Airlangga Journal of Innovation Management

Digital Financial Literacy and Financial Technology on Financial Performance through Financial Behavior as a Mediating Variable

Nur Apni Wulandari, Wida Purwidianti, Maulida Nurul Innayah, Restu Frida Utami — Tue, 30 Sep 2025 00:00:00 +0700

This research analyzes the effect of digital financial literacy and financial technology on financial performance, with financial behavior as a mediator. The population used is the MSE actors in the South Brebes Regency area, consisting of 6 sub-districts. Sampling using the convenience sampling technique calculated by the Slovin formula, resulting in 110 participants. The data were collected through the distribution of questionnaires using a Likert scale, and then examined with SmartPLS 3.0 software. According to the results, adopting fintech is not the only way for MSEs to achieve excellent financial performance; responsible financial behavior and a firm understanding of digital financial literacy are also essential. Theoretically, this study highlights that enhancing MSE financial performance requires a combination of financial expertise and efficient technology use, since technology is insufficient on its own without the capacity to understand and utilize financial data strategically. From a managerial standpoint, the findings suggest that improving MSE actors’ financial capabilities, especially their comprehension, interpretation, and application of digital financial tools and concepts, is essential to guaranteeing that fintech solutions can be utilized efficiently. In an increasingly digital economic world, this capacity helps business owners make strategic, sustainable, and well-informed decisions that support the long-term resilience and success of their companies.

Analyzing The Impact of Quality Management on Housing Users' Perceptions Using Property SERVQUAL

Rediawan Miharja, Fety Nurlia Muzayanah, Agustifa Zea Tazliqoh — Tue, 30 Sep 2025 00:00:00 +0700

The history of Service Quality has appeared in several previous studies, but studies that discuss property SERVQUAL remain underexplored, particularly in relation to user satisfaction and housing quality in developing countries. The concept of quality management will support the success in developing the housing sector and will provide acceleration for the government to improve the local economy. Unfortunately, in many developing countries, the management of housing for the community tends not to meet the required quality because it always prioritizes quantity. There is the urgency of empirical and theoretical gaps is an opportunity for researchers to provide additional scientific references in the form of conceptual quality management of housing users' perceptions using property SERVQUAL in accordance with the expected impact. The method applied in this paper was carried out with a quantitative approach. The data obtained is through surveys. The survey data were processed using a model test tool, namely PLS-SEM. Respondents in this study were 150 housing users. The findings that will be obtained in this study are in the form of a conceptual description of quality management of housing user perceptions using property SERVQUAL and how it impacts housing characteristics and direct impacts for users in the form of subjective well-being. The implications of this research consist of two outputs, namely the first implication for science in the form of new references from the concept of quality management with novelty linking Property SERVQUAL, housing characteristics, and subjective well-being. The second is the consideration of practical strategies for housing stakeholders.

The Role of Marketing Capability in the Relationship between Entrepreneurial Orientation and Marketing Performance: A Study of Batik SMEs in Ciayumajikuning

Tatang Rois, Iqbal Arraniri, Ilham Akbar, A'i Nurhayani, Erni Yuliyanti Pratiwi — Tue, 30 Sep 2025 00:00:00 +0700

Previous studies on the influence of entrepreneurial orientation on marketing performance have revealed inconsistencies. To address these discrepancies, a new research model was developed, placing marketing capability as a mediating variable. The study is also based on the challenges that SMEs face in improving their marketing performance. This quantitative study uses a survey method to examine batik SMEs in the Ciayumajakuning region of West Java, Indonesia. The sample size consists of 200 SME owner-managers, selected using disproportionate random sampling. Data analysis was conducted using structural equation modelling with the AMOS program. The results indicate that marketing capability mediates the influence of entrepreneurial orientation on marketing performance. These findings are significant in that they identify a research model that addresses the challenges faced by SMEs in improving their marketing performance by focusing on market orientation and the role of marketing capability as a mediator. The results of this study have practical implications for SMEs in the batik industry in the Ciayumajakuning region, helping them to overcome problems with marketing performance by adopting a market-oriented approach.

AI Competence’s Impact on Innovation in The Creative Industries: Moderating Role of Individual Creativity

Rizka Putri Pranandari, Atsushi Aoyama — Wed, 01 Oct 2025 00:00:00 +0700

This research aims to investigate the relationship between Artificial Intelligence (AI) competence and innovation, as well as the moderating effect of creativity in the context of Indonesian creative industries. The objectives are accomplished by conducting surveys and analyzing the data using a quantitative approach. The samples are people who are working in various sectors of the creative industries in Indonesia, with a minimum age of 18. The data was collected by using a non-probability, convenience sampling method. 268 completed questionnaires were collected from the eligible samples. The results of hypothesis testing using PLS-SEM indicate that AI competence has a significantly positive impact on innovation. While individual creativity moderates the relationship between AI competence and innovation. Intriguingly, this moderating effect goes in the negative direction. For the theoretical implication, the effect of creativity in enhancing competence, especially in using new technology, should be studied further by more rigorous research. In addition, this research suggests that the creative industries stakeholders should provide sufficient training for creative workers, allowing them to develop their competence in using AI programs related to their job or tasks.

Capital Structure Dynamics in Indonesia's Consumer Non-Cyclicals Sector: The Influence of Profitability, Asset Structure, and Firm Size

Tue, 30 Sep 2025 00:00:00 +0700

Capital structure is one of the important aspects in corporate finance since it displays the business’s policy in choosing financing sources. This study examines how capital structure is impacted by profitability, asset structure, and company size, specifically emphasizing businesses in the consumer non-cyclicals sector. The study uses quantitative analysis, the population consists of 132 companies in the consumer non-cyclicals category that were listed on the IDX between 2020-2023, with sampling using a purposive sampling technique, which resulted in 47 companies. This analysis uses multiple linear regression with SPSS 25. Consequently, capital structure is significantly impacted negatively by profitability, whereas asset structure and firm size are significantly impacted favorably. This result is consistent with the trade-off theory and pecking order theories, which hold that profitable businesses typically use internal funding, while asset structure and company size become collateral to obtain external funding. Companies are encouraged to increase their revenue and income streams. For Investors, before extending credit or making investment decisions, lenders and potential investors should carefully assess the company's profitability ratio, asset configuration, and overall size.

Transformational Leadership in Green Human Resource Management Practice: A Systematic Literature Review

Sari Fitri, Rahmad Hidayat, Tri Yuliani — Tue, 14 Oct 2025 00:00:00 +0700

This article aims to examine the role of transformational leadership in the implementation of Green Human Resource Management (Green HRM) and its contribution to organizational environmental sustainability. The urgency of this study lies in the growing demand for organizations to integrate sustainability principles into their human resource practices. Using a Systematic Literature Review (SLR) approach, 11 articles were screened and analyzed from reputable databases, including Scopus and ScienceDirect. The findings reveal that Green HRM encompasses recruitment, training, performance management, and compensation processes that are grounded in environmentally friendly values. However, its successful implementation is significantly influenced by transformational leadership. Transformational leaders play a pivotal role in shaping pro-environmental organizational culture, motivating employees to adopt green behaviors, and ultimately enhancing environmental performance and long-term sustainability. In addition, the study highlights that the effectiveness of Green HRM implementation is not solely determined by internal leadership, but also by external factors such as government policy support, stakeholder engagement, and collective awareness of environmental issues. This study concludes that the integration of Green HRM and transformational leadership represents a key strategic approach to building competitive, sustainable organizations. Theoretically, it contributes to the growing body of literature on leadership and sustainable HR practices. At the same time, practically, it provides guidance for managers and policymakers to align leadership styles with green initiatives to achieve long-term environmental goals.

The Influence of Convenience, Benefits, and Security on Consumer Preferences in Adopting QRIS Non-Cash Payments

Khalfi Syahrin, Yosy Arisandy, Yuli Handika — Tue, 14 Oct 2025 00:00:00 +0700

This study aims to determine the influence of convenience, Benefits, and security on consumer preferences in using QRIS as a non-cash payment system. This study uses a quantitative approach with a purposive sampling technique, namely a sampling method based on certain considerations or criteria relevant to the research objectives so that the selected respondents truly match the required characteristics. The number of respondents in this study was 100 people who had met these criteria. Data collection was carried out through an online questionnaire, while data analysis included validity, reliability, normality, multicollinearity tests, T-tests, F-tests, and coefficients of determination processed using SPSS version 2025. The results of the study indicate that ease, Benefits, and security each have a positive and significant effect on consumer preferences in using QRIS. The easier QRIS is to operate, the more consumers are interested in adopting it. Likewise, the greater the perceived benefits, the stronger the tendency for consumers to prefer QRIS as a payment method. In addition, a secure system fosters greater consumer trust, thereby increasing the likelihood of usage. Collectively, these three factors ease, Benefits, and security interact to enhance consumer interest and decision-making in adopting QRIS. The practical implication of these findings is that service providers and policymakers should prioritize the continuous improvement of system usability, perceived benefits, and security features to strengthen consumer trust and encourage wider adoption of QRIS in daily transactions

The Influence of Women Entrepreneurial Leadership on Employee Performance with Innovative Work Behavior as an Intervening

Difa Putri Arifa, Aniek Rumijati, Iqbal Robbie — Thu, 02 Oct 2025 00:00:00 +0700

Employee performance is an important element that plays a role in determining the success of an organization, because the achievement of goals and the company's competitiveness are highly dependent on the quality and productivity of employees. Along with increasing competition in the global market, companies must understand and identify factors that can optimize employee performance, both in terms of motivation, leadership, and work environment. The importance of women's leadership in the business world is getting more attention, especially in the context of diversity and inclusion. This study aims to analyze the effect of women's entrepreneurial leadership on employee performance through innovative work behavior. This study uses a quantitative approach. The data collection method in this research is observation and a questionnaire. The analytical tool used is SEM PLS 4. The population subjects in this study were employees at SME of Sari Murni, Tulungagung, totaling 40 people. In the sampling technique in this study. The result of this study found that women's entrepreneurial leadership has a significant effect on employee performance. Women's entrepreneurial leadership has a significant effect on innovative work behavior. Innovative work behavior has no significant effect on employee performance. Innovative work behavior is not able to mediate the relationship between women's entrepreneurial leadership on employee performance

Application of Fish Probiotics in Catfish Farming Activities using Biofloc System: Low and High Protein Feed Induction

Tue, 30 Sep 2025 00:00:00 +0700

Catfish farming with the biofloc system is increasingly used because it can increase feed efficiency. However, the main challenge in this system is optimal water quality, especially in relation to the presence of pathogenic bacteria such as coliform. This study aims to determine the effect of giving probiotics to feed with high, low, and control protein content on water quality, water and intestinal TPC, and the level of coliform bacteria in the anus of catfish. The method used in this study is experimental in the laboratory of Trunojoyo Madura University. This research was carried out using 3 treatments, namely control, low, and high protein feed. Data related to the results of measuring water quality parameters pH, temperature are presented in the form of a graph. The results data for detecting pathogenic bacteria in sangkuriang catfish (Clarias gariepinus) were analyzed qualitatively by calculating the Total Plate Count (TPC) value of heterotrophic bacteria growing in Nutrient Agar (NA) media and pathogenic bacteria growing in Eosin Methylene Blue Agar (EMBA). The results of this study are expected to provide a better understanding of how the use of probiotics affects. Temperature values ranged from 26.71-28.83°C, and pH ranged from 8.34-9.45. Bacterial TPC values ranged from 8.03 to 16.94 CFU/ml. The TC value of bacteria in catfish anus samples ranged from 3.81-7.00 CFU/ml. This study can be a practical solution for farmers to improve sustainable catfish cultivation

Influence of Celebrity Endorsers and Halal Lifestyle on Gen Z’s Skincare Purchase Interest in East Java

Wildatul Jannah, Siti Habibatur Rahma — Tue, 30 Sep 2025 00:00:00 +0700

Indonesia's potential in the halal skincare industry is significant, as evident from its position as the second largest consumer of halal cosmetics and the high enthusiasm of Generation Z towards self-care products. Generation Z's increasing interest in skincare has driven a significant expansion of Indonesia's beauty industry. This generation is known for being active on social media and has a high awareness of appearance and personal values, including a halal lifestyle. This research aims to analyze how celebrity endorsers and the halal lifestyle influence Generation Z's purchase interest in skincare in East Java. The study uses a quantitative approach. The participants are Generation Z skincare users. The sample was chosen through a non-probability purposive sampling method, with specific criteria, involving 110 respondents who reside in East Java and were born between 1995 and 2012. Data was collected via an online survey and analyzed using IBM SPSS Statistics 31. This research includes tests such as instrument validation, classical assumption tests, hypothesis testing, and regression analysis. The results show that, partially, celebrity endorsers and the halal lifestyle significantly affect purchase interest. Together, both factors, celebrity endorser and the halal lifestyle, also significantly influence Generation Z's skincare purchase interest in East Java. This result helps create more successful marketing tactics, particularly the utilisation of public figures and the strengthening of halal product images. Skincare companies are advised to choose celebrity endorsers who are popular and trustworthy and align with halal lifestyle values

Influence of Brand Image and Reviews on Pinkflash Purchase Decisions via Shopee With Trust Mediation

Muhimmatur Rodiyah, Farah Fadiyah, Laily Muzdalifah — Wed, 15 Oct 2025 00:00:00 +0700

This study aims to investigate the influence of brand image and product reviews on purchase decisions of PinkFlash cosmetics through the Shopee platform, with consumer trust serving as a mediating variable. Using a quantitative method with Partial Least Squares-Structural Equation Modeling (PLS-SEM), data were collected from 160 respondents who had purchased PinkFlash products. The findings show that brand image has a strong and significant effect on consumer trust and purchase decisions, while product reviews significantly influence trust but do not directly affect purchase behavior. However, trust effectively mediates the relationship between brand image and purchase decisions, as well as between product reviews and purchase decisions, highlighting its central role in reducing uncertainty and reinforcing consumer confidence in online shopping. The results also indicate that despite the brand’s temporary crisis related to the discovery of hazardous substances, positive reviews and a favorable brand image remain critical in rebuilding consumer trust. Theoretically, this research contributes to consumer behavior literature by emphasizing trust as both a mediating and direct determinant in e-commerce cosmetics. Practically, the study offers managerial implications for online cosmetic brands to strengthen brand image and manage reviews strategically in order to foster trust and drive purchase decisions, particularly among Generation Z consumers.

A Comparative Analysis of the Determinants of Inflation in Indonesia and Singapore

Alifa Nurma Maulidya, Abd Rahim, Sri Astuty, Basri Bado, Diah Retno Dwi Hastuti — Wed, 15 Oct 2025 00:00:00 +0700

This study aims to analyze the factors affecting inflation in Indonesia and Singapore in the period 2000-2023 using a comparative approach. A quantitative approach was used, employing time series data from the World Bank, BPS (Statistics of Indonesia), and the Singapore Department of Statistics. The analysis method used is multiple linear regression to determine the effect of independent variables (quantity of money, interest rate, exchange rate, and economic growth) and dependent variables (inflation) simultaneously and partially. The results of this study show that independent variables have a simultaneous effect on dependent variables in Indonesia, while in Singapore, they do not. Meanwhile, in part, the quantity of money has a significant negative effect on inflation in Indonesia. Meanwhile, in part, the exchange rate has a negative and significant effect on inflation in Singapore. A comparison of the coefficients and adj. R² values reveal a higher level of sensitivity of inflation to quantitative monetary policy in Indonesia, while Singapore shows inflation resilience through a policy framework centered on exchange rates. These results confirm the differences in the structure and effectiveness of monetary policy, as well as their implications for the formulation of price stabilization strategies in both countries.