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International Journal Business, Management and Innovation Review
Published by Universitas Veteran Bangun Nusantara
ISSN : 30466423     EISSN : 30465605     DOI : 10.62951
Core Subject : Science, Social,
Decision Sciences, Operations Research & Management Social Sciences
Topics in this Journal relate to any aspect of management, but are not limited to the following topics: Human Resource Management, Financial Management, Marketing Management, Public Sector Management, Operations Management, Supply Chain Management, Corporate Governance, Business Ethics, Management Accounting and Capital Markets and Investment
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Perilaku Organisasi dan Menejemen Sumber Daya Manusia
Articles 65 Documents
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Performance Evaluation of Financial Management by the City Government of Tegal, Indonesia During the COVID-19 Pandemic Period Pulung Adiluhung Putro; Vicky Oktavia; Ana Kadarningsih; Linda Ayu Oktoriza
International Journal Business, Management and Innovation Review Vol. 2 No. 2 (2025): : International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i2.150

Abstract

This study aims to analyze the effectiveness of public sector financial management using five financial ratios and measure changes in Tegal City's Regional Budget (APBD) from 2020 to 2023. The research method uses a quantitative descriptive approach with secondary data from Tegal City's Budget Realization Reports. The results show the best Effectiveness Ratio occurred in 2021-2023 (81-90%), the highest Independence Ratio was in 2020 (77%), the most optimal Efficiency Ratio was in 2020 (7%), the best Degree of Decentralization Ratio was in 2022-2023 (31%), and the highest PAD Growth Ratio was in 2021-2023 (83-105%). Overall, Tegal City's financial performance from 2020-2023 showed positive trends in effectiveness and PAD growth, but requires improvements in efficiency and fiscal independence. The study provides recommendations for the Tegal City Government to optimize regional financial management through improved budget efficiency and reduced dependence on central government funds.
How Do Perceived Risk, Financial Transparency, and Platform Reputation Drive Investment Decision in Equity Crowdfunding in Indonesia? Khanza Monica Salsabila; Dian Prawitasari; Herry Subagyo; Suhita Whini Setyahuni
International Journal Business, Management and Innovation Review Vol. 2 No. 2 (2025): : International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i2.153

Abstract

With the growing popularity of equity crowdfunding as a business financing alternative, it is very important to understand the factors that are able to influence investment decisions.  This study aims to analyze the effect of perceived risk, financial transparency and platform reputation on investment decisions in equity crowdfunding in Indonesia. Using a quantitative approach and a purposive sampling technique, a total of 127 equity crowdfunding investors were surveyed. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of SmartPLS software. The results show that the three variables examined in this study, namely perceived risk, financial transparency, and platform reputation show a positive and significant influence on investment decisions. The findings can help equity crowdfunding platforms build trust and attract more investors by addressing concerns related to risk, transparency, and reputation. In turn, this contributes to broader financial inclusion, improved MSME access to funding, and the sustainable development of Indonesia’s digital financial ecosystem.
The Influence of Entrepreneurship Education and Self-Efficacy on Students' Entrepreneurial Interest : A Case Study on Students of Tunas Pembangunan University of Surakarta Nabilla Aisyah Nori; Supartini Supartini; Syahriar Abdullah
International Journal Business, Management and Innovation Review Vol. 2 No. 3 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i3.157

Abstract

Entrepreneurship plays a significant role in driving the Indonesian economy. However, the main challenge in the country is the relatively low number of entrepreneurs. To foster an interest in entrepreneurship and enable individuals to successfully manage their businesses, a variety of factors must encourage aspiring entrepreneurs. Therefore, this study seeks to explore the impact of: (1) Entrepreneurship Education; and (2) Self-efficacy to students' entrepreneurial interests at Tunas Pembangunan University Surakarta. This study refers to the findings of Fan, et.al., (2024) and Rahmadani, et.al., (2023). Using a quantitative approach, the data analysis will use multiple linear regression techniques with SPSS version 25 as the analysis tool. Primary data for this study were collected through an online questionnaire distributed through Google From, using the purposive sampling method. This research was conducted at Tunas Pembangunan University of Surakarta, with a sample of 140 students of Tunas Pembangunan Surakarta University with the criteria of having taken entrepreneurship courses, participating in programs related to entrepreneurship or owning a business and running a business. The findings of this study show that, according to the T-test, entrepreneurship education and self-efficacy partially influence entrepreneurial interest. Furthermore, the F-test revealed that these two variables collectively affect entrepreneurial interest. In addition, the R2 determination coefficient test showed an Adjusted R Square value of 66.4%, which showed that the remaining 33.6% was influenced by other variables that were not studied in this study.
Analysis of Gen Z Students' Perceptions of the Use of Digital Payment and Its Impact on Customer Satisfaction Dellya Dievha Paramytha; Pradana Jati Kusuma; Ana Kadarningsih; Diana Puspitasari
International Journal Business, Management and Innovation Review Vol. 2 No. 3 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i3.154

Abstract

This study aims to analyze the influence of perceived ease, trust, and benefits on the interest in using digital payments and their impact on customer satisfaction among Generation Z students. The focus of this study is to explore the relationship between these factors and how they affect digital transaction behavior and user satisfaction levels. Using a quantitative approach, data were collected from 185 Generation Z student respondents through purposive sampling techniques and distributed using questionnaires. The analysis was carried out using the Structural Equation Modeling-Partial Least Square (SEM-PLS) approach using Smart PLS4 software. The results showed that perceived ease, trust, and benefits had a positive and significant effect on customer satisfaction. In addition, the use of digital payments also had a direct positive effect on satisfaction, but did not act as a mediating variable in the relationship between user perceptions and satisfaction. These findings indicate that perceptions of service quality have a greater influence on satisfaction than frequency of use. This study provides theoretical and practical contributions in understanding the behavior of digital payment users among Gen Z students.
Financial Management Strategy for Micro, Small and Medium Enterprises Post-Pandemic: A Qualitative Approach Based on Interviews with MSME Actors Saman, Saman
International Journal Business, Management and Innovation Review Vol. 2 No. 3 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i3.159

Abstract

This study investigates the financial management mechanisms of micro, small and medium business entities in the context of the post-COVID-19 pandemic era that has catalyzed a fundamental metamorphosis in the financial governance of the sector. The objective of the research is to identify and analyze the strategic modifications developed by MSME practitioners in confronting economic challenges after the global health crisis. A qualitative methodology with a semi-structured comprehensive interview approach was implemented on 18 MSME practitioners from various sectors who experienced significant impacts during the pandemic period. The thematic analysis reveals five key dimensions of transformation: adaptation of systematic financial administration, implementation of digital technologies in financial management, structural and operational barriers, the role of external support, and long-term sustainability implications. The findings indicate that MSME practitioners have undergone a paradigmatic evolution from traditional financial management to a technology-integrated framework with digital documentation systems, business-individual account segregation, and proactive cash flow control. External interventions have proven to be effective when integrating financial assistance with technical mentoring. This research contributes to the development of MSME financial management literature by presenting a holistic perspective on adaptation strategies in dealing with economic uncertainty.
Analysis of Employee Performance Determinants: The Role of Work Life Balance, Work Family Conflict, and Work Motivation Fatmasari Endayani; Ernita Dian Puspasari; Saman Saman
International Journal Business, Management and Innovation Review Vol. 2 No. 4 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i4.160

Abstract

This study analyzes the determinants of employee performance through an investigation of the influence of work life balance, work family conflict, and work motivation in contemporary organizational contexts. A quantitative approach with a descriptive-verifiable design was applied to 100 permanent employee respondents who were selected using purposive sampling techniques. The research instrument in the form of a structured questionnaire with a five-point Likert scale has passed an adequate validity and reliability test. Data analysis used multiple linear regression techniques with the help of SPSS to test the research hypothesis. The results of the analysis showed that work motivation had a significant positive effect on employee performance (β=0.629; p<0.001), while work life balance showed a positive but insignificant effect (β=0.198; p=0.056), and work family conflict showed a negative influence that was not significant (β=-0.012; p=0.888). Simultaneously, the three independent variables explained 55.7% of the variance in employee performance (Adjusted R²=0.557). The findings confirm the dominance of motivational factors in shaping optimal employee performance. The practical implications emphasize the need for organizations to develop strategies to increase work motivation through a comprehensive reward system and the creation of a conducive work environment to support the achievement of sustainable performance.
The Influence of Price Perception, Store Atmosphere, and Customer Experience on the Purchase Decision of Mixue Drinks on Jalan Sisingamangaraja, Medan Amplas Ramadhan Lugu; Rukmini Rukmini; Toni Hidayat; Melissa Zuraini Hasibuan; Muhammad Rizaldy Wibowo
International Journal Business, Management and Innovation Review Vol. 2 No. 4 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i4.166

Abstract

This research aimed to examine the influence of price perception, store atmosphere, and customer experience on purchasing decisions for Mixue drinks on Jalan Sisingamangaraja Medan Amplas. The population consisted of Mixue customers in the area, with 85 respondents selected using random sampling based on the Slovin formula. Data were analyzed using multiple linear regression with SPSS 25.0. The regression equation derived from the analysis was Y = 5.836 + 0.144 X1 + 0.130 X2 + 0.473 X3 + e, where X1 is price perception, X2 is store atmosphere, and X3 is customer experience. The F value of 5.836 exceeds the F table value of 2.716, indicating that these three variables collectively influence purchasing decisions. Individually, price perception (X1 = 2.288), store atmosphere (X2 = 2.820), and customer experience (X3 = 2.778) all had significant effects, as their t values were greater than the t table value of 1.664. The coefficient of determination (R2) value of 0.570 shows that these three factors together explain 57% of the variation in purchasing decisions for Mixue drinks.
Integration of Sustainable Accounting Principles in Local Economy-Based MSMEs in North Medan Adi Harianto
International Journal Business, Management and Innovation Review Vol. 2 No. 4 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i4.168

Abstract

The aim of this research is to explore how sustainable accounting principles are integrated into local economy-based MSMEs (Micro, Small, and Medium Enterprises) in North Medan. Sustainable accounting is increasingly recognized as a vital component for ensuring that businesses adopt environmentally responsible practices and contribute to long-term economic sustainability. This study will examine how MSMEs in North Medan implement sustainable accounting principles in their operations and the effects these practices have on their financial and environmental outcomes. Using a quantitative approach, this study will provide an in-depth and explanatory analysis of the integration process. Data will be collected through a structured survey questionnaire distributed to business owners, managers, and employees of MSMEs in North Medan. The study's population will consist of local MSMEs from various sectors in the region. A purposive sampling technique will be employed to select participants whose businesses have either adopted or are in the process of adopting sustainable accounting principles. The collected data will be analyzed using Smart PLS statistical tools to evaluate the relationships between the adoption of sustainable accounting principles and different business results, including financial performance, environmental impact, and operational efficiency. This research aims to offer a thorough understanding of the factors influencing the integration of sustainable accounting in MSMEs and its implications for local economic growth. Furthermore, the study will provide practical recommendations for MSME owners and managers on how to better incorporate sustainable accounting practices into their daily operations. The findings are anticipated to help in the development of more effective policies and strategies that encourage sustainable growth, enhance the competitiveness of MSMEs in North Medan, and offer valuable insights to policymakers and development agencies aiming to support local businesses in their shift toward more sustainable practices.
Financial Technology Strategies in Overcoming Financial Inequality and Improving Financial Access Mohamad Kohirudin; Thomas Soseco; Vika Annisa Qurrata; Etty Soesilowati
International Journal Business, Management and Innovation Review Vol. 2 No. 4 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i4.169

Abstract

This study analyzes the role of financial technology (fintech) strategies in addressing financial inequality and improving access to financial services in Indonesia. Fintech, through innovations like e-wallets, technology-driven lending, and micro-investments, plays a crucial role in promoting financial inclusion, especially for communities underserved by traditional banking systems. By leveraging digital platforms, fintech can offer affordable and accessible financial services to a broader segment of the population, particularly in rural or remote areas where conventional financial institutions have limited reach. The research employs a qualitative approach using a literature review of reports and publications from reputable sources, such as Bank Indonesia, the Financial Services Authority (OJK), and global fintech industry analyses from the past decade. The findings emphasize three key pillars for effectively reducing financial gaps: fostering collaboration between traditional financial institutions and fintech companies, enhancing financial and digital literacy, and strengthening regulatory frameworks and digital infrastructure. Through these strategies, fintech has the potential to drive economic growth, reduce poverty, and promote social welfare. The study concludes that fintech can be a catalyst for creating an inclusive, equitable, and sustainable financial system, thus contributing to Indonesia’s overall development and social well-being. These strategies align with broader efforts to build a more resilient and inclusive economy.
DuPont System Analysis in Measuring Financial Performance at PT Unilever Tbk During 2019–2023 Anna Valensia Christianty de Fretes
International Journal Business, Management and Innovation Review Vol. 2 No. 4 (2025): International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i4.170

Abstract

This research aims to analyze the financial performance of PT Unilever Tbk during 2019–2023 using the DuPont System method. The DuPont analysis decomposes Return on Equity (ROE) into three components: Net Profit Margin (NPM), Total Asset Turnover (TATO), and Equity Multiplier (EM). The study applies a descriptive quantitative approach with secondary data obtained from the company’s annual financial statements. Results show a consistent decline in all DuPont components, leading to a decrease in ROE throughout the period. The deterioration was driven by internal inefficiencies in asset utilization and cost management, as well as external pressures such as changing consumer behavior, rising competition from local FMCG producers, and geopolitical sentiment toward multinational brands. The findings indicate that PT Unilever’s financial performance falls below the industry standard, highlighting the need for improved operational efficiency, optimal capital structure, and strategic management adjustments to sustain competitiveness.

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