quality, and work motivation, to provide a more comprehensive discussion of the factors influencing civil servant performance. Keywords : Digital Transformation, civil cervants, competency, government
The Impact of Mobile Starbucks Expansion and Consum-er Perceived Value on Consumer Preferences for Local Cafes in Bangkinang City Through Local Cafe Image as an Intervening Variable
The expansion of global coffee brands into regional markets, including the presence of Mobile Starbucks (Starling) in Bangkinang City, has intensified competition with local cafes. This study examines the effects of Mobile Starbucks expansion and perceived consumer value on local cafe preference, with local cafe image serving as a mediating variable. A quantitative survey approach was employed. Data were collected from 96 consumers of local cafes in Bangkinang City using structured questionnaires. Multiple linear regression and mediation analysis were conducted using SPSS. The results indicate that Mobile Starbucks expansion has a negative and significant effect on local cafe image, while perceived consumer value has a positive and significant effect on local cafe image. Furthermore, Mobile Starbucks expansion, perceived consumer value, and local cafe image significantly influence local cafe preference. Mediation analysis reveals that local cafe image partially mediates the relationship between Mobile Starbucks expansion, perceived consumer value, and local cafe preference. These findings highlight the strategic role of local cafe image in sustaining consumer preference amid global brand expansion. Strengthening brand image and enhancing perceived value are essential strategies for maintaining the competitiveness of local cafes
Financial Knowledge, Financial Attitude, and Debt Management Behavior: The Moderating Role of Home Ownership Status
This study aims to analyze the influence of financial knowledge and financial attitude on debt management behavior among households in Bogor Regency, while examining the moderating role of home ownership status in these relationships. The research employs a quantitative approach with a cross-sectional survey design, collecting data from 200 heads of households in Bogor Regency using purposive sampling. Variables were measured using Likert scales and analyzed through descriptive statistics and hierarchical regression analysis to test the hypotheses and moderation effects. The results indicate that both financial knowledge and financial attitude have a significant positive impact on debt management behavior, with respondents generally demonstrating good financial knowledge (3.85) and debt management practices (4.01). Furthermore, home ownership status was found to moderate the influence of financial knowledge and attitudes on how individuals manage their debts, reflecting economic stability and long-term financial commitments. In conclusion, financial literacy and positive attitudes are fundamental to healthy debt management, while home ownership acts as a significant contextual factor that can strengthen these relationships. These findings suggest that financial literacy programs should be tailored based on home ownership segmentation to effectively improve household economic resilience
An Analysis of the Impact of Price and Promotions on Purchase Intent and Its Implications for Sales of Skintific Products on Shopee Indonesia
The rapid acceleration of digital transformation in Indonesia has significantly reshaped consumer behavior, especially within the highly competitive beauty and personal care sector on e-commerce platforms. This study aims to comprehensively examine the impact of pricing strategies and promotional activities on the sales performance of Skintific products. The analysis is based on consumer ratings and textual reviews collected directly from the Shopee Indonesia platform. Using a quantitative explanatory approach combined with a non-participant digital observation method, data were selectively gathered from the official Skintific store. The focus was placed on top-selling and highly reviewed skincare and makeup product bundles. The results indicate that pricing and promotions have a strong, interconnected, and statistically significant effect on consumer purchasing decisions. The application of value-based pricing and psychological pricing strategies, particularly through product bundling, effectively reduces consumer sensitivity to price while enhancing perceived value. In addition, promotional strategies such as flash sales and free shipping act as powerful drivers that accelerate purchase decisions, both for rational and impulsive buying behavior. Importantly, customer ratings and online reviews play a crucial moderating role. High ratings (averaging 4.9 out of 5.0) and detailed positive feedback serve as electronic word-of-mouth (eWOM), reducing perceived risk and strengthening the effectiveness of pricing and promotions. The study also highlights differences in behavior: skincare purchases tend to be more rational and review-driven, while makeup purchases are more influenced by promotions and trends. These findings contribute to digital marketing theory and provide practical insights for business strategy optimization.
Early Detection of Financial Distress at PT. Garudafood Putra Putri Jaya Tbk Using Machine Learning Algorithms
This study aims to develop an early warning system to detect potential financial distress at PT Garudafood Putra Putri Jaya Tbk using Machine Learning (ML) algorithms. A quantitative case study approach was applied using the company’s publicly available quarterly financial reports from 2019 to 2024. Five ML algorithms were tested: Logistic Regression, Random Forest, Naive Bayes, K-Nearest Neighbors (KNN), and Support Vector Machine (SVM). The Random Forest algorithm achieved the highest accuracy of 85.71%, with a precision of 100%, recall of 66.67%, and an F1-score of 80%. Operating Profit Margin and Debt to Asset Ratio were identified as the most significant indicators in detecting financial distress. The proposed model can serve as a decision-support tool for management, investors, and regulators to proactively anticipate financial problems and reduce bankruptcy risk through early intervention. Keywords: Abstract, aim, scope, result
The Effect of Trust, Ease of Transaction, and Interface Display on Purchase Decisions with Customer Satisfaction as an Intermediate Variable in Blibli E-Commerce among Students at Sultan Syarif Kasim State University in Riau
Trade and business have grown rapidly with the availability of cyber-based technology facilities. One of the online buying and selling applications in Indonesia is Blibli. This study aims to analyze the influence of trust, ease of transaction, and interface display on purchasing decisions with customer satisfaction as an intervening variable in Blibli e-commerce among students at Sultan Syarif Kasim Riau State Islamic University. The research method used is quantitative with a survey approach using a questionnaire distributed to 100 respondents who have used the Blibli application. The collected data was then analyzed using a structural equation model (SEM) with the help of SmartPLS version 4.0 software.The results of the study indicate that trust, ease of transaction, and interface display have a positive and significant effect on customer satisfaction. Trust and ease of transaction also have a positive and significant effect on purchasing decisions, while interface display has no effect on purchasing decisions. Customer satisfaction has a positive and significant effect on purchasing decisions. Furthermore, trust, ease of transaction, and interface appearance have a positive and significant effect on purchasing decisions through customer satisfaction.
The Influence of Product Quality on Customer Satisfaction at Arabella Bakery Bangkinang
The bakery business sector faces increasingly intense competition, requiring business actors to consistently maintain and improve product quality in order to enhance customer satisfaction. This study aims to analyze the effect of product quality on customer satisfaction at Arabella Bakery Bangkinang. The research employs a quantitative approach using a survey method. Primary data were collected through questionnaires distributed to customers of Arabella Bakery Bangkinang, selected using a purposive sampling technique. The collected data were analyzed using validity and reliability tests, simple linear regression analysis, coefficient of determination, and hypothesis testing. The results indicate that product quality has a positive and significant effect on customer satisfaction at Arabella Bakery Bangkinang. These findings suggest that improving product quality contributes directly to higher levels of customer satisfaction. This study is expected to provide practical insights for the management of Arabella Bakery Bangkinang in formulating strategies to enhance product quality and maintain customer satisfaction.
Copyright (c) 2025 Inovbiz: Jurnal Inovasi Bisnis
The Influence of Workload, Motivation, and Compensation on Employee Performance in Public Relations and Protocol Division of the Regent and Deputy Regent of Buleleng Regency
This study aims to analyze the effect of workload, motivation, and compensation on the performance of employees in the Public Relations and Protocol Division of the Regent and Deputy Regent of Buleleng Regency. The population in this study consisted of all 53 employees in the Public Relations and Protocol Division of the Regent and Deputy Regent of Buleleng Regency. The sampling technique used was saturated sampling, so that the entire population was used as the sample. Data were collected using a questionnaire on a 1-5 Likert scale. Data analysis techniques used multiple linear regression analysis with the help of IBM SPSS version 25. The results showed that workload had a negative and significant effect on employee performance, while motivation and compensation had a positive and significant effect on employee performance in the Public Relations Protocol Division of the Regent and Deputy Regent of Buleleng Regency.
Determinants of Consumer Purchasing Decisions for Aquaviva Packaged Water: An Analysis of Brand Trust, Product Quality, and Digital Marketing with Purchase Intention as a Mediating Factor
The increasing growth of bottled mineral water products has led to a rise in consumer consumption, encouraging the emergence of new drinking water products, one of which is Aquviva. This study investigates the variables that influence purchase intention as an intervening variable and purchase decision among consumers of Aquviva drinking water. This research implemented a quantitative approach through the distribution of an online questionnaire to 120 respondents. The collected data was then analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The analysis reveals a complex dynamic relationship among the research variables. Brand trust and product quality were found to have no direct significant effect on purchase decisions, although product quality shows a positive influence. However, both variables together have a positive and significant effect on purchase intention. Meanwhile, digital marketing shows a direct positive and significant effect on purchase decisions, although its effect on purchase intention is not significant. The key finding of this study confirms the role of purchase intention as a positive and significant intervening variable in mediating the relationship toward purchase decisions.
Analysis of the Relationship between ChatGPT and Learning Outcomes and the Role of Digital Literacy in Individual Learning of Mahkota Tricom Unggul University Students
This study aims to analyze the relationship between ChatGPT usage and learning outcomes, and to examine the role of digital literacy in the context of individual learning. The research method used a quantitative approach with a survey design. The study sample consisted of 120 students selected purposively. Data collection instruments included a Likert scale questionnaire to measure the level of ChatGPT usage and digital literacy, and learning outcomes were measured through academic grades. Data analysis was conducted using the Pearson correlation test and multiple regression analysis. There was a significant positive relationship between ChatGPT usage and learning outcomes (r = 0.41; p<0.01), and digital literacy strengthened this relationship (β=0.28; p<0.05). These findings confirm that optimal use of ChatGPT, supported by good digital literacy, can improve the effectiveness of individual learning.
Evaluating the Role of Polbeng Business Expo in Enhancing the Technological and Marketing Capabilities of MSMEs for Domestic Market Competition
This study aims to evaluate the role of the Polbeng Business Expo in enhancing the technological and marketing capabilities of Micro, Small, and Medium Enterprises (MSMEs) in Bengkalis to face domestic market competition. Employing a mixed-methods explanatory sequential design, the research collected quantitative data from 100 MSME participants through surveys, supplemented by qualitative insights from in-depth interviews and focus group discussions. The findings demonstrate that the expo significantly improved participants' technological capabilities, including digital tool awareness, e-commerce utilization, social media marketing, and digital payment systems. Marketing capabilities, particularly brand identity development and digital content creation, also showed substantial enhancement. Regression analysis confirmed a strong positive impact of these enhanced capabilities on MSMEs' competitive performance. However, the study identified persistent barriers to long-term success, including limited digital literacy, financial constraints, and a critical lack of sustained post-expo mentoring. The study concludes that while the Polbeng Business Expo is an effective catalyst for initial capability building, its long-term impact requires a more integrated empowerment model. The research offers practical recommendations for expo organizers, educational institutions, and local governments, emphasizing the need for structured pre-expo assessments, an enhanced curriculum, and a robust post-expo support system to ensure sustainable MSME development.
Analysis Of The Business Potential Of Stevia In Indonesia: Opportunities, Challenges, And Market Prospect
This study explores the commercial viability of stevia in Indonesia, emphasizing the prospects, obstacles, and future market potential of this natural sweetener. The research integrates both qualitative and quantitative approaches, such as literature reviews, analysis of primary data, and inferences based on regional clusters, to offer an all-encompassing insight into the stevia sector. Indonesia's expansive fertile territory and growing health-oriented consumer population offer a considerable market for stevia as a sugar substitute. Nonetheless, issues like low output from local stevia varieties, ineffective post-harvest handling, and rivalry from other sweeteners must be tackled. The study highlights important demand clusters in Java, North Sulawesi, and Central Java, emphasizing prospects for both Business-to-Business (B2B) and Business-to-Consumer (B2C) marketplaces. Moreover, it highlights the significance of advancing farming methods and processing technologies to boost competitiveness. The results indicate that through effective policies, investments, and innovations, Indonesia can leverage the increasing worldwide demand for stevia and position itself as a key supplier. The research ends with tactical suggestions for stakeholders to enhance the business opportunities of stevia in Indonesia
The Influence of Promotion On Customer Transaction Interest In Gold Installment Products At PT. Bank Syariah Indonesia (Bsi) Kcp. Duri Hangtuah 1
The purpose of this study is to analyze respondents’ perceptions of promotional activities related to gold installment products, to analyze respondents' responses regarding their interest in transacting with gold installment products, and to analyze the influence of promotions on customers' interest in transacting with gold installment products at PT. Bank Syariah Indonesia KCP. Duri Hangtuah 1. This research uses quantitative data types. This type of research is associative research. Using primary data sources (questionnaires). The sampling technique employs Nonprobability Sampling with a total of 100 respondents. Data collection is done using a questionnaire distributed online to customers of Bank BSI KCP. Duri Hangtuah 1, who are the respondents, and is analyzed using validity tests, reliability tests, classical assumption tests, simple correlation tests, simple linear regression tests, and T-tests. The results of this study indicate that there is a response from respondents that there are promotions on gold installment products, There is interest in transacting with the gold installment product, and promotions have a positive and significant effect on customers' interest in transacting/purchasing the gold installment product at PT. Bank Syariah Indonesia KCP. Duri Hangtuah 1
Effective Analysis of Digital Marketing and Financial Reports at Batik Fahira Sumenep MSME
This study aims to analyze the effectiveness of digital marketing and finance analysis on Batik Fahira Sumenep MSME in the effectiveness of digital marketing and batik finance for the owner or owner of Batik Fahira Sumenep MSME, with the main focus on the success of digital marketing and financial management. Digital marketing is very necessary to promote batik products in the current digital era, the challenges faced are the start of many competitors not only among batik tulis fahira but also batik cap and abstract which are increasingly in the market, and must be supported by good financial report management. The method in this study is a qualitative case study that focuses on batik fahira sumenep MSME. The results of the study show that the digital marketing element is traffic there are visitors who are starting to crowd to take information through social media, conversion relationships and closeness of owners and partners are very good especially cooperation in sharing products and engagement is prioritized to add relationships and always intensely provide consumers with information related to the latest products through social media accounts, related to the management of financial reports is still manual.
Financial Behavior Of Students At Islamic College In Pekanbaru City
This study aims to analyze the influence of fintech payment, financial inclusion, parental income, and social environment on financial management behavior of students at Islamic universities in Pekanbaru City. The background of this study is based on the rapid growth of fintech use among generation Z, changes in digital financial transaction patterns, and the importance of personal financial management for students. The study used a quantitative method by distributing questionnaires to 100 respondents selected through purposive sampling techniques. Data were analyzed using multiple linear regression with the help of SPSS software. The results of the study showed that partially fintech payment, financial inclusion, parental income, and social environment had a significant effect on financial management behavior of students. Simultaneously, the four independent variables also had a significant effect on financial management behavior of students. These findings indicate that ease of access to digital finance, level of financial inclusion, parental income, and the influence of the social environment play an important role in shaping students' financial management behavior. Therefore, efforts are needed to improve financial literacy and students' awareness in managing finances wisely in order to support financial well-being in the future..
The Effect Of Self Management And Financial Literacy On The Management Of Online Loans By Young Entrepreneursin South Sumatera
This study aims to analyze the influence of self-management and financial literacy on the management of online loan funds among young entrepreneurs in South Sumatra Province. The background of this research lies in the increasing use of online lending (financial technology lending) as an alternative source of financing for young entrepreneurs, which often leads to ineffective fund management due to poor self-regulation and low financial literacy. This study employs a quantitative explanatory approach with a population of young entrepreneurs in South Sumatra who have used online loans. A total of 120 respondents were selected using purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS version 26. The results indicate that self-management and financial literacy have a positive and significant effect on online loan fund management, both partially and simultaneously. The coefficient of determination (R²) of 0.512 shows that 51.2% of the variation in online loan fund management can be explained by these two variables, while the remaining 48.8% is influenced by other factors such as financial attitude, business experience, and social influence. The study concludes that self-regulation and financial understanding are key determinants of healthy and productive financial behavior among young entrepreneurs. The findings are expected to serve as a basis for local governments, financial institutions, and fintech providers in developing financial literacy and self-management training programs to encourage responsible and sustainable online loan utilization.
Cognitive Ability and Employee Performance: The Strategic Importance of Organizational Commitment as a Mediator
This study investigates the relationship between cognitive ability, organizational commitment, and employee performance in the context of Indonesia’s private-sector companies. Using a quantitative explanatory approach and SEM-PLS analysis, data were collected from 100 permanent employees to examine both direct and mediating effects. The results indicate that cognitive ability does not significantly influence employee performance directly. However, it has a significant positive effect on organizational commitment, which in turn strongly predicts employee performance. Furthermore, organizational commitment is found to mediate the relationship between cognitive ability and performance, highlighting its role as a psychological mechanism that converts cognitive potential into tangible outcomes. These findings suggest that cognitive ability alone is insufficient to enhance performance without emotional engagement and commitment. The study contributes to organizational behavior theory by affirming the importance of integrating cognitive and affective dimensions in human resource practices. Practically, organizations are encouraged to design interventions that not only develop intellectual capacity but also foster organizational commitment through leadership support, recognition, and alignment of values. This integrated approach is essential to maximizing employee potential and sustaining high performance in dynamic work environments.
Strengthening the Role of Coastal Women in the Blue Economy Ecosystem
Fishermen Village, Medan Belawan Sub-district is one of the strategic coastal areas but also faces complex challenges, such as environmental degradation, limited infrastructure, and low community access to sustainable economic empowerment programs. Women in this area have high capacity and participatory spirit, but have not been involved in many blue economy-based empowerment programs. The urgency of this research is because Kampung Nelayan in Medan Belawan Sub-district is one of the strategic areas with great marine and fisheries potential, but there is no model and systematic approach that elevates the role and potential of coastal women in blue economy-based development in this area. In fact, strengthening the capacity and participation of women is very important not only to improve the welfare of fishing families, but also as a driver of an inclusive and sustainable local economy. The purpose of this study is to analyze the influence of knowledge about the blue economy, access to resources and training, active participation in coastal economic activities and community and family support on the level of contribution/role of coastal women in the blue economy ecosystem in Kampung Nelayan, Medan Belawan Subdistrict. This study uses a quantitative approach using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results showed that knowledge of the blue economy has a positive and significant effect on the level of contribution/role of coastal women in the blue economy ecosystem with a coefficient of 0.503 and a P value of 0.000, which means that the effect is very significant.
Influencer Perspectives on Digital Marketing: Strategies, Challenges and Best Practices in Content Creation and Brand Collaborations
This research explores influencer perspectives on digital marketing, focusing on their strategies, challenges, and best practices in content creation and brand collaborations. Their audience building strategies emphasize consistency in content creation, niche focus, and proactive engagement with followers. Preferred content formats video based, such as TikTok videos and Instagram Reels, due to their interactivity and wide reach. The study employs a qualitative research approach, drawing insights from semi-structured interviews with 17 influencers across diverse niches, including fitness, fashion, beauty, gaming, and lifestyle. Key findings reveal that influencers are primarily motivated by personal passion, the desire to build personal branding, and emotional connection with their audience. The research offers practical recommendations for brands, stressing the importance of clear communication, understanding influencer characteristics, offering creative freedom, and building long-term relationships. This study contributes to the digital marketing literature by providing empirical insights into the operational realities of influencer marketing from the perspectives of those at its core, offering practical guidance for effective influencer and brand partnerships.
Timeliness of Financial Reporting: The Interplay Between Tax Avoidance and Public Accounting Firm Reputation
This study aims to analyze the effect of tax avoidance and the reputation of public accounting firms (PAFs) on the timeliness of financial reporting, as well as to examine the moderating role of PAF reputation in the relationship between tax avoidance and reporting timeliness. Timely financial reporting is a critical indicator of transparency and corporate governance, particularly for publicly listed companies that are subject to annual financial reporting regulations. This research employs a quantitative associative approach using secondary data from companies listed on the Indonesia Stock Exchange (IDX) for the 2020–2023 period. The sample was selected using a purposive sampling method, resulting in 108 firms that met the research criteria. The findings reveal that tax avoidance has a significant negative effect on financial reporting timeliness. Although the direct influence of PAF reputation on timeliness is not statistically significant, PAF reputation is found to significantly moderate the relationship between tax avoidance and timely reporting.