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INDONESIA
Enrichment : Journal of Management
Published by Institute of Computer Science
ISSN : 20876327     EISSN : 27217787     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The Enrichment : Journal of Management offers wide ranging and widespread analysis of all surfaces of management and science. Published two times per year, it delivers a emphasis for universal proficiency in the vital methods, techniques and areas of research; presents a opportunity for its readers to share mutual understandings across the full range of businesses and skills in which management and science is used; covers all areas of management science from systems to practical facets; links concept with training by publishing case studies and covering the latest important issues.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Strategi dan Menejemen
Articles 1,382 Documents
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The influence of service quality on customer loyalty mediated by customer satisfaction (Study at PT WOM Finance Medan Branch 1) Wahyudin, Arif; Saparso, Saparso
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2368

Abstract

This research examines the influence of service quality and customer satisfaction on customer loyalty at PT. WOM Finance Medan 1, with customer satisfaction positioned as a mediating variable. The study is motivated by the company’s ongoing challenge to maintain customer retention amidst increasingly competitive conditions in the financing industry. Employing a quantitative research design, data were collected through a survey of 85 respondents and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach via SmartPLS version 4. The results reveal that: (1) service quality has a significant positive effect on customer loyalty (t-statistic = 2.780, p-value = 0.005); (2) customer satisfaction significantly influences customer loyalty (t-statistic = 4.757, p-value = 0.000); (3) service quality exerts a significant positive impact on customer satisfaction (t-statistic = 15.443, p-value = 0.000); and (4) service quality, when mediated by customer satisfaction, does not significantly affect customer loyalty (t-statistic = 1.702, p-value = 0.089). These findings underscore the critical role of consistently enhancing service quality as a strategic driver of customer satisfaction and loyalty. The study offers practical insights for PT. WOM Finance and similar financial institutions in developing effective service improvement strategies to strengthen long-term customer relationships and competitive advantage. For PT. WOM Finance Tangerang Branch, the results of this study indicate the need to focus on improving aspects of service quality that directly affect customer loyalty. Based on the research results, PT. WOM Finance Tangerang Branch needs to prioritize improving service quality because it has been proven to have a significant influence on customer loyalty, both directly and through customer satisfaction. Improving service quality can be done by providing consistent, friendly, and responsive service to build long-term relationships with customers.
The influence of the credit agreement process and service quality on customer retention moderated by customer satisfaction at PT. WOM Finance, Tangerang Regional Banten branch Fathurrozi, Fathurrozi; Haryono, Budi
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2369

Abstract

This study investigates the influence of the credit contract process and service quality on customer retention, with customer satisfaction serving as a moderating variable, in the context of PT WOM Finance, Tangerang Branch. The problem of low customer retention is presumed to stem from procedural non-compliance in credit contracts and inadequacies in service quality. Employing a quantitative approach, the study utilizes Structural Equation Modeling–Partial Least Squares (SEM-PLS) with data collected from 85 respondents. The findings reveal that both the credit contract process and service quality exert a significant effect on customer retention. Notably, customer satisfaction does not moderate the relationship between the credit contract process and customer retention; however, it significantly moderates the relationship between service quality and customer retention. These results underscore the critical role of enhancing procedural rigor in credit agreements and optimizing service delivery to foster customer loyalty. The implications of this study provide valuable insights for PT WOM Finance and other financial institutions in formulating strategies aimed at improving contract management and service quality to strengthen customer satisfaction and long-term retention in an increasingly competitive financial services industry
The influence of digital promotion and brand image on customer purchasing interest mediated by consumer satisfaction (case study of Mobilku WOM Finance product, Lubuk Linggau Branch) purnando, Hengki; Saparso, Saparso
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2370

Abstract

This study aims to analyze the effect of digital promotion and brand image on customer purchase intention, with consumer satisfaction as a mediating variable, in the context of the Mobilku product at PT WOM Finance Lubuk Linggau Branch. The background of this research is based on the increasingly intense competition in the financing industry, where digital promotion strategies and brand image strengthening are crucial factors in attracting consumer attention. However, sales achievements at the research branch showed fluctuations, indicating that marketing strategies were not yet optimal; therefore, consumer satisfaction needs to be considered as a mediating factor between promotion, brand image, and purchase intention. This research employs a quantitative method with a survey approach. The study population consisted of 547 active customers of WOM Finance Lubuk Linggau Branch, from which a sample of 230 respondents was determined using Slovin’s formula and selected through simple random sampling. Data were collected using a Likert-scale questionnaire, and analyzed with Partial Least Square–Structural Equation Modeling (PLS-SEM) using SmartPLS software. The findings reveal that digital promotion has a positive effect on consumer satisfaction but does not have a direct significant effect on purchase intention. Brand image has a positive effect on both consumer satisfaction and purchase intention. Consumer satisfaction significantly affects purchase intention and mediates the relationship between digital promotion and brand image toward customer purchase intention.
Educators’ attitudes toward artificial intelligence in higher education: a systematic review of influencing factors and hr implications Yulianto, Yulianto; Junaidi, Junaidi; Saryono, Udin
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2372

Abstract

This systematic review examines educators' attitudes toward AI in higher education, analyzing adoption drivers, ethical concerns, and institutional support. Using PRISMA guidelines, we analyzed 26 studies (2018-2024) from Scopus and Google Scholar, categorizing findings into cognitive (knowledge), affective (ethical worries), and contextual (support) dimensions. Results show educators' AI acceptance depends on their technical understanding, ethical considerations, and institutional backing. While AI boosts productivity through automation, concerns about dehumanization and bias create resistance, with adoption varying by digital literacy and regional policies. We propose a model positioning educators as key stakeholders in AI integration. Practical recommendations include hands-on training, ethical guidelines, and inclusive decision-making to balance technological progress with human needs for sustainable implementation. The study highlights the need to address both technical and human factors in AI adoption.
Financial literacy and green finance: catalysts for green economic recovery in smes Kesuma, Muhammad Ramadhani; Irianto, Ellen D. Oktanti; Widaryo, Chandika Mahendra; Henrika, Margareth; Ariswati, Lusiana Desy; Aini, Rohana Nur
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2377

Abstract

This study examined the interplay of financial literacy and access to green finance in driving green economic recovery among small and medium enterprises in East Kalimantan, Indonesia, where resource dependence exacerbates environmental vulnerabilities. The core problem addressed was the sluggish adoption of sustainable business practices by these enterprises, hampered by insufficient financial acumen and constrained funding for eco-friendly initiatives. A quantitative survey approach was employed, gathering data from 150 enterprises across agriculture, trade, and services sectors through structured questionnaires. Partial least squares structural equation modeling analyzed the relationships, revealing that financial literacy exerted a strong positive effect on green practice adoption, while green finance access provided both direct and mediated support. Adoption of green practices fully mediated financial literacy's impact on recovery and partially mediated green finance's influence, collectively accounting for over half of the variance in economic and environmental outcomes. These findings underscored the synergistic potential of education and funding in bolstering resilience. Policymakers should prioritize integrated training and streamlined financing to accelerate sustainable transitions, fostering long-term viability in similar contexts.
The effect of flexing influencer and customer attitude on social media on cryptocurrency investment decisions (study on gen z in north Jakarta) Sephiani, Regina; Astuti, Widi
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2379

Abstract

This study is driven by the growing impact of flexing influencer content on social media toward Generation Z perspectives and investment decisions, especially in the high-risk cryptocurrency sector. The research examines whether flexing influencers and customer attitudes, either individually or jointly, affect cryptocurrency investment decisions. Using a quantitative explanatory approach, data were collected from 385 Generation Z respondents in North Jakarta through simple random sampling and analyzed with PLS-SEM. Findings show that both variables significantly influence investment decisions, partially and simultaneously. However, with an R-Square value of 0.124, they explain only 12.4% of the variance, indicating the presence of other dominant factors beyond this model.
Toxicity, overload, and anxiety: predictors of turnover intention in higher education faculty Pariyanti, Eka; Puspitasari, Maya
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2380

Abstract

Toxic workplace environments, excessive role demands, and financial anxiety are growing challenges in higher education, undermining lecturers’ well-being and increasing turnover intention. These issues are particularly evident in private institutions, where limited resources and job insecurity often intensify stressors. This study examines the influence of toxic workplace environment and work-role overload on turnover intention among lecturers in private higher education institutions in Lampung, with financial anxiety tested as a moderating variable. A total of 120 questionnaires were distributed through online and offline approaches, and after data cleaning, 102 valid responses were analysed. Data were processed using SPSS 26, with descriptive statistics, reliability testing, and correlation analysis conducted as preliminary steps. All constructs demonstrated strong internal consistency, with Cronbach’s alpha values above 0.70. Results from Moderated Regression Analysis (MRA) revealed that toxic workplace environment (β = 0.34, p < 0.01) and work-role overload (β = 0.41, p < 0.001) had significant positive effects on turnover intention. Moreover, financial anxiety significantly moderated the relationship between toxic workplace environment and turnover intention (β = 0.28, p < 0.05). These findings underscore the importance of addressing workplace stressors and financial concerns to reduce turnover intention and support healthier, more sustainable academic environments
Financial performance assessment using the DuPont analysis Puspitaningtyas, Zarah
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2383

Abstract

This study aims to assess financial performance using DuPont analysis on technology sector companies listed on the Indonesia Stock Exchange with the three largest market capitalizations and positive net income in 2024. DuPont analysis is a method to evaluate company performance that serves to enhance a fundamental indicator, namely return on equity. Return on equity is used to measure the profit generated from the shareholders' perspective. The analysis is conducted using a quantitative descriptive design. The study results show that although DCII excels in the assessment of net profit margin and equity multiplier, the return on equity formed from the assessment of the three components: net profit margin, assets turnover, and equity multiplier indicates that MLPT outperforms DCII. This result indicates that MLPT is seen as more capable of providing potential investment opportunities than DCII for its investors
Strategy for strengthening infrastructure and transportation facilities to support tourism development in Southeast Sulawesi Province Hasanuddin, Siti Namira; Ichwan Sjachraw, La Ode Muhammad; Abu Yasid, Satriyawan; Satyadharma, Maudhy; Hado, Hado
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2384

Abstract

The aims of the research is to identify the obstacles were faced in encouraging tourism development in Southeast Sulawesi Province and finds Strategy in Strengthening Infrastructure and Transportation Facilities to Support Tourism in Southeast Sulawesi Province. The method used in this research is exploratory descriptive, utilizing primary and secondary data as sources of information. Based on the research results, it can be concluded that several obstacles were faced in encouraging tourism development in Southeast Sulawesi Province include damaged roads and limited connectivity, inadequate sea transportation and local ports, the unoptimized role of airports in several districts/cities in Southeast Sulawesi Province to support tourism development, limited transportation modes for many existing tourist destinations, and limited supporting tourism infrastructure in several tourist destinations in Southeast Sulawesi Province
Affiliate marketing, live streaming, and impulsive buying: evidence from generation Z TikTok consumers Prasetyo, Johan Hendri; Ariawan, Joko; Wiharso, Gani; Basudani, Wahid Akbar
Enrichment : Journal of Management Vol. 15 No. 4 (2025): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v15i4.2395

Abstract

In the rapidly expanding digital economy, businesses increasingly rely on online promotional tools to attract and retain customers. This study investigated the effect of affiliate marketing on consumer purchase decisions. Grounded in consumer behavior and digital marketing theories, the research aimed to understand how affiliate marketing strategies influence purchasing behavior in online environments. A quantitative approach was employed using a structured questionnaire distributed to online shoppers who had interacted with affiliate marketing content. Data were analyzed using multiple regression analysis to examine the relationship between affiliate marketing and purchase decision variables. The findings revealed that affiliate marketing had a significant and positive influence on consumer purchase decisions. The results indicated that effective affiliate strategies, such as personalized recommendations and transparent product reviews, increased consumer trust and purchase intention. Theoretically, the study contributed to the development of digital marketing literature by confirming the role of affiliate strategies in shaping online consumer decision-making. Practically, the results provided insights for marketers to design more credible and targeted affiliate campaigns that enhance consumer engagement and conversion rates. It was concluded that affiliate marketing served as an important promotional tool that shaped consumer decision-making patterns in the digital marketplace. Future studies were suggested to explore the role of influencer credibility and technological innovation in strengthening the impact of affiliate marketing.

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