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Golden Ratio of Mapping Idea and Literature Format
Published by Manunggal Halim Jaya
ISSN : -     EISSN : 27766381     DOI : https://doi.org/10.52970/grmilf
Core Subject : Economy, Science, Education, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences
The Golden Ratio of Mapping Idea and Literature Format (GRMILF) is the first innovative journal in the world that collects and resumes prior research / recent studies. The Golden Ratio of Mapping Idea and Literature Format (GRMILF) aims to make it easier for global readers to get and read resumes from various summaries of research results concisely and clearly. Therefore, the Golden Ratio of Mapping Idea and Literature Format is expected to make it easier for scholars to find research gaps and target the SOTA (State-of-the-art) and novelty in their development. The scope of the article in the Golden Ratio of Mapping Idea and Literature Format (GRMILF) is multidisciplinary and (or) interdisciplinary expertise.The Golden Ratio of Mapping Idea and Literature Format (GRMILF) accepts various approaches in literature reviews (e.g., mapping literature, bibliometric, systematic literature review, etc.).
Arjuna Subject : Umum - Umum
Articles 261 Documents
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Determinants of E-wallet User Satisfaction: Digital Financial Literacy, Ease of Use, and Trust in Generation Z A. Aisyah; Hadi Ismanto
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2083

Abstract

The rapid development of financial technology has driven significant transformations in digital payment systems, particularly through e-wallets. Generation Z, as digital natives and active e-wallet users, faces challenges related to digital financial literacy that could potentially impact their satisfaction levels. The purpose of this study is to analyze the factors influencing e-wallet user satisfaction among Generation Z, with a focus on the role of digital financial literacy, ease of use, and trust as key determinants, thus providing guidance for digital financial service providers in designing strategies to improve user satisfaction. This study uses a quantitative approach with primary data obtained through a questionnaire in the form of Google Forms. The population of this study is Generation Z in Jepara Regency who use e-wallets. The sampling technique used is non-probability sampling with a purposive sampling method. The criteria used by researchers to select the sample in this study are Generation Z born between 1997 and 2012, domiciled in Jepara, and have experience in using e-wallets (e.g., Dana, GoPay, OVO, ShopeePay, LinkAja). Data analysis was conducted using SmartPLS through outer model testing, inner model testing, and hypothesis testing. The research results show that digital financial literacy, ease of use, and trust have a positive and significant impact on user satisfaction. Thus, a good understanding of digital financial products, ease of use, and trust are key factors in determining user satisfaction. Operating an e-wallet and trusting the security of the service are the main keys to increasing Generation Z user satisfaction with e-wallets amidst increasingly fierce competition in the digital economic ecosystem.
The Effect of Hard Skills and Soft Skills on Employee Performance R. Rani; Suparni Sampetan; S. Sukri
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2177

Abstract

This study aims to examine the influence of Hard skills and Soft skills on Employee Performance, as well as to provide a clear picture of the relationship between the two and their contribution to improving employee performance. This study uses a quantitative approach with a descriptive research type, which was conducted at the company PT Perumda Tirta Mangkaluku Palopo City. The population in this study was 316 employees and the sample used was 76 respondents who were selected randomly. Data collected using questionnaires and analyzed using validity and reliability tests, classical assumption tests, and hypothesis testing. The results of the study indicate that Hard skills and soft skills have a significant effect on employee performance, both partially and simultaneously. The implication of this study is that companies need to improve the development of Hard skills and soft skills of employees in a balanced manner to improve employee performance. This study also contributes to the development of a human resource model that emphasizes the balance of Hard skill and soft skill competencies in forming a productive, adaptive, and competitive workforce.
Digital Marketing and Marketing Performance: The Mediating Role of Big Data Analytics in Indonesian Logistics Firms Hikmah Sekarningtyas; Lenni Lukitasari
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2202

Abstract

This study investigates the effect of digital marketing on marketing performance and examines the mediating role of big data analytics in Indonesian logistics firms. The study is grounded in the Resource-Based View (RBV) and Technology Organization Environment (TOE) frameworks, which emphasize the strategic importance of digital capabilities in enhancing organizational competitiveness. A quantitative explanatory approach with a cross-sectional design was employed. Data were collected from 350 respondents working in logistics companies in Indonesia using purposive sampling combined with company-size stratification. The questionnaire instruments were developed based on previous studies and validated through expert review and pilot testing. Reliability and validity assessments indicated satisfactory results, with Cronbach’s alpha and Composite Reliability values exceeding 0.70 and Average Variance Extracted (AVE) values above 0.50 for all constructs. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings revealed that digital marketing positively and significantly affects marketing performance (β = 0.32, p < 0.001) and big data analytics (β = 0.76, p < 0.001). Furthermore, big data analytics significantly influences marketing performance (β = 0.41, p < 0.001) and partially mediates the relationship between digital marketing and marketing performance (β = 0.31, p < 0.001). The model demonstrated substantial explanatory power with an R² value of 0.64 for marketing performance. These findings indicate that integrating digital marketing with big data analytics capability can enhance marketing effectiveness and strengthen competitive advantage in the logistics industry.
The Effect of Bad Loans on Working Capital in the Rahmat Sejahtera Savings and Loan Cooperative Palopo S. Sudirman; Henri Fauli; Umar Hi Salim
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2231

Abstract

The effect of bad loans on working capital at the Rahmat Sejahtera Palopo savings and loan cooperative. The purpose is to find out and analyze the influence of bad loans on working capital in the Rahmat Sejahtera Palopo savings and loan cooperative. This study uses  a proportional random sampling method, the data used in this study is primary data in the form of secondary data.  The results of this study show that bad loans do not have a significant effect on working capital in the Rahmat Sejahtera Palopo savings and loan cooperative, this is evidenced by the results of data analysis explaining that  the bad loan variable (X) has no effect on the working capital in the Rahmat Sejahtera Palopo savings and loan cooperative, the value of the correlation coefficient (R) is 54.5%, this shows that the relationship between the free variable, namely bad loans and working capital in the Rahmat Sejahtera Palopo savings and loan cooperative,  has a weak relationship because it is close to 0 (zero) but still has a positive correlation, meaning that if the company tightens its collection of receivables to customers, it will increase working capital, the result of the determination coefficient value (R2) of 29.7% showed that the influence or contribution of the non-bad loan variable (x) on working capital (Y) in the Rahmat Sejahtera Palopo savings and loan cooperative was 29.7% and the remaining 70.3% was influenced by other factors or variables that were not studied in this study, The results of the t-test were conducted to see and partially measure the influence of the free variable (X) on the bound variable (Y).
SWOT Analysis for Enhancing the Competitiveness of Gambung Cake SMEs in Luwu Regency, Indonesia Ruslan Mahfuddin; Muhammad Haekal Yunus; N. Nasruddin
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2099

Abstract

This study aims to analyze the internal and external factors affecting the competitiveness of Gambung Cake Small and Medium-Sized Enterprises (SMEs) in Luwu Regency and formulate strategies for enhancing their competitiveness through a SWOT analysis approach. Gambung Cake is a traditional local culinary product with significant economic potential; however, it faces various challenges in an increasingly competitive market environment. This research employed a qualitative descriptive method, with data collected through direct observation, in-depth interviews with SME owners, and documentary studies. Data were analyzed using the SWOT matrix to identify strengths, weaknesses, opportunities, and threats, as well as the Internal-External (IE) matrix and SWOT matrix to formulate strategic alternatives. The findings indicate that Gambung Cake SMEs possess notable strengths in terms of product uniqueness and distinctive local tastes. However, they face weaknesses related to marketing, management, and limited capital. Opportunities include the growing interest of tourists in local culinary products and support from local government initiatives, whereas the primary threats stem from competition with similar products and changing consumer preferences. The recommended strategies include strength–opportunity (SO) strategies to maximize the unique characteristics of the product in targeting tourism markets; weakness–opportunity (WO) strategies to improve human resource capacity and access to financing; strength–threat (ST) strategies to maintain product advantages amid increasing competition; and weakness–threat (WT) strategies to minimize internal weaknesses in responding to external threats. This study is expected to contribute to the development of Gambung Cake SMEs by helping business owners better understand their business conditions, formulate effective marketing strategies, enhance competitiveness, and plan business development more systematically in the Luwu Regency. The SWOT analysis results indicate that Gambung Cake SMEs are currently in a growth phase, supporting the implementation of aggressive growth strategies (Supporting Aggressive Strategies).
The Role of Consultative Selling in Enhancing Sales Performance: Evidence from Indibiz Digital Services Muh. Febrianto Ahta Putra; Binarin Tiro Andika
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2111

Abstract

Low success rates in closing sales deals remain a major challenge in business-to-business (B2B) digital-service markets. This study aims to analyze the implementation of the consultative selling approach in the sales process of Indibiz digital services and examine its role in enhancing the sales performance. This study employs a qualitative approach, with data collected through observation and in-depth interviews with informants involved in sales activities, supported by company documentation. Data validity was ensured through triangulation techniques, and data analysis was conducted through data reduction, data display, and conclusion drawing. The findings show that consultative selling helps sales personnel better understand customer needs, identify business problems, and provide relevant solutions to them. This approach plays an important role in building customer trust and increasing the likelihood of closing sales. In addition, it supports long-term relationships through continuous communication and post-sale assistance. However, several challenges remain, including complex decision-making processes in B2B markets and inconsistent implementation among salespeople. Therefore, future research should explore its application in different industries and combine qualitative and quantitative approaches to better understand its impact on sales performance.
The Effect of AI Implementation, Logistics Information System Integration, and WMS on Operational Efficiency and Customer Satisfaction in Indonesian Logistics Companies Rizkha Rida; Margie Subahagia Ningsih
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2223

Abstract

The Indonesian logistics industry is undergoing rapid digital transformation through the adoption of artificial intelligence (AI), Logistics Information System (LIS) integration, and Warehouse Management Systems (WMS). However, empirical studies examining the simultaneous effects of these technologies on operational efficiency and customer satisfaction remain limited. This study investigates the influence of AI implementation, LIS integration, and WMS adoption on operational efficiency and customer satisfaction in Indonesian logistics companies. A quantitative explanatory research design was applied using purposive sampling. Data were collected from 350 respondents, including logistics managers, warehouse supervisors, IT managers, and supply chain coordinators across Indonesia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that AI implementation, LIS integration, and WMS adoption have positive and significant effects on operational efficiency. Operational efficiency also significantly improves customer satisfaction. Among the three digital technologies, AI implementation has the strongest standardized effect, followed by LIS integration and WMS adoption. The findings confirm that operational efficiency plays a crucial role in linking digital technology adoption with customer-related outcomes. This study contributes to TAM, RBV, TOE, and Digital Transformation Theory and provides practical insights for improving logistics performance.
The Effect of Digital Payment and Self Control on Students' Impulse Behavior in Palopo City Artika Sari Devi; Suhardi M Anwar; A. Antong
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2245

Abstract

This study aims to understand the influence of ease of transactions using digital payments on consumer behavior. The study examined the impulsive behavior of students in Palopo City, both directly and in the aquarium, with internal factors such as self-control. This study used a quantitative approach with a descriptive research type. Data analysis used multiple linear regression analysis. The results of this study indicate that digital payments have a significant effect on impulsive behavior, but self-control has a positive effect on impulsive behavior among students in Palopo City. This indicates that the higher a person's self-control, the lower their impulsive behavior.  
Analysis of Economic Vulnerability and Resilience of Communities Affected by Floods in Central Tapanuli, North Sumatra, and Aceh Bambang Sugiharto; H. Harkim; Maya Andriani; Syah Paradiba S. Sirait; Rejekia Vaizal Simanungkalit
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2299

Abstract

This study examines the economic vulnerability and resilience of flood-affected communities in Central Tapanuli, North Sumatra, and Aceh through a qualitative literature review based on published articles, reports, and relevant policy documents. The study analyzes key dimensions of vulnerability, including poverty, livelihood dependence, limited financial access, housing conditions, disaster exposure, and adaptive capacity. The findings show that economic vulnerability is strongly influenced by dependence on climate-sensitive livelihoods, weak household assets, and limited access to savings, credit, insurance, and formal recovery assistance. Although affected communities demonstrate adaptive responses such as temporary relocation, livelihood diversification, housing modification, social capital utilization, and informal cooperation networks, overall community resilience remains relatively weak, particularly in social and institutional dimensions. The study highlights that flood management policies should move beyond short-term emergency relief toward integrated strategies that strengthen local economic capacity, adaptive social protection, community-based early warning systems, and sustainable livelihood diversification. These findings contribute to disaster risk reduction studies by emphasizing the need for inclusive, locally grounded, and multidimensional policy responses to reduce flood-related economic vulnerability.
Determinants of the Financial Behavior of Universitas Terbuka Students at SALUT Kartini Rembang Durrotun Nafisah; Dian Anita Sari
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2031

Abstract

This study examines the influence of hedonistic lifestyle, financial technology, and financial literacy on the financial behavior of students in the Management Study Program at Open University SALUT Kartini Rembang. Data were collected using a questionnaire and a proportional random sampling technique. The data were analyzed using multiple linear regression with IBM SPSS Statistics (version 25). The results indicate that financial literacy and financial technology significantly and positively affect the financial behavior of students in the Management Study Program at Open University SALUT Kartini Rembang. Meanwhile, a hedonistic lifestyle has a negative but relatively weak effect on students' financial behavior. The coefficient of determination (R²) shows that 16.7% of the variation in financial behavior can be explained by the variables included in the model, while the remaining 83.3% is influenced by other factors not examined in this study.

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