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p-Index From 2021 - 2026
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All Journal SEIKO : Journal of Management & Business Eduvest - Journal of Universal Studies
Sahat Hutajulu
Institut Teknologi Bandung
Aerospace Engineering Computer Science & IT Health Professions Neuroscience Social Sciences

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Barriers To E-Commerce Advertising Adoption: A Qualitative Study of Sellers on an Indonesian Marketplace Ratri Ayu Salmadewi; Sahat Hutajulu
Eduvest - Journal of Universal Studies Vol. 5 No. 10 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i10.51286

Abstract

Despite digital advertising becoming more important in providing business advantage, many sellers in Indonesia remain hesitant to adopt e-commerce advertising tools. This study investigates the main barriers that prevent sellers from using advertising features on a major Indonesian marketplace. A qualitative approach was applied through semi-structured interviews with ten sellers, including current users, former users, and non-users. This study offers a novel contribution by exploring seller resistance from an experience-based perspective, which has not been widely explored in existing adoption research. The study uses a framework analysis method to identify eight main barriers including performance expectancy, effort expectancy, social influence, facilitating conditions, price value, habit, personal innovativeness, and digital advertising literacy. While most sellers found the platform easy to use, concerns about performance outcomes, cost justification, and lack of advanced knowledge limited adoption. Social factors and marketing preferences also influenced seller decisions. To strengthen the findings, this study uses a triangulation method by comparing the qualitative results with a previous quantitative study. This approach provides a clearer view of seller adoption behavior by confirming key factors and highlighting both aligned and differing insights. These findings provide a clearer understanding of why some sellers resist using e-commerce advertising and emphasize the need to address barriers and concerns to encourage wider tools adoption.
Strategic Foresight: Scenario Planning For Sharia Joint Financing Joice Fiskia Yusriani; Sahat Hutajulu
SEIKO : Journal of Management & Business Vol 9, No 1
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v9i1.10917

Abstract

Islamic financial institutions are required to face significant uncertainties in the process of establishing new Shariah-compliant businesses, particularly permissive contract structures and operating re-tooling requirements. In this environment, this study endeavors to bridge the current gap by developing a structured scenario planning method to aid strategic foresight related to launching a new product through an Islamic feature- Sharia joint financing facility at an Indonesian Islamic bank. This approach utilizes a qualitative interpretation format through stakeholder interviews and STEEP analysis to determine how driving forces are identified and prioritized. The findings underscore two critical uncertainties that most affect business outcomes in the future, namely the readiness and stability of the IT ecosystem and achievement of key business and financial metrics. These critical uncertainties construct four viable scenarios, for which the Strategy Diamond Framework is proposed as a facility describing strong strategic options. This study contributes a systematized approach to transform the notion of strategic foresight into concrete and operational roadmap in response to innovation challenges arisen from Islamic finance.
Linking Technology Acceptance (TAM3) and Institutional Readiness (TOE) in Digital Public Fund Disbursement: Evidence from Indonesia’s Makan Bergizi Gratis (MBG) Program Arliani Ivandhari; Sahat Hutajulu
SEIKO : Journal of Management & Business Vol 9, No 1
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v9i1.11021

Abstract

Makan Bergizi Gratis (MBG) is an Indonesian government program to reduce stunting rates and strengthen nutritional quality. Badan Gizi Nasional (BGN) implemented technology adoption in the form of a Bank Rakyat Indonesia’s (BRI) Virtual Account (VA) to save time and increase transparency in fund distribution. The purpose of this study is to quantify, identify factors, and assess the contribution of the VA dashboard. This study introduces the TAM-TOE model approach as a theoretical model in the study of technology adoption. The Technology Acceptance Model (TAM3) focuses on a survey of perceived usefulness, ease of use, and behavioral intentions of SPGG officers and is analyzed using the SEM-PLS method. The Technology–Organization–Environment (TOE) study focused on technology adoption through interviews with BGN officials and analyzed using descriptive methods. The results showed that Virtual Accounts were proven to increase disbursement speed, reduce reconciliation errors, and strengthen audit accountability. SPPG officers reported increased confidence in managing daily transactions, in line with survey results showing positive perceptions regarding the benefits and ease of using VA. This is consistent with the SEM-PLS results showing that Behavioral Intention is significantly influenced by Perceived Usefulness (P-value = 0.000) and Perceived Ease to Use (P-value = 0.032). From an institutional perspective, BGN emphasized that the dashboard strengthens financial oversight and enhances accountability.
Co-Authors Arliani Ivandhari Joice Fiskia Yusriani Ratri Ayu Salmadewi