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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Salam (Islamic Economics Journal) Journal Research of Social Science, Economics, and Management
Nurul Afifah Usman
Universitas Andalas
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology Social Sciences Other

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 1 
Model E-Satisfaction Pengguna Layanan Mobile Banking selama Pandemi Covid-19 (Survey pada Nasabah Bank Nagari) Nurul Afifah Usman; Eri Besra; Syafrizal Syafrizal
JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Vol 8, No 2 (2022): JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) MEI
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jkbm.v8i2.6912

Abstract

Mobile banking had a significant increase during the Covid-19, therefore Bank Nagari had to improve its performance by maintaining e-satisfaction This study tests the e-satisfaction model for mobile banking Bank Nagari services users during Covid-19, which is influenced by mobile banking service quality and online relationship quality. Data were analyzed using AMOS's 26 version structural equation model (SEM) as the software used and the type of this study is quantitative explanatory. The sampling technique uses quota sampling with a sample number of 120 respondents who used mobile banking during the Covid-19. The results showed that mobile banking service quality and online relationship quality positively and significantly affected e-satisfaction. This model can be used for Bank Nagari as strategic management to improve customer satisfaction in mobile banking by improving mobile banking service quality and online relationship quality.  This study extends the literature related to the e-satisfaction model in using mobile banking services, especially for customers of Bank Nagari.
What Financial Literacy and Saving Behavior Reveal About Retirement Planning: A Case Study of CV. Mulia Pratama Afifah Usman, Nurul; Mardhatillah, Dinda
Salam (Islamic Economics Journal) Vol. 6 No. 1 (2025): June 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/yy4faw69

Abstract

According to OJK data, only 15% of those employed has planned retirement programs, with a lower percentage in the private sector. This highlights the substantial obstacles that private sector employees in Indonesia confront when preparing for retirement. Santoso et al. (2022) conducted research that indicates that 90% of private employees are not provided with retirement program facilities by their employers, resulting in a significant welfare disparity in comparison to civil servants. This issue is further exacerbated by a number of factors, including low financial literacy (49.68% nationally in 2022), unbalanced consumption patterns, poor saving behavior that prioritize short-term needs, global economic uncertainties, high inflation rates, and the demographic challenge of Indonesia's aging population. This study looks into how saving behavior and financial literacy affect retirement planning among the employees at CV. Mulia Pratama. The aim is to provide stakeholders information they can use in designing improved retirement planning programs for Indonesian private sector employees.   Keywords: financial literacy, saving behavior, retirement planning
Can Trust Be Streamed? The Influence of Digital Voices on Gen Z’s Repurchase Intention Suziana, Suziana; Usman, Nurul Afifah; Verinita, Verinita
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.58429

Abstract

This study aims to examine the influence of online customer review, rating, and live streaming on trust and repurchase intention among Generation Z consumers in Padang, Indonesia. This paper contributes to digital marketing literature by exploring the mediating role of trust in e-commerce fashion purchases via Shopee. Using a quantitative approach, a purposive sampling method was applied to collect data from 200 Gen Z respondents who had purchased fashion products on Shopee within the last six months. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that online reviews and ratings significantly affect both trust and repurchase intention, while live streaming impacts trust but not directly repurchase intention. Trust also mediates the relationship between review and repurchase intention, and between live streaming and repurchase intention. These findings suggest that trust is a key driver of customer loyalty in digital commerce, especially among Gen Z.
Enhancing the Capacity of MSMEs through Social Media and Financial Literacy Training in Sulaman and Silver Cici Koto Gadang Anas, Yulia; Oktavia, Fitriyeni; Afifah Usman, Nurul; Amelia, Novi
Warta Pengabdian Andalas Vol 33 No 1 (2026)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jwa.33.1.113-119.2026

Abstract

Training in social media and financial literacy is crucial for enhancing the capabilities of micro, small, and medium-sized enterprises (MSMEs), especially traditional craft businesses like Sulaman and Silver Cici Koto Gadang MSME. The objective of this study is to examine the impact of these training programs on attitude formation, subjective norms, and perceived behavioral control, as outlined by the Theory of Planned Behavior (TPB). Through a qualitative approach involving participatory observation, in-depth interviews, and pre- and post-tests, the study reveals significant improvements in participants' ability to manage digital marketing and understand financial risks, particularly concerning illegal online loans. The results suggest that positive attitudes toward social media as a strategic marketing tool are emerging, along with a deeper understanding of financial management and the identification of illegal lending practices. Stronger perceived behavioral control, as demonstrated by increased post-test scores, encourages MSMEs to adopt safer financial practices and sustain digital marketing efforts. Overall, this study confirms that integrated interventions are effective. These interventions combine digital skills training and financial literacy. They effectively strengthen MSME resilience and competitiveness in the digital economy.
Monozukuri and Physical-Mental Balance: A Qualitative Study of Indonesian Students Working in Japan’s Manufacturing Sector Andreas Aji Wibowo; Nurul Afifah Usman
Journal Research of Social Science, Economics, and Management Vol. 6 No. 2 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v6i2.1701

Abstract

This study aimed to analyze the experiences of Indonesian students working in Japan’s manufacturing sector in balancing academic demands, the work culture of monozukuri, and their physical and mental well-being. The phenomenon of working students in Japan reflects the complexity of dual roles shaped by economic pressures, academic responsibilities, and a work culture that emphasizes precision, discipline, and commitment. This study employed a descriptive qualitative approach and conducted interviews with 10 Indonesian students working in Japan’s manufacturing industry, who were selected through purposive sampling. The findings showed that monozukuri was internalized as a work ethic that fostered discipline and responsibility, but it also contributed to physical and mental fatigue, including burnout resulting from demanding workloads and academic responsibilities. Students experienced role imbalance due to shift-based work schedules and therefore adopted coping strategies such as time management, prioritization, and social support. These findings indicated that monozukuri functioned both as a means of character development and as a potential source of pressure. The findings imply the need for more adaptive workplace and academic support systems to help working students maintain physical and mental balance while managing their dual roles.
Co-Authors Amelia, Novi Anas, Yulia Andreas Aji Wibowo Elsa Felina Effendi, Eri Besra Mardhatillah, Dinda Oktavia, Fitriyeni Suziana, Suziana Syafrizal Syafrizal Verinita, Verinita