Abstract:The development of financial technology has encouraged the transformation of the digital payment system in Indonesia, one of which is through the implementation of the Quick Response Code Indonesian Standard (QRIS) developed…
oped by Bank Indonesia to integrate various QR code-based payment services. This payment system is expected to be able to improve transaction efficiency, speed up the payment process, and expand financial inclusion for Micro, Small, and Medium Enterprises (MSMEs). However, the adoption rate of digital payment technology in the MSME sector still faces various challenges, both related to technological aspects, user psychological factors, and the influence of the social environment. This study aims to systematically examine the influence of constructs in the Unified Theory of Acceptance and Use of Technology (UTAUT3) on the interest of MSMEs in using the QRIS payment system at Bank Syariah Indonesia with trust and perceived ease of use as mediation variables. The research method used is Systematic Literature Review (SLR) with the PRISMA approach to identify, select, and analyze relevant scientific articles in the 2020–2025 period. The literature search process produced 2,395 articles from a database of reputable scientific journals, then an elimination process was carried out based on inclusion and exclusion criteria so that 71 articles were obtained that were eligible for further analysis. The study stages were carried out systematically through the process of identification, screening, feasibility assessment, and determination of final articles. The results of the study show that the main constructs in the technology acceptance model such as performance expectancy, effort expectancy, social influence, and facilitating conditions have an important influence on interest in using digital payment technology. In addition, additional factors such as trust and perceived ease of use have been proven to act as mediating variables that strengthen the relationship between technology construct and the intention to use QRIS by MSME actors. Trust in system security and ease of use of technology are crucial factors in increasing user confidence in digital payment services, especially in the context of Islamic banking-based financial services. The findings of this study provide a theoretical contribution to the development of a digital payment technology acceptance model based on UTAUT3 and provide practical implications for financial institutions and regulators in increasing the adoption of QRIS among MSME actors. The next research is suggested to develop an empirical model with a quantitative approach to test the relationship between variables more comprehensively in the context of the digital economy in Indonesia.
Abstract:The rapid proliferation of AI-powered marketing technologies in emerging markets poses a fundamental challenge to culturally-grounded micro, small, and medium enterprises (MSMEs): how can algorithmic imperatives be reconciled…
ciled with indigenous value systems that define not only business practice but collective identity? Despite growing research on both AI adoption in SMEs and indigenous knowledge preservation, scholarship rarely examines how traditional values actively mediate rather than merely moderate commercial technology adoption. This study addresses that gap by investigating how MSMEs in Makassar City, Indonesia, negotiate AI marketing integration while preserving siri’ na pacce, the Bugis-Makassar philosophical framework centred on dignity (siri’) and solidarity (pacce). Employing interpretive phenomenology integrated with Community-Based Participatory Research (CBPR), the study conducted 23 in-depth interviews and three focus group discussions with 44 MSME owners and key personnel across traditional culinary, artisan craft, ethnic fashion, and digital service sectors. Template analysis generated four overarching themes: (1) value-based technology discernment, wherein siri’ na pacce operates as an active epistemological filter for evaluating AI tools; (2) strategic selective adoption, wherein enterprises accept algorithmically aligned functions while rejecting culturally incompatible features; (3) cultural indigenization of technology, wherein AI systems are actively reoriented toward communal rather than individualistic ends; and (4) constrained agency under platform power, wherein algorithmic visibility systems penalise cultural non-conformity with market exclusion. These findings challenge technological determinism and advance decolonial computing theory by demonstrating that indigenous values simultaneously enable epistemological agency and are constrained by structural power asymmetries, a duality insufficiently theorised in prior technology adoption frameworks. The study calls for regulatory frameworks establishing indigenous data sovereignty, participatory AI co-design with local communities, and cooperative digital infrastructure as conditions for authentic, rather than performative, cultural integration.
Abstract:This study aims to determine the Effect of Raw Material Inventory Management on Work Productivity of PT. KSS (Karunia Sejahtera Sejati) Nias Branch. The research method used is a quantitative approach. The sample in this…
study amounted to 31 respondents. Data collection techniques were carried out through the distribution of questionnaires and documentation. Data analysis techniques used simple linear regression analysis, classical assumption tests, coefficient of determination tests and t-tests with the help of the SPSS version 25 statistical application. The R2 Determination Test that has been carried out obtained the result that the R2 value is 0.620. This shows that the Raw Material Inventory Management variable (X) can explain Work Productivity (Y) by 62%, while the remaining 38% is explained by other factors not covered in this study. Based on the data analysis, it shows that simultaneously the Raw Material Inventory Management variable has a positive and significant effect on Work Productivity with a significance of 0.000 <0.05 and the T-value obtained is 6.877> 1.696 so that it can be concluded that Ha is accepted and has an effect on the dependent variable of Work Productivity (Y). The conclusion of this study is that the Raw Material Inventory Management variable partially or simultaneously has an effect on Work Productivity and it is recommended that PT. KSS (Karunia Sejahtera Sejati) provide increased competency and understanding of employees regarding inventory management that is very necessary so that they are able to carry out their tasks more efficiently and effectively, so that work productivity increases. Periodic training and socialization regarding inventory management and its relationship to work productivity must continue to be carried out.
Abstract:This study addresses the limitations of traditional Customer Relationship Management (CRM) systems by analyzing the adoption and impact of Artificial Intelligence (AI) integration (AI-Powered CRM). Informed by the Technology…
logy Acceptance Model (TAM) for employee perception and the Resource-Based View (RBV) for strategic capability, the primary objective is to evaluate how AI-driven automation enhances customer service processes and, subsequently, impacts marketing efficiency. The research employs an exploratory qualitative case study design, utilizing in-depth interviews, document analysis, and system observation on a single organization to gather rich, contextual data. The results demonstrate that AI integration significantly accelerated service, with chatbots handling 65–70% of routine queries and drastically reducing response times. Operationally, these improvements fostered high employee acceptance (TAM). Strategically, the AI-Powered CRM generated refined predictive analytics, resulting in a 12–18% improvement in campaign conversion rates and efficient resource allocation, confirming that AI creates a valuable and difficult-to-imitate strategic capability (RBV). The study concludes that AI-Powered CRM is a critical enabler for both operational efficiency and long-term strategic competitiveness in digital markets.
Abstract:Islamic views on property ownership depart from the notion that individuals have an innate desire to possess property (fithrah), as Islamic societies depend on other people to function. The riches or money that Allah SWT…
has bestowed upon this universe is a gift to humanity and should be used as efficiently as possible to ensure everyone's financial security. One topic covered in economics classes, including socialism, capitalist, and Islamic economics, is ownership rights. Ownership rights are determined by certain characteristics of each economic system. The number of assets (goods and services) that can be owned is limited under a socialist economy, but the method of acquisition (quality) remains unconstrained. This suggests that you can distribute it in whatever way you want. Meanwhile, the capitalist economic system views property ownership as unlimited, both in terms of quantity and quality; that is, any kind of property ownership is acceptable as long as it does not restrict the freedom of others. Islam acknowledges, but does not fully give, the right of humans to own the materials they use for production and consumption, in contrast to socialism and capitalist economic systems.
Abstract:Implementation of financial accounting systems is a complex process involving various factors, including organizational behavior. Organizational behavior factors play an important role in determining the success or failure…
re of system implementation. This abstract discusses the background of the problem regarding organizational behavior factors in the implementation of financial accounting systems. Problems that often arise related to organizational behavior factors in the implementation of financial accounting systems include resistance to change, lack of management support, lack of skills and knowledge, lack of communication and involvement, and an organizational culture that does not support change. Resistance to change can arise from discomfort with changes in usual work routines or uncertainty about the success of the new system. Inadequate management support can hinder employee participation and motivation in adopting the new system. Lack of skills and knowledge needed to operate the new system can hinder effective acceptance and use. Ineffective communication and lack of employee involvement in the implementation process can lead to ambiguity and resistance. An organizational culture that does not support change and innovation can be a serious obstacle to the implementation of financial accounting systems. In addressing organizational behavior factors, it is important to pay attention to employee attitudes and perceptions, management support, effective communication, training and learning, and an organizational culture that supports change. Involving employees in the planning and decision-making stages, providing adequate training, and creating a culture that is open to change can increase the success of implementing a financial accounting system.
Abstract:Oyster mushrooms (Pleurotus ostreatus) are agricultural commodities with high economic value with good nutritional content. Its cultivation in Jumantoro Village, Jumapolo District, Karanganyar Regency, has great potential…
l because it is supported by suitable natural conditions. However, farmers and MSMEs still face obstacles in the use of manual equipment and less than optimal marketing, so product innovation is needed to increase the added value and competitiveness of oyster mushrooms in the market. As a solution, a mentoring program was introduced with the culinary innovation of oyster mushroom nuggets. This activity includes surveys and interviews with MSMEs, transfer of cultivation knowledge, and production practices. Nuggets were chosen because their texture resembles chicken meat, making them an economical and healthy food alternative. Production is carried out at the MSME's Mushroom House with a systematic method to ensure quality. The results of the mentoring showed a positive response from MSMEs and the community, both in terms of economy and product acceptance. In addition to increasing local income, this program also provides direct experience for students in understanding mushroom cultivation and processing. By optimizing local potential, innovation in processed oyster mushroom products can be a sustainable strategy in supporting village economic growth.
Abstract:This research aims to determine the marketing influence of Word of Mouth Marketing on the decision to purchase services from PT. JILC Branch My Pongti in Makassar City. The population in this research is JILC students My…
group is 252 people. The number of samples used was 71 people by using Slovin's sample theory. Data collection was carried out by using observation and questionnaire methods. Technical data analysis used is multiple linear regression analysis using statistics Product and Service Solution (SPSS) v.21. The multiple linear regression equation produces the equation Y = 5.451 + 0.697X1 + 0.052X2. Thus the results of this study found that The Word of Mouth variable has a positive and significant effect on decisions Consumer. The results of the correlation analysis of determination (R Square) were 0.487 or 48.7%. This shows that the percentage influence of the independent variable amounting to 48.7%. Meanwhile, the remaining 51.3% was influenced or explained by other variables not included in this research model. F count (32.327)> F table (3.128) with a significance level of 0.000 < 0.05. So hypothesis that is accepted is H1 which means variable X (Organic WOM and Amplified WOM) simultaneously has a significant influence on variable Y (Consumer Decision). Meanwhile, the t test results explain the calculated t for variable X1 is (7.185) > t table (1.995) with a significance level of 0.000 < 0.05. So H0 is rejected and the accepted hypothesis is H2 which means variable Organic WOM partially has a significant influence on the variables Y (Consumer Decision). The results of the partial test for variable X2 explain that t count 0.0494 > 0.05. So H3 is rejected and the accepted hypothesis is H0 which means that the Amplified WOM variable partially has no influence significant to variable Y (Consumer Decision).
Abstract:Money plays a strategic role in economics and was often initially interpreted as a widely accepted means of payment, especially due to its primary function as a medium of transaction. The purpose of this study is to analyze…
yze the effects of interest rates, economic growth and inflation on the money supply. The variables observed in this study are the floating money in circulation (M1) as the dependent variable and interest rates, economic growth and inflation as the independent variables. The study uses secondary data from his 2013 to his 2022 from the Central Bureau of Statistics. This study uses multiple regression analysis with the SPSS program. The results of this study demonstrate that the independent variables (interest rates, GDP, and inflation) simultaneously affect the dependent variable (money supply). On the other hand, only interest rate variables affect the money supply, while GDP and inflation variables do not.
Abstract:This study aims to (1) determine the effect of work motivation on employee performance, (2) determine the effect of work discipline on employee performance, (3) determine the influence of motivation and work discipline jointly…
ointly on employee performance in the Gantarangkeke sub-district office, Gantarangkeke district, Bantaeng regency. The type of data used in this study is quantitative data obtained from questionnaires that are distributed and related to the problem under study with a sample size of 41 people. Data were analyzed using multiple linear regression analysis with the help of SPSS 23 data processing to prove the hypothesis. The results showed that the work motivation variable obtained t-count 2.552 > t-table 1.685 and a significant value of 0.015 <0.05, then H1 is accepted, which means that the work motivation variable has a positive and partially significant effect on the performance variable. While the work discipline variable obtained t-count 7.189 > t-table 1.685 and a significant value of 0.000 <0.05, then H2 is accepted which means the work discipline variable has a positive and partially significant effect on performance variables. Based on the research results it is known that the performance variable, obtained f-count 35.267, where the value is greater than f-table 3.24. And a significant value of 0.000 indicates that the variables of motivation and work discipline have a positive and significant effect on performance variables together. t-table 1.685 and a significant value of 0.000 <0.05, then H2 is accepted, which means that the work discipline variable has a positive and partially significant effect on performance variables. Based on the research results it is known that the performance variable, obtained f-count 35.267, where the value is greater than f-table 3.24. And a significant value of 0.000 indicates that the variables of motivation and work discipline have a positive and significant effect on performance variables together. t-table 1.685 and a significant value of 0.000 <0.05, then H2 is accepted, which means that the work discipline variable has a positive and partially significant effect on performance variables. Based on the research results it is known that the performance variable, obtained f-count 35.267, where the value is greater than f-table 3.24. And a significant value of 0.000 indicates that the variables of motivation and work discipline have a positive and significant effect on performance variables together.