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All Journal Journal of Economic, Bussines and Accounting (COSTING) Journal of Economics and Business UBS Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Journal Research of Social Science, Economics, and Management Eduvest - Journal of Universal Studies
Yos Sunitiyoso
Institut Teknologi Bandung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Social Sciences Other

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Business Strategy for Sustainable Barbershop Partnership (Case Study: Kolega Barber) galih fadillah; Hasnul Suhaimi; Yos Sunitiyoso
Journal of Economics and Business UBS Vol. 12 No. 4 (2023): Special Issue
Publisher : UniSadhuGuna Business School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i4.220

Abstract

The barbershop industry in Indonesia has seen significant growth in recent years, with an annual growth rate of 20-30%. Kolega Barber is one of the players in this industry, utilizing a partnership model to target entrepreneurs and foster collaboration among stakeholders. However, the lack of standardization in the interior of the barbershops poses a significant challenge, making it difficult for potential partners to know what to expect. This study aims to analyze the current business situation of Kolega Barber's partnership model and develop a sustainable partnership model by addressing challenges identified through a 7Ps analysis. The study employs qualitative research methods, including interviews with Kolega partners and observation. The Development of a Business Model Canvas was utilized to create a model of sustainable partnership for Kolega Barber. This involved identifying the essential partners, resources, activities, and revenue streams for the business's success. The strategic implementation plan focuses on SOP development, human capital development, monitoring and controlling programs, and promotional support. Kolega Barber's long-term success and customer loyalty depend on building strong partnerships, leveraging technology, and emphasizing sustainability and a unique store concept.
REPOSITIONING THE INDONESIAN CREDIT CARD INDUSTRY IN THE ERA OF DIGITAL FINANCIAL SERVICES: A SCENARIO PLANNING APPROACH Fabian Dheano Alamsyah; Yos Sunitiyoso
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 2 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19436182

Abstract

This study aims to analyze the current position of the Indonesian credit card industry in formulating alternative scenario planning as a repositioning effort in the digital era. Using a qualitative research design with descriptive methods, this study was conducted using interview data collection and documentation studies from various literature sources. Scenario planning was developed using PESTEL analysis and Porter’s Five Forces to identify key points, changes, and future scenario planning for credit cards in Indonesia. The results indicate that efforts to reposition the Indonesian credit card industry require strengthening and integrating the Indonesian credit card industry ecosystem with digitalized services. Transformation efforts are not limited to just transformation efforts, but also the need to strengthen regulators that offer customer acquisition and expand flexible collaboration
Developing a Sustainable Integration Model for Sectoral State-Owned Holdings: A Conceptual Framework Raden Gerald Setiawan Grisanto; Sudarso Kaderi Wiryono; Yos Sunitiyoso
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 8 No. 1 (2024): July - December Issue
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v8i1.2615

Abstract

This paper develops a comprehensive conceptual framework aimed at integrating and synergizing Sectoral State-Owned Holdings (SOHs) to significantly enhance their competitiveness and sustainability. The framework is designed to fill critical gaps in the existing literature by addressing key areas, such as value creation, innovation, and strategic alignment, which are essential for the long-term success of SOHs. One of the primary contributions of this framework is its emphasis on the incorporation of non-economic factors, such as customer satisfaction, community engagement, and environmental stewardship, which are increasingly recognized as vital components of sustainable business practices. The framework also delves into the nuanced impact of government intervention on the performance and strategic orientation of SOHs, exploring how state policies and regulations can either enable or hinder their growth and competitive positioning. By providing a structured approach, this framework enables SOHs to leverage their unique resources and capabilities more effectively, ensuring that they achieve sustainable competitive advantages. Furthermore, the framework underscores the importance of aligning SOH strategies with national economic and social objectives, thereby positioning these entities not only as key drivers of economic growth but also as contributors to broader societal well-being. Ultimately, this paper offers a valuable tool for policymakers, managers, and researchers interested in optimizing the performance and strategic impact of SOHs in a dynamic global economy.
The Role of Fintech Lending in Financial Inclusion and Poverty Alleviation: A Systematic Review Thomas Airlangga; Yos Sunitiyoso; Oktofa Yudha Sudrajad
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 8 No. 2 (2025): January - June Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v8i2.3115

Abstract

Fintech lending has emerged as a transformative tool for expanding financial inclusion and reducing poverty. This study conducts a systematic literature review (SLR) of 39 articles published between 2010 and 2023, using Scopus as the primary database, to evaluate the impact of fintech lending on poverty alleviation across different socio-economic contexts. The findings reveal that fintech lending enhances financial accessibility through mobile money, digital microfinance, and alternative credit-scoring mechanisms, particularly benefiting underserved populations. However, challenges such as the digital divide, financial literacy gaps, and risks of over-indebtedness persist. Islamic finance models, including digital zakat and Shariah-compliant microfinance, have shown the potential to support poverty alleviation in Muslim-majority regions. Effective fintech implementation depends on adaptive regulatory frameworks, consumer protection measures and integration with traditional financial institutions. This study contributes to the literature by synthesizing global insights on fintech’s role in poverty alleviation and identifying key success factors for sustainable financial inclusion. Policymakers and practitioners can leverage these findings to develop inclusive fintech ecosystems that mitigate risks while maximizing social and economic impact. Future research should explore the long-term effects of fintech lending and its role in environmental sustainability and regulatory advancements.
Marketing Strategy Scenario Planning to Increase Digital Market Penetration (Project Based: PT Asuransi Tri Pakarta) Juniar Firdaus Imran; Yos Sunitiyoso
Journal Research of Social Science, Economics, and Management Vol. 5 No. 7 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i7.1298

Abstract

The main challenge faced by PT Asuransi Tri Pakarta (TRIPA) is the low acquisition of new customers through digital channels, despite significant investments in digital infrastructure such as the TRIPA Smart app and omnichannel systems. This gap is driven internally by limited brand awareness and externally by intensifying competition from Insurtechs and traditional insurers. To navigate this uncertainty, the study applies scenario planning to analyze future environments and formulate adaptive marketing strategies for boosting digital market penetration. The research aims to identify root causes, analyze the current situation, formulate future scenarios for the next three to five years, and develop adaptive marketing strategies for each potential scenario.This research employs a descriptive qualitative approach, with data collected through semi-structured interviews involving key stakeholders, including company management, the Head of the Indonesian General Insurance Association (AAUI), regulators, and customer representatives. The analysis and discussion will present an examination of the internal situation (using the STP and SWOT frameworks) and the external situation (using the PESTEL and Porter’s Five Forces frameworks), which will then be used to identify driving forces and critical uncertainties. From there, plausible scenarios will be constructed and described narratively, followed by testing to formulate a flexible digital marketing strategy. This research is expected to provide practical contributions to TRIPA’s management in formulating proactive and resilient marketing policies, as well as academic contributions by applying scenario planning in the context of the Indonesian insurance industry.
SOFT SYSTEM METHODOLOGY (SSM) APPROACH TO ADDRESS ORGANIZATIONAL INEFFICIENCIES IN HUFF AND PUFF OPERATIONS Faizal Ardi Warsiyanto; Yos Sunitiyoso; Budiarso Budiarso
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v8i4.15552

Abstract

The success of maintaining production in heavy oil fields is highly dependent on the effectiveness of Huff and Puff operations. However, in practice, this effectiveness is often hampered by technical limitations, budget constraints, organizational incompatibilities, and administrative inefficiencies. This study highlights issues at PT Energi Mega Persada (EMP), where a lack of communication and coordination between the engineering team, field teams (production and well service), and support functions (finance, procurement, and SHE) creates significant operational barriers. Each function has different priorities engineering focuses on reservoir optimization, field teams on operational execution, and support functions on regulatory compliance and budgeting but there is no integrated mechanism to align these priorities. This research uses Soft Systems Methodology (SSM) as a managerial approach to analyze organizational dynamics and identify root causes from the perspective of various stakeholders. Through systemic mapping of inter-functional conflicts and barriers, SSM enables the development of an integrated strategy that integrates technical and managerial decisions. The analysis results show that operational success is not solely determined by technology, but also by cross-functional collaboration, adaptive leadership, and integration between corporate strategy and operational conditions in the field. The application of SSM helps EMP formulate a more efficient, responsive, and aligned coordination framework with long-term production goals.
Impact of Net Zero Emission 2060 Initiatives to the Commercial Electric Vehicle Adoption in Indonesia: A System Dynamic Model Approach Abdu Robbi; Yos Sunitiyoso
Eduvest - Journal of Universal Studies Vol. 6 No. 8 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i8.53385

Abstract

Indonesia has committed to achieving Net Zero Emissions (NZE) by 2060, with transport electrification identified as one of the key mitigation strategies. This study investigates the impact of government policies on commercial electric vehicle adoption, particularly electric buses, in Indonesia using a System Dynamics approach. A simulation model was developed in Vensim® PLE 10.3.1 based on Causal Loop Diagrams (CLDs) and Stock-and-Flow Diagrams (SFDs) to evaluate 17 policy scenarios over the 2026–2060 period. The scenarios represent combinations of value-added tax (VAT) incentives, fuel price reforms, and electricity tariff policies under Indonesia’s Enhanced Nationally Determined Contribution (ENDC). The findings indicate that, under business-as-usual conditions, commercial electric bus adoption remains limited, reaching only approximately 8,925 units by 2060. The Total Cost of Ownership (TCO) is identified as the primary determinant of adoption, with fuel prices exerting the strongest influence on market competitiveness. Among the evaluated scenarios, the combination of a 10% VAT incentive and fuel subsidy removal produces the best outcome, enabling the market to reach the projected saturation level of 132,000 electric buses while expanding domestic manufacturing capacity to more than 20,500 units annually. This scenario is also projected to reduce approximately 8,785 Gg CO₂ emissions in 2060, contributing 18–22% of the annual emissions reduction target under Indonesia’s Second Nationally Determined Contribution (SNDC). The results highlight that fuel price reform is the most effective policy instrument, while VAT incentives and affordable electricity tariffs play complementary roles in accelerating commercial electric vehicle adoption.
Co-Authors Abdu Robbi Budiarso Budiarso Fabian Dheano Alamsyah Faizal Ardi Warsiyanto galih fadillah Hasnul Suhaimi Juniar Firdaus Imran Marcel Saputra Raden Gerald Setiawan Grisanto Sudarso Kaderi Wiryono Sudrajad, Oktofa Yudha Thomas Airlangga