Jurnal Manajemen Teknologi
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Curriculum Design for Digital Financial Innovation in Higher Education Institutions in Indonesia
No full textAbstract. Due to rapid technological advancement, the financial industry is now transitioning from traditional to digitally based financial services. In Indonesia in particular, this transformation is being carried out in accordance with the idea of digital finance innovation. However, within the Indonesian financial industry, there is a competency gap that hinders the rate of progress of this transformation. Accordingly, this study aims to create a curriculum designed explicitly for digital finance innovation for Indonesian higher education institutions in order to address the existing competency gap. Through the application of multivariate regression analysis, eight required competencies and their respective subjects were identified in this study. The identified competencies can provide insights for higher education institutions in creating a curriculum to ensure that their future graduates can fill the competency gap within the Indonesian financial industry. The results of the study state that: (i) an effective and appropriate relationship between DA, RM, BM, and SM competencies and can improve the ability of financial institutions to identify and manage risks in their environment; (ii) the relationship between FIK knowledge and PRO and BM competencies can help financial institutions ensure that their DFI products, such as applications, meet the standards set by regulators and improve management practices; (iii) the relationship between FL and PRO competencies can improve the organization\u27s ability to reduce the possibility of miscommunication and misperceptions surrounding DFI ideas. Hence, these findings have implications for the university curriculum that implements them, bolstering the output of graduates who can help accelerate the actualization of the digital financial innovation agendas of the Indonesian financial industry.Keywords: digital finance innovation; financial technology; higher education institutions Abstrak. Dengan pesatnya kemajuan teknologi yang terjadi, industri keuangan kini berada pada fase transisi dari layanan keuangan tradisional ke layanan keuangan berbasis digital. Khusus di Indonesia, transformasi dilakukan dengan mengikuti ide inovasi keuangan digital. Namun, dalam industri keuangan Indonesia, terdapat gap kompetensi yang menghambat laju kemajuan transformasi. Oleh karena itu, penelitian ini bertujuan untuk membuat kurikulum yang dirancang secara eksplisit di bawah inovasi keuangan digital untuk institusi pendidikan tinggi di Indonesia dalam rangka mengatasi kesenjangan kompetensi yang ada. Melalui penerapan analisis regresi multivariat delapan kompetensi yang dibutuhkan dan subjek masing-masing diidentifikasi. Kompetensi yang teridentifikasi dapat memberikan wawasan bagi institusi pendidikan tinggi dalam membuat kurikulum untuk memastikan lulusan masa depan mereka dapat mengisi gap kompetensi di industri keuangan Indonesia. Hasil penelitian menyatakan bahwa (i) Hubungan yang efektif dan tepat antara kompetensi DA, RM, BM, dan SM dapat meningkatkan kemampuan lembaga keuangan dalam mengidentifikasi dan mengelola risiko berada di dalam lingkungannya, (ii) Hubungan antar pengetahuan FIK dengan kompetensi PRO dan BM dapat membantu lembaga keuangan memastikan produk IKD mereka seperti aplikasi dalam memenuhi standar yang ditentukan oleh regulator seiring dengan peningkatan praktik manajemen dan (iii) Hubungan antara kompetensi FL dan PRO dapat meningkatkan kemampuan organisasi untuk mengurangi kemungkinan miskomunikasi dan persepsi yang salah tentang ide IKD. Oleh karena itu, hasil temuan ini berimplikasi bagi Kurrikulum PT yang menerapkannya, memungkinkan output lulusannya dapat membantu industri keuangan Indonesia mempercepat aktualisasi agenda inovasi keuangan digitalKatakunci: inovasi keuangan digital, teknologi keuangan, institusi pendidikan tinggi
Entrepreneurial Orientation and SMEs Business Peformance: The Role of Technology and Competitive Intensity as Mediating
No full textAbstract. The purpose of this study is to analyze the influence of entrepreneurial orientation including innovation, proactiveness and courage in taking risks in Pekanbaru City, Riau Province Indonesia. SMEs contributes largely to Indonesia\u27s economy. However, these enterprises often struggle with limited resources leading to weaker performance. The research problem centers on identifying factors that can enhance the BP, mainly through Technology and CI. This study uses quantitative and descriptive research methods using SEM - AMOS 26. Data is collected using online survey. The research sample is a portion of the leaders or owners of SMEs in the songket business commodity using a non-probability delivery method, namely a purposive sampling. Sample of the study was 240 respondents. Conceptually, this study found interesting relationship between innovation, proactive, risk taking, technology, competitive intensity and business perfomance then called as entrepreneurial orientation. The empirical results reveal that technology and competitive intensity significantly mediate the relationship between EO and SME performance. Therefore, with new findings, the study extends the literature on serial mediation in the EO-performance of SMEs. This study has important implications for SMEs that are seeking to gain a competitive advantage. The findings offer an additional insight to managers on entrepreneurial orientation strategy to increase business performance.
Keywords: Business Performance, Entrepreneurial Orientation, Innovation, SMEs
The Evolving Roles Political Connections in Firm Performance: Insights from a Two-Decades Review
No full textAbstract. This study examined the impact of political connections on firms\u27 performance. Using bibliometric data, we analysed key research areas, top journals, important studies, leading scholars, and prominent institutions and countries in this field of research. Our review of 709 articles demonstrates a significant increase in publications on this topic, highlighting the valuable role of political ties for firms across both emerging and developed economies. Greater attention is paid to not only business and economic areas, such as market and financial performance, corporate governance, and mergers and acquisitions, but also the economic consequences of green and sustainable practices on the performance of politically connected firms. Due to the interdisciplinary nature of research on political connections, this study provides valuable insights for decision-makers in using political connections as a non-market strategy by mapping knowledge development in the research field over the last two decades, as well as facilitating future research to more easily identify relevant references and presenting emerging themes in the research domain.
Keywords: Firms\u27 performance, political connections, bibliometric analysis, knowledge mapping, web of scienc
Measuring The Gig Economy in Indonesia: Typology, Characteristics, and Distribution
No full textAbstract. Work in the gig economy is defined as short-term and task-based jobs mediated by digital platforms. In Indonesia, the emergence of an online motorcycle taxi driver platform in 2015 marked the discourse about the gig economy as the future alternative of jobs on the one hand, and as a new form of exploitation of labor on the other hand. This study is the first to define the typology of the gig economy and identify the platforms of the gig economy service providers in Indonesia. Furthermore, this study estimates the number of gig economy workers by using micro data from the National Labor Force Survey (Sakernas) released by the Central Statistics Agency. It was found that 0.3 to 1.7% of Indonesian workers participated in the gig economy as their primary job. This study also compares the characteristics of gig workers in the transportation sector and in the other service sectors with the overall demographics of the workforce. It was found that gig workers shared more characteristics with the formal workers than with the informal workers. Finally, this study maps the distribution of gig workers throughout Indonesia at the city/district level. It can be concluded that the gig economy is an urban phenomenon. Most gig workers in the transportation sector are concentrated in the provincial capital and in Metropolitan Jakarta. Meanwhile, gig workers in other service sectors are distributed more in tier 2 cities in Java.Keywords: Gig economy, gig worker, digital worker, labor economics, jobs Abstrak. Pekerjaan di dalam ekonomi gig didefinisikan sebagai pekerjaan berbasis tugas jangka pendek yang dimediasi oleh platform digital. Di Indonesia, kehadiran platform pengemudi ojek online di tahun 2015 menandai ramainya wacana mengenai ekonomi gig sebagai kesempatan pekerjaan di masa depan di satu sisi dan juga sebagai bentuk baru eksploitasi pekerja di sisi lain. Studi ini merupakan yang pertama mendefinisikan tipologi ekonomi gig dan memetakan platform penyedia layanan ekonomi gig di Indonesia. Lebih lanjut studi ini juga mengestimasi ukuran pekerja ekonomi gig menggunakan data mikro survei angkatan kerja nasional (Sakernas) yang dirilis oleh Badan Pusat Statistik. Didapatkan bahwa terdapat 0,3 hingga 1,7% dari angkatan kerja Indonesia yang menjadikan ekonomi gig sebagai pekerjaan utamanya. Kemudian, studi ini membandingkan karakteristik pekerja gig di sektor transportasi dan di sektor jasa lainnya dengan demografi pekerja keseluruhan. Didapatkan bahwa pekerja gig memiliki karakteristik lebih mirip dengan pekerja formal daripada pekerja informal. Terakhir, studi ini memetakan sebaran pekerja gig di seluruh Indonesia hingga ke tingkat Kota/Kabupaten. Dapat disimpulkan bahwa ekonomi gig merupakan fenomena urban. Pekerja gig di sektor transportasi banyak terkonsentrasi di Ibukota provinsi dan di Metropolitan Jakarta. Sementara pekerja gig di sektor jasa lainnya lebih terdistribusi ke kota-kota tier 2 di Pulau Jawa.Kata kunci: Ekonomi gig, pekerja gig, pekerja digital, ekonomi tenaga kerja, pekerjaa
The Growth of MSE: The Effect of Financial Literacy and Access to Finance with Digital Finance and Usage of Digital Technology as Mediators
No full textAbstract. This research was conducted to examine the effect of financial literacy and access to finance on the growth of micro-enterprises in Indonesia, with digital finance and the use of digital technology as mediation. This study uses a quantitative method with Indonesian micro-enterprises as respondents. Sampling obtained a total of 178 respondents, which was carried out by distributing questionnaires to the large community of MSEs: Jakpreneur and BRI Growprenuer. All data that has been collected is processed using the PLS-SEM method. The study results show that financial literacy and access to finance significantly influence the growth of micro-enterprises in Indonesia. The mediating role of digital finance and the usage of digital technology also significantly mediate the relationship between access to finance and micro-enterprise growth.
Keywords: Financial literacy, access to finance, business growth, digital financial services, use of digital technolog
Development of a Virtual Disaster Simulator for Municipal Training in Japan
No full textAbstract -This study introduces a comprehensive simulation model using agent-based modeling (ABM) to assist local governments in developing disaster training scenarios, focusing on earthquake-induced infrastructure damage, sediment disasters, and evacuation behavior. The model comprises three key components: a disaster simulator predicting infrastructure damage, a sediment disaster model replicating damage within warning zones, and an evacuation behavior model representing individual decision-making. Developed with the SOARS toolkit and visualized using Python and ArcGIS Pro, the model effectively captures disaster scenarios. Although infrastructure damage predictions were slightly lower than historical data, they were successfully incorporated into the scenarios. The sediment disaster model accurately reflected trends in the number of affected agents, like past events, and the evacuation model demonstrated consistent behavior patterns across simulations. Additionally, new insights emerged, such as cases where the number of evacuating agents exceeded shelter capacity. Municipalities can employ this model to enhance their disaster response capabilities and conduct more realistic and diverse disaster simulations, ultimately improving the effectiveness of their disaster preparedness training programs.
Keywords - Agent-based modeling, disaster simulation, evacuation behavior, SOARS toolkit, disaster tabletop drill
Human Resources Management Strategy to Attract Workes (A Study Case in Pekalongan Batik Cluster SMEs)
No full textAbstract. SMEs (Small and Medium Enterprises), including batik (traditional Indonesian technique for decorating fabric using wax-resist dyeing) SMEs, significantly contribute to GDP and employment in Indonesia. Pekalongan regency is one of the centers of batik production and development in Indonesia, which occurs through interconnected SMEs, commonly called clusters. Currently, batik cluster SMEs in Pekalongan do not have a competitive advantage in the market, characterized by declining sales, inability to meet consumer demand, errors in the production process, low technology absorption, and lack of innovation. One of the causes of this situation is the declining interest of workers in employment at batik SMEs. Therefore, there must be an effort to increase worker interest to create a competitive advantage for batik SMEs in Pekalongan. This study used the soft system methodology (SSM) approach with strategic entrepreneurship as the theoretical framework. The resource persons were 13 owners/managers of batik SMEs in Pekalongan, plus two experts from external SMEs. This research produced a conceptual model of human resources management strategies from stakeholders to increase workers\u27 interest in batik SMEs in Pekalongan by intensifying batik artists regeneration efforts through revitalizing batik tourism in Pekalongan. Such efforts involve vocational schools for batik, intensifying batik content in the media, creating national/international batik events, formulating WSS (Wage Structure and Scale) for workers, and improving and standardizing workers\u27 competencies.
Keywords: batik, competitive advantage, SME, soft system methodology, worker attraction
Service Innovation in Resort Management: The Case of a Tourism Firm in Indonesia
No full textAbstract. Purpose: This study adopted a design thinking approach to create an artificial intelligence (AI)-integrated chatbot that enhances service responsiveness while simultaneously leading to operational efficiency and enabling personalization. Methodology: Through qualitative research techniques comprising a literature review and interviews with nine people, this study identifies critical service-specific pain points. It delves into the transformative role of AI within the realm of resort management performance. Here, the Gioia Methodology was used to analyse the qualitative data, thereby enabling systematic coding and concept development, as well as the development of robust theoretical propositions for future research. Findings: The results provide relevant information on AI-driven knowledge co-creation, operational transformation through AI chatbots, and customer-centric innovation. This analysis yielded three theoretical implications: (1) AI chatbots enable knowledge co-creation that benefits interdepartmental communication and real-time information sharing; (2) AI chatbots transform service operations by addressing knowledge gaps and allowing automation in coordination; and (3) AI-driven personalization fosters customer experiences, which subsequently fosters service innovation in the context of resort management. Implications for Theory and Practice: The study theoretically extends service-dominant logic (SDL) and the technology acceptance model (TAM) by showcasing how AI facilitates co-creation and personalized service. Practically, it offers resort managers actionable insights on leveraging AI to improve operational workflows, service quality, and customer satisfaction. Originality/Value: This study offers a novel contribution by applying the Gioia Methodology within a resort management context. It produces grounded theoretical propositions that can guide future research on AI-driven service innovation. The originality of this work lies not only in the context of SME-based resorts but also in the methodological rigor and development of transferable insights for theory and practice.
Keywords: Service innovation, resort management, customer experience, customer-centric innovation, AI chatbot, and design thinking
The Return on IPO Stocks during the COVID-19 Pandemic in Indonesia
No full textAbstract. Conducting an initial public offering (IPO) during the COVID-19 pandemic is not easy due to the current high level of economic uncertainty. This study aims to examine the effect of the COVID-19 pandemic on the initial return on IPO shares in Indonesia. In the study, a cross-sectional regression was applied, using a sample of 51 companies that conduct IPOs. It was found that the fear index over the COVID-19 pandemic negatively affected the initial return. The higher the fear index, the lower the return on IPO stocks on the first listing day. The results therefore demonstrates that the fear of COVID-19 influenced the IPO market return in Indonesia. This study extends the literature on the COVID-19 pandemic, especially on the initial return on IPOs. Practically, this research also provides insight into the issuers regarding the appropriate timing of IPOs during the crisis, particularly for investors who wish to buy IPO shares during an uncertain time. Policymakers are expected to mitigate the cases and deaths of COVID-19 in Indonesia, which may reduce investors’ fear related to COVID-19. This paper\u27s limitation is that it only examines data from 2020, as this was the year in which COVID-19 first announced. Future research could include the short-term and long-term performance of IPOs, and also broaden the sample area to a larger region.Keywords: Initial return, IPO, COVID-19, fear index, Indonesia.Abstrak. Melakukan penawaran saham perdana (IPO) pada masa pandemi COVID-19 tidaklah mudah karena pada masa ini memiliki ketidakpastian ekonomi yang tinggi. Penelitian ini bertujuan untuk melihat pengaruh pandemi COVID-19 terhadap tingkat pengembalian awal saham yang melakukan IPO di Indonesia. Penelitian ini menggunakan regresi cross-sectional, dengan menggunakan sampel dari 51 perusahaan yang melakukan IPO. Penelitian ini menemukan bahwa indeks kepanikan atas pandemi COVID-19 mempengaruhi tingkat pengembalian awal secara negatif signifikan. Hasil penelitian menunjukkan bahwa indeks kepanikan atas pandemic COVID-19 menghantam pengembalian pasar IPO. Semakin tinggi tingkat indeks kepanikan atas pandemic COVID-19 maka semakin rendah tingkat pengedalian saham IPO pada hari pertama memasuki bursa. Penelitian ini mengembangkan literatur penelitian tentang pandemi COVID-19, terutama terhadap tingkat pengembalian awal IPO. Secara praktik, penelitian ini juga memberikan wawasan terhadap perusahaan atas waktu yang tepat untuk IPO bila terjadi krisis dan untuk investor yang ingin membeli saham IPO pada masa yang sedang tidak pasti. Para pembuat kebijakan diharapkan dapat memitigasi kasus dan kematian COVID-19 di tanah air untuk mengurangi kepanikan investor terkait COVID-19. Keterbatasan tulisan ini yaitu hanya mengkaji data tahun 2020 saat tahun pertama kali diumumkannya COVID-19. Ruang lingkup peneliti masa depan dapat mencakup kinerja IPO jangka pendek dan jangka panjang, dan juga memperluas sampel ke wilayah yang lebih besar.Kata kunci: pengembalian awal, IPO, COVID-19, indeks kepanikan, Indonesia
A Hydroponic Vegetable Business Development Strategy: A Case Study of CV Casa Farm
No full textAbstract. The Business Development Strategy for CV Casa Farm emerged from an analysis of the external and internal environments mapped using a SWOT matrix with a focus on weaknesses and opportunities. Several production problems, such as yellowing of vegetables, rotting roots, and the spread of disease that caused production failures and planting media waste, could be reduced to minimize costs and increase productivity to meet the demand for vegetables in the city of Bandung. Problems were also identified with management and governance, such as overlaps in the allocation of tasks causing unfavorable work performance and decreased productivity. Applying IoT technology could increase vegetable weight by 37.7% and reduce production failures from 12.85% to 7.14%. Based on non-financial factors, including the market, production, organization and management, human resources, and collaboration, the implementation of IoT technology was judged to be feasible. Based on a financial and partial analysis, the investment feasibility obtained NPV> 0 of Rp1,247,103,045.33, with a Net B/C value of 2.63, Gross B/C of 1.62, IRR acquisition of 31%, a payback period of four years and three months, and an increased profit of Rp27,849,345.00, the business development strategy was judged to be feasible using IoT Simon Kori technology because it met the investment criteria and brought additional benefits. In the sensitivity analysis, a 20% decrease in the product selling price was shown to have an impact on the feasibility of implementing IoT. An incremental net benefit analysis indicates that the net benefit from applying IoT technology would be Rp2,402.477,276.13.Keywords: CV Casa Farm, hydroponic vegetable, IoT technology, productivity improvement, SWOTAbstrak. Strategi Pengembangan Bisnis pada CV Casa Farm dibentuk berdasarkan analisis lingkungan eksternal dan internal yang dipetakan menggunakan matriks SWOT dengan berfokus pada kelemahan dan peluang. Terdapat beberapa permasalahan seperti sayur menguning, akar membusuk, penyebaran penyakit yang menyebabkan kegagalan produksi. Kegagalan produksi menyebabkan adanya limbah media tanam, Kegagalan dapat di minimalisir untuk memaksimalkan biaya yang dikeluarkan serta meningkatkan produktivitas perusahaan guna memenuhi permintaan sayur di Kota Bandung. Selain itu terdapat permasalahan pada tata Kelola manajemen yang kurang baik, seperti adanya tumpeng tindih dalam pembagian tugas yang menyebabkan kerja tidak kondusif dan produktifitas kerja menurun . Penerapan teknologi IoT dapat meningkatkan bobot sayur 37,7% dan meminimalisir kegagalan produksi dari 12,85% menjadi 7,14%. Berdasarkan aspek non finansial yang meliputi aspek pasar, produksi, organisasi dan manajemen, SDM, serta kolaborasi, penerapan teknologi IoT ini layak untuk dijalankan. Berdasarkan analisis finansial dan parsial, kelayakan investasi diperoleh NPV>0 sebesar Rp1.247.103.045,33, dengan nilai Net B/C sebesar 2,63, Gross B/C sebesar 1,62, perolehan IRR sebesar 31%), dengan Payback period sebesar 4 tahun 3 bulan, dan keuntungan tambahan sebesar Rp27.849.345,00, maka Strategi pengembangan bisnis dengan mengadopsi teknologi IoT Simon Kori pada CV Casa Farm layak untuk dijalankan karena memenuhi kriteria investasi dan terdapat keuntungan tambahan.Pada analisis sensitivitas, diketahui penurunan harga jual sebesar 20% berdampak pada kelayakan penerapan IoT Pada perhitungan analisis incremental net benefit, manfaat bersih dari penerapan teknologi IoT yaitu sebesar Rp2.402.477.276,13.Kata kunci: CV Casa Farm, peningkatan produktivitas, hidroponik, SWOT, teknologi Io