E-Loa IJCITSM V5N2 October 2025

E-Loa

Innovation Practices and External Support for MSME Performance and Survival in Indonesia
Pauline Henriette Pattyranie Tan, Martinus Tukiran, Dewi Wuisan

Leadership Configurations Supporting TOGAF-Based Information System Architecture at Jenderal Achmad Yani University
Sigit Anggoro, Asher Nuche

Creation of RAG Chatbot in Answering Queries Related to Banking Terms Using Microsoft Azure
Cindy Aurora, Tuga Mauritsius

A Structural Model of Risk Governance and Maturity in Ultra Microfinance SOEs
Eko Susetyono, Dominicus Savio Priyarsono, Anggraini Sukmawati, Popong Nurhayati

Understanding the Key Drivers Behind User Selection of Digital Banks
Erwin Sugiharto, Viany Utami Tjhin

Framework of Master Data Management in Banking Using Consolidation and Jaro Winkler Algorithm
Ipang Sasono, Mustar Aman

Enhancing Accountability in Hajj Fund Governance Through Regulatory Impact Analysis and Value Chain Model
Achmad Iskandar Zulkarnain, Noer Azam Achsani, Mulya Siregar, Irfan Syauqi Beik

Evaluation of Oracle NetSuite Adoption Using UTAUT Model at PT Austin Engineering Indonesia
Sri Zuliarni, Dwi Kartikasari

Digital Governance Model for Zakat Based on MUI Fatwas in Indonesia
Erni Juliana Al Hasanah Nasution

Enhancing Educational Management through Social Media and E-commerce-Driven Branding
Susy Alestriani Sibagariang, Nanda Septiani, Anthony Rodriguez