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, Nizar Alam Hamdani, Oktri M Firdaus — Fri, 26 Jun 2026 00:00:00 +0700

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 — Mon, 29 Jun 2026 00:00:00 +0700

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, Agus Maolana Hidayat — Mon, 06 Jul 2026 00:00:00 +0700

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

Fri, 10 Jul 2026 00:00:00 +0700

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, Minto Yuwono, Aceng Ulumudin — Mon, 03 Aug 2026 08:04:52 +0700

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, Lustry Rahayu, Junita Cestilia Nenabu — Mon, 03 Aug 2026 00:00:00 +0700

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.