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The effect of contextual advertising on e-engagement with content relevance as mediation: Survey on Kienka official Instagram followers Wibowo, Lili Adi; Aulia Nurizky, Sherly; Dirgantari, Puspo Dewi; Suhud, Usep; Qudratov, Inomjon
Jurnal Siasat Bisnis VOL 29, NO 1 (2025)
Publisher : Management Development Centre (MDC) Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jsb.vol29.iss1.art8

Abstract

Purpose – This study aims to obtain an overview and analyze the influence of contextual advertising on e-engagement with Content Relevance as a mediating variable on Kienka Official Instagram followers.Design/methodology/approach – This research is descriptive and verification with a quantitative approach. The sampling technique uses simple random sampling with 348 respondents. Data is processed statistically using the Structural Equation Modeling (SEM) method with the help of the AMOS for Windows program.Findings – The study results indicate that contextual advertising positively and significantly influences e-engagement with Content Relevance as a mediating variable. The magnitude of the critical ratio value that is greater than the minimum value indicates a significant influence simultaneously. The better the company pays attention to contextual advertising through Content Relevance, the higher the e-engagement produced. The dimension of contextual advertising with the highest contribution in forming e-engagement is effectiveness, while the lowest is visual experience. Meanwhile, the dimension of Content Relevance that contributes the most to increasing e-engagement is dynamism activity, while the lowest is topical relevance.Research limitations/implications – This study only focuses on Kienka Official Instagram followers so the results may not be generalizable to other platforms or industries. Further studies can explore additional factors that influence e-engagement and test the research model on different types of digital platforms and different business sectors.Practical implications – The results of this study provide insight for companies in optimizing contextual advertising and Content Relevance strategies to increase e-engagement. Companies are advised to emphasize the effectiveness aspect in contextual advertising and strengthen dynamism activity in Content Relevance to increase audience interaction more effectively.Originality/value – This study provides a new contribution by revealing the role of Content Relevance as a mediator in the relationship between contextual advertising and e-engagement. The results can be a reference for academics and practitioners in developing more effective digital marketing strategies based on contextual advertising and Content Relevance.
IMPACT OF DIGITAL MARKETING ON GENERATION Z CONSUMER BEHAVIOR IN UZBEKISTAN Askarovich, Jaxongir Davronov; Hendrayati, Heny; Qudratov, Inomjon
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.v5i1.273

Abstract

This study examines how digital marketing affects the consumer behavior and buying decisions of Generation Z in Uzbekistan. Using a Systematic Literature Review based on the PRISMA 2020 guidelines, peer-reviewed articles published from 2015 to 2024 were collected from Scopus, Web of Science, ScienceDirect, and Google Scholar. The review focuses on digital marketing, social media marketing, influencer marketing, and related behavioral responses among young consumers. The results show that visual and interactive online content has the strongest influence on Generation Z in Uzbekistan. Platforms like Instagram , TikTok, YouTube , and Telegram work best with short videos , content made by users , and recommendations from influencers . Young people are more likely to buy something from a brand if they trust it and believe it is real. People use social media a lot, but direct ads don't work as well as recommendations from friends and electronic word-of-mouth . Overall, digital marketing has a strong impact on the behavior of Generation Z consumers in Uzbekistan, and strategies focused on authenticity, cultural relevance, and meaningful engagement are more effective than intrusive advertising.
THE IMPACT OF ONLINE CUSTOMER REVIEWS ON BRAND REPUTATION Saidmunirxon, Axrorov; Furqon, Chairul; Hendrayati, Heny; Qudratov, Inomjon
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.v5i1.276

Abstract

This article investigates the influence of online customer reviews on brand reputation within digital marketplaces. The study employs a Systematic Literature Review informed by PRISMA 2020, synthesising peer-reviewed publications from 2015 to 2025, indexed in Scopus, Web of Science, ScienceDirect, and Google Scholar. The review shows that review valence, review volume, credibility, authenticity, helpfulness, reviewer expertise, managerial responses, and platform governance have the biggest and most consistent effects on brand reputation. Positive, detailed, and trustworthy reviews boost perceived quality, trust, and legitimacy. On the other hand, negative, suspicious, or inconsistent reviews can quickly hurt a brand's reputation. The results also show that quick and responsible responses from managers can protect a company's reputation, while suspicions of fake reviews and poor platform moderation can hurt both review trust and brand trust. In general, online reviews are no longer just a side note; they are now a key part of a company's reputation that they need to manage carefully.
FINANCIAL INCLUSION AND THE ROLE OF BANKS IN EXPANDING ACCESS TO FINANCIAL SERVICES Hakimboy, Rojabov; Gautama, Budhi Pamungkas; Hendrayati, Heny; Qudratov, Inomjon
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.v5i1.278

Abstract

Financial inclusion has become a central development priority because it links household welfare, enterprise growth, resilience, digital transformation, and long-term social inclusion. This article examines financial inclusion through the specific lens of the banking sector and analyses how banks expand access to payments, savings, credit, insurance, and digital financial services for underserved populations. Using a structured literature review, the paper synthesises scholarship on financial access, bank outreach, branch expansion, agent banking, mobile banking, digital onboarding, consumer protection, and small business finance, with particular attention to Uzbekistan. The review shows that banks remain pivotal institutions because they combine deposit mobilisation, risk management, regulatory accountability, payment infrastructure, and the ability to intermediate funds at scale. At the same time, access alone is not sufficient. Sustainable inclusion depends on affordability, service quality, trust, financial capability, gender-sensitive product design, last-mile delivery channels, and user protection. The article concludes that banks are most effective when they move beyond traditional branch-centred models and integrate digital channels, simplified products, data-informed credit assessment, partnerships with non-bank providers, and targeted strategies for women, youth, rural households, migrants, and MSMEs. For Uzbekistan, the next stage of financial inclusion will depend on stronger digital payments usage, broader savings mobilisation, reduced exclusion in MSME finance, and more relevant formal financial services in everyday economic life.
STABLECOINS, CENTRAL BANK DIGITAL CURRENCIES, AND THE FUTURE OF THE MONETARY SYSTEM Marjona, Kurbanbayeva; Nurhayati, Netti; Hendrayati, Heny; Qudratov, Inomjon
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

Abstract

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 Sarvarbek, Shomurodov; Gautama, Budhi Pamungkas; Hendrayati, Heny; Qudratov, Inomjon
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

Abstract

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 .
Halal Entrepreneurship Intention among Muslim Students: The Mediating Role of Attitude, Risk-Taking Propensity, and Self-Efficacy Iskandar, Iskandar; Rahmat, Pupu Saeful; Mulyati, Sri; Juliana, Juliana; Miftahuddin, Asep; Sojanah, Janah; Ismail, Shafinar; Qudratov, Inomjon
Indonesian Journal of Halal Research Vol. 8 No. 1 (2026): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v8i1.51983

Abstract

Promoting halal businesses become urgent, as the global halal economy is projected to exceed USD 5 trillion by 2030, and Indonesia is of key contributor. However, despite the high entrepreneurial intention among university students, their participation in halal business activities is comparatively low. This study aims to examine the influence of religiosity on halal entrepreneurial intention in Indonesian Muslim students. Entrepreneurial attitudes, risk-taking propensity, and self-efficacy are considered as mediating variables between religiosity and halal entrepreneurial intention. Data were collected from 378 Muslim students at 47 private universities in West Java and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The structural model explained the variance in halal-based entrepreneurial intentions, with an R-squared of 0.654, indicating that religiosity and the mediator variables together explain approximately 65.4% of the variance in entrepreneurial intentions. The direct path coefficient demonstrates that religiosity significantly affects entrepreneurial attitudes (β = 0.606, p = 0.000), risk-taking propensity (β = 0.591, p = 0.000), self-efficacy (β = 0.653, p = 0.000), and intention to engage in halal entrepreneurship (β = 0.293, p = 0.000). All three mediating paths are statistically significant, with self-efficacy and entrepreneurial attitudes showing the strongest indirect effects (β = 0.156 each), followed by risk-taking propensity (β = 0.091). These results show that self-efficacy is the most influential factor, suggesting that higher religiosity is associated with greater self-confidence, moral resilience, and motivation for running a business in accordance with sharia principles. These findings extend the Theory of Planned Behavior (TPB) into an Islamic context and have implications for universities and policymakers in designing halal entrepreneurship education.
Driving Maqāṣid al-Shari’ah Performance in Islamic Banks: The Roles of Islamic Social Reporting, Intellectual Capital, and Sharia Governance Nasim, Arim; Asbaruna, Elfina Qorina Binti; Juliana, Juliana; Purnomo, Budi Supriatono; Marlina, Ropi; Sholahudin, Muhamad Afif; Rusydiana, Aam Slamet; Qudratov, Inomjon
Al-Muamalat Vol. 13 No. 1 (2026): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v13i1.54396

Abstract

This study aimed to examine the influence of Islamic Social Reporting (ISR) and Islamic Intellectual Capital (IIC) on the Maqasid Shariah Index (MSI) in Islamic banks, with Islamic Corporate Governance (ICG) acting as a moderating variable. A quantitative method was used to analyze secondary data from 19 Islamic commercial banks operating in Indonesia, Malaysia, and Saudi Arabia during the 2023–2024 period. ISR was measured through content analysis based on 39 disclosure indicators, while IIC was assessed using the iB-VAIC method. Furthermore, ICG was proxied by the frequency of meetings of the Board of Commissioners and Directors. The data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results show that ISR and IIC had a positive and significant effect on MSI, suggesting that ethical social disclosure and effective management of intellectual capital supported the achievement of maqasid shariah objectives in Islamic banking. ICG also showed strengthening roles by enhancing the relationships between ISR, IIC, and MSI. These results reflected the importance of integrating social responsibility, intellectual capital, and shariah-compliant governance to improve maqasid-based performance. In this study, important contributions were made to the body of knowledge by providing cross-country empirical evidence and offering a comprehensive framework for understanding maqasid-oriented performance in Islamic banking.
THE RELATIONSHIP BETWEEN CORPORATE GOVERNANCE AND FINANCIAL PERFORMANCE Kamola , Yusufova; Sari, Maya; Qudratov, Inomjon
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.v5i1.285

Abstract

In corporate management, corporate governance is a framework that integrates accountability and control Long-term competitiveness and better financial performance are directly impacted by this system. The purpose of this literature study is to determine how important corporate governance mechanisms such as board composition, ownership concentration, CEO tenure, audit committees, internal control, and information disclosure transparency affect financial performance. The consequences of governance change for businesses and decision-makers in emerging nations like Uzbekistan are also examined in this research. The sources used in this study's structured thematic evaluation were chosen based on their applicability to agency theory, governance systems, and developing market financial performance. The evolution of the financial sector, state ownership structure, and governance circumstances are contextualised by integrating World Bank reports on Uzbekistan with scholarly literature.This analysis demonstrates how effective company governance enhances financial performance by lowering agency costs, increasing capital availability, enhancing the calibre of strategic choices, and boosting investor trust. But this impact is also influenced by the institutional setting. Concentrated ownership can improve monitoring but also increase the risk of conflicts of interest, therefore having an independent board of directors is not always beneficial. Moreover, disclosure regulations work best when they are backed by reliable enforcement. Crucially, when governance measures operate as an integrated system rather than a compliance checklist, the best financial performance is attained. These conclusions apply to businesses and officials seeking governance reform in developing nations, such as Uzbekistan, where investor protection is inadequate, state ownership is still predominant, and disclosure procedures are applied unevenly.
The Effect of Artificial Intelligence Intensity on Audit Quality: Evidence from Accounting Interns in Indonesia Nurbek, Alyarov; Widyaningsih, Aristanti; Solikin, Ikin; Qudratov, Inomjon
MARAS : Jurnal Penelitian Multidisiplin Vol. 4 No. 2 (2026): MARAS : Jurnal Penelitian Multidisiplin, Juni 2026
Publisher : Lumbung Pare Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60126/maras.v4i2.1561

Abstract

This study examines the effect of artificial intelligence (AI) intensity on audit quality among accounting interns at registered public accounting firms (KAP) in Indonesia. The accelerating deployment of AI technologies — including machine learning, robotic process automation (RPA), data analytics platforms, and anomaly-detection algorithms — has fundamentally restructured audit practice; yet the individual-level implications for early-career auditors operating within AI-augmented environments remain empirically underexplored. Anchored in the Technology Acceptance Model (TAM) and Agency Theory, this study adopts a quantitative, cross-sectional design, collecting primary data from 31 purposively sampled accounting interns through a validated five-point Likert-scale questionnaire. Data were analysed using simple ordinary least squares (OLS) regression in SPSS. Descriptive statistics reveal a moderate level of AI intensity (M = 3.23, SD = 0.71) and a moderately high level of perceived audit quality (M = 3.65, SD = 0.69) within the sample. The OLS regression model is statistically significant (F = 9.636, p = 0.004, R² = 0.249), and the AI intensity coefficient is positive and significant (B = 0.485, β = 0.499, t = 3.104, p = 0.004), indicating that each unit increase in AI intensity is associated with a 0.485-unit improvement in perceived audit quality. These results confirm H1 and provide micro-level quantitative evidence that higher AI integration enhances audit outcomes among interns. Concurrently, the study highlights the latent risk of overreliance: uncritical acceptance of AI-generated outputs may erode professional scepticism — a competency that remains irreplaceable in high-stakes financial reporting verification.