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Heny Hendrayati

Universitas Pendidikan Indonesia

Author-ID : 3711176

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Neuroscience Public Health Social Sciences Transportation Other

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STABLECOINS, CENTRAL BANK DIGITAL CURRENCIES, AND THE FUTURE OF THE MONETARY SYSTEM Kurbanbayeva Marjona; Netti Nurhayati; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.280

Stablecoins and central bank digital currencies (CBDCs) have moved to the center of debates on the future of money because both instruments combine technological innovation with questions of payment efficiency, monetary sovereignty, legal design, and financial stability. This article examines how private digital money in the form of stablecoins and public digital money in the form of CBDCs may reshape the monetary system. The study uses a structured qualitative review based only on the user’s original article and analyzes official publications from institutions such as the Bank for International Settlements (BIS), International Monetary Fund (IMF), Financial Stability Board (FSB), European Central Bank (ECB), CPMI-IOSCO, and selected central bank studies. The review finds that stablecoins may improve payment speed, programmability, and some cross-border transactions, but they also create risks related to reserve quality, run behavior, deposit substitution, market concentration, and foreign-currency dependence. CBDCs are being explored not simply as digital cash replacements, but as strategic public instruments that may preserve the role of central bank money, support competition in payments, and strengthen resilience in a more tokenised financial environment. The article argues that the most plausible future is not a single dominant form of digital money, but a hybrid architecture in which cash, reserves, bank deposits, tokenised deposits, regulated stablecoins, fast payment systems, and selected forms of CBDC coexist. The main policy implication is that public money must remain the anchor of trust in digital environments while private innovation develops within a strong framework of interoperability, prudential safeguards, and consumer protection.

FINANCIAL ALLOCATION FOR SUSTAINABLE LANDFILL MANAGEMENT IN UZBEKISTAN Shomurodov Sarvarbek; Budhi Pamungkas Gautama; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.281

This study analyzes how financial resources should be allocated in Uzbekistan’s landfill-based municipal solid waste system to improve ecological performance and economic sustainability. The article is adapted from the author’s original IMRAD manuscript and reorganized to match the Abisatya Eko-Bisma journal template . The study uses documentary analysis, comparative literature review, scenario modeling , and multi-criteria assessment to compare four allocation strategies: business-as-usual, landfill-first, circular-recovery, and an integrated hybrid model . The results show that simply spending money on disposal sites won't make landfills work better. Putting together a financing package that includes all of the following is the best way to do this: better collection , better transfer logistics , clean landfills , controlling methane and leachate, digital billing , and slowly recovering materials . Putting landfills first makes it easier to follow the rules , but it doesn't work as well for circularity and getting money back over time . It's hard to put a model that relies heavily on recycling into action if collection reliability and engineered disposal capacity aren't always reliable . A hybrid allocation model that is backed by tariff reform, better data systems, extended producer responsibility , and climate-linked financing is the best way to go . The research shows that Uzbekistan can move from a system where people only use landfills when they need to to a public utility model. This model is more stable, protects the environment, makes services more reliable, and helps the economy move to a more circular model .

Green Entrepreneurial Orientation and Sustainable Performance of SMEs in Indonesia and Malaysia Sulastri Sulastri; Ratih Hurriyati; Heny Hendrayati; Noor Faizah Mohd Lajin; Sharifah Zannierah Syed Marzuki
MIX: JURNAL ILMIAH MANAJEMEN Vol. 16 No. 1 (2026): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2026.v16i1.022

Objectives: This study investigates Green Entrepreneurial Orientation (GEO) as a key driver of Green Innovation (GI) in Small and Medium Enterprises (SMEs) in Indonesia and Malaysia. It examines how environmentally oriented entrepreneurial strategies encourage the adoption of green technologies, sustainable processes, and eco-friendly products. By integrating GEO into their operations, SMEs can enhance innovation, strengthen competitive advantage, and achieve sustainable performance while reducing environmental impacts.Methodology: A quantitative research approach was employed using a cross-sectional survey of 200 SME owners and managers in Indonesia and Malaysia. Data were collected via structured questionnaires and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM), including comprehensive assessments of the measurement model, structural model, and mediation effects.Finding: The results indicate that Green Entrepreneurial Orientation has a significant positive effect on Green Innovation. Green Innovation, in turn, has a significant positive effect on Sustainable Performance. However, Green Entrepreneurial Orientation does not have a significant direct effect on Sustainable Performance. The mediation analysis confirms that Green Innovation fully mediates the relationship between Green Entrepreneurial Orientation and Sustainable Performance, suggesting that entrepreneurial orientation contributes to sustainability outcomes only when translated into innovative environmental practices. These findings highlight the critical role of innovation capability in enhancing the sustainable performance of SMEs in both Indonesia and Malaysia.Conclusion: This study demonstrates that Green Innovation is a key mechanism linking Green Entrepreneurial Orientation to Sustainable Performance. The findings contribute to the Resource-Based View by emphasizing the importance of innovation capability in transforming environmental orientation into sustainable competitive advantage. Practically, the study suggests that SME managers should prioritize the development of green innovation capabilities, while policymakers should strengthen institutional support, technology transfer, and sustainability-oriented programs to foster long-term sustainable performance across SMEs in Indonesia and Malaysia.

Empirical Analysis of Innovation-Driven Strategies on Vocational School Graduate Competitiveness in the Industry 4.0 Era Chaerunnisa; Heny Hendrayati; Ratih Hurriyati; Puspo Dewi Dirgantari; Budi Harto
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 6 (2025): JIAKES Edisi Desember 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i6.4413

The fourth industrial revolution has changed the economic landscape and labor market, creating disruption in various sectors and increasing demand for graduates with 21st-century skills. However, there is a striking difference between the competencies of vocational high school graduates and the growing needs of industry 4.0, as evidenced by the high unemployment rate. Previous research on the impact of transformational leadership, industry partnerships, and teacher talent management on graduate competitiveness has often shown inconsistent results and indicated the presence of a suspected mediating factor, namely school innovation culture. This study is explanatory and quantitative, applying a Partial Least Squares Structural Equation Modeling approach involving 150 respondents from vocational high schools. The analysis shows that industry partnerships have an influential and largest direct effect on school innovation culture (β=0.698) and graduate competitiveness (β=0.667). Furthermore, teacher talent management contributes (β=0.251) to graduate competitiveness. School innovation culture shows an influential mediating role in the relationship between industry partnerships and graduate competitiveness (β=0.151), but has no effect on the relationship with other strategic variables. These findings indicate the importance of strengthening strategic industry partnerships and the need to implement concrete innovation incentive policies to accelerate the transformation of vocational schools.

The Role of Memorable Educational Tourism Experience in Shaping Revisit Intention: The Moderating Effects of Novelty Seeking and Overtourism Sensitivity Pramudita Faddila, Syifa; Hurriyati, Ratih; Hendrayati, Heny; Puspito Diyah Setiyorini, Heri; Sidiq Idris Azzam, Muhammad
IJORER : International Journal of Recent Educational Research Vol. 7 No. 3 (2026): May
Publisher : Faculty of Teacher Training and Education Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46245/ijorer.v7i3.1438

Objective: This study contributes theoretically by developing a conditional dual-moderation model that explains when and for whom MTE effectively translates into revisit intention, particularly within educational tourism contexts.. Method: A quantitative approach was employed using a survey method, with data collected from 319 respondents who had previously visited tourism destinations in West Java. Data were analyzed using Moderation Regression Analysis (MRA) with Hayes PROCESS Model 2 in SPSS to examine both direct and moderating effects. Results: The results indicate that MTE has a positive effect on revisit intention, suggesting that memorable experiences encourage tourists to consider revisiting the same destination. However, the strength of this relationship varies depending on individual characteristics and perceptions. Novelty seeking weakens the relationship between MTE and revisit intention, indicating that tourists with a strong preference for new experiences are less likely to revisit the same destination despite having memorable experiences. In contrast, overtourism sensitivity influences how tourists evaluate the feasibility of revisiting, as concerns about crowding and destination conditions shape future travel considerations. Novelty: This study contributes by integrating novelty seeking and overtourism sensitivity as simultaneous moderators in the MTE–revisit intention relationship, offering a more comprehensive explanation of how memorable experiences translate into future behavioral intentions in tourism contexts.

Leadership as a Strategic Management Instrument: A Systematic Review and Conceptual Framework I Dewa Gede Sayang Adi Yadnya; Heny Hendrayati; Eeng Ahman; Yana Setiawan; Askolani Askolani; Rasto Rasto
Fundamental and Applied Management Journal Vol. 4 No. 2 (2026): June
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v4i2.1146

Organizations need leadership that connects long-term direction with operational execution under conditions of rapid technological, social, and environmental change. This review synthesizes recent evidence on leadership functions across strategy formulation, implementation, monitoring, and evaluation and develops a framework for later empirical testing. Scopus was searched through 23 July 2026 using leadership and strategic-management terms. Eligible records were peer-reviewed, open-access, English-language journal articles published from 2022 to the search date, available in full text, and reporting an extractable relationship between leadership and at least one strategic-management stage. From 180 records, 27 studies met the criteria. Twenty-two empirical studies were appraised with the Mixed Methods Appraisal Tool, five non-empirical studies were identified separately, and all studies were synthesized thematically. The corpus comprised two studies from 2022, two from 2023, ten from 2024, ten from 2025, and three from 2026. Fourteen empirical studies met all applicable MMAT criteria, seven had one reporting concern, and one had two concerns. The synthesis identified leadership functions related to innovation, sustainability governance, and digital transformation and mapped these functions across strategic-management stages. The mediating role of strategic-management processes and the conditioning roles of collaborative culture and hierarchical rigidity are author-developed propositions rather than review findings. Leadership can be treated as an organizational mechanism that aligns vision, resources, and action, but the proposed relationships require empirical validation.

MARKETING PERFORMANCE IMPROVEMENT MODEL THROUGH DIGITAL INNOVATION OF BANKING PRODUCTS: MODERATION ROLE OF DIGITAL LITERACY Mohamad Faizal; Ratih Hurriyati; Heny Hendrayati; Mokh. Sultan
Jurnal Riset Bisnis dan Manajemen Vol. 17 No. 2 (2024): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v17i2.18448

This study aims to explore the improvement of marketing performance by digital service quality through digital innovation of banking products, with digital literacy moderation. The design of this study is an explanatory survey of 384 Bank Mandiri customers who use the Livin' by Mandiri application in Region VI/Java 1 under the West Java Regional Office. Data analysis is a descriptive and verification method using Partial Least Square (PLS). The findings are that Bank Mandiri's marketing performance can be implemented well through digital innovation of banking products, which is based on the quality of digital services, strengthened by digital literacy. The novelty is related to placing the Digital Innovation of Banking Product variable as a mediator, and Digital Literacy as a moderation. The implication is that Bank Mandiri needs to elaborate digital innovation of banking products to ensure the products and services align with customer expectations and needs in marketing performance.

BUILDING BRAND IMAGE IN THE REFILL PERFUME INDUSTRY THROUGH CUSTOMER EXPERIENCE CREATION AND WORD OF MOUTH Hernandi Sujono; Ratih Hurriyati; Lili Wibowo; Heny Hendrayati
Jurnal Riset Bisnis dan Manajemen Vol. 18 No. 1 (2025): February Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v18i1.18771

The rise in perfume usage has led to many brands or companies establishing refill perfume businesses. The refill perfume industry currently faces challenges in building a strong brand image. This research aims to examine the influence of customer experience and word of mouth in establishing the brand image of the refill perfume industry. The method used in this study is a quantitative descriptive approach with Structural Equation Modeling-Partial Least Square (SEM-PLS). The analysis tool used is SmartPLS. The population for this study consists of refill perfume consumers from each branch of refill perfume stores in five major cities in West Java Province: Bandung, Tasikmalaya, Garut, Bekasi, and Cirebon. The minimum sample size taken is 332 respondents, using cluster sampling. The results of this study indicate the influence and significance of customer experience and word of mouth in building the brand image of the refill perfume industry.

THE INFINITE MODEL: MOBILE PAYMENT CONTINUANCE INTENTION Abdul Yusuf; Ratih Hurriyati; Disman Disman; Heny Hendrayati; Yosep Hidayat
Jurnal Riset Bisnis dan Manajemen Vol. 19 No. 1 (2026): February Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v19i1.36086

This study investigates the factors influencing users' continuance intention (CI) in fintech mobile payment services, particularly in the post-COVID-19 era. With the rapid adoption of digital payment methods, the research examines key determinants such as perceived usefulness, perceived ease of use, trust, security and privacy, satisfaction, and habit. An explanatory quantitative research design was employed, analyzing data from 101 respondents. The results reveal that habit and satisfaction are the primary drivers of continuance intention, while traditional factors such as ease of use and trust become less significant in the post-adoption phase. These findings challenge established models and highlight the shift in user behavior towards habitual use and emotional satisfaction. This study contributes to the literature by offering an integrated model for understanding user retention in the fintech sector and provides practical insights for fintech providers to enhance customer engagement and foster long-term loyalty.

A Research Map of Technology-Based Digital e-CRM: A Bibliometric Analysis to Identify Innovations and Future Trends Fitrina Lestari; Agus Rahayu; Heny Hendrayati
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1574

This research investigates the progression of technology-driven digital e-CRM systems, focusing on three primary goals: uncovering research patterns, assessing the impact of technological advancements on e-CRM growth, and identifying future research prospects. The study also seeks to confirm hypotheses regarding the increasing emphasis on technology in e-CRM, the transformative effects of merging e-CRM with e-commerce and digital marketing, and emerging opportunities in analytics, and data security. A bibliometric examination of Scopus-indexed publications was performed using vosviewer application. The datasets were refined through three queries related to e-CRM concepts, technological innovations, and customer outcomes, resulting in 623, 60, and 14 documents, respectively. The results unveil significant trends, including the incorporation of Big Data and predictive analytics for data-informed decision-making, the implementation of AI and machine learning for customization and automation, the integration of social media into CRM strategies to boost engagement, the synergy between e-CRM, e-commerce, and digital marketing for omnichannel experiences, and the shift towards scalable cloud-based CRM systems. These findings validate the hypotheses, underscoring the crucial role of technological progress in reshaping e-CRM and enhancing customer experiences. Future research opportunities encompass advancing sentiment analysis for social media, harnessing IoT for real-time engagement, and tackling data privacy challenges to foster trust. Although limited to bibliometric methods and Scopus data, this study contributes to the existing literature by mapping e-CRM research trends, offering practical insights for professionals, and suggesting future directions aligned with emerging technologies and global challenges, thus emphasizing the strategic importance of aligning e-CRM innovation with evolving consumer needs.

Co-Authors A, Ahmad Paris Abdul Ahmad Hafidh Nurmansyah Abdul Yusuf Achmad Muhammad, Achmad Achyarsyah, Mochamad Adam Hermawan Adib Sultan, Adib Agista Nabilaharis Agus Rahayu Agus Rahayu Agus Rahayu Agus Rahayu Agus Rahayu Agus Rahayu Agus Sudono Ahmad Hudaiby Galih Kusumah Alfattory Rheza Syahrul Alwinda Manao Amirul Afif Muhamat Amirul Afif Muhamat Andrieta Shintia Dewi Anna Permanasari Arie Indra Gunawan Arief Budiman Arisman, Ari Aryani, Kiki Askolani Askolani Asti Nur Aryanti Astri Wulandari Atrisia, Marchela Indah Axrorov Saidmunirxon Ayuningtyas Yuli Hapsari Ayuningtyas Yuli Hapsari Azman, Heru Aulia Bambang Widjajanta Budhi Pamungkas Gautama, Budhi Budhi Wahyu Fitriadi Budi Harto Chaerunnisa Chairul Furqon, Chairul Chatarina Umbul Wahyuni Christianingrum Cici Cintyawati Ciptagustia, Annisa Damayanti, Fenny Dede Kurnia Dede Kurnia Dede Nursilah, Dede Dematria Pringgabayu Depy Muhamad Pauzy Deti Mulyo Harsono Disman Disman Disman Disman, Disman Edi Suryadi Eeng Ahman, Eeng Effendy, Femmy Elvira Azis Epon Ningrum Fahreza, Mohammad Fanji Wijaya Farizki Maulana Rafliansyah Farizki Maulana Rafliansyah Femmy Effendy Femmy Effendy Ferry Arfiansyah Fitri Lestari, Fitri Fitri Novilia Fitrina Lestari Fitrina Lestari Frederic Marimon Granit Agustina Hadiaty, Fifit Hari Mulyadi Hendri, Meriza Hernandi Sujono Hernandi Sujono Heryana, Nono Hilda Monoarfa Huda, Miftakul I Dewa Gede Sayang Adi Yadnya Ika Barokah Suryaningsih Ikaputera Waspada, Ikaputera Imas Purnamasari Indra Gunawan, Ari Inomjon Qudratov Inomjon Qudratov Iqbal Rabiul Awal, Rais Istiharini Istiqomah, Chairunnisa Iwan Kurniawan Iwan Kurniawan Iwan Setiawan Jaxongir Davronov Askarovich Jejen Jaenal Aripin Jejen Jaenal Aripin Johan, Ahmad Jumadil Saputra Juniari, Rosa Prafitri Juwanto Juwanto Kartika, Titing Khoirun Nisa Bahri Koswara, Silvia Septyani Kurbanbayeva Marjona Kusumah, Ahmad H.G Kusumah, Ahmad hudaiiby Galih Kusumah, Echo Perdana Laelia, Nurul Lena Lestary Leonita Siwiyanti Lili Adi Wibowo Lili Wibowo Listri Herlina Maisa Asmara Manoarfa, Hilda Marhadi Marhadi, Marhadi Marimon, Frederic Maya Sari Megantara, Khandinar Shidik Meriza Henri Miftahuddin, S.Si.,MAB., asep Mochamad Achyarsyah Mohamad Faizal Mohammad Fahreza Mokh Adib Sultan Mokh Adib Sultan, Mokh Adib Mokh. Sultan Monoarfa, Hilda Mubarok, Ramdhan Faizal Mubiar Agustin Muhamad Anggi F Muhamad Rafi Rayhan Muhamat, Amirul Afif Muhammad Deny, Muhammad Muhammad Fatwa F Mulyana, Yadi Munawar, Asep Munawaroh Munawaroh Nadeak, Thomas Netti Nurhayati Netti Siska Nurhayati Noor Faizah Mohd Lajin Nor Aiza Moketar Norshahidatul Hasana Ishak Novilia , Fitri Novilia, Fitri Nugraha Nugraha NUNIEK DEWI PRAMANIK Nur, Lutfi Nur, Lutfi Nurdin, Mohammad Nurihsan, Achmad Juntika Nurul Hidayah Mat Zain Oce Ridwanudin Palupi Permata Rahmi Pamuji Aminullah, Zakariya Perdana, Yoga Perengki Susanto Pinasthika, Azhyra Rana Pramudita Faddila, Syifa Purnomo Puspito Diyah Setiyorini, Heri Puspo Dewi Dirgantari Puteri Dearini Joesdienar Putit, Lennora Putri Wafda Fauziah Rabiul Awal, Rais Iqbal Rahman, Shandikha Arya Yudha Rahmat, Adhitya Rahmy Karimah Syahidah Ramayani Yusuf Rasto Rasto Ratih Hurriyati Ratih Hurriyati Raya Sulistyowati Rena Yuliana Ridwan, Okky Rizal Rina Suprina Riske Faldesiani Rivaldi Arissaputra Riza, Noviana Rojabov Hakimboy Rubini, Rizki Adriansyah Safitri, Wiji Salsa Satriani Setiawan Saputra, Yori Andes Sarah, Kania Siti Savitri, Citra Sharifah Zannierah Syed Marzuki Shintia Permata Shomurodov Sarvarbek Sidiq Idris Azzam, Muhammad Simatupang, Frido Sarita Sisda Ferlianti Siti Aisyah Siti Rahayu Abdul Aziz Sujono, Hernandi Sulastri Sulastri Surachman, Eka Suryana Suryana Suryana Suryana Suryana Suryana Suziana, Suziana Syahbudiman, Rayhan Syahidah, Rahmy Karimah Syamsu Yusuf Syamsu Yusuf, Syamsu Syifa Pramudita Faddila Tegar Tegar Ditya Pragama Teguh Sandjaya Teuku Dhani Al Ramdhani Thomas Nadeak Tia Yuliawati Tiara Asyifa Setiawan Tjutju Yuniarsih, Tjutju Ulil Hartono Vanessa Gaffar Veranita, Mira Verinita, Verinita Virginia, Reggina Widi Prayoga Wiji Safitri Willma Fauzzia Yana Setiawan Yori Andes Saputra Yosep Hidayat Yudha Rahman, Shandika Yuin, Hwang Wu Yuliana, Rena YUSUF, RAMAYANI Zein Bastian

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