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Developing a Sharia Mobile Banking Strategy to Enhance Financial Literacy and Digital Inclusion for Underbanked Financing Customers Marselina, Sanny; Siallagan, Manahan Parlindungan Saragih
SEIKO : Journal of Management & Business Vol 9, No 1
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v9i1.10592

Abstract

This paper develops a pragmatic strategy for launching a Sharia-compliant mobile banking application at Bank Tepat Syariah to enhance financial literacy and improve access to finance for underbanked financing customers. Although smartphone penetration in Indonesia is high, adoption of mobile banking among financing customers remains low. Based on twenty-four semi-structured interviews with internal stakeholders, field officers, and current and potential customers, complemented by secondary data and regulatory documents (POJK 13/2021; POJK 21/2023), the study identifies three interlinked barriers: (1) Financial Literacy & Digital Confidence Gaps, (2) Behavioral Resistance & Social Influence, and (3) Perceived App Complexity & Usability Barriers. These findings inform an Integrated Adoption Strategy Framework consisting of three pillars—Embedded Financial Literacy, Behavioural Reinforcement, and Simplicity-by-Design—implemented through a phased pilot–scale–launch roadmap aligned with Sharia governance and the three-lines-of-defense risk framework. The paper offers a human-centred, Sharia-compliant blueprint for digital transformation in an underbanked context, positioning mobile banking not only as a transaction channel but also as a vehicle for financial capability and inclusion.
The Influence of Service Quality Dimensions on Customer Satisfaction Index (CSI) in CFM56 Engine Shop Visits: Case Study at PT. Burung Maintenance Facility Prayudha, Muhammad Andrian; Siallagan, Manahan Parlindungan Saragih
SEIKO : Journal of Management & Business Vol 9, No 1
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v9i1.10512

Abstract

This study analyzes the influence of service quality dimensions on the Customer Satisfaction Index (CSI) for CFM56 Engine Shop Visits at PT. Burung Maintenance Facility (BMF). In the competitive aviation MRO industry, maintaining high service quality is crucial for customer retention. This research aimed to identify which service areas most significantly impact CSI and to formulate targeted improvement strategies. Using a qualitative descriptive methodology, data was collected through in-depth interviews with five key customers and triangulated with historical CSI data from 2020-2025. The findings reveal that Turnaround Time (TAT) and Pricing are the most critical drivers of customer dissatisfaction, with the lowest CSI scores. While Service Quality and Alignment were perceived positively, Communication and Documentation required refinement. The study concludes that customer loyalty is strongly tied to improvements in TAT reliability and pricing transparency. It is recommended that BMF’s management prioritizes a corporate-wide TAT improvement initiative, invests in expanding in-house repair capabilities to control costs and delays, and implements a structured communication protocol with tiered SLAs and regular customer reporting to enhance service delivery and secure long-term competitiveness.
Prioritizing the product development roadmap of Zains SAAS using Analytical Hierarchy Process (AHP) Effendi, Yandri Marliansyah; Siallagan, Manahan Parlindungan Saragih
International Journal of Accounting and Management Information Systems Vol. 1 No. 2 (2023): August
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijamis.v1i2.3042

Abstract

Purpose: This study aims to prioritize the development of Zains using the Analytical Hierarchy Process (AHP). Research Methodology: This study combines FGD and survey data to prioritize Zains’ development using AHP. Key criteria include market demand, financial impact, technology, efficiency, compliance, and security. AI-powered financial insights are identified as the top development priority. Results: These findings provide insights for CNT to optimize the development of Zains and to maintain their relevance and competitiveness in the SaaS market. These recommendations are beneficial for other SaaS providers facing similar challenges. Conclusion: The study concludes that AI-powered financial insights represent the most strategically valuable development path for Zains, aligning with both market needs and internal strategic goals. Prioritizing this alternative will strengthen Zains’ position in the competitive SaaS industry and enhance its value proposition to users. Limitation: This study is limited to the perspectives of internal stakeholders within CNT and may not fully capture customer preferences or external market dynamics. Future research should incorporate customer-based evaluation and long-term performance metrics. Contribution: This research contributes to strategic decision-making in product development by integrating AHP with qualitative insights, offering a replicable framework for prioritization in the SaaS sector. It also provides a practical roadmap for Zains and similar platforms aiming to align development initiatives with organizational goals and market trends.
SERVICE WORKSHOP LOCATION SELECTION USING NETWORK-BASED MCLP AND MULTI-CRITERIA DECISION ANALYSIS: INTEGRATING ACCESSIBILITY, INDUSTRIAL SUITABILITY, AND FLOOD RISK ASSESSMENT IN EAST JAVA Maulana, Anargya Raakan; Siallagan, Manahan Parlindungan Saragih
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/tq4q5p52

Abstract

This study addresses the strategic problem of service facility location for small and medium enterprises (SMEs) operating in geographically diverse and risk-prone regions, using a spatial decision-support framework. The research focuses on PT Cahaya Amanah Nusantara (PT CAN), an Indonesian SME providing refrigeration repair and maintenance services, and applies a quantitative geospatial analysis design. Data were derived from OpenStreetMap road networks, historical service request records, administrative spatial data, and managerial assessments. The analysis was conducted in three stages. First, service coverage was evaluated through travel-time-based accessibility analysis under Service-Level Agreement (SLA) constraints, and optimal candidate locations were identified using the Maximal Covering Location Problem (MCLP) with a single-facility objective. Second, the selected locations were assessed based on strategic geographic and environmental factors, including industrial activity density and flood risk exposure. Third, a Multi-Criteria Decision Analysis (MCDA) using the Weighted Linear Combination (WLC) method integrated accessibility performance, environmental risk, and strategic suitability based on managerial weighting preferences. The results indicate that Kabupaten Gresik achieved the highest composite score of 0.937016, reflecting strong SLA performance and high strategic attractiveness, despite a relatively low environmental contribution. The findings demonstrate that the proposed framework provides a transparent, logic-based, and easily interpretable decision-making tool for ranking service facility locations and evaluating trade-offs between efficiency, alignment, and robustness. This study contributes an open-source, SME-oriented geospatial decision-support approach for facility location planning in heterogeneous and risk-sensitive environments.