Journal of Management : Small and Medium Enterprises (SMEs) https://ejurnal.undana.ac.id/index.php/JEM <p><strong><img src="/RujUxYuks1/site/images/antonionyoko/Gold_Brown_Business_Architecture_Design_Logo_-_Logos5.png"></strong></p> <p><strong>Established : 2015&nbsp; </strong>l <strong>Publication Period : Quarterly (March, July, November)&nbsp; </strong>l <strong>DOI : <a title="doi" href="https://ejurnal.undana.ac.id/JEM" target="_blank" rel="noopener">htt</a><a title="doi" href="https://ejurnal.undana.ac.id/JEM" target="_blank" rel="noopener">ps://doi.org/10.35508/jom</a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</strong>&nbsp;&nbsp;&nbsp;</p> <p align="justify">The <em data-start="166" data-end="226">Journal of Management: Small and Medium Enterprises (SMEs)</em> is a nationally accredited academic journal published by the Department of Management, Faculty of Economics and Business, Universitas Nusa Cendana, Kupang, Indonesia. The journal is affiliated with the <strong data-start="429" data-end="490">Association of Indonesian Management Departments (APSMBI)</strong>. It is dedicated to advancing knowledge and research in the field of management, with a special focus on SMEs.</p> <p align="justify">Our journal provides a platform for scholars, researchers, and practitioners to share insights and innovations in various management disciplines, including:&nbsp;<strong data-start="767" data-end="791">Marketing Management,&nbsp;</strong><strong data-start="796" data-end="820">Financial Management,&nbsp;</strong><strong data-start="825" data-end="854">Human Resource Management,&nbsp;</strong><strong data-start="859" data-end="884">Operations Management,&nbsp;</strong><strong data-start="889" data-end="911">Tourism Management,&nbsp;</strong><strong data-start="916" data-end="936">Entrepreneurship,&nbsp;</strong><strong data-start="941" data-end="980">Small and Medium Enterprises (SMEs),&nbsp;</strong><strong data-start="985" data-end="1013">Economics and Accounting</strong> and other related subjects. JOURNAL OF MANAGEMENT Small and Medium Entreprises (SME's), published three times a year in March, July, and November, is indexed by:</p> <p><a title="Google Scholar" href="https://scholar.google.co.id/citations?user=-VkH25kAAAAJ&amp;hl=en&amp;authuser=1" target="_blank" rel="noopener"><span style="text-decoration: underline;">Google Scholar</span></a>&nbsp; <a title="Garuda" href="https://garuda.kemdiktisaintek.go.id/journal/view/19339" target="_blank" rel="noopener"><span style="text-decoration: underline;">Garuda</span>&nbsp;</a> <a title="crossref" href="https://search.crossref.org/?from_ui=yes&amp;q=2723-469X" target="_blank" rel="noopener"><span style="text-decoration: underline;">Crossref</span></a> <a title="OpenAire" href="https://explore.openaire.eu/search/dataprovider?datasourceId=doajarticles::5c30f2be9a619edd4f0cb19f9a9f013d" target="_blank" rel="noopener">OpenAire</a> <a title="BASE" href="https://www.base-search.net/Search/Results?lookfor=https%3A%2F%2Fejurnal.undana.ac.id%2Findex.php%2FJEM&amp;name=&amp;oaboost=1&amp;newsearch=1&amp;refid=dcbasen" target="_blank" rel="noopener"><span style="text-decoration: underline;">BASE</span></a>&nbsp; <a title="ICI Copernicus" href="https://journals.indexcopernicus.com/search/details?id=67215" target="_blank" rel="noopener"><span style="text-decoration: underline;">ICI</span></a> <a title="OneSearch" href="https://onesearch.id/Repositories/Repository?search=Journal+of+Management+-+Small+and+Medium+Enterprises+%28SME%27s%29" target="_blank" rel="noopener">OneSearch</a> <a title="WorldCat" href="https://search.worldcat.org/title/1349933440" target="_blank" rel="noopener">WorldCat</a> <a title="ResearchBib" href="http://journalseeker.researchbib.com/view/issn/2502-2385" target="_blank" rel="noopener">ResearchBib</a> <a title="I2OR" href="http://www.i2or.com/9.html" target="_blank" rel="noopener">I2OR</a> <a title="Scilit" href="https://www.scilit.com/sources/13571" target="_blank" rel="noopener">Scilit</a> <a title="CiteFactor" href="https://www.citefactor.org/journal/index/27214#.YJInO6ExXIV" target="_blank" rel="noopener">CiteFactor</a> <span style="text-decoration: underline;"><a title="neliti" href="https://www.neliti.com/journals/journal-of-management-smes" target="_blank" rel="noopener">Neliti&nbsp;</a></span> <a title="Sinta" href="https://sinta.kemdiktisaintek.go.id/journals/profile/8407" target="_blank" rel="noopener">Sinta</a>&nbsp; <a title="Scientific Indexing Services" href="https://www.sindexs.org/JournalList.aspx?ID=7788" target="_blank" rel="noopener">SIS</a> <a title="ScienceGate" href="https://www.sciencegate.app/app/document#/10.35508/jom/related-documents" target="_blank" rel="noopener">ScienceGate</a> <a title="DOAJ" href="https://doaj.org/toc/2723-469X?source=%7B%22query%22%3A%7B%22bool%22%3A%7B%22must%22%3A%5B%7B%22terms%22%3A%7B%22index.issn.exact%22%3A%5B%222502-2385%22%2C%222723-469X%22%5D%7D%7D%5D%7D%7D%2C%22size%22%3A100%2C%22sort%22%3A%5B%7B%22index.date%22%3A%7B%22order%22%3A%22desc%22%7D%7D%5D%2C%22_source%22%3A%7B%7D%2C%22track_total_hits%22%3Atrue%7D" target="_blank" rel="noopener">DOAJ</a> <a title="EBSCO" href="https://about.ebsco.com/m/ee/Marketing/titleLists/bsu-journals.htm" target="_blank" rel="noopener">EBSCO</a> <a title="Harvard Library" href="https://hollis.harvard.edu/primo-explore/search?query=title,exact,Journal%20of%20management%20(Kupang,%20Indonesia),AND&amp;tab=everything&amp;search_scope=everything&amp;sortby=rank&amp;vid=HVD2&amp;lang=en_US&amp;mode=advanced&amp;offset=0" target="_blank" rel="noopener">Harvard Library</a> <a title="Dimension" href="https://app.dimensions.ai/discover/publication?search_mode=content&amp;order=date&amp;and_facet_source_title=jour.1391763" target="_blank" rel="noopener">Dimension</a> <a title="SJIF" href="https://sjifactor.com/passport.php?id=21755" target="_blank" rel="noopener">SJIF</a></p> <p><img src="/RujUxYuks1/site/images/antonionyoko/web_jurnal11.jpg"></p> en-US antonio.nyoko@staf.undana.ac.id (Antonio) jurnal.manajemen@undana.ac.id (Editor) Wed, 01 Jul 2026 05:52:24 +0000 OJS 3.1.1.2 http://blogs.law.harvard.edu/tech/rss 60 The influence of augmented reality (AR) technology on online purchase intention through customer experience as a mediating variable https://ejurnal.undana.ac.id/index.php/JEM/article/view/23992 <p><em>This study aims to examine the effect of augmented reality (AR) on online purchase intention, with customer experience as a mediating variable, in the context of beauty product shopping via e-commerce. The research was conducted on users who had experienced Shopee’s AR features, BeautyCam and SkinCam, through a quantitative method using PLS-SEM. The findings show that AR positively influences both customer experience and online purchase intention. Furthermore, customer experience significantly mediates the relationship between AR and online purchase intention. These results suggest that AR enhances the shopping experience by making it more interactive and immersive, which in turn strengthens customers’ intention to purchase. This study highlights the strategic value of AR in improving customer engagement and conversion, especially in the beauty sector. However, it is limited to a single e-commerce platform and product category. Future research may explore different contexts or compare multiple AR implementations across platforms.</em></p> <p><strong><em>Keywords:</em></strong><em> Augmented Reality; Customer Experience; Online Purchase Intention; </em><em>E-Commerce; Beauty Product</em></p> Riviera Clarissa, Thomas Budhyawan Yudha ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/23992 Wed, 01 Jul 2026 05:17:29 +0000 Herd investment decision and savings pattern among lecturers in Nigerian tertiary institutions: The mediating role of financial literacy https://ejurnal.undana.ac.id/index.php/JEM/article/view/27357 <p><em>Despite relatively high education and income stability, many lecturers in Nigerian tertiary institutions exhibit weak savings outcomes, largely influenced by herd-driven investment decisions and exposure to high-risk informal schemes such as Ponzi operations. Peer influence increasingly shapes their financial choices, raising concerns about the implications for savings behaviour and the role of financial literacy. This study examined the effect of herd investment decisions on savings patterns among lecturers in Nigerian tertiary institutions, with financial literacy serving as a mediating variable. The study adopted a descriptive survey research design and collected primary data from 122 lecturers across tertiary institutions in South-West Nigeria using a structured questionnaire. Herd investment decision, savings pattern, and financial literacy were measured using a four-point Likert-type scale and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings revealed that financial literacy had a positive and statistically significant effect on savings patterns, while herd investment decision also exerted a significant direct effect on savings behaviour. However, herd investment decision did not significantly influence financial literacy, and financial literacy did not mediate the relationship between herd investment decisions and savings patterns. The study concluded that herd investment behaviour influences savings patterns primarily through direct social influence rather than through changes in financial knowledge. While financial literacy independently enhances savings behaviour, it does not mediate the effect of herd behaviour. Therefore, policies aimed at improving savings outcomes should combine financial literacy initiatives with behavioural finance–oriented interventions that address peer influence, social norms, and herd-driven decision-making to promote informed and sustainable saving behaviour among lecturers.</em></p> <p><strong><em>Keywords:</em></strong><em> Investment Herding; Financial Literacy; Savings Pattern; Lecturers; </em><em>Tertiary Institutions in Nigeria</em></p> Arikewuyo Kareem A, Ariyibi Mayowa E, Folami Rahmon A ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/27357 Wed, 01 Jul 2026 05:18:49 +0000 Factors influencing the choice of market channels among cashew nut farmers in Mtwara rural district, Tanzania https://ejurnal.undana.ac.id/index.php/JEM/article/view/27397 <p><em>The cashew nut industry is one of the major agricultural sectors whose performance, through effective policies, can lead to increased economic development and improved welfare for Tanzania</em><em>n farmers.</em><em> The study assess</em><em>ed</em> <em>the factors influencing cashew nut production</em><em> in </em><em>Mtwara Rural District. </em><em>Specifically, the study intended to examine the effects of demographic characteristics, market constraints, and institutional arrangements on market channel</em><em> choice. A structured questionnaire was used to recruit 397 respondents through simple random sampling. Data were analyzed using descriptive and ordinary logistic regression</em><em> methods. </em><em>&nbsp;</em><em>Results revealed that education level, gender, and alternative income sources </em><em>we</em><em>re major drivers of farmers' </em><em>market channel </em><em>choice</em><em>. </em><em>Secondary education significantly increas</em><em>ed</em><em> the likelihood of formal market participation. In contrast, male farmers and those with other sources of income relied more on informal channels. Likewise, </em><em>dealing with m</em><em>arket constraints and institutional </em><em>barriers positively </em><em>influenced the choice of an informal cashew nuts market channel. </em><em>The study concludes that policymakers and other actors should work collaboratively to improve the cashew nut </em><em>marketing </em><em>channel.</em></p> <p><strong><em>Keywords :</em></strong> <em>Market Channels; Logistic Regression; Demographic Factors; </em><em>Market Constraints; Institutional Barriers</em></p> Olivia Severine Kasabago, Joseph Magali, Mato Magobe ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/27397 Wed, 01 Jul 2026 05:21:43 +0000 Linking employee green behavior and green innovation to green human resource management: Insights from a construction company https://ejurnal.undana.ac.id/index.php/JEM/article/view/26842 <p><em>This study aims to examine the influence of employee green behavior and green innovation on green human resource management within a construction company context. A quantitative explanatory approach was employed, using survey data collected from employees and analyzed through partial least squares structural equation modeling. The findings indicate that both employee green behavior and green innovation play important roles in shaping green human resource management practices, with employee driven environmental behavior emerging as the more influential factor. Together, these variables explain nearly half of the variation in green human resource management, highlighting the importance of behavioral and innovation based mechanisms in institutionalizing sustainability practices. The study contributes to the literature by adopting a bottom up perspective, demonstrating that green human resource management may develop in response to employee actions and innovation initiatives rather than solely through managerial directives. This research is limited to a single organizational context, which may restrict generalizability. Future studies are encouraged to incorporate additional organizational factors and broader industry settings to enrich understanding of green human resource management development.</em></p> <p><strong><em>Keywords:</em></strong><em> Green Human Resource Management; Employee Green Behavior; </em><em>Green Innovation</em></p> Navila Amira Dewi, Furqon Syarief Hidayatulloh, Pudji Muljono ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/26842 Wed, 01 Jul 2026 05:24:18 +0000 The informal sector in eThekwini, South Africa: Challenges, opportunities and pathways to formalisation https://ejurnal.undana.ac.id/index.php/JEM/article/view/27611 <p><em>Against a backdrop of persistent unemployment and constrained access to formal labour markets, informal trading continues to function as a critical livelihood strategy for marginalised populations in South Africa. This study critically examines the challenges and opportunities associated with the informal sector in the Durban Central Business District (CBD). Adopting a qualitative descriptive design, the research explores the perspectives of three key stakeholder groups: government representatives, local communities, and informal traders. The findings reveal enduring structural, regulatory, and socio-economic barriers that hinder effective formalisation and sustainable sectoral development, despite the existence of policy interventions aimed at supporting informal economic activities. In addition, the study identifies gaps in stakeholder coordination, regulatory implementation, and urban governance that constrain the sector’s contribution to inclusive economic growth. Based on these findings, the study proposes a conceptual framework to guide collaborative stakeholder engagement and enhance the developmental and economic potential of the informal sector. The study contributes to the broader discourse on urban informality, inclusive development, and policy implementation in emerging economies by providing context-specific insights into the dynamics of informal trading in urban South Africa.</em></p> <p><strong><em>Keywords: </em></strong><em>Informal Economy</em><strong><em>; </em></strong><em>Formalisation; Economic Development; Unemployment</em></p> Marsha Gabriel, Krishna Govender ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/27611 Wed, 01 Jul 2026 05:28:23 +0000 Strategies to improve work discipline: Analysis of compensation, non-physical work environment, and training in a multibusiness companies in Gresik https://ejurnal.undana.ac.id/index.php/JEM/article/view/20365 <p><em>This study investigates the influence of compensation, non-physical work environment, and training on employee work discipline within a multi-business company located in Gresik. Grounded in human resource management and organisational behaviour perspectives, the study seeks to identify the key organisational factors that contribute to strengthening employee discipline in the workplace. A quantitative research design was employed using a purposive sampling technique involving 60 employees with fixed-term employment status. Primary data were collected through structured questionnaires and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings demonstrate that compensation exerts a positive and significant effect on employee work discipline, indicating that equitable and performance-oriented rewards contribute to higher levels of compliance and responsibility among employees. In addition, the non-physical work environment, including interpersonal relationships, communication climate, and organisational support, significantly enhances employee discipline. Training was also found to positively and significantly influence work discipline by improving employees’ competencies, awareness, and commitment to organisational standards. The study highlights the strategic importance of integrated human resource practices in fostering disciplined work behaviour and improving organisational effectiveness. These findings contribute to the broader literature on employee management and workplace performance, particularly within the context of developing economies and multi-sector business organisations.</em></p> <p><strong><em>Keywords:</em></strong><em> Work Discipline;&nbsp;Compensation; Non-Physical Work Environment; Training</em><em>&nbsp; </em></p> Luluk Syarofaddina Eldianty, Ika Korika Swasti ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/20365 Wed, 01 Jul 2026 05:32:19 +0000 The effect of product quality and brand image on purchase decisions https://ejurnal.undana.ac.id/index.php/JEM/article/view/23761 <p><em>Among MS Glow's Leles branch customers, this research looks at how product quality and brand image affect purchasing choices. Improving market positioning and maintaining customer loyalty in the fiercely competitive cosmetics sector requires a deep knowledge of consumer purchase behaviour variables. Using multiple linear regression analysis, this quantitative study examines the connection between product quality, brand image, and purchasing choices. One hundred MS Glow customers were polled using standardised questionnaires, and the results were evaluated via statistical methods. Both product quality and brand image have a favourable and substantial impact on customers' purchase choices, according to the data. A strong and positive brand image boosts customer confidence and buy intention, while high-quality goods promote consumer trust and satisfaction. The findings show that when choosing skincare products, customers care a lot about how the product works and how they feel about the brand. The significance of ongoing product innovation and strong brand management in gaining a competitive edge in the skincare and cosmetics industry is highlighted by these results. By offering data from the skincare business in Indonesia, this research adds to the expanding body of literature on customer behaviour and brand management.</em></p> <p><strong><em>Keywords:</em></strong> <em>Product Quality</em><em>; </em><em>Brand Image</em><em>; </em><em>Purchase Decisions</em></p> Siti Nurhasanah, Ismartaya Ismartaya, Endang Silaningsih ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/23761 Wed, 01 Jul 2026 05:37:26 +0000 The effect of organizational citizenship behavior (OCB) and work life balance (WLB) on turnover intention of generation Z workers in Semarang City https://ejurnal.undana.ac.id/index.php/JEM/article/view/24041 <p><em>This study examines the influence of Organizational Citizenship Behavior (OCB) and Work–Life Balance (WLB) on turnover intention among Generation Z employees in Semarang. Rising turnover intention among Generation Z workers has emerged as a critical organisational challenge, particularly as this cohort demonstrates distinct workplace expectations regarding recognition, flexibility, and career fulfilment. Employing a quantitative research design, the study collected data through structured questionnaires administered to 191 Generation Z employees working across various sectors in Semarang City. The data were analysed using multiple linear regression with the assistance of IBM SPSS Statistics. The findings reveal that Organizational Citizenship Behavior exerts a positive and significant effect on turnover intention, suggesting that employees who frequently engage in extra-role behaviours may experience increased dissatisfaction or emotional strain when such contributions are not adequately recognised or rewarded by the organisation. In contrast, Work–Life Balance was found to have no significant influence on turnover intention within the study context. These findings highlight the importance of organisational appreciation, recognition systems, and equitable treatment in retaining Generation Z employees. The study provides practical implications for human resource management, particularly in designing employee retention strategies that acknowledge voluntary employee contributions and align with the evolving expectations of younger workforce generations. Furthermore, the research contributes to the growing literature on generational workforce behaviour, employee retention, and organisational management in emerging economy contexts.</em></p> <p><strong><em>Keywords:</em></strong><em> Organizational Citizenship Behavior; Work Life Balance;Turnover Intention</em></p> Auliya Putri Nur Kholifah, Suhana Suhana ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/24041 Wed, 01 Jul 2026 05:40:39 +0000 The effect of work environment and motivation on job satisfaction levels among generation Z in Bandar Lampung https://ejurnal.undana.ac.id/index.php/JEM/article/view/24660 <p><em>This study investigates the influence of work environment and work motivation on the job satisfaction of Generation Z employees in Bandar Lampung, both individually and collectively. Employing a quantitative research design, data were collected through structured questionnaires administered to 240 respondents and subsequently analysed using statistical techniques. The findings reveal that both the work environment and work motivation exert positive and significant effects on employee job satisfaction. A supportive work environment, characterised by favourable interpersonal relationships, comfortable working conditions, and organisational support, was found to enhance employees’ sense of satisfaction and well-being. Similarly, work motivation contributed significantly to increasing employee enthusiasm, engagement, and positive attitudes toward work. The combined influence of these factors demonstrates their strategic importance in improving job satisfaction among Generation Z employees, a workforce cohort known for its distinct expectations regarding workplace culture, flexibility, and career fulfilment. These findings highlight the need for organisations to develop supportive workplace environments and effective motivational practices in order to strengthen employee satisfaction and retention. Nevertheless, the study is limited to respondents located in Bandar Lampung, which may restrict the broader generalisability of the findings. Future research is therefore recommended to expand the geographical scope and incorporate additional variables, such as organisational commitment, leadership style, or employee engagement, as mediating or moderating factors to provide a more comprehensive understanding of Generation Z workplace dynamics.</em></p> <p><strong><em>Keywords:</em></strong><em> Work Environment; Work Motivation; Work Satisfaction</em></p> Carolin Sintia Wibowo, Berlintina Permatasari ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/24660 Wed, 01 Jul 2026 05:48:20 +0000 The effect of attitude and subjective norm on intention to use and behavior to use QRIS with moderation of digital literacy of UNS students https://ejurnal.undana.ac.id/index.php/JEM/article/view/24354 <p><em>This study investigates the influence of attitude and subjective norm on the intention to use and actual usage behaviour of QRIS, with digital literacy serving as a moderating variable among students at Sebelas Maret University. Grounded in behavioural intention and technology adoption perspectives, the research seeks to understand the factors shaping students’ adoption of digital payment systems within the rapidly expanding cashless economy in Indonesia. Employing a quantitative descriptive research design, primary data were collected through structured questionnaires distributed via Google Forms using a four-point Likert scale. The study involved 385 active university students from the 2025/2026 academic year who had prior experience using QRIS. Data analysis was conducted using Structural Equation Modeling (SEM) with SmartPLS. The findings demonstrate that attitude exerts a positive and significant influence on students’ intention to use QRIS, indicating that favourable perceptions toward digital payment systems increase adoption intention. Subjective norm was also found to positively and significantly influence intention to use, suggesting that social influence and peer recommendations play an important role in shaping technology adoption behaviour among students. Furthermore, intention to use significantly affects actual QRIS usage behaviour, confirming the importance of behavioural intention as a predictor of digital payment utilisation. The study also reveals that digital literacy significantly strengthens the relationship between intention to use and actual usage behaviour, highlighting the critical role of digital competencies in facilitating effective adoption of financial technology services. These findings contribute to the growing literature on digital payment adoption, financial technology behaviour, and digital literacy within higher education contexts in emerging economies.</em></p> <p><strong><em>Keywords:</em></strong><em> Attitude; Subjective Norm; Intention to Use; Behavior to Use; </em><em>Theory of Reasoned Action (TRA); Digital Literacy&nbsp;; QRIS</em></p> Aulia Nur Arfani, Khresna Bayu Sangka ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/24354 Wed, 01 Jul 2026 05:50:04 +0000 Strategic management practices in small and medium enterprises: A comprehensive systematic literature review https://ejurnal.undana.ac.id/index.php/JEM/article/view/27208 <p><em>This research examines the extent to which small and medium-sized enterprises (SMEs) adopt strategic management practices throughout their organizational life cycle and identifies the key determinants influencing the selection of such practices. Given the critical role of SMEs in economic development and employment generation, understanding how these firms formulate and implement strategies is essential for enhancing their competitiveness and long-term sustainability. Employing a systematic literature review approach based on the PRISMA protocol, the study synthesizes evidence from research published between 2014 and 2024 in leading journals focusing on strategic management and small business management. The findings reveal that SMEs generally adopt less formalized and less structured strategic management processes than large corporations, primarily due to resource constraints, organizational flexibility, and managerial characteristics. However, SMEs compensate for this limitation through a greater reliance on visionary leadership, entrepreneurial orientation, and informal strategic decision-making processes that enable rapid adaptation to changing market conditions. The review further identifies a range of contextual and organizational factors that shape strategic management practices within SMEs, highlighting the unique nature of strategy formulation in smaller firms. By consolidating contemporary evidence on strategic management in SMEs, </em><em>this study adds to the growing body of literature in strategic management and entrepreneurship.</em><em>and provides a foundation for future research aimed at exploring the evolution, effectiveness, and contextual variations of strategic practices across different SME settings.</em></p> <p><strong><em>Keywords:</em></strong><em> Small Business; Strategic Management; Strategic Planning</em></p> Mesfin Gezahegn, Kiruble Bruck ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/27208 Wed, 01 Jul 2026 23:55:41 +0000 The influence of financial literacy and fintech payment behavior on healthy financial management behavior the mediating role of financial self-control among generation Z https://ejurnal.undana.ac.id/index.php/JEM/article/view/27836 <p><em>This study examines the influence of financial literacy and fintech payment behavior on healthy financial management behavior among Generation Z students, with financial self-control as a mediating variable. A quantitative approach was employed using a survey of 384 students in Cirebon. Data were analyzed using structural equation modeling to test the relationships between variables. The findings indicate that financial literacy and fintech payment behavior significantly influence healthy financial management behavior. Furthermore, financial self-control plays a crucial mediating role in strengthening these relationships. These results suggest that improving financial literacy and self-regulation are essential for developing responsible financial behavior. However, this study is limited to a specific geographic area, which may affect the generalizability of the results. Future research should expand the scope to diverse regions and include longitudinal data to better capture behavioral changes over time. Educational institutions and fintech providers should collaborate to promote financial education programs. </em></p> <p><strong><em>Keywords:</em></strong><em> Financial Literacy; Fintech Payment Behavior; Generation Z;&nbsp;</em><em>Financial Management Behavior; Financial Self-Control</em></p> Srikandi Pratama Agni Putri, Maiyaliza Maiyaliza ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/27836 Thu, 02 Jul 2026 00:27:08 +0000 Analysis of employee performance in wood processing companies: The role of competence, occupational safety and health, perceived organizational support, and employee engagement https://ejurnal.undana.ac.id/index.php/JEM/article/view/26838 <p><em>This study aims to examine the effect of competence, occupational safety and health, perceived organizational support, and employee engagement on employee performance in wood processing companies. The study employed a quantitative approach by distributing questionnaires to 125 production employees with a minimum of one year of work experience. Data were analyzed using </em><em>SmartPLS 3.0 </em><em>to assess the measurement model and examine the relationships among variables. The findings indicate that competence does not directly influence employee performance, whereas occupational safety and health, perceived organizational support, and employee engagement have a positive effect on performance. The model explains 68.4% of the variance in employee performance, highlighting the importance of organizational and psychological factors in enhancing performance. This study is limited to a single industry and relies on self-reported data. Future research is encouraged to apply different analytical approaches, expand respondent characteristics, and use more varied measurement instruments to provide more comprehensive insights.</em></p> <p><strong><em>Keywords:</em></strong><em> Competence; Occupational Safety And Health; Employee Engagement;&nbsp;</em><em>Perceived Organizational Support; Employee Performance</em></p> Feli Pramita Andraeni, Suyoto Suyoto, Fatmah Bagis, Nawalin Nazah ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/26838 Thu, 02 Jul 2026 05:41:19 +0000 Factors affecting green innovation among convection industry employees in West Jakarta https://ejurnal.undana.ac.id/index.php/JEM/article/view/26234 <p><em>This study aims to identify the factors that drive the emergence of green innovation among employees working in convection businesses located in West Jakarta. A quantitative descriptive approach was employed through the distribution of questionnaires to 100 respondents selected using a purposive sampling method. The findings reveal that several internal and external company elements contribute to enhancing environmentally friendly practices, such as the efficient use of raw materials, the development of sustainable products, and the firm’s ability to respond to environmentally conscious market demands. Nonetheless, not all organizational aspects were found to exert a significant influence, indicating that green innovation efforts still require stronger support, particularly in terms of leadership. This study is limited to a specific region and industrial characteristics, and therefore future research is recommended to expand the research context and incorporate additional factors to achieve a more comprehensive understanding.</em></p> <p><strong><em>Keywords: </em></strong><em>Green Human Capital; Green Structural Capital; Green Relational Capital; </em><em>Green Transformational Leadership; Green Innovation</em></p> <p><em>&nbsp;</em></p> Rani Herliyani, Netania Emilisa, Viona Kayla, Amanda Cantika Putri Efendhi, Marsha Anita Muhadi ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/26234 Thu, 02 Jul 2026 06:02:05 +0000 The influence of profitability and growth on dividend policy with firm size as a control variable in the oil and gas subsector listed on the Indonesian Stock Exchange for the 2020-2024 period https://ejurnal.undana.ac.id/index.php/JEM/article/view/28050 <p><em>This study aims to analyze the effect of profitability and company growth on dividend policy, with firm size as a control variable, in oil and gas subsector companies listed on the Indonesia Stock Exchange during the 2020–2024 period. The study employs a quantitative research approach using secondary data obtained from annual reports and applies logistic regression analysis.</em> <em>The findings indicate that profitability and company growth simultaneously affect dividend policy. Partially, profitability has a significant effect on dividend policy, whereas company growth does not have a significant effect. Furthermore, the results show that the independent variables explain 40.4% of the variation in dividend policy.</em> <em>These findings suggest that companies with higher profitability are more likely to distribute dividends, while company growth is not a primary consideration in determining dividend policy.</em></p> <p><strong><em>Keywords:</em></strong><em> Profitability; Growth; Firm Si</em><em>ze; Dividend Policy</em></p> Riyandi Riyandi, Hari Sulistiyo, Irvan Yoga Pardistya ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/28050 Thu, 02 Jul 2026 06:22:01 +0000 Empowering micro-enterprises by improving human resource skills through food entrepreneurship in Tuban District https://ejurnal.undana.ac.id/index.php/JEM/article/view/25010 <p><em>This study examines the empowerment of micro-enterprises through human resource (HR) skills development programmes in Tuban Regency, with a particular focus on food entrepreneurship initiatives implemented by the local government. Grounded in Theodore W. Schultz’s Human Capital Theory, the research analyses the effectiveness of training programmes in strengthening the capacity and competitiveness of micro-entrepreneurs. Employing a descriptive qualitative approach, data were collected through in-depth interviews, field observations, and documentation involving micro-business actors, MSME facilitators, and local government officials. The findings reveal that training programmes related to local product processing, business legality, and digital marketing have contributed positively to improving entrepreneurial competencies, business knowledge, and operational capabilities among micro-enterprise actors. These initiatives have enhanced participants’ readiness to compete within increasingly dynamic market environments and encouraged greater business sustainability. Nevertheless, the study also identifies several challenges, particularly regarding the need for stronger post-training assistance, mentoring, and more equitable access to empowerment programmes to ensure broader and more sustainable impacts. The study contributes to the literature on micro-enterprise development, human capital enhancement, and local economic empowerment by providing empirical insights into community-based entrepreneurship development in regional Indonesia.</em></p> <p><strong><em>Keywords: </em></strong><em>Human Resource Training; MSME Empowerment; Micro Enterprises</em></p> Ilma Afit Ardiana, Isa Anshori ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/25010 Fri, 03 Jul 2026 05:56:46 +0000 Impulsive buying behavior as the main driver of college students' intention to use buy now, pay later (BNPL) services https://ejurnal.undana.ac.id/index.php/JEM/article/view/24842 <p><em>This study examines the influence of financial parenting and impulse buying behavior on the intention to use Buy Now, Pay Later (BNPL) services among university students, with financial self-efficacy serving as a mediating variable. As BNPL services continue to gain popularity among younger consumers, understanding the behavioural and financial factors that drive adoption has become increasingly important for promoting responsible financial decision-making. Employing a quantitative research approach, data were collected from student respondents and analyzed to assess the direct and indirect relationships among the variables. The findings reveal that financial parenting does not significantly influence either financial self-efficacy or the intention to use BNPL services. Similarly, financial self-efficacy was found to have no significant effect on BNPL usage intention and did not mediate the relationship between financial parenting and BNPL adoption. In contrast, impulse buying behavior exerts a positive and significant influence on the intention to use BNPL, indicating that spontaneous purchasing tendencies are a primary driver of deferred-payment service adoption among students. These findings suggest that psychological and behavioural factors may play a more influential role than financial socialization or self-confidence in financial management when shaping BNPL usage intentions. The study contributes to the growing literature on consumer finance, financial technology adoption, and youth financial behaviour by highlighting the importance of addressing impulsive consumption tendencies through targeted financial education and responsible spending initiatives to reduce future financial vulnerability.</em></p> <p><strong><em>Keywords:</em></strong> <em>Buy Now Pay Later (BNPL)</em><em>;</em><em> Financial Parenting; Financial Self-Efficacy</em><em>;</em><em>Impulsive Buying; Intention to Use BNPL</em></p> Dewi Khornida Marheni, Felix Fajar Natanael Panjaitan, Yulfiswandi Yulfiswandi ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/24842 Fri, 03 Jul 2026 07:09:43 +0000 The influence of digital marketing and brand image on customer loyalty through customer satisfaction as an intervening variable on fashion money alter PT. Mae Abadi Evolusi Bogor City https://ejurnal.undana.ac.id/index.php/JEM/article/view/23787 <p><em>This study examines customer loyalty toward Money Alter fashion products produced by PT Mae Abadi Evolusi in Bogor by investigating the influence of digital marketing and brand image, with customer satisfaction serving as a mediating variable. A descriptive quantitative approach was employed in this research, involving 150 respondents. Path analysis was used to assess both the direct and indirect relationships among the variables under study. The findings indicate that digital marketing and brand image have a positive and significant effect on both customer satisfaction and customer loyalty. Furthermore, customer satisfaction plays an important role in enhancing customer loyalty, highlighting its significance in fostering long-term customer relationships. Customer satisfaction was also found to effectively mediate the relationship between digital marketing, brand image, and customer loyalty. It can therefore be concluded that effective digital marketing strategies and a strong brand image contribute to the enhancement of customer loyalty through increased customer satisfaction. These findings emphasize the importance of integrating digital marketing practices and brand management to strengthen customer retention and achieve a competitive advantage in the fashion industry.</em></p> <p><strong><em>Keywords</em></strong><em>: Digital Marketing; Brand Image; Customer Loyalty; Customer Satisfaction</em></p> Dwi Gemina, Yulianingsih Yulianingsih, Desi Fitria Ningsih ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/23787 Fri, 03 Jul 2026 07:22:25 +0000 The influence of workload, work-life balance, and role conflict on the performance of employee students (DLC) at Stikubank University Semarang https://ejurnal.undana.ac.id/index.php/JEM/article/view/24027 <p><em>This study examines the influence of workload, work–life balance, and role conflict on the performance of student employees at Stikubank University. In the context of increasing academic and occupational demands, student employees often face challenges related to balancing educational responsibilities and work commitments, which may affect their overall performance. Employing a quantitative research design, data were collected through structured questionnaires distributed to 100 respondents selected using purposive sampling techniques. The data were analysed using IBM SPSS Statistics. The findings reveal that workload and work–life balance exert positive and significant influences on employee performance, with work–life balance emerging as the most dominant factor in enhancing the performance of student employees. These results indicate that effective management of time, personal well-being, and work responsibilities contributes substantially to maintaining productivity and performance among working students. In contrast, role conflict was found to have no significant effect on performance, suggesting that student employees were generally capable of managing their dual roles without substantial disruption to their work outcomes. The study highlights the strategic importance of balancing academic and occupational responsibilities and contributes to the broader literature on student employment, work–life balance, and human resource management in higher education contexts.</em></p> <p><strong><em>Keywords:</em></strong><em> Workload; Work-Life Balance; Role Conflict; </em><em>Performance</em></p> Leony Anggita Maharani, Suhana Suhana ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/24027 Fri, 03 Jul 2026 07:41:55 +0000 The influence of self efficacy and motivation on work readiness among students in the office administration education program at Surabaya State University https://ejurnal.undana.ac.id/index.php/JEM/article/view/28054 <p><em>This study aims to analyze the role of self-efficacy and motivation in shaping students’ work readiness. A quantitative approach with an explanatory design was used to test the causal relationships among the variables. The study population consisted of 189 students from the 2022 cohort of the Office Administration Education Program at Surabaya State University, with a sample of 128 respondents selected through proportional random sampling. Data collection was conducted using an online Likert-scale questionnaire, which was then analyzed using multiple linear regression with SPSS version 25. The results indicate that self-efficacy and motivation have a positive and significant effect on work readiness, both partially and simultaneously, with a combined contribution of 63.5%. These findings confirm that belief in one’s own abilities and internal motivation play a crucial role in preparing students to enter the workforce. A limitation of this study lies in the limited scope of the respondents; therefore, further research is recommended to involve a broader sample and relevant additional variables.</em></p> <p><strong><em>Keywords:</em></strong><em> Self Efficacy; Motivation; Work Readiness; Students; </em><em>Office Administration Education</em></p> Meylina Puspitaningsih, Ruri Nurul Aeni Wulandari ##submission.copyrightStatement## https://ejurnal.undana.ac.id/index.php/JEM/article/view/28054 Fri, 03 Jul 2026 08:36:53 +0000