http://localhost:8080/xmlui/handle/123456789/12392 Thu, 09 Apr 2026 11:40:33 GMT 2026-04-09T11:40:33Z http://localhost:8080/xmlui/handle/123456789/12708 Title: The Relationship between Key Financial Indicators and Bank Performance: A Case Study of 10 Major Indonesian Commercial Banks Authors: Yashe, Lin Abstract: This study focuses on 10 central Indonesian commercial banks listed on the Indonesian Stock Exchange from 2008 - 2022. Given Indonesia's significant economic growth and the crucial role of banks in its economy, we aim to explore the impact of key financial indicators - capital adequacy ratio, loan-to-deposit ratio, net interest margin, non - non-performing loan ratio, and net profit - on bank performance. By using descriptive and quantitative methods with secondary data, along with purposive sampling and panel data analysis via E- In views 10, we find novel results. Unlike previous studies, we discovered that capital adequacy and net profit profit negatively affect bank performance, while net interest margin has a positive impact. Additionally, the loan-to-deposit ratio and non-performing loan ratio show no significant effects. This challenges inconsistent findings and provides new insights for understanding bank performance in emerging economies like Indonesia, especially considering the unique economic events within the study period. Wed, 01 Jan 2025 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/12708 2025-01-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/12706 Title: Analysis of the Adoption of Digital Wallet Technology in Indonesian Society Authors: Septi Isnaini, Pramusinta; Jamilah, Siti Abstract: Due to changes in consumer behavior and the development of technology, the acceptance of digital signage in Indonesian society has increased significantly in recent years. This study, focusing on variables such as self-efficacy, perceived usefulness and perceived ease of use, intention to use, substance norms, self-creation, and actual system usage, examines the factors that influence the adoption of virtual screen technology. The data were collected qualitatively through questionnaires distributed to the Indonesian mobile app users, and a semi-structured meta-analysis (SEMPLS) was used to analyze the samples. The results of this study show that consumer intentions are governed by perceived usefulness and ease of use, and religiosity is a moderating factor. Furthermore, self-efficacy, intention to use, and actual system use were not significantly influenced by anxiety. Wed, 01 Jan 2025 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/12706 2025-01-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/12704 Title: Village Economics Acceleration: Evaluation of Business Strategy Schemes in The Retail Business Authors: Barokatul Fajri, Mega; Wahyudha Rosiawan, Rizky; Farihatul Bait, Jennifer Abstract: Lamongan Regency's economic growth 2020 decreased from 5.5 percent to -2.26 percent, so the district government tried to boost the regional revenue growth rate through BUMDes (Village Owned Enterprises). The Village Community Empowerment Service (PMD) established LA Mart as a local retail business managed by BUMDes in 2018. The existence of LA Mart is a strategic step to accelerate the movement of the village economy. Among the many LA Marts that have been established since being initiated in 2018, there are only five LA Marts that have survived and exist throughout the Lamongan district today. This study aims to evaluate the current business strategy of LA Mart and provide solutions in the form of updating relevant strategies by LA Mart. Data collection methods used in this research include interviews, document analysis, and observation. The data analysis used is a qualitative descriptive analysis by evaluating and comparing the strategies used, using a business strategy approach including Business Model Canvas (BMC), Value Chain, and Porter's Five Generic Strategy at LA Mart in Lamongan. The results of this study showed that the current LA Mart business has used a combination strategy between low prices and differentiation strategies. LA Mart can indirectly increase the market share of the village economy and provide opportunities for the community and MSMEs to innovate and produce competitive products Wed, 01 Jan 2025 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/12704 2025-01-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/12702 Title: Innovation as A Driver of SMEs Sustainability: A Systematic Review of the Literature Authors: Latifannisa, Nuri; Wardi, Yunia; Marwan, Marwan Abstract: One interesting area of research is innovation for the sustainability of Small and Medium Enterprises (SMEs), which has increasingly attracted economists' attention in recent years. This paper is a literature review of several articles on the application of innovation to encourage SME sustainability. This paper aims to ensure that technological, process, and production innovation are integrated ways to drive SME sustainability and are most widely used in the literature, especially about SME sustainability. Based on a comprehensive review of innovation variables with systematic literature review methods, the search yielded 25 articles from journal publications indexed in ScienceDirect. The results concluded that product innovation could create significant added value and open up new market opportunities while marketing innovation and business models can increase customer reach and adaptability of SMEs to a dynamic business environment. Product innovation, marketing, and business models can be applied to encourage SMEs' sustainability to encourage SMEs' sustainability. Government policy support, access to financing, and strategic partnerships are critical factors for the success of this innovation initiative, which overall improves the competitiveness and viability of SMEs. Wed, 01 Jan 2025 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/12702 2025-01-01T00:00:00Z