Articles
<![CDATA[EXPLORING THE MOTIVATION TOWARD AND PERCEIVED USEFULNESS OF A FINANCIAL EDUCATION: PROGRAM OFFERED TO LOW-INCOME WOMEN IN INDONESIA ]]>
<![CDATA[Hati, Sri Rahayu Hijrah]]>;
<![CDATA[Wibowo, Sigit Sulistyo]]>
<![CDATA[ ASEAN Journal of Community Engagement Vol. 1 No. 1 (2017) ]]>
Publisher : <![CDATA[UI Scholars Hub ]]>
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<![CDATA[A previous study demonstrated that low-incomewomen tend to have lower financial literacy. This low level of financialliteracy affects the manner in which they manage their daily finances, as wellas their ability to save for long-term needs. Currently, the statistics show that financialliteracy in Indonesia is relatively low. Tosupport Indonesian government in improving financial literacy, especially among the mostmarginalized group – women of low income – Universitas Indonesia launched acommunity engagement initiative conducted in the form of financial literacytraining targeted at low-income women working as streetsweepers around the university. This study investigates the motivation toward andperceived usefulness of the financial education program to improve the financial literacy of low-income women working as street sweepers aroundUniversitas Indonesia. A mixed research method is applied in the study. The data were collected from in-depthinterviews and a mini survey conducted to 23 low-income female street sweepers who joined the 10weeks financial education program. Both quantitative and qualitative data wereanalyzed to produce a comprehensive descriptionof the participants’ perceptions and attitudes toward the financial literacyprogram. The study demonstrates that the majority of low-income women have lowmotivation toward financial literacy education, and they also have a negative perceptionof the usefulness of such program. Thus, it is very important that alleducators and trainers examine the characteristics of the trainees and assessthe relevancy of the education program before they design certain communityengagement program.]]>
<![CDATA[The Segmentation Bases of the Islamic Banks in Indonesia: A Qualitative Analysis ]]>
<![CDATA[Gayatri, Gita]]>;
<![CDATA[Hati, Sri Rahayu Hijrah]]>;
<![CDATA[Setyowardhani, Hapsari]]>;
<![CDATA[Daryanti, Sri]]>;
<![CDATA[Indraswari, Kenny Devita]]>
<![CDATA[ EQUILIBRIUM Vol 9, No 1 (2021): EQUILIBRIUM ]]>
Publisher : <![CDATA[Prodi Ekonomi Syariah Pascasarjana IAIN Kudus ]]>
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DOI: 10.21043/equilibrium.v9i1.10461
<![CDATA[The market shares of several Muslim majority countries' Islamic banks have remained low (e.g., Malaysia, Turkey, and Indonesia) despite many Muslims. Targeted marketing can be an effective strategy to target potential customers, increase the market share, and ultimately Bank's revenue. This study firstly aims to explore potential segmentation bases for the customers of the Islamic Bank and the impact of segmentation analysis on the targeting and positioning of the Islamic Bank. This study applied an exploratory, qualitative research design. The data were collected via in-depth interviews with 30 Muslim participants using purposive sampling. The data were analyzed using inductive content analysis to find the emerged themes. The result shows that the psychographic segmentation would be more plausible to be used by the Islamic Bank than the demographic segmentation. Based on this finding, Islamic banks should consider using psychographic segmentation to target their markets.]]>
<![CDATA[Full-Fledged VS Islamic Bank Windows: Which One Do Muslim Consumers Know Better and Prefer More? ]]>
<![CDATA[Ratnasari, Nissa Ghulma]]>;
<![CDATA[Hati, Sri Rahayu Hijrah]]>;
<![CDATA[Chalid, Dony Abdul]]>
<![CDATA[ IQTISHADIA Vol 14, No 2 (2021): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v14i2.9967
<![CDATA[The study aims to compare the knowledge of and preference for the Islamic banking window and the full-fledged Islamic bank among Muslim customers. Data were collected from 1171 banking clients. Data were analyzed using descriptive analysis. The results show most Muslim customers do not know the difference between the full-fledged Islamic bank and the Islamic banking window. Yet, most Muslim customers favor the full-fledged Islamic bank to the Islamic windows since it is perceived to be more sharia compliant. Thus, the study theoretically contributes to Muslim banking behavior literature by providing empirical evidence on customer knowledge and preference in choosing an Islamic bank. Besides, the study provides knowledge to both the Islamic bank windows and full-fledged Islamic bank on the Muslim customers' understanding of both channels' availability.]]>
<![CDATA[Religiusitas dan Pengetahuan Terhadap Sikap dan Intensi Konsumen Muslim untuk Membeli Produk Kosmetik Halal ]]>
<![CDATA[Ajeng Larasati]]>;
<![CDATA[Sri Rahayu Hijrah Hati]]>;
<![CDATA[Anya Safira]]>
<![CDATA[ Esensi: Jurnal Bisnis dan Manajemen Vol 8, No 2 (2018) ]]>
Publisher : <![CDATA[Faculty of Economic and Business ]]>
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DOI: 10.15408/ess.v8i2.7459
<![CDATA[Religiousity and Knowledge to Attitude and Intention of Muslim Consumers to Buy Halal Cosmetics GoodsThis study discusses the influence of religiosity and knowledge on the attitude and intention of Muslim consumers to buy cosmetic products with halal positioning. The object of this research was a local cosmetic brand that uses halal positioning. Data was collected through a survey of 217 respondents with judgmental sampling technique. The respondents were Muslim women who have never made a purchase and use cosmetics that became the object of research. The results show that religiosity and knowledge have positive and significant effects on consumer attitude to buy a cosmetic product with halal positioning. However, the influence of religiosity on consumer attitudes is much greater than the influence of knowledge on consumer attitudes towards cosmetics with halal positioning. This study also shows that consumer attitudes have a significant positive effect on consumer intentions to buy cosmetics with halal positioningDOI: 10.15408/ess.v8i2.7459]]>
<![CDATA[Consumer’s Behavioral Intention toward “Green” Restaurant: Empirical Evidence from Indonesia
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<![CDATA[Athaya Tsamara Zahra]]>;
<![CDATA[Sri Rahayu Hijrah Hati]]>
<![CDATA[ Journal of Business and Behavioural Entrepreneurship Vol 4 No 2 (2020): Journal of Business and Behavioural Entrepreneurship ]]>
Publisher : <![CDATA[Fakultas Ekonomi, Universitas Negeri Jakarta ]]>
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DOI: 10.21009/JOBBE.004.2.01
<![CDATA[This study specifically discusses the relationships between consumers’ environmental concern, attitude, subjective norms, perceived behavioral control, and their behavioral intention toward “green” restaurant. Such a study is important because behavioral intentions towards “green” practice in the restaurant industry is still an under-explored topic in the literature, despite the “green” trend. This study adopted Theory of Planned Behavior as the theoretical framework with additional environmental concern construct as antecedent. The findings from this research illustrate that customer’s environmental concern has a positive influence with behavioral intention toward “green” restaurant especially indirectly through attitude and perceived behavioral control. This study recommends that this topic of research needs to be explored more to understand the “green” restaurant customers and to develop marketing strategies to promote “green” restaurant in Indonesia.]]>
<![CDATA[PENGARUH PERSEPSI MEREK JASA TERHADAP SERVICE QUALITY, VALUE DAN LOYALITAS PELANGGAN: STUDI INDUSTRI LOW COST AIRLINES INDONESIA ]]>
<![CDATA[Samuel Pandhega]]>;
<![CDATA[Sri Rahayu Hijrah Hati]]>;
<![CDATA[Savira Miranti]]>
<![CDATA[ MIX: JURNAL ILMIAH MANAJEMEN Vol 6, No 3 (2016): MIX: Jurnal Ilmiah Manajemen ]]>
Publisher : <![CDATA[Universitas Mercu Buana ]]>
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<![CDATA[Abstract. This paper investigate the effect of service brand on customer value andloyalty. Speciffically, the study examines the influence of brand image, companyimage, employee trust and company trust on service quality, customer value andloyalty. The data were collected from a total of 222 customers of 7 low cost airlines. AStructural Equation Modeling (SEM) is used to assess the relationships of the researchmodel. The result shows that it is brand image which has significant influence on bothservice quality and customer value while employee trust and cost has significantinfluences on customer value.]]>
<![CDATA[Antecedents of Behavioral Intentions on Online Travel Agent Company: Comparison between Generation X and Millennial ]]>
<![CDATA[Faisal Arsya Rakhmada]]>;
<![CDATA[Sri Rahayu Hijrah Hati]]>
<![CDATA[ IPTEK Journal of Proceedings Series No 5 (2019): The 1st International Conference on Business and Management of Technology (IConBMT) ]]>
Publisher : <![CDATA[Institut Teknologi Sepuluh Nopember ]]>
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DOI: 10.12962/j23546026.y2019i5.6290
<![CDATA[The number of internet users in Indonesia has grown at the unbelievable rate. There is no exception with the growth rate of the online travel agent users in Indonesia. When making online transaction, including via online travel agent, consumers are faced with uncertain situations. The uncertain situations could grow increasingly critical when consumers have to share sensitive personal information in the transaction process. In this context, the importance of building and maintaining trust becomes very important to online marketers as numerous studies have shown that the lack of trust is one of main reasons for consumers’ hesitancy to online shopping. The evidence has shown that trust could reduce the perceived risks and thereby determines success or failure of e-vendors. The research objective is to analyze the antecedents of behavioral intentions on online travel agent company. Also to see whether the trust formation between generation X and Millennial has difference. The research is based on online surveys conducted with convenience samples from two different generation. The results have shown a strong relationship between initial trust towards online travel agent and consumers’ behavioral intentions. The results suggest that there’s no difference between two generations on the formation trust and behavioral reactions. Both Gen X and Millennial seen the risks and trust of using online travel agent in the same way. Both generation willing to give personal information to online travel agent]]>
<![CDATA[Analysis of Omnichannel Consumer Behavior: Purchase Intention on Omni-channel Restaurants in Indonesia ]]>
<![CDATA[Muhammad Elbert Ongko]]>;
<![CDATA[Sri Rahayu Hijrah Hati]]>
<![CDATA[ Nusantara Science and Technology Proceedings 1st ICEMAC 2020: International Conference on Economics, Management, and Accounting ]]>
Publisher : <![CDATA[Future Science ]]>
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DOI: 10.11594/nstp.2021.1037
<![CDATA[The advancement of the internet and emerging technology has altered the world of industry through sectors. Additional networks also emerged, altering buying preferences and purchasing behaviour. The omnichannel approach is a modern innovative method of marketing strategy in which, with the use of advanced technologies across networks, it is possible to integrate various channels for shopping to provide customers with a specific and comprehensive shopping experience. There is a disconnect in customers' omnichannel attitudes and businesses' ability to execute an omnichannel approach. The aim of this paper is to define and understand the factors that affect omnichannel consumers' actions during the shopping phase, specifically their adoption and usage of technologies. An initial model was created to explain omnichannel consumer behavior using the variables used in UTAUT2 and other previous research on omnichannel consumer behavior. Structural Equation Modelling was used to test the model on a sample of 495 customers of omnichannel restaurants (SEM). The findings suggest that the following factors significantly affect purchasing intention in an omnichannel context: habit, encouraging circumstances, personal innovativeness, hedonic drive, success expectancy, and social influence.]]>
<![CDATA[The antecedents of Muslim customers' behavioral intention towards Islamic mobile payment ]]>
<![CDATA[Exval Mahendra Saputro]]>;
<![CDATA[Sri Rahayu Hijrah Hati]]>
<![CDATA[ Jurnal Ekonomi & Keuangan Islam Volume 7 No. 2, July 2021 ]]>
Publisher : <![CDATA[Faculty of Economics, Universitas Islam Indonesia ]]>
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DOI: 10.20885/jeki.vol7.iss2.art2
<![CDATA[Purpose – The aim of the study is to identify the antecedents of the Indonesian Muslim customers' intention to use Islamic mobile payments.Methodology – The data were collected from 437 respondents, i.e., 216 potential users and 221 actual users of Islamic mobile payments. The data were analyzed using a partial least squares structural equation model (PLS-SEM).Findings – The study shows that performance expectancy, perceived religiosity obligation, compatibility, and perceived trust had positive effects on the behavioral intention of Muslim customers. For multi-group analysis, perceived religiosity obligation and compatibility have a significant effect on actual and potential users. Perceived trust significantly influences actual users' behavioral intentions, whereas social influence only significantly affects potential users.Originality – The study was conducted on Islamic mobile payment using actual users and potential users as respondents. The study will contribute to the development of theories on the adoption of technology and Muslim consumers.]]>
<![CDATA[Understanding the drivers of advertising elements through different media and generations in building brand equity: a neuromarketing approach ]]>
<![CDATA[Ganto Novialdi]]>;
<![CDATA[Sri Rahayu Hijrah Hati]]>
<![CDATA[ Proceeding of the International Conference on Family Business and Entrepreneurship 2022: Proceeding of 6th International Conference on Family Business and Entrepreneurship ]]>
Publisher : <![CDATA[President University ]]>
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DOI: 10.33021/icfbe.v3i1.3759
<![CDATA[This study was designed to measure the visual attention of each generation towards the advertising elements with the Neuromarketing approach. By using the eye tracker device in a centralized location test (CLT), in this study, we compare advertising element stimulus along with three moderators: print, digital and social media to respondents from Generation X, Generation Y, and Generation Z. The research result indicate that Generation X is the most adaptive generation and emphasizes visual elements in viewing advertisements, regardless of the type of media. This can be seen from the high fixation duration in all media types. Generation Y did not significantly differ in the duration of fixation on the three media types but seemed to be more concerned with textual elements than other generations. Meanwhile, Generation Z does not prefer any media and advertising elements based on a temporary fixation duration when viewing advertisements.]]>
