Abstract:The issue of digitalization of education has led to the increased dependency on Information Systems (IS), especially Learning Management Systems (LMS), to provide continuity of learning after the COVID-19 pandemic situation.…
ion. At Edulab, as a large learning service provider in Indonesia, LMS works as a central of learning provision, evaluation, communication, and academic tracking. Despite the strategic role, there are still frequent problems like unreliable access, incomplete evaluation, flawed data, and deteriorated performance when the system is at its peak usage, and it interferes with the learning processes and lowers the level of user confidence. This paper discusses the effect of LMS quality on service delivery, satisfaction among users and effectiveness of the entire platform at the institution. It is being analyzed in terms of the DeLone and McLean Information System Success Model, which is being supplemented by the Technology-Organization-Environment (TOE) framework. The mixed method was used, which integrated a survey of 1,081 users of the LMS who were estimated through Structural Equation Modeling (SEM) and a semi-structured interview with key stakeholders of the management. The results suggest that system, information, and service quality are very powerful predictors of user satisfaction with service quality coming out as the most significant factor in LMS effectiveness in service-oriented institutions of learning.
Abstract:This study examines the effect of work motivation and soft skill training on employee performance with competence as a mediating variable. The research was conducted at the Office of Women’s Empowerment, Child Protection,…
on, Population Control, and Family Planning (DP3AKB) of Banten Province. A quantitative approach with a census method was applied, involving all 134 employees as respondents. Data were collected using a structured questionnaire and analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results indicate that work motivation and soft skill training have positive and significant effects on employee performance. Furthermore, both variables significantly influence employee competence. Competence also has a positive and significant effect on employee performance and partially mediates the relationship between work motivation and performance as well as between soft skill training and performance. These findings suggest that improving employee performance in public sector organizations requires integrated human resource development strategies focusing on motivation enhancement, effective soft skill training, and systematic competency development.
Abstract:The persistent gap between theoretical instruction and real-world practice remains a critical challenge in business education, particularly in contexts involving Micro, Small, and Medium Enterprises (MSMEs). Experiential…
learning has been promoted as a pedagogical response to this challenge; however, many initiatives lack structured frameworks that integrate student learning with meaningful community engagement. This study examines the implementation of the BRIDGE model (Build, Reach, Discover, Grow, and Elevate) as a structured business mentoring approach grounded in experiential learning principles. Using a qualitative participatory action research design, the study involved 15 undergraduate business students and five MSMEs in Semarang City, Indonesia. Data were collected through participant observation, in-depth interviews, focus group discussions, reflective journals, and program documentation, and analyzed using thematic analysis. The findings indicate that the BRIDGE model facilitates deep experiential learning by enabling students to connect theoretical concepts with contextual business realities, while simultaneously generating instrumental and symbolic benefits for MSME partners. Despite limitations related to program duration, the model demonstrates strong potential as a feasible and transferable framework for experiential business education in emerging economy contexts.
Abstract:The development of Islamic microfinance institutions requires the implementation of financing schemes that are not only compliant with Sharia principles but also capable of maintaining financing quality and sustainability.…
y. One of the most widely applied contracts is murabahah financing, particularly in supporting Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the implementation of murabahah financing and the risk mitigation strategies applied at BMT Alif Mandiri Makassar. This research employs a qualitative approach with a descriptive-analytical method. Data were collected through field observations, in-depth interviews with management and financing officers, and documentation studies. The findings indicate that murabahah financing at BMT Alif Mandiri Makassar is implemented regularly through several stages, including application submission, feasibility analysis, financing approval, contract realization, and post-disbursement monitoring. The financing analysis emphasizes repayment capacity, members' character, and the suitability of financed goods for productive business needs. Risk mitigation strategies are conducted through careful customer character assessment, direct business verification, proportional margin determination, the use of collateral as a financing safeguard, and continuous monitoring. This study concludes that productive murabahah financing supported by integrated risk management practices is an effective and sustainable financing instrument for the development of MSMEs within Islamic microfinance institutions
Abstract:Micro, small, and medium enterprises (MSMEs) in developing countries like Indonesia are highly vulnerable to financial risks yet often lack formal risk-management practices, relying instead on personal experience, intuition,…
ion, and culturally rooted local practices to navigate financial uncertainty. This study aimed to identify MSME owners' perceptions of financial risks, explore informal mitigation strategies based on local experience and community practices, analyze the influence of cultural norms and social networks, and propose a contextually grounded problem-solving framework. Employing a qualitative research design, the study used in-depth semi-structured interviews, direct observations, and document analysis with MSME owners, and analyzed the data using thematic analysis and triangulation to ensure credibility. The results revealed three primary financial risk-mitigation strategies: adaptive cash-flow management, reliance on social capital and local economic networks, and experiential diversification driven by local market knowledge. The findings demonstrate that MSMEs develop resilience through culturally embedded practices and social structures, confirming that interventions should leverage existing informal mechanisms and integrate culturally compatible tools rather than imposing rigid formal frameworks.
Abstract:Digital transformation at Islamic Rural Banks demands governance that is accountable, secure, and aligned with sharia principles. This study aims to map digital governance practices and formulate prerequisites for safe,…
compliant, and value-oriented implementation. Using a qualitative phenomenological approach and adopting an active participatory method, data were collected through in-depth interviews, document reviews, and observations with purposive sampling (management, DPS, IT/cybersecurity units, and customers). The analysis refers to the Miles & Huberman model (data reduction–data presentation–conclusion drawing); validity is maintained through source triangulation, member checking, and audit trails. The findings consolidate five key domains: (1) the role of DPS in digital decisions and ongoing supervision, (2) human resource capabilities and risk culture, (3) IT & cybersecurity architecture (data protection, incident response, business continuity), (4) risk management–compliance (synchronization of OJK–DSN–MUI guidelines), and (5) digital customer literacy and experience. The theoretical contribution integrates the Institutional, Accountability, and TAM/UTAUT perspectives to explain the drivers and barriers to adoption. Practically, a risk-based digital governance roadmap is developed that prioritizes cybersecurity governance, strengthening the role of the DPS through digital oversight, and data governance policies.
Abstract:In an uncertain economic climate, a large global retailer used AI-powered spend intelligence to move $220 million from indirect operational costs toward high-impact R&D. In a difficult recession, this decisive step boosted…
ed revenue by 11%, demonstrating the transformative impact of effective capital management. This achievement contrasts with "spend blindness," where industry studies show most financial leaders struggle to link expenditure patterns to strategic growth outcomes and resort to reactive cost-cutting. This study addresses this crucial gap. A thorough mixed-methods approach including a global survey of 400 CFOs, longitudinal case studies of ten multinational organizations, and advanced predictive modeling substantiated a new paradigm. Research shows that companies that understand AI-driven spend orchestration develop 7.3% faster than competitors. This premium comes from a 37% improvement in the Growth Efficiency Ratio (GER), a critical statistic for translating savings into innovation, and 5.8 times more strategic investment opportunities than standard financial approaches allow. The Spend Intelligence Quotient (SIQ), a groundbreaking statistic that assesses financial agility through integrated spend monitoring, predictive analytics, and rapid capital reallocation, is key to this advantage. This paper introduces the empirically based Spend Orchestration Framework and the requirements for the 2025 AI Finance Stack to obtain SIQ >80, the empirically proven threshold for sustainable competitive advantage. The message is clear: finance chiefs must go beyond oversight. Today's CFO may use predictive contracting and algorithmic governance to turn spend data into strategic leverage, ensure resilience, and capture disproportionate value in.
Abstract:The increased integration of operational technology (OT), Internet of Things (IoT), and business IT systems has allowed sophisticated attackers to circumvent isolated security features and launch cross-platform assaults.…
Current fragmented techniques, with discrete detectors monitoring Modbus, Kubernetes, MQTT, or other domain-specific protocols, cannot handle cross-system risks. These methodologies overlook 68% of multi-vector marketing that uses both physical and digital channels. This study introduces a transfer learning architecture to integrate detection capabilities by correlating threats across protocols, devices, and settings. The architecture generates a unified feature space that extracts behavioral semantics from industrial control system logs, cloud telemetry, network traffic, and device-level signals to produce protocol-agnostic threat representations. Adversarial domain adaptation and semantic graph embeddings enable cross-domain knowledge transfer with minimum retraining. Security teams may now discover kill chains like infected cloud containers preceding illegal PLC command execution every 23 minutes. Validated against real-world attack datasets from water treatment facilities (OT) and cloud infrastructure (IT), the system achieved 93.4% cross-platform attack recall, a 41.3 percentage point improvement over prior methodologies. It reduced OT data labeling by 89% and false positives by 93.5%. This paradigm shift transforms threat correlation from a reactive, domain-specific process to adaptive intelligence, boosting resilience for critical infrastructure, industrial ecosystems, and smart environments facing cyber-physical hazards. The framework's practical validation in energy, industry, and vital infrastructure shows its importance in protecting an increasingly linked world.
Abstract:This study aims to determine the effect of Word of Mouth (WOM) and promotion on consumer purchasing decisions for Fore Coffee products at the Alauddin Makassar branch. In the current digital era, consumer behavior is heavily…
vily influenced by peer recommendations and digital promotional strategies. Using a quantitative research approach with stratified random sampling, data were collected from 100 respondents through a Likert-scale questionnaire. Multiple linear regression analysis was used to assess the impact of the two independent variables—WOM and promotion—on purchasing decisions. The results showed that WOM has a significant partial influence on purchasing decisions, indicating that peer communication, both traditional and electronic, is a dominant factor in shaping consumer perceptions and preferences. Promotion, on the other hand, did not show a significant partial effect, suggesting that price incentives alone may not be sufficient to influence purchasing behavior unless reinforced by social influence or trust. However, the simultaneous effect of WOM and promotion was statistically significant, emphasizing their combined role in consumer decision-making. The study concludes that WOM is a more dominant and effective marketing tool than standalone promotions and should be central to marketing strategies in the lifestyle-based coffee industry. These findings contribute to a deeper understanding of consumer behavior and offer practical implications for enhancing marketing effectiveness through integrated communication approaches.
Abstract:The Indonesian coffee industry continues to grow rapidly, increasing competition among businesses. Bahagia Kopi faces challenges in slowing sales growth and stagnant asset expansion, requiring a strategic approach to sustain…
tain long-term growth. This study evaluates Improvement and Scaling as the most suitable growth strategies, using a mixed-method approach that integrates semi-structured interviews and quantitative analysis through the Analytic Hierarchy Process (AHP) and financial assessment. In the short term, operational efficiency and service quality improvements are the main priorities, requiring investment in training and performance-based incentives. In the long term, branch expansion in Bandung is identified as the key growth initiative, with funding as the primary challenge since Bahagia Kopi still depends on internal capital. Financial analysis of 2023 reports shows increased profitability, but a 32% funding shortfall remains for expansion. To address this, Mixed Financing is the most balanced approach, maintaining a healthy solvency ratio while minimizing financial risk. With a cautious yet strategic approach, Bahagia Kopi can achieve sustainable expansion without overleveraging debt, ensuring long-term stability and maintaining business growth