The agro-industry plays an important role in the Indonesian economy. However, Micro, Small and Medium Enterprises (MSMEs) in this industry face various challenges to be competitive, one of which is the implementation of the ASEAN Economic Community (AEC) agreement. The study aims to develop a model for the agro-industry Micro-Small Medium Enterprises to face the ASEAN Economic Community (AEC) using entrepreneurial marketing approaches. This research was conducted at three centers of agro-based industry clusters in Indonesia. The respondents were business actors representing the leading Micro-Small and Medium Enterprises (MSMEs) in the fruit-processing industry cluster, fish processing industry cluster and milk processing industry cluster. Primary data collection was conducted through structured interviews using close ended questionnaires. This study used Structural Equation Modelling analysis with a Partial Least Squares (PLS) approach to develop a model of enhancement for the agro-industry clusters in dealing with AEC. The findings suggest that the entrepreneurial marketing has significant impact in increasing business development and business competitiveness. The MSMEs possessing great competitiveness would be more ready to penetrate their business into other ASEAN markets. In addition, supportive government policies that encourage and improve innovativeness can significantly increase the entrepreneurial marketing ability.

The increasing trend of online shopping through e-commerce during the COVID-19 pandemic is also supported by the development of digital payment method, one of which is paylater. Paylater allows consumers to buy now and pay later in monthly installments. Paylater growth in Indonesia can encourage the development of the digital economy and is in line with sustainable development goals (SDGs) number 8, namely increasing inclusive and sustainable economic growth. However, if not controlled, the use of paylaters actually risks triggering compulsive buying behavior and increasing the amount of debt owned by consumers. This research aims to analyze the characteristics of paylater users in Jabodetabek, analyze the influence of psychological factors and financial literacy toward paylater misuse, and analyze the influence of psychological factors, financial literacy, and paylater misuse toward compulsive buying behavior. The sample of this research was 275 respondents of paylater users in Jabodetabek. The research sample was determined using the non-probability sampling method, types convenience sampling and quota sampling. Furthermore, the research results were analyzed using descriptive analysis and Structural Equation Modeling-Partial Least Square (SEM-PLS). The results of this research show that psychological factors, financial literacy, and Paylater misuse hAVE a positive and significant effect on compulsive buying.

The research aims are investigating consumers’ psychology and behavioral characteristics and investigating the consumer’s characteristics that affects experienced preferences in the Greater Jakarta Area. Consumer profile and consumer behavior were carried out using descriptive statistics analysis and cross tabulation analysis. Meanwhile, to measure consumer preferences for herbal toothpastes, logistic regression analysis (logit) was used. This survey was conducted on 459 respondents in the Greater Jakarta area. The results of the analysis show that in general the customers of toothpaste products are women aged 25-44 years and have more than 3 family members. The majority of customers are well educated segments, work as private workers and belong to the SES A group. Based on cross tab analysis, it is known that gender (p value = 0.037) and age (p value = 0.025) have a significant correlation in choosing herbal toothpaste. These results were confirmed in the logit analysis where women prefer herbal toothpastes than men. Based on consumer psychological factors, most customers believe in buying toothpaste at offline stores, except for those who are under 30 years old. However, for consumers who live in DKI Jakarta, they prefer to buy toothpaste through online channels compared to those who live outside DKI Jakarta. Keywords: consumer behavior, consumer profile, herbal toothpastes, logistic regression