International Journal of Management, Accounting & Finance (KBIJMAF) https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF <p style="text-align: justify;"><strong> <strong>International Journal of Management, Accounting &amp; Finance (KBIJMAF)</strong><span style="font-weight: 400;"> is a peer-reviewed international journal published by STIE Kasih Bangsa Institute of Research and Community Services/Lembaga Penelitian dan Pengabdian kepada Masyarakat. The journal disseminates contemporary research, prominent theories, and exemplary practices in the fields of management, accounting, and finance from a global perspective. Encompassing a wide-ranging scope, the journal features articles addressing diverse topics, including but not limited to strategic management, financial accounting, risk management, investment analysis, and corporate finance. Additionally, the journal presents interdisciplinary research which synthesizes management, accounting, and finance concepts with other disciplines, such as economics, psychology, and sociology. This publication is issued quarterly in <strong>January, April, July, and October.</strong></span></strong></p> en-US LPPM@stiekasihbangsa.ac.id (Tanti Sugiarti) LPPM@stiekasihbangsa.ac.id (LPPM STIE Kasih Bangsa) Wed, 07 Jan 2026 23:55:31 +0700 OJS 3.3.0.19 http://blogs.law.harvard.edu/tech/rss 60 Linking Equal Employment Opportunity to Innovative Work Behavior: The Roles of Organizational Justice, Psychological Safety, and Employee Engagement https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/376 <p class="abstractFAITH" style="margin-top: 0cm; line-height: normal;"><em><span lang="EN-US">This study explored the impact of equal employment opportunity (EEO) on innovative work behavior, with organizational justice, psychological safety, and employee engagement as mediators, within Indonesia's banking sector. A quantitative survey design was used, gathering data from employees in both private and state-owned banks. Partial least squares structural equation modeling (PLS-SEM) was applied to analyze the proposed relationships. The findings indicated that EEO positively influenced perceptions of fairness, interpersonal safety, and work engagement. These psychological factors were found to have a positive impact on innovative work behavior. Additionally, all three variables acted as significant mediators between EEO and innovative behavior. In essence, the study highlighted how EEO policies based on fairness helped create a work environment that promotes engagement and psychological safety, thereby encouraging employees to generate new ideas and contribute to organizational improvements. These results emphasize the role of fair human resource practices in fostering innovation within organizations.</span></em></p> Venesia Venesia, Syarifah Novieyana, Maria Christiana Iman Kalis Copyright (c) 2025 International Journal of Management, Accounting & Finance (KBIJMAF) https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/376 Thu, 08 Jan 2026 00:00:00 +0700 The Influence The Influence of Digital Marketing and Electronic Word of Mouth (E-Wom) With Brand Image Mediation on Purchase Decisions at Fore Surabaya https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/389 <p><em>This study is intended to investigate the impact of Digital Marketing and Electronic Word of Mouth (e-WOM) on Purchase Decisions, with Brand Image as a mediating variable in Fore Coffee consumers in Surabaya. This study applied a quantitative approach through causal methods, involving 100 respondents who had made transactions at Fore Coffee Sulawesi Street. The data was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of SmartPLS 4 software. The findings of the study show that Digital Marketing and e-WOM have a positive and significant effect on Brand Image and Purchase Decisions. Brand image also has a significant influence on Purchase Decisions. In addition, Brand Image has proven to be a partial mediator, so Digital Marketing and e-WOM continue to have a direct influence, but the effect increases when through Brand Image. The research model produced an R² value of 0.671, which indicates good explanatory ability of the model. Overall, this study emphasizes that strengthening digital marketing strategies, managing e-WOM, and building a consistent brand image is very important in improving consumer purchasing decisions of Fore Coffee.</em></p> Muhammad Efendi Ibrahim , Liling Listyawati , Anita Asnawi , Galuh Ajeng Ayuningtiyas Copyright (c) 2026 International Journal of Management, Accounting & Finance (KBIJMAF) https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/389 Fri, 02 Jan 2026 00:00:00 +0700 The Effect of Service Quality, Promotion, and Price on Customer Satisfaction in Pt. Pos Indonesia (Persero) Pati https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/390 <p>PT Pos Indonesia (Persero), as a long-established Indonesian state-owned enterprise, faces increasing competitive pressure in the logistics industry due to the rapid growth of e-commerce and the emergence of digital-based private courier services. This study focuses on the Pati Branch Post Office, which has experienced rising delivery demand while continuing to encounter challenges related to service quality, promotional effectiveness, and customer price perceptions—factors that potentially influence customer satisfaction. The study aims to analyze the partial and simultaneous effects of service quality, promotion, and pricing on customer satisfaction at the Pati Branch Post Office. A quantitative research approach was employed using survey data collected through questionnaires distributed to customers. The data were analyzed using multiple linear regression to examine the relationships among variables. The results indicate that service quality is the most dominant factor influencing customer satisfaction. Promotion and pricing also have a statistically significant effect, although their influence is relatively weaker compared to service quality. These findings highlight the importance for PT Pos Indonesia to prioritize improvements in service reliability, responsiveness, and assurance to enhance the overall customer experience. In addition, strengthening digital-based promotional strategies and implementing value-based pricing are shown to positively shape customer perceptions. Overall, this study concludes that improving customer satisfaction at the Pati Branch Post Office is primarily driven by service quality enhancement, supported by effective promotion and appropriate pricing strategies aligned with customer value expectations.</p> Dhea Romadhona Achmadi, Sarwani Sarwani, Dian Ferriswara, Damajanti Sri Lestari Copyright (c) 2026 International Journal of Management, Accounting & Finance (KBIJMAF) https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/390 Wed, 07 Jan 2026 00:00:00 +0700 The Influence of Digital HR Practices on Employee Performance in E-Commerce MSMEs : The Role of Work Engagement as a Mediator and Digital Leadership as a Moderator https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/382 <p><em>The increasingly rapid digital transformation demands that MSMEs optimize technology not only in business processes but also in human resource management. Although HR digitalization is believed to improve organizational effectiveness, research on the psychological mechanisms and role of leadership in the context of e-commerce MSMEs is still limited. This study used a quantitative approach with an explanatory survey method and involved 366 respondents from e-commerce MSMEs in various regions of Indonesia. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) techniques to test direct relationships, mediation, and moderation. The results showed that digital HR practices have a positive and significant effect on employee performance. The digitalization of HR functions, such as e-recruitment, e-learning, HRIS, and digital performance management, can improve work effectiveness and the quality of work output. Furthermore, work engagement was shown to mediate this relationship, meaning that employees perform better when they feel more passionate, dedicated, and involved in their work. This mediating role emphasizes the importance of psychological aspects in the successful implementation of digital HR. Leaders who possess a digital vision, provide technological support, and encourage innovation have been shown to increase employee motivation and comfort in working using digital systems. Overall, this study confirms that the success of digital transformation in e-commerce MSMEs is determined not only by the technology used, but also by leadership support and employee engagement. These findings provide important contributions to the digital HR management literature and offer practical implications for MSME owners in increasing competitiveness in the digital era.</em></p> Angga Tritisari , Eliyana Eliyana, Maria Christina Iman Kalis Copyright (c) 2026 International Journal of Management, Accounting & Finance (KBIJMAF) https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/382 Mon, 26 Jan 2026 00:00:00 +0700 Entrepreneurs as Pragmatic Experimenters: A Literature Review on Causal Inference, Feedback Interpretation, and Heuristic Adaptation in Uncertain Environments https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/401 <p><em>This literature review explores how entrepreneurs act as pragmatic experimenters when navigating uncertainty, focusing on three interrelated cognitive processes: causal inference, feedback interpretation, and heuristic adaptation. Drawing on recent empirical and theoretical studies, the review synthesizes how entrepreneurs learn through iterative experimentation, adjust mental models based on ambiguous feedback, and develop heuristics to guide decision-making in unpredictable environments. The findings suggest that entrepreneurial success is often linked to adaptive learning strategies rather than predictive accuracy. This research contributes to a deeper understanding of bounded rationality and cognitive flexibility in entrepreneurial contexts, offering insights for future inquiry into how entrepreneurs balance action and learning under uncertainty.</em></p> Dessy Marhandrie Copyright (c) 2026 International Journal of Management, Accounting & Finance (KBIJMAF) https://jurnal-mnj.stiekasihbangsa.ac.id/index.php/KBIJMAF/article/view/401 Sat, 31 Jan 2026 00:00:00 +0700