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All Journal JURNAL BISNIS STRATEGI Diponegoro Journal of Management Syntax Literate: Jurnal Ilmiah Indonesia International Journal of Economics, Business and Accounting Research (IJEBAR) Tax Literacy and Leadership Agility: Indigenous Peoples Awareness in Paying Taxes Journal of Business, Social and Technology Research Horizon IIJSE Economic and Business Horizon Entrepreneurship and Innovation Review
Amie Kusumawardhani, Amie
Jurusan Manajemen Fakultas Ekonomika dan Bisnis Universitas Diponegoro
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Utilization of Artificial Intelligence for Financial Inclusion and Business Sustainability Among MSME Operators: Literature Review Sudrajat, Bagas; Johan, Destarika Irene; Kusumawardhani, Amie; Indriani, Farida
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.390

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a business sector that plays an important role in Indonesia's economy. MSME actors often face challenges in the sustainability of their businesses, both in terms of innovation and competitiveness, especially in the current digital era, which requires MSME actors to understand rapidly evolving technology. In the current technological development, the utilization of Artificial Intelligence (AI) can assist in various aspects of daily life. MSME actors can develop their businesses with the help of AI for decision-making and to take part in the financial sector, which ultimately improves business sustainability and more broadly increases economic growth. However, AI has not been widely utilized by MSMEs in Indonesia. The research method employed in this study is a literature review, which is a review or summary of previous research findings on the utilization of AI for financial inclusion and business sustainability in the MSME sector. This study presents an overview of the benefits and challenges of AI for MSME actors, as well as its impact on improving business sustainability and increasing economic growth.
The Effect of eWOM on Social Media in Purchasing Decisions: Systematic Literature Review Khairunisa, Jihan; Saputri, Lufiana; Yuniawan, Ahyar; Kusumawardhani, Amie
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.395

Abstract

This study examined, in some way, the Millennial and Z Generation's use of previously owned goods. Just a sprinkle of focus on eWOM, a topic not easily visible, has been made. This eWOM, just to clarify, stands for electronic word-of-mouth, a concept circulating on social network platforms that influences purchase choices. Eco-friendliness is under scrutiny in our current environment; therefore, the younger demographic's inclination is leaning towards purchasing secondhand items due to their green attributes. A survey of literature has been undertaken, which strangely uncovers observations like worries over the environment, the impact of society, and product quality judgment. These discoveries are somewhat correlated to information absorption and prospective buying inclination. One cannot ignore the finding relating to eWOM—that it holds a significant influence over the MZ Generation's transaction habits. Recommendations received from comrades or critiques present in the online realm assist in garnering trust and influencing their perspectives concerning product quality. Environmental awareness and the societal mark of approval bear significance in their decision-making process. Through grasping these layers of complexity, marketing strategies may need modification; most likely, it will promote better engagement with this MZ generation to encourage sustainable consuming practices.
Sustainable Water Management Strategies through Smart Technology Integration: Systematic Review Femmilia, Femmilia; Margareth Pasule, Louisiana Elizabeth; Kusumawardhani, Amie
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.433

Abstract

This study aims to review the current literature on sustainable water management strategies in the development of Indonesia's New Capital City (Ibu Kota Nusantara/IKN) in East Kalimantan, with a particular emphasis on the integration of Smart Water Management (SWM) with the smart city concept in creating an efficient and sustainable clean water supply system. Based on the literature review conducted, it reveals that the SWM concept is an important component of the IKN vision for a modern city with the importance of implementing a smart water grid, which includes real-time water quality monitoring and leak detection to optimize water resource management. This technology not only improves efficiency but also supports the development of resilient infrastructure that is able to respond to challenges such as flooding, which is a significant problem in Indonesia. In addition, researchers advocate collaborative efforts between the government, private sector, and civil society to ensure sustainable development and effective water management strategies in the IKN. The results of the study are expected to sharpen the sustainable water management strategies that have been prepared by stakeholders in the development of the IKN and highlight the importance of integration with technology to facilitate the transition to a smart city.
The Influence of E-Wallets on the Consumptive Behavior Generation Z: Systematic Review Kuswardhani, Epifaniga Lintang; Sari, Margaretha Ananda Nurachma Pravita; Yuniawan, Ahyar; Kusumawardhani, Amie
Economic and Business Horizon Vol. 4 No. 2 (2025): May
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.2.2025.638

Abstract

This study investigates the impact of e-wallet usage on the consumer behavior of Generation Z, a demographic group that is rapidly embracing digital financial technologies. As digital payment systems become increasingly integrated into daily life, especially for tech-savvy young consumers, concerns have emerged regarding their influence on financial decision-making and spending habits. E-wallets offer ease, speed, and convenience, which may lead users particularly Generation Z to engage in more frequent and impulsive purchasing behavior. Through a systematic review of existing empirical studies, this research analyzes patterns and trends in the relationship between e-wallet adoption and consumptive behavior. The findings consistently demonstrate a significant positive correlation between the frequency of e-wallet usage and an increase in consumer spending. Key factors such as user-friendly interfaces, real-time transactions, digital promotions, and perceived security are identified as major drivers behind this trend. Additionally, the review highlights the dual nature of e-wallets: while they promote financial inclusion and accessibility, they also pose risks related to financial discipline. The study concludes by emphasizing the need for enhanced financial literacy, responsible digital behavior, and strategic interventions to ensure that e-wallet usage supports rather than undermines the long-term financial well-being of Generation Z.
Consumer Behavior Analysis in Buying Used Cars through Electronic-Based Auction Applications OLX Autos Semarang City Adityamurti, Enggar; Kusumawardhani, Amie
Journal of Business Social and Technology Vol. 5 No. 1 (2024): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v4i2.156

Abstract

This research examines OLX Autos users, namely one of the electronic service providers available for fast processing and fulfillment of each transaction related to electronic automotive auctions in Indonesia. This study aims to determine the effect of attitudes and subjective norms on purchase intentions and their influence on purchasing decisions at OLX Autos electronic auctions. The sample used in this study was 175 respondents or users of the OLX Autos application. The data analysis method used in this study is Partial Least Square using Smartpls software. The test results show that attitudes have a positive and significant effect on purchase intention. Subjective Norms have a positive and significant effect on purchase intention. Attitude has a positive and significant effect on purchasing decisions. Subjective norms have a positive and significant effect on purchasing decisions. And buying interest has a positive and significant effect on purchasing decisions.
Analysis of Indonesian Charcoal Briquette Company Strategies for Improving Export Performance (Case Study on Charcoal Briquette Company, CV. Mega Briquette Semarang) Indrasari, Putvika; Kusumawardhani, Amie
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3918

Abstract

This research aims to develop a qualitative research model by identifying the strategy of the CV. Mega Briquette company is facing obstacles in shipping charcoal briquettes and identifying the contribution of network capabilities and information capabilities to improving the company’s export performance. This research uses qualitative methods by conducting in-depth interviews with representatives from CV. Mega Briquette. The findings in this research are that networking capabilities and information capabilities are proven to contribute to improving export performance at CV. Mega Briquette. It is hoped that future research will be able to obtain more sources. It is hoped that future research will be able to obtain more sources so that it can explain the strategies used by other Charcoal Briquette companies to improve their companies’ export performance. Managerial Implications for Charcoal Briquette Companies in Improving Company Export Performance. This study explains the contribution of Network Capability and Informational Capability to export performance in a company. This research model is used to determine the contribution of network and informational capabilities in improving export performance in companies.
Supervisory Leadership and Coaching for Cross-Selling Performance: A Systematic Review Simamora, Nartha; Hutagalung, Roland; Kusumawardhani, Amie
Entrepreneurship and Innovation Review Vol. 4 No. 1 (2026): June Edition
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/210113-663

Abstract

This study synthesizes how supervisory leadership and managerial coaching influence cross-selling performance in digital-banking frontline environments. Using a Systematic Literature Review (SLR) approach, 32 peer-reviewed articles indexed in Scopus and SINTA 1–2 were analyzed to examine multi-level mechanisms through which leadership behaviors shape frontline capability, engagement, adaptive selling, and organizational agility. The review finds that supervisory leadership contributes indirectly to cross-selling effectiveness through structured coaching practices that build competence, confidence, customer-handling capability, and adaptive selling behavior. Employee engagement functions as a psychological catalyst that activates these capabilities into behavioral performance, while organizational agility strengthens execution by enabling responsive coordination, fast decision-making, and integrated customer workflows. The findings emphasize that cross-selling performance arises from the interaction of leadership-driven capability development, coaching reinforcement, psychological activation, and structural agility. This review proposes an integrated conceptual framework relevant for digital-banking and microfinance institutions seeking to improve fee-based income through capability strengthening and frontline development strategies.
Co-Authors Achmad Sobirin, Achmad Ad'hadini, Nadya Dwi Aditya Dharmawan, Aditya Adityamurti, Enggar Ahyar Yuniawan Anggasta, Astrid Giovani Annisa, Fathia Nur Ardy Maulana, Ardy Augusty Tae Ferdinand Bimo Haryotejo, Bimo Drestanta, Raka Elva Putri Kusumaning Ayu, Elva Putri Kusumaning Fajar Nugraha Fani Sabila Mustofa, Fani Sabila Farida Indriani Femmilia, Femmilia Hanggiani, Anggi Hanifa, Ima Utin Hardian, Davin Hersugondo Hersugondo Hutagalung, Roland Idris Idris Imam Ghozali Indrasari, Putvika Intan Khadijah, Intan Intan Setianingrum, Putri Irene Rini Demi Pangestuti Ismail, Fajar Johan, Destarika Irene Khairunisa, Jihan Kinasih, Raras Sekar Kurniawan, Ardy Kuswardhani, Epifaniga Lintang Lashyadi, Alva Luthfi, Muhammad Margareth Pasule, Louisiana Elizabeth Maryono Maryono Maulana, M. Rizky Mia Rusliyanti Saputri, Mia Rusliyanti Mirwan Surya Perdhana Monicha, Desy Nabillah, Rosa Naufal Nadhif, Kevin Nugraha, Raihan Ananta Nugroho Widiastomo, Nugroho Nungkiastuti, Fauzia Damas Nurhaliza, Putri Persada, Dias Gilang Prabantariksa, Mahelan Pradipta Kusumah, Kelana Ezra Prastowo, Dwi Ady Putri, Justicia Rian Raharja, Firman Ramadan, Yanuar Sidik Retno Hidayati Rosady, Ria Safitri RR. Ella Evrita Hestiandari Salsabila Puspitasari, Azzahra Saputri, Lufiana Sari, Aulia Purnama Sari, Margaretha Ananda Nurachma Pravita Simamora, Nartha Sri Wiryani Putri, Sri Wiryani Sudrajat, Bagas Sugiono Sugiono Susilo Toto Raharjo Utami, Anindya Putri Wahyu Setiawan, Abraham Willi Yunantias, Willi