Garuda - Garba Rujukan Digital

FINANCIAL INCLUSION THROUGH FINTECH PLATFORMS: OPPORTUNITIES AND CHALLENGES IN INDONESIA Maya Ariyanti; Ucu Supriatna; Faisal Matriadi
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024
Publisher : PT. Kreatif Indonesia Satu

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Background: Indonesia faces persistent financial exclusion despite economic growth, with over 100 million adults lacking formal financial access. Aims: This research investigates fintech contributions to financial inclusion in Indonesia. Method: Mixed-methods with survey (n=500) and interviews across urban/rural Indonesia. Results: Digital payments show 78% adoption; digital lending reaches 42% of previously unbanked. Key barriers include digital literacy (65%), internet access (52%), and trust (48%). Government support correlates with 2.3x higher adoption. Contribution: Provides evidence for fintech-driven inclusion in emerging markets, informing policy and platform development.

ASSESSING THE ROLE OF MANAGEMENT ACCOUNTING IN STRATEGIC DECISION-MAKING AND ORGANIZATIONAL PERFORMANCE Ucu Supriatna; Wawan Ichwanudin; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

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Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.

EXAMINING THE RELATIONSHIP BETWEEN CUSTOMER ENGAGEMENT AND BRAND ADVOCACY IN DIGITAL PLATFORMS Ucu Supriatna; Nia Riana; Zaenal Aripin
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 4 (2025): Jesocin : April
Publisher : Organisasi Kreatif Indonesia Emas

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Background:With the increasing prominence of digital platforms in modern marketing, customer engagement has become a key driver of brand success. The role of customer engagement in fostering brand advocacy, particularly through the use of digital platforms, has garnered significant attention. One of the most influential factors in this process is user-generated content (UGC), which has been shown to impact brand perceptions and customer behavior. Aims:This study aims to explore the relationship between customer engagement behaviors on digital platforms and brand advocacy, with a particular focus on the role of emotional connection and user-generated content. The research seeks to identify the key factors that influence customer engagement and how these behaviors contribute to brand advocacy, thereby providing insights into effective digital marketing strategies. Research Method:A mixed-methods approach was employed, combining both qualitative and quantitative research methods. Data was collected through surveys and interviews with digital platform users, analyzing their engagement behaviors, emotional connections with brands, and the impact of user-generated content on brand advocacy. The data was then analyzed using statistical methods to identify patterns and correlations. Results and Conclusion:The study found that active customer engagement behaviors, such as commenting and sharing content, were strongly correlated with higher levels of emotional connection to the brand, which in turn increased the likelihood of brand advocacy. User-generated content, particularly positive reviews and social media posts, served as a powerful form of social proof, influencing other customers to trust and engage with the brand. Brands that leveraged personalized content, community-building tools, and influencer collaborations saw higher levels of customer engagement and advocacy. Contribution:This research contributes to the growing body of knowledge on customer engagement and brand advocacy by providing a comprehensive analysis of the factors that drive advocacy behaviors on digital platforms. It highlights the importance of emotional connection, UGC, and platform features in shaping customer perceptions and loyalty. The findings offer valuable insights for brands seeking to enhance their digital marketing strategies and foster long-term customer loyalty.

DIGITAL CAPABILITY AND DATA-DRIVEN DECISION MAKING IN MSMEs: A CONCEPTUAL FRAMEWORK FOR ADAPTIVE PERFORMANCE Nia Riana; Ucu Supriatna
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 9 (2024): Jesocin - August
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual article examines digital capability as a capability for strengthening MSME adaptation and sustainable performance. It integrates established perspectives on resources, dynamic capabilities, organizational learning, networks, and entrepreneurial ecosystems. The manuscript does not claim primary survey, interview, experimental, or statistical data. The synthesis develops a staged framework that connects diagnosis, capability building, implementation, evaluation, and learning. It argues that MSMEs create stronger outcomes when managerial routines convert information and relationships into repeatable decisions rather than treating individual programs or technologies as isolated solutions. The framework identifies practical governance requirements, risks, and propositions for future empirical testing.

ASSESSING THE ROLE OF MANAGEMENT ACCOUNTING IN STRATEGIC DECISION-MAKING AND ORGANIZATIONAL PERFORMANCE Ucu Supriatna; Wawan Ichwanudin; Ijang Faisal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.

EXAMINING THE RELATIONSHIP BETWEEN CUSTOMER ENGAGEMENT AND BRAND ADVOCACY IN DIGITAL PLATFORMS Ucu Supriatna; Nia Riana; Zaenal Aripin
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 4 (2025): Jesocin : April
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Background:With the increasing prominence of digital platforms in modern marketing, customer engagement has become a key driver of brand success. The role of customer engagement in fostering brand advocacy, particularly through the use of digital platforms, has garnered significant attention. One of the most influential factors in this process is user-generated content (UGC), which has been shown to impact brand perceptions and customer behavior. Aims:This study aims to explore the relationship between customer engagement behaviors on digital platforms and brand advocacy, with a particular focus on the role of emotional connection and user-generated content. The research seeks to identify the key factors that influence customer engagement and how these behaviors contribute to brand advocacy, thereby providing insights into effective digital marketing strategies. Research Method:A mixed-methods approach was employed, combining both qualitative and quantitative research methods. Data was collected through surveys and interviews with digital platform users, analyzing their engagement behaviors, emotional connections with brands, and the impact of user-generated content on brand advocacy. The data was then analyzed using statistical methods to identify patterns and correlations. Results and Conclusion:The study found that active customer engagement behaviors, such as commenting and sharing content, were strongly correlated with higher levels of emotional connection to the brand, which in turn increased the likelihood of brand advocacy. User-generated content, particularly positive reviews and social media posts, served as a powerful form of social proof, influencing other customers to trust and engage with the brand. Brands that leveraged personalized content, community-building tools, and influencer collaborations saw higher levels of customer engagement and advocacy. Contribution:This research contributes to the growing body of knowledge on customer engagement and brand advocacy by providing a comprehensive analysis of the factors that drive advocacy behaviors on digital platforms. It highlights the importance of emotional connection, UGC, and platform features in shaping customer perceptions and loyalty. The findings offer valuable insights for brands seeking to enhance their digital marketing strategies and foster long-term customer loyalty.

DIGITAL CAPABILITY AND DATA-DRIVEN DECISION MAKING IN MSMEs: A CONCEPTUAL FRAMEWORK FOR ADAPTIVE PERFORMANCE Nia Riana; Ucu Supriatna
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 9 (2024): Jesocin - August
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

This conceptual article examines digital capability as a capability for strengthening MSME adaptation and sustainable performance. It integrates established perspectives on resources, dynamic capabilities, organizational learning, networks, and entrepreneurial ecosystems. The manuscript does not claim primary survey, interview, experimental, or statistical data. The synthesis develops a staged framework that connects diagnosis, capability building, implementation, evaluation, and learning. It argues that MSMEs create stronger outcomes when managerial routines convert information and relationships into repeatable decisions rather than treating individual programs or technologies as isolated solutions. The framework identifies practical governance requirements, risks, and propositions for future empirical testing.

DATA-INFORMED DECISION MAKING AND MSME ADAPTABILITY: AN INTEGRATIVE FRAMEWORK FOR EVIDENCE, LEARNING, AND RESOURCE ALLOCATION M. Syafarudin Mahaputra; Ucu Supriatna
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 5 (2025): Jesocin : May
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual paper develops an integrative framework for data-informed decision making and MSME adaptability in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how evidence quality, managerial interpretation, resource allocation, feedback cycles, and adaptive learning can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle. Implications are developed for owner-managers, support institutions, and future empirical research.

RESOURCE EFFICIENCY AND CIRCULAR BUSINESS PRACTICES IN MSMEs: A CAPABILITY FRAMEWORK FOR SUSTAINABLE OPERATIONS M. Syafarudin Mahaputra; Ucu Supriatna
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 6 (2025): Jesocin : June
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual paper develops an integrative framework for resource efficiency and circular business practices in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how material efficiency, waste reduction, process redesign, supplier collaboration, and sustainable value creation can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes problem diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle. Implications are developed for owner-managers, support institutions, and future empirical research.

GREEN OPERATIONAL CAPABILITIES AND CIRCULAR BUSINESS TRANSITION IN MSMES: A CONCEPTUAL MODEL OF RESOURCE EFFICIENCY, LEARNING, AND ECOSYSTEM COLLABORATION Ricky Agusiady; Ucu Supriatna
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 7 (2025): Jesocin : July
Publisher : Organisasi Kreatif Indonesia Emas

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This conceptual and integrative review develops a framework for green operational capabilities in micro, small, and medium enterprises. It addresses the problem that resource constraints make environmental transition difficult even though energy, materials, waste, and supplier choices directly affect MSME cost and competitiveness. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how resource-flow visibility, eco-efficient routines, circular experimentation, supplier collaboration, learning-oriented measurement can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to lower waste, cost discipline, innovation, legitimacy, long-term competitiveness and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.

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