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All Journal Jurnal Manajemen Terapan dan Keuangan Journal of Economics, Business, & Accountancy Ventura Syntax Literate: Jurnal Ilmiah Indonesia Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ners Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) Jurnal Nuansa Akademik: Jurnal Pembangunan Masyarakat Jurnal Riset Ilmu Ekonomi Jurnal Riset Ilmu Ekonomi dan Bisnis Journal of Comprehensive Science Bandung Conference Series: Economics Studies International Journal of Science and Environment Journal of Islamic Economics Lariba Journal of Social Science and Business Studies Jurnal Manajemen Bisnis dan Kesehatan Journal of Marketing Management and Innovative Business Review Dinamika Ekonomi: Jurnal Kajian Ekonomi dan Pembangunan Maneggio
Ima Amaliah
Ekonomi Pembangunan Fakultas Ekonomi Bisnis Universitas Islam Bandung
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Tawhid-Based Philosophy of Management Science: Integrating Value Co-Creation and Digital Marketing Strategy in an Extended Technology Acceptance Model for Secondary Education Agung Wijoyo; Harits Nu'man; Tasya Aspiranti; Sri Suwarsi; Nunung Nurhayati; Ima Amaliah; Muhardi; Rini Lestari; Dede R Oktini
Jurnal Manajemen Bisnis dan Kesehatan Vol. 2 No. 3 (2026): Vol.2 No.3 2026 January-March
Publisher : Edu Berjaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70817/jmbk.v2i3.61

Abstract

Introduction: Urban secondary teachers in Muslim-majority contexts face 28% intention-behavior gaps in technology adoption despite digital infrastructure. Western models like TAM and VCC show limited efficacy where Islamic management philosophy remains underexplored. Methods: Qualitative conceptual study synthesizing tauhid-based grand theory, Value Co-Creation middle-range constructs, and Extended TAM applications through systematic literature review and thematic analysis of peer-reviewed publications (2020-2025). Results: Tauhid managerial integration dominates (68% literature), amanah-shura moderated VCC yields 35% higher Islamic compatibility, TAMISE achieves R²=0.67 actual use. DARTA framework (Dialogue, Access, Risk, Transparency, Amanah) bridges philosophical-empirical domains. Discussion/Conclusion: Tauhid-VCC-TAM continuum resolves epistemological fragmentation. Managerial implications advocate shura councils for platform co-design; policy recommends Islamic compatibility metrics in digital literacy programs. PLS-SEM validation needed across Muslim contexts.
A Systematic Literature Review of Chatbots and Anthropomorphism in Digital Marketing: Consumer Attribution, Trust, and Loyalty Outcomes Melvin Zakri; Nunung Nurhayati; Tasya Aspiranti; Ima Amaliah; Agung Wijoyo
International Journal of Science and Environment (IJSE) Vol. 6 No. 1 (2026): February 2026
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v6i1.313

Abstract

The rapid diffusion of AI-enabled conversational agents has transformed how firms design digital marketing interfaces and customer engagement strategies. Over the past five years, research has increasingly examined the role of anthropomorphism in shaping consumer responses to chatbots, particularly concerning attribution processes, trust formation, and loyalty-related behaviors. However, empirical findings remain inconsistent due to variation in theoretical foundations, operational definitions, and methodological approaches. This systematic literature review synthesizes peer-reviewed studies published between 2022 and 2025 across marketing, information systems, communication, psychology, and human–AI interaction. Following PRISMA 2020 guidelines, this study analyzed 118 eligible articles from Scopus, Web of Science, and ScienceDirect using a multi-stage screening protocol, thematic coding, and qualitative meta-synthesis. The review reveals three dominant theoretical clusters—computers-are-social-actors (CASA), social presence theory, and agency-attribution theory—each producing different predictions about how anthropomorphic cues influence trust and loyalty outcomes. The findings highlight that perceived agency and perceived humanness function as dual-route mechanisms in consumer evaluation, while trust operates as a central mediator linking chatbot design to behavioral intentions. Despite growing interest, several gaps remain, including limited longitudinal evidence, fragmented methodological designs, and weak integration of cross-cultural perspectives. This SLR proposes an integrative conceptual model and outlines future research directions for AI-based customer experience management.
Analisis Penerimaan Mobile Banking Bank Milik Negara dengan Pendekatan TAM Agnia Gusmalia; Ima Amaliah
Bandung Conference Series: Economics Studies 213 - 222
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v6i2.24299

Abstract

Abstract. The development of digital technology has encouraged state-owned banks to improve service quality through mobile banking. This study aims to describe the level of acceptance of mobile banking among the people of Bandung City using the Technology Acceptance Model (TAM) approach. The study employed a descriptive quantitative method with a sample of 100 respondents selected using a stratified random sampling technique. Data collection was conducted through a Likert-scale questionnaire. The variables studied included Perceived Ease of Use, Perceived Usefulness, Attitude Toward Using, Behavioral Intention to Use, and Actual System Use. The results showed that perceived ease of use, perceived usefulness, attitude toward use, intention to use, and actual use were in the high category. This indicates that state-owned banks' mobile banking has been well-received by the people of Bandung City because it offers ease, efficiency, and convenience in conducting banking transactions. Abstrak. Perkembangan teknologi digital mendorong bank milik negara untuk meningkatkan kualitas layanan melalui mobile banking. Penelitian ini bertujuan untuk mendeskripsikan tingkat penerimaan mobile banking pada masyarakat Kota Bandung menggunakan pendekatan Technology Acceptance Model (TAM). Penelitian menggunakan metode kuantitatif deskriptif dengan sampel sebanyak 100 responden yang dipilih menggunakan teknik stratified random sampling. Pengumpulan data dilakukan melalui penyebaran kuesioner dengan skala Likert. Variabel yang diteliti meliputi Perceived Ease of Use, Perceived Usefulness, Attitude Toward Using, Behavioral Intention to Use, dan Actual System Use. Hasil penelitian menunjukkan bahwa persepsi kemudahan penggunaan, persepsi kegunaan, sikap terhadap penggunaan, niat menggunakan, dan penggunaan aktual berada pada kategori tinggi. Hal ini menunjukkan bahwa mobile banking bank milik negara telah diterima dengan baik oleh masyarakat Kota Bandung karena mampu memberikan kemudahan, efisiensi, dan kenyamanan dalam melakukan transaksi perbankan.
Faktor Penentu Preferensi Masyarakat Kota Bandung terhadap Tabungan Haji BSI Ibnu Sahiba; Ima Amaliah
Bandung Conference Series: Economics Studies 259 - 268
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v6i2.24459

Abstract

Abstract. This study aims to analyze the factors determining the preferences of Bandung City residents regarding the Bank Syariah Indonesia (BSI) Hajj Savings product specifically cultural, social, personal, and psychological factors and to identify the most dominant factor based on demographic characteristics. A quantitative method with a descriptive approach was employed, surveying 100 Muslim respondents of productive age in Bandung City, selected via stratified random sampling across 30 districts. Data were collected using a four-point Likert scale questionnaire and analyzed through descriptive statistics and pivot tables categorized by demographics. Instrument testing confirmed the validity of all statement items (calculated r-values ​​of 0.552-0.811 exceeded the critical r-value of 0.196) and their reliability (Cronbach’s Alpha of 0.950). The results indicate that cultural, social, personal, and psychological factors all fall into the "high" category. Psychological factors emerged as the most dominant, with a score of 1,719 (mean 3.44), followed by cultural (1,708), personal (1,661), and social (1,648) factors. The dominance of psychological factors is driven by the motivation to perform the Hajj pilgrimage, trust in BSI as Indonesia's largest Sharia bank, and a positive attitude toward Sharia banking principles. The study recommends that BSI strengthen product education, enhance customer trust, and develop marketing strategies rooted in cultural values ​​and religious communities that align with the local population's characteristics. Abstrak. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang menentukan preferensi masyarakat Kota Bandung dalam memilih Tabungan Haji Bank Syariah Indonesia (BSI), meliputi faktor budaya, sosial, pribadi, dan psikologis, serta mengidentifikasi faktor yang paling dominan berdasarkan karakteristik demografis. Penelitian menggunakan metode kuantitatif dengan pendekatan deskriptif terhadap 100 responden masyarakat Muslim usia produktif di Kota Bandung yang dipilih menggunakan stratified random sampling pada 30 kecamatan. Data dikumpulkan melalui kuesioner dengan skala Likert empat poin dan dianalisis menggunakan statistik deskriptif serta tabel pivot berdasarkan karakteristik demografis. Hasil uji instrumen menunjukkan seluruh item pernyataan valid dengan nilai r hitung 0,552-0,811 lebih besar dari r tabel 0,196 serta reliabel dengan nilai Cronbach’s Alpha sebesar 0,950. Hasil penelitian menunjukkan bahwa faktor budaya, sosial, pribadi, dan psikologis seluruhnya berada pada kategori tinggi. Faktor psikologis menjadi faktor paling dominan dengan skor 1.719 (rata-rata 3,44), diikuti faktor budaya (1.708), pribadi (1.661), dan sosial (1.648). Dominasi faktor psikologis dipengaruhi oleh motivasi menunaikan ibadah haji, kepercayaan terhadap BSI sebagai bank syariah terbesar di Indonesia, serta sikap positif terhadap prinsip perbankan syariah. Penelitian ini merekomendasikan agar BSI memperkuat edukasi produk, meningkatkan kepercayaan nasabah, serta mengembangkan strategi pemasaran berbasis nilai budaya dan komunitas keagamaan sesuai karakteristik masyarakat.
Faktor-Faktor Yang Menentukan Minat Mahasiswa di Kota Bandung terhadap Penggunaan Kartu Tanda Mahasiswa Terintegrasi E-Money Alliya Az-Zahra Lukman; Ima Amaliah
Bandung Conference Series: Economics Studies 269 - 278
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v6i2.24464

Abstract

Abstract. The digitalization of the financial sector has driven a shift in transactions from cash toward electronic money (e-money) as a non-cash payment instrument, which has now begun to be applied to Student ID Cards (KTM) at a number of universities. This study aims to identify the factors that determine student interest in Bandung City toward the use of a KTM integrated with e-money, to determine the most dominant factor, and to examine the role of respondent characteristics. This study uses a quantitative descriptive method, with primary data collected through an online Likert-scale questionnaire distributed to 100 active students from 10 universities in Bandung City, determined using the Slovin formula with a purposive sampling technique. All 22 instrument items were declared valid, with a Cronbach's Alpha value > 0.70. The descriptive analysis results show that all research variables fall into the "Very Good" category, with perceived usefulness obtaining the highest score (361), followed by perceived ease of use (351.8) and trust (335.6), making perceived usefulness the most dominant factor. Interest in using the e-money-integrated KTM is also classified as high, with a score of 357. Based on respondent characteristics, response patterns vary by gender, age, duration of use, and frequency of use, although overall all groups show a positive tendency toward interest in the e-money-integrated KTM. Abstrak. Digitalisasi sektor keuangan mendorong pergeseran transaksi dari uang tunai menuju uang elektronik (e-money) sebagai instrumen pembayaran non-tunai, yang kini mulai diterapkan pula pada Kartu Tanda Mahasiswa (KTM) di sejumlah perguruan tinggi. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang menentukan minat mahasiswa di Kota Bandung terhadap penggunaan KTM terintegrasi e-money, mengetahui faktor yang paling dominan, serta menganalisis peran karakteristik responden. Penelitian menggunakan metode kuantitatif deskriptif, dengan data primer dikumpulkan melalui kuesioner daring berskala Likert kepada 100 mahasiswa aktif dari 10 perguruan tinggi di Kota Bandung, yang ditentukan menggunakan rumus Slovin dengan teknik purposive sampling. Seluruh 22 item instrumen dinyatakan valid, dengan cronbach alpha > 0,70. Hasil analisis deskriptif menunjukkan bahwa seluruh variabel penelitian berada pada kategori “Sangat Baik”, dengan persepsi manfaat memperoleh skor tertinggi (361), diikuti persepsi kemudahan (351,8) dan kepercayaan (335,6), sehingga persepsi manfaat merupakan faktor paling dominan. Minat menggunakan KTM e-money juga tergolong tinggi dengan skor 357. Berdasarkan karakteristik responden, pola penilaian bervariasi menurut jenis kelamin, usia, lama penggunaan, dan frekuensi penggunaan, namun secara umum seluruh kelompok menunjukkan kecenderungan minat yang positif terhadap KTM terintegrasi e-money.
Efisiensi Kinerja Pembiayaan dan Operasional Bank Pembiayaan Rakyat Syariah di Wilayah Bandung Raya: Pendekatan DEA Firdhan Muhammad Firdausy; Ima Amaliah
Bandung Conference Series: Economics Studies 311 - 318
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v6i2.24752

Abstract

Abstract. Islamic Rural Banks (BPRS) play a strategic role in supporting sharia financial inclusion, particularly for micro, small, and medium enterprises in the Greater Bandung area. Yet the sustainability and competitiveness of BPRS depend heavily on how efficiently they manage their resources. This study analyzes the technical efficiency of six BPRS in the Greater Bandung area during 2021–2025 using Data Envelopment Analysis (DEA) with an input orientation, a pooled cross-sectional approach, and both Constant returns to scale (CRS) and Variable Returns to Scale (VRS) assumptions, forming 30 Decision Making Units (DMU). The input variables used are Third-Party Funds (DPK) and Operational Cost, while the Output variables are Total Financing Disbursed and Operational Income. The results show that technical efficiency (CRS) varies considerably among the six BPRS. By the end of the observation period, BPRS Baiturridha Pusaka and BPRS Daarul Hayat had reached a perfect efficiency score of 1.000, while BPRS Amanah Rabbaniah, BPRS AlMasoem, BPRS Al Ihsan, and BPRS Harta Insan Karimah Parahyangan remained inefficient. Efficiency decomposition indicates that inefficiency sources are bank-specific, arising either from pure technical inefficiency or from suboptimal scale of operation. The main source of inefficiency is identified as Operational Cost growth outpacing Total Financing growth in several BPRS. This study recommends that inefficient BPRS prioritize operational cost control and more productive financing expansion in line with the improvement targets identified. Abstrak. Bank Pembiayaan Rakyat Syariah (BPRS) memiliki peran penting dalam mendukung inklusi keuangan syariah, khususnya bagi masyarakat dan pelaku usaha mikro, kecil, dan menengah di wilayah Bandung Raya. Keberlangsungan dan daya saing BPRS sangat bergantung pada tingkat efisiensi dalam mengelola sumber daya yang dimiliki. Penelitian ini bertujuan menganalisis tingkat efisiensi teknis enam BPRS di wilayah Bandung Raya selama periode 2021–2025 menggunakan metode Data Envelopment Analysis (DEA) dengan orientasi input, pendekatan pooled cross-sectional, dan asumsi Constant Return to Scale (CRS) serta Variable Return to Scale (VRS), sehingga membentuk 30 Decision Making Unit (DMU). Variabel input yang digunakan adalah Dana Pihak Ketiga dan Biaya Operasional, sedangkan variabel Output yang digunakan adalah Total Pembiayaan yang diberikan dan Pendapatan Operasional. Hasil penelitian menunjukkan bahwa tingkat efisiensi teknis (CRS) keenam BPRS bervariasi cukup signifikan. Pada akhir periode pengamatan, BPRS Baiturridha Pusaka dan BPRS Daarul Hayat telah mencapai efisiensi optimal dengan skor sempurna 1,000, sedangkan BPRS Amanah Rabbaniah, BPRS AlMasoem, BPRS Al Ihsan, dan BPRS Harta Insan Karimah Parahyangan masih berada dalam kondisi belum efisien. Dekomposisi efisiensi menunjukkan bahwa sumber inefisiensi bersifat spesifik pada masing-masing BPRS, baik akibat efisiensi teknis murni maupun akibat skala usaha yang belum optimal. Sumber inefisiensi utama teridentifikasi berasal dari laju pertumbuhan Biaya Operasional yang melampaui laju pertumbuhan Total Pembiayaan pada sejumlah BPRS. Penelitian ini merekomendasikan agar BPRS yang belum efisien memprioritaskan pengendalian biaya operasional dan optimalisasi penyaluran pembiayaan sesuai dengan target perbaikan yang telah diidentifikasi.
Faktor yang Menentukan Persepsi dan Preferensi Generasi Milenial terhadap Pembiayaan Griya SiMuda BSI di Kota Bandung Vira Nur Aulia; Ima Amaliah
Bandung Conference Series: Economics Studies 411 - 418
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v6i2.25496

Abstract

Abstract. Home ownership is an increasingly difficult primary need for the millennial generation to fulfill due to rising property prices and limited financial capacity. PT Bank Syariah Indonesia (BSI) introduced the Griya SiMuda financing program as a sharia-based housing solution for this segment. This study analyzes the factors that determine millennials’ perception and preference toward Griya SiMuda financing in Bandung City, the role of respondent characteristics in shaping them, and the most dominant factor. A descriptive quantitative method was used, with primary data collected from 100 millennial respondents in Bandung City who need housing financing, selected through purposive sampling. The variables measured were perceived benefit, perceived affordability, perceived value, internal preference, and external preference, using a four-point Likert scale. Data were analyzed descriptively (minimum, maximum, mean, standard deviation) and presented in frequency distributions, supported by validity and reliability tests. The results show that millennials’ perception and preference toward Griya SiMuda financing fall into the very good category. Perceived value is the dominant factor shaping perception, reflecting sharia compliance, financial security, BSI’s reputation, and transparency, while external preference—covering product characteristics, service quality, promotion, and economic conditions—is the dominant factor shaping preference. BSI is advised to strengthen sharia financial literacy, digital promotion, information delivery, and sharia compliance to maintain customer trust. Abstrak. Kepemilikan rumah merupakan kebutuhan primer yang semakin sulit dijangkau generasi milenial akibat kenaikan harga properti dan keterbatasan finansial. PT Bank Syariah Indonesia (BSI) menghadirkan Pembiayaan Griya SiMuda sebagai solusi perumahan berbasis syariah bagi segmen ini. Penelitian ini bertujuan menganalisis faktor-faktor yang menentukan persepsi dan preferensi generasi milenial terhadap Pembiayaan Griya SiMuda BSI di Kota Bandung, peran karakteristik responden, serta faktor yang paling dominan. Metode yang digunakan adalah deskriptif kuantitatif dengan data primer dari 100 responden generasi milenial di Kota Bandung yang membutuhkan pembiayaan perumahan, dipilih melalui teknik purposive sampling. Variabel penelitian meliputi persepsi manfaat, persepsi keterjangkauan, persepsi nilai, preferensi internal, dan preferensi eksternal, diukur dengan skala Likert 1-4. Data dianalisis secara deskriptif (nilai minimum, maksimum, mean, standar deviasi) serta disajikan dalam distribusi frekuensi, didukung uji validitas dan reliabilitas. Hasil penelitian menunjukkan persepsi dan preferensi generasi milenial terhadap Pembiayaan Griya SiMuda berada pada kategori sangat baik. Persepsi nilai menjadi faktor dominan yang mencerminkan kesesuaian prinsip syariah, rasa aman finansial, reputasi BSI, dan transparansi pembiayaan, sedangkan preferensi eksternal yang berkaitan dengan karakteristik produk, kualitas layanan, promosi, dan kondisi ekonomi menjadi faktor dominan preferensi. BSI disarankan memperkuat edukasi keuangan syariah, promosi digital, penyampaian informasi, dan syariah compliance guna menjaga kepercayaan nasabah.
Co-Authors A. Harits Nu'man Aan Julia Abi Abdillah Achref Boubekri Ade Yunita Mafruhat Adinda Sri Maryam Agnia Gusmalia Agung Wijoyo Agung Wijoyo Akhsan Mulki Abdillah Al Rifah, Cecep Fauzan Alliya Az-Zahra Lukman Amir Hamzah Anjani, Selsa Putri Asikin, Ridwan Ibnu Banavsa Puan Lira Budi Hartono Cynthia Imadiyar P Dede R Oktini Dewi Rahmi Dini, Maya Fadilah Ghani Azis Fatma Yulyana Fasa Nasution Fauziyah Firda Siva Kamila Firdhan Muhammad Firdausy Fitria Restiani Freska Fitriyana Gerry Cahya Mutaqin Gustini, Yasni Hafiz Naufal Hilmi Haikal Qolbi Al Qosam Handri Handri Hanii Ammariia Harits Nu'man Ibnu Sahiba Intan Purnamasari Irfan Ramadhan Ismaira Miftahus Sa’adah Izhar Rismawan Jamaludin . Kharisma Varrenzy Saidhyna Lasmi Aprilyani Sri Rejeki Liliani Sumarni Pratiwi Maharani, Haidilia Marselino Yuda Pratama Maura Shifa Salsa Nabilla Meidy Haviz Melvin Zakri Mira Permata Sari Moh. Safii Mohammad Faishal Ramadhani Iskandar Muhamad Reza Febrian Muhamad Taufiq Amarullah Muhammad Hasbi Ashidiqi Muhammad Naufal Muzhaffar Muhammad Rifqi Fawwaz Muhammad Rizqy Pratama Muhammad Wibi Afrizal Muhammad Yasa Wisesa Muhardi Muhardi Muhardi Munarsih, Munarsih Mutia Azzahra Nabila Savira nabilla nurdina nabilla Nazri Nasier Nenden Yushinta Puri Nofi Bestari Novi Ariani Nunung Nurhayati Nunung Nurhayati Nunung Nurhayati Nurfahmiyati Nurfitriani Nurfitriani Nurrunnajmi, Tirahaifa Nurul Jannah Nurul Komara Oryza Sativa Ramadhan R. Oktini, Dede Rahmad Abdul Gani Rai Arya Dwi Putra Rangga Apryansyah Rani Meida Ravi Anugrah Akbar Rega Saukani Rika Angraini Rini Lestari Rini Lestari Rodhiah Salman Arief Ibrahim Sayyid Mujaddid Fikri Sekar Nadia Lestari Shaffa Septiani Aisy Shella Mutia Putri Silvi Aprillia Devi Sri Suwarsi Sunarto Sunarto Sunarto Sunarto Syam, Fauziyah Syifa Putri Nur Azizah Tasya Aspiranti Tesya Aryo Tesya Nur Hayatri Teuku Muhammad Abidzar Saddam Tirahaifa Nurrunnajmi Tri oktavian nurrahman Tyas Ayuning Lestari Umi Kulsum Vira Nur Aulia Westi Riani Westi Riani Westi Riani Widjaya Handoyo Wijoyo, Agung Wisnu Dwi Andriyanto Woro Rona Farrasari Yasni Gustini Yolanda Dienul Fathia Yudha Dwi Nugraha Zakiyah Hayati