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INDONESIA
Jurnal Manajemen Bisnis Digital Terkini
Published by Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia
ISSN : 30472199     EISSN : 30470552     DOI : 10.61132
Core Subject : Science,
Decision Sciences, Operations Research & Management
topik dalam Jurnal ini berkaitan dengan segala aspek manajemen, namun tidak terbatas pada topik berikut: Manajemen Sumber Daya Manusia, Manajemen Keuangan, Manajemen Pemasaran, Manajemen Sektor Publik, Manajemen Operasi, Manajemen Rantai Pasokan, Tata Kelola Perusahaan, Etika Bisnis, Akuntansi Manajemen dan Pasar Modal dan Investasi
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Perilaku Organisasi dan Menejemen Sumber Daya Manusia
Articles 158 Documents
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Determinasi Rendahnya Literasi Dana Pensiun pada Pekerja: Peran Edukasi dan Digitalisasi dalam Industri Dana Pensiun di Indonesia Syarifudin Yunus; Farid Nabil Elsyarif
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 2 (2026): April: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i2.1308

Abstract

This study uses a quantitative method with an explanatory approach to explore factors contributing to low pension literacy among workers. The sample consisted of 66 workers from both the formal and informal sectors in Jakarta in December 2025. The findings reveal that low pension literacy is not solely due to a lack of knowledge but results from various factors, including low awareness, short-term financial behavior, product complexity, inadequate education, and underutilization of digital tools. There is a mismatch between workers' perceptions and the reality of pension fund behavior. The majority of workers (86%) are unprepared for retirement, and 89% do not have a voluntary pension fund. Despite this, 80% do not rely on workplace pension funds, and 45.5% feel confident they can meet their living expenses in old age, indicating pseudo-awareness they understand the importance of pension funds but have not established one. This reveals a gap between awareness and action regarding pension funds. Improving pension literacy requires an integrated approach that combines transformative education with digitalization to facilitate access and participation. Education must drive behavioral change, while digitalization simplifies processes, enhances accessibility, and broadens financial literacy. The synergy of education, digital technology, and policy support is essential for improving workers' financial readiness for a secure retirement.
Anti-Fragile Leadership: Membangun Sistem SDM yang Justru Semakin Kuat Saat Terjadi Guncangan Pasar Imellia Faridatus Soleha; Nuril Lailati Syarifah; Juni Indah Sirait; Mochammad Isa Anshori
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 2 (2026): April: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i2.1309

Abstract

Global business environmental uncertainty, triggered by "Black Swan" phenomena, demands that organizations transform beyond passive resilience toward anti-fragility capabilities, where Human Resource (HR) systems actually grow stronger through market disruptions. This study aims to analyze the concept of anti-fragility within organizational leadership, explain the role of transformational leadership in shaping anti-fragile employees, and identify organizational strategies for navigating market uncertainty. The approach employed is a narrative literature review using content analysis techniques across various reputable scientific journals, anti-fragility theory, and organizational case studies such as Disney+, Zoom, and Tractor Supply. Research findings indicate that transformational leadership acts as a primary catalyst that builds anti-fragility through intellectual stimulation, decentralized autonomy, and the creation of a culture that learns from failure. Organizational strategies prioritizing resource flexibility, cross-skilling, and optionality have proven effective in converting crisis stressors into opportunities for innovation and performance growth. The contribution of this article lies in the development of an "Anti-Fragile Leadership" conceptual framework that integrates the philosophical principles of anti-fragility into strategic HRM practices. The practical implications provide a guide for organizational leaders to design work systems that are adaptive and proactive toward market volatility, ensuring that organizations not only survive but thrive from chaos.
Internationalization Strategy for SMEs thru SWOT and PESTEL Analysis: A Case Study of PT Mujnah Kemiri Lombok Khusnia, Rif’atul; Sudarmiatin Sudarmiatin; Heri Pratikto
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 2 (2026): April: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i2.1310

Abstract

This study aims to analyze the internationalization strategy of SMEs through the integration of SWOT and PESTEL analysis, using a case study of PT Mujnah Kemiri Lombok. SMEs play an important role in the national economy; however, in the process of expanding into international markets, they face various challenges from both internal and external factors that need to be comprehensively identified. Therefore, a strategic analysis is required to understand the factors influencing the success of internationalization. This study employs a qualitative approach with a case study method. Data were collected through in-depth interviews, observations, and documentation related to the export activities of PT Mujnah Kemiri Lombok. Data analysis was conducted by identifying internal factors using SWOT analysis (Strengths, Weaknesses, Opportunities, Threats) and external factors using PESTEL analysis (Political, Economic, Social, Technological, Environmental, and Legal). The results show that the internationalization process of PT Mujnah Kemiri Lombok occurs gradually, starting from the domestic market and expanding into export markets through technological transformation and network expansion. The company’s main strengths lie in its supply chain network, business experience, and adoption of production technology, while its main weakness is the adaptation of human resources to technological changes. From an external perspective, government support acts as a key driving factor, while global price competition and logistics costs remain major challenges. This study is expected to provide both theoretical and practical contributions, particularly for SMEs in formulating appropriate internationalization strategies and enhancing competitiveness in the global market.
Innovative Strategies for SMEs in East Java: Boosting Competitiveness Through Digital Marketing and E-Commerce Salim, Agus; Sudarmiatin Sudarmiatin; Agus Hermawan
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 2 (2026): April: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i2.1313

Abstract

This study aims to analyze innovative strategies that can be implemented by Micro, Small, and Medium Enterprises (MSMEs) in East Java to improve competitiveness through digital marketing and e-commerce. This study uses a descriptive qualitative approach with a library research method by reviewing various scientific literature, government reports, and previous studies related to MSME innovation and digital transformation. The results of the study indicate that digital marketing and e-commerce innovation can increase market reach, operational efficiency, product differentiation, and MSME sales. However, the implementation of innovation still faces several challenges such as low digital literacy, limited capital, limited technology, and lack of system integration. Therefore, innovative strategies are needed, including integrated digital marketing, marketplace optimization, social commerce, digital payment systems, logistics integration, digital branding strengthening, and digital literacy training. In addition, collaboration between MSMEs, government, universities, communities, and digital platforms is an important factor in accelerating MSME digital transformation. This study produces recommendations for an innovative strategy model based on digital marketing and e-commerce to improve the competitiveness and sustainability of MSMEs in East Java.
Analisis Efisiensi Distribusi Material Konstruksi Menggunakan Pendekatan Supply Chain Management pada PT Waskita Karya (Persero) Tbk Risda Marvinita; Tiara Prisaca Sabilla; Muhammad Ramadhani Sanjaya
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 3 (2026): Juli: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i3.1338

Abstract

This study aims to analyze the efficiency of construction material distribution using a Supply Chain Management (SCM) approach at PT Waskita Karya (Persero) Tbk. The research employed a descriptive qualitative approach with a case study method. The data used were secondary data collected through documentation studies and literature reviews from news articles, company reports, scientific journals, and relevant literature. The study focused on the issue of material distribution delays in the 500 kV electricity transmission project in Sumatra, which affected project completion. The findings indicate that delays in material delivery were caused by suboptimal supply chain management, particularly in material procurement, supplier coordination, and inventory management. These conditions disrupted project implementation and reduced the company's operational efficiency. Therefore, a more effective implementation of Supply Chain Management through stronger supplier coordination, more accurate material planning, and improved inventory control is necessary to enhance distribution efficiency and support the successful completion of construction projects.
Analisis Kualitas Pelayanan dan Kepuasan Pelanggan pada PT Dewi Wisata Provinsi Sulawesi Selatan, Indonesia: Pendekatan Kualitatif Berbasis SERVQUAL Nur Fatima Zehra; Tiara Prisca Sabilla; Ramadhani Sanjaya; Laili Banuwa Fadila
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 3 (2026): Juli: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i3.1339

Abstract

This study aims to analyze service quality and customer satisfaction at PT Dewi Wisata, South Sulawesi Province, using a SERVQUAL-based qualitative approach. The research employed a descriptive qualitative method with data collected through in-depth interviews, non-participant observation, and documentation studies. Informants included company management, service staff, customers, and business partners involved in the company's operations. The analysis was conducted based on the five SERVQUAL dimensions, namely reliability, responsiveness,assurance, empathy, and tangibles. The results indicate that the overall service quality of PT Dewi Wisata is categorized as good and has successfully generated a high level of customer satisfaction. esponsiveness and empathy were identified as the most influential dimensions affecting customer satisfaction, reflected in prompt responses, ease of communication, friendly service, and the company's ability to provide solutions to customer problems. In addition, reliability and assurance contributed to building customer trust through accurate information and professional services, while tangibles served as supporting factors that strengthened the company's professional image. The findings suggest that high-quality service contributes positively to customer satisfaction, customer loyalty, and the sustainability of travel service businesses.
Pengaruh Legalitas Usaha dan Kualitas Produk terhadap Keputusan Pembelian Konsumen pada UMKM Binaan Dinas Koperasi dan UKM Provinsi Azzahra Ramadani Marsanda; Novita Ekasari; Yayuk Sriayudha
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 3 (2026): Juli: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i3.1372

Abstract

This study aims to analyze the effect of business legality and product quality on consumer purchase decisions at SMEs fostered by the Jambi Province Office of Cooperatives and SMEs. This study employed a quantitative approach with a sample of 96 respondents selected using purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The results indicate that business legality has a positive and significant effect on consumer purchase decisions, with a significance value of 0.043 (< 0.05). Product quality also has a positive and significant effect on purchase decisions, with a significance value of < 0.001. Simultaneously, business legality and product quality have a positive and significant effect on consumer purchase decisions, with a significance value of < 0.001. The coefficient of determination (R²) of 0.477 indicates that both variables explain 47.7% of the variation in consumer purchase decisions. Therefore, business legality and product quality are important factors influencing consumer purchase decisions at SMEs fostered by the Jambi Province Office of Cooperatives and SMEs.
Analisis Peran Pemerintah Desa dalam Meningkatkan Kualitas Pelayanan Publik di Desa Simpang Kertopati Kabupaten Sarolangun Annisa Annisa; Moh. Ihsan; Ade Perdana Siregar
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 3 (2026): Juli: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i3.1373

Abstract

This study aims to analyze role villages governmenting improve qualitying public service in Simpang Kertopati Villages, Sarolangun Regency, and identify factors that hinder implement. Study use qualitaty methods descripting approachs. Data obtaining throughs observationing, inter view, document, literature review. Data analyzyng use stage datas reduct, datas present, and conclus draw. Result indicate Simpang Kertopati Village government has fulfilled its role as a facilitator, mobilizer, and regulator, but its implementation has not been optimal. This is evident in the provision of service facilities, assistance to the community, socialization, and the implementation of service procedures that refer to applicable regulations. However, various obstacles still exist that affect service quality. These obstacles include internet network disruptions, limited facilities and infrastructure, and incomplete administrative requirements from the community, which hinders the optimal service process. Therefore, it is necessary to improve the quality of technological infrastructure, provide supporting facilities, and strengthen the capacity of village officials so that public services can be implemented more effectively, efficiently, and responsive to community needs.  
Peran Entrepreneurial Branding dalam Membentuk Persepsi dan Loyalitas Konsumen: Sebuah Studi Literatur Febrianto Saputra; Ahmad Agus Eko Wahyudi; Rusnandari Retno Cahyani
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 3 (2026): Juli: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i3.1374

Abstract

This study aims to analyze the role of entrepreneurial branding in shaping consumer perceptions and loyalty through a literature review approach. The background is driven by increasing business competition that requires entrepreneurs to build brands that are not only recognized but also capable of creating emotional bonds with consumers. Entrepreneurial branding emerges as a strategy that combines entrepreneurial spirit with dynamic and innovative brand management. The method used is a systematic literature review of relevant journal articles, books, and proceedings, obtained only from the Google Scholar database. The results show that entrepreneurial branding plays a significant role in shaping positive consumer perceptions through unique brand stories, authenticity, and active entrepreneur involvement. These positive perceptions subsequently contribute to increased consumer loyalty, as indicated by repeat purchases, word-of-mouth recommendations, and resilience against competing brands. The conclusion confirms that entrepreneurial branding is a key factor in building long-term relationships between brands and consumers. This study recommends that small and medium enterprises adopt entrepreneurial branding as a differentiation and loyalty enhancement strategy.
Tantangan Etika Di Era Digital Banking Dan Financial Technology: Implikasi Terhadap Kepercayaan Nasabah Dan Keberlanjutan Industri Perbankan Muhammad Irfan; Rudi Sanjaya; Raehan Ali; Muhammad Inayatulla; Egie Fahrizal; Aditya Pratama
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 3 (2026): Juli: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i3.1375

Abstract

The rapid development of Financial Technology (FinTech) and Digital Banking has transformed the financial services industry by providing more efficient, accessible, and innovative services. However, the increasing dependence on digital technology has raised various ethical challenges related to data privacy, cybersecurity, transparency, accountability, and consumer protection. This study aims to analyze ethical issues arising in digital banking and financial technology and examine their implications for customer trust and the sustainability of financial institutions. The research employs a qualitative approach through a literature review of scientific journals, books, regulations, and official reports published between 2019 and 2025. The findings reveal that data misuse, cyber threats, algorithmic bias, and inadequate disclosure of digital financial services remain significant ethical concerns. Furthermore, ethical governance plays a crucial role in maintaining customer trust and institutional reputation. The study concludes that technological innovation must be accompanied by strong ethical frameworks, regulatory compliance, and responsible digital governance to ensure sustainable growth in the digital financial ecosystem.

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