Yoseva Maria Pujirahayu Sumaji

Yoseva Maria Pujirahayu Sumaji, S.E., M.M., MBA., CWM., CFRM.

Joined:

2017

Major:

Management

Academic rank:

Assistant Professor

Yoseva Maria Pujirahayu Sumaji, S.E., M.M., MBA, is a lecturer at Universitas Ciputra. She joined Universitas Ciputra in 2017 and is currently part of Management. She is an academic, researcher, and higher education professional with expertise in financial management, risk management, ESG, and international collaboration. Currently serving as Director of International Office and Head of Collaboration and Global Engagement at Universitas Ciputra Surabaya, I have extensive experience in teaching, research, strategic partnerships, and public-sector consultancy. As a final-year PhD candidate in financial management at Universiti Sains Malaysia, I am passionate about advancing sustainable finance, fostering global partnerships, and creating meaningful impact through education, research, and innovation.

Author Pages

ORCiD	https://orcid.org/0000-0001-6742-1887
Google Scholar	https://scholar.google.co.id/citations?user=8CStZmgAAAAJ
Scopus	https://www.scopus.com/authid/detail.uri?authorId=57215858385
SINTA	https://sinta.kemdikbud.go.id/authors/profile/6712030

Expertise

• ESG
• Risk Management
• Financial Sustainability
• Financial Management

International Journal indexed by Scopus/WoS

• Cross cultural perspectives in entrepreneurial marketing and their implications for SME performance in developing countries. Discover Sustainability (2026)
• Analyzing Blue Ocean Strategy (BOSS) on the Innovative Performance in Eco-Friendly Tourism Services in Indonesia. Journal of Talent Development and Excellence (2020)
• Effect of Supply Chain Management Practices on Financial and Economic Sustainable Performance of Indonesian SMEs. International Journal of Supply Chain Management (2019)

International Journal

• PENGARUH GAYA HIDUP TERHADAP MINAT BELI PRODUK KAYU TREE -X. Jurnal Performa (2022)
• PENGARUH PERCEIVED RISK, TRUST, DAN FASHION INNOVATIVENESS TERHADAP ONLINE PURCHASE INTENTION INCENDIO. Performa (2019)

National Journal indexed by Sinta

• Mutualism and Entrepreneurial Coexistence as Catalysts for Family Businesses Sustainability. Jurnal Nasional Bereputasi (2025)
• The Eclipsing Phenomenon in Celebrity Endorsement, Emotional Response, Purchase Intention Based on the Stimulus-Organism-Response Theory. JAM: Jurnal Aplikasi Manajemen (2024)
• Entrepreneurial Ecosystem, Entrepreneurial Self-Efficacy, Entrepreneurial Intention in Higher Education: Evidence from East Java. JMBI Unsrat (Jurnal Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) (2024)
• The Effect of the Five Aspect Meal Model on Consumer Satisfaction with Redback Specialty Coffee Consumers. Primanomics: Jurnal Ekonomi dan Bisnis (2024)
• Arbitrage vs innovation opportunity analysis among MSMEs actors in Surabaya. Jurnal Ekonomi dan Bisnis (2022)
• Building Canvas Strategy for Integrated Tourism Area and Benchmark: Blue Ocean Strategy Approach. Review of Management and Enrepreneurship (2021)
• MEASUREMENT OF FINANCIAL RISK TO ECONOMIC POLICY IN INDONESIA. FIRM: Journal of Management Studies (2021)
• Analisis Pengaruh Variabel Fundamental dan Makroekonomi terhadap Eksposur Ekonomi (Studi pada Perusahaan Manufaktur yang Terdaftar di BEI Tahun 2015-2017 ). Jurnal Bisnis Terapan (2019)

National Journal

• PENGARUH PERCEIVED RISK, TRUST, DAN FASHION INNOVATIVENESS TERHADAP ONLINE PURCHASE INTENTION INCENDIO. PERFORMA: Jurnal Manajemen dan Start-Up Bisnis (2022)
• PENGARUH TECHNOLOGY ACCEPTANCE MODEL TERHADAP MINAT PENGGUNAAN E-PAYMENT SEBAGAI ALAT PEMBAYARAN PADA DAPUR NUSANTARA. Jurnal Performa : Jurnal Manajemen dan Start-up Bisnis (2022)

International Proceeding

• Investor Trust in Robo-Advisors: The Impact of Perceived Risk, Control, and AI Predictive Capability. Proceedings of the International Symposium on Management (INSYMA) (2025)
• Mental Accounting and Financial Competence: The Key to Improving Startups' Financial Well-Being. International CEO (Communication, Economics, Organization) Social Sciences Congress - Abstract Book (2024)

Book

• Mental Accounting and Financial Competence: The Key to Improving Startups' Financial Well-Being (2024)
• Monograf Value Creation (2023)

Copyright

• MODEL PENGEMBANGAN KAWASAN WISATA TERPADU KENJERAN SURABAYA (UPAYA MEREVITALISASI KAWASAN WISATA TERPADU MELALUI PENDEKATAN BLUE OCEAN STRATEGY) (2018)

Formal Educations

Year	Level	School/Institution/University
2010 - 2014	S1	Universitas Brawijaya
2015 - 2016	S2	National Pingtung University Of Science And Techn