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Ery Sulistyorini
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INDONESIA
Business Management Research
Published by Universitas Merdeka Malang
ISSN : -     EISSN : 28278267     DOI : 10.26905/bismar.v2i2.10414
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Business Management Research (Bismar) is a periodical issue containing information and analysis related to management science and business. This journal is of a popular scientific nature that includes both theoretical and empirical research. This journal focuses on the development of management science and business including aspects : Financial Management, Marketing Management, Human Resources Management, Operational Management, Strategic Management, System Information Management and Business Applied.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 3 Documents
 1 
Search results for , issue "Vol. 5 No. 1 (2026): January 2026" : 3 Documents clear
A Comprehensive Synthesis of Technology Adoption Models in the Context of QRIS Digital Payment in Indonesia: A Systematic Review of UTAUT, TAM, and TRAM Diah Widiawati; Yosanda Zata Aman; Burhanuddin Jauhari
Business Management Research Vol. 5 No. 1 (2026): January 2026
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v5i1.16586

Abstract

This Systematic Literature Review (SLR) provides a comprehensive synthesis of technology adoption models (TAM, UTAUT, TRAM) in the context of QRIS digital payment in Indonesia, aiming to resolve the theoretical fragmentation in existing literature. The study strictly adhered to the PRISMA protocol, examining Scopus-indexed articles from 2022 to 2025. The synthesis, predominantly based on quantitative studies utilizing PLS-SEM , reveals a strong convergence: Perceived Usefulness/Performance Expectancy and Trust consistently emerge as the most significant determinants of behavioral intention and actual QRIS adoption among both consumers and MSMEs. A critical divergence noted is the varying significance of Habit for sustained use and the pivotal role of contextual factors, such as Central Bank policies and the COVID-19 pandemic, which are often overlooked in traditional frameworks. Practically, the findings underscore the need for FinTech providers to prioritize investments in transparent security protocols and the clear communication of QRIS benefits. Future research is urged to employ longitudinal studies and cross-sectional comparisons between user segments to build a more integrated, parsimonious meta-model of digital payment acceptance.
The Influence Of Borrower Characteristics, Income, And Business Type On The Level Of Smoothness In Return Of People's Business Credit (KUR) (Case Study at Bank BTN KCP Jombang in 2024) Hasannudin Nursalim Putra; Alfani Amar Fuzaki; Vierkury Metyopandi; Yolanda Efionita; Rofikul Amin
Business Management Research Vol. 5 No. 1 (2026): January 2026
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v5i1.16589

Abstract

Micro, Small, and Medium Enterprises (MSMEs) serve as the vital backbone of the Indonesian economy, yet they frequently encounter structural hurdles in capital access and business management. To bridge this gap, the People's Business Credit (KUR) provides essential financing for feasible but non-bankable businesses. This research evaluates the critical factors determining the success of the KUR program, specifically focusing on the influence of borrower characteristics, income levels, and business types on repayment smoothness. Situated as a case study at Bank BTN KCP Jombang in 2024, the study addresses persistent challenges in loan installments despite existing government guarantees. Utilizing a quantitative approach, primary data were gathered from 30 KUR debtors selected through purposive sampling and analyzed via multiple linear regression. Empirical results reveal that all three variables significantly impact credit repayment. Notably, borrower characteristics exhibit a significant yet negative influence (sig = 0.021), suggesting that certain personal traits or high social responsibilities may inadvertently burden financial discipline. Conversely, income (sig = 0.000) and business type (sig = 0.000) demonstrate strong positive correlations with repayment performance. The model achieved an Adjusted R-Square of 0.961, indicating that 96.1% of the variance in repayment is explained by these factors. These findings highlight that while individual character is essential, the economic viability of the business sector and stable revenue streams are the primary drivers of credit quality.
Impact of NCT Dream's Endorsement and Parasocial Interaction in Driving Purchase Decisions via Brand Awareness Wisnu Mahendri; Madinah Nur Aliyah Rahmah
Business Management Research Vol. 5 No. 1 (2026): January 2026
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the influence of Brand Ambassador, in this case NCT Dream, and Parasocial Interaction on the purchasing decision of Tos Tos Tortilla Chips through the mediation of Brand Awareness. In the marketing context, Brand Ambassador serves to introduce and build brand image in the minds of consumers, while parasocial interaction deepens the emotional closeness between fans and idols, which can influence purchasing behavior. Data were collected through a survey involving 150 respondents who are NCT Dream fans and consumers of Tos Tos products. The results of the analysis using Structural Equation Modeling (SEM) show that Brand Ambassador and Parasocial Interaction have a positive and significant effect on Brand Awareness. Brand Awareness itself has a significant influence on purchasing decisions. Although Brand Ambassador does not have a direct effect on purchasing decisions, its influence can be felt through increased Brand Awareness which then drives purchasing decisions. Conversely, Parasocial Interaction has a direct and indirect effect on purchasing decisions through Brand Awareness. These findings provide insight that celebrity influence in marketing, especially through parasocial interaction, plays an important role in building brand awareness which ultimately influences consumer purchasing decisions.

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