Journal of Entrepreneurial Economics
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.
Articles
35 Documents
<![CDATA[Digitalization of gold pawn services: Customer satisfaction and innovation challenges analyzed using Indonesian bidirectional encoder representations from transformers ]]>
<![CDATA[Rahman Erama]]>;
<![CDATA[Ansar Sahabi]]>;
<![CDATA[Silvy Windha Mediaswari]]>
<![CDATA[ Journal of Entrepreneurial Economics Vol. 3 No. 2: August (2026) ]]>
Publisher : <![CDATA[Institute for Advanced Science, Social, and Sustainable Future ]]>
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DOI: 10.61511/jane.v3i2.2026.3399
<![CDATA[Background: The rapid digitalization of financial services has transformed customer interaction patterns, making user reviews a critical source for evaluating service quality. In digital gold pawn services, understanding customer sentiment is essential for sustainable digital transformation. While deep learning models often outperform conventional methods, their application in the Indonesian gold pawn sector remains limited. This study analyzes user sentiment toward the Tring! by Pegadaian application and evaluates a Transformer-based model's effectiveness in capturing customer satisfaction and complaints. Methods: This research employed a quantitative experimental approach using 21,413 Google Play Store reviews. Classification was performed using a pre-trained IndoBERT (indobert-base-p1) model, fine-tuned over three epochs with class weighting to address severe data imbalance. Performance was evaluated using accuracy, precision, recall, F1-score, and confusion matrix analysis. Findings: The results demonstrate that the model achieved an accuracy of 86.36% and a weighted F1-score of 0.8840. A recall of 79.46% for the negative sentiment class confirms the model’s capability to effectively detect customer complaints. Analysis revealed a dominance of positive sentiment related to ease of use and transaction speed, while negative sentiment highlighted issues regarding system stability and cost transparency. These findings show that Transformer architectures effectively capture semantic nuances in informal Indonesian text. Conclusion: IndoBERT-based sentiment analysis provides a reliable framework for evaluating digital gold pawn services. By achieving high accuracy and recall, the model effectively transforms unstructured feedback into actionable insights, supporting data-driven decision-making for service optimization in financial institutions. Novelty/Originality: This research applies a class-weighted IndoBERT model to a large-scale Indonesian gold pawn dataset, addressing severe class imbalance inherent in financial apps. It positions sentiment analysis as a real-time early warning system (EWS) for state-owned enterprises (BUMN) to monitor digital transformation challenges and maintain competitive advantages in the fintech landscape.]]>
<![CDATA[An AI-enabled strategy artefact for digital gold ecosystems: A design science study ]]>
<![CDATA[Jose Segitya Hutabarat]]>;
<![CDATA[Valeri Timoti Hamise]]>
<![CDATA[ Journal of Entrepreneurial Economics Vol. 3 No. 2: August (2026) ]]>
Publisher : <![CDATA[Institute for Advanced Science, Social, and Sustainable Future ]]>
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DOI: 10.61511/jane.v3i2.2026.3401
<![CDATA[Background: Digital financial ecosystems generate high-volume, heterogeneous, and fast-moving behavioral data, yet many firms still lack a coherent strategic mechanism for converting these signals into timely, governable, and value-creating decisions. This study aimed to design and evaluate an artificial intelligence-enabled strategy artifact for digital gold ecosystems that operationalize algorithmic sensing, seizing, and reconfiguring to support customer engagement prediction, product uptake orchestration, and repayment risk anticipation. Methods: The study employed Design Science Research and proceeded through iterative problem identification, artifact specification, architecture development, proof-of-concept demonstration, and performance evaluation. A multimodal data configuration combining transaction-like records, behavioral event sequences, complaint-text signals, and market context variables was used to test the artifact under realistic digital ecosystem conditions. Findings: The findings showed that the artifact produced an integrated decision architecture with stronger predictive, strategic, and governance capabilities than conventional isolated models and rule-based approaches. Conclusion:In conclusion, the artifact provides transferable design knowledge for digital financial strategy. Policy recommendations include strengthening data governance, explainability, fairness auditing, and institutional readiness for responsible artificial intelligence deployment. Novelty/Originality of this article: Its novelty lies in translating dynamic capabilities into algorithmic routines embedded in a governable strategic system rather than a standalone predictive model.]]>
<![CDATA[The role of pawnshops service digitalization through the Tring application in increasing financial inclusion for generation Z in the digital economy era ]]>
<![CDATA[Zanuba Ainindya El Fanani]]>
<![CDATA[ Journal of Entrepreneurial Economics Vol. 3 No. 2: August (2026) ]]>
Publisher : <![CDATA[Institute for Advanced Science, Social, and Sustainable Future ]]>
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DOI: 10.61511/jane.v3i2.2026.3552
<![CDATA[Background: The financial industry has been making significant investments in financial technology, especially in developing countries such as Indonesia, to achieve national financial inclusion goals. PT Pegadaian has responded to this transformation by digitizing its services through the launch of the Tring application, which resulted from the transformation of the Pegadaian Digital Service. This study aims to analyze the role of Pegadaian’s service digitalization through the Tring application in promoting financial inclusion among Generation Z in the era of the digital economy. Methods: The research method used is descriptive qualitative, with data collected through interviews, observations, and documentation involving employees and Generation Z customers who use the Tring by Pegadaian application. Findings: This study found that the digitalization of services through the Tring application plays a significant role in increasing ease of access, transaction efficiency, and Generation Z’s trust in formal financial products at Pegadaian. Conclusion: These findings also indicate that the use of the Tring application is driving an increase in the number of Generation Z users and strengthening PT Pegadaian’s role in supporting national financial inclusion through more adaptive and accessible digital services. However, challenges remain, including gaps in digital financial literacy, limited educational features, and a lack of understanding of data security. This study recommends implementing a hybrid service strategy that integrates online and offline systems to expand financial inclusion. Novelty/Originality of this article: This study provides new insights into non-bank digital financial inclusion by specifically analyzing how the transformation of a traditional microfinance institution into a dedicated mobile app (Tring by Pegadaian) affects financial access, trust, and adoption behavior among Generation Z in the context of a rapidly evolving digital economy.]]>
<![CDATA[Pegadaian’s digital innovation: Implementation of the Tring! app as an extension of digital pegadaian ]]>
<![CDATA[Azka Syifaul Maula]]>;
<![CDATA[Muhammad Irfan Arifai]]>;
<![CDATA[Raha Bahari]]>;
<![CDATA[Aliyyah Azzah Sabina]]>
<![CDATA[ Journal of Entrepreneurial Economics Vol. 3 No. 2: August (2026) ]]>
Publisher : <![CDATA[Institute for Advanced Science, Social, and Sustainable Future ]]>
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DOI: 10.61511/jane.v3i2.2026.3641
<![CDATA[Background: This study focuses on Pegadaian’s digital innovation through the implementation of the Tring! app as an extension of Pegadaian’s digital services. Digital transformation in the financial industry is a key factor in improving efficiency, accessibility, and the customer experience. The Tring! app serves as an innovative solution to facilitate digital pawn transactions including the pawn process, payments, and asset monitoring in a faster and more transparent manner, while also demonstrating the intrapreneurial capabilities of a state owned institution responding to digital disruption. Methods: This study employs a descriptive qualitative approach, focusing on the analysis of the implementation of digital innovations in the Tring! app. Data were collected through a comprehensive literature review, direct observation of app usage, and in-depth interviews with relevant officials at Pegadaian. Findings: The research findings indicate that digital innovations in the Tring! app have successfully improved service accessibility, streamlined the pawn process, and provided interactive features that enhance the user experience. The app also promotes the comprehensive digitization of Pegadaian transactions, reduces reliance on in-person services, and strengthens digital financial inclusion for MSME operators. Conclusion: The implementation of the Tring! app is an example of a successful digital transformation in the traditional financial services sector, integrating the spirit of corporate entrepreneurship (intrapreneurship) into the state-owned enterprise ecosystem. The long-term success of this transformation requires support for digital literacy, user guidance, and synergy between digital and conventional services. Novelty/Originality of this article: This study provides new empirical evidence on how Pegadaian, as a state-owned financial institution, leverages the Tring! app to integrate intrapreneurship into its digital transformation strategy, specifically in advancing pawn digitalization, financial inclusion, and MSME empowerment in Indonesia, an area not previously examined in existing literature.]]>
<![CDATA[The influence of hedonic shopping motivation on online shopping addiction: A study of the mediating role of exposure to marketing stimuli ]]>
<![CDATA[Adika Yudhistira]]>;
<![CDATA[Nissa Ghulma Ratnasari]]>
<![CDATA[ Journal of Entrepreneurial Economics Vol. 3 No. 2: August (2026) ]]>
Publisher : <![CDATA[Institute for Advanced Science, Social, and Sustainable Future ]]>
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DOI: 10.61511/jane.v3i2.2026.3749
<![CDATA[Background: The rapid growth of e-commerce has increased online shopping in Indonesia, but excessive shopping may develop into online shopping addiction (OSA). Previous research has mainly examined OSA from psychological perspectives, while the roles of hedonic shopping motivation, marketing stimuli, and shopping frequency remain less integrated. This study examines the effect of hedonic shopping motivation on OSA and the mediating roles of exposure to marketing stimuli and online shopping frequency based on Uses and Gratifications Theory. Methods: A cross-sectional survey was conducted among adult online consumers residing on Java, Indonesia. Of 223 responses collected through an online questionnaire, 160 valid responses remained after data cleaning. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 and 5,000 bootstrap subsamples. Findings: Hedonic shopping motivation significantly and positively affected OSA. Exposure to marketing stimuli significantly mediated this relationship, as did online shopping frequency. However, sequential mediation through exposure to marketing stimuli and online shopping frequency was not significant. Conclusion: Hedonic shopping motivation contributes to OSA directly and through marketing exposure and shopping frequency. The findings highlight the importance of considering both internal motivations and external marketing stimuli in understanding problematic online shopping behavior. Novelty/Originality of this article: This study integrates hedonic shopping motivation, marketing stimuli, and online shopping frequency into a mediation model of OSA within the Uses and Gratifications Theory framework among adult online consumers in Java, Indonesia.]]>
