Vol. 23 No. 1 March 2022 WINNERSThe Journal P-ISSN: 1412-1212 E-ISSN: 2541-2388 Editor in Chief Arta Moro Sundjaja Bina Nusantara University, Indonesia Managing Editors Noerlina Bina Nusantara University, Indonesia Christian Harito Bina Nusantara University, Indonesia Editor Board Dhiresh Kulshrestha University Rajkot-Gujarat (India), India Martin Thomas Falk University of South-Eastern Norway, Norway Prof. Sangeeta Sahney Indian Institute of Technology Kharagpur, India Sivadass Thiruchelvam Universiti Tenaga Nasional Putrajaya, Malaysia Yudi Fernando Universiti Malaysia Pahang, Malaysia Elia Ardyan Universitas Ciputra Surabaya, Indonesia Hendry Hartono Bina Nusantara University, Indonesia Sevenpri Candra Bina Nusantara University, Indonesia Language and Layout Editor Shavira Sarashita Bina Nusantara University, Indonesia Dina Nurfitria Bina Nusantara University, Indonesia Eka Yanti Pangputri Bina Nusantara University, Indonesia Atmawati Bina Nusantara University, Indonesia Holil Bina Nusantara University, Indonesia Secretariat Dewi Novianti Bina Nusantara University, Indonesia Description The Winners is a semiannual journal, published in March and September. The Winners focuses on various issues spanning in economics, business, management, and information system through this scientific journal. The Winners has been acredited by DIKTI under the decree number 158/E/KPT/2021 (SINTA 2) and indexed by Directory of Open Access Journals (DOAJ), Academic Research Index (Research BIB), Microsoft Academic Search, Garda Rujukan Digital (Garuda), Bielefeld Academic Search Engine (BASE), World Catalogue (WorldCat) and Google Scholar, and Indonesian Research Repository (Neliti). Research and Technology Transfer Office, Bina Nusantara University, Anggrek Campus, Jl. Kebon Jeruk Raya 27, Kebon Jeruk, Jakarta Barat 11530, Tel. +621-5350660 ext. 1705/1708, Fax.+621-5300244, E-mail: thewinners@binus.edu, https://journal.binus.ac.id/ index.php/winners CONTENTS Astri Wening Perwitasari The Effect of Perceived Usefulness and Perceived Easiness towards Behavioral Intention to Use Fintech by Indonesian MSMEs .................................................... 1-9 Andaru Rachmaning Dias Prayitno; Deni Kusumawardani Open Unemployment Rate in the Province of East Java ................................................................. 11-18 Prima Ayundyayasti; Arum Febriyanti Ciptaningtias Evaluating Perceived Service Quality, Perceived Playfulness, and Gratification towards User’s Attitude of Mobile Instant Messaging Application.................................................................. 19-24 Ronaldo Yolanda Putra; Syifa Nurul Fadillah In-Store Marketing Strategies towards Customer Attitude to Private Label Brands using Cue Utilization Theory...................................................................... 25-33 Hendry Hartono; Reeya Ardini The Effect of Opportunity Recognition and Organization Capability on SME Performance in Indonesia Moderated by Business Model Innovation........................................... 35-41 Chesa Ivania Larasati; Purwanto How Financial Ratios and Firm Size Affect Profitability: Evidence from Food and Beverages Industry in Indonesia................................................................ 43-50 Manzilatul Rohmah; Apol Pribadi Subriadi Processes and Activities for Managing Change in Information Systems Implementation in Higher Education Institution.................................................. 51-64 Suwinto Johan Corporate Governance Principles in Sovereign Wealth Fund: The Case of Indonesia Sovereign Wealth Fund.... 65-71 Nensi Mesrani Tarigan; Ferry Doringin; M. Wahyu Budiana The Effect of Entrepreneurship Education and Entrepreneurial Motivation on ARO Gapopin’s Student Interest in Entrepreneurship ..................................................................... 73-79 Fernanda Losaura; Putra Iyang Bodronoyo; Dimas Tri Wibowo The Determinant Factors of E-Loyalty in Customer-to-Customer E-Commerce Moderated by Gender............ 81-93 P-ISSN: 1412-1212 E-ISSN: 2541-2388 Vol. 23 No. 1 March 2022 WINNERSThe Journal