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All Journal Owner : Riset dan Jurnal Akuntansi International Journal Of Science, Technology & Management (IJSTM) Insight Management Journal Jurnal Ekonomi Manajemen dan Sosial (JEMeS) Jurnal Manajemen Dan Akuntansi Medan Akuntansi: Jurnal Riset Ilmu Akuntansi Islamic Micro Finance Journal Journal of Business Improvement TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah Humanist Journal Ribhuna: Jurnal Keuangan dan Perbankan Syariah
Asas, Fitria
Institut Agama Islam Al-Fatimah Bojonegoro
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The username can contain only lower-case alphanumeric characters, underscores, and hyphens, and must begin and end with an alphanumeric character.: Analisis Manajemen Risiko Operasional pada Layanan Mobile Banking Bank Syariah Indonesia Pasca Gangguan Sistem Tahun 2024 Fitria Asas; Izzatul Ilmiyah; Monica Resavita
JEMeS - Jurnal Ekonomi Manajemen dan Sosial Vol. 9 No. 2 (2026): Jurnal Ekonomi Manajemen dan Sosial (JEMeS)
Publisher : Universitas Bojonegoro

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Abstract

Banking services have shifted toward mobile banking systems with the development of digital technology. While service digitization can improve accessibility, it also increases exposure to operational risks resulting from system failures, process errors, and cybersecurity attacks. This study employed a descriptive quantitative method with a sample of 100 BSI Mobile customers selected using a purposive sampling technique. Data analysis was conducted using descriptive statistics in the form of means, percentages, and frequency distributions. The results showed that the operational risk level was in the high category with an average score of 3.68. The risk identification indicator scored 3.82, risk assessment 3.75, risk mitigation 3.60, and risk monitoring 3.55. The results indicated that system disruptions resulted in transaction delays, decreased customer satisfaction, and potentially impacted the bank's reputation. Therefore, strengthening information technology infrastructure, increasing system capacity, and optimizing operational risk management on an ongoing basis is necessary.
Brand Image, Local Identity, and Customer Loyalty: Traditional MSME Marketing Strategy from an Islamic Marketing Perspective Ismawati Khasanah; Izzatul Ilmiyah; Fitria Asas
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 7 No 02 (2026): Tijarotana : Jurnal Ekonomi dan Bisnis Syariah
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

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Abstract

The increasingly competitive environment in the Micro, Small, and Medium Enterprises (MSME) sector requires business actors to build a strong brand image as a strategy for maintaining customer loyalty. This study aims to analyze the mechanism of customer loyalty formation through a brand image strategy based on local identity and Islamic marketing values in traditional MSMEs, taking the case of UD. Langgeng Makmur, a shrimp petis producer in Gumeng Village, Gresik, which has been operating for more than two decades. Using a qualitative case study approach, data were obtained through observation, in-depth interviews, and documentation involving the owner, employees, and customers. Analysis was conducted using the Miles, Huberman, and Saldana model. The findings reveal four mutually reinforcing pillars of brand image strategy: (1) consistent product quality tailored to customer segments; (2) packaging innovation with the "Udang Lombok" brand identity; (3) reinforcement of Gumeng Village's local identity as a shrimp petis production center; and (4) relational, responsive, and personalized service. These four pillars are carried out within the framework of Islamic marketing values: honesty (shiddiq), trustworthiness (amanah), information transparency, and halal assurance, which strengthen consumer trust and create sustainable loyalty. The theoretical contribution of this study lies in the elaboration of the integration between brand image strategy, local identity, and sharia principles as a customer loyalty model relevant to traditional MSMEs in Indonesia
Heuristik Dalam Aktivitas Akutansi Fitria Asas
Akuntansi Vol. 3 No. 1 (2024): Maret: Jurnal Riset Ilmu Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v3i1.1478

Abstract

The main aim of this study is to investigate the role of heuristic techniques and cognitive biases in investment decision making and suggest directions for further research. This research uses literature review techniques to understand heuristics and biases that are important in financial behavior and influence investment decisions. This article provides a conceptual overview of the impact of heuristic techniques and cognitive biases in investment decision making. The results of the conceptual analysis show that currently investors use heuristics to minimize losses and maximize profits, but this often leads to systematic decision making errors. This paper advises investors to prioritize financial literacy as a prerequisite for making capital market investment decisions and minimize over-reliance on heuristic techniques, which are often misleading. This research is the first to focus on the impact of cognitive heuristics and biases, informing investment decisions, and suggests directions for future research. This article provides a better understanding of the behavioral finance approach to investment decision making.
Co-Authors Afif Safrudin Faridatun Najiyah Guntur Saputra Ismawati Khasanah Izzatul Ilmiyah Izzatul Ilmiyah Laras Sukma Arum Melati Moch Sulchan Monica Resavita Muhyidin Muhyidin Munasirotul Mutmainnah Nanang Setiawan Rohmawati, Suniti Sulaiman, M. Sholehuddin Thorida Nur Asih Ulfatul Khasanah Ulfatul Khasanah