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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
Universitas Islam Bandung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Physics Social Sciences Transportation Other

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Financial risk mitigation of collateral-free kredit usaha rakyat mikro at Bank Syariah Indonesia KCP Ujung Berung 1 Gustini, Yasni; Amaliah, Ima; Hartono, Budi
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art5

Abstract

IntroductionBank Syariah Indonesia participates in disbursing kredit usaha rakyat (KUR) mikro with a maximum financing ceiling of Rp 100 million without requiring collateral. This is worth further investigation, especially from the perspective of financing risk mitigation.ObjectivesThis research aims to identify risk mitigation strategies to reduce the impact on non-performing financings from kredit usaha rakyat mikro.MethodThe study is located at Bank Syariah Indonesia KCP Ujung Berung 1 in the city of Bandung, using a qualitative descriptive method. Research data is processed using interview and documentation techniques.ResultsField findings indicate dynamic disbursement of KUR from January to April, totaling Rp 3.69 million. In April 2023, delinquent credits decreased by 0.5% from 6.6% in March 2023 to 6.1%. This is evidenced by the risk mitigation strategy used to address delinquent credits, which involves identifying customers who meet established criteria and conducting necessary checks, such as BI checking/SLIK, trade checking, and market checking. Additionally, the bank requires customers to obtain life insurance before applying for financing.ImplicationsThe research motivates Islamic bank management to reduce financial risk in financing to micro, small, and medium enterprises by improving their financial risk mitigation.Originality/NoveltyThis study can serve as a reference for banks to reduce the risk of non-performing financing by implementing credit risk mitigation strategies.
Perspektif ECM Tentang Perangkap Pendapatan Menengah di Indonesia Tantangan dan Strategi Syam, Fauziyah; Amaliah, Ima
Jurnal Riset Ilmu Ekonomi Vol. 4 No. 3 (2024): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi Desember 2024
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrie.v4i3.214

Abstract

This research aims to identify and analyze the factors that cause Indonesia to fall into the middle-income trap category, as indicated by the manufacturing sector, education level and number of MSMEs. This research uses quantitative with error corection model methods. The data used is from 1997-2022. The data used consists of manufacturing value added, school enrollment rates, number of MSMEs and per capita income used as a middle-income trap proxy sourced from the World Bank, BPS and ukmindonesia.id. The results of data processing show that the manufacturing industry has a negative effect on the middle-income trap in both the long and short term. The direction of the variable relationship is in accordance with theory. An increase in manufacturing industry will reduce MIT. However, the level of education and the number of MSMEs have a positive influence on MIT because most of Indonesia's APS is dominated by a reasonable salary of 9-12 years and MSMEs are only able to absorb small-scale workers. Indonesia is expected to be expelled from MIT within 6 years or 2030.
A Systematic Literature Review on Value Co-Creation and the Technology Acceptance Model (TAM) for E-Book Adoption in Educational Settings Wijoyo, Agung; Aspiranti, Tasya; Nurhayati, Nunung; Amaliah, Ima; Lestari, Rini
Journal of Social Science and Business Studies Vol. 3 No. 4 (2025): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v3i4.191

Abstract

The advancement of digital technologies has significantly reshaped educational practices, positioning e-books as essential tools in contemporary learning environments. Despite their potential, the actual adoption of e-books by educators remains uneven, particularly in secondary education. This study presents a systematic literature review that integrates the Technology Acceptance Model (TAM) with Value Co-Creation (VCC) to explain the dynamics of e-book adoption among teachers. By synthesizing recent scholarly contributions, the review identifies VCC as a strategic antecedent that enhances TAM constructs Perceived Usefulness (PU) and Perceived Ease of Use (PEOU) through participatory design, collaborative implementation, and feedback-driven development. The findings reveal that co-creation fosters psychological ownership, reduces technology anxiety, and strengthens behavioral intention and actual use of e-books. Furthermore, collaborative strategies improve the pedagogical relevance and usability of digital platforms, making them more aligned with instructional needs. This paper proposes an integrated conceptual framework that positions VCC as a catalyst for technology acceptance, offering practical insights for educational leaders, policymakers, and developers seeking to accelerate digital transformation in schools. The study contributes to the literature by bridging managerial and psychological perspectives, emphasizing the importance of inclusive, value-driven innovation in education.  
Artificial Intelligence Adoption and Business Performance: The Mediating Role of Sustainable Competitive Advantage in the Food and Beverage Industry Rodhiah; Aspiranti , Tasya; Amaliah, Ima; Nurhayati, Nunung
Journal of Social Science and Business Studies Vol. 3 No. 4 (2025): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v3i4.254

Abstract

This research aims to analyze the impact of adapting Artificial Intelligence (AI) on business performance with mediating sustainable competitive advantage (SCA)in the Food and Beverage (F&B) industry located in West Jakarta. The population was all F&B companies in West Jakarta. The sample includes 120 respondents selected with purposive sampling, with criteria including respondents who understand and have adopted AI in their business operations for a minimum of three years. The data used Likert-scale questionnaires adapted from previously validated and reliable instruments. Data analysis using SEM by SmartPLS software. The results indicate that adapting AI has a positive but insignificant effect on the business performance of F&B companies in West Jakarta. Additionally, the study found that adapting AI has a positive and significant impact on sustainable competitive advantage, which in turn has a positive and significant effect on business performance. Mediation analysis revealed that sustainable competitive advantage mediates the relationship between adapting AI and business performance. This suggests that adapting AI does not directly affect business performance but rather indirectly through sustainable competitive advantage. Sustainable competitive advantage directly influences business performance. The conclusion of this research is that adapting AI is a crucial strategy for improving business performance through sustainable competitive advantage in the F&B industry in West Jakarta. Companies that invest in AI technology and integrate it into their business strategies have the potential to achieve superior performance by maintaining their sustainable competitive advantage in the long term.  
Globalisasi Dalam Paradigma Structure-Conduct-Performance : Studi Kasus Industri Fast-Moving Consumer Goods di Indonesia Putri, Shella Mutia; Amaliah, Ima
Jurnal Riset Ilmu Ekonomi Vol. 5 No. 2 (2025): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi Agustus 2025
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrie.v5i2.272

Abstract

This study examines the structure–conduct–performance (SCP) framework and firm strategy in sustaining market dominance in the fast-moving consumer goods (FMCG) industry. A quantitative descriptive approach was employed using secondary data from 78 FMCG companies listed on the Indonesia Stock Exchange (IDX). The data were analyzed using SmartPLS with the CB-SEM method. The results indicate a statistically significant bidirectional causal relationship between market structure, firm behaviour, and firm performance, supporting the dynamic nature of the SCP framework. The Indonesian FMCG industry is characterized by a highly concentrated market structure, where dominant firms implement diversification and differentiation strategies to strengthen competitive advantage and reinforce market power, potentially leading to monopolistic tendencies within specific product segments. The discussion highlights that geographical diversification and domestic market expansion are effective strategic responses to global integration pressures, enabling firms to sustain performance while managing competitive intensity and regulatory risks. Keywords: Market Structure, Corporate Strategy, Economic Globalization
The Effect of Company Behavior on Financial Success in Manufacturing in Banten Province Safii, Mohamad; Aspiranti, Tasya; Nurhayati, Nunung; Amaliah, Ima
International Journal of Science, Technology & Management Vol. 7 No. 1 (2026): January 2026
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v7i1.1396

Abstract

This study explores the influence of firm behavior regarding financial performance in manufacturing companies located in Banten Province during the period 2021–2024. Employing a numerical approach and Structural Equation Modeling (SEM) with a covariance-based method, the research examines the influence of three behavioral dimensions—transformational leadership, organizational culture, and managerial strategy—regarding essential financial metrics such as ROA, ROE, and NPM. The findings reveal that overall firm behavior exerts a substantial beneficial impact on financial performance, confirmed by strong goodness-of-fit indicators. Further analysis indicates that transformational leadership, organizational culture, and managerial strategy each contribute meaningfully to financial outcomes. These findings highlight the critical role of behavioral factors in enhancing profitability and competitiveness. The study offers theoretical contributions to behavioral governance literature and practical implications for leadership development, cultural alignment, and adaptive strategic management in dynamic market environments. Limitations include regional scope and reliance on secondary data future research should employ longitudinal and cross-industry designs for broader generalizability.
The Key Role of Menu Innovation: Optimizing Digital Marketing Performance in the Culinary Industry of South Tangerang, Banten Province Munarsih, Munarsih; Aspiranti, Tasya; Amaliah, Ima; Nurhayati, Nunung; R. Oktini, Dede
International Journal of Science, Technology & Management Vol. 7 No. 1 (2026): January 2026
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v7i1.1399

Abstract

Research Purpose this study seeks to thoroughly examine the implementation strategies behind Menu Innovation, outline approaches for Enhancing Digital Marketing Performance, and identify the essential role Menu Innovation plays in supporting such optimization within the culinary sector of South Tangerang (Tangsel), Banten Province. A Descriptive Qualitative method was applied, focusing on culinary SMEs operating in Tangsel. Data were gathered through in-depth interviews with business owners and marketing personnel, complemented by non-participant observation of digital content. Research Findings the qualitative results indicate that Menu Innovation is a central driver in improving digital performance. Its influence emerges through two primary mechanisms:(1) Menu Innovation is intentionally crafted as a visual asset that encourages the creation of User-Generated Content (UGC). Such content effectively boosts social-media engagement rates and organic visibility.(2) Menu Innovation offers an authentic storyline that strengthens digital storytelling efforts, enabling narrative transportation, which in turn has been shown to increase digital conversion rates (from viewers to online orders).
A Comparative Analysis of Financial Performance and Stability Between Indonesian Sharia Bank (BSI) and Bank Mandiri From 2020 to 2024 Jamaludin, Jamaludin; Aspiranti , Tasya; Amaliah, Ima; Nurhayati, Nunung; Lestari, Rini
International Journal of Science, Technology & Management Vol. 7 No. 1 (2026): January 2026
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v7i1.1401

Abstract

This study aims to assess and describe the financial performance of Bank Mandiri and Indonesian Sharia Bank (BSI) based on the RGEC analysis results during the period 2020–2024. The research method used is quantitative with a descriptive quantitative approach. The population of the study includes all banks registered and operating in Indonesia during the 2020–2024 period, or more specifically certain banks such as conventional banks and sharia banks. The samples selected are Bank Mandiri as the representative of conventional banks and Indonesian Sharia Bank (BSI) as the representative of sharia banks for the 2020–2024 period. The sample selection is based on relevance, availability of data, and representation of each bank type. The results show that Bank Mandiri demonstrates superior performance compared to Indonesian Sharia Bank (BSI) on most key RGEC indicators. Bank Mandiri maintains asset quality with significantly lower NPF, as well as records better efficiency in asset and capital utilization through higher ROA and ROE. Additionally, Mandiri’s operating margin (NOM) is much stronger and more stable. Although both banks have very strong capital adequacy (CAR) and good governance (GCG), operational efficiency (BOPO) remains a challenge for both, even though BSI shows slightly better BOPO figures. Overall, Mandiri is more aggressive in financing distribution and efficient in generating profit, while BSI is still in the process of post-merger stabilization with reasonably healthy performance but with room for improvement in operating margin and efficiency.
Resilience of Alpha Generation: Digital Resiliency, Organizational Culture, and Talent Management Maharani, Haidilia; Amaliah, Ima; Nurhayati, Nunung
International Journal of Science, Technology & Management Vol. 7 No. 1 (2026): January 2026
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v7i1.1403

Abstract

Digital transformation and changes in global work dynamics are driving the emergence of Generation Alpha as a future workforce group with digital-native characteristics, visual orientation, and high expectations for flexibility and value alignment. These conditions demand a new understanding of work resilience that relies on structural stability and sustainable adaptability. This study aims to examine the influence of digital readiness, organizational culture, and talent management strategies on the resilience of Generation Alpha in the workplace. The method used is a qualitative literature study by analyzing reputable scientific articles that discuss work resilience, digital transformation, organizational culture, and talent management across organizational contexts. The results of the synthesis show that digital readiness plays a role as a foundation for resilience through strengthening self-efficacy, adaptive learning, and psychological resilience, although it has the potential to pose a risk of self-regulation if not balanced by organizational support. An adaptive, ethical, and learning-oriented organizational culture has been proven to strengthen the psychological safety and work attachment of Generation Alpha. Flexible and nonlinear talent management strategies become an institutional instrument to convert adaptive potential into long-term resilience. This study contributes to the development of the Alpha Generation resilience conceptual framework and provides practical implications for organizations in designing sustainable human resource strategies in the digital age of work.
A Systematic Literature Review of Chatbots and Anthropomorphism in Digital Marketing: Consumer Attribution, Trust, and Loyalty Outcomes Zakri, Melvin; Nurhayati, Nunung; Aspiranti, Tasya; Amaliah, Ima; Wijoyo, Agung
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.
Co-Authors A. Harits Nu'man Aan Julia Achref Boubekri Ade Yunita Mafruhat Adinda Sri Maryam Akhsan Mulki Abdillah Al Rifah, Cecep Fauzan Amir Hamzah Anjani, Selsa Putri Asikin, Ridwan Ibnu Aspiranti , Tasya Banavsa Puan Lira Budi Hartono Cynthia Imadiyar P Dede R Oktini Dewi Rahmi Dini, Maya Fadilah Ghani Azis Firda Siva Kamila Fitria Restiani Freska Fitriyana Gerry Cahya Mutaqin Gustini, Yasni Hafiz Naufal Hilmi Haikal Qolbi Al Qosam Handri Handri Hanii Ammariia Intan Purnamasari Ismaira Miftahus Sa’adah Izhar Rismawan Jamaludin . Kharisma Varrenzy Saidhyna Liliani Sumarni Pratiwi Maharani, Haidilia Marselino Yuda Pratama Meidy Haviz Mira Permata Sari Moh. Safii Muhamad Taufiq Amarullah Muhammad Hasbi Ashidiqi Muhammad Yasa Wisesa Muhardi Muhardi Muhardi Munarsih, Munarsih Mutia Azzahra Nabila Savira nabilla nurdina nabilla Nenden Yushinta Puri Novi Ariani Nu'man, Harits Nunung Nurhayati Nunung Nurhayati Nurfahmiyati Nurfitriani Nurfitriani Nurrunnajmi, Tirahaifa Nurul Komara Oryza Sativa Ramadhan Putri, Shella Mutia R. Oktini, Dede Rahmad Abdul Gani Rangga Apryansyah Rani Meida Ravi Anugrah Akbar Rega Saukani Rika Angraini Rini Lestari Rodhiah Sayyid Mujaddid Fikri Sekar Nadia Lestari Shaffa Septiani Aisy 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 Tyas Ayuning Lestari Umi Kulsum Westi Riani Westi Riani Westi Riani Wijoyo, Agung Woro Rona Farrasari Yolanda Dienul Fathia Yudha Dwi Nugraha Zakiyah Hayati Zakri, Melvin