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Journal of Management and Business Innovation (JOMBINOV)
Published by CV. Vocezmi Learnov
ISSN : -     EISSN : 31236464     DOI : -
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
The Journal of Management and Business Innovation (JOMBINOV) is a scientific journal published by CV. Vocezmi Learnov. JOMBINOV focuses on the development of knowledge and professional practices in the field of management and business. This journal serves as a publication platform for academics, researchers, and practitioners to disseminate research, theoretical studies, and innovations relevant to modern business development. The scope of JOMBINOV includes modern management, business innovation, digital marketing, digital finance, e-commerce, human resource management, entrepreneurship, MSME development, and technologies that support business transformation. JOMBINOV employs a multidisciplinary approach to foster the advancement of science, technology, and management practices in the digital era. JOMBINOV uses double-blind peer review, is published four times a year (March, June, September, and December), and uses an open access system. Each article is checked with Mendeley and Turnitin to ensure originality and academic integrity. This journal accepts manuscripts in English and provides writing templates through its official website.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 29 Documents
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Determinants of Entrepreneurial Intention among Higher Education Students: The Role of Entrepreneurship Education, Social Environment, and Self-Efficacy Margaretha S. Kabanga; Janri D. Manafe; Tuti Setyorini
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 02, June 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i2.45

Abstract

This study aims to examine the determinants of entrepreneurial intention among higher education students by integrating entrepreneurship education, social environment, and self-efficacy within the Theory of Planned Behavior framework. A quantitative explanatory approach was employed using survey data collected from 231 final-year students at Kupang State Polytechnic. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to assess both measurement and structural models. This study extends the application of the Theory of Planned Behavior by empirically demonstrating the dominance of perceived behavioral control, represented by self-efficacy, over attitude and subjective norms in shaping entrepreneurial intention. It provides contextual evidence from an underexplored higher education setting, offering a more nuanced understanding of TPB components. The findings suggest that higher education institutions should prioritize experiential entrepreneurship learning to strengthen students’ self-efficacy, alongside fostering supportive social environments to enhance entrepreneurial intention. This study is limited by its cross-sectional design, single-institution sample, and reliance on self-reported data. Future research should adopt longitudinal approaches and incorporate broader contextual variables to improve generalizability.
Buy Now, Regret Later? Unpacking the Role of Risk Perception in the Nexus between PayLater Usage, Hedonic Lifestyle, and Consumptive Behavior among Generation Z in Lampung City Anita; Afrizal Afit
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 02, June 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i2.46

Abstract

This study aims to examine the influence of PayLater usage and hedonic lifestyle on consumptive behavior, with risk perception as a mediating variable among Generation Z in Lampung City. This research employs a quantitative approach using a survey method with 318 respondents selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. This study extends consumer behavior literature by integrating financial technology usage and psychological factors into a mediation model. It highlights the role of risk perception as a cognitive mechanism linking PayLater usage and hedonic lifestyle to consumptive behavior. The results reveal that PayLater usage and hedonic lifestyle significantly increase consumptive behavior, while risk perception negatively affects it. Risk perception partially mediates these relationships. The findings suggest the need for financial education and risk awareness programs to mitigate excessive consumption among Generation Z. This study is limited by its cross-sectional design and specific population context. Future research should consider longitudinal approaches and additional variables.
From Sensing to Responding: The Role of Digital Capability and Proactive Market Orientation in Enhancing SME Marketing Performance Novi Handayani; Neneng Yuyu Yunida Husniawati; Muhammad Angga Anggriawan
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 02, June 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i2.47

Abstract

This study aims to examine how market sensing capability and proactive market orientation influence SME marketing performance through customer responsiveness, and how digital capability moderates this relationship. Grounded in dynamic capability and market orientation theories, this research develops an integrative sensing-to-responding framework. A quantitative approach was employed using SEM-PLS on 337 SMEs in Tangerang, Indonesia. Data were collected through structured questionnaires and analyzed to test direct, mediating, and moderating effects. Theoretically, this study extends the integration of dynamic capability and market orientation literature by positioning customer responsiveness as a key mediating mechanism and digital capability as a boundary condition that strengthens performance outcomes. This offers a novel explanatory pathway for understanding SME marketing performance in dynamic environments. Practically, the findings highlight that SMEs should strengthen market sensing and proactive orientation capabilities while leveraging digital tools to enhance responsiveness and market performance. Policymakers are encouraged to support digital transformation initiatives that improve SME competitiveness. However, the cross-sectional design and geographic limitation reduce generalizability. Future research should adopt longitudinal approaches and explore additional contextual variables.
Marketing Strategy Analysis in Increasing the Decision to Become a Life Insurance Customer at PT. AIA Chandra Utama Agency Katarina; Yosefina K.I.D.D Dhae; Dominikus K.T Aman
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 02, June 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i2.48

Abstract

This study aims to analyze the marketing strategy implemented by PT. AIA Chandra Utama Agency and the supporting and inhibiting factors of the marketing strategy in increasing the decision to become a life insurance customer. This research uses a qualitative descriptive method. The informants consisted of 1 leader, 5 agents, 5 customers, and 5 non-customers, totaling 16 informants. Data collection techniques were conducted through interviews, observation, and documentation. Data analysis used an interactive model including data reduction, data presentation, and conclusion drawing. PT. AIA Chandra Utama Agency implements targeted marketing strategies through market segmentation, target market selection, and market positioning. The company also applies direct selling, earned media through social media, and point of purchase strategies through public events. The company applies the service marketing mix (7P) including product, price, place, promotion, people, process, and physical evidence. This research contributes to service marketing theory by strengthening understanding of marketing strategy implementation in the life insurance industry in Eastern Indonesia, an underexplored context. It expands the marketing mix concept in relation to customer decisions in the Eastern Indonesian cultural context. The findings provide input for companies to evaluate and improve marketing strategies, and serve as consideration for designing more effective strategies according to the characteristics of the Kupang City community. The research is limited to one agency in Kupang City using a qualitative approach, so results cannot be generalized. Future research could compare multiple insurance companies or use quantitative methods.
Evaluating the Impact of Capacity Building on Sustainability Adherence Among Tourism Enterprises in Kenya Ruth Kimaiga; Anthony Pepela
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 02, June 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i2.49

Abstract

This study investigates how capacity building enables tourism enterprises in Kenya to translate external sustainability pressures into firm-level sustainability practices. The research specifically examines the relationship between capacity-building interventions and sustainability adherence within the tourism sector in a developing-country context. The study employed a descriptive survey research design targeting 17,654 registered tourism enterprises in Kenya. A sample of 396 enterprises was selected using probability-proportional-to-size sampling. Data were analyzed using descriptive statistics and regression analysis. The research instrument demonstrated high reliability (Cronbach’s α = 0.908). Grounded in Institutional Theory and Dynamic Capabilities Theory, the study extends theoretical understanding by demonstrating that external institutional pressures alone are insufficient to ensure sustainability adherence without internal organizational capacity. The study also operationalizes Dynamic Capabilities Theory within the context of sustainable tourism in emerging economies. The findings identify capacity building as a critical driver of sustainability compliance. The study recommends shifting from enforcement-oriented approaches toward incentivized training, knowledge development, and organizational capability enhancement to improve sustainability performance in tourism enterprises. The study focuses solely on tourism enterprises in Kenya, limiting broader generalization. However, the findings provide important empirical evidence for future sustainability research and policy development in emerging economies.
Hotel Classification Governance and Destination Competitiveness: Empirical Insights for Destination Management in Kenya Ruth Kimaiga
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 03, September 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i3.50

Abstract

This study examined the influence of hotel classification governance on destination competitiveness in Kenya, with a particular focus on how governance dimensions contribute to destination quality, tourist confidence, destination image, and overall tourism competitiveness. Grounded in governance theory, this descriptive cross-sectional study surveyed 139 classified accommodation facilities selected proportionally from 205 facilities in Kenya using Yamane’s formula and simple random sampling. Data were collected through a reliable structured questionnaire (Cronbach’s α = 0.835) and analyzed using descriptive and inferential statistics. Hotel classification governance significantly and positively influenced destination competitiveness (β = 0.637, R² = 0.406, p < 0.001). However, weak reassessment mechanisms (M = 1.55), despite strong support for service quality and public–private collaboration, reveal a credibility gap between the formal governance framework and its practical enforcement. This study contributes to tourism governance literature by providing empirical evidence from the African tourism context that hotel classification governance is a strategic predictor of destination competitiveness through its integrated governance dimensions. The findings suggest that strengthening hotel classification governance can enhance destination image, tourist confidence, service quality, and tourism competitiveness. Policymakers and tourism regulators should strengthen institutional credibility, reassessment mechanisms, stakeholder collaboration, and digital regulatory frameworks to improve Kenya’s tourism competitiveness. The cross-sectional, quantitative design limited the depth of examination of governance dynamics and contextual institutional factors. Nonetheless, the study contributes to the tourism governance literature by empirically demonstrating that hotel classification governance serves as a strategic predictor of destination competitiveness.
Marketing Personalization Strategy for Customers at Swiss-Belcourt Kupang Hotel Helna Sani Elianora Kana; Merlyn Kurniawati; Yonas Ferdinan Riwu; Debryana Yoga Salean
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 03, September 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i3.51

Abstract

This study aims to examine the form and implementation of marketing personalization strategies at Swiss-Belcourt Kupang Hotel, their effects on customer experience and satisfaction, and the challenges and opportunities associated with their implementation. This study employed a qualitative approach with a phenomenological method. Data were collected through in-depth interviews, participatory observation, and documentation involving 13 purposively selected informants, including the General Manager, front office staff, marketing staff, and 10 hotel guests. The findings indicate that marketing personalization is implemented through four main processes: identifying customer needs and preferences from the check-in stage, establishing effective two-way communication through direct and digital channels, providing structured staff training based on Standard Operating Procedures (SOPs), and utilizing customer data from reservation systems and direct interactions. These practices positively influence customer experience, satisfaction, and loyalty. This study contributes to the service marketing literature by demonstrating that, in the context of a hotel in Eastern Indonesia, effective personalization can be developed through consistent interpersonal interaction rather than sophisticated digital technology, thereby offering an alternative perspective to the dominant technology-centric personalization literature. The findings provide strategic guidance for hotel management to improve service consistency, optimize customer data utilization, and strengthen staff training programs in order to create more personalized and memorable guest experiences. This study is limited to a single qualitative case study at Swiss-Belcourt Kupang Hotel; therefore, the findings cannot be generalized to all hotels. In addition, the organizational homogeneity of the informants may restrict the diversity of perspectives obtained.
A Study on Middle-Class Gen Z Consumers in Kupang City: Materialism and the Status Consumption Trap Klaasvakumok Jehezkielomi Kamuri; Maya Sinlae
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 03, September 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i3.52

Abstract

This research studies the influence of materialism on the status consumption trap among middle-class Generation Z consumers in Kupang City, and analyzes the mediating role of status consumption in that relationship. The study used a causal-explanatory quantitative approach, with a cross-sectional survey design comprising 200 respondents chosen through purposive sampling. The SmartPLS 4.0 software was used to perform partial least squares structural equation modeling (PLS-SEM) on the data. The findings show that materialism increases status consumption and directly contributes to the status consumption trap. Status consumption also significantly strengthens the consumption trap and partially mediates the relationship between materialism and the trap among middle-class Generation Z consumers in Kupang City. This study operationalizes the status consumption trap as a measurable variable that is conceptually distinct from traditional status consumption, bridging the gap between the literature on status consumption and compulsive purchasing. This is the first study to look at this link in the non-metropolitan setting of Eastern Indonesia. The findings are useful for financial authorities creating digital credit limitations based on purchasing behavior, social media platforms analyzing the algorithmic impact on aspirational consumption, and colleges incorporating financial literacy into the curriculum. Cross-sectional design constrains the ability to capture the dynamics of trap creation over time. The findings' generalizability is limited because they only cover a single city. Further study with a longitudinal approach and cross-city comparative studies is strongly encouraged.
Policy Shock and Fintech Adoption: Extending UTAUT2 with Policy Trust to Explain SME Mobile Money Usage Post E-Levy Repeal in Ghana Emmanuel Dramani; Mary B. Addo
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 03, September 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i3.53

Abstract

This study set out to extend UTAUT2 through the construct of policy trust, examining how it shapes behavioral intention and use behavior around mobile money among Ghanaian MSMEs after the E-Levy's repeal. Policy trust was tested in two roles—as a direct predictor and as a moderator. The study followed a quantitative explanatory approach, running a cross-sectional survey with 400 MSMEs across Accra, Kumasi, and Sekondi-Takoradi through purposive sampling. Analysis relied on PLS-SEM in SmartPLS 4.0, covering the measurement model, structural model, and a two-stage moderation test. As many as 11 out of 12 hypotheses were supported. Performance expectancy, effort expectancy, hedonic motivation, price value, and habit significantly influence behavioral intention, while social influence does not. Facilitating conditions and habit influence use behavior, with behavioral intention as the strongest predictor. Policy trust significantly affects behavioral intention and also moderates two main relationships. The model explains 61.2% of behavioral intention and 68.7% of use behavior. This study introduces policy trust as an extension of UTAUT2, built on an integration with policy feedback theory. Policy trust proved significant for usage intention, and it also moderated two key relationships—price value to behavioral intention, and facilitating conditions to use behavior. UTAUT2 gains an institutional dimension it previously lacked. Several recommendations follow from these findings. Bank of Ghana and the Ghana Revenue Authority should strengthen policy communication. Mobile money providers need to pair infrastructure investment with cost certainty. And Fintech Growth Fund administrators would benefit from factoring policy trust into how they segment beneficiaries. This study has its constraints—a cross-sectional design, self-report data, a sample limited to urban areas, and a policy trust construct still awaiting broader validation. Future work could take a longitudinal approach, extend the analysis across countries, and draw on actual transaction data rather than survey responses alone.
The Effect of Social Media Financial Influence on Investment Decision Overconfidence Among Gen Z Investors in Jakarta Ridwan Adianto; Safitri Siswono; Wahyudi Ade
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 03, September 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i3.54

Abstract

This study aims to examine the effect of social media financial influence on investment decision overconfidence among Generation Z investors in Jakarta, addressing a theoretical and empirical gap left unresolved by prior studies that examined social learning and overconfidence bias mechanisms separately rather than as a unified causal pathway. A quantitative explanatory design was employed, using a structured online questionnaire distributed to 200 Gen Z investors (aged 17–28) domiciled in Jakarta, yielding 133 valid responses (66.5% response rate). Data were analysed using simple linear regression in SPSS, following instrument validity and reliability testing and classical assumption tests. Social media financial influence was found to have a positive and significant effect on investment decision overconfidence (β = 0.447; t = 5.250; p < 0.001), explaining 17.4% of the variance (R² = 0.174). Notably, elevated overconfidence was more pronounced among investors with less than one year of market experience, suggesting that exposure-driven confidence can form more rapidly than experience-based confidence. This study contributes by synthesising Social Learning Theory and Overconfidence Bias Theory into a single sequential mechanism, demonstrating that finfluencer exposure functions as a vicarious pathway to overconfidence distinct from experience-based bias formation documented in classical behavioural finance literature. Findings suggest regulators and digital investment platforms should move beyond generic financial literacy programmes toward finfluencer competency disclosure and behaviourally-triggered risk warnings targeting novice investors. This study is limited by its cross-sectional design, direct-effect model without mediating/moderating variables, and geographic scope confined to Jakarta, warranting longitudinal and multi-context replication.

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