Jurnal Ekonomi Teknologi dan Bisnis (JETBIS)
Jurnal Ekonomi, Teknologi dan Bisnis is a double blind peer-reviewed academic journal and open access to social and scientific fields. The journal is published monthly by Al-Makki Publisher. Jurnal Ekonomi, Teknologi dan Bisnis provides a means for sustained discussion of relevant issues that fall within the focus and scopes of the journal which can be examined empirically. The journal publishes research articles covering all aspects of Economic, Technology and Business, ranging from Economics, Management, Accounting, entrepreneurship, Business, MSME, Agriculture and Technology that belong to the Economic, Technology and Business context. Name: Jurnal Ekonomi, Teknologi dan Bisnis E-ISSN : 2962-9330 P-ISSN : 2964-903X DOI : Crossref Period : Monthly Indexing and Abstracting : Dimension, Google Scholar, Garuda, Copernicus Hijau, BASE, Crossref, EBSCO Publication Guidelines : COPE Guidelines Publisher : Al-Makki Publisher Society/ Institution: Cairo University, Mesir
Design and Application of the Production Information System at PT Datang DSSP Power Indonesia
This study investigates the design, implementation, and evaluation of a real-time Production Information System (PIS) developed for PT Datang DSSP Power Indonesia, a joint-venture corporation operating three coal-fired power plants. Increasing operational complexity in thermal power generation demands integrated monitoring solutions that enhance production efficiency, strengthen safety management, and improve decision-making processes. This research aims to develop and assess a PIS capable of delivering real-time production data while supporting centralized supervision through a set of interconnected technological modules. The study employs a system design approach based on operational requirements, phased technological implementation, and functional performance evaluation. The proposed PIS integrates four core components: a site-wide Closed-Circuit Television (CCTV) system, real-time production data acquisition and upload, a video conferencing platform, and secure broadband connectivity enabling reliable data transmission to the corporate headquarters. The implementation of the PIS demonstrates substantial improvements in production efficiency, safety monitoring, and resource allocation. The system enhances cross-site visibility, supports faster situational assessment, and accelerates strategic decision-making within the organization. Overall, the findings provide a valuable reference for developing integrated monitoring and information systems in the thermal power generation industry and highlight the broader applicability of such systems to other technology-driven energy sectors.
Generation Z's Perceptions of the Practicality and Convenience of Online Shopping
This study aims to analyze Generation Z's perceptions of the practicality and convenience of online shopping through various e-commerce platforms such as Shopee and TikTok Shop. Generation Z is known as a generation of digital natives who are familiar with technology and have a high tendency to shop online because it is considered faster, easier, and more efficient than conventional shopping. The research method used was descriptive qualitative with five respondents selected by purposive sampling. Data were collected through an open questionnaire containing ten questions about experiences, views, and motivations for online shopping. The results showed that practicality, time efficiency, and promotions were the dominant factors that increased the convenience of shopping. The respondents considered that online shopping facilitated their daily activities because it could be done anytime without having to leave the house. Trust factors, such as transaction security and product review reliability, also played an important role in shaping positive perceptions of online shopping. In addition, the availability of promotions, discounts, and free shipping had a significant influence on purchasing decisions. This study concludes that the combination of ease of access, economic value, and security are the main factors that shape Generation Z's perception of the convenience and practicality of online shopping in the digital age.
Generation Z, Online Shopping, Perception, Practicality, Convenience
Copyright (c) 2025 Budiana Budiana, Fitri Faujiah, Aldiansyah Aldiansyah
Effectivenessof Micro-Influencer Collaboration on Engagement and Brand Awareness: A Case Study of the Instagram Account of LSPDitekindo (@ditekindo)
Professional Certification Institutions (LSP) require effective digital communication strategies to reach their target audiences in the digital age. LSP Ditekindo's Instagram performance is not yet optimal, with low engagement rates and limited awareness conversion, thus requiring the right influencer collaboration strategy. This study aims to identify and describe the collaboration strategy between LSP Ditekindo and influencers in improving Instagram account performance, as well as evaluate the effectiveness of collaborative content in building engagement and brand awareness. The study uses a mixed-method approach, collecting quantitative data from Instagram Insights and qualitative data through interviews. The analysis was conducted using a descriptive comparative method, calculating the engagement rate using the formula (Total Interactions/Total Reach & Impressions) × 100%. The collaboration with influencer Lukman Acep Nul Hakim resulted in significant improvements: followers increased by 190 (0.81%), likes surged by 5,050%, Reach & Impressions rose by 277%, and the total engagement rate increased from 0.02% to 4.78%. LSP Ditekindo achieved an “Excellent” status across three industry benchmarking indicators in the B2B sector. The results validate the Trust Transfer Theory, Social Proof Theory, and Uses and Gratifications Theory, with key success factors including the accuracy of influencer selection, the authenticity of message delivery, and strategic timing.
Copyright (c) 2025 Aurelia Widya Astuti, Satrio Rafli Firmansah, Mamduh Rihadatul Aisy, Rega Slamet Riyadi
Analysis of Determinant Factors of Operational Efficiency of Mass Transportation Modes and Their Implications for Social Welfare (Case Study of Urban Transport Networks)
The operational efficiency of mass transportation is a critical factor in urban mobility, with significant implications for social welfare. However, many cities in developing countries face challenges in achieving optimal efficiency, impacting service quality and community accessibility. This study aims to analyze the determinant factors of operational efficiency in urban mass transportation modes and examine their implications for social welfare in the context of Indonesian cities. Employing a quantitative approach, this research utilized Data Envelopment Analysis (DEA) and multiple regression methods to evaluate 15 urban transportation corridors across Jakarta, Surabaya, and Bandung during the 2022-2024 period. Data were collected through direct observation, surveys of 1,200 passengers, and in-depth interviews with operators and regulators. The analysis revealed that service frequency, load factor ratio, and fleet quality are the dominant factors affecting operational efficiency, collectively contributing 68.4% to efficiency variations. Operational efficiency demonstrated a strong positive correlation with accessibility for low-income populations (r=0.742) and contributed to reducing household transportation costs by up to 23.6%. Furthermore, efficient corridors showed significantly lower carbon emissions (0.68 kg CO? per passenger-km) compared to inefficient corridors. The findings underscore the crucial relationship between transportation operational efficiency and social welfare outcomes. To maximize both efficiency and social benefits, policymakers should prioritize fleet modernization, optimize operational schedules, and enhance system integration through coordinated tariff structures and infrastructure development.
Indonesian Islamic Banking and Finance: Responding to Digital Disruption Through Maqosid Integration and Product Innovation
Indonesian Islamic banking and finance face major challenges amid digital disruption driven by fintech, blockchain, open banking, and crypto assets. These rapid developments create opportunities for financial inclusion and product innovation but also introduce risks of sharianon-compliance, weak regulation, and declining public trust. This study explores Islamic banking strategies in responding to these challenges through the integration of maqosid al syari'ah product innovation, while recommending therenewal of OJK regulations and DSN-MUI fatwas. Using a qualitative approach with SWOT analysis on academic literature, regulatory reports, and shariafatwas, this research identifies that the main strength of Islamic banking lies in its sharialegitimacy and support from the Muslim community. However, weaknesses persist in low shariadigital literacy and regulatory lag. Opportunities arise from blockchain technology, digital payments, and hybrid instruments like digital sukuk, whereas threats emerge from conventional fintech competition and shariareputation risks. Integrating maqosid al syari'ah strengthens digital product innovation through principles of property protection (hifz al-mal), intellectual protection (hifz al-mal), and life protection (hifz al-mal). The findings highlight the need for maqosid based, technology-adaptive regulations and responsive shariafatwasto ensure compliance and innovation. Consequently, Indonesian Islamic banking can sustain growth, enhance competitiveness, and strategically navigate the evolving digital landscape.
Analysis Of Technology Needs Of Msmes In The Fisheries Industry In Pekalongan City: A Digital Transformation-Based Approach And Increasing Competitiveness
Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in local economic development, including the fisheries sector in Pekalongan City. However, low adoption of modern technology hampers productivity and competitiveness of fisheries MSMEs in this region. This study aims to identify the most pressing technological needs and assess the readiness of fisheries MSMEs to adopt digital transformation. The research method used a mixed methods approach through a survey of 30 MSMEs, in-depth interviews with stakeholders, and field observations. Data were analyzed using descriptive statistics, GAP analysis, Technology Readiness Level (TRL), and SWOT analysis. The research results show that the majority of MSMEs (86%) have not utilized digital technology in their production, packaging, or marketing processes. Three key technological needs identified include: (1) renewable energy-based drying machines to increase production efficiency; (2) vacuum packaging equipment to maintain product quality and extend shelf life; and (3) digital marketing and e-commerce platforms to expand market access. The main inhibiting factors are low digital literacy, limited capital for technology investment, and minimal training and technical assistance. These findings align with previous studies that emphasized the importance of digital transformation as a key to improving the competitiveness of fisheries MSMEs. This research recommends several strategies, including routine technology-based training, facilitating financing for technological equipment procurement, and strengthening partnerships between MSMEs, the government, and local technology startups. In conclusion, accelerating digital transformation through appropriate technology can significantly increase the productivity and competitiveness of fisheries MSMEs in Pekalongan City, as well as support the achievement of sustainable development goals (SDGs) in the areas of industrial innovation and decent work.
Copyright (c) 2025 Wisman Indra Angkasa, Tabrani Tabrani
The Utilization of Funnel Marketing in Increasing Customer Lifetime Value at LKP Syntax Training Center
In the era of digital transformation, training institutions are required not only to attract new participants but also to build long-term relationships. Funnel marketing is an effective strategy, directing potential participants from awareness to becoming loyal customers. This study explores the application of funnel marketing to increase customer lifetime value (CLV) at LKP Syntax Training Centre, a certified training institution in Indonesia. Using a blended approach with a case study design, data was collected through digital marketing and management team interviews, promotional documentation analysis, and CRM data related to conversions, retention, and repurchases. The results show that at each stage of the funnel—awareness through educational content and digital advertising, interest through webinars and email nurturing, decisions through certification promo programs, and retention through loyalty programs and communication automation—can increase CLV, with retention being the most crucial stage, contributing 35% to repeat revenue. Research confirms that a systematic funnel marketing strategy can create a more meaningful participant experience, encourage repurchase, and extend relationships with institutions. Practical implications include strengthening content in the early stages to attract relevant participants as well as leveraging automation and data analytics to maintain loyalty. These findings are expected to be a strategic reference for other training institutions in optimizing digital marketing with a long-term impact.
Digitalization of Traditional Markets in Indonesia: Measuring the Impact of Government E-Marketplace Applications on Merchant Financial Turnover and Inclusion (Structural Equation Modeling - SEM Approach)
The wave of digital transformation and competition with private e-commerce threatens the existence of Indonesia's traditional market. In response, the government launched a special e-marketplace application to digitize traders' operations. However, the effective impact of such applications on traders' economic performance and financial inclusion has not been comprehensively measured. This study aims to analyze the factors that affect the adoption of government e-marketplace applications and measure the direct and indirect impact of their use on increasing the turnover of traditional traders by examining the role of financial inclusion as a mediator. This quantitative research uses the Structural Equation Modeling (SEM) approach. The data was collected through a questionnaire of 300 traditional traders in several major cities who had used government apps. The data analysis technique was carried out by path analysis and mediation test. Perception of usefulness and social support have been shown to significantly affect the use of the app, while ease of use is insignificant. The use of applications has a significant positive impact on increasing turnover, both directly and indirectly. Key findings reveal that financial inclusion acts as a very strong partial mediator, with most of the impact on turnover transmitted through increased access to digital finance. The success of traditional market digitization is highly dependent on the integration of financial features in digital platforms. The implication of the policy is the need to focus on socializing economic benefits, collaboration with financial service providers, and technical assistance for traders. This strategy not only increases turnover but also accelerates financial inclusion in the informal sector.
Sustainable Business Model Post-Fuel Subsidy: MSME Strategies in Adopting Green Energy Technology to Increase Efficiency and Competitiveness (Study on Culinary and Fashion MSMEs
The revocation of fuel subsidies creates significant economic pressure on MSMEs, especially the culinary and fashion sectors, through increased operational costs that erode competitiveness. The transformation towards a sustainable business model through the adoption of green energy technology is an urgent need to build business resilience. This study aims to: (1) Analyze the impact of the revocation of fuel subsidies on the cost structure and competitiveness of MSMEs; (2) Identify the most feasible green energy technologies; (3) Formulate an integrated sustainable business model. The research uses a mixed-methods explanatory sequential approach. Quantitative data was collected through a survey of 301 MSMEs, followed by in-depth interviews and FGDs for qualitative data. Data analysis uses inferential statistics and thematic analysis. The increase in fuel increased the operating costs of culinary and fashion MSMEs by an average of 22.3% and 18.7%. Small-scale solar panels are the most technically feasible (score 4.2/5), while biomass stoves are the most economically feasible (ROI 25-35%). Successfully formulated a "Green-Driven Circular Model" based on three pillars: operational efficiency, green value proposition, and multi-stakeholder collaboration. The adoption of green energy technology has proven to be effective as a post-subsidy adaptation strategy. The implementation of a sustainable business model requires collaboration between the government (incentives), technology providers (mentoring), and MSMEs. The findings of this study provide strategic guidance for MSMEs and policy makers in the transition to a green economy.
Creative Economy Dynamics in the Era of Algorithmic Culture: Indonesia's Content Creator Strategy in Monetizing Content on TikTok and YouTube Shorts Platforms (Behavioral Economics Approach)
The development of Indonesia's digital creative economy is increasingly influenced by algorithmic culture, where platforms such as TikTok and YouTube Shorts dictate the visibility and monetization of content. Content creators are required to constantly adapt to the uncertain logic of platforms, creating unique and complex economic dynamics. This research aims to: (1) Map the monetization strategy of Indonesian content creators on the TikTok and YouTube Shorts platforms; (2) Analyze the influence of algorithmic culture on their economic decision-making; and (3) Explain the strategy through a behavioral economics approach. The research used the mixed-methods method sequentially (explanatory sequential). Qualitative data was collected through in-depth interviews with 20 content creators and content analysis. Quantitative data was obtained through a survey of 200 respondents to test the qualitative findings. Research reveals that creators adopt highly diversified monetization strategies to overcome algorithmic uncertainty. High levels of algorithmic literacy correlate with more consistent income. Key findings suggest that economic decision makers are heavily influenced by cognitive biases such as present bias (prioritizing instant rewards) and optimism bias (excessive expectations of viral success). In conclusion, a monetization strategy is a form of behavioral adaptation to algorithmic pressures. The implications of the findings highlight the need for improved algorithm literacy and policy support to create a more sustainable and less platform-dependent creative economy ecosystem, as well as the importance of behavioural economics approaches in understanding the platform economy.
The Influence of Visa-on-Arrival and Digital Nomad Policies on Local Economic Growth: A Study on Super Priority Tourism Destinations in Post-G20 Indonesia
Indonesia's G20 Presidency in 2022 was followed by a breakthrough policy to expand Visa-on-Arrival (VoA) and was taken advantage of by the global digital nomad wave. This phenomenon has the potential to be a catalyst for economic recovery, especially in Super Priority Tourism Destinations, but its empirical impact has not been measured. This study aims to analyze the influence of VoA and digital nomad policies on local economic growth, map their contributions, and evaluate their effectiveness in post-G20 priority destinations. The study uses a mixed-methods approach with a sequential explanatory design. Quantitative data (questionnaires, BPS time series data) were analyzed statistically descriptive and inferential, while qualitative data (interviews, FGDs) were analyzed thematically. The study was conducted in five Super Priority Destinations. The VoA policy contributed significantly to the recovery of tourist visits (+250.6% yoy, 2022), but the impact was uneven and concentrated in destinations with mature infrastructure such as Bali. Digital nomads contribute 2.8 times more than ordinary tourists with unique spending patterns (long-term rentals, co-working spaces, daily necessities), creating a steady economic flow but fueling gentrification challenges. There is a positive synergy between VoA and digital nomads in boosting the local economy. For inclusive and sustainable growth, policy interventions such as special digital nomad visas, MSME liaison programs, and gentrification mitigation regulations are needed. The implications of the findings are the basis for strategic policy recommendations for stakeholders.
Business Model Innovation Strategy To Increase Business Resilience In The Retail Sector In The Era Of Digital Disruption (Case Study In 2023)
The global retail sector is undergoing a fundamental transformation due to digital disruption, which is changing consumer behavior and demanding adaptation of business models. Business resilience is critical in this era, where companies must be able to innovate to survive and grow. Business Model Innovation (BMI) is emerging as a key strategy to meet these challenges, especially in the context of increasingly complex competition post-pandemic. This study aims to identify the forms of BMI adopted by retail companies in 2023, analyze their contribution to business resilience, and formulate a BMI strategic framework to improve business resilience in the retail sector. The study used a qualitative approach with a holistic single case study design on one national retail company in Indonesia. Data is collected through in-depth interviews, observations, and document studies, thematically analyzed with the help of NVivo or Atlas.ti software. The implementation of BMI through the integration of omnichannel strategies, data-driven personalization, the development of multiple revenue streams, and the development of a digital ecosystem has been proven to increase business resilience. This innovation increases operational agility, customer engagement, and competitive advantage. BMI's strategy is effective in building retail business resilience in the digital era. The implication is that business actors need to integrate digital technology, agile business models, and a culture of innovation to achieve sustainable resilience.
Analysis Of The Impact Of Exchange Rate (Exchange) Policy And Inflation On The Composite Stock Price Index (Jci) In Indonesia In 2023
The Indonesian capital market, represented by the Jakarta Composite Stock Price Index (JCI), faces significant turmoil in 2023 triggered by global uncertainty, fluctuations in the Rupiah (USD/IDR) exchange rate, and inflation rate dynamics. The interaction of these two macroeconomic variables on the performance of the JCI in the post-pandemic context and global monetary tightening requires an in-depth analysis. This study aims to analyze the simultaneous and partial influence of exchange rates and inflation on the movement of JCI in Indonesia during the 2023 period, as well as identify which variables have the dominant influence. This study uses a quantitative approach with multiple linear regression analysis methods of monthly time-series data from January to December 2023. Secondary data was obtained from Bank Indonesia, the Central Statistics Agency (BPS), and the Indonesia Stock Exchange (IDX). Data analysis includes classical assumption tests and hypothesis tests with the help of IBM SPSS Statistics software. The results of the study show that simultaneously, the exchange rate and inflation have a significant effect on the JCI (sig. 0.000). Partially, both variables had a negative and significant effect, with the exchange rate (coefficient -0.432; sig. 0.008) having a more dominant influence than inflation (coefficient -0.298; sig. 0.047). It is concluded that the exchange rate is the dominant factor affecting the JCI in 2023. These findings imply the importance of exchange rate stabilization policies by monetary authorities and the need for investors to consider the sensitivity of the capital market to external factors in investment decision-making.
The Impact Of E-Wallet And Social Media Adoption On The Financial Performance Of Culinary Msmes In Indonesia Post-Covid-19 Pandemic
The COVID-19 pandemic has forced culinary MSMEs in Indonesia to accelerate the adoption of digital technology, especially e-wallets and social media, in order to survive and adapt to changes in consumer behavior. However, the continued impact of this adoption on financial performance in the post-pandemic era still needs to be further researched. This study aims to analyze the partial influence of e-wallet adoption, the partial influence of social media adoption, and the synergistic influence of both on the financial performance of culinary MSMEs in post-pandemic Indonesia. This quantitative research uses an online questionnaire of 425 culinary MSME actors selected using the purposive sampling technique. Data were analyzed using multiple linear regression analysis to test the relationships between variables. The results of the study prove that the adoption of e-wallets and social media individually has a positive and significant effect on financial performance. The most important finding revealed that the synergy of the two technologies had a greater impact, being able to explain 58.9% variation in improving financial performance through the creation of an integrated digital ecosystem. This study concludes that the adoption of e-wallets and social media does not only contribute individually, but most importantly the synergy between the two in creating a digital ecosystem that is able to transform business operations and marketing of culinary MSMEs, which ultimately leads to sustainable financial performance improvements post-pandemic. The practical implications emphasize the need for an integrated strategic approach in the adoption of digital technologies.
Digital Business Models In The Development Of Modern Agriculture: An Empirical Study In Farmer Communities
This research aims to analyze the application of digital business models in the development of modern agriculture, with a focus on the farming community in Cirebon Regency. The background of the research is based on the fact that the agricultural sector in Indonesia still faces various challenges such as low productivity, limited market access, and dependence on traditional distribution chains. Digital transformation is believed to be able to be a strategic solution to increase efficiency, expand market access, and strengthen the competitiveness of smallholders. This study uses a qualitative approach with a case study design. Data was collected through in-depth interviews with farmer group leaders and digital assistants, distribution of questionnaires to farmers who have participated in digitalization training, and field observations during one planting cycle. The results of the study show that the digital business model provides real benefits in the form of increased online market access, production recording efficiency, and local innovation opportunities. However, significant barriers remain, especially the limitations of digital literacy, internet infrastructure, and social resistance. Community-based adaptation strategies, such as the role of millennial farmers as digital agents and peer learning systems, have proven effective in supporting the transformation process. This study concludes that digital business models have great potential in strengthening the sustainability of modern agriculture, noting that there is more comprehensive ecosystem support.
Bio-Inspired Computing-Based Multi-Objective Optimization For Sustainable Manufacturing In The Industry 4.0 Era
This study aims to evaluate the contribution of bio-inspired computing towards the sustainability of manufacturing systems in the context of Industry 4.0. Using quantitative and design approaches, data were collected from 100 professional respondents in the manufacturing sector through questionnaires and structured interviews. Statistical analysis was performed using Pearson correlation, linear regression, t-test, and ANOVA with the help of SPSS software. The results showed a very strong and significant relationship between the use of bio-inspired algorithms, such as Particle Swarm Optimization (PSO), with energy efficiency (r = 0.872), production level (r = 0.723), and environmental sustainability (r = 0.790). Linear regression showed that the use of the technology explained 76.1% of the variability in energy efficiency (R² = 0.761; p < 0.001). The ANOVA results also showed significant differences between groups of technology users in terms of efficiency achievements. These findings indicate that bio-inspired computing can be an important strategy in digital transformation and more sustainable decision-making. This study contributes to developing multi-objective optimization theory and provides practical implications for industrial management in implementing adaptive and environmentally friendly technologies.
The Role of the Circular Economy in Improving the Sustainability of the Creative Industry in Indonesia
This research aims to analyze the role of the circular economy in improving the sustainability of the creative industry in Indonesia. The background of the research departs from global problems related to high material consumption and waste, as well as the significant contribution of the creative sector to the national Gross Domestic Product (GDP). Although the concept of the circular economy is increasingly recognized internationally, its implementation in Indonesia's creative industry is still limited and partial. This study uses a qualitative approach with an exploratory case study design. The subjects of the study were 15 business actors in the fashion, crafts, and culinary subsectors in Jakarta, Bandung, Yogyakarta, and Surabaya. Data were collected through in-depth interviews, licensed employee questionnaires, participatory observations, and documentation studies, and were thematically analyzed. The results of the study show that the implementation of the circular economy in the creative sector is more focused on the use of residual materials, the use of recycled materials, and the replacement of environmentally friendly packaging. The main obstacles include cost limitations, lack of market incentives, and low consumer literacy. The findings also confirm variations across subsectors: fashion excels in the use of leftover fabrics, crafts in recycled materials, and culinary in plastic reduction. The implications of this study emphasize the importance of integrating circular principles into business strategies, employee education, and government policy support. This is expected to accelerate the transition to a more competitive, sustainable, and adaptive creative industry to global demands.
Monetary Policy Dynamics and Macroeconomic Stability: A Post-Pandemic Empirical Study in Indonesia
The COVID-19 pandemic has caused a significant shock to global economic stability, including Indonesia, through growth contractions, soaring inflation, and exchange rate volatility. This research aims to analyze the dynamics of monetary policy and its influence on Indonesia's macroeconomic stability in the post-pandemic period. Using a qualitative approach through in-depth interviews, questionnaires to 120 licensed employees in the financial sector, as well as observations of macroeconomic indicators, the study yielded several important findings. First, monetary policy, especially the adjustment of the benchmark interest rate (BI7DRR), has proven effective in suppressing inflation from 5.5% in 2022 to 3.2% in 2023, while maintaining the stability of the rupiah exchange rate in the range of Rp14,800-Rp15,500 per USD. Second, the results of the questionnaire showed that 73% of respondents considered monetary policy effective in controlling inflation and 81% considered the exchange rate stable, but only 62% of respondents assessed that the policy encouraged MSME credit recovery. Third, the results of the interviews emphasized the importance of coordinating monetary and fiscal policies, especially in energy and food price controls, to support short- and medium-term stability. These findings confirm that while monetary policy plays an important role in maintaining macro stability, its limitations to real sector recovery demand cross-policy synergy. This research provides an academic contribution in the form of integration of empirical data and practitioner perceptions, as well as practical implications for the formulation of adaptive, collaborative, and inclusive monetary strategies in the midst of post-pandemic global dynamics.
Sistem Agen AI (Agentic AI) sebagai Mitra Produktivitas UMKM di Indonesia
MSMEs are the backbone of the Indonesian economy, yet their productivity remains hampered by limited resources, digital readiness, and business process governance. The emergence of agentic AI, artificial intelligence-based agents capable of autonomously planning, remembering, and executing tasks, offers opportunities to reduce administrative burdens and improve workflow efficiency. This study aims to map the opportunities and barriers to implementing agentic AI in MSMEs, design an Agentic-MSME Alignment (AUA) framework, and examine its impact on productivity and service quality indicators. A mixed-methods approach was used, including surveys of 30 MSMEs in three major cities, in-depth interviews with 10 MSMEs, observations of AI prototype implementations, and system log analysis. Data were analyzed using paired sample t-tests and thematic analysis to validate the results. The findings show significant improvements in time efficiency, sales, and customer satisfaction. Interviews confirmed that the greatest benefits were accelerated customer response and reduced administrative burden, although concerns were raised about data privacy and output errors. The integration of the AUA framework has been shown to strengthen transparency, reduce administrative errors, and encourage a new division of labor between AI and humans. This study provides empirical evidence that agentic AI can be a productivity partner for MSMEs, provided there is increased digital literacy, ethical governance, and community support. This research contribution not only broadens academic knowledge on AI in MSMEs but also offers practical guidance for developing inclusive digital transformation policies and strategies in Indonesia.
E-Commerce and Consumer Behavior: A Comparative Study of Local and Global Marketplaces in Indonesia
The development of e-commerce in Indonesia has driven significant changes in consumer behavior. Local marketplaces such as Tokopedia, Shopee, and Bukalapak compete fiercely with global marketplaces such as Amazon, eBay, and AliExpress. This study aims to: (1) compare consumer behavior in local and global marketplaces, (2) identify the main factors influencing consumer preferences, and (3) analyze the impact of trust variables, security, product variation, and service quality on purchase decisions. The method used is qualitative research with a comparative study approach. Data was collected through in-depth interviews, observations, and documentation, then analyzed with Miles and Huberman's interactive model. The results show that trust and transaction security are the most dominant factors in influencing purchase decisions, followed by ease of use and quality of customer service. Local marketplaces are superior in terms of trust and convenience of transactions, while global marketplaces are stronger in product variety. The conclusion of this study is that Indonesian consumer behavior is more determined by trust and security factors, not just product or price variation. The practical implication is that local marketplaces need to expand product variety to be more competitive, while global marketplaces need to adapt payment methods and customer service according to the needs of Indonesian consumers.
Sharing Economy-Based Business Model Innovation: Challenges and Opportunities in the Society 5.0 Era
The sharing economy has become a global phenomenon that is able to change the traditional business paradigm towards a collaboration-based model. In the context of Society 5.0, the sharing economy is not only seen as a technological innovation, but also as a human-centered society development strategy that emphasizes a balance between economic progress and social problem solving. This research aims to: (1) identify potential sharing economy business model innovations, (2) analyze implementation challenges and opportunities, and (3) formulate synergy strategies with Society 5.0. The research method used is qualitative descriptive, with data collection through in-depth interviews, observations, and documentation studies. Data analysis was carried out using Miles & Huberman's interactive model which includes data reduction, data presentation, and conclusion drawn. The results of the study show that innovations such as pay-per-use, peer-to-peer lending, ride sharing, and coworking space dominate the development of the sharing economy. The main challenges in implementation lie in regulations, digital literacy gaps, limited human resources, and low public trust. However, greater opportunities open up through the use of cutting-edge technology, increased digital literacy, and the implementation of adaptive regulations. The implications of this study show that with strategies to strengthen regulations, inclusive digital transformation, and increase technology-based trust, the sharing economy can be the main driving force for inclusive and sustainable economic development within the framework of Society 5.0.
Disaster Capitalism: An Analysis of Financial Networks and Speculative Market Dynamics in the Climate Crisis (Disaster Capitalism: An Analysis of Financial Networks and Speculative Market Dynamics in the Climate Crisis)
The global climate crisis has become a new frontier for capitalist expansion through disaster-based speculative markets. This study aims to analyze how global financial networks and instruments such as catastrophe bonds and carbon credits are utilized to accumulate capital from climate uncertainty. Employing a qualitative approach with a critical case study design, data were collected through in-depth interviews, participatory observation, and document analysis of policy and financial reports. The findings reveal that disaster capitalism exacerbates adaptation inequality between developed and developing countries and distorts climate policy responses through risk narratives manipulated for financial gain. These insights highlight the urgent need for community-based alternatives and equitable global regulation to ensure a just and sustainable climate response.
Copyright (c) 2025 Jurnal Ekonomi Teknologi dan Bisnis (JETBIS)
Attention Economy And Work Productivity: The Impact Of Cognitive Fragmentation On The Performance Of The Creative Sector (The Attention Economy And Work Productivity: The Impact Of Cognitive Fragmentation On Creative Sector Performance)
The development of the digital economy has given rise to the phenomenon of the attention economy that makes human attention the main resource in the world of work, especially in the creative sector. This study aims to explore the impact of cognitive fragmentation caused by digital distractions on creative work productivity. The approach used was qualitative with a phenomenological design, involving 15 creative workers in major Indonesian cities who were interviewed in depth. The results showed that attention disorders such as notifications, multitasking, and high connectivity expectations led to a decrease in the quality of focus, ideation, and work output. Individual adaptation strategies such as time-blocking and digital detox have not been effective enough without systemic support from the organization. These findings confirm the need to redefine productivity in the context of digital work as well as the importance of attention management policies in creative work environments. This research makes a practical contribution to the development of a more humane and sustainable digital work policy.
AgriPreneurship and Digital Accounting: Redefining Business Models for Sustainable Agriculture
Digital transformation in the agricultural sector has opened up new opportunities for agripreneurs to improve business efficiency and competitiveness in the global market. Digital accounting is present as an important instrument, not only in recording transactions, but also in building transparency, access to financing, and strengthening sustainable business models. However, the adoption of this technology still faces challenges in the form of low digital literacy, implementation costs, and human resource resistance. This study aims to map the driving factors and obstacles to the adoption of digital accounting in agricultural SMEs, examine the role of the integration of Farm Financial Accounts (FFA) and Farm Management Information Systems (FMIS), and formulate a framework for redefining agripreneurship business models towards sustainability. The research uses a qualitative approach with exploratory case studies on agricultural SMEs in West Java. Data were collected through semi-structured interviews, questionnaires, field observations, and digital financial statement documentation, then analyzed by thematic analysis and triangulation techniques. The findings show that the use of digital accounting increases the speed of financial reporting, strengthens credibility in the eyes of financial institutions, and facilitates the integration of Environmental, Social, and Governance (ESG) indicators in business practices. The adoption of digital accounting has also been proven to expand access to financing through banks and fintech, as well as encourage data-driven business model innovation. This research confirms that digital accounting is a strategic catalyst in redefining sustainable agripreneurship business models. The results of the research can be a reference for business actors, technology providers, and policymakers to strengthen digital literacy, provide technology incentives, and integrate ESG principles in agricultural policies.
AgriTech Innovation and Food Security: Balancing Technological Disruption and Smallholder Inclusion
Global food security faces serious challenges due to climate change, market volatility, and limited access to nutritious food. Agricultural technology innovation (AgriTech) is seen as one of the solutions to increase productivity and efficiency, but its implementation among smallholders still faces various obstacles, especially related to costs, digital literacy, and limited infrastructure. This research aims to evaluate the balance between agronomic efficiency and social inclusion in the implementation of AgriTech, identify effective mentoring models, and formulate policy recommendations oriented towards equity in access. The research method uses a qualitative approach with a case study design on smallholders in rural Indonesia. Data were collected through in-depth interviews with 25 participants, field observations, and simple questionnaires of 50 respondents, then analyzed with Miles and Huberman's interactive model combined with quantitative descriptive analysis. The results show that AgriTech is able to increase productivity by an average of 12% per planting season and reduce input costs, but there are still significant obstacles in the form of application costs, limited internet networks, and low digital literacy. The findings also show that blended extension approaches (a combination of face-to-face and digital counseling) and collective institutional strengthening have proven effective in expanding adoption. This research confirms that sustainable food security can only be achieved through a balance between technological disruption and smallholder inclusion. Policy implications include subsidies for application access, integration of fintech services with digital advisory, and digital literacy programs to strengthen the capacity of farmers to utilize technological innovations.
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Digital Accounting Transformation for Agri-Fintech Startups: Opportunities and Risks in Developing Countries
The transformation of digital accounting is an urgent need for agri-fintech startups in developing countries. The complexity of agricultural transactions, the demands of compliance with IFRS/XBRL standards, and the increasing cyber risks demand an accounting system that is not only efficient but also transparent and auditable. This research aims to identify the factors influencing the adoption of digital accounting, evaluate its impact on information quality and regulatory compliance, and design a conceptual model that is able to integrate technological, organizational, regulatory, and risk aspects in the context of agri-fintech startups. The research uses a mixed methods approach with a sequential explanatory design. Quantitative data was collected through a survey of 45 agri-fintech startups in Southeast Asia and analyzed using PLS-SEM. Qualitative data was obtained through in-depth interviews with 7 selected startups and analyzed by thematic analysis. The results show that internal factors, such as technology readiness, organizational support, and perceived benefits and ease of use, play a significant role in adoption. The adoption of digital accounting improves the reporting quality and readiness of XBRL, but cyber and operational risks negatively affect the accuracy of reports. This research resulted in an Agri-Fintech Digital Accounting Capability (AF-DAC) model that integrates cloud accounting, blockchain ledger, RegTech–XBRL, and cyber risk panels. These findings provide a theoretical contribution to the digital accounting literature and are practical for startups, regulators, and investors in designing adaptive, secure, and sustainable accounting transformation strategies in the agri-fintech sector.
Metaverse Economy: Redefining Consumer Experience and Business Models
The development of immersive technologies such as virtual reality (VR) and augmented reality (AR) has given birth to the metaverse phenomenon that redefines consumer interaction with brands and companies. The metaverse not only offers new experiences based on presence, avatars, and co-creation, but also drives the transformation of digital business models. However, empirical evidence on how consumer experience affects loyalty and monetization mechanisms in the context of the metaverse is still limited. This research aims to identify the factors that shape the consumer experience in the metaverse, analyze the relationship between technology adoption, immersive experience, and business model performance, and formulate strategic design guidelines for companies. The research method uses a quantitative approach with a survey of 200 metaverse users in Indonesia. The analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the support of qualitative interview data to strengthen interpretation. The results showed that presence, embodiment, and co-creation had a significant effect on engagement with a contribution of 64%. Technology acceptance factors (performance expectancy, social influence, and facilitating conditions) explain 58% of loyalty variance. In addition, the configuration of business models based on experience-as-a-service, community subscriptions, and tokenization was able to explain the 61% variance of willingness to pay. The implications of this study confirm that the metaverse economy is not just a technological phenomenon, but a new economic system that requires companies to design consumer experience strategies, technology acceptance, and business models in an integrated manner
Global Supply Chain Restructuring: Business Strategy Amid Geopolitical Fragmentation
Global geopolitical fragmentation has triggered significant changes in the structure of international supply chains. The COVID-19 pandemic, trade wars, and tensions between economic blocs have exposed the vulnerability of single sourcing and highly concentrated supply chain models. This condition requires companies to review their business strategies to be more adaptive, resilient, and sustainable. This study aims to map geopolitical risks and supplier concentrations, evaluate the impact of friend-shoring and near-shoring strategies on costs and resilience, and test the effectiveness of site portfolio designs and supplier contracts in improving supply chain resilience with cost efficiency. The research method uses a qualitative approach with comparative case studies combined with descriptive quantitative analysis. Data was collected through questionnaires, in-depth interviews with supply chain managers, analysis of company documents, as well as SEM-PLS modeling to test the relationship between restructuring strategies, geopolitical risk, and company performance. The results show that dual/triple sourcing and hybrid sourcing strategies are more effective in increasing resilience with relatively controlled cost increases. The implementation of digital technologies such as ERP, predictive analytics, and digital twins has been proven to strengthen scenario planning capabilities and reduce distribution delays. The findings also confirm the trade-off between cost, resilience, and sustainability, where companies that are able to balance these three aspects gain a long-term competitive advantage. The implications of this study confirm the need for a geo-risk-adjusted total cost framework as the basis for the formulation of a global supply chain restructuring strategy. Companies are encouraged to adopt a digital and sustainability-oriented approach to be better prepared for geopolitical uncertainty.
Techno-Entrepreneurship in Developing Countries: Bridging Innovation and Inclusive Growth
Digital transformation in developing countries opens up new opportunities for technology-based entrepreneurship, but the benefits are not fully inclusive due to the digital divide, limited access to finance, and varying quality of infrastructure. This research aims to analyze how techno-entrepreneurship can bridge innovation and inclusive growth by examining the role of digital capabilities, digital financial inclusion, as well as the moderation of digital public infrastructure and pro-inclusive policies. The method used is mixed-methods with a sequential explanatory design. Quantitative data was collected through a survey of 300 technology-based MSME actors and analyzed using SEM-PLS, while qualitative data was obtained through in-depth interviews and FGDs to enrich the interpretation of the results. The findings show that digital capabilities have a significant effect on inclusive growth (B=0.47, p<0.01), while digital financial inclusion plays a role as a partial mediator (B=0.21, p<0.05). The analysis also confirms that digital public infrastructure and pro-inclusive policies strengthen the link between digital capabilities and inclusive growth outcomes. The integration of qualitative data supports quantitative outcomes, with empirical evidence that digital literacy, fintech access, and policy support are key to expanding the impact of techno-entrepreneurship. The implications of this study emphasize the need for a multi-level strategy that connects micro, meso, and macro aspects in order for digitalization to truly drive equitable, participatory, and sustainable economic growth in developing countries.
Cultural Intelligence and Hybrid Work: Implications for Global Team Management
The post-pandemic development of hybrid work has changed the way global organizations manage cross-border teams. This work model presents opportunities for flexibility, but it also poses challenges of coordination, technostress, and intercultural miscommunication. In this context, cultural intelligence (CQ) is an important competency to maintain the effectiveness of global team collaboration. This study aims to analyze the influence of the four dimensions of CQ on the performance of hybrid global teams, examine the role of communication norms as mediators, and assess the moderation effect of hybrid work design and technostress. The research uses a quantitative approach with an explanatory design. Data was obtained through an online survey of 245 respondents working on hybrid global teams in Southeast Asia. The analysis was conducted with SEM-PLS to test direct relationships, mediation, and moderation, and fsQCA to explore the configuration of factors that affect team performance. The findings show that all dimensions of CQ have a positive effect on performance, with motivational CQ (B = 0.41) and behavioral CQ (B = 0.36) as the main predictors. Communication norms have been shown to mediate the CQ–performance relationship, while the hybrid design of the 3–2 pattern reinforces the influence. Technostresses act as a negative moderator that weakens the impact of CQ. Configuration analysis revealed that a combination of high CQ, clear communication norms, structured hybrid design, and low technostress are optimal conditions for improving team performance and retention. This research confirms the need for organizations to integrate CQ training, hybrid communication regulations, and a balanced hybrid work design to ensure the effectiveness and well-being of global teams.