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INDONESIA
International Journal of Business Accounting Management Social Science
Published by Manajemen Multitalenta Indonesia
ISSN : -     EISSN : 31092284     DOI : https://doi.org/10.64530/ijbams
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
The journal publishes research papers in the fields of Management, Risk Management, Marketing, Finance, Economics, Banking, Accounting, Islamic Economics, Islamic Banking, Islamic Finance, Human Resources Management, International Business, Entrepreneurship, Business Ethics, International Relations, Development Studies, Communication, Journalism and Mass Communication, Corporate Governance, Cross-Cultural Studies, Public Administration, Women Studies, Education and base on the scope who related to the Economics and Management studies.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 28 Documents
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Digital Economic Growth and MSME Development in East Java: A Systematic Literature Review Anwar, Lukman Hakim
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 1 No. 3 (2025): December
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v1i3.42

Abstract

This study systematically reviews the existing body of knowledge on digital economic growth among Micro, Small, and Medium Enterprises (MSMEs) in East Java, Indonesia. Using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines, the review synthesizes empirical evidence from 20 peer-reviewed publications retrieved from Scopus, Web of Science, and Google Scholar published between 2018 and 2024. The analysis focuses on key drivers of digital transformation, including digital literacy, technology adoption, government facilitation, access to digital finance, and platform-based market integration. Findings show that digitalization significantly enhances MSME productivity, market expansion, operational efficiency, and resilience—especially during disruptive periods such as the COVID-19 pandemic. However, growth remains uneven due to gaps in digital skills, limited infrastructure in rural areas, and inconsistent policy implementation. The review also identifies an emerging shift toward the use of e-commerce ecosystems, fintech services, and social-commerce platforms as catalysts for MSME competitiveness in East Java. A conceptual framework is proposed to explain the pathways through which digital capabilities influence economic performance. This review concludes that strengthening digital capacities, inclusive policies, and technological ecosystem support is essential to accelerating MSME-driven digital economic growth in the region.
Understanding Customer Satisfaction Through Aspect-Based Sentiment Analysis in The Aku Cinta Indonesia App Sopyan, Sopyan; Dewantara, Rizki Yudhi
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 2 No. 1 (2026): April
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v2i1.46

Abstract

Understanding customer satisfaction is essential for digital service providers operating in highly competitive markets, particularly in the online transportation sector, as numerical ratings alone are often insufficient to capture the complexity of user experiences expressed in textual reviews. This study employs Aspect-Based Sentiment Analysis (ABSA) to obtain a more granular understanding of customer satisfaction based on user reviews of the Aku Cinta Indonesia (ACI) application collected from the Google Play Store. Five key service aspects are examined, namely User Experience, Payment, Service, Promo and Benefit, and Security and Access. To support the analysis, two sentiment classification approaches, Naive Bayes and IndoBERT, are utilized to evaluate sentiment polarity at the aspect level. The results indicate that User Experience, Payment, and Service are the most influential aspects shaping customer satisfaction, as they consistently appear in both positive and negative reviews. While both models demonstrate reliable performance, IndoBERT achieves higher classification accuracy at 82% compared to Naive Bayes at 77%, indicating a stronger ability to capture contextual nuances in Indonesian user generated content. From a business perspective, these findings highlight how ABSA transforms unstructured customer feedback into actionable insights that enable service providers to identify critical improvement areas, prioritize service quality enhancements, and strengthen customer satisfaction strategies. This study demonstrates the value of ABSA as a business analytics tool that supports data driven decision making and enhances competitiveness in the digital transportation service market.
Identifying Customer Satisfaction through Negative Sentiment Analysis using Support Vector Machine in the JIWA+ App Maulana, Muhammad Faqih; Dewantara, Rizki Yudhi
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 2 No. 1 (2026): April
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v2i1.47

Abstract

The rapid growth of mobile commerce has positioned mobile applications as critical touchpoints influencing customer satisfaction and business performance. This study aims to identify customer satisfaction patterns by analyzing negative user reviews of the JIWA+ mobile application using the Support Vector Machine (SVM) algorithm. A total of 1,025 reviews collected from the Google Play Store during the period 2022–2025 were processed through text preprocessing, TF-IDF feature extraction, and sentiment classification into positive, neutral, and negative categories. The SVM model achieved an overall accuracy of 0.746, demonstrating reliable capability in classifying sentiment polarity, particularly in detecting negative reviews. The findings indicate that 35.7% of reviews reflect negative sentiment, highlighting significant dissatisfaction among users. The dominant complaint themes include transaction failures (“pesan”), feature usability issues (“pakai”), and discrepancies between digital information and outlet conditions (“gerai”). These issues primarily relate to system reliability, payment functionality, and digital–offline integration. From a business management perspective, this study positions sentiment analysis as a strategic analytical tool that transforms unstructured customer feedback into actionable managerial insights. The results contribute to the literature on mobile applications, sentiment analysis, and customer satisfaction by demonstrating how machine learning–based approaches can support data-driven decision-making in enhancing digital service performance and sustaining competitive advantage.
Political Economy of Indonesia’s Free Nutritious Meal Policy: Governance and Institutional Analysis Amirudin, Cik Ida Kumalasari; Hermawan, Romy
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 2 No. 1 (2026): April
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v2i1.48

Abstract

This study examines the political economy of Indonesia’s Free Nutritious Meal (FNM) policy under President Prabowo Subianto, focusing on governance arrangements and institutional capacity in managing large-scale public expenditure. The research problem addresses how fiscal allocation, institutional coordination, and policy legitimacy interact in the formulation and implementation of the FNM program. Using a qualitative case study design, this research analyzes official government documents, budget reports, regulatory frameworks, and secondary academic sources published between 2023 and 2025. Descriptive fiscal analysis indicates that the projected annual allocation for the program accounts for a significant proportion of the national social expenditure budget, exceeding IDR 400 trillion in initial policy projections (Ministry of Finance, 2024). Findings reveal three key results. First, the policy reflects distributive political priorities embedded in the national budgeting process. Second, institutional readiness varies across implementing agencies, indicating coordination challenges between central and local governments. Third, public support for the program is strongly associated with welfare framing and food security narratives. The study concludes that the FNM policy represents not only a social welfare intervention but also a strategic fiscal instrument shaped by political-economic considerations. Its long-term sustainability depends on institutional capacity, fiscal discipline, and transparent governance mechanisms.
The Political Network Governance of Indonesia's Low-Carbon Transition: A CIMO-Based Review Alamsyah, Fajar; Hermawan, Romy
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 2 No. 1 (2026): April
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v2i1.49

Abstract

Despite international climate commitments, Indonesia's low-carbon policy implementation faces barriers stemming from state-business nexuses. This study analyzes actor networks impeding green economy governance. Employing a Systematic Literature Review (SLR) integrated with the CIMO (Context-Intervention-Mechanism-Outcome) framework, 16 studies were synthesized using NVivo. Results reveal a fragmented state apparatus contrasting with dominant fossil fuel interests entrenched in patronage networks. Quantitative data indicates significant power asymmetries, with 36.8 million hectares allocated to corporations versus 3.1 million hectares to communities. Regulatory capture is evident, exemplified by the 0% royalty clause in the Omnibus Law. Consequently, implementation gaps persist; although presidential commitments aim to reduce coal, 14 GW of new coal capacity was ratified until 2030. Distributive injustices are severe, with an estimated 6,500–15,700 annual premature deaths due to coal emissions. The system exhibits carbon lock-in, projecting coal dominance until 2050. The study concludes that green regulatory stagnation results from historically constituted state-business power configurations rather than technical incapacity. Addressing informal ties between state elites and business interests is crucial. Recommendations include transparent governance designs to minimize fossil fuel dominance and accelerate progress toward the 2060 Net Zero Emission target.
Enhancing Retail Brand Image: A Qualitative Study of Consumer Perception and Return Policy Implementation at PT Sumber Alfaria Trijaya Tbk Bogor Branch Rahmawati, Destia
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 2 No. 1 (2026): April
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v2i1.50

Abstract

The rapid development of the retail industry has intensified competition among companies in delivering high-quality services to consumers. One important aspect of service quality in the retail sector is the implementation of return policies that guarantee consumer rights when products do not meet expectations. Return policies are considered an essential part of after-sales service because they reduce consumer risk and increase trust in the company. This study aims to analyze consumer perceptions and the implementation of return policies in shaping the brand image of PT Sumber Alfaria Trijaya Tbk Bogor Branch. This research employs a qualitative approach with a case study method. Data were collected through interviews, observations, and documentation involving employees responsible for managing return processes. The results indicate that consumer perceptions toward return policies are influenced by the clarity of procedures, ease of the return process, and employee professionalism in handling consumer complaints. Furthermore, the effective implementation of return policies contributes positively to strengthening brand image and increasing consumer trust toward the company. Therefore, return policies not only function as operational procedures but also as strategic tools in improving customer satisfaction and maintaining company reputation in the retail industry. 
Hedonistic Lifestyle, Self-Control, and E-Wallet Use in Relation to Student Financial Management in Malang Hatyani, Meidilla R; Anggraini, Rheni
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 2 No. 1 (2026): April
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v2i1.54

Abstract

College students' financial behavior has been influenced by advances in digital financial technology, particularly regarding personal financial management. Maintaining financial stability for college students has become challenging due to the ease of access to e-wallet transactions, variations in self-control, and lifestyle preferences. The purpose of this study was to examine how self-control, e-wallet use, and a hedonistic lifestyle influence college students' financial management in Malang City. This study combined an explanatory strategy with a quantitative approach. Purposive sampling was used to collect primary data from 160 college students in Malang City who use e-wallets. Multiple linear regression was used to analyze the data. The results showed that self-control and e-wallet use had a significant impact on college students' financial management, while a hedonistic lifestyle had no effect. These results suggest that self-control and wise e-wallet use have a greater impact on college students' financial management compared to hedonistic lifestyle choices.
Exploring Personal Financial Management Behaviour Among Generation Z in the Digital Financial Ecosystem : A Qualitative Study Pahlevie, Ghama Haritz
IJBAMS: International Journal of Business Accounting Management Social Science Vol. 2 No. 1 (2026): April
Publisher : Manajemen Multitalenta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64530/ijbams.v2i1.55

Abstract

This research examines the financial management practices of Generation Z in the context of the digital financial age. The quick rise of financial technology has changed how people handle money. It has made things easier, but it has also made things harder for some people. We used a qualitative phenomenological technique to learn about people's lived experiences. We acquired data by doing in-depth interviews with ten people between the ages of 18 and 25 who regularly use digital financial services. The data were looked at utilizing theme analysis. The results show that technology, lifestyle, financial knowledge, and psychological factors like Fear of Missing Out (FoMO) and self-efficacy all affect how people handle their money. Fintech makes things easier to get at, but it also makes people spend money quickly and think about their finances in the short term. Limited financial literacy exacerbates inefficient financial decision-making. This study emphasizes the necessity of enhancing financial literacy and advocating for the proper utilization of financial technologies to facilitate improved financial management within Generation Z.

Page 3 of 3 | Total Record : 28

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