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A Challenges–Adaptive Mechanisms–Results (CARE) Model for Indonesian Entrepreneurs with Disabilities 印尼残疾企业家的挑战-适应机制-结果(CARE)模型
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.2.3
Anis Wahyu Intan Maris, Iftita Rahmi
Abstract. This article explores challenges that motivate persons with disabilities to engage in entrepreneurship and adaptive mechanisms to overcome their challenges. The study expands the understanding of the initial challenges-adaptive mechanisms-results (CARE) model by including entrepreneurs with different disabilities who deal with various challenges and adaptive mechanisms to attain social, personal, and business-related goals. We conducted semi-structured interviews to explore the lived experiences of nine entrepreneurs with physical, sensory, or mental disabilities. Our empirical findings indicate that difficulties at the personal level decreased all respondents' job opportunities, which encouraged them to become entrepreneurs in striving for independent living. We find support from their circle, education, and technological advancements to have been the most effective adaptive mechanism strategies leading their entrepreneurial activities to success. The expanded CARE model contributes to the literature on entrepreneurship for persons with disabilities and provides insights potentially for all stakeholders supporting the entrepreneurial ecosystem for persons with disabilities. Keywords: Challenges, adaptive mechanism, disability, disabled entrepreneurs, entrepreneurship
摘要本文探讨了激励残疾人从事创业的挑战和克服挑战的适应性机制。本研究扩展了对初始挑战-适应机制-结果(CARE)模型的理解,纳入了不同残疾的企业家,他们应对各种挑战和适应机制,以实现与社会、个人和商业相关的目标。我们进行了半结构化访谈,以探索9位身体、感官或精神残疾的企业家的生活经历。我们的实证研究结果表明,个人层面的困难减少了所有受访者的就业机会,这鼓励了他们成为争取独立生活的企业家。我们发现来自他们的圈子、教育和技术进步的支持是引导他们创业活动成功的最有效的适应机制策略。扩展后的CARE模型为残疾人创业文献做出了贡献,并为支持残疾人创业生态系统的所有利益相关者提供了潜在的见解。关键词:挑战,适应机制,残疾,残疾企业家,创业精神
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引用次数: 0
The Impacts of Risk-Based Bank Rating (RBBR) Ratios on Stock Return of BUKU III Banks Listed on The Indonesia Stock Exchange, 2011-2020 2011-2020年印尼证券交易所BUKU III类上市银行RBBR比率对股票收益的影响
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.2.7
W. M. Daryanto
Abstract. As the banking sector plays a major role in supporting and increasing a country's economic rate, banks are expected to perform its function well. However, the COVID-19 pandemic and government containment measures led to a sudden stop in real economic activity and placed the financial system under strain, culminating in severe liquidity stress in 2020. This shock has hit all sectors, including the stock market, with many having become hesitant to invest in stocks. This study aims to determine the impact of the Risk-Based Bank Rating (RBBR) method on stock return of the banks in the BUKU III category in Indonesia. The study's population comprises all banks listed in the Indonesia Stock Exchange, and the purposive sampling technique is used, for a sample size of nine banks. Via multiple regression analysis techniques, the study findings show that credit risk, liquidity risk, earnings, and capital simultaneously and significantly impact the stock return of the banks in BUKU III. Furthermore, the categories of credit risk, NPL and earnings, and ROA have a significant and positive impact on the stock return of the banks in BUKU III, unlike capital, whose impact is not found to be significant. Since those factors affect banks' stock return, the banks' management ought to give more consideration to the importance of risk management. Keywords: BUKU III, bank's healthiness, Risk-Based Bank Rating, stock return, COVID-19
摘要由于银行业在支持和提高一个国家的经济增长率方面发挥着重要作用,因此人们期望银行能很好地履行其职能。然而,2019冠状病毒病大流行和政府遏制措施导致实体经济活动突然停止,并使金融体系面临压力,最终在2020年造成严重的流动性压力。这一冲击冲击了包括股市在内的所有行业,许多人对投资股市变得犹豫不决。本研究旨在确定基于风险的银行评级(RBBR)方法对印尼BUKU III类银行股票收益的影响。研究对象包括在印尼证券交易所上市的所有银行,并采用了有目的的抽样技术,样本量为9家银行。通过多元回归分析技术,研究发现信用风险、流动性风险、收益和资本同时显著影响着北库三期银行的股票收益。此外,信用风险、不良贷款和收益类别以及ROA对BUKU III银行的股票收益有显著的正影响,而资本的影响不显著。由于这些因素影响着银行的股票收益,银行的管理层应该更多地考虑风险管理的重要性。关键词:BUKU III,银行健康度,风险银行评级,股票收益,COVID-19
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引用次数: 0
The Influence of Financial Threat on Go-Jek Drivers' Willingness to Change Financial Behavior in Surabaya, Indonesia 金融威胁对印尼泗水Go-Jek司机改变金融行为意愿的影响
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.1.5
Njo Anastasia, Axel Avila
Abstract. During the COVID-19 pandemic, Go-Jek drivers have experienced economic difficulties due to a decline in online orders from consumers. This decline and the fear of contracting the virus have prompted Go-Jek drivers to try various alternatives to be able to meet their daily necessities. This study aims to determine the effect of financial threat on the willingness to change financial behavior among Go-Jek drivers in Surabaya, Indonesia. Data was collected through a questionnaire distributed online using Google Forms, Instagram as well as offline, so that 100 respondents could be obtained. After the data was collected, it was processed through SEM-PLS to examine the relationship of economic hardship, debt, anxiety, and financial threat to willingness to change financial behavior. On the one hand, the results of the analysis show that debt and anxiety had a significant effect on financial threat, and that financial threat had a significant effect on the willingness to change financial behavior. On the other hand, they indicated that economic hardship did not have a significant effect on financial threat. Difficult financial conditions affected Go-Jek drivers' psychological conditions, and they had to be willing to change their financial behavior to survive; hence, psychological factors and financial knowledge have an influence on individuals in terms of their ability to make wise financial decisions. Keywords: Economic hardship, debt, anxiety, financial threat, willingness to change financial behavior
摘要在新冠肺炎疫情期间,Go-Jek司机因消费者的在线订单减少而陷入了经济困境。这种下降和对感染病毒的恐惧促使Go-Jek司机尝试各种替代方案,以满足他们的日常必需品。本研究旨在确定金融威胁对印度尼西亚泗水Go-Jek司机改变金融行为意愿的影响。通过谷歌Forms、Instagram以及线下发放问卷的方式收集数据,共获得100名受访者。数据收集后,通过SEM-PLS进行处理,以检验经济困难、债务、焦虑和金融威胁与改变金融行为意愿的关系。一方面,分析结果表明,债务和焦虑对金融威胁有显著影响,金融威胁对改变金融行为的意愿有显著影响。另一方面,他们指出,经济困难对金融威胁没有重大影响。困难的财务状况影响了Go-Jek司机的心理状况,他们必须愿意改变自己的财务行为才能生存;因此,心理因素和财务知识对个人做出明智财务决策的能力有影响。关键词:经济困难,债务,焦虑,金融威胁,改变金融行为的意愿
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引用次数: 0
Project Performance Through an Occupational and Health Safety Management System at an Office Building Project in Lampung Indonesia 在印度尼西亚南榜的一个办公楼项目中,通过职业和健康安全管理系统的项目绩效
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.2.4
A. Purwanto, S. Hartono
Abstract. A project contractor may fail to deliver on time, quality, and budget expectations due to incidents resulting in injuries and fatalities, as well as asset damage, elevated costs, and delays. This research aims to gauge a business improvement model on OHS (occupational and health safety) performance developed from operation standardization, communication, competency, hazard identification, and management commitment. Commitment initiates risk analysis for developing standardization, communication, and competency to achieve OHS performance. The present case study concerns a contractor establishing a local government office building in Lampung. It takes 100 respondents as a sample out of the 124 personnel in this construction project, relying on a quantitative method which processes data via PLS software to obtain the direction and magnitude of variable influences. OHS policy exhibits influence at 0.587 on HIRADC (Hazard Identification Risk Analysis and Determining Control); it affects standardization, competency, and communication at the values of 0.704, 0.450, and 0.300. The three variables then simultaneously affect OHS performance at the values of 0.540, 0.065, and 0.116. OHS performance affects business performance at a value of 0.384. Keywords: Hazard identification; ohs performance; business performance; competency; communication; management commitment
摘要由于事故导致人员伤亡、资产损失、成本上升和延误,项目承包商可能无法按时、按质量和按预算交付。本研究旨在从作业标准化、沟通、胜任力、危害识别和管理承诺四个方面,评估OHS(职业健康安全)绩效的业务改进模式。承诺启动风险分析,发展标准化,沟通和能力,以实现职业健康安全绩效。本案例研究涉及在楠榜建立地方政府办公大楼的承包商。在该建设项目的124名人员中选取100名受访者作为样本,采用定量方法,通过PLS软件对数据进行处理,得到变量影响的方向和大小。职业健康安全政策对HIRADC(危害识别、风险分析和确定控制)的影响为0.587;它在0.704、0.450和0.300的值上影响标准化、能力和沟通。这三个变量分别在0.540、0.065和0.116时同时影响OHS性能。OHS绩效对企业绩效的影响值为0.384。关键词:危害识别;ohs绩效;业务性能;能力;沟通;管理承诺
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引用次数: 0
Analysis of Consumer Technology Acceptance Model on Indonesian Telemedicine Applications 印尼远程医疗应用的消费者技术接受模型分析
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.1.2
Muhammad Alfarizi
Abstract. The digital era makes it easier for humans to cope with pandemic-related confinement, including in terms of access to healthcare. Health e-commerce facilitates consumers' access to healthcare and pharmaceuticals without having to leave the house, and startups in the health sector can contribute to economic growth and a culture of healthy living. This study gauges consumer perceptions as related to the purchase of medicines and doctor consultations online through telemedicine platforms in Indonesia. More specifically, we use the technology acceptance model to investigate how consumer perceptions on the quality, services, and products of both web- and application-based platforms influence consumer purchasing intentions for online health consultations and prescription and non-prescription medicines. Our data comprise the responses of 250 survey participants, analyzed via structural equation modeling techniques. The results show that trust can play a positive role in determining consumer intentions to purchase health consultation services or medicines through telemedicine platforms in Indonesia. Moreover, they show that 1) e-commerce telemedicine can earn greater consumer confidence via the improvement of product and service perceptions, and 2) websites and applications can ensure consumer trust via the improvement of website quality and service perceptions. The analysis of our research findings indicates that the quality of websites, applications, services, and product perceptions determine trust, and hence build consumer confidence in shopping for health products or for online consultations with competent doctors. Keyword: Covid-19, digitization, consumer , start up, telemedicine
摘要数字时代使人类更容易应对与大流行有关的禁闭,包括在获得医疗保健方面。卫生电子商务使消费者足不出户就能获得医疗保健和药品,卫生部门的初创企业可以为经济增长和健康生活文化做出贡献。这项研究测量了印度尼西亚消费者对通过远程医疗平台在线购买药品和医生咨询的看法。更具体地说,我们使用技术接受模型来调查消费者对基于网络和基于应用程序的平台的质量、服务和产品的看法如何影响消费者对在线健康咨询、处方药和非处方药的购买意愿。我们的数据包括250名调查参与者的回答,通过结构方程建模技术进行分析。结果表明,信任在决定消费者通过印度尼西亚远程医疗平台购买健康咨询服务或药品的意愿方面发挥了积极作用。此外,他们表明1)电子商务远程医疗可以通过改善产品和服务感知来获得更大的消费者信心,2)网站和应用程序可以通过改善网站质量和服务感知来确保消费者的信任。对我们研究结果的分析表明,网站、应用程序、服务和产品感知的质量决定了信任,从而建立了消费者购买健康产品或与合格医生在线咨询的信心。关键词:新型冠状病毒,数字化,消费者,创业,远程医疗
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引用次数: 0
The Return on IPO Stocks during the COVID-19 Pandemic in Indonesia COVID-19大流行期间印度尼西亚IPO股票的回报
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.3.2
Ghea Revina Wigantini, Y. Nainggolan
Abstract. Conducting an initial public offering (IPO) during the COVID-19 pandemic is not easy due to the current high level of economic uncertainty. This study aims to examine the effect of the COVID-19 pandemic on the initial return on IPO shares in Indonesia. In the study, a cross-sectional regression was applied, using a sample of 51 companies that conduct IPOs. It was found that the fear index over the COVID-19 pandemic negatively affected the initial return. The higher the fear index, the lower the return on IPO stocks on the first listing day. The results therefore demonstrates that the fear of COVID-19 influenced the IPO market return in Indonesia. This study extends the literature on the COVID-19 pandemic, especially on the initial return on IPOs. Practically, this research also provides insight into the issuers regarding the appropriate timing of IPOs during the crisis, particularly for investors who wish to buy IPO shares during an uncertain time. Policymakers are expected to mitigate the cases and deaths of COVID-19 in Indonesia, which may reduce investors’ fear related to COVID-19. This paper's limitation is that it only examines data from 2020, as this was the year in which COVID-19 first announced. Future research could include the short-term and long-term performance of IPOs, and also broaden the sample area to a larger region. Keywords: Initial return, IPO, COVID-19, fear index, Indonesia
摘要由于当前经济的高度不确定性,在COVID-19大流行期间进行首次公开募股(IPO)并不容易。本研究旨在检验COVID-19大流行对印度尼西亚IPO股票初始回报的影响。在本研究中,采用了横断面回归方法,选取了51家进行ipo的公司作为样本。结果发现,对新冠肺炎疫情的恐惧指数对初始收益产生了负面影响。恐惧指数越高,IPO股票上市首日的收益越低。因此,研究结果表明,对COVID-19的恐惧影响了印度尼西亚IPO市场的回报。本研究扩展了关于COVID-19大流行的文献,特别是关于ipo初始回报的文献。实际上,本研究还为发行人提供了在危机期间进行IPO的合适时机的见解,特别是对于希望在不确定时期购买IPO股票的投资者。预计政策制定者将减少印度尼西亚的COVID-19病例和死亡人数,这可能会减少投资者对COVID-19的担忧。本文的局限性在于,它只研究了2020年的数据,因为这是COVID-19首次宣布的一年。未来的研究可以包括ipo的短期和长期表现,并将样本区域扩大到更大的地区。关键词:初始收益,IPO, COVID-19,恐惧指数,印尼
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引用次数: 0
Strategic Design to Increase MSME Intentions in Exporting with Standards for Global Market Needs 提高中小微企业出口意愿的战略设计与全球市场需求标准
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.3.3
T. Hanifa, E. Muslim
Abstract. The contribution of Indonesia's exports, with the number of business entities dominating at 99.99%, is relatively low at 14.37%. Meanwhile, large business entities achieved an export contribution for Indonesia of 85.63%. Indonesia was predicted to emerge from the middle-income trap phenomenon in 2036, implying that Indonesia will become a high-income country with the fourth-largest GDP in the world. This demonstrates that Micro, Small, and Medium Enterprises (MSMEs) have enormous potential and opportunities to expand international trade. The many factors hindering MSMEs from exporting and high export standards were among the critical factors for the low intention of MSMEs in exporting and choosing to focus on domestic selling. This study used the Principal Component Analysis (PCA) and Interpretive Structural Modeling (ISM) methods to find out the main factors that cause low intentions on the awareness of MSME business actors in exporting by reducing data on the PCA method to perceived barrier and enabler factors. The ISM method helped produce policy formulation and strategic planning by analyzing the influence of the relationship between factors. 13 main barriers and six main enabler factors were obtained; from them, the action plan was designed through appropriate strategic planning, ordered by the priority of barrier factors and enablers, which are known from the partition level in the ISM model based on the results of discussion agreements with experts. Keywords: Export; export barriers; export enablers, msmes, Indonesian mses, principal component analysis (PCA); interpretive structural modeling (ISM)
摘要印尼出口的贡献相对较低,只有14.37%,而商业实体占主导地位,占99.99%。同时,大型企业对印尼的出口贡献率为85.63%。据预测,印尼将在2036年摆脱“中等收入陷阱”,这意味着印尼将成为GDP排名世界第四的高收入国家。这表明,中小微企业(MSMEs)在扩大国际贸易方面具有巨大潜力和机遇。阻碍中小微企业出口的诸多因素和较高的出口标准是中小微企业出口意愿低、选择以内销为主的关键因素。本研究采用主成分分析(PCA)和解释结构建模(ISM)方法,通过将PCA方法上的数据简化为感知障碍和使能因素,找出导致中小微企业经营者出口意识意愿低的主要因素。ISM方法通过分析影响因素之间的关系,帮助制定政策和战略规划。获得了13个主要阻碍因素和6个主要促进因素;根据这些数据,通过适当的战略规划设计行动计划,根据障碍因素和促成因素的优先级排序,这些因素是基于与专家讨论协议的结果,从ISM模型的分区级别知道的。关键词:出口;出口壁垒;出口推动者,中小微企业,印尼中小微企业,主成分分析(PCA);解释结构建模(ISM)
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引用次数: 0
Does Pricing Strategy Increase the Competitive Advantage of Companies Implementing an ABC System? 定价策略会增加实施作业成本制公司的竞争优势吗?
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.3.4
D. Devie, Hendri Kwistianus, Aileen Jessica Antonia, Elizabeth Wijaya, S. Hatane
Abstract. This study aims to investigate the extent to which pricing strategy creates an effective competitive advantage for companies implementing an activity-based costing (ABC) system in their production activities. The research data were obtained through a questionnaire-based survey of several manufacturing companies in Indonesia that implement ABC systems. This research used the Structural Equation Model with Partial Least Square statistical method. The results of this research indicate that those companies who apply an ABC system are capable of making their pricing strategy more effective and increasing their competitive advantage. The empirical results show that price competition is unavoidable among manufacturing industries. However, implementing an ABC system can increase manufacturing companies' competitive advantage. Thus, the implementation of an ABC System employs pricing strategy as a determinant factor of competitive advantage. This research supports the results of previous studies that also concluded that there is a strong relationship between ABC systems and competitive advantage. In addition, this research found that pricing strategy can improve competitive advantage with implementation of an ABC System. Keywords: Activity-based costing system; competitive advantage; pricing strategy
摘要本研究旨在调查定价策略在多大程度上为在生产活动中实施作业成本(ABC)系统的公司创造了有效的竞争优势。研究数据是通过对印度尼西亚几家实施ABC系统的制造公司进行问卷调查获得的。本研究采用偏最小二乘统计方法的结构方程模型。研究结果表明,采用作业成本制的企业能够使其定价策略更加有效,并增加其竞争优势。实证结果表明,制造业之间的价格竞争是不可避免的。然而,实施作业成本制可以增加制造企业的竞争优势。因此,ABC系统的实施将定价策略作为竞争优势的决定因素。本研究支持了先前的研究结果,这些研究也得出了ABC系统与竞争优势之间存在密切关系的结论。此外,本研究还发现,实施作业成本制后,定价策略可以提高竞争优势。关键词:作业成本核算系统;竞争优势;定价策略
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引用次数: 0
Financial Retirement Plan Based on Knowledge-Based View Theory Perspective 基于知识观的财务退休计划理论研究
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.3.5
L. I. Kumajas, N. F. Wuryaningrat
Abstract. Retirement usually occurs in the age range of 55–65, depending on the type of job. However, during the COVID-19 pandemic, it may not be adequate to measure retirement only by age because many employees were forced to retire early. Thus, the issue of retirement planning has once again become a relevant issue to discuss. Most previous studies explain that retirement planning uses the theory of planned behavior, but unlike these, this study approaches retirement planning with the knowledge-based view theory. The theory of knowledge-based view can explain knowledge as a fundamental resource for an individual’s ability to plan retirement. Data was collected for this study from a survey for employees and professionals in Indonesia and was analyzed with PLS-SEM. Empirical evidence showed that knowledge sharing actually weakens the influence of family financial education on retirement planning. Therefore, it can be concluded that knowledge sharing cannot strengthen family education to make better retirement planning. This study also revealed the possibility that knowledge sharing could change employee retirement planning into other financial plans that are also beneficial for retirement. Keywords: Retirement planning; theory planned behavior; knowledge-based view; knowledge sharing; financial planning
摘要退休年龄通常在55-65岁之间,这取决于工作的类型。然而,在2019冠状病毒病大流行期间,仅按年龄衡量退休可能是不够的,因为许多员工被迫提前退休。因此,退休计划问题再次成为一个相关的问题来讨论。以往的研究大多采用计划行为理论来解释退休计划,而本研究采用基于知识的观点理论来解释退休计划。知识基础观理论可以解释知识是一个人规划退休能力的基本资源。本研究的数据收集自一项针对印尼员工和专业人士的调查,并使用PLS-SEM进行分析。实证研究表明,知识共享实际上削弱了家庭理财教育对退休计划的影响。因此,可以得出结论,知识共享不能加强家庭教育,更好地制定退休计划。本研究也揭示了知识共享可能会将员工的退休计划转变为其他对退休有益的财务计划。关键词:退休计划;理论计划行为;以知识为基础的观点;知识共享;财务规划
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引用次数: 0
Beyond Virality: A Study of Indonesia's Viral Video Ads 超越病毒式传播:印尼病毒式视频广告研究
Pub Date : 2022-01-01 DOI: 10.12695/jmt.2022.21.1.6
Muhammad Fauzan Alyafie, Shimaditya Nuraeni
Abstract. Customers' and companies' strong interest in dynamic advertisements makes brands focus on creating video advertisements that will be viewed and shared by many consumers. However, being “viral” is not the complete picture of a brand's objective. Brands need to find a more valuable virality that focuses not only on the number of shares but also on brand evaluation and sales. Using collections of Indonesia's most popular ads from YouTube Indonesia, the study aims to understand how emotional combinations in ads can affect valuable virality. Results indicate two emotional combinations in the ads, one that focuses strongly on the emotions of joy and surprise (positive ads) and another with the more complex and contrasting emotions of sadness and joy (mixed ads). An experiment showing different types of ads to two groups of a single population further demonstrates how different types of ads can create different effects on valuable virality. Mixed ads outperform positive ads in brand-related outcomes. No difference is found between the effects of positive and mixed ads on sharing intention. The findings shed light on Indonesia's viral ads and how companies can create emotional combinations in video ads to maximize their objectives. Keywords: Viral marketing, advertising, online content, social transmission, video sharing
摘要消费者和企业对动态广告的强烈兴趣使得品牌专注于制作能够被许多消费者观看和分享的视频广告。然而,“病毒式传播”并不是品牌目标的全部。品牌需要找到一种更有价值的病毒式传播方式,不仅关注分享数量,还关注品牌评价和销量。该研究使用了YouTube印度尼西亚网站上印度尼西亚最受欢迎的广告集,旨在了解广告中的情感组合如何影响有价值的病毒式传播。结果表明,广告中有两种情绪组合,一种强烈关注喜悦和惊喜的情绪(积极广告),另一种则是更复杂和对比强烈的悲伤和喜悦的情绪(混合广告)。一项实验向同一人群中的两组展示了不同类型的广告,进一步证明了不同类型的广告如何对有价值的病毒式传播产生不同的影响。混合广告在品牌相关效果上优于正面广告。正面广告和混合广告对分享意愿的影响没有差异。这些发现揭示了印尼的病毒式广告,以及公司如何在视频广告中创造情感组合,以最大限度地实现其目标。关键词:病毒式营销,广告,网络内容,社交传播,视频分享
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引用次数: 0
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Jurnal Manajemen Teknologi
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