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Journal of Entrepreneurial Economics
Published by Institute for Advanced Science, Social, and Sustainable Future
ISSN : -     EISSN : 30480213     DOI : https://doi.org/10.61511/jane.v1i2.2024
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Journal of Enterpreneurial Economic (JANE) is a leading peer-reviewed and open-access journal, published by Institute for Advanced Social, Science, and Sustainable Future (IASSSF), Jakarta, Indonesia, with e-ISSN: 3048-0213. JANE is published twice a year (February and August), and all articles published are available online with open access. Aims: JANE aims to publish scholarly works that advance knowledge in the field of entrepreneurial economics and interdisciplinary research related to it. The journal focuses on research exploring the complex interactions between economic systems, entrepreneurship, societal behaviors, and the environment. JANE seeks to provide insights into strategies, policies, and practices that support sustainable development goals and societal well-being. Focus: JANE focuses on disseminating research that delves into the dynamic relationships between entrepreneurship, economic systems, and sustainable development. The journal emphasizes studies that integrate diverse methodologies and perspectives to understand how entrepreneurial activities drive economic progress, influence societal change, and contribute to environmental sustainability. By highlighting interdisciplinary research, JANE aims to offer comprehensive insights into strategies and practices that address contemporary economic and social challenges. Scope: This journal seeks to publish a broad range of scholarly articles, including: 1. Entrepreneurship and Innovation: Exploring the role of entrepreneurship in economic development, innovation strategies, startup ecosystems, and the impact of entrepreneurship on societal change. 2. Sustainable Development: Research on the relationship between entrepreneurship and sustainable development, including studies on green businesses, sustainable practices, and the role of entrepreneurship in achieving environmental sustainability. 3. Economic Systems and Policies: Analysis of economic systems, policies, and their impact on entrepreneurship, with a focus on how these elements influence economic growth, job creation, and societal well-being. 4. Social and Cultural Dimensions of Entrepreneurship: Examining the influence of cultural practices, societal behaviors, and social norms on entrepreneurship, as well as the role of social entrepreneurship in addressing societal challenges. 5. Human-Environment Interactions: Investigating the interactions between humans and the environment, including how economic activities, cultural practices, and societal behaviors affect environmental dynamics. 6. Policy Relevance: Contributions that provide insights and recommendations for policymakers, practitioners, and stakeholders involved in addressing entrepreneurial, social, and environmental issues. 7. Interdisciplinary and Multidisciplinary Approaches: Encouraging diverse methodologies and theoretical frameworks that draw on various disciplines within the social sciences, fostering inclusivity and equity in scholarly discourse.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol. 3 No. 1: February (2026)" : 6 Documents clear
Exploring the factors influencing non-Muslim customers towards Islamic banking Saputro, Hutomo Danu
Journal of Entrepreneurial Economics Vol. 3 No. 1: February (2026)
Publisher : Institute for Advanced Science, Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/jane.v2i2.2025.2413

Abstract

Background:  Indonesia, as the country with the largest Muslim population in the world, implements a dual banking system that accommodates both conventional and Islamic banking. While Islamic banking is rooted in Sharia principles prohibiting interest (riba) and promoting profit and loss sharing its services are increasingly being adopted by non-Muslim customers. This study aims to explore the factors influencing non-Muslim customers’ interest in using Islamic banking services in Indonesia, particularly focusing on product, facility, and promotion aspects. Methods: This research employs a qualitative approach using thematic analysis (TA) to identify recurring themes from interviews, observations, and supporting literature. Data were gathered from non-Muslim customers of several Islamic banks in Indonesia through personal communications and were validated through triangulation and peer review techniques. Findings: The findings indicate that convenience, capital resources, product quality, and facilities are the main determinants influencing non-Muslims to choose Islamic banks. Convenience includes the simplicity of account creation and accessibility of mobile and internet banking services. Capital resources reflect fair and transparent financing schemes based on profit-sharing contracts. Product quality emphasizes trust, ethical investment, and Sharia compliance, while facilities such as mobile banking enhance transactional efficiency and customer satisfaction. Conclusion: In conclusion, Islamic banks in Indonesia are perceived not merely as religious institutions but as inclusive financial alternatives that emphasize fairness, transparency, and technological convenience, making them attractive to both Muslim and non-Muslim customers. Novelty/Originality of this article: The novelty of this study lies in its qualitative exploration of non-Muslim customers’ perceptions of Islamic banking, highlighting non-religious motivations and practical factors often overlooked in previous quantitative research.
TerasDigital: Community-based digital education innovation as a strategy to improve generation z’s competence to reduce unemployment in the digital economy era Amelia, Intan Eka; Rinayanti, Latifah Mufid; Yulisetiani, Septi
Journal of Entrepreneurial Economics Vol. 3 No. 1: February (2026)
Publisher : Institute for Advanced Science, Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/jane.v3i1.2026.2486

Abstract

Background: The rapid development of the digital economy has created new challenges, including the rising unemployment rate among Generation Z due to a lack of competencies aligned with industry needs. The gap between young graduates’ skills and the demands of the job market has become a key factor contributing to this issue. This study aims to provide a solution through TerasDigital, a community-based platform promoting digital education. Previous studies highlight that community learning and digital literacy play essential roles in enhancing employability among young generations. Methods: This study employs a literature review and digital labor trend analysis to identify the competency gap among Generation Z. Secondary data from national and global employment reports were analyzed to design programs aligned with the needs of the digital industry, focusing on critical thinking, public speaking, collaboration, creativity, project management, and technological proficiency. Findings: Analysis shows that addressing the competency gap among Generation Z requires an integrated ecosystem that goes beyond technical training by incorporating adaptive soft skills, professional guidance, and project-based collaboration. TerasDigital functions conceptually as a strategic bridge to narrow this gap, transforming non-formal education into a center for skills development and professional networking that is aligned with the needs of the digital industry. This model emphasizes that reducing digital unemployment depends on creating an accessible, community-driven environment that facilitates peer interaction and real-world project experience. Conclusion: TerasDigital is expected to serve as an effective and sustainable strategy to address competency disparities, enhance Generation Z’s competitiveness, and reduce unemployment amid the massive digital transformation. Novelty/Originality of this article: This study introduces TerasDigital as an innovative community-based digital education model that combines digital literacy, professional mentoring, and project-based learning to directly align Generation Z’s skills with the evolving needs of the digital economy.
Integrating MSMEs’ business agility into SDGs framework: A pathway toward sustainable environmental economy Yana, Ramli
Journal of Entrepreneurial Economics Vol. 3 No. 1: February (2026)
Publisher : Institute for Advanced Science, Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/jane.v3i1.2026.2866

Abstract

Background: Micro, small, and medium enterprises (MSMEs) are pivotal to Indonesia’s economy, contributing 61% to GDP and 97% to employment, yet face significant barriers in adopting sustainable practices amid environmental challenges like 216 million tons of annual CO₂ emissions. This study aims to analyze how business agility enables MSMEs to transition toward a green economy, aligning with Sustainable Development Goals (SDGs) 8, 9, and 13. Existing literature highlights agility’s role in SME innovation but lacks a multidimensional framework for MSMEs in developing economies, particularly Indonesia, where low green adoption (<5% ISO 14001 certification) and financing gaps (IDR 2,400 trillion shortfall by 2026) persist. Methods: An integrative literature review (ILR) was conducted, synthesizing secondary qualitative data from sources like Bappenas report, peer-reviewed studies, and reports from OECD, World Bank, and UNDP. Using Whittemore and Knafl’s framework, the study employed thematic analysis within a dynamic capabilities theory lens, categorizing findings into firm-level (e.g., eco-innovation), network-level (e.g., collaborative ecosystems), and institutional-level (e.g., policy adaptability) dimensions. Findings: Results reveal that firm-level agility drives eco-innovation but is limited by low digital transformation (16% adoption). Network-level agility, through partnerships like West Java’s 38 cleantech startups, supports SDG 9, while institutional-level agility addresses financing gaps, aligning with SDG 13. Regional disparities, such as South Sulawesi’s 74% lack of green processes, highlight the need for tailored agility strategies. Triangulated data confirm agility’s role in bridging micro-level practices with macro-level SDG goals, extending dynamic capabilities theory. Conclusion: Business agility empowers MSMEs to navigate environmental and market challenges, fostering sustainable transitions critical for Indonesia’s net-zero goal by 2060. Novelty/Originality: This study offers a novel multidimensional framework linking agility across firm, network, and institutional levels to SDGs, addressing underexplored Indonesia-specific challenges and proposing actionable policy interventions for green MSME empowerment.
A sandbox regulatory framework for bullion integration in the decentralised digital finance (DeFi) ecosystem Fitriyah, Aidatul; Napitupulu, Beckham
Journal of Entrepreneurial Economics Vol. 3 No. 1: February (2026)
Publisher : Institute for Advanced Science, Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/jane.v3i1.2026.3397

Abstract

Background: This research addresses regulatory friction and systemic risks arising from the integration of tokenised bullion into the Decentralised Finance (DeFi) ecosystem, focusing on how to balance investor protection with continued innovation. It outlines the context of DeFi’s permissionless architecture, the sensitivity of bullion as a high value asset class, and the resulting challenges for regulatory certainty and market integrity. Methods: The study employs an analytical and conceptual approach based on a comprehensive literature review and the examination of international regulatory frameworks, including IOSCO principles and FATF recommendations. It develops an adaptive regulatory model by comparing existing rules on securities, commodities, and virtual assets with the specific risk profile of tokenised bullion in DeFi. Findings: The analysis identifies core conflicts between DeFi’s borderless, permissionless protocols and jurisdiction bound AML/KYC requirements, as well as single point of failure risks arising from custodial bullion structures. To address these conflicts, the paper proposes a DeFi Bullion Specific Regulatory Sandbox Framework grounded in technology neutral and risk based principles, which embeds regulatory KPIs, capital adequacy thresholds, and RegTech enabled real time monitoring. Conclusion: The results indicate that the proposed sandbox model offers a viable pathway to mitigate systemic risk and enhance regulatory certainty by enforcing compliance at critical on chain and off chain interaction points, particularly physical redemption of bullion. The framework strengthens investor protection while preserving space for innovation in tokenised bullion markets. Novelty/Originality of this article: This research delivers a comprehensive and actionable regulatory blueprint tailored to tokenised bullion in DeFi, explicitly addressing jurisdictional arbitrage and dual asset integrity issues. Its original contributions include defining technical prerequisites for embedding AML compliance into DAO governance and outlining a cross border mandatory liquidation protocol as a theoretical roadmap for regulators and industry stakeholders.
Green pawn financing for MSMEs as an ESG-oriented transformation of pawnshop Apriansyah, Muhammad Rifky; Amimah, Ahadina Hanifati; Prabowo, Aubry Fairuza Akifa
Journal of Entrepreneurial Economics Vol. 3 No. 1: February (2026)
Publisher : Institute for Advanced Science, Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/jane.v3i1.2026.3424

Abstract

Background: The transformation of the national financial sector following the implementation of Law No. 4/2023 and its derivative regulations, marks a new phase in strengthening the institutional role of Pegadaian as a key actor in microfinance in Indonesia. In the context of sustainability and ESG (Environmental, Social, and Governance), there is no pawn-based microfinance scheme that proactively targets green MSMEs, even though the potential and demand for green financial products continue to increase. Methods: This article aims to analyze the institutional feasibility and concept of Green Pawn Financing, which is a pawn financing scheme based on ESG principles, while identifying the potential and challenges of its implementation. This study uses a descriptive-analytical approach with a normative institutional review. Institutional innovation theory, sustainable regulatory frameworks, and green financial inclusion literature are used as the basis for analysis. Findings: The results of the study show that Pegadaian already has an adequate initial foundation through gold savings, electric vehicle loans, and a corporate ESG roadmap. However, the integration of ESG into pawn services is not yet systemic and does not explicitly target green MSMEs. This creates a strategic gap that "Green Pawn Financing" can fill by bridging national climate targets with micro-level operational realities within a conducive regulatory framework. Conclusion: The Green Pawn Financing concept offered includes interest and loan tenor incentives, light environmental audits based on emissions calculations, and the potential development of carbon pawn and sustainability certificate-based collateral. Regulatory-wise, this scheme is compatible with the national sustainability framework and has the potential to support green financing targets. Novelty/Originality of this article: This article contributes to positioning Green Pawn Financing as an instrument for domestic commodity-based (gold) micro green finance transition, which not only expands financial inclusion but also increases public trust in Pegadaian as a sustainable financial institution.
Asset based revenue driven digital incubation (ARDI) for MSME financing: A scenario-based simulation of pawn based lending at pawnshop Pradipta, Muhammad Raffi Aditya; Faradina, Nabila Farah
Journal of Entrepreneurial Economics Vol. 3 No. 1: February (2026)
Publisher : Institute for Advanced Science, Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/jane.v3i1.2026.3428

Abstract

Background: Pawn-based financing has played a critical role in improving MSME liquidity access in Indonesia, particularly through Pegadaian. However, its function remains largely transactional, positioning Pegadaian primarily as a short-term liquidity provider rather than a growth-oriented financing engine. This structural limitation constrains MSME business continuity, performance development, and long-term financial inclusion. Methods: This study proposes Asset Based Revenue Driven Digital Incubation (ARDI) as a reconfiguration of pawn-based MSME financing that integrates asset-based access, revenue-linked repayment, and digital performance monitoring. Using a scenario-based simulation approach, the study evaluates MSME-level, institutional-level, and system-level outcomes under a baseline pawn-based financing configuration and an ARDI scenario. Simulation parameters are derived from literature-consistent risk adjustments and institutional data patterns. Findings: At the MSME level, ARDI improves revenue performance, business survival probability, and financing continuity by aligning repayment obligations with cash-flow capacity. At the institutional level, Pegadaian experiences lower non-performing pawn ratios and reduced loss severity, indicating enhanced portfolio stability. When aggregated at the system level, these improvements translate into stronger financial inclusion, improved MSME bankability, and increased efficiency through digital integration, suggesting a reduced constraint on sustainable MSME financing capacity. Conclusion: The results demonstrate that the limitations of pawn-based MSME financing are not rooted in access constraints, but in the absence of performance linkage, adaptive repayment mechanisms, and data-driven monitoring. ARDI addresses these gaps by transforming pawn-based financing from a liquidity instrument into a structured incubation pathway that supports MSME development while maintaining institutional prudence. Novelty/Originality of this article: This study introduces ARDI as a novel framework that bridges asset-based lending and revenue-driven incubation within a pawn-based institutional context, offering a scalable and policy-relevant pathway to strengthen MSME financing ecosystems.

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