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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal Research of Social Science, Economics, and Management
Maju Simatupang, Batara
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Economics, Econometrics & Finance Environmental Science

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Operational and Marketing Strategic For Integrated Digital Service Attractiveness: A Study on "Madina" From Bank Muamalat Indonesia Septiana, Devi; Grace Haque, Marissa; Maju Simatupang, Batara; Budhijana, Bambang
Journal Research of Social Science, Economics, and Management Vol. 3 No. 9 (2024): 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.v3i9.647

Abstract

Technological developments are forcing the banking sector to adapt to the digital era. Bank Muamalat Indonesia focuses on e-Banking services for non-individual customers. 24/7 service, including the MADINA feature for real-time transactions, makes things easier for customers. MADINA, a CMS application, makes cash management easier for corporate customers. Through SWOT and QSPM analysis, the bank formulates a digital marketing strategy to improve business performance. This research uses mixed methods, combining quantitative and qualitative data to produce a narrative description. This approach emphasizes the nature of data, process rather than results. Descriptive analysis was carried out using a financial ratio approach. The focus is on converting qualitative data into quantitative data from interviews as a data collection technique. Bank Muamalat Indonesia will implement a collaboration strategy with third parties as a top priority, with the highest TAS of 4,143. The second alternative is to utilize brand image, with TAS 4,068. Utilization of technology in promotions was the third highest strategy, with TAS 4,031, followed by sustainable satisfaction for partners with TAS 4,003. Training to improve the quality of human resources is the final strategy with a TAS weight of 4.031.
Offline Store China "Oh! Some" in Jabodetabek: Brand Image, Price, Product Quality and Service to Purchase Decisions Ari Nugroho, Surya; Wulandari, Nuri; Maju Simatupang, Batara; Haryanti, Enny
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5769

Abstract

Online shopping trends in Indonesia saw rapid growth during the COVID-19 pandemic. However, post-pandemic, interest in offline shopping increased again, especially in modern offline stores that combine modern store with lifestyle. This resurgence is driven by the need for direct product interaction, personalized customer service, and enjoyable shopping experiences that online shopping cannot be fully replaced by online shopping. The emergence of modern offline stores like OH!SOME, Miniso, Niceso, Usupso, Minigood, and Daiso, particularly in the Jabodetabek area, has led to intense competition to attract consumers. OH!SOME, as one of foreign retailer from KK Group China, has rapidly expanded in Indonesia with innovative marketing strategies and attractive store concepts. This research aims to analyze the influence of brand image, price, product quality, and service quality on purchasing decisions at OH!SOME offline stores in the Jabodetabek area. This research uses a quantitative method with Structural Equation Modelling - Partial Least Square (SEM-PLS) analysis technique using Smart PLS 4. The research sample consists of consumers who have made purchases at OH!SOME offline stores and live in the Jabodetabek area. The results show that the four independent variables have a positive and significant influence on purchasing decisions, with p-value < 0.05 and t-value > 1.96. Brand image has the greatest influence with a path coefficient of 0.287, followed by service quality and product quality, both having a path coefficient of 0.252, and price with a path coefficient of 0.171. These findings indicate that to increase purchasing decisions, OH!SOME needs to continue strengthening its brand image, improving service quality, maintaining product quality, and implementing competitive pricing strategies.
The Effect of Perceived Ease of Use, Usefulness of Qris on Impulsive Consumptive Behavior with Digital Financial Literacy Moderation Rifani, Milsa; Rizal Putri, Vidiyanna; Maju Simatupang, Batara; Pracoyo, Antyo
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5881

Abstract

This study aims to analyze the influence of perceived ease of use and perceived usefulness of QRIS on consumptive behavior, with impulsive buying as a mediating variable and digital financial literacy as a moderating variable. Using a quantitative approach with Structural Equation Modeling–Partial Least Squares (SEM-PLS) on 93 bank employees in Jakarta, the findings indicate that perceived ease of use decreases consumptive behavior but increases impulsive buying, while perceived usefulness significantly affects impulsive buying but does not directly influence consumptive behavior. Impulsive buying is shown to increase consumptive behavior and serves as a partial mediator in the relationship between perceived ease of use and consumptive behavior, and as a full mediator in the relationship between perceived usefulness and consumptive behavior. Moreover, digital financial literacy plays a moderating role by weakening the effect of impulsive buying on consumptive behavior, thereby helping to control excessive consumption tendencies and contributing to a deeper understanding of the behavioral implications of digital payment technologies.
The Effect of Work Motivation, Job Satisfaction, and Non-Financial Compensation of Employees on Organizational Commitment Case Study at PT BPR Brata Bhakti Sejahtera Hendro Wibowo, Gunawan; Adriansyah, Ahmad; Maju Simatupang, Batara; Pracoyo, Antyo
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.5693

Abstract

This research aims to examine the influence of work motivation, job satisfaction, and non-financial compensation on organizational commitment at PT BPR Brata Bhakti Sejahtera. Organizational commitment is one of the important factors in maintaining employee performance and loyalty in the long term. This study uses a quantitative method with a case study approach and involves 16 respondents who are BPR employees. Data testing was carried out using the chi-square test to determine the relationship between independent and dependent variables. The results of the study indicate that work motivation and non-financial compensation have a significant effect on organizational commitment, each with a significance value of 0.043 and 0.046 (p <0.05). This confirms that employees who have high motivation and receive adequate non-financial compensation such as awards, recognition, and opportunities for self-development tend to have high loyalty to the organization. Meanwhile, job satisfaction does not show a significant effect on organizational commitment, with a significance value of 0.130 (p>0.05). This finding indicates that in the banking context, employee commitment is more influenced by intrinsic motivation and non-material rewards than general job satisfaction.
Factors Affecting Repurchase Intention on Tokopedia (Case Study in the Greater Jakarta Area) Widjaja, Anthony Widjaja; Wijaya, Erric; Rofianto, Whony; Maju Simatupang, Batara
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.5694

Abstract

The digital era is changing consumer behavior with the increasing use of the internet and social media that encourages the growth of e-commerce in Indonesia. This study analyzes the factors that affect the repurchase intention of Tokopedia users in the Greater Jakarta area, including Effort Expectancy, Perceived Usefulness, Information Quality, Perceived Risk, Social Influence, Trust, and Satisfaction. With a quantitative approach and SEM method (SmartPLS 4) on 170 respondents, the results showed that Trust, Satisfaction, Effort Expectancy, Perceived Usefulness, Information Quality, and Social Influence had a significant positive effect on repurchase intention, while Perceived Risk had a negative effect. These findings affirm the importance of improving service quality, transaction security, and Tokopedia's marketing strategy to strengthen customer loyalty.
Enhancing Banking Service Quality through Digital Transformation: A Strategic Analysis of a Regional Development Bank in Papua Giyai, Simon; Maju Simatupang, Batara; Budhijana, R. Bambang; Pracoyo, Antyo
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 1 (2026): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i1.6652

Abstract

Digital transformation has become a critical driver in enhancing banking service quality, particularly in regions characterized by infrastructural limitations and low digital literacy. This study aims to formulate strategic approaches to improving service quality through banking digitalization at a regional development bank in Papua, Indonesia. A qualitative case study approach was employed, utilizing semi-structured interviews and document analysis. Data were analyzed using SWOT and the Quantitative Strategic Planning Matrix (QSPM) to identify and prioritize strategic alternatives. The findings reveal that the most effective strategy is the development of inclusive and context-based mobile banking services, which enhance accessibility, operational efficiency, and customer satisfaction. The results demonstrate that successful digital transformation in geographically constrained regions depends not only on technological readiness but also on the organization’s ability to adapt to local socio-economic conditions and varying levels of digital literacy. This study contributes to the literature by extending the bank 4.0 concept into frontier regions through an adaptive and context-sensitive digital banking framework.
Co-Authors Ahmad Adriansyah Ari Nugroho, Surya Budhijana, Bambang Budhijana, R. Bambang Erric Wijaya, Erric Giyai, Simon Grace Haque, Marissa Haryanti, Enny Hendro Wibowo, Gunawan Nuri Wulandari, Nuri Pracoyo, Antyo Rifani, Milsa Rizal Putri, Vidiyanna Rofianto, Whony Septiana, Devi Widjaja, Anthony Widjaja