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All Journal AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Jurnal Cendekia Ilmiah
Salim, Susan Ratna
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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User Segmentation of Digital Banking in The Jabodetabek Region Using The Python Based K-Means Clustering Method Nurlia, Siti Adinda; Utami, Sri; Salim, Susan Ratna; Heikal, Jerry
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 6: Oktober 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i6.12855

Abstract

The rapid rise of digital banking adoption in Indonesia, particularly in the Jabodetabek metropolitan region, has created both opportunities and challenges for financial institutions. Although usage levels are high, many digital banks still struggle to align their product features with the behavioral patterns and expectations of their users. This study applies Python based K-Means Clustering to segment 139 active digital banking users using demographic and behavioral variables, including age, occupation, income, usage duration, transaction types, and communication channels. The clustering process generated four user segments: (1) The Practical Young Worker, (2) The Entertainment Oriented Digital Native, (3) The Civil Service Functionalist, and (4) The Mature Entertainer. Among these, Cluster 2 emerged as the dominant segment (45%), consisting primarily of young female digital natives aged 18–25 who heavily consume entertainment services and are highly responsive to social media-driven promotions. Based on this finding, the study identifies Gen Z urban females as the target persona and proposes an Online Value Proposition (OVP), “A fun, stylish, and reward driven digital banking experience tailored for digital natives.” This research emphasises the importance of data driven segmentation, persona development, and STP alignment in enhancing user engagement and loyalty within Indonesia’s digital banking ecosystem.
Analisis Faktor-Faktor Penyebab Kepailitan Sritex Wulan, Mutia Karunia Antap; Chow, Sayuti; Salim, Susan Ratna; Rukmana, Ovalia
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 6 No. 2 (2026): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v6i2.1915

Abstract

The bankruptcy of PT Sri Rejeki Isman Tbk (Sritex), once one of Indonesia’s largest and most prominent textile manufacturers, represents a significant case of strategic failure within an increasingly competitive global manufacturing environment. Despite its long-standing reputation as a major exporter and supplier to international fashion brands and military institutions, Sritex ultimately collapsed under mounting financial and strategic pressures. This study aims to identify and explain the key internal and external factors that led to Sritex’s bankruptcy, while drawing strategic lessons for firms operating in export-oriented manufacturing industries. The research adopts a qualitative case study approach using secondary data collected from academic publications, industry reports, corporate documents, and credible news sources from 2023-2024. Data were analyzed through an integrated strategic management framework comprising SWOT analysis, Porter’s Five Forces, and the VRIO model to assess competitive pressures, strategic positioning, and resource sustainability. The findings indicate that Sritex’s former competitive strengths were no longer sufficient to withstand structural changes in the textile industry. Intense global competition, rising imports, and shifting demand patterns were compounded by internal weaknesses, including excessive leverage, rigid operations, and inadequate risk management. These factors collectively accelerated the firm’s financial distress and organizational breakdown. The study highlights the importance of strategic adaptability, prudent financial governance, and alignment between internal capabilities and external industry dynamics.
Co-Authors Chow, Sayuti Heikal, Jerry Nurlia, Siti Adinda Rukmana, Ovalia Sri Utami Wulan, Mutia Karunia Antap