Rosana Eri Puspita
Universitas Islam Negeri Salatiga, Indonesia

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Measuring Potential Effect on Bank Stability After Muhammadiyah Makes Bank Run Desi Trisnawati; Rosana Eri Puspita; Mohammed Asmy bin Mohd Thas Thaker; Anwar Radiamoda
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 3 (2025): JIMKES Edisi Mei 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i3.3254

Abstract

Muhammadiyah, a major Indonesian community organization, plans to withdraw approximately 13 trillion rupiah from Bank Syariah Indonesia (BSI) due to concerns over financial concentration risks. Beyond its tangible assets, Muhammadiyah’s influence over its followers raises the potential for a bank run, threatening banking stability. This study aims to analyze netizen behavior toward Muhammadiyah’s decision and the likelihood of its followers following suit. Employing a qualitative netnography approach, data were collected from 2,402 YouTube comments using Nawala software and analyzed with NVIVO. Findings reveal that netizens extensively discussed trust in government, development plans, deposit safety, and fund allocation, with predominantly negative sentiments. Approximately 65–70% expressed distrust in the government, 85% questioned BSI’s fund allocation, and 55–60% supported Muhammadiyah’s proposal to establish a new bank. Strong public support for Muhammadiyah’s actions indicates a risk of a broader bank run. The study concludes that public distrust in the government and BSI, amplified by Muhammadiyah’s influence, poses a threat to financial stability. Transparent communication and robust deposit guarantees by the government and BSI are essential to mitigate further crises.
Systemic Digital Marketing Management for MSMEs in Central Java through ISM and MULTIPOL Strategic Analysis Desi Trisnawati; Rosana Eri Puspita; Anwar M Radiamoda
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5396

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Central Java continue to face challenges in managing digital marketing, particularly in terms of technological capability, access to funding, and market competitiveness. Although digital platforms provide broader market opportunities, many MSMEs still struggle to implement digital marketing strategically and sustainably. This study aims to identify the key drivers of digital marketing management among MSMEs and examine the structural relationships among these drivers within a systemic framework. The study employed a qualitative approach using Soft Systems Methodology (SSM) with CATWOE analysis and prospective analysis through the MULTIPOL method. Data were collected through focus group discussions involving stakeholders from the MSME digital marketing ecosystem in Central Java. The findings reveal that national and municipal regulations, funding support, technical IT support, product quality, and product diversification are the main factors influencing digital marketing performance. In addition, education-based strategies, digital marketing training, and product development were identified as the most influential strategic actions in strengthening MSME competitiveness. The study concludes that effective digital marketing management requires integrating institutional support, digital capability development, and market-oriented product strategies. These findings provide practical insights for policymakers and MSME actors in designing more adaptive and sustainable digital marketing strategies.