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Full-Fledged VS Islamic Bank Windows: Which One Do Muslim Consumers Know Better and Prefer More? Ratnasari, Nissa Ghulma; Hati, Sri Rahayu Hijrah; Chalid, Dony Abdul
IQTISHADIA Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.9967

The study aims to compare the knowledge of and preference for the Islamic banking window and the full-fledged Islamic bank among Muslim customers. Data were collected from 1171 banking clients. Data were analyzed using descriptive analysis. The results show most Muslim customers do not know the difference between the full-fledged Islamic bank and the Islamic banking window. Yet, most Muslim customers favor the full-fledged Islamic bank to the Islamic windows since it is perceived to be more sharia compliant. Thus, the study theoretically contributes to Muslim banking behavior literature by providing empirical evidence on customer knowledge and preference in choosing an Islamic bank. Besides, the study provides knowledge to both the Islamic bank windows and full-fledged Islamic bank on the Muslim customers' understanding of both channels' availability.

Full-Fledged VS Islamic Bank Windows: Which One Do Muslim Consumers Know Better and Prefer More? Ratnasari, Nissa Ghulma; Hati, Sri Rahayu Hijrah; Chalid, Dony Abdul
IQTISHADIA Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.9967

The study aims to compare the knowledge of and preference for the Islamic banking window and the full-fledged Islamic bank among Muslim customers. Data were collected from 1171 banking clients. Data were analyzed using descriptive analysis. The results show most Muslim customers do not know the difference between the full-fledged Islamic bank and the Islamic banking window. Yet, most Muslim customers favor the full-fledged Islamic bank to the Islamic windows since it is perceived to be more sharia compliant. Thus, the study theoretically contributes to Muslim banking behavior literature by providing empirical evidence on customer knowledge and preference in choosing an Islamic bank. Besides, the study provides knowledge to both the Islamic bank windows and full-fledged Islamic bank on the Muslim customers' understanding of both channels' availability.

Customer Journey and Experience in Railways Public Transport: A Systematic Literature Review and Subsequent Research Agenda Ratnasari, Nissa Ghulma
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 6 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i1.6787

Customer journey has become an increasingly important concept for understanding complex customer behaviour and gaining insights into their experiences. While this term has been used in various disciplines since the 1990s and has evolved. This paper adopts a stream-based systematic review approach to identify the underlying themes of the customer journey presented in the business literature through 2024. Initial set of search keywords are “customer journey” or “consumer journey”. And then “railways” or “rails”, as additional search string. 82 relevant papers were taken from Scopus for analysis. Linking the user customer journey in public transportation is crucial today. This study aims are (1) mapping existing studies on customer journey analysis in the railway industry, including reference journal sources, study context, country of origin and year of publication of bibliographic journals (previous research), (2) compiling definition terminology regarding customer journey stated by previous researchers' thoughts, (3) identifying important variables that influence customer experience throughout their journey on the train, (4) mapping existing studies on customer journey analysis in the railway industry, based on the approaches that have been developed in, (5) classifying studies related to customer journey in railways, related to research methods that have been used in previous research, (6) provide topics and previous research results that can be used as a framework by researchers and practitioners as a reference in developing service improvement strategies in the railway industry (7) identify research gaps that can be the basis for further research related to customer journey analysis in this sector. For methodology, methodological diversity in research that includes exploration, description, experimentation, and causal analysis. The positivist paradigm dominates, but there is a balance with the interpretivist paradigm in more exploratory studies. The inductive approach is often used for exploratory studies, while deduction is more suitable for testing existing theories. So now, the relevance of the importance of the presence of public transportation is increasing day by day in the activities of modern society. The development of public transportation in developing countries is getting higher, in line with population growth through urbanization.

Fostering Entrepreneurship Among Millennials: A Systematic Literature Review Of Trends, Challenges, And Opportunities Ratnasari, Nissa Ghulma
Jurnal Impresi Indonesia Vol. 4 No. 7 (2025): Indonesian Impression Journal (JII)
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v4i7.6842

Entrepreneurship has become a major driver of economic growth and innovation in the modern era. The millennial generation, which is the largest group in the workforce today, has great potential to become successful entrepreneurs. However, they also face unique challenges in starting and growing businesses. This study aims to conduct a systematic review of the literature on trends, challenges, and opportunities in fostering entrepreneurship among millennials. By analyzing the results of previous research, this study seeks to provide a better understanding of how to facilitate and support millennial entrepreneurship, as well as identify areas of advanced research needed to improve the success of millennial entrepreneurs. The initial search keyword series is "entrepreneurship", "entrepreneurial". Then, "millennials", "generation", "youth", are also included as additional search strings. The main objective of this study is to identify and map existing research on millennial entrepreneurship, including the journal sources used. This research has six specific objectives, namely (1) to examine and compile the terminology of research objectives on millennial generation entrepreneurship based on the thoughts of previous researchers, (2) to explain the context of the research conducted by researchers on the topic of millennial generation entrepreneurship, (3) to identify important variables that are the subject of study in previous studies related to millennial entrepreneurship, (4) to classify existing research about entrepreneurship of the millennial generation based on the research methods used. (5) elaborating the discussion of research results and conclusions relevant to the topic of entrepreneurship of the millennial generation, (6) identifying the limitations and practical implications of previous research to answer trends, challenges, and opportunities to fill research gaps that in the future can be a reference for further research on entrepreneurship of the millennial generation. This study emphasizes that entrepreneurship among millennials is a complex and multi-dimensional phenomenon, which is strongly influenced by a combination of personal factors such as individual values, self-efficacy, and expectations, social factors such as cultural norms and social networks, and contextual factors such as the education ecosystem, digital technology, and public policy.

The influence of information quality in user-generated content (UGC) behavioral intention to revisit: The mediating role of destination image (a study on Lampung as a tourism object) Hadrian, Muhammad Cyril; Ratnasari, Nissa Ghulma
Interaction, Community Engagement, and Social Environment Vol. 3 No. 1: (July) 2025
Publisher : Institute for Advanced Science Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/icese.v3i1.2025.2041

Background: This study aims to investigate the mediating effect of perceived destination image on the relationship between information quality in user-generated content (UGC) and behavioral intention, with a focus on the intention to revisit Lampung as a tourist destination, while extending the Stimulus-Organism-Response (SOR) model by Mehrabian and Russel. Methods: Based on the tourism context in Lampung, a total of 283 valid responses from domestic tourists were collected and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the research hypotheses. Findings: The indirect path analysis results show that cognitive image significantly mediates the relationship between representational information quality and social information quality on behavioral intention to revisit, while affective image serves as a significant mediator in the relationship between representational information quality and contextual information quality on behavioral intention to revisit. Interestingly, this study also found that intrinsic information quality has a significant direct effect on behavioral intention to revisit. Conclusion: These findings contribute significantly to understanding how destination image influences tourists' perceptions of different types of information quality in shaping their intention to revisit, while also highlighting the complex interplay between humans and technology in the context of tourism. Novelty/Originality of this article: This study extends the Stimulus-Organism-Response (SOR) model by examining the mediating role of cognitive and affective destination images between different dimensions of UGC information quality and tourists’ behavioral intention to revisit.

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