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

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 1 
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.
Development of an AI-Based Prototype for Integrating Design and Cost Estimation in the Early Stages of Residential Construction: A Design Thinking Approach and Adoption Validation Rinaldy Bonarahma; Sahat Hutajulu
Journal Research of Social Science, Economics, and Management Vol. 6 No. 1 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v6i1.1634

Abstract

Small and medium-sized construction businesses are increasingly required to provide faster, clearer, and integrated early-stage services for residential clients. However, many SME contractors still manage design briefing, preliminary cost estimation, and proposal preparation through sequential handovers, informal knowledge, and manual coordination. This article examines how artificial intelligence (AI)-based design-to-cost prototypes can support early-stage decision-making in SME residential construction. The research used an applied design research approach with Design Thinking for the development of prototypes and UTAUT3 models adapted for adoption validation. Qualitative data is collected through a focus group discussion with homeowners and the internal functions of the construction, then translated into problem formulations, How Might We question, and prototype needs. The resulting prototype integrates guided briefing, AI-based layout creation, historical cost estimates per square meter, and a design-cost compromise dashboard. The survey of 105 respondents was analyzed using PLS-SEM. The model explains a 67.8% variation in adoption intent. Social Influence and Personal Innovation significantly affect Adoption Intentions, while Performance Expectations, Business Expectations, and Enabling Conditions are insignificant. The findings show that the early adoption of AI in SME residential construction depends not only on the perception of usability, but also on organizational support and individual openness to innovation.
Co-Authors Arliani Ivandhari Joice Fiskia Yusriani Ratri Ayu Salmadewi Rinaldy Bonarahma