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"Fokus penelitian ini adalah tentang analisis strategi pemasaran Isuzu MU-X di PT. Isuzu Astra Motor Indonesia yang menghadapi persaingan ketat dari kompetitor utamanya. Analisis strategi pemasaran didasarkan pada konsep manajemen strategis industri, dengan menggunakan tiga tahapan kerangka perumusan strategi, yaitu tahap input, tahap pencocokan, dan tahap desicion. Menggunakan enam alat utama yaitu Matriks IFE, Matriks EFE, Matriks CPM, Matriks SWOT, Matriks IE (Internal Eksternal), dan Matriks Perencanaan Stratgik Kuantitatif. Alat-alat ini akan digunakan sebagai pembanding satu sama lain saat merumuskan strategi. Ini juga melibatkan metode AHP untuk pembobotan setiap faktor. Hasil penelitian ini menunjukkan bahwa strategi pemasaran terbaik Isuzu MU-X adalah pengembangan produk dan pengenalan mobil dengan reviewer mobil ternama di Indonesia seperti Otodriver, Motomobi, Autonetmagz untuk mendapatkan perhatian lebih dari strategi publik untuk bersaing dengan kompetitor utama. dan untuk meningkatkan volume penjualan

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The focus of this research is about the analysis of marketing strategy for Isuzu MU-X at PT. Isuzu Astra Motor Indonesia, which faces high competition from its main competitors. Marketing strategy analysis is based on the concept of industrial strategic management, by using three stages of strategy formulation framework, namely the input stage, matching stage, and desicion stage. Using six main tools which are IFE Matrix, EFE Matrix, CPM Matrix, SWOT Matrix, the IE (Internal External) Matrix, and the Quantitative Stratgic Planning Matrix. These tools will be used as a comparison with each other when formulating strategies. It also involves the AHP method for weighting each factor. The results of this study indicate that the best marketing strategy for Isuzu MU-X are product development and introducing the car with well-known car reviewers in Indonesia such as Otodriver, Motomobi, Autonetmagz to get more attention from public strategy to compete with major competitors and to increase sales volume."

"Dalam beberapa tahun terakhir, negara berkembang tak jarang terlibat dalam organik sektor, khususnya menjadi produsen pangan organik, hal ini dapat dilihat dengan meningkatnya lahan yang dikhususkan untuk memproduksi bahan pangan organik. Selain lahan, konsumsi pangan organik di negara berkembang terjadi kenaikan walaupun tetap di bawah negara-negara maju. Penyebab terjadinya hal tersebut adalah masih kurangnya pengetahuan tentang organik produk di negara berkembang dan konsumen masih belum peka terhadap konsep organik. Dalam industri organik yang terus berkembang, pelanggan memegang pengaruh penting didalam industri. Perilaku pembeli terhadap produk organik dapat mempengaruhi proses jual beli dalam industri organik. Harga yang premium menjadi salah satu penghalang dalam proses jual beli produk makanan organik, pembeli yang mampu membeli produk organik terkadang berasal dari kelas dengan pendapatan tinggi. Ketersediaan produk pangan organik masih terbilang rendah jika dibandingkan dengan produk pangan konvensional yang dapat ditemukan pada kebanyakan toko dan supermarket. Untuk dapat bersaing di negara berkembang, industri pangan organik harus memiliki strategi yang tepat untuk dapat meningkatkan kesadaran masyarakat, dan hal ini dapat tercapai melalui strategi komunikasi pemasaran. Makalah ini diharapkan dapat memberikan ide bagaimana mengembangkan strategi untuk mendapatkan daya saing pada negara berkembang. Selanjutnya, pembahasan dalam skripsi ini menunjukan bahwa kemasan produk, branding, dan pemilihan influencer yang tepat dapat menjadi sebuah strategi yang baik untuk meningkatkan kesadaran pelanggan dan juga mendapatkan keunggulan kompetitif pada negara-negara berkembang.

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In recent years, developing countries become more involved in organic sector as a producer, and this can be seen from the increasing in land devoted for organic food. Besides of that, the consumption of organic food in developing countries is also increasing but still below developed countries. The reason for this is because people in developing countries are still unfamiliar with organic food products and consumers are still not aware of the organic concept. In this growing industry, customers as a stakeholder play an important role. Their behavior towards organic food can affect the buying process of organic food. Premium prices becomes the major barrier for buying organic food, people that can afford organic products usually come from high income class. The availability of organic food is also low compared to conventional food and they are not available in every supermarket. To gain competitive in developing countries, organic food industries should have a good strategy to increase the people rsquo s awareness, and this can be achieved through marketing communication strategies. This paper is expected to obtain an idea on how to develop strategies in order to gain competitiveness in developing countries. Furthermore, the finding shows that packaging, branding, and using the right influencer could be a good strategy to increase the customers rsquo awareness and also gain a competitive advantage in developing countries."

"Teknologi digital memainkan peran inti dalam penciptaan dan penguatan gangguan yang terjadi di tingkat masyarakat dan industri. Gangguan tersebut berupa perilaku dan ekspektasi pelanggan, lanskap kompetitif dan kesediaan data atau informasi. Berdasarkan data Nielsen (2020), rata-rata biaya iklan yang dikeluarkan oleh pengiklan pada platform media cetak dan radio analog cenderung menurun masing-masing sebesar 7% dan 2% per tahun. Di sisi lain, jumlah pengguna internet di Indonesia meningkat secara signifikan, mencapai 74% dari populasi penduduk. Keberadaan perusahaan teknologi digital semakin memperketat persaingan di industri media Indonesia. Beberapa media terintegrasi secara vertikal maupun horizontal untuk mempengaruhi volume iklan (pendapatan) yang bisa diperoleh. Diperlukan strategi khusus untuk menjalankan integrasi perusahaan pasca-penggabungan organisasi. Keberhasilan strategi integrasi pasca-penggabungan perlu diukur efektifitasnya. Penelitian ini melibatkan penilaian dari 6 orang ahli di bidang manajemen atau profesional yang menduduki posisi manajerial atas. Penilaian ahli diolah menggunakan metode AHP untuk mendapatkan tingkat kepentingan subfaktor terhadap keberhasilan strategi integrasi. Penelitian ini menghasilkan pengembangan peta strategi yang mendukung keberhasilan integrasi pasca-penggabungan di konglomerasi media. Diperoleh 14 strategi objektif yang memiliki hubungan sebab-akibat satu sama lain. Usulan key performance indicator (KPI) pada praktiknya dapat berkontribusi untuk pengukuran kedalaman aktifitas integrasi yang dilakukan oleh perusahaan pasca-penggabungan. Kegiatan pengabungan organisasi ini menjadikan konglomerasi media sebagai one-stop solution bagi pelanggan karena memiliki layanan mulai dari produksi konten, strategi pemasaran hingga platform distribusi konten. Performa perusahaan konglomerasi media pasca-penggabungan organisasi mulai tahun 2019-2022 menghasilkan pertumbuhan omset secara konsisten berkisar antara 8% - 15%. Di sisi lain, penggabungan organisasi dapat menahan laju penurunan pangsa pasar media menjadi sebesar 2% per tahun

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Digital technology plays a core role in creating and amplifying disruption at the societal and industrial levels. These disturbances include customer behavior and expectations, competitive landscape, and availability of data or information. Based on data from Nielsen (2020), the average advertising costs incurred by advertisers on print media platforms and analog radio tend to decrease by 7% and 2% per year, respectively. On the other hand, the number of internet users in Indonesia has increased significantly, reaching 74% of the population. The existence of digital technology companies is increasingly tightening competition in the Indonesian media industry. Some media are integrated vertically or horizontally to influence the advertising volume (revenue) that can be obtained. A specific strategy is needed to carry out the post-merger enterprise integration. The success of the post-merger integration strategy needs to be measured for its effectiveness. This research involves the assessment of 6 experts in the field of management or professionals who occupy top managerial positions. Expert judgments were processed using the AHP method to obtain the level of importance of the subfactors on the success of the integration strategy. This research resulted in developing a strategy map that supports the success of post-merger integration in media conglomerates. Obtained 14 objective strategies that have a causal relationship with each other. The proposed key performance indicator (KPI) in practice can contribute to measuring the depth of integration activities carried out by the post-merger company. The merging of these organizations makes media conglomerates a one-stop solution for customers because they have services ranging from content production, marketing strategies to content distribution platforms. The performance of the media conglomerate company after the merger from 2019-2022 resulted in a consistent turnover growth ranging from 8% - 15%. On the other hand, the merger of organizations can prevent the decline in media market share to just 0,2% per year ."

"ABSTRAKKecerdasan buatan (AI) telah menjadi sebuah teknologi yang penting dan berdampak besar pada banyak aspek kehidupan kita. Penelitian ini secara khusus meneliti bagaimana kecerdasan buatan mempengaruhi pengalaman pelanggan dalam industry ritel online. Pengalaman pelanggan adalah factor penting dalam bisnis untuk memberikan keunggulan kompetitif. Karena itu, perusahaan menjadi lebih memperhatikan pengalaman pelanggan. Industri ritel online telah menjadi pengganti belanja ritel tradisional. Perusahaan berbasis e-commerce lainnya telah meningkatkan ketuntungannya dan menjadi lebih kompetitif dengan mengintegrasikan operasinya menggunakan AI. Saat ini, penjualan global e-commerce mencapai $2.304 miliar pada tahun 2017 dan diperkirakan akan tumbuh sebesar $ 4.878 miliar pada tahun 2021, yang berarti penjualan akan dua kali lipat hanya dalam empat tahun. Dengan bantuan AI, pengalaman pelanggan dapat ditingkatkan lebih lanjut. Dengan demikian, penelitian ini meneliti tentang bagaimana AI dalam industry ritel online berperan dalam membentuk keunggulan kompetitif. Teori dasar untuk penelitian ini adalah dari pandangan berbasi sumber daya dan kemampuan dinamis dimana itu menganalisis tentang bagaimana perusahaan dapat memanfaatkan sumber dayanya dan terus beradaptasi di pasar yang dinamis. Karena ada banyak bukti bahwa kemajuan dalam informasi dan teknologi mempengaruhi kehidupan kita dengan cara yang lebih baik, harapan dalam penelitian ini adalah bahwa AI dapat secara drastic mengubah / meningkatkan cara kerja bisnis, dalam hal ini, pengalaman pelanggan.

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ABSTRACT

Artificial Intelligence (AI) is becoming an important technology and has substantially impact on many aspects of our lives. This paper specifically examines how Artificial intelligence influence customer experience in the online retail industry. Customer experience is the critical factor of business to provide a competitive advantage. Because of that, companies are becoming more aware of customer experience. The online retail industry has become a substitute for traditional retail shopping. Other e-commerce-based companies also have increased profit and becoming more competitive by integrating its operation using AI. Currently, the global sales of e-commerce are $2,304 billion in 2017 and are forecasted to grow for $4,878 billion in 2021, which means the sales will be doubled in just four years. With the help of AI, the customer experience can be increased further. Thus, this research inspects on how AI in the online retail industry plays a role in shaping competitive advantage. The fundamental theory for this study is resource-based view and dynamic capabilities where it analyses on how companies able to utilize its resource and continuously adapt in the dynamic market. Because there is much proof that advancement in information and technology is affecting our lives in a better way, the expectation in this research is that AI can drastically change/improve how business works, in this case, the customer experience."

"The competitiveness level among the companies tend to be higher, particularly since the adoption of several regional free trade areas such as Asean Free Trade Area (AFTA). Almost all the companies will face various impacts, both of negative and positive impacts.

Kitchenware industry is one of the fastest growing industries in Indonesia. This occurred since Indonesia was the fourth densely populated country. Kitchenware industry is a potential business, referring to market, because of the number of house holds. Data released by the Statistic Agency shows that there are 2.248.388 house holds around Jakarta in 2000 with annual growth rate 2,68% approximately.

PT Batin Eka Perkasa (PT BEP) is a company in the kitchenware industry. Since was set up 14 years ago, now it has 24 branches around Indonesia.PT BEP offering two kind of payments, cash and credit.

In a competitive industry, a company should prepare itself to face the potential attacks by competitors. PT BEP undertakes preparation by enhancing strategic formulation in order to match precisely to its vision, mission, goals, and objectives.

The data used in this research include both primary and secondary data. The primary data was collected by in-depth interview with 24 purposive respondents, while secondary data was collected by literary study such as journals, articles, news papers and other publication.

The data collected is discussed in a forum group discussion (FGD) by selected members from the respondents which have the same interests. This group will determine the priority of each factor of strengths, weaknesses, opportunities and threats, value the factors and give priority score of the urgency of these factors.

The model analysis used in this paper were Porter's environmental industry analysis such as Porter's five forces, key success factors and SWOT analysis.

By observing threats, opportunities, weaknesses, and strengths, the results of this research are:

1. The external opportunities of PT BEP are Indonesian economy 2003-2006 are prospective to support kitchenware industries; the large numbers of households; the adoption of AFTA will cut costs, the increase of materials suppliers, and the developing of information technology.

2. The external threats faced by PT BEP are the adoption of AFTA will let the new entrants come into the industry, the government policy to increase fuel prices, unstable political environment, the fast growing of new technology in kitchenware industry.

3. The internal strengths of PT BEP are various item of products, many branches, the widely line of distribution, the ability to set up new branches, the large number of sales forces, well sale forces management, relatively lower prices and after sales services.

4. The internal weaknesses of PT BEP are the ordinary qualities, high product return, manual information system, inefficient logistics system, high employee turnover and high bad debt collection.

5. Based on SWOT interaction results, the best strategy of PT BEP in the tight of competition is Strengths-Threats (S7) strategy which comprise both strengths side and threats side.

This research recommended management of PT BEP to adopt ST strategy and make more research in implementing the strategy into company's policy."

"Penelitian ini akan menganalisa bagaimana perusahaan FMCG bisa memperbaiki usaha pemasaran dan proses produksi untuk memperoleh keterikatan konsumen melalui program tanggung jawab sosial perusahaan. Program tanggung jawab sosial kadang dianggap hanya untuk mencari nama. Seharusnya, program ini digunakan sebagai jembatan menuju pelanggan, di mana pelanggan bisa berkontribusi, maka dari itu meningkatkan kesadaran dan kepercayaan. Hal-hal yang disebutkan di dalam penelitian ini bertujuan untuk meningkatkan keterikatan konsumen, yakni semua hal yang berhubungan dengan kondisi emosional dan perilaku konsumen terhadap suatu produk. Landasan teori penelitian ini adalah dynamic capability, menganalisis bagaimana perusahaan harus beradaptasi untuk menganggapi tuntuntan masalah lingungan dengan program tanggung jawab sosial yang masuk akal, dan juga teori stakeholder based competition, karena tanggung jawab sosial berhubungan dengan hampir seluruh bagian stakeholder suatu perusahaan.

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This research will elaborate on where can FMCG firms improve their marketing and production practices to engage consumer through Corporate Social Responsibility (CSR) activities.  Some firms confuse CSR by just renaming purpose for publicity. Nonetheless, the better way to use CSR as a bridge to your consumer is when they are involved, therefore increasing awareness and trust. Practices discussed in this study aim to increase consumer engagement, which is anything in regard to emotional and behavioural conditions on a consumer to your brand. Perspectives in this research is dynamic capability, because firms has to be adaptable more than ever to keep up with the current environmental pressure, in relation to have visible and effective CSR practices. This research also views the stakeholder based competition perspective. This is important as this research deals with CSR that interacts with most of stakeholder."

"Seiring dengan dilakukannya ujicoba terhadap TV digital free to air, dilakukan pula uji coba terhadap layanan Mobile TV berbasis DVB-H. Terdapat dua konsorsium yakni konsorsium Tren Mobile TV dan kosorsium Telkom yang diberikan kesempatan uji coba. Jika uji coba berhasil maka kedua konsorsium tersebut diberikan lisensi oleh pemerintah untuk menyelenggarakan layanan Mobile TV berbasis DVB-H di Indonesia. Sebagai calon pemain baru dalam layanan Mobile TV dengan teknologi yang juga baru yakni DVB-H, tentunya bukanlah hal yang mudah bagi kedua konsorsium tersebut untuk ikut bermain dalam layanan Mobile TV. Perlu dilakukan analisis khususnya mengenai tekanan kompetitif dan keunggulan kompetitif layanan Mobile TV berbasis DVB-H di Indonesia untuk melihat tingkat ketertarikan dan profitabilitasnya. Tesis ini menganalisis potensi tekanan kompetitif serta menentukan strategi positioning yang tepat bagi layanan Mobile TV berbasis DVB-H supaya memiliki kinerja diatas rata-rata dan tingkat profitabilitas yang tinggi. Dari hasil analisis didapatkan tekanan kompetitif dari layanan Mobile TV saat ini adalah Medium to High. Dengan strategi positioning yang berupa keunggulan biaya, diferensiasi, dan fokus didapatkan penurunan tingkat tekanan kompetitif menjadi Low to Medium.

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During the free to air digital TV trial in Indonesia, it is also executed the Mobile TV service based on DVB-H trial. There are two consortiums, Tren Mobile TV and Telkom consortium, that are given the trial occasion. If the result of this trial is successful, then both of consortium will be given a lisence by the government to implement Mobile TV service based on DVB-H in Indonesia.

As new entrant in Mobile TV service with new technology called DVB-H, certainly is not easy mentioned for both of consortium to make a role in the service. It is absolutely needed to analyze the competitive pressure and competitive advantage of Mobile TV srvice based on DVB-H in Indonesia in order to know the level of industry attractiveness and its profitability.

This thesis analyzes the level of competitive pressure of Mobile TV DVB-H service and also determines appropriate positioning strategy in order to have best performance and high profitability level. It can be found from this analysis that the competitive pressure of Mobile TV DVB-H service is Medium to High. By implementing positioning strategy such as cost leadership, differentiation, and focus, it is obtained descending of competitive pressure level into Low to Medium."

"Dalam lanskap pasar yang sangat kompetitif, menerapkan strategi kompetitif adalah fundamental bagi perusahaan yang ingin membangun posisi pasar yang kuat relatif terhadap pesaing. Pendekatan strategis ini dapat meningkatkan keunggulan kompetitif dan kinerja organisasi mereka. Namun, penekanan pada penelitian tentang implementasi strategi kompetitif dalam industri asuransi jiwa, terutama di Indonesia, masih kurang. Selain itu, literatur yang ada sebagian besar telah mengabaikan kemampuan adaptasi strategi terhadap lanskap eksternal yang berkembang, aspek penting bagi perusahaan yang beroperasi di pasar dinamis seperti Indonesia. Untuk menjembatani kesenjangan ini, penelitian ini bertujuan untuk melakukan pemeriksaan komprehensif terhadap proses-proses yang terlibat dalam implementasi strategi kompetitif, faktor-faktor yang memengaruhi keberhasilan implementasinya, dan manfaat yang dihasilkan dalam industri asuransi jiwa di Indonesia. Data untuk studi ini diperoleh melalui wawancara semi-terstruktur dengan empat individu yang bertanggung jawab atas implementasi strategi di sebuah perusahaan asuransi jiwa tertentu di Indonesia. Analisis tematik kemudian digunakan untuk menganalisis data yang dikumpulkan. Penemuan menekankan faktor-faktor kunci keberhasilan implementasi, yang melibatkan penilaian kapabilitas internal dan lingkungan eksternal. Selain itu, penelitian ini menyoroti pentingnya mengikuti kerangka kerja melingkar untuk implementasi strategi yang efektif, dengan menekankan perlunya menganalisis lingkungan eksternal, menyelaraskan strategi di dalam organisasi, beradaptasi dengan kondisi pasar yang dinamis, dan mengevaluasi kinerja strategi. Melalui implementasi proses yang efektif dan pertimbangan faktor-faktor kunci keberhasilan, perusahaan mampu memperoleh keunggulan kompetitif dan meningkatkan kinerjanya. Oleh karena itu, disertasi ini berkontribusi pada peningkatan pengetahuan di bidang ini dengan menawarkan wawasan terkini tentang implementasi strategi kompetitif dalam industri asuransi jiwa di Indonesia. Ini menekankan pentingnya implementasi yang efektif dalam menghadapi tantangan eksternal dan mencapai keberhasilan dalam lingkungan yang dinamis. Dengan demikian, studi ini memberikan wawasan yang berguna bagi para manajer, menekankan pentingnya menilai lingkungan internal dan eksternal, memastikan keselarasan strategi, mendorong komunikasi yang efektif, dan mempertahankan kelincahan dalam merespons perubahan pasar dan persyaratan regulasi.

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In a fiercely competitive market landscape, implementing a competitive strategy is fundamental for companies seeking to establish a strong market position relative to competitors. This strategic approach may enhance their competitive advantage and organisational performance. However, there has been a lack of emphasis on research into the implementation of competitive strategies within the life insurance industry, particularly in Indonesia. Furthermore, existing literature has largely overlooked the adaptability of strategies to evolving external landscape, a critical aspect for firms operating in dynamic markets like Indonesia. To bridge these gaps, this research aims to conduct a comprehensive examination of the processes involved in implementing competitive strategies, the factors influencing their successful implementation, and the subsequent benefits within the Indonesian life insurance industry. Data for this study was obtained through semi-structured interviews with four individuals in charge of strategy implementation at a specific life insurance company in Indonesia. Thematic analysis was then employed to analyse the collected data. The findings underscore the key factors of successful implementation, involving assessment of internal capabilities and external environment. Moreover, it highlights the importance of adhering to a circular framework for effective strategy implementation, emphasising the necessity of analysing external environment, aligning strategy within the organization, adapting to dynamic market conditions, and evaluating strategy performance. Through the implementation of an effective process and consideration of key success factors, the company was able to earn a competitive advantage and enhance its performance. Therefore, this dissertation contributes to advancing knowledge in the field by offering updated insights into competitive strategy implementation within the Indonesian life insurance industry. It underscores the significance of effective implementation in navigating external challenges and attaining success within a dynamic environment. Consequently, the study provides useful insights for managers, emphasizing the importance of assessing both internal and external environments, ensuring strategic alignment, fostering effective communication, and maintaining agility in response to market changes and regulatory requirements."

"UMKM merupakan salah satu sektor yang memiliki dampak begitu besar pada suatu perekonomian negara termasuk di Indonesia. Namun dengan besarnya kontribusi dari sektor tersebut, untuk Indonesia sendiri sektor ini belum mencapai potensi terbaik. Dari berbagai macam solusi yang diberikan, satu yang menjadi subjek penelitian ini yaitu melalui inovasi. Tujuan penelitian ini adalah untuk memeliti faktor apa yang paling mempengaruhi adanya suatu inovasi terjadi pada UMKM industri halal. Dalam proses pengembangan framework penelitian ini, peneliti mengadopsi kerangka Dynamic Capabilities Theory dan Entrepreneurial Theory sebagai teori utama yang diperluas dengan menambahkan faktor nilai islam. Data sampel yang diperoleh sebanyak 133 responden yang disebar melalui kuesioner online dan offline, kepada pengusaha UMKM yang sudah memiliki pengalaman lebih dari setahun. Kemudian, data yang telah diperoleh akan diolah kembali menggunakan metode structural equation modelling (SEM) pada software SmartPLS 4. Hasil dari penelitian ini menemukan bahwa dari 4 faktor yang diujikan hanya faktor nilai islam yang signifikan secara positif mempengaruhi inovasi bisnis, dan hanya nilai islam yang signifikan secara positif mempengaruhi kinerja bisnis usaha melalui mediasi inovasi. Sementara faktor strategi bisnis dan keunggulan kompetitif dinilai tidak memiliki signifikansi terhadap faktor inovasi bisnis. Di lain sisi, faktor strategi bisnis dan keunggulan kompetitif berpengaruh secara langsung terhadap performa bisnis. Berdasarkan hasil penelitian ini, UMKM diharapkan mampu mengupayakan diri mereka yang dibantu oleh pemerintah dan lembaga inkubasi lainnya untuk dapat mengoptimalkan sektor UMKM di Indonesia. Secara khusus, UMKM bisa meningkatkan influensi nilai islam pada usaha untuk meningkatkan inovasi dan kinerja bisnis UMKM itu sendiri.

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MSMEs are a sector that has a huge impact on a country's economy, including Indonesia. However, with the large contribution from this sector, for Indonesia itself this sector has not yet reached its best potential. Of the various solutions provided, one that is the subject of this research is through innovation. The aim of this research is to examine what factors most influence the existence of innovation in the halal industry MSMEs. In the process of developing this research framework, researchers adopted the Dynamic Capabilities Theory and Entrepreneurial Theory frameworks as the main theories which were expanded by adding Islamic value factors. Sample data obtained from 133 respondents was distributed via online and offline questionnaires to MSME entrepreneurs who had more than a year of experience. Then, the data that has been obtained will be reprocessed using the structural equation modeling (SEM) method in SmartPLS 4 software. The results of this study found that of the 4 factors tested, only the Islamic values ​​factor was significantly positive in influencing business innovation, and only Islamic values ​​were significantly positively influences business performance through innovation mediation. Meanwhile, business strategy and competitive advantage factors are considered to have no significance to business innovation factors. On the other hand, business strategy factors and competitive advantage have a direct influence on business performance. Based on the results of this research, MSMEs are expected to be able to develop themselves, assisted by the government and other incubation institutions, to be able to optimize the MSME sector in Indonesia. In particular, MSMEs can increase the influence of Islamic values ​​on businesses to improve innovation and business performance of MSMEs themselves."

"Perkembangan Teknologi Informasi dan Komunikasi mampu meningkatkan servis layanan keuangan dengan memanfaatkan basis teknologi yang dikenal sebagai `Fintech`. Perusahaan dan Start-up berperan sebagai disintermediasi layanan bank tradisional dengan mengembangkan platform online yang bertujuan untuk menawarkan solusi finansial sesuai dengan kebutuhan dan keinginan masyarakat. Dengan melihat perspektif teori dynamic capabilities dan stakeholderbased theory, karya ilmiah ini bertujuan untuk menganalisa pentingnya adaptasi perubahan teknologi terhadap pemenuhan kebutuhan masyarakat dan kepuasan stakeholder. Karya ini berfokus pada empat jenis layanan Fintech yaitu Mobile Payments, Crowdfunding, Peer-to-PeerLending, dan Robo-Advisory. Selain itu, penelitian ini memperluas teori yang terdapat dalam literatur Fintech, Technology Acceptance Model (TAM), yang diusulkan oleh Davis (1986) dengan mengintegrasikan unsur digital marketing sebagai strategi pemasaran online. Harapan yangdidapat dalam penelitian ini menunjukkan bahwa digital marketing dapat menangkap awareness masyarakat tentang pentingnya aspek berkelanjutan (sustainability), terlihat pada manfaat sosial dari penggunaan Fintech dalam pembentukan sikap dan perilaku masyarakat untuk menggunakan layanan keuangan berbasis teknologi. Persepsi positif dan tanggapan dari masyarakat dan pengguna Fintech dapat mendorong siklus pembayaran, pinjam meminjam, dan investasi berkelanjutan yang menghasilkan keuntungan kompetitif bagi perusahaanThe development of Information Communication and Technology (ICT) has shifted financial services to technological devices known as `Fintech` Companies and technological start-ups act as disintermediation of the traditional bank services by developing an online platform that offers customization financial solutions accordance to the customer needs and wants. By takingdynamic capabilities and stakeholder-based theory as the fundamental theories, this paper analyses the importance of adapting technological changes for customer preferences adjustment and satisfying the firm`s stakeholders. This study focuses on the four main types of fintech services namely Mobile Payments, Crowdfunding, Peer-to-Peer Lending, and Robo- Advisory.This research aims to extend the existing theory in fintech literature, Technology Acceptance Model (TAM) proposed by Davis (1986), through integrating the elements of digital marketing as an online promotion strategy. The expectations of this study show that digital marketing can capture customer awareness regarding the sustainability aspect, particularly, the social benefits of fintech to shape their attitude and behavioural intention towards using the financial services. A positive perception and response from customers lead to a continuous lifecycle of payment,lending, borrowing, and investing that results in companies gaining a competitive advantage."