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Hadi Ismanto
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Dekanat Building, Faculty of Economics and Business, Universitas Islam Nahdlatul Ulama Jepara Jl. Taman Siswa No. 9 Kauman Tahunan, Jepara, Jawa Tengah, Indonesia 59451
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INDONESIA
Journal of Management and Entrepreneurship Research
Published by Universitas Islam Nahdlatul Ulama Jepara
ISSN : 27231658     EISSN : 27231666     DOI : https://doi.org/10.34001/jmer.2020.12.01.2
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
JMER: Journal of Management and Entrepreneurship Research (p-ISSN: 2723-1658; e-ISSN: 2723-1666) provides a venue for high quality manuscripts dealing with management and entrepreneurship in its broadest sense. The editorial board encourages manuscripts that are international in scope; however, readers can also find papers investigating domestic issues with global relevance. JMER is published by Universitas Islam Nahdlatul Ulama Jepara (Unisnu Jepara). JMER starts publication in June 2020. This journal is published biannually (June and December). The aim of the journal is to facilitate dissemination of contemporary research in the field of business management and entrepreneurship. The scope of this journal includes empirical and theoretical articles related to the business strategy, management, human resource management, organizational behavior, marketing, supply chain management, finance, corporate governance, economics, entrepreneurship, knowledge management, and innovation.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 106 Documents
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Clustered for Clarity: Leveraging AIO and K-Means to Decode the Modest Fashion Market for Indonesian Muslimah Dinda R. Melati Mulia; Yati Rohayati; Tiara Verita Yastica
Journal of Management and Entrepreneurship Research Vol. 6 No. 3 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.9.06.3-72

Abstract

Objective: This study explores market segmentation within Indonesia’s modest fashion industry for Muslimah consumers by applying a psychographic approach, specifically the Activities, Interests, and Opinions (AIO) framework, combined with the k-means clustering algorithm. The aim is to develop detailed consumer profiles that support more targeted and culturally relevant marketing strategies for micro, small, and medium-sized enterprises (MSMEs). Research Design & Methods: A descriptive quantitative design was employed using an online questionnaire completed by 450 Muslim women who regularly purchase modest fashion. After data cleaning, 433 valid responses were analyzed. Psychographic indicators were measured with a seven-point Likert scale. K-means clustering, selected for its efficiency in unsupervised segmentation, was used alongside the Elbow and Silhouette methods to determine the optimal number of clusters. ANOVA and cross-tabulation analyses were applied to validate the segmentation. Findings: Three psychographic segments emerged: Value-Oriented Pragmatists, Trendy Realists, and Aspirational Stylists. These segments displayed distinct preferences regarding quality, trend adoption, and aspirational values. Each group also revealed different demographic and behavioral profiles, especially regarding spending patterns and purchase motivations. Implications & Recommendations: The resulting segmentation model offers practical guidance for MSMEs in customizing marketing strategies. For instance, emphasizing premium materials may appeal to Value-Oriented Pragmatists. Tailored messaging can improve brand positioning and customer retention. Contribution & Value Added: This study fills a gap in psychographic segmentation within Indonesia’s modest fashion sector. Integrating AIO profiling with machine learning provides a scalable model for MSMEs seeking culturally grounded, data-driven consumer insights in emerging markets.
What Drives Successful Co-Creation? The Role of Entrepreneurial Networking Quality and Entrepreneurial Trust Quality in Increasing Business Performance Herning Indriastuti; Syarifah Hudayah; Gusti Noorlitaria Achmad; Lennora Putit
Journal of Management and Entrepreneurship Research Vol. 6 No. 3 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.9.06.3-73

Abstract

Building Loyalty Through Consumer Resonance in Using M-Banking Ketut Gede Sri Diwya; Made Vera Kristanti Dewi; Ni Putu Dhanan Kumaradewi M
Journal of Management and Entrepreneurship Research Vol. 6 No. 3 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.9.06.3-74

Abstract

CFO Characteristics and Liquidity Creation: Evidence from Indonesia Mohammed Abdullah Salem Bahbry; Tastaftiyan Risfandy; Muh. Juan Suam Toro
Journal of Management and Entrepreneurship Research Vol. 6 No. 3 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.9.06.3-70

Abstract

Objective: While the importance of liquidity creation in banking has been widely acknowledged, limited empirical research has explored how Chief Financial Officer (CFO) characteristics influence this critical function, particularly within emerging markets such as Indonesia. This study addresses this gap by examining the impact of CFO attributes specifically gender, age, ethnicity, and tenure on liquidity creation in Indonesian banks. Research Design & Methods: This study adopts a quantitative research design utilizing secondary panel data from 40 banks listed on the Indonesia Stock Exchange (IDX) over the period 2013–2023. The analysis employs robust Ordinary Least Squares (OLS) regression to examine the effect of CFO characteristics including gender, age, ethnicity, and tenure on bank liquidity creation. Findings: The findings reveal that CFO age is positively associated with liquidity creation, indicating that older CFOs may be more effective in managing liquidity. Conversely, CFO gender and ethnicity exhibit significant negative effects, suggesting that female CFOs and those from minority ethnic backgrounds are linked to lower liquidity creation. CFO tenure, however, shows no statistically significant impact. Implications & Recommendations These results highlight the importance of executive demographics in shaping liquidity strategies and financial intermediation within bank-based economies. The study suggests that organizations should consider demographic diversity and experience when appointing financial leaders. Contribution & Value Added: This research adds to the limited literature on executive influence in liquidity creation, particularly in emerging markets. It offers practical insights for corporate governance, executive recruitment, and diversity policy in the financial sector.
ESG in HRM Policies: Retaining and Engaging Generation Z Employees in Private Higher Education Institutions Tatiek Ekawati Permana; Ruli Mochammad Chaerudin
Journal of Management and Entrepreneurship Research Vol. 6 No. 3 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.9.06.3-75

Abstract

Driving Green Innovation for Sustainable Performance: An Empirical Study of Micro Enterprises in North Sumatra, Indonesia Sisca Sisca; Andy Wijaya; Christina Yanita Setyawati; Acai Sudirman
Journal of Management and Entrepreneurship Research Vol. 6 No. 4 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.12.06.4-77

Abstract

Objective: This study aimed to investigate the key factors driving the adoption of green innovation and how the adoption relates to the enhancement of sustainable business performance in North Sumatra context. Research Design & Methods: A quantitative design was applied through structural equation modeling (SEM) with SmartPLS software, based on data previously collected from 371 Micro, Small, and Medium Enterprises (MSMEs) in food and beverage (F&B) sector. Findings: The results showed that organizational factors, human resources, and technology were significant drivers in implementing green innovation. The adoption of this innovation has been proven to contribute positively to the social and environmental aspects of sustainable performance, although it did not have a significant impact on the economic aspect. Implications & Recommendations: This study provided valuable insights on green innovation, a topic that has received limited scholarly focus in the context of North Sumatra MSMEs. It also offered more insights into previously unanswered questions regarding the determinants of green innovation adoption and their potential role in fostering sustainable performance among MSMEs. Contribution & Value Added: Theoretically, this study expanded the use of Resource-Based View (RBV) by emphasizing the importance of internal resource management directed toward environmentally sound innovation to achieve sustainable competitive advantage. Practically, the results provided strategic guidance for MSMEs and policymakers in designing resource-based policies to encourage transformation toward sustainability.
Behavioral Shifts in Digital Finance: How E-Payment Influences Consumer Spending and Financial Literacy Faizal Rizky Yuttama
Journal of Management and Entrepreneurship Research Vol. 6 No. 4 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.12.06.4-80

Abstract

Live Shopping Impulse: The Roles of Positive Emotion and Hedonic Browsing Septiana Lisa Arumsari; Kussudyarsana Kussudyarsana; Aflit Nuryulia Praswati; Ihwan Susila
Journal of Management and Entrepreneurship Research Vol. 6 No. 4 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.12.06.4-79

Abstract

The Influence of Environmental Awareness, Environmental Attitudes, and Perceptions of Green Marketing on Consumer Trust in Environmentally Friendly Products in Modern Retail Andreas Ari Sukoco; Cheryl Marlitta Stefia; Budhi Haryanto; Rohwiyati Rohwiyati; Rakotoarisoa Maminirina Fenitra
Journal of Management and Entrepreneurship Research Vol. 6 No. 4 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.12.06.4-78

Abstract

Objective: This study aims to analyze the effects of environmental awareness, environmental attitude, and perceptions of green marketing on consumer trust in eco-friendly products in modern retail. Research Design & Methods: The research employs a quantitative survey design with a purposive random sampling technique, yielding 100 respondents. Data were collected using a questionnaire and analyzed using multiple linear regression in SPSS. Findings: The results show that environmental awareness, environmental attitude, and perceptions of green marketing have positive and significant effects on consumer trust. Implications & Recommendations: Practically, modern retailers need to strengthen the credibility of their green communications (credible certifications/labels, traceability evidence) and enhance consumer education so that sustainability claims are understood and trusted. Contribution & Value Added: The novelty of this study lies in integrating VBN and Signaling Theory within a single model to explain the formation of green trust in Indonesia’s modern retail context. The findings further reinforce the proposition that building green trust requires a combination of consumers’ awareness and positive attitudes together with credible and consistent green marketing signals. The synergy of these factors is crucial for encouraging the adoption of eco-friendly products in modern retail.
Push-Pull Factors and Financial Inclusion of MSME Owners in Nigeria: An Empirical Analysis Abdullahi Adio Babatunde; Ahmed Oluwatobi Adekunle
Journal of Management and Entrepreneurship Research Vol. 6 No. 4 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.12.06.4-83

Abstract

Objective: This study examines the determinants of financial inclusion among MSME owners in North Central Nigeria. Research Design & Methods: The study adopted a survey research design; the target population consisted of 11,607 MSME owners across North Central Nigeria. A combination of stratified and simple random sampling techniques was used to select participants. The sample size of 435 was determined using Krejcie and Morgan’s (1970) sample size formula. Data was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings: The findings revealed that push-pull factors significantly explained variations in financial inclusion. Based on these results, the study concludes that push-pull factors have a positive effect on the financial inclusion of MSME owners in North Central Nigeria. Practical Implications: This study accentuates the imperative for financial regulatory bodies to adopt targeted financial inclusion management strategies tailored to the unique needs of Micro, Small, and Medium Enterprises (MSMEs). By doing so, these institutions can catalyze economic emancipation, particularly in emerging economies such as Nigeria. Recommendations: The study recommends that the government should implement financial literacy programs to raise awareness among MSME owners about the importance of financial knowledge and skills. Additionally, the government should collaborate with banks to provide lower interest rates and more flexible repayment options to ensure that financial support effectively reaches the intended beneficiaries. Contribution & Value Added: This research contributes to the literature by empirically demonstrating the influence of push-pull factors such as necessity-driven entrepreneurship (push) and opportunity-driven entrepreneurship (pull) on MSME performance in Kwara State, Nigeria.

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