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Journal of Management - Small and Medium Enterprises (SME's)
Published by Universitas Nusa Cendana
ISSN : 25022385     EISSN : 2723469X     DOI : https://doi.org/10.35508/jom.v14i1
Core Subject : Economy,
Economics, Econometrics & Finance
Tujuan dari jurnal ini adalah mempublikasikan artikel hasil penelitian dan kajian pustaka yang ditulis oleh dosen, peneliti dan mahasiwa. Adapun lingkup topik dari jurnal ini adalah : 1. Manajemen Umum 2. Manajemen Pemasaran 3. Sumberdaya Manusia 4. Keuangan 5. Manajemen Operasi 6. Manajemen Pariwisata 7. Small and Medium Enterprise (UKM) 8. Kewirausahaan 9. Kebijakan Publik yang menyangkut fungsi-fungsi manajemen 10. Topik lainnya yang berhubungan dengan ekonomi dan akuntansi
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 888 Documents
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Asset growth, operational efficiency, and firm value : The mediating role of profitability in Indonesian banking Samrotus Sa’adah Putri Auliatul Jannah; Mardiyani Mardiyani; Agustina Agustina
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.27747

Abstract

This study examines the influence of asset growth and operational efficiency on firm value, with profitability serving as a mediating variable among banking firms listed on the Indonesia Stock Exchange during the 2022–2024 period. In an increasingly competitive banking environment, improving financial performance has become essential for enhancing firm value and maintaining investor confidence. Employing a quantitative research design, the study utilized secondary data obtained from annual financial reports of 23 banking companies selected through purposive sampling, resulting in 69 firm-year observations. Data were analyzed using path analysis with LISREL to examine both direct and indirect relationships among the variables. The findings reveal that asset growth positively influences profitability, indicating that the effective expansion of corporate assets contributes to improved financial performance. Operational efficiency was also found to significantly affect both profitability and firm value, highlighting the importance of efficient resource management in generating sustainable corporate outcomes. Furthermore, profitability exerts a positive influence on firm value and successfully mediates the relationships between asset growth and firm value, as well as between operational efficiency and firm value. These results underscore the critical role of profitability as a strategic mechanism through which growth and operational efficiency translate into enhanced firm value. The study contributes to the literature on corporate finance and banking performance by providing empirical evidence on the interconnected roles of growth, efficiency, and profitability in creating shareholder value within emerging financial markets. Keywords: Asset Growth; Operational Efficiency; Firm Value
The influence of financial literacy and fintech payment behavior on healthy financial management behavior the mediating role of financial self-control among generation Z Srikandi Pratama Agni Putri; Maiyaliza Maiyaliza
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.27836

Abstract

This study examines the influence of financial literacy and fintech payment behavior on healthy financial management behavior among Generation Z students, with financial self-control as a mediating variable. A quantitative approach was employed using a survey of 384 students in Cirebon. Data were analyzed using structural equation modeling to test the relationships between variables. The findings indicate that financial literacy and fintech payment behavior significantly influence healthy financial management behavior. Furthermore, financial self-control plays a crucial mediating role in strengthening these relationships. These results suggest that improving financial literacy and self-regulation are essential for developing responsible financial behavior. However, this study is limited to a specific geographic area, which may affect the generalizability of the results. Future research should expand the scope to diverse regions and include longitudinal data to better capture behavioral changes over time. Educational institutions and fintech providers should collaborate to promote financial education programs. Keywords: Financial Literacy; Fintech Payment Behavior; Generation Z; Financial Management Behavior; Financial Self-Control
The influence of profitability and growth on dividend policy with firm size as a control variable in the oil and gas subsector listed on the Indonesian Stock Exchange for the 2020-2024 period Riyandi Riyandi; Hari Sulistiyo; Irvan Yoga Pardistya
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.28050

Abstract

This study aims to analyze the effect of profitability and company growth on dividend policy, with firm size as a control variable, in oil and gas subsector companies listed on the Indonesia Stock Exchange during the 2020–2024 period. The study employs a quantitative research approach using secondary data obtained from annual reports and applies logistic regression analysis. The findings indicate that profitability and company growth simultaneously affect dividend policy. Partially, profitability has a significant effect on dividend policy, whereas company growth does not have a significant effect. Furthermore, the results show that the independent variables explain 40.4% of the variation in dividend policy. These findings suggest that companies with higher profitability are more likely to distribute dividends, while company growth is not a primary consideration in determining dividend policy. Keywords: Profitability; Growth; Firm Size; Dividend Policy
The influence of self efficacy and motivation on work readiness among students in the office administration education program at Surabaya State University Meylina Puspitaningsih; Ruri Nurul Aeni Wulandari
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.28054

Abstract

This study aims to analyze the role of self-efficacy and motivation in shaping students’ work readiness. A quantitative approach with an explanatory design was used to test the causal relationships among the variables. The study population consisted of 189 students from the 2022 cohort of the Office Administration Education Program at Surabaya State University, with a sample of 128 respondents selected through proportional random sampling. Data collection was conducted using an online Likert-scale questionnaire, which was then analyzed using multiple linear regression with SPSS version 25. The results indicate that self-efficacy and motivation have a positive and significant effect on work readiness, both partially and simultaneously, with a combined contribution of 63.5%. These findings confirm that belief in one’s own abilities and internal motivation play a crucial role in preparing students to enter the workforce. A limitation of this study lies in the limited scope of the respondents; therefore, further research is recommended to involve a broader sample and relevant additional variables. Keywords: Self Efficacy; Motivation; Work Readiness; Students; Office Administration Education
Work anxiety and performance: Systematic literature review Rofiqi Rofiqi; Sopiah Sopiah
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.16349

Abstract

This systematic review aims to examine the influence of innovation strategies on firm competitive advantage and to establish a theoretical foundation for future research on innovation and organizational competitiveness, with a specific focus on work anxiety and employee performance. The review follows the PRISMA framework and analyzes nine studies published between 2019 and 2024. Relevant literature was sourced from major academic databases, including Taylor & Francis, ScienceDirect, Springer, Wiley, Oxford Academic, SAGE Journals, and BMC. The findings indicate that most of the reviewed studies emphasize a strong relationship between work-related anxiety and employee performance, suggesting that psychological strain remains an important factor influencing organizational outcomes. However, despite the growing number of publications in recent years, the review identifies a significant gap in empirical studies exploring work anxiety from multiple perspectives and contexts. This indicates that the field is still developing and requires further in-depth investigation to better understand how work anxiety affects performance across different organizational settings. Overall, the study highlights the need for more comprehensive and multidisciplinary research to advance theoretical and practical understanding of work anxiety and its implications for employee performance. Keywords: Work Anxiety; Employee Performance; Innovation Strategy; Systematic Review; PRISMA
The effect of word of mouth and brand image on customer loyalty with customer satisfaction as an intervening variable Dwi Gemina; Sudarijati Sudarijati; Annisa Suci Nur Azizah
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.23801

Abstract

This study examines the influence of word of mouth and brand image on customer loyalty among users of Yongki Komaladi flat shoes in Bogor Regency, with customer satisfaction serving as an intervening variable. In the increasingly competitive fashion and footwear industry, understanding the factors that foster customer loyalty is essential for maintaining long-term business sustainability and competitive advantage. Employing a quantitative research design, data were collected through questionnaires administered to 100 consumers selected using purposive sampling, with respondents required to be at least 17 years old and to have purchased Yongki Komaladi flat shoes on at least two occasions. Path analysis was used to examine both direct and indirect relationships among the variables. The findings reveal that word of mouth and brand image each exert positive and significant influences on customer satisfaction and customer loyalty. Customer satisfaction was also found to have a strong positive effect on loyalty, highlighting its central role in strengthening long-term consumer relationships. Furthermore, customer satisfaction successfully mediates the relationships between word of mouth and customer loyalty as well as between brand image and customer loyalty, indicating that favorable consumer recommendations and a strong brand image enhance loyalty by first increasing customer satisfaction. These findings underscore the importance of maintaining a positive brand reputation, encouraging customer advocacy, and delivering satisfying consumer experiences to strengthen loyalty within the fashion retail sector. Keywords: Word Of Mouth; Brand Image; Customer Loyalty; Customer Satisfaction
Implementation of the health insurance policy at UPTD Puskesmas Ajangale Bone District Muh Dandy Rivaldi; Nursalam Nursalam; Maria M Lino
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.23891

Abstract

This study aims to analyze the implementation of health services for BPJS Kesehatan beneficiaries at UPTD Puskesmas Ajangale and to identify the factors that hinder its implementation. The research uses a descriptive qualitative approach with data collected through in-depth interviews, observation, and documentation. The analysis is based on the implementation theory developed by George C. Edwards III, which emphasizes four main variables: communication, resources, disposition of implementers, and bureaucratic structure. The findings indicate that the implementation of BPJS health services has been carried out administratively but has not yet operated optimally. Basic health services such as outpatient treatment, immunization, and referral services are available, yet several obstacles remain. Communication between health workers and patients is often ineffective, the number of medical personnel and the availability of medicines are limited, and some health workers still lack a humanistic approach in providing services. In addition, bureaucratic procedures, particularly the referral process, tend to be slow and less responsive to urgent situations. The main factors that hinder the effectiveness of BPJS service implementation include the shortage of health workers, limited development of service information systems, insufficient public education about health service procedures, and administrative processes that are still relatively complex. Overall, the study concludes that although BPJS health services have been implemented, improvements in both structural and operational aspects are still necessary to ensure that health services become more effective, efficient, and equitable for the community. Keywords: Implementation; Health Services; BPJS; Public Health Center; Public Policy
The power of live engagement : How brand experiences and e-WOM drive Somethinc’s Tiktok sales Safina Nashwa Haliza; Rita Komaladewi
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.24013

Abstract

This study examines the influence of brand experience and electronic word of mouth (eWOM) on purchase intention in the context of TikTok live streaming conducted by Somethinc. As live-streaming commerce continues to transform consumer engagement in the digital beauty industry, understanding the factors that drive purchase intention has become increasingly important for brand competitiveness and customer acquisition. Employing a quantitative approach, the study analysed the relationships among variables using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS. Brand experience was evaluated through sensory, emotional, behavioural, and intellectual dimensions, while eWOM was assessed based on information usefulness, attitudes toward information, and information credibility. Purchase intention was measured through indicators related to purchase certainty and behavioural tendencies toward buying. The findings reveal that both brand experience and eWOM exert positive and significant influences on purchase intention. An engaging and informative brand experience enhances consumer perceptions and emotional connections with the brand, while credible and useful eWOM strengthens trust and confidence in purchasing decisions. These results suggest that interactive live-streaming activities, supported by authentic consumer-generated information, play a critical role in stimulating purchase intention among digital consumers. The study contributes to the growing literature on social commerce, digital marketing, and consumer behaviour by providing empirical evidence from the rapidly expanding live-streaming ecosystem within Indonesia’s beauty industry. Keywords: Brand Experience; eWOM; Purchase Intention; TikTok; Live Streaming; Somethinc
The influence of perceived usefulness, perceived ease of use, and financial literacy on interest in using digital banking among students at Sebelas Maret University, Surakarta Andarias Vanissaputri; Khresna Bayu Sangka
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.24357

Abstract

This study examines the influence of perceived usefulness, perceived ease of use, and financial literacy on students’ intention to use digital banking services at Sebelas Maret University. As digital financial services continue to expand, understanding the factors that encourage technology adoption among young consumers has become increasingly important for financial institutions and policymakers. Through a quantitative descriptive approach, primary data was gathered using online questionnaires administered to a student sample selected via purposive sampling. Instrument validity and reliability were assessed using Pearson’s validity test and Cronbach’s Alpha, while data analysis included classical assumption tests and multiple linear regression analysis. The findings reveal that perceived usefulness, perceived ease of use, and financial literacy each exert a positive and significant influence on students’ intention to use digital banking services. Students are more likely to adopt digital banking when they perceive the technology as beneficial, easy to operate, and supported by adequate financial knowledge. These results highlight the importance of user-friendly digital banking platforms and financial literacy development in fostering technology acceptance among younger generations. The study contributes to the literature on financial technology adoption and digital consumer behaviour by providing empirical evidence on the determinants of digital banking acceptance within the higher education context in Indonesia. Keywords: Perceived Usefulness; Perceived Ease of Use; Financial Literacy; Interest In Using Digital Banking
The effects of social media and event marketing on brand awareness in a culturally positioned MSME: Evidence from Kedai Rasta Timothy Andrianus Philemon; Ribka Trivena Muabuai
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.25048

Abstract

This study examines how social media marketing (SMM) and event marketing (EM) contribute to brand awareness for Kedai Rasta, a culturally grounded MSME based in Bandung. The central premise is that cultural identity, when strategically mobilised, can function as a meaningful branding resource that shapes how both digital and experiential marketing activities build brand visibility. Using a quantitative cross-sectional design, data were collected from consumers through Likert-scale questionnaires and analysed via multiple linear regression. The results confirm that both SMM and EM are positively and significantly associated with brand awareness, though each operates through distinct pathways. Social media marketing strengthens awareness primarily through content quality and audience connection, while event marketing works largely through direct consumer involvement and immersive experiential engagement. Dimensions related to interaction intensity showed comparatively limited influence in both channels, pointing to communication barriers that restrict broader audience reach and slow message diffusion beyond existing communities. The study further finds that cultural identity plays a dual role. Rather than functioning straightforwardly as an asset, it acts as both an enabling and a bounding resource, amplifying brand awareness when translated into shareable digital content and immersive offline experiences, yet narrowing its reach when interactions remain concentrated within culturally homogeneous groups. These findings contribute to literature on SME branding, cultural marketing, and integrated marketing communications by underscoring the value of pairing culturally distinctive online content with well-designed experiential marketing as mutually reinforcing elements of a coherent brand strategy. Future research would benefit from multi-firm, longitudinal, or experimental designs, and from incorporating digital analytics and behavioural indicators alongside self-reported measures to develop a more comprehensive understanding of brand awareness formation in culturally oriented enterprises. Keywords: Social Media Marketing; Event Marketing; Brand Awareness; MSME; Cultural Branding

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