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Kartini, Ida Ayu Nuh
Universitas 17 Agustus 1945 Surabaya
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Analisis Pengaruh Influencer Marketing, Brand Image, dan Kualitas Produk Terhadap Keputusan Pembelian Produk Glad2glow Perfect Cover Cushion Pada Aplikasi Tiktok Shop Jauzaa Ronaa Nuur Aqiila; Ida Ayu Nuh Kartini
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 3: April 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i3.14977

Abstract

The purpose of this study is to look into how Glad2Glow Perfect Cover Cushion purchase decisions among Generation Z TikTok Shop customers in Surabaya are influenced by Influencer Marketing, Brand Image, and Product Quality. Data were gathered from 101 purposively chosen respondents who had bought the goods through TikTok Shop using a quantitative survey method. The data were processed using validity, multiple regression analysis, t and F tests, coefficient of determination, and reliability tests, and tests of classical assumptions. The findings demonstrate that brand image, product quality, and influencer marketing all greatly affect consumers' decisions to buy. Although Brand Image and Product Quality have positive and substantial benefits, with Product Quality being the most important aspect, Influencer Marketing has a negative and significant influence. These findings indicate that although influencer promotions are important, Generation Z consumers place greater emphasis on product quality and brand perception when making purchasing decisions.
PENGUATAN KELEMBAGAAN DAN MANAJEMEN KOPERASI KARYAWAN SEBAGAI UPAYA PENINGKATAN KESEJAHTERAAN ANGGOTA Oriza Sativa; Dyah Ayu Sukmawati; Anisah Fitri; Ida Ayu Nuh Kartini
JOURNAL OF COMMUNITY DEDICATION Vol. 5 No. 2 (2026): Journal of Community Dedication
Publisher : Adiba Aisha Amira

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

Abstract

This study aims to analyze the strengthening of institutional and management aspects of employee cooperatives as an effort to improve members’ welfare in a sustainable manner. Employee cooperatives play a strategic role in supporting the economic and social welfare of workers; however, in practice, they still face various challenges, particularly in institutional capacity and management practices. This research employs a qualitative approach with a descriptive research design. The data used are secondary data obtained through a literature review of books, scientific journals, previous studies, and regulations related to cooperatives. The results indicate that although employee cooperatives have established institutional structures in accordance with existing regulations, their implementation has not been optimal. Low member participation, limited managerial and supervisory capacity, and weak application of good cooperative governance are the main obstacles. Therefore, strengthening institutional capacity and implementing professional, transparent, and participatory management are essential to enhance both economic and social benefits and to improve members’ welfare sustainably
Analisis Segmenting, Targeting, dan Positioning Bank Maybank Indonesia Dalam Membangun Citra Lifestyle Banking Achmad Axsel Fahrezi; Sophia Rani Larasati; Ida Ayu Nuh Kartini
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 6 (2026): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Juni 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i6.2643

Abstract

The increasingly competitive banking industry encourages financial service institutions to market their products by emphasizing brand image and customer experience. Therefore, this study aims to analyze Maybank Indonesia's positioning in building its lifestyle banking brand using the Segmentation, Targeting, and Positioning (STP) approach. This research employed a qualitative descriptive method using secondary data obtained from the company's website, digital promotional media, and various publications related to Maybank Indonesia's services. The findings indicate that Maybank Indonesia conducts market segmentation based on lifestyle dimensions, financial needs, and levels of economic activity. These segments primarily target professionals, entrepreneurs, and modern consumers with lifestyle-oriented preferences. Through the lifestyle banking concept, Maybank has transformed its banking marketing approach from a transactional orientation to one based on relationships and customer experiences. This positioning strategy contributes to strengthening the company's brand identity and fostering emotional connections with customers through services that align with their lifestyles.
Ketika Satu Scan Menggantikan Uang Tunai: Pengalaman Pengguna terhadap QRIS sebagai Inovasi Layanan Perbankan Digital (Studi Kasus pada Subjek IN-01 dan Subjek IN-02) Harun Aminuddin; Fika Syanty Ayu Febriella; Salwa Najiba; Ida Ayu Nuh Kartini
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 6 (2026): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Juni 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i6.2679

Abstract

This study examines user experiences in adopting QRIS (Quick Response Code Indonesian Standard) as a digital banking service innovation in Indonesia. Employing a descriptive qualitative approach with a case study method, the research involved two informants (IN-01 and IN-02) who were interviewed in-depth using a 15-item semi-structured interview guide. Thematic analysis identified five main themes: (1) situational-triggered QRIS adoption, (2) radical shift from cash to smartphone-based payments, (3) functional value through practicality and financial control, (4) dependence on digital infrastructure and emotional responses to system failures, and (5) positive perceptions of QRIS security and future prospects. The core finding reveals that QRIS has transformed from merely a payment alternative into a primary transactional instrument embedded in users' daily lives, positioning the smartphone as a digital wallet replacing cash both functionally and psychologically. This research contributes to the understanding of cashless society behavior among young Indonesian users, though findings are limited to the context of the two informants studied and are not intended for broad generalization.
Pengaruh Pengetahuan, Keberanian Risiko, dan Pengendalian Diri terhadap Keputusan Investasi Nasabah dalam Perspektif Manajemen Bank Elfan Adiel Prastino; Khairudin Mufid; Ida Ayu Nuh Kartini
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 6 (2026): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Juni 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i6.2680

Abstract

Investment activities have increasingly become an important part of financial decision-making, particularly in the context of banking services that offer various investment instruments to customers. However, the rise in investment interest is not always accompanied by adequate understanding, which may lead to irrational decisions and potential financial risks. This study aims to examine how investment knowledge, risk tolerance, and locus of control influence customers’ investment decisions from a banking management perspective. This research applies a qualitative approach using a literature study method by reviewing relevant textbooks, academic journals, and previous studies related to investment behavior and banking management. The analysis is conducted by connecting key concepts such as investment decision-making processes, risk-return relationships, and individual behavioral factors that shape investment choices. The findings indicate that investment knowledge plays a fundamental role in shaping more informed and rational decisions. In addition, risk tolerance determines how individuals respond to uncertainty, while locus of control reflects the ability to manage and control personal financial behavior. These three factors are closely related and collectively influence how customers make investment decisions. From a banking management perspective, understanding these aspects is essential in developing effective financial education programs and improving investment services for customers. Therefore, this study is expected to provide theoretical insights into investment behavior within the banking sector and serve as a reference for enhancing customer-oriented investment strategies.
Analisis Pelayanan Nasabah dalam Meningkatkan Kepuasan Pelanggan Pada Bank CIMB Niaga Aldrich Azka Rama Athaariq; Tarangga Ali Ramadhani; Achmad Maulana Setia Putra; Ida Ayu Nuh Kartini
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 6 (2026): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Juni 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i6.2707

Abstract

Customer service is one of the important factors in the banking industry because it is directly related to customers. Good service quality can provide comfort and support customer satisfaction. This study aims to analyze customer service in improving customer satisfaction at CIMB Niaga Bank. The research employed a descriptive qualitative method with data collection techniques consisting of observation, documentation, and literature study. The observation was conducted by a group of three researchers. The results indicate that the services provided by CIMB Niaga Bank have been implemented quite well. This can be seen from the availability of teller and customer service facilities, an organized queue system, comfortable waiting areas, and friendly employees. In addition, digital banking services and ATM facilities help customers perform transactions more easily. Based on the observations, the quality of service provided has the potential to improve customer satisfaction by offering convenience and comfort in accessing banking services.
Customer Experience Pengguna Brimo dalam Membangun Loyalitas Nasabah Generasi Z: Studi Kualitatif pada PT Bank Rakyat Indonesia (Persero) Tbk. Kantor Cabang Pembantu Nginden Semolo Surabaya Faserin Sahnia; Silvi Silvi; Sundari Putri Langit Kemul Mega; Ida Ayu Nuh Kartini
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 7 (2026): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Juli 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i7.2722

Abstract

The rapid digital transformation of Indonesian banking has intensified competition for Generation Z customers. This qualitative case study explores how customer experience with BRImo, a mobile banking application of PT Bank Rakyat Indonesia, shapes Generation Z customer loyalty at a sub-branch office in Surabaya. Two informants were selected through purposive sampling: a Customer Service officer (I1) and a Generation Z user (I2). Data were collected through in-depth interviews, non-participant observation, and documentation, then analyzed using the Miles, Huberman, and Saldana model. Thematic analysis identified five themes: ease of access and feature completeness as the gateway to positive experience; lifesaver experience during critical moments as a driver of emotional loyalty; the role of customer service as a human touchpoint and digital navigator; security perceived as a baseline requirement rather than a differentiator; and digital ecosystem embeddedness as a loyalty lock-in mechanism. These findings extend the understanding of customer experience in Indonesian mobile banking and offer practical implications for digital banking retention strategies targeting young customers.
Analisis Faktor-Faktor Yang Memengaruhi Adopsi Digital Banking: Systematic Literatur Review Nesya Azrina Fernanda Shalvianita; Ardhea Mareta Aini; Ida Ayu Nuh Kartini
Jurnal Ilmu Manajemen dan Akuntansi Nusantara Vol. 2 No. 2 (2026): JIMAKUN - Juli
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jimakun.v2i2.1704

Abstract

The rapid development of information technology has transformed the banking industry through the implementation of digital banking services, which aim to improve efficiency, accessibility, and service quality for customers. Although the use of digital banking continues to increase, its adoption is influenced by various factors that determine customers' willingness to use these services. This study aims to identify the factors influencing digital banking adoption by applying the Systematic Literature Review (SLR) method. The study was conducted by collecting, selecting, and analyzing relevant scientific articles based on predetermined inclusion and exclusion criteria. The findings indicate that perceived usefulness, perceived ease of use, trust, security, social influence, and digital literacy are the primary factors affecting digital banking adoption. In addition, the results reveal that the successful implementation of digital banking depends not only on technological innovation but also on the banking industry's ability to establish customer trust, ensure transaction security, and improve digital literacy. Therefore, banking institutions should continuously enhance service quality, strengthen security systems, and promote digital literacy programs to encourage broader adoption of digital banking services. This study is expected to provide valuable insights for banking practitioners and serve as a reference for future research on digital banking adoption.
Dampak Transformasi Digital (Digital Banking) Terhadap Kinerja Keuangan Dan Efisiensi Operasional Bank M. Fathur Rizki; Rizqi Nazal Farkhani; Ida Ayu Nuh Kartini
Jurnal Ilmu Manajemen dan Akuntansi Nusantara Vol. 2 No. 2 (2026): JIMAKUN - Juli
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jimakun.v2i2.1706

Abstract

Digital transformation in the banking industry has fundamentally reshaped the business landscape. This study aims to analyze the impact of digital banking implementation on the financial performance and operational efficiency of commercial banks in Indonesia for the period 2018–2023. The research employs a panel data method with a fixed effect model (FEM) approach applied to 25 commercial banks listed on the Indonesia Stock Exchange (IDX). Independent variables include the digital adoption index, information technology investment, and the number of mobile banking users. Dependent variables encompass Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and the Operational Cost-to-Revenue Ratio (BOPO). The results indicate that digital banking implementation has a significant positive effect on ROA (β = 0.312; p < 0.01) and ROE (β = 0.287; p < 0.05), and a significant negative effect on the BOPO ratio (β = −0.418; p < 0.01), indicating improved operational efficiency. These findings imply that the acceleration of banking digitalization needs to be supported by adaptive regulations and sustained investment in technological infrastructure.
Analisis Pengaruh Inovasi Digital Banking Terhadap Loyalitas Nasabah Di Wilayah Sidoarjo Andre Rizky Rayhan Ubaidillah; Davin Al Aufa Setiawan; Ida Ayu Nuh Kartini
Jurnal Ilmu Manajemen dan Akuntansi Nusantara Vol. 2 No. 2 (2026): JIMAKUN - Juli
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jimakun.v2i2.1712

Abstract

The rapid advancement of information technology has accelerated digital transformation in the banking industry through the development of digital banking services, particularly mobile banking. Banks continuously introduce digital innovations to provide customers with more convenient, efficient, secure, and accessible financial services. However, increasing competition among banks and the emergence of financial technology (fintech) services require banking institutions to continuously innovate in order to maintain customer loyalty. At the same time, issues such as system disruptions, limited application features, and transaction security concerns may affect customers' experiences and loyalty. This study aims to analyze digital banking innovation in improving customer loyalty among mobile banking users in Sidoarjo Regency. The study employs a qualitative descriptive approach. Informants are selected using purposive sampling, consisting of active mobile banking users residing in Sidoarjo Regency. Data are collected through in-depth interviews, observation, and documentation, and are analyzed using the Miles and Huberman interactive analysis model, including data reduction, data display, and conclusion drawing. Data validity is ensured through source and technique triangulation. This study is expected to provide a comprehensive understanding of digital banking innovations perceived by customers and explain how these innovations contribute to strengthening customer loyalty. The findings are expected to serve as a reference for banking institutions in developing more innovative, secure, and customer-oriented digital banking services.
Co-Authors Achmad Axsel Fahrezi Achmad Maulana Setia Putra Adi Rahmad Adrian Dewa Mutiara Sakti Aggraini, Nunung Akbar, Jalaluddin Mohammad Alamsyah, Muhammad Aktoriel Aldrich Azka Rama Athaariq Alfin Cahya Firmansyah Aliffia Iza Nurheta Andre Rizky Rayhan Ubaidillah Andri Hermawan Anisah Fitri Ardhea Mareta Aini Aulia Afifah Aulia Sintya Azzahra Aulya Nurul Islamiyah Aziz, M. Saiful Bagus Pranjaya Baharudin Yusuf Habibi Bimantara Putra Ernanto Darmawan, Indra Manggala Dwi Dava Rizqi Al Fajri Davin Al Aufa Setiawan Debora Kristian Della Widyasari Deni Irawan Devina Ayu Ristanti Diah Ayu Susilaningtias Djonien, Azarya B. Djumaifin, Thesalonika Dyah Ayu Sukmawati Elfan Adiel Prastino Elvira Djalil Endang Setyowati Erlangga Rifki Saputra Eva Dwi Fani Fajrin Naja, M. Afrirul Farhan Adi Faserin Sahnia Febri Ali Wijaya, Histwo Felix Chandra Pranoto Fika Syanty Ayu Febriella Fitra Aoelintiano Nico Victorian Gregorius Arie Angga Dwiputra Handa, Nur Harun Aminuddin Herlini Sanika Rahmawati Hieronimus Aldo Bagas Ariputra Ida Ayu Sri Brahmayanti Ida Bagus Cempena Ilham, M. Shafrial Indra Manggala Dwi Darmawan Intan Ayu Purnama Jauzaa Ronaa Nuur Aqiila Jeslin Cecelia Thunggal Jessicka Amelia Joyta Johana Rizky Widyastuti Khairudin Mufid Kharin Dinda Aisyah M. Afandi M. Fathur Rizki Mariana Peka Powo Meilani, Revi Moch. Afif Mohammad Luqman Farandila Muhamad Rafli Fatahila Muhammad Thufail Musta’in Muhammad Yasin Muttaqin, Muhammad Zukhruful Nasha Aurellya Putri Intiati Nekky Rahmiyati Nesya Azrina Fernanda Shalvianita Nico Api Sunda Ninik Martini Oriza Sativa Pramita Studiviany S Pramita Studiviany Soemadijo Pramita Studiviany Soemadijo Pramudhita Jessika Putri Pranoto, Felix Chandra Prasetya, Mahfud Eko Pratama, Anthon Yoga R.Frengkly Listiya Dendi Wicaksana Rafi Putra Indriarto Rahmawati, Herlini Sanika Randy Dwi Tinara Revalia Wulan Suryani Ridwanda, Zahwa Nabilla Rini Rahayu Sihmawati Risqi Tirta Diroska Riyana Astutik Ningsih Rizqi Nazal Farkhani Sajiyo Sajiyo Salwa Najiba Sandari, Tries Ellia Shafa Aqila Silvi Silvi Siti Romlah Soebandono, Mochamad Raka Putra Soemadijo, Pramita Studiviany Sonia Maylany Sophia Rani Larasati Studiviany, Pramita Sulistyorini Sulistyorini Sundari Putri Langit Kemul Mega Syailendra, Yusfi Syarief, Dwi Jayanthi Syifaul Islamiyah Tansa Sugi Karenia Tarangga Ali Ramadhani Teresya Dwigantara Wega Thesa Djumaifin Tri Hutomo Yogiantoro Tries Ellia Sandari Tries Ellia Sandari Sandari Waasi’u Khairunnisa Yeni Mustika Sari Yusak Fahrur Hamzah Zhannah, Putri Nur Miftahul