{"title":"Behavioral Intention to Use Fintech Asset Management among Millennial and Gen Z: Case Study on Ajaib Application in Indonesia","authors":"Alfika Muliawaty Kusuma, Rita Kusumawati","doi":"10.32503/jmk.v8i3.4007","DOIUrl":"https://doi.org/10.32503/jmk.v8i3.4007","url":null,"abstract":"This research aims to identify the factors influencing the intention to use fintech asset management among Indonesian Millennials and Gen Z, specifically focusing on the Ajaib application as the fintech asset management platform. The sample was selected using purposive sampling, and a total of 123 respondents were included. Data collection was conducted through an online survey. This study employed the partial least squares structural equation modeling (PLS-SEM) analysis technique with the assistance of smartPLS 3 software. The results of the research indicate that the variables of performance expectancy and effort expectancy have a positive and significant impact on the behavioral intentions of Millennials and Gen Z users of Ajaib. However, the variables of social influence and facilitating conditions do not have a significant influence on the behavioral intentions of Millennials and Gen Z users of the Ajaib application.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"24 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139257915","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Innovation of Village Financial System Application (Seskeudes) in the Perspective Of Herbert A. Stepard Theory","authors":"Sinollah Sinollah, Mashur Hasan Bisri, Rr. Hesti Setyodyah Lestari, Imron Rosyadi Hamid","doi":"10.32503/jmk.v8i3.4298","DOIUrl":"https://doi.org/10.32503/jmk.v8i3.4298","url":null,"abstract":"Village Law Number 6 of 2014 as a strategic policy for village governments to improve the welfare of village communities. The purpose of this research is to describe and analyze the innovation process of the Village Financial System (Siskeudes) in Sempu Village, Ngebel sub-district, Ponorogo Regency. To achieve these objectives, this study uses a qualitative descriptive research method with data collection techniques through observation, interviews and documentation. The results of this study indicate that judging from the process of implementing Siskeudes in Sempu Village, Ngebel sub-district, Ponorogo Regency, it has fulfilled the innovation requirements based on Herbert A. Shepard's theory which consists of: finding ideas (problem identification, information gathering, interpretation, statements and attitudes). ), adoption (socialization and modification) and application (resource preparation, personnel placement, education and training, monitoring and evaluation) of Law Number 6 of 2014 concerning Villages.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"21 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-10-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139314779","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Analysis of Challenges and Opportunities for Micro, Small, and Medium Enterprises (MSMEs) in the Digital Era in a Systematic Literature Review","authors":"Susi Evanita, Zul Fahmi","doi":"10.32503/jmk.v8i3.4190","DOIUrl":"https://doi.org/10.32503/jmk.v8i3.4190","url":null,"abstract":"This Systematic Literature Review explores the challenges and opportunities faced by Micro, Small, and Medium Enterprises (MSMEs) in the era of digital technology. This review aims to identify and analyse the challenges and opportunities of Micro, Small, and Medium Enterprises (MSMEs) in the digital era. The research method used was a thorough search of relevant literature using predetermined search criteria, resulting in 320 articles that met these criteria. These articles were further screened based on their relevance to the research questions, and finally, 58 articles were selected for analysis. The results show that the digital era offers significant opportunities for MSMEs, especially in terms of increased access to markets, resources and information. However, MSMEs also face various challenges, including a lack of digital literacy, limited resources, and intense competition. This study highlights the need for MSMEs to embrace digital technology and develop strategies to overcome these challenges. Overall, this systematic literature review provides valuable insights into the challenges and opportunities for MSMEs in the digital era and emphasises the importance of adapting to the changing business landscape. The findings of this research have practical implications for policymakers, MSMEs and other stakeholders interested in MSME development in the digital era.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"101 1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-10-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139314863","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Revolutionizing Resilience: MSMEs' Journey with Digital Strategies in Post-Pandemic Recovery","authors":"Reza Sarif, Rosya Mawaddah Susanto, Nora Ria Retnasih, Segaf Segaf","doi":"10.32503/jmk.v8i3.4145","DOIUrl":"https://doi.org/10.32503/jmk.v8i3.4145","url":null,"abstract":"The Covid-19 pandemic that has occurred since 2020 has resulted in many business sectors experiencing a decline in performance, and some have even been forced to go bankrupt. This study aims to find out the digital-based strategies implemented by small, micro, and medium enterprises (MSMEs) in maintaining their business amidst economic uncertainty due to the health crisis. The method used in this study is a descriptive qualitative approach with primary data sources. The technique uses interviews with informants who are determined by purposive sampling based on certain criteria. So that in this study, 5 Respondents were business actors in the digital-based culinary field. The data analysis stage carried out in this study consisted of data reduction, then data presentation. And the next data analysis is to conclude from the information that has been obtained. The results of the study show that the digital strategy carried out by MSME actors during the economic recovery is digital marketing. By implementing this strategy, changes to the businesses run by MSME players are quite significant. This can be seen from the increase in income compared to during the pandemic. So, to be able to survive in their business, MSME players need to develop their digital literacy skills by participating in various digital marketing and digital media training.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"30 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-10-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139323904","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Empirical Study on Factors Related Attitudes on Fast-Food Consumption among University Students in Malaysia","authors":"Lu Man Hong, Kang Yee Ming","doi":"10.32503/jmk.v8i3.4156","DOIUrl":"https://doi.org/10.32503/jmk.v8i3.4156","url":null,"abstract":"Fast food is a type of cuisine that may be swiftly made and offered to customers at a low cost. Time by time, changes in client demand, such as taste and lifestyle, may be detected, leading to the launch of several new menus by fast food companies to meet customer desire. This has an impact on the attitudes of university students on fast food eating during the period. The purpose of this study is to look at the link between flavour, time savings, and promotion attractiveness, towards university students' attitude about fast food intake. A study comprising 384 respondents from Malaysian colleges was done utilising online questionnaires using Google Form. All data was proceeded by SPSS software 26.0. The findings revealed that the three independent variables are significantly related to dependent variable. This study can help researchers to find out more about fast food and the information provided can be used as reference material in the future.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"12 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-10-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139323891","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
B. Burhanudin, Raden Roro Windy, Syed Muntasir Husain Bokhari
{"title":"How Customer Engagement Leads to Word-of-Mouth and Continuance Intention? The Mediating Role of Satisfaction","authors":"B. Burhanudin, Raden Roro Windy, Syed Muntasir Husain Bokhari","doi":"10.32503/jmk.v8i3.4071","DOIUrl":"https://doi.org/10.32503/jmk.v8i3.4071","url":null,"abstract":"With active participation from halal tourism visitors, managers can comprehend visitors’ needs and expectations. This information can be utilized to enhance services and adapt to tourism requirements. The purpose of this study is to examine the effect of customer engagement on satisfaction, as well as its effect on both continuance intention and word-of-mouth (WOM). Additionally, this study examines the mediation of satisfaction on the effect of customer engagement on continuance intention and the effect of customer engagement on WOM. A survey was conducted to test these effects, involving 250 visitors of Al-Aqsa Holy Tower Mosque, Kudus, Indonesia. Structural equation modeling was employed to analyze the data in this study. The analysis results reveal that customer engagement influences satisfaction, which subsequently affects WOM and continuance intention. In addition, satisfaction mediates the effect of customer engagement on continuance intention and the effect of customer engagement on WOM. These findings indicate that tourism managers can leverage customer engagement to sustain the development of their tourism industry.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"17 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-10-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139324740","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Impact of Trust in Technological Innovation, Financial Literacy, and Social Influence Factors on Motivation in M-Banking","authors":"Yenny Kornitasari","doi":"10.32503/jmk.v8i3.4119","DOIUrl":"https://doi.org/10.32503/jmk.v8i3.4119","url":null,"abstract":"The rapid development of technology has resulted in various facilities for humans to be able to carry out various kinds of activities. One of the technological innovations from the banking sector is the presence of m-banking services. The purpose of this study was to find out and examine how the influence of technology trust, financial literacy and social influence on customer interest in using m-banking. The data collection method uses a questionnaire conducted to bank customers throughout Indonesia via Google Form. The data is processed using Principal Component Analysis (PCA) in order to obtain a new, simpler variabel. The data analysis method used in testing the hypothesis in this research is multiple linear regression analysis technique. The results show that technology trust has a significant effect on interest in using m-banking, as evidenced by the value of Sig. 0.000 <0.05, which means the higher the technology trust, the higher the interest in using m-banking. The results showed that the financial literacy variabel had a significant effect on interest in using m-baking, as evidenced by the value of Sig. 0.000 <0.05, which means the higher the financial literacy, the higher the interest in using m-banking. The results showed that the social influence variabel had a significant effect on interest in using m-baking, as evidenced by the value of Sig. 0.009 < 0.05 which means the higher the social influence received, the higher the interest in using m-banking.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"40 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-10-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139324733","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Konflik pada Tempat Kerja Berdasarkan Gaya Kepemimpinan Toxic di Perguruan Tinggi: Systematic Literature Review","authors":"Febrisi Dwita, Leony Agustine, Supardi Supardi, Shalahuddin Shalahuddin","doi":"10.32503/jmk.v8i1.3306","DOIUrl":"https://doi.org/10.32503/jmk.v8i1.3306","url":null,"abstract":"There have been many studies discussing toxic leadership styles, and their impact on organizational culture, missions, and individuals. However, it is rare to find explicit discussions about toxic leadership styles, especially in a complex and comprehensive manner in education, especially universities/universities. The term \"toxic leadership\" was first introduced in 1996 (Whicker, 1996), where it began to discuss the role of influencing leadership culture in business and military institutions. However, empirical literature began to be carried out in 2007 (Padilla et al., 2007) which linked leadership with the concept of the Higher Education system with the phenomenon of \"social learning\". To better understand the development process regarding this variable which was carried out in 2000 at this time, the author will use a systematic literature review analysis of previous research regarding the influence of toxic leadership in tertiary institutions from three different perspectives including: 1). How to understand toxic leadership in influencing organizational culture? 2). How to understand toxic leadership in influencing employee morale (morale) in college? as well as 3). Examine the role of toxic leadership in shaping the work environment of employees, so as to improve performance in an organization.","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"163 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123753360","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Kinerja Keuangan terhadap Price Book Value disaat Pandemi Covid-19 pada Bank Umum di Indonesia","authors":"Achmad Zaki","doi":"10.32503/jmk.v8i1.3158","DOIUrl":"https://doi.org/10.32503/jmk.v8i1.3158","url":null,"abstract":"At the beginning of 2020 economic development in Indonesia experienced a slowdown due to the Covid-19 pandemic which had an unfavorable impact on service and goods companies, namely by limiting operational performance which greatly affected the decrease in income earned, especially service companies such as bank companies. The purpose of this study was to examine the condition of the capital adequacy ratio, return on assets, and net interest margin at banks in Indonesia during the Covid-19 pandemic. The research sample consists of fifteen banks, which use a saturated sampling approach, namely banks listed on the Indonesian stock exchange and the data used is secondary data obtained from annual reports and the Indonesia Capital Market Directory (ICMD) on audited banks from 2020 until 2021 which can be accessed on the IDX website. This study uses multiple regression analysis to test three financial ratios, namely capital adequacy ratio (CAR), return on assets (ROA), and net interest margin (NIM) to Price Book Value (PBV). The findings of this study reveal that the capital adequacy ratio (CAR), return on assets (ROA), and net interest margin (NIM) have a significant positive effect on Price Book Value (PBV) during the COVID-19 pandemic","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122702051","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Ari Ani Dyah Setyoningrum, Kirtyana Nindita, Eviyanti Sirait, Deri Herdawan
{"title":"Model Pendidikan Kewirausahaan yang Ideal untuk Menumbuhkan Entreprenuer Muda","authors":"Ari Ani Dyah Setyoningrum, Kirtyana Nindita, Eviyanti Sirait, Deri Herdawan","doi":"10.32503/jmk.v8i1.3167","DOIUrl":"https://doi.org/10.32503/jmk.v8i1.3167","url":null,"abstract":"Pertumbuhan wirausaha baru dalam memperkuat ekonomi berbasis inovasi dan teknologi sangat diperlukan. Sinergi dunia pendidikan dengan pengembangan wirausaha menjadi hal penting. Menumbuhkan jiwa kewirausahaan bagi mahasiswa merupakan alternatif jalan keluar untuk mengurangi tingkat pengangguran. Pendidikan kewirausahaan diberikan dengan harapan memotivasi dan menjadi bekal ilmu untuk berwirausaha. Namun pada kenyataannya, pendidikan kewirausahaan tidak secara langsung membuat lulusan untuk berani membuka usaha. Pemikiran lulus mencari kerja masih banyak ditemui, sehingga tingkat pengangguran terdidik meningkat. Politeknik harus memahami realitas saat ini dengan menciptakan wirausaha muda yang inovatif, kreatif dan terdidik. Pendidikan kewirausahaan harus dapat menumbuhkan jiwa wirausaha di kalangan mahasiswa. Untuk menumbuhkan jiwa wirausaha di kalangan mahasiswa diperlukan pembelajaran berbasis aktivitas. Penelitian ini bertujuan menghasilkan gambaran pendidikan kewirausahaan di vokasi kemaritiman melalui kurikulum yang dikembangkan berdasarkan tujuan pembelajaran, materi, metode dan evaluasi pembelajaran serta membuat model pendidikan kewirausahaan. Pendidikan kewirausahaan seharusnya menumbuhkan perilaku sesuai dengan karakter wirausaha. Model pendidikan kewirausahaan yang tepat akan mampu menumbuhkan motivasi untuk berwirausaha, membangun sikap mental wirausaha, meningkatkan keterampilan berwirausaha, serta menumbuhkan wirausaha baru yang berlatar belakang pendidikan tinggi. \u0000 \u0000Kata kunci: Model Pendidikan, Wirausaha, Vokasi Maritim","PeriodicalId":276739,"journal":{"name":"JMK (Jurnal Manajemen dan Kewirausahaan)","volume":"75 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125949791","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}