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All Journal Jurnal Siasat Bisnis PHARMACON Jurnal Minds: Manajemen Ide dan Inspirasi Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Hasanuddin Journal of Applied Business and Entrepreneurship SEIKO : Journal of Management & Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Muara Ilmu Ekonomi dan Bisnis Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen Bisnis dan Kewirausahaan Paulus Journal of Accounting (PJA) Journal of Applied Data Sciences Proceedings of The International Conference on Business and Economics Economics and Business Journal International Journal of Application on Economics and Business Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Haris Maupa
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Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Medicine & Pharmacology Social Sciences

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CEO BIAS, MORAL HAZARD AND ADVERSE SELECTION: A LITERATURE REVIEW ON RISK DYNAMICS IN DIGITAL BANKING IN INDONESIA, WITH A PITCHING RESEARCH APPROACH Mardjono, Amerta; Maupa, Haris; Setyawan, Ignatius Roni
International Journal of Application on Economics and Business Vol. 3 No. 3 (2025): Agustus 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i3.1483-1494

Abstract

This paper investigates the impact of CEO bias, specifically overconfidence, on the financial sustainability of digital banks and the relationship between these risks. To organize prospective assessment into CEO decision-making within the digital banking industry, the evaluation employs the pitching research methodology (Faff, 2015 and 2024).This study compares and contrasts an array of existing theories and prior academic findings published between 1970 and 2024, categorized into key components such as CEO bias, moral hazard, adverse selection, and fintech solutions, and how each of these interacts with financial sustainability and governance in digital banking. This study indicates that CEO overconfidence plays a critical role in influencing the risk management practices of digital banks, particularly in the context of moral hazard and adverse selection. While fintech innovations such as big data and machine learning have improved banks' ability to assess borrower risk, they cannot fully mitigate the risks posed by information asymmetry, especially when CEO bias skews decision-making. This paper is expected to fill part of a gap in linking the studies of how CEO bias impacts the financial sustainability of digital banks, exposing moral hazard and adverse selection. It provides a practical approach to examining the moderating influence of CEO bias on moral hazard and adverse selection in Indonesia’s digital banking sector, where fintech tools are heavily relied upon. While previous research has focused on the technical risks of fintech solutions, this paper explores how behavioral biases, particularly overconfidence, impact digital banking sustainability.
THE EFFECT OF COMMUNICATION, SELF-EFFICACY AND POWER ON THE COMMITMENT OF EMPLOYEES Ie, Mei; Maupa, Haris; Madris, Madris
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.15-23

Abstract

This study aims to determine the effect of communication, self-efficacy and power on the commitment of employees of PT XYZ. This research was conducted using a descriptive quantitative approach through survey techniques. The sample used amounted to 65 respondents came from employees of PT XYZ. Data analysis was performed using Partial Least Square – Structural Equation Model (PLS-SEM) using smartPLS 3.0 software. The results showed that communication, self-efficacy and power had a positive and significant influence on employee commitment at PT XYZ. This shows that if there is an increase or improvement in communication, self-efficacy and power are able to maintain and even increase employee commitment to the company, namely PT XYZ.. The thing that needs to be considered for the company is to pay attention and keep employees having high confidence in facing work challenges. Because of communication, self-efficacy, and power influence on the employees commitment, this research has theoretically and practically implication. Theoretically, employees commitment be created through how to build a good communication, notice the employees self-efficacy, and positive power implementation. Meanwhile for practically implication, management of PT XYZ could use this research as a hint of company policy making.
WISDOM APPRECIATION IN SUSTAINABLE MANAGEMENT THOUGHT: AS GROUNDED THEORY Nuringsih, Kartika; Budiono, Herlina; Maupa, Haris; Taba, Muhammad Idrus
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.805-813

Abstract

Along with human civilization, the function of business management has changed. Adaptation is carried out as a form of wisdom in understanding social and environmental issues for becoming a new pillar in building business management sustainability. The qualitative study with a grounded theory approach is carried out to appreciate the thought of wisdom in developing management philosophy and using desk study to analyze data from scientific publications. The result proves that the existence of business management has evolved over the past 100 years from classical, neo-classical, and modern management, even in the era of sustainability. Starting from the industrial revolution 1.0 with the achievement of production efficiency up to 4.0 with speeding of information technology. Although different challenges in each era, the management goal remains the same to manage limited resources in order to meet the various desires of a changing world. Aligning with environmental issues, harmony among social responsibility, and economic growth is needed as the foundation of management philosophy so that a sense of wisdom characterizes the sustainability of current and future business goals. This study serves as a grounded theory to trace the essence of wisdom along the course of classical to modern management thinking that is synergized with sustainable development.
UNDERSTANDING SUSTAINABLE ENTREPRENEURSHIP STUDY THROUGH BIBLIOMETRIC ANALYSIS (GROUNDED THEORY) Nuringsih, Kartika; N, Nuryasman M.; Maupa, Haris; Payangan, Otto R.
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.793-804

Abstract

To harmonize sustainable development in the entrepreneurship sector, a study was carried out to get an overview of knowledge mapping and current issues on sustainable entrepreneurship. Qualitative research was conducted through bibliometric analysis using VosViewer on Scopus metadata for exploring a grounded theory. The density of visualization shows that the yellow color gradation on sustainable entrepreneurship is opaquer than the entrepreneurship’s color, so it is new to be developed as a novelty. The visualization overlay captures the linked topics of entrepreneurial studies since 2008. It is looked at some issues e.g., innovation, sustainability and development which are the gradating color of light green that has been published since 2014-2015. Conversely, other topics e.g., sustainable business models, social capital performance, business venture, and social entrepreneur are detected as current issues. On sustainable entrepreneurship, the overlay of visualization depicts the linked among specific topics e.g., entrepreneurial intention, higher education, business model, and SMEs which has been published since 2012. The further study will improve the topic of sustainable entrepreneurial intention by involving the social domain as a novelty. The bibliometric analysis results in science mapping as the basis for building a state of the art so that researchers can elaborate on ontology issues, and build epistemology and axiology in this study.
STRATEGIC ANALYSIS OF PT. KMDS, TBK. (INDONESIA’S MONIN SYRUPS DISTRIBUTOR & IMPORTER) Lukman, Steven; Maupa, Haris
International Journal of Application on Economics and Business Vol. 1 No. 3 (2023): Agustus 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i3.1794-1804

Abstract

This study aim to formulate strategy for PT. KMDS, Tbk. which will be started with identify the posision of the company in the market in order to know the competitive advanatge in the market. After established for more than 20 years PT. KMDS, Tbk. should improve accordingly with the growth of the market. Qualitative method will be used with purposive sampling & total of 16 samples will consist at least working in managerial position & working in sales department. The samples will be covering the scope of Java & Bali island as it was the biggest contributor of national sales for company. The instrument used in this research will be questionnaires formulated from the internal & external factor analysis strategy. The data gathered then will be processed using Strategic Position And Action Evaluation (SPACE) matrix combined with the SWOT matrix thus called SWOT quadrant analysis.The result shown that according to the samples respond, PT. KMDS, Tbk. does have big score both in the internal & external factor. Detailed explanation shown that company stregth overpower the weakness & opportunity also overpower the threat. Thus, it is concluded that the company posisition is at the 1st Quadrant which support for the aggressive strategy
PURCHASE DECISIONS ANALYSIS WITH SEVERAL FACTORS Winda , Winda; Maupa, Haris
International Journal of Application on Economics and Business Vol. 1 No. 3 (2023): Agustus 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i3.1805-1815

Abstract

In today's era, competition between businesses is becoming very tight, especially in the food sector. So that every company must be able to find its potential in order to maintain its business. The aims of this research to determine the influence of price, Word-of-Mouth, and service quality on purchase decisions. The theory used in this research is Price, Word-of-Mouth, Service Quality, and Buying Decision. Data was collected by distributing questionnaires to 100 respondents. The data was collected using a non-probability sampling technique using purposive sampling. The results of the analysis show that price and service quality have a positive effect on buing decision. Word-of-Mouth is the most influential variable over perceived value and service quality on buying decision. From this study, it is evident that the Word-of-Mouth variable is the most influential variable on buying decision, so the company must be able to maintain the Word-of-Mouth.
GENERATING GREEN ENTREPRENEURIAL INTENTION THROUGH ENVIRONMENTAL ATTITUDE Nuringsih, Kartika; Maupa, Haris; Patricia, Vivian
International Journal of Application on Economics and Business Vol. 1 No. 4 (2023): November 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i4.2602-2612

Abstract

In line with the achievement of sustainable development goals (SDGs), environmentally friendly business is a new challenge in carrying out entrepreneurial activities. Research on the relationship between environmental attitudes and the formation of student intentions in green entrepreneurship is necessary. Entrepreneurship students at the Faculty of Economics and Business, Universitas Tarumanagara, were involved as respondents (n = 280) using a convenience sampling technique. The purpose of this study was to determine students' intentions in green entrepreneurship activities by considering environmental attitude variables proxied through the New Ecological Paradigm (NEP) in the preparation of instruments. The results of the validity test showed that only 10 indicators could be maintained as a measure of environmental attitudes with a Cronbach’s Alpha of 0.892 and a composite reliability of 0.911 so that both were in the satisfactory category. The results of structural regression testing show a significant effect of environmental attitudes on green entrepreneurship intentions at a significance level of 5 percent. R-square of 24.60 percent indicates the large contribution of environmental attitudes to this intention. The mechanism of the relationship between attitudes and intentions is in accordance with the theory of planned behavior while the transformation in the aspect of environmental sustainability is in line with the triple bottom line theory. Based on these results, it can be adapted to an educational approach or involving stakeholders in an entrepreneurship learning approach as a support for achieving Indonesia's SDGs in 2030.
PREDICTING AFFORDABLE LOSS BEHAVIOR USING THEORY OF PLANNED BEHAVIOR FOR SME OWNER IN JAKARTA GREATER AREA, INDONESIA Selamat, Frangky; Maupa, Haris; Taba, Muhammad Idrus
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.2863-2869

Abstract

Entrepreneurs can take affordable loss actions when facing uncertain situations. This action is the entrepreneur's ability and willingness to lose or suffer losses from the entrepreneurial investment he makes. This behavior allows entrepreneurs to survive and even develop when facing an economic crisis due to the past Covid-19 pandemic. This study investigates the variables that influence the affordable loss behavior of SME owners in Jakarta, Greater Area using The Theory of Planned Behavior. Questionnaires were distributed to 200 SME owners engaged in the culinary, retail, service and manufacturing sectors. Data were analyzed using Partial Least Square. The results of this study indicate that attitudes and perceived behavioral control can be used to predict affordable loss behavioral intentions. Meanwhile, the subjective norm variable has insignificant predictive ability. The perceived behavioral control variable has the strongest association with behavioral intention. Entrepreneurs are encouraged to have positive views and attitudes towards their abilities and skills in order to be able to behave at an affordable loss, so that business continuity can be guaranteed.
ENTREPRENEURIAL COMPETENCE AND PERSONALITY AS DRIVERS OF ENTREPRENEURIAL COMMITMENT: A STUDY ON DISABLED MICRO-BUSINESS OWNERS Ie, Mei; Maupa, Haris; Madris, Madris
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.2903-2912

Abstract

Micro-enterprises have become one of the main drivers of economic growth, with business owners playing an important role in building the local economy. This presents both opportunities and challenges for people with disabilities who own micro-enterprises. One factor that is believed to have a major influence on entrepreneurial success is the entrepreneurial competence and personality of the business owner. Entrepreneurial competencies include the skills, knowledge and attitudes required to manage a business effectively. In addition, the personality of business owners is also thought to influence their commitment to their own business. A proactive, creative and risk-taking personality tends to be positively correlated with entrepreneurial commitment. The purpose of this study was to determine the effect of entrepreneurial competence and personality on the entrepreneurial commitment of micro business owners with disabilities. This study uses a quantitative descriptive approach using a questionnaire to obtain data with a sample of 133 respondents of micro business owners with disabilities in three cities in Central Java, Indonesia. This research uses primary data collected directly by the researcher. The data analysis technique uses PLS-SEM with SmartPLS 3.0. Based on hypothesis testing that has been carried out, it is found that entrepreneurial competence and personality have a positive effect on entrepreneurial commitment in micro business owners with disabilities located in three regions in Central Java.
TOWARDS SUSTAINABLE CITIZENSHIP BEHAVIOR: THE LITERATURE STUDY FOR SUSTAINABLE ENTREPRENEURSHIP EDUCATION Nuringsih, Kartika; Maupa, Haris; Taba, Muhammad Idrus
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.3150-3160

Abstract

In line with the sustainable development goals (SDGs), the entrepreneurial development model improves sustainability through sustainable entrepreneurship. The targeted segment to understand sustainability issues is entrepreneurs because their activities exacerbate the risk to environmental sustainability. Thus, the target achieved is community behavior towards sustainable development so that the emphasis of this concept is in the scope of citizenship behavior to build awareness of sustainable development. Therefore, a model was developed to foster sustainable entrepreneurial citizenship behavior (SECBs) among candidate entrepreneurs in Kulon Progo region, Daerah Istimewa Yogyakarta. This research is designed as a literature study that involves journals and articles in constructing the research model in line with sustainability issues. It involves seven constructs e.g., regional government support, sustainability entrepreneurial orientation, sustainability value, sustainability attitude, recognize opportunity, sustainable entrepreneurial intention, and SECBs. Totally 56 indicators are identified as tools for measuring seven constructs which will be followed up as instruments in the next study. The result serves as a foundation for the next study and information in developing entrepreneurship education. It relates to achieving the SDGs-4 in ensuring quality education and SDGs-8 in fostering decent work and economic growth.
Co-Authors Abdullah Sanusi, Abdullah Achmad Fatri Gandrasula Adinovi Wahyudi Adistra, Muhammad Andika Agustinus Purna Irawan Amalia, Andi Rezky Ananda Andi Aswan Andi Nur Baumassepe Arham Nawawi Arie Pratama Aurellia, Ivana Azhari, Novita Bimo, Michael Ario Budiono, Herlina Cahyadi, Herman Chandra, Suhartono Cokki Cokki Cokki Cokki Cokki, Cokki Devina Amelia Erwin Erwin Farina Fakhruddin Fetty Kwartati Gian Neysa Bulawan H. Jusni Hadi Cahyadi Haeriah Hakim Handoyo, Sarwo Eddy Hosea Jaya Edy Ignatius Roni Setyawan Jilbert, Julius Jusni Jusni Jusni Lukman, Steven Madris Madris, Madris Magfira Amalia Magfirah Kadir Maharani Maharani Mardjono, Amerta Masman, Ronnie Resdianto Mei Ie Moh. Ismail Muhammad Idrus Taba Muhammad Ismail Muhammad Sobarsyah Mulya Firdausy, Carunia N, Nuryasman M. Nuringsih, Kartika Otto Randa Payangan Pahlevi, Cepi Parawansa, Dian Anggraece Sigit Patricia, Vivian Payangan, Otto R. Raden Ayu Silvia Riani Ria Mardiana Yusuf Sadat, Andi Muhammad Saleh, Hendra Noor Sapanang, A.Baso Aditya Sarwo Edy Handoyo, Sarwo Edy Selamat, Frangky Siswati, Endang Suade, Yuyun Karystin Meilisa Sulaiman, Syarifuddin Surja, Simon Samuel Umran, M. Fankar Wahyudin Maguni, Wahyudin Wanstum Wanstum Winda , Winda Wiyanto, Hendra Yaumil Atia A. A. Omar Yosua Jaya Edy