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Journal of Enterprise and Development (JED)
Published by Universitas Islam Negeri Mataram
ISSN : 27153118     EISSN : 26858258     DOI : https://doi.org/10.20414/jed
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Enterprise and Development (JED) (p-ISSN: 2715-3118/ e-ISSN: 2685-8258) is an international peer-reviewed journal that publishes high-quality research in economics, finance, management, entrepreneurship, and tourism, with a particular focus on enterprise development, innovation, public policy, and sustainable economic development. The journal promotes theoretically grounded, methodologically rigorous, and policy-relevant scholarship that contributes to academic debate and practical understanding of development issues in both emerging and developed economies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 16 Documents
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Search results for , issue "Vol. 8 No. 1 (2026)" : 16 Documents clear
Innovation and Access to Credit in Export-Oriented Indonesian MSMEs: The Mediating Roles of Competitive Advantage and Strategic Orientation Agustina, Agustina; Yuwono, Wisnu; Kesumahati, Erilia
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14398

Abstract

Purpose: This study examines the influence of innovation on access to credit among export-oriented micro, small, and medium enterprises (MSMEs) in Indonesia, with competitive advantage and strategic orientation modeled as mediating variables. It investigates how innovation may strengthen MSMEs’ credibility and competitiveness, thereby improving financial access in global markets.Method: The study adopts a quantitative design and applies Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from 440 MSME owners and managers located in Batam, Jakarta, and other areas of Java.Result: The findings indicate that innovation significantly strengthens both competitive advantage and strategic orientation. In turn, competitive advantage and strategic orientation each exert a positive effect on access to credit. The mediation results suggest that innovation indirectly enhances credit access through these strategic and competitive pathways, underscoring the central role of intermediary capabilities in translating innovation into improved financial accessibility.Practical Implications for Economic Growth and Development: The results suggest that promoting innovation-driven strategies among MSMEs can enhance financial inclusion while strengthening competitiveness in export markets. Policymakers and financial institutions may use these insights to refine credit appraisal frameworks and design development programs that recognize and support innovation-led growth, thereby contributing to Indonesia’s economic resilience and export performance.Originality/Value: This study contributes by clarifying the mechanism through which innovation improves access to credit. Whereas prior research has largely emphasized the direct effects of innovation on financial performance or financing access, this study extends the literature by incorporating strategic orientation and competitive advantage as mediators that explain how innovation strengthens MSMEs’ credit opportunities.
The Role of Logistics Service Quality Dimensions in Shaping Customer Satisfaction and Repurchase Intention in Indonesia's Cross-Border E-Commerce Hidayat, Kezia Angelina; Widjaja, Fitri Novika; Wicaksono, Adhika Putra
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14401

Abstract

Purpose: This study examines the influence of Logistics Service Quality (LSQ) on customer satisfaction and repurchase intention in cross-border e-commerce in Indonesia. LSQ is measured through seven dimensions—delivery service quality, delivery information service, return logistics service, delivery stability, availability, price fairness, and cross-border shopping experience—and investigates customer satisfaction as a mediating factor in repurchase intention.Method: This study employed a causal quantitative method using the Structural Equation Modeling-Partial Least Square (SEM-PLS) technique via SmartPLS 4. Data were collected from 250 Zalora consumers using purposive sampling and a 1-5 Likert scale questionnaire, which was tested for validity and reliability.Result: The results show that return logistics service, delivery stability, availability, and cross-border shopping experience significantly affect customer satisfaction, while price fairness, cross-border shopping experience, and customer satisfaction significantly influence repurchase intention. Conversely, delivery service quality, delivery information service, and price fairness had no significant effect on customer satisfaction, indicating that these dimensions are not key determinants in cross-border e-commerce.Practical Implications for Economic Growth and Development: These findings have strategic implications for Indonesia’s e-commerce and logistics sectors, highlighting the need to enhance LSQ to build customer trust and loyalty, thereby supporting digital economy growth and national logistics competitiveness.Originality/Value: This study integrates seven LSQ dimensions to examine their effects on customer satisfaction and repurchase intention in cross-border fashion e-commerce in Indonesia. It extends prior research by addressing the limited exploration of the availability aspect, providing broader insights into key logistical factors influencing consumer behavior.
Threat of New Entrants and Competitive Rivalry on Indonesian SMEs’ Performance: The Mediating Role of Market Access Hamdi, Faisal; Syah, Silvana; Sumampouw, Ruland Willy Jack
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14406

Abstract

Purpose: This study aims to examine both the direct and indirect effects of external competitive pressures—specifically the threat of new entrants and competitive rivalry—on the performance of Indonesian SMEs. Additionally, it investigates the mediating role of market access.Method: A quantitative approach was employed, utilizing secondary survey-based data from 1,871 Indonesian SMEs recorded in the national credit guarantee database of a state-owned guarantee institution. These SMEs represent diverse sectors and regions across Indonesia. Structural equation modeling (SEM) was used to examine both direct and indirect effects, with particular emphasis on the mediating role of market access.Result: The findings confirm that both the threat of new entrants and competitive rivalry have a significant positive impact on SME performance. Market access also demonstrates a significant positive effect on performance and mediates the relationship between external pressures and enhanced SME performance. This underscores market access as a strategic mechanism that transforms competitive challenges into opportunities for SMEs.Practical Implications for Economic Growth and Development: The results suggest that SMEs and policymakers should leverage external competitive pressures to enhance market access components, such as networks, logistics, and digital platforms. Targeted interventions aimed at reducing logistical barriers and improving digital infrastructure can empower SMEs to convert competition into sustainable growth, thus contributing to broader economic development.Originality/Value: This study extends Porter’s Five Forces framework to the context of Indonesian SMEs and confirms the pivotal role of market access as a mediator.
The Impact of Corporate Governance and Firm Characteristics on Financial Performance of Listed Firms in Ghana Ashun, Anthony; Alhassan, Sagoe Abass; Abubakar, Sani; Akoto, Evans Tetteh
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14492

Abstract

Purpose: This study investigates the impact of corporate governance mechanisms and firm-specific characteristics on financial performance among listed companies in Ghana.Method: The study employs panel data analysis of secondary data from 2013 to 2022 for firms listed on the Ghana Stock Exchange, utilizing key performance indicators (ROE, ROA, and GPM) and explanatory variables (board size, board independence, firm size, leverage, and firm age).Result: The findings indicate that board size has a significant positive relationship with both ROE and ROA, suggesting that larger boards enhance monitoring capacity and strategic oversight. However, board independence shows no significant effect on profitability, implying that the mere presence of independent directors may not lead to improved financial performance. Additionally, firm size and age are positively associated with profitability, emphasizing the importance of organizational maturity and scale in sustaining financial outcomes. Conversely, leverage negatively affects both ROA and GPM.Practical Implications for Economic Growth and Development: The study advocates for reforms that promote functional governance practices and cautions against the universal application of board composition norms. The findings have implications for policymakers, investors, and corporate boards aiming to optimize governance structures for financial resilience.Originality/Value: This study provides novel insights into the corporate governance-performance relationship in Ghana by utilizing advanced econometric techniques. It addresses a significant gap in the literature, particularly in the context of emerging markets, by analyzing a decade of firm-level data from Ghana's listed companies.
Moderating Role of Dividend Policy on the Nexus Between AIL, NPL, and Stock Returns in the Indonesian Financial Sector Kharimah, Wahyu Nisa’ul; Yuliati, Yuliati
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14520

Abstract

Purpose: This study examines the influence of Allowance for Impairment Losses (AIL), profitability, and Non-Performing Loans (NPL) on stock returns, with dividend policy serving as a moderating variable, in the Indonesian financial sector following the implementation of PSAK 71.Method: This quantitative research utilizes panel data regression, analyzing data from the financial sector firms listed on the Indonesia Stock Exchange for the period 2020–2024, resulting in 115 data points. Secondary data were obtained from annual reports and financial statements. Model selection, based on the Chow, Hausman, and LM tests, revealed that the fixed effects model was the most suitable. Moderated Regression Analysis (MRA) was applied to assess the moderating role of dividend policy.Result: The findings indicate that AIL significantly influences stock returns, suggesting that investors take credit risk provisioning under the expected credit loss model. In contrast, profitability and NPL do not have a significant effect on stock returns. Additionally, dividend policy moderates the relationship between AIL and stock returns, but does not affect the relationship between profitability or NPL and stock returns.Practical Implications for Economic Growth and Development: These results offer insights for managers, regulators, and investors, highlighting that transparent AIL reporting can enhance investor confidence, strengthen financial stability, and promote efficient capital allocation. Furthermore, a deeper understanding of credit risk contributes to the resilience of the financial sector, fostering sustainable economic growth.Originality/Value: This study contributes to the literature by incorporating dividend policy as a moderating variable within the PSAK 71 framework and providing broader evidence from the Indonesian financial sector.
Push-Pull-Mooring in Consumer Action: Cognitive, Social, and Emotional Factors in Boycotting Pro-Israel Products Qotrunnada, Lutfia Izdhihar; Auliya, Zakky Fahma
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14544

Abstract

Purpose: This study aims to analyze the drivers of brand switching behavior toward pro-Israel fast-moving consumer goods (FMCG) among Generation Z in Indonesia, employing the Push-Pull-Mooring (PPM) framework to examine the roles of cognitive, social, and emotional factors.Method: A quantitative research design was employed, utilizing an online questionnaire to collect data from 200 independent-living Generation Z respondents in the Solo Raya region, who had switched from affiliated to non-affiliated brands. The data were analyzed using multiple linear regression in SPSS version 26.Result: The findings indicate that Product Knowledge (push) and electronic Word-of-Mouth (e-WOM) (pull) are the primary drivers of consumer brand switching. Conversely, Brand Commitment (mooring) emerged as the primary inhibiting factor that significantly prevents consumers from switching to another brand.Practical Implications for Economic Growth and Development: The findings suggest a consumer-driven market realignment with direct implications for economic development. This shift offers substantial opportunities for local and non-boycotted brands to capture market share, thereby stimulating domestic industrial growth, enhancing product diversification, and fostering a more self-reliant national economy. Concurrently, it pressures multinational corporations to adopt more socially responsible and transparent business practices to maintain competitiveness.Originality/Value: This study provides novel insights by being among the first to apply the PPM framework within a politically and ethically charged boycott context in the FMCG sector, bridging the critical gap between switching intention and actual behavior while uniquely integrating the psychological mooring of brand commitment, the cognitive push of product knowledge, and the digital pull of e-WOM.
Disengagement in the Digital Era: Unpacking the Mediating Role of Technostress Between Job Insecurity, Digital Workload, Boreout, and Digital Presenteeism Damayanti, Nora; Ramadhi, Ramadhi; Andrefson, Edo
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14723

Abstract

Purpose: This study examines how digital workload and job insecurity affect employee disengagement—operationalized as boreout and digital presenteeism—by assessing technostress as a mediating mechanism in digital-intensive workplaces.Method: A quantitative, correlational survey design was employed. Data were collected from 421 employees across multiple industries using voluntary sampling. The proposed direct and indirect relationships among digital stressors, technostress, and disengagement outcomes were tested using Partial Least Squares Structural Equation Modeling (PLS-SEM).Result: Digital workload significantly increased technostress, whereas job insecurity emerged as a strong predictor of digital presenteeism. Technostress had a significant positive effect on boreout but did not significantly predict digital presenteeism. Mediation analysis showed that technostress did not mediate the relationship between digital workload and boreout; however, digital workload exerted an indirect effect on digital presenteeism via technostress.Practical Implications for Economic Growth and Development: By elucidating how digital stressors undermine employee engagement and productivity, this study provides evidence-based guidance for designing healthier digital work systems. Interventions aimed at reducing technostress, optimizing digital workload, and mitigating job insecurity may enhance workforce efficiency, strengthen organizational performance, and support broader economic growth in digitally transforming economies.Originality/Value: The study demonstrates that distinct digital stressors produce different forms of disengagement: digital workload is more strongly associated with boreout, whereas job insecurity is more closely linked to digital presenteeism, with technostress functioning as a selective mediating pathway.
Exploring the Factors Influencing User Attitudes and AI Chatbot Use in the Tourism Sector: Evidence from Indonesia Filrando, Ariendy; Fahlevi, Renza; Sinambela, Fitriana Aidnilla
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.14881

Abstract

Purpose: This study investigates the influence of perceived ease of use, perceived usefulness, perceived trust, anthropomorphism, and personalization on user attitudes, and how these attitudes affect the intention to use AI chatbots in the tourism sector.Method: A quantitative, descriptive-explanatory approach was employed through an online survey distributed to individuals who had prior experience using AI chatbots for travel purposes. A total of 278 valid responses were collected using purposive sampling. The research model was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS.Result: The findings indicate that perceived ease of use, perceived usefulness, perceived trust, anthropomorphism, and personalization all positively and significantly influence user attitudes toward AI chatbots. Furthermore, attitude was found to exert a strong and significant impact on the intention to use AI chatbots for tourism, confirming its role as a key mediating variable. Among the antecedents, personalization emerged as the most influential factor in shaping user attitudes.Practical Implications for Economic Growth and Development: This study offers valuable insights for AI developers and tourism stakeholders to design more user-centered, trustworthy, and personalized chatbot services. Enhancing the adoption of AI chatbots can improve the efficiency of tourism services, support digital transformation, increase tourist satisfaction, and contribute to sustainable economic growth in the tourism sector.Originality/Value: This study extends the Technology Acceptance Model (TAM) framework by incorporating perceived trust, personalization, and anthropomorphism in the context of AI chatbot adoption from the tourists' perspective in Indonesia.
Exploring QRIS Continuance Use Intention Among Generation Z: Integrating TAM and ECM with Trust and Perceived Risk as Moderators Puri, Friska Nur Areta; Utami, Datien Eriska
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.15005

Abstract

Purpose: This study aims to investigate the impact of perceived value and service quality on the continuance use intention of QRIS among Generation Z, with user satisfaction serving as a mediating variable, and trust and perceived risk as moderating variables.Method: A quantitative research approach was employed, utilizing a survey conducted with 240 Generation Z respondents in Solo Raya who have used QRIS in their daily transactions. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4 software.Result: The findings indicate that both perceived value and service quality positively influence user satisfaction. Additionally, perceived value and user satisfaction significantly affect continuance use intention. Although service quality does not have a direct effect, it indirectly influences continuance use intention through user satisfaction. Trust and perceived risk, however, do not moderate the relationship between user satisfaction and continuance use intention.Practical Implications for Economic Growth and Development: This study supports Indonesia's digital economy agenda by identifying strategies to sustain QRIS adoption among youth. By strengthening perceived value and service quality, QRIS can enhance financial inclusion, improve transaction efficiency, and foster the digital integration of MSMEs.Originality/Value: This study offers a unique contribution by integrating the Technology Acceptance Model (TAM) and the Expectation Confirmation Model (ECM) within the QRIS context. It also examines trust and perceived risk as moderators between user satisfaction and continuance use intention.
What Drives Retail Investors' Decisions in the Indonesian Market? Understanding the Role of Cognitive and Social Biases Adhytya, Aufaa Hasbul Qahhar; Rafik, Abdur
Journal of Enterprise and Development (JED) Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i1.15072

Abstract

Purpose: This study examines the effects of representativeness bias, availability bias, and herding behavior on retail investors' investment decisions in Indonesia. It also investigates whether internal locus of control moderates the relationship between behavioral biases and investment decisions.Method: A quantitative survey approach was employed using data from 302 active retail investors in the Indonesian capital market, selected through purposive sampling. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) technique.Result: The results indicate that representativeness bias, availability bias, and herding behavior have positive and significant effects on retail investors' investment decisions, suggesting that decisions are largely driven by heuristic judgments and social influence rather than purely rational evaluation. However, internal locus of control does not significantly moderate the relationships between behavioral biases and investment decisions, suggesting that individual psychological control does not automatically function as a debiasing mechanism in highly digitalized and socially influenced investment environments.Practical Implications for Economic Growth and Development: The results highlight the importance of behavioral-based financial education that emphasizes bias awareness to improve decision-making quality, promote more efficient capital allocation, and enhance capital market stability.Originality/Value: This study contributes to behavioral finance literature by integrating cognitive and social biases with internal locus of control as a moderator in an emerging market context.

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