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UNDERSTANDING FEMALE SEGMENTS BASED ON BENEFIT OF LOYALTY PROGRAM Sutarso, Yudi; Sekarsari, Larasati Ayu; Ilfitiah, Aniek Maschudah; Martha, Laila Saleh
Jurnal Aplikasi Manajemen Vol. 21 No. 2 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.02.19

Abstract

loyalty programs in banking need to look at the dynamics of female consumers, especially when digital businesses dominate marketing transactions. In the literature, segmentation studies are mostly carried out on retail services, airlines, and hotels, which are rare in banking, especially related to loyalty program services. Therefore, this study is expected to close the gap without a segmentation study in a banking context. This study aims to identify the female customer segment by assessing the bank's loyalty program and relating it to its perceived convenience, security, and reliability. The study employed the two most prominent banks in Indonesia, with 208 female customers as respondents. The purposive sampling method was used as a method of selecting samples. Data were reduced using factor analysis and categorized using cluster analysis. The main result identifies four factors underlying the benefits of loyalty programs: quality of communication, policy, rewards, and website quality. Three segments of loyalty program female consumers were identified: apathetic (25%), active (31%), and passive segments (44%). In further analysis, three segments of females were analyzed regarding the bank saving account's convenience, reliability, and security. Results confirm that all three segments were unique and distinguished one from another. This study's implication guides managing the types of female customers at the bank, especially loyalty programs.
FEMALE CUSTOMERS FOMO:THE ROLE OF THREATS AND CAPABILITIES TOWARDS CO-CREATION OF PROTECTION IN ONLINE BANKING SERVICES Kusuma Ningtyas, Adisty; Sutarso, Yudi
JURNAL EKBIS Vol 26 No 1 (2025): Jurnal Ekbis : Jurnal Analisis,Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the effect of threat assessment and coping ability on the co-creation behavior of female customers in using digital banking services, with FOMO as a moderating variable. This study uses a survey research design, where data is collected through questionnaires distributed to female customers who use online banking from big cities in Indonesia. They are at least 17 years old, have used digital banking services for more than a year, and make transactions regularly. The results of the study indicate that threat assessment and coping ability have a positive effect on co-creation behavior. The ability to cope with risks also strengthens the involvement of female customers in joint protection. Meanwhile, FOMO is confirmed to moderate the relationship between threat assessment and co-creation behavior, but does not moderate the relationship between coping ability and the behavior. These findings emphasize the importance of the role of threat perception, digital literacy, and banking technology innovation in creating a safer and more trusted digital banking ecosystem
Analisis Pengaruh Motivasi dan Budaya Organisasi terhadap Kinerja Karyawan: Evaluasi Peran Kepuasan Kerja sebagai Variabel Intervening Susanto, Edi; Sutarso, Yudi; Sari, Linda Purnama
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.221

Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh motivasi kerja dan budaya organisasi terhadap kinerja karyawan dengan kepuasan kerja sebagai variabel intervening pada karyawan di PT Bank Pembangunan Daerah Jawa Timur Tbk Cabang Kediri. Penelitian ini menggunakan pendekatan kuantitatif. Adapun metode pengambilan sampel pada penelitian ini menggunakan jenis non-probability sampling dengan teknik purposive sampling. Populasi di dalam penelitian ini adalah karyawan PT. Bank Pembangunan Daerah Jawa Timur Tbk Cabang Kediri dengan level supervisor/penyelia ke bawah dengan jumlah 236 orang. Adapun jumlah sampel yang digunakan pada penelitian ini berdasarkan perhitungan rumus Slovin tingkat signifikansi 0,05 sebesar 148 responden yang merupakan karyawan PT. Bank Pembangunan Daerah Jawa Timur Tbk Cabang Kediri dengan level supervisor/penyelia hingga level staff. Adapun hasil penelitian menunjukkan bahwa motivasi kerja memiliki pengaruh positif dan signifikan terhadap kepuasan kerja, Budaya organisasi memiliki pengaruh positif dan signifikan terhadap kepuasan kerja. Motivasi kerja memiliki pengaruh positif dan signifikan terhadap kinerja karyawan, budaya organisasi memiliki pengaruh positif dan signifikan terhadap kinerja karyawan, kepuasan kerja memiliki pengaruh positif dan signifikan terhadap kinerja karyawan, dan kepuasan kerja tidak mampu berperan sebagai mediator antara motivasi kerja terhadap kinerja karyawan maupun antara budaya organisasi terhadap kinerja karyawan.
Marketing Treatment in Madura Culture-Based Used Metal Business Based on Umer Chapra Perspective Fuad, Maf Tuhul; Sutarso, Yudi
Jurnal Dakwah dan Komunikasi Vol. 10 No. 2 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jdk.v10i2.12719

Abstract

Umer Chapra's thinking, as an Islamic economic scholar, adds an ethical and justice dimension to the study of UD. Sumber Logam in the context of Madurese culture. Chapra emphasizes the importance of Islamic economic principles that include distributive justice, social responsibility, and sustainability. The integration of Chapra's thoughts with UD's marketing strategy. Sumber Logam can create a holistic and sustainable approach so as to expand market share and strengthen relations or good relations between consumers and UD. Sumber Logam. The method used in this research is qualitative method. Data collection techniques in this study used observation, interviews and documentation. The results of this study indicate that UD Sumber Logam in the scrap metal business seeks to apply the principles of Islamic economics according to Umer Chapra, namely justice, transparency, and benefits for society, especially in the marketing aspect. Currently, businesses still rely on conventional methods, but are starting to switch to digital marketing through social media and modern advertisements that are honest and educative. The use of technology is also applied to improve efficiency and expand market reach, such as online catalogs and digital ordering services. Transparency is maintained with regular weighing controls and regular price updates for customers' trust and convenience.