Business Innovation and Entrepreneurship Journal

The Effect Of Service Quality and Consumer Knowledge On Purchase Decisions Through Trust, With Price and Location as Moderating Variables In Pharmacies

Yeni Mardiyani — 2026-06-26

The pharmaceutical retail sector in Garut faces intense competition, where purchasing decisions are heavily influenced by perceived risk and trust. This study aims to analyze the effect of service quality and consumer knowledge on purchasing decisions through trust as a mediating variable, while examining price and location as moderating variables. Using a descriptive and verificative quantitative approach, data were collected from 275 respondents via semantic differential scale questionnaires (1-7) and analyzed using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) with SmartPLS 4.0. The results show that service quality and consumer knowledge significantly affect trust. Trust is the dominant variable influencing purchasing decisions with a path coefficient of 0.184. Information honesty and staff responsiveness are key factors in building consumer confidence. Moderation tests prove that price and location significantly strengthen the impact of service quality on purchasing decisions. An R-Square value of 0.824 indicates the model explains 82.4% of the purchasing decision. Descriptive findings reveal that despite high selection stability, long-term loyalty requires strategic reinforcement. In conclusion, trust is the primary determinant of purchasing decisions. Management strategies should prioritize product transparency and pharmaceutical education to transform situational purchasing behavior into sustainable loyalty by optimizing location accessibility and price rationality.

Mapping the Intellectual Structure and Thematic Evolution of Risk Management Research in SMEs: A Bibliometric Review

Yaman Suryaman — 2026-06-29

Small and medium-sized enterprises (SMEs) are very important for employment and economic development, but they still face a high level of exposure to financial, operational, technological, and environmental risks. This article is an attempt to give an overview of the intellectual landscape, main topics, and possible new challenges of SME risk management research. A bibliometric analysis was made with the help of 1, 105 articles indexed by Scopus and published between 1988 and 2026. Exploratory and correlative analyses were made of publication trends, source titles, countries, citations, author keywords, and thematic clusters. The findings reveal an impressive pace of growth especially after 2019, as more than half of the papers were written in the period 2020-2025. The discipline has a very high level of interdisciplinarity as shown by the involvement of 557 journals. Financial risk, credit risk, enterprise risk management, and performance are some of the major topics in the literature. The article identifies digitalization, resilience, sustainability, cybersecurity, and supply chain disruption as some of the new themes in the research. It is argued that SME risk management research has substantially evolved from being mainly focused on financial aspects to adopting a wider strategic perspective.

Analysis of Non-Performing Loans and Interest Rates on Bank Jasa Jakarta's Profitability (2004–2024)

Alexandra Natasha Salwa — 2026-07-06

This study examines the effect of Non-Performing Loan Gross (NPL Gross), Net Interest Margin (NIM), and BI Rate on the profitability of PT Bank Jasa Jakarta, measured by Return on Equity (ROE), over the period 2004–2024. Secondary data from 21 annual observations were analyzed using Ordinary Least Squares (OLS) multiple linear regression via EViews 13, with ROE(−1) included as a control variable, classical assumption tests confirmed normality, no multicollinearity (VIF < 2), no autocorrelation (DW = 1.886), and homoscedasticity. NPL Gross did not significantly affect ROE (p = 0.081) due to its consistently narrow variation. NIM negatively and significantly affected ROE (p = 0.014; coeff. = −17.97), reflecting an efficiency–profitability paradox during digital transformation. BI Rate negatively and significantly affected ROE (p = 0.001; coeff. = −7.85), consistent with monetary transmission theory. Simultaneously, the four variables explained 98.77% of ROE variation (Adjusted R² = 0.9877). Margin expansion during capital-intensive digital transformation does not improve profitability without operational cost discipline, management is advised to prioritize BOPO reduction and diversify funding toward low-cost CASA to reduce monetary policy sensitivity.

Analyzing the Convenience and Challenges of Transitioning from Physical to Digital Wallets: A Case Study of QRIS Adoption in Small Businesses

Fauziah Ayu — 2026-07-10

The switch from payments to digital payment systems is really important in Indonesia especially with the introduction of Quick Response Code Indonesian Standard also known as QRIS. This study is about looking at how easy or hard it's for small businesses to use QRIS as a way to pay digitally. We used a method to gather information, where we talked to five small business owners in South Sumatra who already use QRIS in their daily work. We found out that QRIS has a lot of things like making transactions faster,cashless, and more efficient. Most customers also like using QRIS because it's easy to use and convenient. We think that QRIS is a thing for small businesses, in Indonesia and it can help them a lot. However, The study found some problems with QRIS. For example the internet connection is not always working there are system errors people need to use their smartphones some customers do not know how to use things and there are fees for transactions. These problems show that even though QRIS helps people move to payments there are still some technical and operational issues that make it hard for small businesses to use QRIS. Overall, This study says that QRIS is good for businesses and customers. We need to keep helping people learn about digital things and make the internet work better so that digital payments can really work well in Indonesia. We need to do more to make sure it works properly for small businesses and customers, in Indonesia.

The Effect Of Personality Traits And Inclusive Leadership On Work Engagement: The Role Of Job Crafting As Mediation And Mindfulness As Moderation

Marwah Nuraeni — 2026-08-03

This study aims to analyze the influence of personality traits and inclusive leadership on work engagement in Generation Z with job crafting as a mediating variable and mindfulness as a moderation variable. The study used a quantitative approach with a survey method of 205 Generation Z respondents who work in various companies in Indonesia. The sampling technique used purposive sampling and data analysis was carried out using Structural Equation Modeling–Partial Least Square (SEM-PLS). The results of the study show that personality traits and inclusive leadership have a significant positive effect on job crafting, and job crafting has a significant positive effect on work engagement. In addition, job crafting has been proven to be able to mediate the influence of personality traits and inclusive leadership on work engagement. However, personality traits and inclusive leadership do not have a direct effect on work engagement, while mindfulness is not able to moderate the relationship between job crafting and work engagement. This study concludes that work engagement in Generation Z is more influenced by proactive behavior in shaping jobs through job crafting than internal psychological factors.

Analysis Of The Implementation Of The Internal Control System For Credit Disbursement At Ksp Kopdit Abdi Manggarai Timur

Ignasius Irwandi Aman — 2026-08-03

This study aims to examine credit distribution at KSP KOPDIT Abdi East Manggarai, the obstacles or challenges faced by the cooperative, and how internal control strategies can ensure effective credit distribution. The approach used in this study is a qualitative approach with data collection techniques through observation, interviews, and documentation. The results of the study indicate that the implementation of the internal control system for credit distribution at KSP KOPDIT Abdi has been carried out quite effectively based on the Treadway Commission's Committee on Supporting Organizations (COSO) framework, which includes the control environment, risk assessment, control activities, information and communication, and monitoring.

The Effect of Consumption Values on Patient Satisfaction and Behavioral Intention toward Nutrition Services at Hospital Garut

Shofia Salsabila — 2026-08-29

This study aims to analyze the effect of consumption values on patient satisfaction and behavioral intention toward nutrition services at Hospital Garut. A quantitative approach was employed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data were collected through questionnaires distributed to hospitalized patients receiving nutrition services. The study examined five dimensions of consumption values, namely functional value, emotional value, social value, epistemic value, and conditional value. The results revealed that social value had a positive and significant effect on patient satisfaction, while the other dimensions did not show significant effects. Furthermore, patient satisfaction significantly influenced patients’ behavioral intention toward hospital nutrition services. The study concludes that social aspects play a dominant role in shaping patient satisfaction and behavioral intention. Therefore, improving communication and patient-centered services is essential to enhance nutrition service quality.

Evaluation of Hybrid Business Models in Indonesian State-Owned Enterprises: A Literature Review of the Reality of Social Entrepreneurship in PNM and Danantara

Adrian Bintang Ramadhan — 2026-08-30

The transformation of State-Owned Enterprises (SOEs) toward hybrid business models has become a key strategy in addressing social challenges in Indonesia. However, there is skepticism about whether these initiatives truly create independent social enterprises or simply conventional social assistance programs. This Literature Review Paper (LRP) aims to evaluate the reality of social entrepreneurship at PT Permodalan Nasional Madani (PNM) and PT Daya Anagata Nusantara (Danantara) through a systematic literature review of 15 accredited academic journals covering the years 2014–2024. The analytical method used is matrix synthesis to identify research gaps from a strategic perspective. The findings of this review indicate significant managerial and contextual gaps, where existing programs often face the risk of mission drift due to pressures for financial efficiency overshadowing the social mission. Furthermore, there is a lack of integration of impact measurement metrics such as Social Return on Investment (SROI) into major investment strategies. The implications of this study emphasize the need for a reorientation of KPIs that focus on customer independence and accountability for social impact to ensure the program's transition into a sustainable social entrepreneurship entity. This paper provides a theoretical contribution to the strategic management literature on managing hybrid organizations in the Indonesian public sector.

Multidimensional Critique of Microfinance Institutions in Poverty Alleviation: A Literature Review in the Indonesian Context

Riznar Oliviera — 2026-08-31

This study critically examines microfinance schemes through a comprehensive literature review focusing on economic, social, and gender dimensions. Although positioned as a promising innovation in global poverty alleviation, there is a significant gap between theoretical expectations and the reality on the ground. This study uses a literature review method to synthesize findings from 15 reputable scientific journals from 2014 to 2026, obtained from various databases. The results show that economically, microcredit can increase the operating profit of MSMEs through the addition of productive assets, but often fails to create new jobs due to the tendency of customers to utilize family labor for efficiency or even use credit for refinancing. In the social and gender dimensions, microfinance has proven effective as an instrument for women's empowerment through a group model that integrates local cultural and moral values. Furthermore, the challenge of mission drift between institutional profitability and social mission can be bridged through the adoption of digital technologies, such as QRIS and mobile banking, which can drastically reduce operational costs. This study concludes that microfinance in Indonesia remains an appropriate instrument if managed through an integrative strategy that balances technology-based business efficiency with intensive social assistance to achieve broader and more inclusive impacts.

Strategic Transformation and Social Impact of Ultra Micro Finance: A Systematic Literature Review of PT Permodalan Nasional Madani (PNM) and Social Entrepreneurship

Rebecca Yolanda Artha Uli — 2026-08-31

Access to formal financing remains a major obstacle for millions of underbanked micro-entrepreneurs in Indonesia. PT Permodalan Nasional Madani (PNM) plays a strategic role as a state policy instrument in poverty alleviation through ultra-micro empowerment. This literature review aims to synthesize recent findings on the strategic management process at PNM and identify research gaps for future research. The method used is a Systematic Literature Review (SLR) of 89 reputable scientific journals from 2004 to 2026 using a thematic analysis approach. The analysis identified four critical gaps: (1) the absence of an integrative theoretical framework between strategic management and social entrepreneurship in the context of social state-owned enterprises; (2) inconsistent empirical evidence regarding the long-term welfare impacts on clients; (3) limited contextual studies on the impact of digitalization and organizational repositioning; and (4) the predominance of cross-sectional qualitative methods. The implications of this review emphasize the need for a shift in policy from needs-based to rights-based, as well as strengthening managerial support for the self-efficacy of field employees. This research provides an academic foundation for more inclusive and sustainable business model innovation in the Indonesian microfinance sector.