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All Journal Sanskara Ekonomi dan Kewirausahaan Eastasouth Journal of Effective Community Services Jurnal Hukum dan HAM Wara Sains Jurnal Multidisiplin West Science Jurnal Pendidikan West Science Jurnal Akuntansi dan Keuangan West Science Jurnal Bisnis dan Manajemen West Science Jurnal Ekonomi dan Kewirausahaan West Science West Science Interdisciplinary Studies West Science Accounting and Finance West Science Interdisciplinary Studies West Science Social and Humanities Studies
Muhamad Ammar Muhtadi
Universitas Nusa Putra
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Financial Information Transparency and Data Security on Building User Trust in Peer-to-Peer Lending Platforms in Indonesia Meiske Wenno; Muhamad Ammar Muhtadi; Rully Fildansyah
West Science Interdisciplinary Studies Vol. 4 No. 05 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i05.2878

Abstract

This study examines the influence of financial transparency and data security on user trust in peer-to-peer (P2P) lending platforms in Indonesia. The rapid growth of fintech services has increased public adoption of digital lending platforms; however, concerns regarding transparency and cybersecurity remain significant challenges affecting consumer confidence. This research employed a quantitative approach using a survey method involving 250 respondents who had experience using P2P lending platforms in Indonesia. Data were collected through structured questionnaires using a five-point Likert scale and analyzed using SPSS version 25. The results indicate that financial transparency has a positive and significant effect on user trust, demonstrating that clear and accessible financial information enhances perceptions of platform reliability and accountability. Data security was also found to positively and significantly influence user trust, indicating that strong protection of personal and financial information increases confidence in digital transactions. Simultaneously, financial transparency and data security significantly influence user trust in P2P lending services. The findings suggest that fintech companies should strengthen transparent financial communication and cybersecurity systems to maintain public trust and support the sustainable development of digital financial services in Indonesia.
Idiosyncratic Risk in Corporate Finance: A Global Research Landscape Indra Halim; Yana Priyana; Muhamad Ammar Muhtadi; Muhammad Fithrayudi Triatmaja; Ferlinda Ainur Rachmani
Sanskara Ekonomi dan Kewirausahaan Vol. 4 No. 03 (2026): Sanskara Ekonomi dan Kewirausahaan (SEK)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/sek.v4i03.892

Abstract

This study aims to map and analyze the global research landscape of idiosyncratic risk in corporate finance using a bibliometric approach. Data were retrieved from the Scopus database and analyzed using VOSviewer software to examine publication trends, co-authorship patterns, institutional collaborations, country contributions, and keyword co-occurrence structures. The findings indicate that research on idiosyncratic risk is highly concentrated within a core intellectual structure dominated by corporate finance, asset pricing, and financial market theories. Co-authorship and institutional analyses reveal a significant dominance of U.S.-based authors and universities, while emerging contributions from countries such as China, Germany, and India highlight increasing global participation. Keyword analysis shows that the field has evolved from foundational studies on volatility and market efficiency toward more interdisciplinary themes, including behavioral finance, corporate governance, and macroeconomic policy. The study concludes that idiosyncratic risk research has developed into a mature and expanding field that integrates multiple dimensions of financial economics and corporate decision-making.
The Legality and Challenges of Carbon Trading Implementation in Indonesia within the Framework of Presidential Regulation Number 98 of 2021 Rival Pahrijal; Arief Fahmi Lubis; Muhamad Ammar Muhtadi
West Science Social and Humanities Studies Vol. 4 No. 04 (2026): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v4i04.2827

Abstract

This study analyzes the legality and challenges of implementing carbon trading in Indonesia under Presidential Regulation No. 98 of 2021 using a normative legal approach. The regulation establishes the legal foundation for Carbon Economic Value (Nilai Ekonomi Karbon/NEK) instruments, including carbon trading, as part of Indonesia’s commitment to achieving its emission reduction targets under the Paris Agreement. Through a statutory and conceptual analysis, this research evaluates the coherence, clarity, and enforceability of the regulatory framework governing carbon trading mechanisms. The findings indicate that, normatively, carbon trading in Indonesia has a valid legal basis and reflects a progressive shift toward market-based environmental governance. However, several challenges hinder its effective implementation. These include regulatory fragmentation across sectors, overlapping institutional authorities, limited clarity in implementing regulations, and the underdevelopment of monitoring, reporting, and verification (MRV) systems. In addition, issues related to market readiness, stakeholder capacity, and alignment with international carbon trading standards further complicate the operationalization of the system. This study concludes that while the legal framework for carbon trading has been formally established, its practical effectiveness depends on further regulatory refinement, institutional strengthening, and improved coordination mechanisms. Strengthening legal certainty and enhancing implementation capacity are essential to ensure that carbon trading can function as an effective instrument for climate change mitigation in Indonesia.
Analysis of QRIS Payment Accessibility and Perceived Benefits as Determinants of Financial Performance for Culinary SMEs in Tangerang Muhammad Faisal; Rival Pahrijal; Muhamad Ammar Muhtadi
West Science Social and Humanities Studies Vol. 4 No. 04 (2026): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v4i04.2846

Abstract

This study analyzes the influence of QRIS payment accessibility and perceived benefits on the financial performance of culinary SMEs in Tangerang. The increasing adoption of digital payment systems, particularly QRIS introduced by Bank Indonesia, has transformed transaction processes and business operations among SMEs. However, the extent to which accessibility and perceived benefits contribute to financial performance remains an empirical question. This research employs a quantitative approach using primary data collected from 185 culinary SME owners through structured questionnaires measured on a Likert scale. Data analysis was conducted using IBM SPSS Statistics 25, including descriptive statistics, validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that QRIS payment accessibility has a positive and significant effect on financial performance, suggesting that ease of use and availability of digital payment systems enhance transaction efficiency and business operations. Perceived benefits also show a positive and significant effect, with a stronger influence compared to accessibility, indicating that SMEs that recognize the advantages of QRIS tend to achieve better financial outcomes. Simultaneously, both variables significantly affect financial performance, with a coefficient of determination (R²) of 0.460, meaning that 46% of financial performance variation is explained by the model. This study contributes to the literature on digital financial inclusion and SME performance by providing empirical evidence from the culinary sector. The findings highlight the importance of improving both accessibility and awareness of QRIS benefits to support sustainable SME growth and competitiveness in the digital economy.
The Role of Transformational Leadership and Digital Culture in Enhancing Employee Agility and Readiness to Adapt to Change Among Employees in Indonesia’s Telecommunications Sector Setyowati Subroto; Rully Fildansyah; Muhamad Ammar Muhtadi
West Science Social and Humanities Studies Vol. 4 No. 07 (2026): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v4i07.2997

Abstract

The rapid advancement of digital technologies has significantly transformed the telecommunications industry, requiring organizations to develop adaptive employees capable of responding effectively to continuous change. In this dynamic environment, employee agility and readiness to adapt to change have become essential capabilities for maintaining organizational competitiveness. This study aims to examine the role of transformational leadership and digital culture in enhancing employee agility and readiness to adapt to change among employees in Indonesia’s telecommunications sector. This research employed a quantitative approach using survey data collected from 155 employees working in telecommunications companies in Indonesia. Data were collected through a structured questionnaire using a five-point Likert scale and analyzed using Statistical Package for the Social Sciences (SPSS) version 25. The analytical procedures included validity testing, reliability testing, classical assumption testing, and multiple linear regression analysis to examine the proposed relationships among variables. The results indicate that transformational leadership has a positive and significant effect on employee agility and readiness to adapt to change. Furthermore, digital culture significantly influences employee agility and demonstrates the strongest effect on readiness to adapt to change. These findings highlight that effective leadership practices and a supportive digital culture are critical factors in developing an adaptive workforce capable of navigating technological disruption. The study contributes to the literature on digital transformation by emphasizing the importance of human-centered organizational capabilities in achieving successful transformation outcomes. Practically, telecommunications companies should strengthen transformational leadership competencies and cultivate digital-oriented organizational cultures to improve employee adaptability and organizational resilience.
Peran Orientasi Pasar dalam Meningkatkan Kinerja Perusahaan Startup di Indonesia Haerawan Haerawan; Muhamad Ammar Muhtadi; Rani Eka Arini
Jurnal Bisnis dan Manajemen West Science Vol 4 No 04 (2025): Jurnal Bisnis dan Manajemen West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jbmws.v4i04.2917

Abstract

Penelitian ini mengkaji peran orientasi pasar dalam meningkatkan kinerja perusahaan startup di Indonesia. Orientasi pasar, yang mencakup orientasi pelanggan, orientasi pesaing, dan koordinasi antarfungsi, dianggap sebagai pendekatan strategis untuk mencapai keunggulan kompetitif dan pertumbuhan berkelanjutan. Desain penelitian kuantitatif digunakan, melibatkan 115 peserta startup yang memberikan data melalui kuesioner skala Likert. Data dianalisis menggunakan SPSS Versi 25, termasuk statistik deskriptif, uji reliabilitas dan validitas, serta analisis regresi berganda. Hasil penelitian menunjukkan bahwa ketiga dimensi orientasi pasar secara positif dan signifikan mempengaruhi kinerja startup, dengan orientasi pelanggan memiliki pengaruh yang paling kuat. Penelitian ini menyoroti bahwa startup yang memahami kebutuhan pelanggan, memantau pesaing, dan mengoordinasikan fungsi internal secara efektif lebih mungkin mencapai hasil bisnis yang superior. Temuan ini memberikan wawasan praktis bagi manajer startup dan wirausahawan yang bertujuan meningkatkan kinerja melalui strategi berorientasi pasar.
Analysis of Digital Payment and Financial Literacy as Instruments for Improving Financial Accountability and Business Performance in Modern Coffee Shops in Central Java Ermaini Ermaini; Muhamad Ammar Muhtadi; Rani Eka Arini
West Science Accounting and Finance Vol. 4 No. 02 (2026): West Science Accounting and Finance
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsaf.v4i02.2978

Abstract

This study examines the effects of digital payment adoption and financial literacy on financial accountability and business performance among modern coffee shops in Central Java. A quantitative explanatory design was employed using primary data collected from 125 coffee shop owners and managers through a structured questionnaire measured on a five-point Likert scale. The data were analyzed using IBM SPSS Statistics version 25 through descriptive statistics, validity and reliability testing, classical assumption testing, multiple linear regression, t-tests, F-tests, and coefficient of determination analysis. The results indicate that digital payment adoption has a positive and significant effect on financial accountability, with a standardized coefficient of 0.396 and a significance value below 0.001. Financial literacy also positively affects financial accountability, with a standardized coefficient of 0.451 and a significance value below 0.001. Together, digital payment adoption and financial literacy explain 61.0% of the variance in financial accountability. Digital payment adoption, financial literacy, and financial accountability also have positive and significant effects on business performance, with standardized coefficients of 0.247, 0.301, and 0.416, respectively. The second regression model explains 71.4% of the variance in business performance. Financial accountability demonstrates the strongest influence on business performance, indicating that accurate records, transparent reporting, and effective financial control are essential for improving organizational outcomes. The study concludes that integrating digital payment systems with strong financial literacy can enhance financial accountability and support sustainable business performance among modern coffee shops.
Pengaruh Stres Kerja dan Beban Kerja terhadap Turnover Intention Karyawan Efi Endang Dwi Setyorini; Muhamad Ammar Muhtadi; Rival Pahrijal
Jurnal Ekonomi dan Kewirausahaan West Science Vol 4 No 02 (2026): Jurnal Ekonomi dan Kewirausahaan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jekws.v4i02.3352

Abstract

Penelitian ini bertujuan untuk menguji pengaruh stres kerja dan beban kerja terhadap niat berhenti kerja karyawan di Indonesia menggunakan pendekatan kuantitatif. Data dikumpulkan dari 255 responden di berbagai sektor melalui kuesioner terstruktur yang diukur dengan skala Likert. Data dianalisis menggunakan SPSS Statistics versi 25, dengan menerapkan statistik deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, dan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa stres kerja dan beban kerja memiliki pengaruh positif dan signifikan terhadap niat berhenti kerja karyawan. Stres kerja menunjukkan pengaruh yang lebih kuat dibandingkan beban kerja, menunjukkan bahwa tekanan psikologis memainkan peran yang lebih dominan dalam membentuk niat karyawan untuk berhenti kerja. Secara bersamaan, stres kerja dan beban kerja secara signifikan menjelaskan variasi dalam niat berhenti kerja, dengan koefisien determinasi (R²) sebesar 0,472. Temuan ini menyoroti pentingnya mengelola tingkat stres karyawan dan menyeimbangkan beban kerja untuk mengurangi niat berhenti kerja. Penelitian ini berkontribusi pada literatur dengan memberikan bukti empiris dalam konteks Indonesia dan menawarkan implikasi praktis bagi organisasi dalam merancang strategi manajemen sumber daya manusia yang efektif untuk meningkatkan retensi karyawan.
Pengaruh Marketplace Utilization dan Customer Relationship Management terhadap Loyalitas Konsumen UMKM Fashion di Jakarta Selatan Muhamad Ammar Muhtadi; Sumarni Sumarni; Rival Pahrijal
Jurnal Ekonomi dan Kewirausahaan West Science Vol 4 No 03 (2026): Jurnal Ekonomi dan Kewirausahaan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jekws.v4i03.3773

Abstract

Penelitian ini mengkaji pengaruh pemanfaatan marketplace dan manajemen hubungan pelanggan terhadap loyalitas konsumen terhadap usaha mikro, kecil, dan menengah (UMKM) fesyen di Jakarta Selatan. Pendekatan kuantitatif eksploratif digunakan untuk menganalisis hubungan antar variabel penelitian. Data dikumpulkan dari 150 konsumen yang telah membeli produk fesyen dari UMKM fesyen di Jakarta Selatan melalui marketplace online. Responden dipilih menggunakan purposive sampling, sedangkan instrumen penelitian berupa kuesioner terstruktur yang diukur menggunakan skala Likert lima poin. Data dianalisis menggunakan SPSS versi 25 melalui analisis statistik deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, regresi linier berganda, uji t parsial, uji F simultan, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa pemanfaatan marketplace memiliki pengaruh positif dan signifikan terhadap loyalitas konsumen. Manajemen hubungan pelanggan juga memiliki pengaruh positif dan signifikan terhadap loyalitas konsumen. Secara simultan, pemanfaatan marketplace dan manajemen hubungan pelanggan secara signifikan mempengaruhi loyalitas konsumen, sebagaimana ditunjukkan oleh nilai F sebesar 84,722 dan nilai signifikansi di bawah 0,001. Nilai R² yang disesuaikan sebesar 0,529 menunjukkan bahwa 52,9% variasi loyalitas konsumen dijelaskan oleh dua variabel independen. Temuan ini menunjukkan bahwa pemanfaatan pasar yang efektif dikombinasikan dengan manajemen hubungan pelanggan yang kuat dapat meningkatkan retensi pelanggan, pembelian berulang, dan loyalitas jangka panjang terhadap UMKM fesyen.
Do Digital Capabilities, Business Process Automation, and Agile Mindset Significantly Affect The Operational Effectiveness of Technology Startups in South Jakarta? Salwa Aulia Novitasari; Zainal Arifin; Muhamad Ammar Muhtadi
West Science Interdisciplinary Studies Vol. 4 No. 03 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i03.2700

Abstract

The rapid development of digital technology has transformed the operational landscape of technology startups, requiring organizations to enhance their efficiency and adaptability in highly competitive environments. This study aims to analyze the influence of digital capabilities, business process automation, and agile mindset on the operational effectiveness of technology startups in South Jakarta. A quantitative research approach was employed using survey data collected from 125 respondents working in technology startup companies. The data were gathered through structured questionnaires measured using a five-point Likert scale and analyzed using multiple linear regression with SPSS version 25. The results of the analysis show that digital capabilities, business process automation, and agile mindset have positive and significant effects on operational effectiveness. Digital capabilities were found to improve organizational efficiency through the effective use of digital technologies and data-driven decision-making. Business process automation contributes to operational efficiency by reducing manual processes and increasing workflow consistency. Meanwhile, an agile mindset enhances organizational flexibility, enabling startups to respond quickly to market changes and technological developments. The simultaneous testing results also indicate that these three variables collectively explain a significant proportion of operational effectiveness in technology startups. The findings suggest that the integration of digital capabilities, automation technologies, and agile organizational culture plays a crucial role in strengthening the operational performance of technology startups. This study provides practical insights for startup managers and policymakers in developing strategies that support digital transformation and sustainable operational growth.
Co-Authors Ahmad Muzayyin Arief Fahmi Lubis Dewi Ayu Prastica Dito Anurogo Efi Endang Dwi Setyorini Ermaini Ermaini Erwin Parega Fatma Sarie Ferlinda Ainur Rachmani Haerawan Haerawan Ikhwan Alfiansyah Ilham Akbar Bunyamin Imam Hanafi Indiyah Prana Amertawengrum Indra Halim Loso Judijanto Masrina Masrina Meiske Wenno Moh Gifari Sono Muhammad Ade Kurnia Harahap Muhammad Faisal Muhammad Fithrayudi Triatmaja Muhammad Rusdi Muhammad Umer Farooq Mujahid Murthada Murthada Rani Eka Arini Rival Pahrijal Rully Fildansyah Sabalius Uhai Sahrul Sahrul Salwa Aulia Novitasari Sari, Titis Nistia Selviani Sesilia Setyowati Subroto Sulistyo Andarmoyo Sumarni Sumarni Supriandi Supriandi Yana Priyana Yana Priyana Yenik Pujowati Zainal Arifin