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All Journal JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Jurnal Ilmiah Manajemen dan Akuntansi
Syarif Thayib
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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PENGARUH HARGA DAN KUALITAS PELAYANAN TERHADAP PEMBELIAN KONSUMEN PADA IKKI BABY SPA Qonita Dzatin Nuha; Syarif Thayib
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 3 No. 1 (2026): Januari : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/kxr1m941

Abstract

This study aims to analyze the influence of price and service quality on consumer purchasing decisions at Ikki Baby Spa Banyu Urip branch in Surabaya. The development of urban lifestyles has increased demand for baby and maternal care services, creating intense competition in the baby spa industry. The research method employed is quantitative with a causal associative approach. The research sample involved 112 respondents who are consumers of Ikki Baby Spa with the criteria of having used the service at least twice. The sampling technique used purposive sampling, while data analysis used multiple linear regression with SPSS version 25. The results showed that price has a positive and significant effect on purchasing decisions with a t-value of 9.463 and significance of 0.000. Service quality also has a positive and significant effect on purchasing decisions with a t-value of 6.294 and significance of 0.000. Simultaneously, price and service quality have a significant effect on purchasing decisions with an F-value of 64.508 and a coefficient of determination of 54.2%. These findings indicate that Ikki Baby Spa consumers highly consider the price aspect in decision-making, but still expect satisfactory service quality. This research provides managerial implications that companies need to maintain competitive pricing strategies while continuously improving service quality to strengthen market position.
Strategi Manajemen Risiko Kredit Dalam Pembiayaan Umkm Dari Bank Syariah : Studi Kasus Bank Syariah Indonesia Kc Surabaya Jemur Handayani Nur Diana; Syarif Thayib
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 4 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN 
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i4.7818

Abstract

This study aims to analyze the credit risk management strategies implemented by Bank Syariah Indonesia (BSI) in financing Micro, Small, and Medium Enterprises (MSMEs). Credit risk remains one of the primary challenges in Islamic banking, as the profit-sharing system tends to increase the likelihood of non-performing financing (NPF). Using a qualitative approach with a case study design, data were collected through in-depth interviews with risk managers, credit analysts, and MSME actors, as well as through documentation of BSI’s risk management policies and annual reports. Thematic analysis was employed to identify patterns within the applied risk-mitigation strategies. The findings reveal that BSI adopts various approaches to reduce credit risk, including sharia-based business feasibility assessments, collaboration with microfinance institutions such as Baitul Maal wa Tamwil (BMT), and the optimization of monitoring and collection systems. The effectiveness of these strategies is influenced by internal factors—such as the quality of credit risk analysis—and external factors, including global economic conditions and regulatory changes. Overall, a comprehensive understanding of credit risk dynamics in MSME financing enables BSI to develop more effective mitigation policies. This study provides valuable insights for stakeholders in the Islamic banking sector in improving access to MSME financing, strengthening bank profitability, and maintaining the stability of Indonesia’s Islamic financial system.
Co-Authors Nur Diana Qonita Dzatin Nuha