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This Author published in this journals
All Journal International Journal of Management, Accounting & Finance International Journal of Business, Marketing, Economics & Leadership International Journal of Business Law, Business Ethic, Business Communication & Green Economics (IJBGE)
Novrizal
STIE Kasih Bangsa
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Bridging Financial Gaps: A Qualitative Literature Review on Government Loan Programs and Small Business Growth under Credit Constraints Benardi Benardi; Novrizal
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 3 No. 1 (2026): February: International Journal of Business, Marketing, Economics & Leadership
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v3i1.406

Abstract

This qualitative literature review examines the role of government loan programs in addressing credit constraints that hinder small business growth. Synthesizing recent empirical studies from Japan, the United States, and the European Union, the review finds that well-targeted public lending initiatives facilitate capital investment, employment expansion, and long-term productivity among financially constrained firms. The evidence highlights that government credit often complements rather than substitutes private lending and serves as a structural mechanism to reduce financial frictions. Program effectiveness is found to depend heavily on institutional design, eligibility targeting, and administrative capacity. The findings underscore the strategic value of sustained public intervention in SME finance, not only during crises but also for long-term economic resilience and inclusive growth
Resilience in Small Family Businesses during Systemic Shocks: A Literature Review on the Mediating Role of Adaptive Capacity Novrizal; Mia Christy Patricia
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 3 No. 1 (2026): February: International Journal of Business, Marketing, Economics & Leadership
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v3i1.409

Abstract

This qualitative literature review explores how adaptive capacity mediates resilience in small family businesses (SFBs) during systemic shocks. Drawing from recent empirical studies, the review identifies adaptive capacity as a dynamic capability that enables SFBs to respond effectively to crises through flexible leadership, innovation, generational collaboration, and social capital. Unlike non-family firms, SFBs exhibit unique strengths and constraints rooted in socioemotional wealth, long-term orientation, and intergenerational ties. The findings highlight that adaptive capacity functions as a crucial intermediary between environmental disruption and business continuity. Contextual factors such as industry, firm size, and institutional support further influence resilience outcomes. This study contributes to the theoretical understanding of resilience by positioning adaptive capacity as a central mechanism in navigating systemic shocks.
Unpacking Micro-Level Leadership Behaviours in Digital Transformation: A Qualitative Systematic Review of Behavioural Antecedents to Organisational Performance Novrizal; Cahyatih Kumandang
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 3 No. 2 (2026): May: International Journal of Business, Marketing, Economics & Leadership (IJBM
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v3i2.460

Abstract

Digital transformation has intensified scholarly interest in leadership; however, existing research predominantly emphasises leadership styles and strategic orientations, leaving the role of micro-level leadership behaviours underexplored. This qualitative systematic literature review synthesises prior studies to examine how everyday leadership behaviours function as behavioural antecedents of organisational performance in digital transformation contexts. Drawing on a structured review of interdisciplinary literature, the study identifies cognitive, relational, and adaptive leadership behaviours as central mechanisms through which digital initiatives are translated into performance outcomes. The findings reveal that micro-level behaviours—such as sensemaking, empowering communication, psychological safety cultivation, and behavioural flexibility—indirectly shape organisational performance by fostering digital capabilities, innovative work behaviour, and employee resilience. By shifting the analytical focus from abstract leadership constructs to observable behavioural micro-foundations, this review contributes to digital leadership and organisational performance literature and offers integrative insights for future empirical research and managerial practice
Strategic Earnings Targeting and Market Discipline in Public Banking: A Qualitative Synthesis of Consumer Pricing and Franchise Value Dynamics Novrizal; Seger Santoso
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 2 No. 4 (2025): Desember: International Journal of Business Law, Business Ethic, Business Commu
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v2i4.412

Abstract

This qualitative literature review explores how strategic earnings targeting in public banking interacts with market discipline, consumer pricing, and franchise value dynamics. By synthesizing findings from recent empirical studies, the paper reveals that earnings management in banks—whether through accrual-based or real activities—is often employed to meet regulatory thresholds and investor expectations, thereby preserving reputational capital and long-term market access. Market discipline both constrains and motivates such behavior, as depositors and investors closely monitor performance signals. The review also highlights how banks strategically set pricing for loans and deposits to align with earnings targets while protecting franchise value amid rising competition and regulatory oversight. Ultimately, the synthesis underscores the complex trade-offs between transparency, performance signaling, and sustainable value creation in the public banking sector
Sensing the Future: A Qualitative Synthesis of How Employees’ Technological Sensing Capabilities Shape GenAI Capabilities and Innovative Work Behavior Mia Christy Patricia; Novrizal
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 2 No. 4 (2025): Desember: International Journal of Business Law, Business Ethic, Business Commu
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v2i4.417

Abstract

This qualitative literature review synthesizes interdisciplinary research on how employees’ technological sensing capabilities shape generative artificial intelligence (GenAI) capabilities and innovative work behavior. Drawing on dynamic capabilities theory, microfoundations of sensing, and human–AI interaction literature, the review integrates findings from management, information systems, and innovation studies. The synthesis reveals that technological sensing—employees’ ability to identify, interpret, and anticipate emerging technologies—does not directly translate into innovation, but operates through the development of distinct GenAI capabilities. In particular, GenAI evaluation capability consistently emerges as a stronger driver of innovative work behavior than GenAI usage capability alone, as it enables critical judgment, contextualization, and creative recombination of AI-generated outputs. The review further highlights contextual moderators such as leadership support, task complexity, and organizational climate. Overall, the study advances theory by positioning individual sensing as a microfoundation of AI-enabled innovation and offers implications for organizations seeking to leverage GenAI beyond efficiency gains.
Transformational Leadership in the Digital Business Environment: A Systematic Literature Review of Innovation Capability, Management Accounting Systems, and Sustainable Firm Performance Novrizal; Benardi
International Journal of Management, Accounting & Finance (KBIJMAF) Vol. 3 No. 3 (2026): July: International Journal of Management, Accounting & Finance (KBIJMAF)
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/kbijmaf.v3i3.473

Abstract

The rapid advancement of digital technologies has fundamentally transformed organizational leadership, innovation, and strategic management practices. This study conducts a qualitative Systematic Literature Review (SLR) to synthesize existing evidence on the relationships among transformational leadership, innovation capability, management accounting systems (MAS), and sustainable firm performance in the digital business environment. Following the PRISMA 2020 guidelines, peer reviewed articles published in internationally recognized journals were systematically identified, screened, and synthesized. The review reveals that transformational leadership contributes to sustainable firm performance primarily through strengthening innovation capability and promoting the strategic use of management accounting systems rather than through direct effects. Innovation capability enhances organizational adaptability, knowledge sharing, and value creation, while advanced MAS supports strategic decision making and organizational control. The findings further indicate that integrating transformational leadership, digital transformation, innovation capability, and strategic management accounting enables organizations to achieve long-term competitiveness and sustainability. This review provides theoretical insights and practical implications for future leadership and digital business research.
Co-Authors Benardi Benardi Cahyatih Kumandang Mia Christy Patricia Seger Santoso