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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 Bandung Conference Series: Economics Studies International Journal of Science and Environment Journal of Islamic Economics Lariba Journal of Social Science and Business Studies 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 Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Physics Social Sciences Transportation Other

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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

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.
The Role of Corporate Governance in Moderating the Relationship Between Earnings Management and Financial Performance of Public Companies Nurfitriani Nurfitriani; Ima Amaliah; Nunung Nurhayati
Maneggio Vol. 2 No. 6 (2025): DECEMBER-MJ
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/8wjsvn20

Abstract

This study aims to investigate the role of corporate governance in moderating the relationship between earnings management and the financial performance of public companies. Employing a quantitative approach with a longitudinal panel data design, the research analyzed a sample of non-financial companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. Financial performance was measured by Return on Assets (ROA), earnings management was proxied by discretionary accruals calculated from the Modified Jones Model, and corporate governance was constructed as a composite index from board independence and audit committee characteristics. The data was analyzed using Moderated Regression Analysis (MRA) with panel data. The results indicate that earnings management has a direct negative effect on company performance. Furthermore, the study's core finding confirms that corporate governance significantly moderates this relationship. The positive and significant interaction term demonstrates that strong corporate governance mechanisms effectively weaken the negative impact of earnings management on financial performance. These findings underscore the critical importance of robust corporate governance as a monitoring tool. They provide empirical evidence that effective oversight can mitigate the adverse consequences of earnings management, thereby promoting more transparent financial reporting and contributing to sustainable corporate value.  
The Impact of FOMO (Fear of Missing Out) and Impulse Buying on Online Purchasing Decisions on TikTok E-Commerce Umi Kulsum; Ima Amaliah; Nunung Nurhayati
Maneggio Vol. 2 No. 6 (2025): DECEMBER-MJ
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/5my0ma20

Abstract

The Explosive Popularity of TikTok Shop as a Social Commerce Platform Has Created a Dynamic and Impulsive Shopping Ecosystem. Its unique characteristics, such as personalized recommendation algorithms, livestream commerce, and viral short-form video content, are strongly suspected to trigger the psychological phenomena of Fear of Missing Out (FOMO) and Impulse Buying, which ultimately influence online Purchasing Decisions. This study aims to analyze the influence of FOMO on Purchasing Decisions on TikTok Shop, with Impulse Buying as a mediating variable. This research uses an explanatory quantitative approach with a survey method. Data was collected through an online questionnaire distributed to 427 active TikTok Shop users in Indonesia who had made a purchase. The data were analyzed using variance-based Structural Equation Modeling (SEM) technique with the help of SmartPLS 4.0 software to test the direct and indirect relationships between variables. The results prove that all proposed hypotheses were accepted. FOMO was proven to have a positive and significant direct effect on Impulse Buying (β = 0.683) and on Purchasing Decisions (β = 0.294). Critically, Impulse Buying was also proven to mediate the effect of FOMO on Purchasing Decisions with a strong indirect effect (β = 0.370). This research model was able to explain 62.8% of the variance in Purchasing Decisions (R² = 0.628), indicating high predictive power. It is concluded that FOMO and Impulse Buying are dominant determining factors in Purchasing Decisions on TikTok Shop. These findings reveal the psychological mechanisms behind the platform's success, where FOMO acts as a powerful initial trigger to create impulsive shopping urges, which then becomes the primary mechanism driving the realization of a purchase decision. This research provides an important contribution to the understanding of consumer behavior in the era of algorithm-driven social commerce.
The Influence of Leadership Style on Generation Z's Work Motivation in the Workplace Sunarto Sunarto; Ima Amaliah; Nunung Nurhayati
Maneggio Vol. 2 No. 6 (2025): DECEMBER-MJ
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/4ra9t253

Abstract

The massive entry of Generation Z into the global workforce presents a significant challenge for contemporary leadership practices. This generation, characterized as digital natives who value purpose, collaboration, and continuous feedback, possesses distinct motivational drivers that may not align with traditional leadership models. This study aims to investigate the specific influence of leadership styles on the work motivation of Generation Z employees. Utilizing a quantitative approach with a correlational design, data was collected via an online questionnaire from 250 Gen Z professionals. Multiple regression analysis revealed that leadership style accounts for 49% of the variance in work motivation. Transformational and democratic leadership styles emerged as the strongest positive predictors, significantly enhancing motivation by fulfilling Gen Z's need for purpose, intellectual stimulation, and inclusive collaboration. Conversely, laissez-faire leadership demonstrated a significant negative impact, actively demotivating employees by creating an environment of ambiguity and neglect. The findings conclude that to effectively engage and retain Generation Z, organizations must deliberately cultivate leaders who are visionary, participative, and actively engaged as coaches and mentors, while decisively moving away from detached, hands-off leadership approaches.
Co-Authors A. Harits Nu'man Aan Julia Ade Yunita Mafruhat Adinda Sri Maryam Akhsan Mulki Abdillah Al Rifah, Cecep Fauzan Ammariia, Hanii Anjani, Selsa Putri Aspiranti , Tasya Banavsa Puan Lira Budi Hartono Cynthia Imadiyar P Dewi Rahmi Fadilah Ghani Azis Firda Siva Kamila Fitria Restiani Freska Fitriyana Gerry Cahya Mutaqin Gustini, Yasni Hafiz Naufal Hilmi Haikal Qolbi Al Qosam Handri, Handri 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 Munarsih, Munarsih Mutia Azzahra Nabila Savira nabilla nurdina nabilla Nenden Yushinta Puri Novi Ariani 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 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