Widya Cipta: Jurnal Sekretari dan Manajemen
type: channel
description: Widya Cipta: Jurnal Sekretari dan Manajemen first publication in 2017 with P-ISSN: 2550-0805 E-ISSN: 2550-0791 contains scientific writings on conceptual ideas, studies, theoretical applications, literature studies, and research results that have a focus on management, social, secretarial, economic, and business developments. Widya Cipta: Jurnal Sekretari dan Manajemen published by LPPM Universitas Bina Sarana Informatika Widya Cipta: Jurnal Sekretari dan Manajemen has been accredited by Sinta 3 Ministry of Research, Technology and Higher Education of the Republic of Indonesia based on No. SK : 225/E/KPT/2022 Date 07-12-2022 Issues Volume 1 Number 1 to Volume 9 Number 2 are available via the link https://ejournal.bsi.ac.id/ejurnal/index.php/widyacipta
publisher: Universitas Bina Sarana Informatika
language: en
publication name: Widya Cipta: Jurnal Sekretari dan Manajemen
issn: 2550-0805
items: Analysis of CSR Disclosure Practice in Sustainability Reports: A Case Study of Mining and Agriculture Companies in the Indonesia Sharia Stock Index
items: The Effect of Service Quality Dimensions, Perceived Value, Customer Satisfaction, and Brand Love toward Customer Retention on First Media’s Subscribers
items: Mapping The Research Landscape of Customer Loyalty on Beauty Clinic Consumers
items: The Mediation of Buying interest to Shopping Lifestyle and Discount on Product Purchase Decision
items: Brand Reputation on Brand Performance in Surplus Indonesia
items: Factors Influencing Behavior and Financial Welfare of MSMEs
items: Integration of Balanced Scorecard and Analytical Hierarchy Process as a Method of Performance Measurement and Target Strategy Selection
items: Hyper-Personalization For Customer Innovativeness, Customer Involvement and Adoption Intention
items: Exploration of Enterprise Risk: An Analysis of Financial Leverage, Intangible Assets, and Earnings Management Practices
items: Moderating Effect of Trust on Determinants of Customer Satisfaction Factors
items: Customer Loyalty Model of Export Product Shipment Certification
items: Innovation and Digitalization: Driving Forces for Corporate Competitiveness and Longevity
items: Determinants of Unemployment: Empirical Evidence from Indonesia
items: Measuring Benefits of Hajj Zam-Zam Savings Bank Panin Dubai Syariah Bandung Through Product Quality and Service
items: Optimal Portfolio Analysis Using Markowitz Model and Single Index Model
items: A Comparative Analysis PT Mitra Adiperkasa, Tbk of the Pandemic's Impact on Similar Businesses in the Retail Sector
items: The Role of Tiktok Social Media in Increasing Students Interest Entrepreneurship
items: Digital Marketing Strategy and Customer Rating: Impact on Purchase Decisions at Sinar Mandiri
items: An Analysis of Window Dressing Practices in ASEAN Healthcare Companies in 2023
items: Improving the Success of Culinary MSMEs through Product Innovation, Social Capital, and Digital Marketing: A Competitive Advantage Approach
items: Digital Marketing Adoption: Insights from Small and Medium Street Food Vendors
items: Green Trust as Mediator in Green Sharing Intention of Palmyra palm Packaging among Generation Z
items: The Relationship Between Poverty Levels Among Men and Women and the Indonesian Economy
items: The Influence of Perceived Usefulness and Cashback Reward Program Mediated by E-wallet Engagement on E-wallet User Satisfaction
items: Data Privacy Risk Governance in Hospital Management Information System: A Proposed Framework for Hospital in Padang
items: The Role of Entrepreneurial Leadership and Competence in Enhancing MSME Performance: A Case Study in Jember Regency
items: Social Media Literacy's Impact on Entrepreneurial Interest Among Secretarial Students with Digital Financial Literacy Moderation
items: Digital Transformation of Women-Owned MSMEs: Marketing Strategies to Adapt to The Dynamics of Consumer Behavior in The Digital Era
items: The Performance of Islamic Bank in Terms of Human Resources, Outstanding Loans, and NPF: Mann-Whitney Analysis
items: Exploring the Direct and Mediated Impacts of User Perceptions on Intention to Use E-Wallets

Analysis of CSR Disclosure Practice in Sustainability Reports: A Case Study of Mining and Agriculture Companies in the Indonesia Sharia Stock Index
type: item
description: The urgent need for CSR disclosure is not only for the company's internal needs in accountability, transparency, risk management, and business sustainability but also includes compliance with regulations and ensuring the reputation of the company's image for the trust of stakeholders, especially the surrounding community. The current situation related to the activities of mining and agricultural companies, which are risky and sensitive to the social environment and political economy, has become a major concern for various parties in Indonesia. Corporate Social Responsibility (CSR) has now become an obligation for companies that run their business activities directly or related to natural resources, which can be reported in the sustainability report. The study aims to determine the description of CSR disclosure practices in sustainability reports with the Sharia Enterprise Theory (SET) approach. The measurement indicators used are the GRI Standard and Sharia compliance, which consists of 4 categories in measuring CSR disclosure carried out by the content analysis method. This research was conducted on companies listed on the Indonesian Sharia Stock Index (ISSI). The number of samples in this study was 11 companies consisting of 6 mining companies and five agricultural companies obtained by purposive sampling technique. This study did not include the 2020-2024 period in the analysis because the global economic crisis due to the COVID-19 pandemic made companies change their priorities. The results showed that, in general, the concept of SET in CSR disclosure has been applied by companies in terms of habluminallah and habluminannas, with an average disclosure of 47 items out of 123 items per company. The company that disclosed the most was PT Timah Tbk, with a score of 65 items, and the lowest was PT Austindo Tbk, which had 30 items. Our findings have alternative implications for the government in several ways, including strengthening regulations and policies, supervisi…
subject: Articles
  topic: section
subject: Agricultural
  topic: keywords
subject: Corporate Social Responsibility
  topic: keywords
subject: Mining Companies
  topic: keywords
creator: Nurafifah Wulandari
creator: Rahmat Saleh
rights: Copyright (c) 2024 Nurafifah Wulandari, Rahmat Saleh https://creativecommons.org/licenses/by-sa/4.0
date: 2024-09-03
publication date: 2024-09-03
starting page: 153
ending page: 161
doi: 10.31294/widyacipta.v8i2.12236

The Effect of Service Quality Dimensions, Perceived Value, Customer Satisfaction, and Brand Love toward Customer Retention on First Media’s Subscribers
type: item
description: In the dynamic telecommunications sector, customer retention is of paramount importance for companies like First Media in Indonesia, given the rapid technological advancements and increasing demand for high-quality services. This study explores the factors influencing customer retention, including service encounter communication, internet service quality, service convenience, perceived value, customer satisfaction, and brand love. Service encounter communication, service convenience, and internet service quality are examined in relation to their effect on perceived value, customer satisfaction, and customer retention. A comprehensive survey was conducted using Google Forms, with 49 indicators distributed across these variables, and data analysis was performed with 313 samples using Partial Least Squares - Structural Equation Modeling (PLS-SEM). The results indicate that service encounter communication has a positive and significant effect on perceived value, customer satisfaction, and customer retention. Service convenience positively affects customer satisfaction but does not affect perceived value or customer retention. Internet service quality has a positive influence on perceived value. Perceived value enhances customer satisfaction, leading to improved customer retention and brand love, which in turn positively influences customer retention. This study provides valuable insights for First Media to enhance customer retention and satisfaction. However, it has limitations in terms of variable selection and testing, suggesting opportunities for future research to explore additional factors contributing to customer retention and brand management.
subject: Articles
  topic: section
subject: Service quality
  topic: keywords
subject: Perceived value
  topic: keywords
subject: Brand love
  topic: keywords
creator: Irwanto Halim
creator: Margaretha Pink Berlianto
rights: Copyright (c) 2024 Irwanto Halim, Margaretha Pink Berlianto https://creativecommons.org/licenses/by-sa/4.0
date: 2024-08-12
publication date: 2024-08-12
starting page: 139
ending page: 152
doi: 10.31294/widyacipta.v8i2.12235

Mapping The Research Landscape of Customer Loyalty on Beauty Clinic Consumers
type: item
description: Beauty skin care has now become a necessity for everyone who wants healthy skin. The lifestyle of women demands more attention to appearance, for that skin care is very important for everyone. Skin and facial care is one of the main needs of modern women who will support their activities. This need is so noticed by skin health and beauty care service companies, that various skin and facial care clinic businesses have sprung up, especially in big cities. This paper contributes to this field by presenting an analysis of new econometric literature on academic research on customer loyalty in the beauty clinic industry. This method utilizes tools like VOSviewer to visualize and analyze bibliographic data, enabling researchers to identify key concepts, research directions, and emerging trends in a particular field. VOSviewer, a widely used software, helps in mapping relationships between concepts, determining research trends, and providing insights for future studies.sing. This study reviewed the comprehensive Scopus database, analyzing 383 documents to identify key metrics, such as influential publication sources, keywords, countries, affiliations, and authors. The results revealed a growing number of publications related to consumer loyalty.
subject: Articles
  topic: section
subject: Customer loyalty
  topic: keywords
subject: Bibliometric analysis
  topic: keywords
subject: Customer satisfaction
  topic: keywords
creator: Vina Islami
rights: Copyright (c) 2024 Vina Islami https://creativecommons.org/licenses/by-sa/4.0
date: 2024-08-12
publication date: 2024-08-12
starting page: 132
ending page: 138
doi: 10.31294/widyacipta.v8i2.12234

The Mediation of Buying interest to Shopping Lifestyle and Discount on Product Purchase Decision
type: item
description: This study aims to determine the effect of shopping lifestyle on buying interest, discounts on buying interest, buying interest in purchasing decisions, shopping lifestyle on purchasing decisions through buying interest and discounts on purchasing decisions through product buying interest in the Shopee Indonesia marketplace. This study uses a quantitative approach, with an unknown population and a sample of 200 respondents. The sampling technique uses a statistical calculation method, namely using the Hair et al formula. While the type of sample used is purposive sampling, the analysis method uses Structural Equation Modeling (SEM) SmartPLS software version 3.0. The results showed that shopping lifetsyle had a positive and significant effect on purchase intention, discount had a positive and significant effect on purchase intention, purchase intention had a positive and significant effect on purchasing decisions, shopping lifestyle had a positive and significant effect on purchasing decisions through purchase intention, discount had a positive and significant effect on purchasing decisions through purchase intention. The practical implications of this research are expected to help shopee companies to maintain sales promotions by providing discounts to their consumers, because shopping lifestyle and discounts have a significant influence on buying interest and purchasing decisions.
subject: Articles
  topic: section
subject: Shopping Lifestyle
  topic: keywords
subject: Discount
  topic: keywords
subject: Purchase Interest and Purchase Decision
  topic: keywords
creator: Budiman Abdulah
creator: Dewa Putu Yohanes Agata L. Sandopart
creator: Denintha Dwi Hapsari
rights: Copyright (c) 2024 Budiman Abdulah, Dewa Putu Yohanes Agata L. Sandopart, Denintha Dwi Hapsari https://creativecommons.org/licenses/by-sa/4.0
date: 2024-07-25
publication date: 2024-07-25
starting page: 125
ending page: 131
doi: 10.31294/widyacipta.v8i2.12230

Brand Reputation on Brand Performance in Surplus Indonesia
type: item
description: The research presented here examines the impact of brand reputation on brand performance using the Indonesian Surplus case study. The study employed a quantitative descriptive methodology, surveying one hundred respondents in Jakarta who used the Surplus Indonesia application and purchased goods from partners between July and December 2023. Purposive sampling was used to select the target audience. Data analysis was conducted using Partial Least Square (PLS) with Smart PLS version 4.1 to accurately assess the relationship between brand reputation and brand performance. Respondents answered questionnaires distributed via Google Forms, which included a Likert scale ranging from one to five to measure perceptions of brand reputation and performance. The study's findings indicate that brand reputation has a significant and positive impact on brand performance, highlighting the importance of maintaining a strong brand reputation for business success. The research's management conclusion is that Surplus Indonesia's existence can function as a platform to assist small, medium, and large enterprises in the economy in managing food that is fit for human consumption. In addition, customers are urged to use caution when selecting the goods they wish to use. With the objective to reduce food waste and improve earth's chances of survival.
subject: Articles
  topic: section
subject: Brand Performance
  topic: keywords
subject: Brand Reputation
  topic: keywords
subject: Surplus Indonesia
  topic: keywords
creator: Lingga Yuliana
creator: Nurliya Apriyana
creator: Didin Hikmah Perkasa
creator: Masnia Masnia
creator: Sully Sia Waty
creator: Aldiwa Pratama
creator: Nadiya Tristi Maria
rights: Copyright (c) 2024 Lingga Yuliana, Nurliya Apriyana, Didin Hikmah Perkasa, Masnia, Sully Sia Waty, Aldiwa Pratama, Nadiya Tristi Maria https://creativecommons.org/licenses/by-sa/4.0
date: 2024-07-17
publication date: 2024-07-17
starting page: 109
ending page: 116
doi: 10.31294/widyacipta.v8i2.12229

Factors Influencing Behavior and Financial Welfare of MSMEs
type: item
description: The aim of this research is to test financial literacy, self-control, optimism, deliberative thinking in determining the value of financial behavior and well-being. This research is explanatory/associative by testing hypotheses. The research population is MSME actors in East Java (Sidoarjo, Malang, Pasuruhan, Gresik), with a sample of 200 MSME actors, data collection using the purposive sampling method. The results of data processing with the help of the SmartPls analysis program show that financial literacy, self-control, optimism and deliberative thinking have a significant but weak direct and indirect influence on financial behavior and financial well-being. The results of this research provide meaning that financial literacy, self-control, optimism and deliberative thinking have a strategic role in explaining why the financial behavior and well-being of MSMEs is getting better and developing. So that the understanding of MSME players regarding: financial literacy must always be developed, self-control means that when spending money must be based on careful consideration, a spirit of optimism needs to be fostered because it will give rise to confidence that the results of the efforts made will be positive, profitable and as expected. Meanwhile, deliberative thinking is a planned, clear, considered decision-making process that influences personal decision making.
subject: Articles
  topic: section
subject: Factors behavior
  topic: keywords
subject: Financial well-being
  topic: keywords
subject: MSMEs
  topic: keywords
creator: Maria Widyastuti
creator: Y. Budi Hermanto
creator: Amanda Wahyu Astuti
rights: Copyright (c) 2025 Maria Widyastuti, Y. Budi Hermanto, Amanda Wahyu Astuti https://creativecommons.org/licenses/by-sa/4.0
date: 2025-03-30
publication date: 2025-03-30
starting page: 86
ending page: 95
doi: 10.31294/widyacipta.v9i1.12227

Integration of Balanced Scorecard and Analytical Hierarchy Process as a Method of Performance Measurement and Target Strategy Selection
type: item
description: This study evaluates the performance of PT. XYZ, a prominent ready-mix concrete company in Toba Regency, North Sumatra, Indonesia, from 2018 to 2022. Utilizing a descriptive and quantitative research approach, data were gathered through document analysis, questionnaires, and interviews. The findings reveal significant financial weaknesses, particularly in the total asset turnover, return on investment (ROI), and debt-to-asset ratios. However, the company demonstrates strong performance in customer satisfaction, internal business processes, and learning and growth dimensions. Employing the Balanced Scorecard (BSC) framework, this research assesses these four perspectives and highlights the critical importance of the learning and growth perspective for strategic development. Through the integration of the Analytical Hierarchy Process (AHP), the study identifies the enhancement of information systems as a key strategic goal. This approach not only provides a comprehensive evaluation of PT. XYZ performance over the five-year period but also offers targeted recommendations for future business development and sustainable growth. PT XYZ overall performance is rated as good based on the Balanced Scorecard, with most indicators showing positive results, and the development of an information system is identified as a top priority to support the company's learning and growth.
subject: Articles
  topic: section
subject: Performance
  topic: keywords
subject: Balanced Scorecard
  topic: keywords
subject: Analytical Hierarchy Process
  topic: keywords
creator: Wesly Mailander Siagian
creator: Iqnatius Cahyo H. Togatorop
rights: Copyright (c) 2025 Wesly Mailander Siagian, Iqnatius Cahyo H. Togatorop https://creativecommons.org/licenses/by-sa/4.0
date: 2025-03-25
publication date: 2025-03-25
starting page: 78
ending page: 85
doi: 10.31294/widyacipta.v9i1.12226

Hyper-Personalization For Customer Innovativeness, Customer Involvement and Adoption Intention
type: item
description: In the context of smartphone product uptake, this study attempts to investigate how hyper-personalization can affect customer innovativeness and customer involvement. Businesses can offer features and information that are customized to each customer's tastes by using a hyper-personalization strategy, which can raise customer engagement and interest in using the product. Taking samples with 100 responders is possible using the purposeful sampling technique. Smartphone users in South Jakarta between the ages of 17 and 50 met the requirements to participate in this study. July 5–6, 2024, was the date of data gathering. Primary data sources are the source of the data. Google Form serves as an intermediary in the distribution of primary data in the form of a questionnaire. Smart PLS version 4.1.0.0 is a data processing program that may be used to analyze data using the partial least squares technique. The outcomes of the research support the first hypothesis, which holds that adopt intention is influenced by consumer innovation. The impact of consumer innovativeness on customer involvement is demonstrated by the second hypothesis. The research's managerial implications include the possibility for businesses in the smartphone sector to keep introducing innovative items to market as a result of the public's approval of new products. Consumers anticipate new products since they are accustomed to using smartphones.
subject: Articles
  topic: section
subject: Customer Innovativeness
  topic: keywords
subject: Customer Involvement and Adopt Intention
  topic: keywords
subject: Hyper-Personalization
  topic: keywords
creator: Rendi Alfian
creator: Lingga Yuliana
creator: Didin Hikmah Perkasa
creator: Muhammad Farrel Risyawal Putra
rights: Copyright (c) 2025 Rendi Alfian, Lingga Yuliana, Didin Hikmah Perkasa, Muhammad Farrel Risyawal Putra https://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-25
publication date: 2025-02-25
starting page: 70
ending page: 77
doi: 10.31294/widyacipta.v9i1.12196

Exploration of Enterprise Risk: An Analysis of Financial Leverage, Intangible Assets, and Earnings Management Practices
type: item
description: This research project aims to investigate the impact of financial leverage, intangible assets, and earnings management on corporate risk within the manufacturing sector. The principal objective is to comprehend the manner in which these variables interact and exert influence on the overall risk profile of companies within this pivotal economic sector. Quantitative research methodology, utilizing secondary data sourced from the Indonesia Stock Exchange. The data collection process entails the documentation of financial reports and pertinent metrics, thereby facilitating a comprehensive analysis of the relationships between the identified variables. The application of statistical analysis techniques allows for the assessment of the significance and strength of these relationships, thereby providing insights into the dynamics of corporate risk management. The findings demonstrate that elevated financial leverage is linked to augmented financial risk, as organizations with substantial debt burdens encounter heightened difficulties in fulfilling their obligations during economic downturns. Furthermore, the existence of intangible assets, while potentially advantageous for growth, also introduces an element of uncertainty that can have a detrimental impact on corporate risk. Furthermore, the findings indicate that earnings management practices can distort the accurate representation of a company's financial health, leading to misinformed decision-making by stakeholders. In conclusion, the research highlights the significance of comprehending the interrelationship between financial leverage, intangible assets, and earnings management in the context of corporate risk mitigation. The insights gained from this study can assist management in making informed strategic decisions, thereby enhancing the resilience and sustainability of manufacturing firms in the face of economic challenges.
subject: Articles
  topic: section
subject: Enterprise Risk
  topic: keywords
subject: Financial Leverage
  topic: keywords
subject: Earnings Management
  topic: keywords
creator: Erna Sari
creator: Hisar Sirait
creator: Rizqy Aziz Basuki
creator: Ratih Nur Setyaningsih
creator: Rahmat Ramli
rights: Copyright (c) 2025 Erna Sari, Hisar Sirait, Rizqy Aziz Basuki, Ratih Nur Setyaningsih, Rahmat Ramli https://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-17
publication date: 2025-02-17
starting page: 62
ending page: 68
doi: 10.31294/widyacipta.v9i1.12193

Moderating Effect of Trust on Determinants of Customer Satisfaction Factors
type: item
description: In connection with customer satisfaction of mobile banking users, there are several problems, including being vulnerable to “smishing” fraud, one of which involves rogue mobile applications. This study aims to determine the role of trust in moderating the effect of security level, and service features on customer satisfaction of mobile banking users of Bank Sumsel Babel Syariah UIN Raden Fatah Palembang Branch Office. This type of research is quantitative using statistical techniques to test the hypothesis. The data used is primary data with data collection techniques using questionnaires distributed directly to 100 respondents as samples with accidental sampling techniques while secondary data uses literature studies. The data analysis technique in this study uses SmartPLS with outer model testing including convergent validity, average variance extracted (AVE) and composite reliability and inner model testing including R square and hypothesis testing. The results showed that based on testing convergent validity, average variance extracted (AVE) and composite reliability, it is known that all variables including their indicators are declared valid and reliable, then the R-square value is 0.579 which means that customer satisfaction can be explained by 57.9% by the variables of security level, service features and trust, while the remaining 42.1% is explained by other variables outside the study. Then the results of hypothesis testing show that the variables of security level, service features and trust directly have a positive and significant effect on customer satisfaction. Then the trust variable is unable to moderate the effect of the level of security and service features on customer satisfaction.
subject: Articles
  topic: section
subject: Customer Satisfaction
  topic: keywords
subject: Security Level
  topic: keywords
subject: Service Features
  topic: keywords
creator: Muhammadinah Muhammadinah
creator: Muhammad Fajri Palengka
creator: Muhammad Rahman Bayumi
creator: Chandra Zaky Maulana
rights: Copyright (c) 2025 Muhammadinah, Muhammad Fajri Palengka, Muhammad Rahman Bayumi, Chandra Zaky Maulana https://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-04
publication date: 2025-02-04
starting page: 54
ending page: 61
doi: 10.31294/widyacipta.v9i1.12192

Customer Loyalty Model of Export Product Shipment Certification
type: item
description: This study explores a loyalty model for customers of PT. XYZ, a certification body managing export product shipment certification. It examines the role of service quality, customer satisfaction, trust, and loyalty and aims to identify areas for improvement. The questionnaires were distributed to 119 companies, but only 104 companies became research respondents. The data was collected using convenience sampling and telephone surveys. Results indicate that customer satisfaction is significantly shaped by five Servqual service quality dimensions: tangibility, empathy, reliability, responsiveness, and assurance. These dimensions also substantially influence customer trust. Satisfaction and trust directly affect customer loyalty, with indirect effects mediated through trust. Specifically, reliability impacts trust via satisfaction, and assurance impacts trust through satisfaction. Satisfaction, in turn, drives loyalty through trust. For further improvements in service quality, it is recommended PT. XYZ conducts training personnel in communication and regulatory compliance. PT. XYZ is also suggested to conduct document control and personal protective equipment management training.
subject: Articles
  topic: section
subject: Loyalty Model
  topic: keywords
subject: Export Product Shipment Certification
  topic: keywords
subject: Customer Satisfaction
  topic: keywords
creator: Muchdy Lubis
creator: Hartoyo Hartoyo
creator: Nimmi Zulbainarni
rights: Copyright (c) 2025 Muchdy Lubis, Hartoyo, Nimmi Zulbainarni https://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-04
publication date: 2025-02-04
starting page: 45
ending page: 53
doi: 10.31294/widyacipta.v9i1.12190

Innovation and Digitalization: Driving Forces for Corporate Competitiveness and Longevity
type: item
description: In the face of rapid technological advancements and market shifts, companies must adapt and enhance their competitiveness to ensure long-term survival. Prior studies have not extensively investigated models that elucidate the correlation between innovation, digital transformation, productivity, and employment in relation to a company's competitiveness and longevity, particularly in developing countries. This study explores the impact of innovation, digital transformation, productivity, and employment on organizational competitiveness and their influence on corporate longevity and sustainability in the Bangka Belitung Islands, Indonesia. Employing survey methods and analyzing data using double regression, simple regression, smartPls, and SPSS, the study surveyed 120 respondents from various industrial sectors. The results reveal that innovation, productivity, and jobs significantly and positively impact companies' competitiveness, while digital transformation has a lesser effect. Additionally, the study found that a company's competitiveness positively and significantly influences its existence and survival. The research significantly contributes to understanding the factors affecting competitiveness and long-term viability in the digital economy, highlighting the crucial role of innovation, productivity, and job quality in enhancing competitive advantage. The findings provide a basis for strategic decision-making at the company level and the development of public policies that foster business growth and resilience within the Belitung Framework.
subject: Articles
  topic: section
subject: Innovation
  topic: keywords
subject: Digital transformation
  topic: keywords
subject: Company survival
  topic: keywords
creator: Amri Amri
creator: Burham Isnanto
creator: Seno Hadi Saputro
creator: Ferry Bakti
rights: Copyright (c) 2025 Amri, Burham Isnanto, Seno Hadi Saputro, Ferry Bakti https://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-04
publication date: 2025-02-04
starting page: 39
ending page: 45
doi: 10.31294/widyacipta.v9i1.12124

Determinants of Unemployment: Empirical Evidence from Indonesia
type: item
description: Indonesia faces the challenge of a rapidly increasing labor force that is not proportional to the number of jobs available, resulting in unemployment. This study examines the effect of economic growth, inflation, and minimum wage on unemployment in 34 provinces in Indonesia from 2018 to 2022. This research uses secondary data from the Central Bureau of Statistics and Bank Indonesia. The data processing method uses panel data regression with the Fixed Effect model. The results of the analysis show that economic growth and inflation have a negative and significant relationship with unemployment in Indonesia. In contrast, the provincial minimum wage has a positive and significant relationship with unemployment in Indonesia.
subject: Articles
  topic: section
subject: Economic growth
  topic: keywords
subject: Minimum wage
  topic: keywords
subject: Unemployment
  topic: keywords
creator: Gea Dwi Asmara
creator: Rahmat Saleh
rights: Copyright (c) 2024 Gea Dwi Asmara, Rahmat Saleh https://creativecommons.org/licenses/by-sa/4.0
date: 2024-07-15
publication date: 2024-07-15
starting page: 102
ending page: 108
doi: 10.31294/widyacipta.v8i2.12123

Measuring Benefits of Hajj Zam-Zam Savings Bank Panin Dubai Syariah Bandung Through Product Quality and Service
type: item
description: Reviewing the potential of the graph shows that the number of Indonesian pilgrims registering and departing for Umrah and Hajj each year continues to increase, which provides a great opportunity for Islamic travel and financial service providers. Meanwhile, one of the services that offer Hajj and Umrah Savings products is Islamic Banking, which strives to educate users, promote services, and improve their quality. Based on problem identification, it can be stated that information regarding Hajj savings in Islamic banking is still unevenly distributed to the wider community, as well as the limitations and availability of Islamic banks which are still unevenly distributed in various cities. The data collection techniques used are interviews and distributing questionnaires to users. This research method uses quantitative methods to examine the development of theories that they have developed based on the knowledge and insights they have regarding the Quality of Zam-Zam Hajj Savings Products at PT Bank Panin Dubai Syariah Tbk KC Bandung. This research is expected to be useful for parties who intend to save their money in Islamic banks and provide information to Islamic bank managers about how to channel customer funds properly and correctly in accordance with community regulations. and can be used as a guideline as well as additional information for the benefit of future research development.
subject: Articles
  topic: section
subject: Product Quality
  topic: keywords
subject: Service Quality
  topic: keywords
subject: Zam-Zam Hajj Savings
  topic: keywords
creator: Sugiarto Halim
creator: Yuda Dharma Putra
rights: Copyright (c) 2025 Sugiarto Halim, Yuda Dharma Putra https://creativecommons.org/licenses/by-sa/4.0
date: 2025-04-02
publication date: 2025-04-02
starting page: 30
ending page: 38
doi: 10.31294/widyacipta.v9i1.12122

Optimal Portfolio Analysis Using Markowitz Model and Single Index Model
type: item
description: This study aims to determine the composition of the optimal portfolio formation results of the Markowitz Model and Single Index Model. This study also aims to compare the results of optimal portfolio formation and performance of the Markowitz Model and Single Index Model. The population in this study are all stocks included in the LQ45 index listed on the Indonesia Stock Exchange for the period 2018-2022. The research sample is stocks that are consistently listed in the LQ-45 index during the 2018-2022 period. The number of research samples based on these conditions was 27 stocks. The results of this study are: In the Markowitz Model, 5 optimal portfolio-forming stocks are obtained, namely ADRO (49%), ANTM (22%), BBCA (7%), ICBP (5%), and KLBF (16%). With a portfolio return rate of 0.025382 (2.54%) and a portfolio risk of 0.081342 (8.13%). In the Single Index Model, 9 optimal portfolio-forming stocks are obtained, namely UNTR (15.18%), PTBA (3.38%), MNCN (4.15%), ICBP (35.59%), EXCL (6.62%), BBTN (0.92%), BBCA (32.55%), ANTM (0.04%) and ADRO (1.56%). With a portfolio return rate of 0.02066 (2.1%) and a portfolio risk of 0.04005 (4%). The results of the independent sample t-test processing of the return show that there is no difference between the Markowitz Model return and the Single Index Model return.
subject: Articles
  topic: section
subject: Optimal Portfolio
  topic: keywords
subject: Markowitz Model
  topic: keywords
subject: Single Index Model
  topic: keywords
creator: Yasir Maulana
creator: Windy Dwi Meilaniy
creator: Ayus Ahmad Yusuf
rights: Copyright (c) 2025 Yasir Maulana, Windy Dwi Meilaniy, Ayus Ahmad Yusuf https://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-04
publication date: 2025-02-04
starting page: 18
ending page: 29
doi: 10.31294/widyacipta.v9i1.12121

A Comparative Analysis PT Mitra Adiperkasa, Tbk of the Pandemic's Impact on Similar Businesses in the Retail Sector
type: item
description: The primary objective of this study is to analyze how the pandemic has affected key financial indicators, including liquidity, solvency, profitability, and activity ratios of PT Mitra Adiperkasa, Tbk. The research utilizes quantitative methods, employing ratio analysis, vertical analysis, and horizontal analysis as comprehensive assessment tools. Furthermore, a comparative analysis with PT Mitra Adiperkasa, Tbk is conducted to measure the extent of pandemic effects on similar businesses in the retail sector. The research data source was derived from the financial statements of PT Mitra Adiperkasa Tbk (MAPI) during the period 2018-2022. The data is further supported by secondary sources such as annual reports, publications from the Central Bureau of Statistics. The findings of the study reveal a dynamic financial journey characterized by growth, challenges, and recovery. Prior to the pandemic, PT Mitra Adiperkasa, Tbk. experienced positive growth in sales revenue and total assets, but faced difficulties in key financial metrics. The pandemic resulted in a decline in sales revenue, total equity, and net income, presenting significant profitability challenges. However, the company demonstrated resilience and adaptability, bouncing back with increased sales revenue, total assets, and net income in the post-pandemic period. The findings have practical implications for companies seeking strategies to enhance financial stability and operational efficiency amidst ongoing challenges.
subject: Articles
  topic: section
subject: Financial Performance Analysis
  topic: keywords
subject: Ratio Analysis
  topic: keywords
subject: Vertical Analysis
  topic: keywords
subject: Horizontal Analysis
  topic: keywords
subject: Comparative Financial Analysis
  topic: keywords
creator: Kresnanda Ali
creator: Asep Darmansyah
rights: Copyright (c) 2025 Kresnanda Ali, Asep Darmansyah https://creativecommons.org/licenses/by-sa/4.0
date: 2025-04-02
publication date: 2025-04-02
starting page: 1
ending page: 17
doi: 10.31294/widyacipta.v9i1.12120

The Role of Tiktok Social Media in Increasing Students Interest Entrepreneurship
type: item
description: The aim of this research is to determine the role of TikTok social media in increasing students' interest in entrepreneurship. The problem is that many students are not very good at entrepreneurship, judging from their many needs; therefore, students who want to start a business should be able to do so by taking advantage of existing online innovation and entertainment, because now everyone can definitely access and even have a virtual entertainment account that can be used to share data in the form of photos and recordings. TikTok is an online entertainment service that is generally popular among millennials for doing business. This research method used a quantitative approach. The population in this study was students at UIN North Sumatra, with a total of 100 respondents using a purposive test. Information collection methods use questionnaires, and data analysis techniques use e-views and multiple linear regressions. The test results show that the dependent variable TikTok web-based entertainment (X), more or less and at the same time has a significant effect on the independent factor Business Interest (Y), this tends to be reasonable that the TikTok virtual entertainment variable influences interest in business ventures. The collateral coefficient (R Square), and it means that every 1% increase in TikTok web-based entertainment increases business interest by 41.3%. Meanwhile, the impact of recognizing traditional assumptions shows that the model conditions do not suffer from the adverse effects of multicollinearity problems, do not contain heteroscedasticity, and show normal conditions.
subject: Articles
  topic: section
subject: Social media
  topic: keywords
subject: Students interest
  topic: keywords
subject: Entrepreneurship
  topic: keywords
creator: Melia Br Ginting
creator: Muhammad Irwan Padli Nasution
creator: Nurbaiti Nurbaiti
rights: Copyright (c) 2024 Melia Br Ginting, Muhammad Irwan Padli Nasution, Nurbaiti https://creativecommons.org/licenses/by-sa/4.0
date: 2024-07-25
publication date: 2024-07-25
starting page: 117
ending page: 124
doi: 10.31294/widyacipta.v8i2.12118

Digital Marketing Strategy and Customer Rating: Impact on Purchase Decisions at Sinar Mandiri
type: item
description: The rapid growth of digital technology has transformed marketing practices, forcing businesses to adopt digital platforms in order to remain competitive and influence consumer behavior. In this environment, digital marketing strategies and customer rating play an increasingly important role in shaping purchasing decisions, especially for retail businesses operating in highly competitive markets. However, empirical evidence regarding the effectiveness of these factors in the context of local retail is still limited. This study uses an explanatory quantitative approach to analyze the impact of digital marketing strategies and customer evaluation on purchasing decisions at Sinar Mandiri. Data was collected from customers who had made purchases and been exposed to the company’s digital marketing activities through social media, online marketplaces, and other digital platforms using a five-point Likert scale questionnaire. The data was analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results of the study indicate that both digital marketing strategies and customer rating have a positive and significant influence on purchasing decisions, with digital marketing strategies showing a stronger influence. These findings suggest that effective digital marketing serves as a major stimulus in shaping consumer expectations, while customer evaluations reinforce trust and perceived quality in the decision-making process. These results have practical implications for local retail businesses in developing more targeted digital marketing strategies and managing customer feedback to improve purchasing decisions.
subject: Articles
  topic: section
subject: Consumer behavior
  topic: keywords
subject: Customer rating
  topic: keywords
subject: Digital marketing strategy
  topic: keywords
subject: Purchase decision
  topic: keywords
creator: Myla Sunar Dewi
creator: Nur Hayati
rights: Copyright (c) 2026 Myla Sunar Dewi, Nur Hayati https://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-27
publication date: 2026-02-27
starting page: 74
ending page: 82
doi: 10.31294/widyacipta.v10i1.11528

An Analysis of Window Dressing Practices in ASEAN Healthcare Companies in 2023
type: item
description: Window dressing practices have become a significant phenomenon in the ASEAN healthcare sector following the COVID-19 pandemic, particularly in 2023. Uncertainty in financial reporting and pressure to demonstrate positive performance have driven management to employ manipulation strategies, including cash management, leverage, and increased liquidity ratios, toward the end of the reporting period. The healthcare sector, with its high capital requirements and strict regulations, has the potential to influence investor decisions and market stability. This study employed an associative quantitative approach, targeting healthcare companies in Indonesia, Malaysia, Thailand, and Vietnam. The population was 90 companies, with purposive sampling as the data collection technique, resulting in a sample of 55 companies. Quarterly financial data for 2023 were collected from public reports and analyzed using multiple regression analysis with SPSS version 25. The results indicate that cash holdings and leverage significantly influence window dressing practices, while company size and managerial ownership vary across countries. Increased liquidity ratios at the end of the reporting period reinforce the indication of year-end effects. Differences in financial structures and characteristics of ASEAN capital markets result in different practice patterns across countries. These findings expand the earnings management literature and provide practical implications for investors and regulators in improving transparency, oversight, and harmonizing capital market policies across countries.
subject: Articles
  topic: section
subject: Cash Holding
  topic: keywords
subject: Firm Size
  topic: keywords
subject: Leverage
  topic: keywords
subject: Liquidity
  topic: keywords
subject: Window Dressing
  topic: keywords
creator: Liliek Nur Sulistiyowati
creator: Ririh Anggraini Setyahety
creator: Sintiya Oktavia Salsabila
rights: Copyright (c) 2026 Liliek Nur Sulistiyowati, Ririh Anggraini Setyahety, Sintiya Oktavia Salsabila https://creativecommons.org/licenses/by-sa/4.0
date: 2026-03-13
publication date: 2026-03-13
starting page: 90
ending page: 100
doi: 10.31294/widyacipta.v10i1.11247

Improving the Success of Culinary MSMEs through Product Innovation, Social Capital, and Digital Marketing: A Competitive Advantage Approach
type: item
description: The increasingly competitive business environment encourages micro and small enterprises (MSEs) in the culinary sector to adapt through product innovation, strengthening social networks, and utilizing digital marketing to enhance business success. This study aims to analyze the effects of product innovation, social capital, and digital marketing on the business success of culinary-sector MSEs in Gresik Regency, as well as the role of competitive advantage as a mediating variable. This study employs a quantitative approach using a survey method and involves 377 respondents who are culinary MSE owners in Gresik Regency. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM–PLS) with SmartPLS 4. The results indicate that product innovation, social capital, and digital marketing have positive and significant effects on the business success of MSEs. Furthermore, these three variables also have positive and significant effects on competitive advantage. Competitive advantage is proven to have a positive and significant effect on business success and partially mediates the influence of product innovation, social capital, and digital marketing on business success. These findings confirm that the business success of MSEs depends not only on the availability of resources and marketing activities, but also on entrepreneurs’ ability to manage and transform innovation, social networks, and the use of digital marketing into sustainable competitive advantages that align with local market characteristics. This study provides practical implications for MSE owners and stakeholders in formulating integrated business development strategies to enhance competitiveness and business success in the culinary MSE sector.
subject: Articles
  topic: section
subject: Product innovation
  topic: keywords
subject: Social capital
  topic: keywords
subject: Digital marketing
  topic: keywords
subject: Competitive advantage
  topic: keywords
subject: Business success
  topic: keywords
creator: Ahmad Taufiqurrahman Asy’ari
creator: Naswan Suharsono
creator: Madziatul Churiyah
rights: Copyright (c) 2026 Ahmad Taufiqurrahman Asy’ari, Naswan Suharsono, Madziatul Churiyah https://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-18
publication date: 2026-02-18
starting page: 64
ending page: 73
doi: 10.31294/widyacipta.v10i1.11576

Digital Marketing Adoption: Insights from Small and Medium Street Food Vendors
type: item
description: Our study reveals the resource constraint faced by small and medium sized street food vendors in adopting digital marketing and explores how street food vendors address challenges. Data were collected through semi structured interviews with 20 street food vendors, then analyzed using qualitative analysis. This study reveals their readiness to adopt digital marketing, the benefits gained from digital marketing, and the challenges in taking digital marketing to next level. The diffusion of innovation theory is used as a theoretical lens that will help researchers understand this phenomenon. This theory attempts to predict the behavior of individuals and social groups in the process of innovation adoption, by considering four characteristic of innovation, such as relative advantage, compatibility, complexity, and trial. Discussion of these findings leads to insight for academics, culinary SMEs, and policy makers in developing relevant policies to economy
subject: Articles
  topic: section
subject: Street food
  topic: keywords
subject: Digital Marketing
  topic: keywords
subject: DoI Theory
  topic: keywords
subject: SMEs
  topic: keywords
subject: Adaption
  topic: keywords
creator: Ani Rakhmanita
creator: Yasir Maulana
creator: Mirza Abdi Khairusy
rights: Copyright (c) 2026 Ani Rakhmanita, Yasir Maulana, Mirza Abdi Khairusy https://creativecommons.org/licenses/by-sa/4.0
date: 2026-03-02
publication date: 2026-03-02
starting page: 83
ending page: 89
doi: 10.31294/widyacipta.v10i1.11180

Green Trust as Mediator in Green Sharing Intention of Palmyra palm Packaging among Generation Z
type: item
description: This study examines how perceived credibility, eco-literacy, and environmental awareness shape green trust and ultimately increase green sharing intention toward environmentally friendly packaging made from palmyra palm in the context of Generation Z in Kupang. The aim is to emphasize the central role of green trust as a psychological bridge between perception, knowledge, and awareness with green information sharing behavior that has advocacy value. The method used is a quantitative survey based on an attitude scale questionnaire, with analysis using Partial Least Squares Structural Equation Modeling. This study involved 144 respondents. The results show that green trust directly drives green sharing intention, perceived credibility directly drives green sharing intention, while perceived credibility, eco-literacy, and environmental awareness strengthen green trust; subsequently, green trust mediates the influence of these three factors, thereby driving stronger sharing intentions. In the context of palmyra palm packaging, trust provides psychological legitimacy to sustainability claims and channels environmental awareness impacts through more stable beliefs. Theoretically, this study enriches the green marketing literature by introducing an integrated framework that positions green trust as a mediating mechanism linking credibility, ecological literacy, and awareness with green sharing intentions, while expanding the discourse that previously focused more on green purchasing intentions. Practically, these findings provide concrete guidance for companies and policymakers to strengthen transparent communication strategies, develop ecological literacy programs, and intensify environmental awareness campaigns to encourage consumer advocacy and expand the adoption of sustainable palm based packaging as an alternative to single-use plastics.
subject: Articles
  topic: section
subject: Sustainable packaging
  topic: keywords
subject: Green sharing intention
  topic: keywords
subject: Perceived credibility
  topic: keywords
creator: Maria Augustin Lopes Amaral
creator: Andrian Haro
creator: Adrianus Ketmoen
creator: Apryanus Fallo
creator: Engelbertus G. Ch. Watu
creator: Clarisa Margaretha Ang
creator: Elisabeth Adelia Merdeka Wati Gani
rights: Copyright (c) 2025 Maria Augustin Lopes Amaral, Andrian Haro, Adrianus Ketmoen, Apryanus Fallo, Engelbertus G. Ch. Watu, Clarisa Margaretha Ang, Elisabeth Adelia Merdeka Wati Gani https://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-03
publication date: 2025-09-03
starting page: 147
ending page: 157
doi: 10.31294/widyacipta.v9i2.11527

The Relationship Between Poverty Levels Among Men and Women and the Indonesian Economy
type: item
description: The global economy increasingly emphasizes development in terms of the economy that must be able to improve people's standard of living to achieve progress. Labor force participation is one of the important factors influencing economic growth, where the role of women in the workforce is often hampered by gender inequality that still exists in Indonesia. This study aims to analyze the relationship between the level of male and female participation in the workforce to the Indonesian economy. This study uses secondary data from the Central Statistics Agency (BPS) to analyze the differences in labor participation between men and women, and their impact on macroeconomic indicators. Using the panel data regression analysis method, this study compares the effect of male and female labor force participation on economic growth in various provinces in Indonesia. The results of the study show that there is an effect on male LFPR and female LFPR, although male participation in the workforce is higher than women, increasing female participation can make a significant contribution to the Indonesian economy, especially in sectors that require skilled workers. This study can help the Indonesian government in making the right policies.
subject: Articles
  topic: section
subject: Panel Data Analysis
  topic: keywords
subject: Gender Inequality
  topic: keywords
subject: Labor Force Participation
  topic: keywords
creator: Shafira Niken Sari
creator: Endang Endang
creator: Devi Aria Nanda
creator: Istikomah Istikomah
rights: Copyright (c) 2025 Shafira Niken Sari, Endang, Devi Aria Nanda, Istikomah https://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-03
publication date: 2025-09-03
starting page: 140
ending page: 146
doi: 10.31294/widyacipta.v9i2.11526

The Influence of Perceived Usefulness and Cashback Reward Program Mediated by E-wallet Engagement on E-wallet User Satisfaction
type: item
description: The rapid growth of digital payment systems makes e-wallets increasingly important in the financial technology sector. This study examines the effect of perceived usefulness and cashback reward programs on e-wallet user satisfaction, with e-wallet involvement as a mediating variable. The data collection techniques are observation of how users interact with e-wallet applications through usage analysis and monitoring of how often transactions are made, interviews with the aim of gaining in-depth insight into user experience and literature studies by collecting journals, articles related to this study. The data analysis uses the Structural Equation Modeling with Partial Least Squares (SEM-PLS) approach with SmartPLS 3.0, software following a two-stage approach: measurement model evaluation (outer model) and structural model evaluation (inner model). The measurement model assessment included convergent validity, discriminant validity, and reliability tests. The structural model evaluation examined path coefficients, significance levels, R-square values, and effect sizes.with data collected from 300 e-wallet users through purposive sampling.The population consisted of e-wallet users in Indonesia, with the sample selected using purposive sampling technique. The inclusion criteria required respondents to have used e-wallet applications for at least three months. The results indicate that perceived usefulness (β=0.137, p<0.05) and cashback reward programs (β=0.236, p<0.001) significantly influence e-wallet engagement. E-wallet engagement significantly affects user satisfaction (β=0.287, p<0.001), and perceived usefulness directly influences satisfaction (β=0.362, p<0.001). The mediation analysis reveals that e-wallet engagement partially mediates the relationship between both independent variables and user satisfaction. The findings suggest that e-wallet providers should focus on enhancing perceived usefulness and designing attractive reward programs while maintaining high …
subject: Articles
  topic: section
subject: Perceived usefulness
  topic: keywords
subject: Cashback reward program
  topic: keywords
subject: E-wallet satisfaction
  topic: keywords
creator: Nurmalasari Nurmalasari
creator: Nur Afifah
creator: Mustaruddin Mustaruddin
rights: Copyright (c) 2025 Nurmalasari, Nur Afifah, Mustaruddin https://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-03
publication date: 2025-09-03
starting page: 132
ending page: 139
doi: 10.31294/widyacipta.v9i2.11525

Data Privacy Risk Governance in Hospital Management Information System: A Proposed Framework for Hospital in Padang
type: item
description: The implementation of Hospital Management Information Systems (SIMRS) in Indonesia, mandated by the Ministry of Health, reflects the country's digital transformation in healthcare particularly in managing electronic medical records (EMRs), operational efficiency, and patient data security. This study aims to develop a privacy risk governance framework by integrating three key references: COSO Enterprise Risk Management (ERM) 2017, ISO/IEC 27701:2019, and Indonesia’s Personal Data Protection (PDP) Law No. 27/2022. Employing a qualitative case study approach, data were collected through in-depth interviews with five key stakeholders and analyzed thematically. Five major themes emerged: (1) Governance and Leadership in Privacy Risk, (2) Privacy Risk Identification and Assessment, (3) Privacy Controls and Operational Safeguards, (4) Monitoring and Incident Management, and (5) Legal and Regulatory Compliance. The study identified fragmented privacy practices, weak governance structures, and limited awareness of privacy obligations. To address these gaps, a phased improvement plan is proposed—starting with the appointment of a Data Protection Officer (DPO), the development of privacy-related standard operating procedures (SOPs), and the implementation of privacy impact assessments. These steps are designed to improve digital maturity and regulatory alignment. The proposed governance model is adaptable and scalable for other hospitals in Indonesia facing similar challenges. Ultimately, this framework contributes to enhancing patient safety, ensuring data protection, and supporting a sustainable digital health transformation.
subject: Articles
  topic: section
subject: Data privacy
  topic: keywords
subject: Risk governance
  topic: keywords
subject: Hospital management information
  topic: keywords
creator: Muhammad Galing Ganesworo
creator: Raden Aswin Rahadi
rights: Copyright (c) 2025 Muhammad Galing Ganesworo, Raden Aswin Rahadi https://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-03
publication date: 2025-09-03
starting page: 123
ending page: 131
doi: 10.31294/widyacipta.v9i2.11524

The Role of Entrepreneurial Leadership and Competence in Enhancing MSME Performance: A Case Study in Jember Regency
type: item
description: Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in economic growth, job creation, and social security, particularly in Jember Regency, where MSMEs constitute a significant portion of the business sector. However, various challenges, such as leadership effectiveness, entrepreneurial competence, and motivation, may impact their overall performance. This study aims to examine the influence of entrepreneurial leadership and competence on MSME performance, with entrepreneurial motivation as a mediating variable. A quantitative explanatory research design was employed, involving a survey of 101 MSME owners in Jember Regency using purposive sampling. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings indicate that entrepreneurial leadership significantly affects MSME performance, whereas entrepreneurial competence and motivation do not show a direct impact. However, both leadership and competence positively influence entrepreneurial motivation. Furthermore, motivation does not mediate the relationship between leadership or competence and MSME performance. These findings suggest that MSME performance is shaped not only by internal factors such as leadership and competence but also by external influences, including access to capital, government policies, and infrastructure support. Future research should explore additional variables such as innovation, digital marketing, and business strategies to provide a more comprehensive understanding of MSME growth and sustainability.
subject: Articles
  topic: section
subject: Entrepreneurial Leadership
  topic: keywords
subject: Entrepreneurial Competence
  topic: keywords
subject: MSME Performance
  topic: keywords
creator: Septy Holisa Umamy
creator: Gardina Aulin Nuha
rights: Copyright (c) 2025 Septy Holisa Umamy, Gardina Aulin Nuha https://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-03
publication date: 2025-09-03
starting page: 111
ending page: 122
doi: 10.31294/widyacipta.v9i2.11523

Social Media Literacy's Impact on Entrepreneurial Interest Among Secretarial Students with Digital Financial Literacy Moderation
type: item
description: Social media platforms offer numerous benefits to entrepreneurs; however, paradoxically, younger generations, such as university students, often fail to leverage these platforms to foster entrepreneurial interest. Additionally, financial management skills are essential for running a business effectively. This situation necessitates the development of social media literacy and digital financial literacy to enhance entrepreneurial interest among students. The purpose of this study is to analyze the influence of social media literacy on the entrepreneurial interest of secretarial program students and to investigate the moderating role of digital financial literacy in the relationship between social media literacy and entrepreneurial interest. This study employed a quantitative research approach, utilizing online questionnaire distribution as the primary data collection method. The sample was determined through purposive sampling involving 50 secretarial program students at Universitas Budi Luhur. The findings reveal that social media literacy has a positive and significant impact on the entrepreneurial interest of secretarial program students at Universitas Budi Luhur. Furthermore, the results indicate that digital financial literacy plays a role in shaping the effect of social media literacy on entrepreneurial interest among these students.
subject: Articles
  topic: section
subject: Digital financial literacy
  topic: keywords
subject: Entrepreneurial interest
  topic: keywords
subject: Social media literacy
  topic: keywords
creator: Reni Hariyani
creator: Tio Prasetio
rights: Copyright (c) 2025 Reni Hariyani, Tio Prasetio https://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-03
publication date: 2025-09-03
starting page: 104
ending page: 110
doi: 10.31294/widyacipta.v9i2.11522

Digital Transformation of Women-Owned MSMEs: Marketing Strategies to Adapt to The Dynamics of Consumer Behavior in The Digital Era
type: item
description: Women-owned MSMEs play a strategic role in the national economy. However, many women MSMEs do not yet have adequate digital capacity to respond to changes in consumer behavior that now rely on technology in making purchasing decisions. In addition, structural barriers such as limited access to technology and capital, as well as socio-cultural barriers such as gender stereotypes and double workloads, complicate the process of adopting digitalization. Although many studies discuss these challenges, there are still limited studies that specifically explore the digital marketing strategies implemented by women-owned MSMEs in response to the dynamics of consumer behavior, especially in the local context. This study aims to analyze the digital marketing strategies adopted by women-owned MSMEs in Padang City. The approach used is a mixed method with an explanatory sequential design, starting with a survey of 125 women MSMEs, followed by in-depth interviews. The findings of this study indicate a significant shift in consumer behavior in the digital era, emphasizing the importance of convenience and ease in purchasing decisions. Therefore, it is crucial for women-led MSMEs to understand these behavioral changes and master appropriate marketing strategies to thrive in this evolving market landscape.
subject: Articles
  topic: section
subject: Consumer Behavior
  topic: keywords
subject: Digital Marketing
  topic: keywords
subject: Women-Owned MSMEs
  topic: keywords
creator: Sri Mona Octafia
creator: Rio Andika Malik
creator: Elsa Widia
rights: Copyright (c) 2025 Sri Mona Octafia, Rio Andika Malik, Elsa Widia https://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-03
publication date: 2025-09-03
starting page: 96
ending page: 103
doi: 10.31294/widyacipta.v9i2.11521

The Performance of Islamic Bank in Terms of Human Resources, Outstanding Loans, and NPF: Mann-Whitney Analysis
type: item
description: Sharia banks act as financial institutions that perform financial intermediary functions, connecting parties with excess funds with parties in need of funds. The pandemic era in early 2020 is one of the most striking examples that shows the serious impact of macroeconomic changes on Islamic banking in Indonesia. This study focuses on the performance of Islamic banking. It aims to analyze changes in four variables: number of branches, number of human resources, outstanding financing, and Non-Forming Finance in Islamic banks, both before and during the pandemic. The method used is a statistical approach sourced from secondary data published by the OJK, which includes a sample of 12 Islamic commercial banks and 21 Islamic business units. The analysis technique used is a descriptive comparative analysis of the results of the Mann-Whitney statistical test. The results of this study, based on the analysis using the Mann-Whitney test, indicate significant differences in these variables between the periods before and during the COVID-19 pandemic in the Islamic banking sector. Therefore, a strategic response is needed from the Islamic banking sector in addressing changes in the economic situation and customer behavior influenced by external factors such as the pandemic. The importance of adaptation by the Islamic banking sector in facing a pandemic, as well as the importance of better risk management in managing business growth and credit risk.
subject: Articles
  topic: section
subject: Human Resources
  topic: keywords
subject: Outstanding Financing
  topic: keywords
subject: Non-Performing Financing
  topic: keywords
creator: I Nyoman Budiono
creator: Hartina Husain
creator: St. Nurhayati
creator: Syahruddin Kadir
creator: Nurul Fauzia
creator: Nurul Muhlisa
rights: Copyright (c) 2026 I Nyoman Budiono, Hartina Husain, St. Nurhayati, Syahruddin Kadir, Nurul Fauzia, Nurul Muhlisa https://creativecommons.org/licenses/by-sa/4.0
date: 2026-01-15
publication date: 2026-01-15
starting page: 18
ending page: 28
doi: 10.31294/widyacipta.v10i1.9778

Exploring the Direct and Mediated Impacts of User Perceptions on Intention to Use E-Wallets
type: item
description: The​‍​‌‍​‍‌ rapid growth of e-wallets in Indonesia has been great especially in Semarang where a lot of people have adopted this payment method however users have also experienced problems in the understanding of the application features, easy operation, and concerns over data security. This study looked at the direct and indirect effects of perceived usefulness, perceived ease of use, and perceived security on the intention of using e-wallets in Semarang, with attitude as the mediating variable. A quantitative cross-sectional survey was conducted among 165 respondents using a five-point Likert scale. The data were analyzed using the PLS-SEM method. The findings indicate that perceived usefulness and perceived ease of use substantially impact one's attitude; however, perceived security has no effect; perceived usefulness and attitude considerably influence the intention to use, yet perceived ease of use and perceived security do not; and finally, the interaction between attitude and perceived usefulness as well as perceived ease of use significantly predicts intention to use whereas the interaction between attitude and perceived security is not significant. The results demonstrate that e-wallet adoption intention in Semarang is mostly influenced by users' perception of the usefulness and ease of the system which calls for service providers to focus more on functional value and user ​‍​‌‍​‍‌experience.
subject: Articles
  topic: section
subject: Perceived Usefulness
  topic: keywords
subject: Perceived Ease of Use
  topic: keywords
subject: Perceived Security
  topic: keywords
creator: Razan Dzaky Musyaffa
creator: Fredianaika Istanti
rights: Copyright (c) 2026 Razan Dzaky Musyaffa, Fredianaika Istanti https://creativecommons.org/licenses/by-sa/4.0
date: 2026-01-10
publication date: 2026-01-10
starting page: 9
ending page: 17
doi: 10.31294/widyacipta.v10i1.11101