cover
Contact Name
Hendrati Dwi Mulyaningsih
Contact Email
ijmesh@researchsynergypress.com
Phone
+628112341734
Journal Mail Official
ijmesh@researchsynergypress.com
Editorial Address
Jl. Nyaman No 31 Komplek Sinergi Antapani Bandung, Indonesia
Location
Kota surakarta,
Jawa tengah
INDONESIA
International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH)
ISSN : -     EISSN : 25800981     DOI : https://doi.org/10.31098/ijmesh
The journal has an international perspective on Management, entrepreneurship, Social Science and Humanities and publishes conceptual papers and empirical studies which bring together issues of interest to academic researchers and educators, policy-makers and practitioners worldwide. The editorial team encourages quality submissions which advance the study of Entrepreneurship including entrepreneurs behavior, Social entrepreneurship, Social enterprise, small medium enterprise, small economics; Management includes Operational management, People management, knowledge management, Finance, Marketing management, business administration, International business, Business communication, human resource, organization behavior; Social Science inlcudes Psychology, law, Language, sociology, Government science, Community, community development, politic and social science, culture; Humanities inculdes Human right, women empowerment, conflict resolution, middle east conflict
Articles 193 Documents
The Web of Debt: Informal Credit, Social Capital, and Student Financial Survival in Indonesian Universities Ashri Putri Rahadi; Anggara Wisesa; Deddy Priatmodjo Koesrindartoto; Fikri Mohamad Rizaldi; Faqih Ahmad Muzakky; Yulia Nur Hasanah
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 10 No. 1 (2026): July - December Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v10i1.4653

Abstract

In contexts where broadly accessible student loans are limited, financial shortfalls may be absorbed through students’ close relationships rather than formal credit. This study examines how Indonesian university students mobilise and regulate informal debt through these relationships. It employed an ethnographically informed, sequential cross-context qualitative design. The framework-building phase combined ethnographic interviews, participant observation, informal conversations, and field notes with 22 participants at Institut Teknologi Bandung. A second phase involved semi-structured interviews with 10 financially vulnerable students at Telkom University to corroborate and refine the emerging framework. Data were analysed using domain, taxonomic, componential, and cultural-theme analyses, followed by cross-context comparison. The findings show that student debt is relationally distributed: the person whose need generates an obligation, the person who borrows, and the person who repays may be different. Social capital becomes informal liquidity only after two-sided relational filtering, as lenders assess borrowers’ trustworthiness and the legitimacy of their needs while borrowers assess potential lenders’ capacity and relational safety. Reciprocity and accountable repayment sustain trust and relational continuity, while unaccountable conduct can become reputational information that travels across the network and contracts future access to support. The Web of Debt is therefore conceptualised as conditional relational liquidity: it can operate as a financial safety net, but also as a system of relational discipline. The study contributes a student-in-network perspective and shows why student financial vulnerability cannot always be understood from the individual borrower alone.
DFAS-EconomyGov: A Conceptual Governance Doctrine for Algorithmic Market Integrity and Supply Chain Resilience Hasan Mohamed Husain Alaali
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 10 No. 1 (2026): July - December Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v10i1.4666

Abstract

Artificial intelligence (AI) is increasingly embedded in financial markets, trade, and supply-chain decision systems, creating opportunities for efficiency and resilience while introducing governance problems involving opacity, algorithmic interaction, technological dependence, supply-chain fragility, and jurisdictional misalignment. Existing governance approaches address important elements of AI ethics, risk management, accountability, regulation, and resilience, but these functions remain only partially integrated within economically consequential AI-mediated decisions. This study employs a non-empirical doctrinal and conceptual design approach. Evidence from peer-reviewed research, regulatory and institutional publications, and international standards is synthesized to identify recurring governance problems and derive corresponding requirements. These requirements are translated into a governance doctrine and evaluated through evidence-based comparative analysis and three illustrative conceptual scenarios, including a failure-oriented stress scenario. The scenarios demonstrate conceptual operation and boundaries rather than empirical validation. The study develops DFAS-EconomyGov, centered on the Alaali Economy Governance Doctrine (A-EGD) and operationalized through four supporting functions: explainability escalation (A-MEEF), authority-bounded intervention (A-TOCC), jurisdiction-sensitive calibration (A-SCETM), and optional governance traceability (A-MIL). Comparative analysis indicates that established instruments provide substantial coverage of individual governance functions, while DFAS-EconomyGov differs primarily in their configuration. Scenario analysis identifies applicability boundaries arising from poorly calibrated intervention, conflicting jurisdictional requirements, and insufficient technical or contractual control over third-party AI systems. The contribution is configurational rather than elemental: DFAS-EconomyGov connects detection and explainability to escalation, intervention authority, jurisdiction-sensitive calibration, and traceability within a single economic governance doctrine. The study establishes conceptual structure, comparative positioning, and identifiable failure conditions, but not empirical effectiveness or superiority.
The Mediating Role of Risk Perception between Behavioural Finance and Investment Decisions: A Survey-Based PLS-SEM Study of Retail Investors in Bali Made Pratiwidewi; Yudi Asiz; Widarto Rachbini
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 10 No. 1 (2026): July - December Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v10i1.4719

Abstract

This study examines the direct relationships among behavioural finance, risk perception, and investment decisions and tests the mediating role of risk perception among retail investors in Bali, Indonesia. A quantitative cross-sectional survey was conducted with 153 retail investors selected through purposive sampling based on predefined eligibility criteria. Data were analysed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Following measurement-model assessment, indicators with inadequate loadings were removed, resulting in a reduced seven-indicator measurement model comprising overconfidence and investor awareness for behavioural finance; liquidity, regulatory, and systemic risk for risk perception; and decision satisfaction and readiness for investment decisions. Using 5,000 bootstrap resamples, behavioural finance was positively associated with risk perception (beta = 0.538, p < 0.001, 95% CI [0.410, 0.655]) and investment decisions (beta = 0.633, p < 0.001, 95% CI [0.513, 0.743]). Risk perception was not significantly associated with investment decisions (beta = 0.048, p = 0.525, 95% CI [-0.099, 0.196]). The specific indirect effect through risk perception was also not significant (beta = 0.026, p = 0.539, 95% bootstrap CI [-0.053, 0.113]), providing no evidence of mediation in the final model. The findings indicate that the retained behavioural-finance construct is directly associated with investment decisions, whereas risk perception does not statistically transmit this relationship. The study contributes to behavioural investment research by clarifying the empirical role of risk perception within the tested model of Indonesian retail investors while recognising the implications of measurement-model reduction.