Article Per Year (5 Year)
p-Index From 2020 - 2025
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This Author published in this journals
All Journal Indonesian Journal of Economics and Management Journal of Applied Islamic Economics and Finance
Natasya, Putri Aulia
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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What Customers Value Most: The Real Impact of CSR in Islamic Banking in Indonesia and Turkey Mauluddi, Hasbi Assidiki; Natasya, Putri Aulia; Ningrat, Putri Ayu; Latif, Dini Verdania
Indonesian Journal of Economics and Management Vol. 5 No. 3 (2025): Indonesian Journal Of Economics and Management (July 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v5i3.6537

Abstract

This study aims to examine the influence of customer perception of Corporate Social Responsibility (CSR) and the actual implementation of CSR initiatives on customer satisfaction in the context of Islamic banking in Indonesia and Turkey. Using a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 215 respondents in Indonesia and 175 respondents in Turkey who are active customers of Islamic banks. The results reveal significant differences between the two countries. In Indonesia, CSR implementation has a strong and significant impact on customer satisfaction, while customer perception of CSR does not show a statistically significant effect. Conversely, in Turkey, both customer perception and CSR implementation significantly influence customer satisfaction, although with more moderate effect sizes. These findings highlight the contextual role of cultural and institutional factors in shaping how CSR is received and valued by customers. The study concludes that tangible CSR actions have a stronger influence than perception alone, particularly in Indonesia, and that effective CSR communication and strategic customer involvement are essential to enhancing satisfaction. The study provides practical recommendations for Islamic banks to strengthen their CSR strategies by aligning them with sharia principles, ensuring transparency, expanding strategic focus areas, and actively engaging customers in social initiatives.
Analysis of the Effect of FDR, BOPO, ROA and Inflation on Non-Performing Financing at Islamic Rural Banks in Java for the 2020-2023 Period Natasya, Putri Aulia; Ruhadi, Ruhadi
Journal of Applied Islamic Economics and Finance Vol. 5 No. 2 (2025): Journal of Applied Islamic Economics and Finance (Februari 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v5i2.6754

Abstract

This study analyzes the effect of financial performance ratios and macroeconomic indicators on the asset quality of Sharia Rural Banks (BPRS) in Java, using panel data from 78 BPRS for the period 2020–2023 selected through purposive sampling. Financial performance ratios are measured using FDR, BOPO, and ROA, while macroeconomic indicators are represented by the inflation rate. Asset quality is proxied by Non-Performing Financing (NPF). The analysis was conducted using panel data regression methods. The results of the study indicate that FDR, BOPO, ROA, and inflation simultaneously have a significant effect on NPF. However, only FDR and ROA have a significant positive effect on NPF, while BOPO and inflation do not show a significant effect.
Co-Authors Hasbi Assidiki Mauluddi Latif, Dini Verdania Ningrat, Putri Ayu Ruhadi Ruhadi