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Bima Journal : Business, Management and Accounting Journal
Published by Perkumpulan Dosen Muda Bengkulu
ISSN : 27212971     EISSN : 2721267X     DOI : 10.37638/bima.1.1.1-9
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
BIMA Journal is a scientific communication media which is issued by PDM Bengkulu. It is the contribution to the development of social science, business, accounting, and economy which is divided into the English Language which contains research results, literature review, field cases, or concepts. BIMA Journal in a year published twice a year. Special editions in English can be issued required. The BIMA Journal fits well for researchers and academics who are inheriting the results of research, scientific thought, and other original scientific ideas. BIMA Journal publishes research papers, technical papers, conceptual papers, and case study reports. BIMA Journal is dedicated to researchers and academics intent on publishing research, scientific thinking, and other original scientific ideas. The article published in the BIMA Journal is the authors original work with a broad spectrum of topics covering Resources economics, Economic Business, Economic Management, and Accounting.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 148 Documents
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Analyzing Online Lending In The Islamic Economy: Ethical Challenges And Fintech Innovations In Indonesia Cahya Putri, Merly; Aeni, Nur; Sholekah, Aminatus
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.133-140

Abstract

Purpose: This study aims to analyze the opportunities and challenges in implementing Sharia-compliant online lending models within Indonesia's Islamic fintech ecosystem, with strategic recommendations for sustainable development.Methodology: A qualitative approach was used, combining literature analysis, interviews with industry players, and evaluation of regulations. The focus was on assessing Sharia compliance and exploring best practices from global Islamic fintech ecosystems. Results: The findings reveal significant potential for Islamic fintech in promoting financial inclusion, particularly for underserved communities. However, challenges such as low Islamic financial literacy and inconsistent regulatory oversight hinder progress. Findings: Sharia-compliant contracts like qard hasan, musyarakah, and mudarabah show promise in addressing ethical concerns and fostering financial sustainability. Originality: This research provides a comprehensive evaluation of Sharia-compliant online lending models in Indonesia, incorporating global best practices. Novelty: The study highlights the strategic role of maqashid sharia principles in creating ethical and transparent fintech solutions. Conclusions: Strengthened regulations, public education, and innovation in contract models are essential for sustainable Islamic fintech development in Indonesia. Type of Paper: Conceptual research.
A Systematic Literature Review of Artificial Intelligence In Detecting Fraud in Health Insurance Syahrudin, Muhammad
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.175-188

Abstract

Purpose: The purpose of this study is to find out how research on fraud in the world of health insurance is developing and how fraud can be detected. Methodology: The Systematic Literature Review (SLR) method was used by researchers to answer the Research Question (RQ) in this study Results: Research on fraud in health insurance has grown significantly over the past decade, several types of fraud often occur in health insurance such as Upcoding, fragmentation, repeat billing, fake reimbursement and the use of AI can help detect fraud  Findings: Artificial Intelligence can help detect fraud so that it can help prevent losses that will be experienced by the company. Novelty: Watase Uake software is used in this study's systematic literature review approach to examine global health insurance fraud from a variety of reference sources. Originality: This study provides an empirical analysis of how the role of Artificial Intelligence in detecting fraud and the development of research related to fraud in the world of health insurance. Conclusion: Research on fraud in health insurance has grown significantly over the past decade, several types of fraud that often occur in health insurance such as upcoding, fake reimbursement, repeat billing and fragmentation. the use of AI can help detect fraud and It is hoped that future research can examine how AI can evolve in detecting fraud. Type of Paper : Empirical research Paper
Exploring Pathways for Integrating Digital Economy with Traditional Industries: A Strategic Approach to Development and Growth Chen, Kecun; Sumartono, Eko
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.73-82

Abstract

목적: 이 논문은 디지털 기술을 기존 산업에 통합하기 위한 전략적 경로를 탐구하고, 디지털 경제의 혁신적 잠재력을 강조합니다. 방법론: 포괄적인 분석 방법을 사용하여 이 연구는 기술 도입 및 스마트 업그레이드, 프로세스 최적화 및 디지털 통합, 조직 재구조화 및 민첩성, 문화적 변화 및 디지털 사고방식, 전략적 파트너십 및 생태계 협업의 5가지 중요한 경로를 식별합니다. 결과: 기술 도입을 전략적 조직 및 문화적 변화와 일치시키는 것이 성공적인 디지털 혁신을 달성하는 데 필수적임을 보여줍니다. 결과: 이러한 경로가 어떻게 운영 효율성을 향상시키고, 혁신을 촉진하고, 역동적인 시장에서 경쟁 우위를 유지하는지 강조합니다. 참신성: 참신성은 기술, 조직 및 문화적 차원을 결합하여 디지털 혁신 과제를 해결하는 전체적인 접근 방식에 있습니다. 독창성: 산업이 지속 가능한 개발을 위해 디지털 경제를 활용할 수 있는 통합 로드맵을 제공하는 데 있습니다. 결론: 전체적인 접근 방식을 채택하면 성장과 장기적 경쟁력이 보장됩니다. 논문 유형: 전략적 개념 논문 Purpose: This paper aims to explore strategic pathways for integrating digital technologies into traditional industries, emphasizing the transformative potential of the digital economy. Methodology: Using a comprehensive analysis method, the study identifies five critical pathways: technological adoption and smart upgrades, process optimization and digital integration, organizational restructuring and agility, cultural transformation and digital mindset, and strategic partnerships and ecosystem collaboration. Results: Demonstrate that aligning technology adoption with strategic organizational and cultural shifts is essential for achieving successful digital transformation.Findings: Highlight how these pathways enhance operational efficiency, foster innovation, and sustain competitive advantage in dynamic markets.  Novelty: The novelty lies in its holistic approach, combining technological, organizational, and cultural dimensions to address digital transformation challenges. Originality: Lies in offering an integrated roadmap for industries to leverage the digital economy for sustainable development.  Conclusion: adopting a holistic approach ensures growth and long-term competitiveness. Type of paper : Strategic Conseptual Paper
Factors Affecting Employee Performance : A Case Study of PT. Bank Mandiri, Tbk In Baturaja Cluster, Oku District Kartini, Putu; Oktarina, Yetty; Efrianti, Rini
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.237-244

Abstract

Purpose: This study aims to analyze the factors affecting employee performance at Bank Mandiri, Tbk. Methodology: A quantitative descriptive method was employed, using a sample of 61 employees in the Baturaja cluster. Data were analyzed using multiple linear regression with SPSS 21. Results: The results reveal that work discipline, motivation, and facilities and infrastructure significantly influence employee performance. Conversely, the work environment does not significantly affect employee performance due to employees' high adaptability and ability to work effectively in diverse conditions. Findings: This study highlights that internal factors like discipline and motivation play a more critical role in enhancing employee performance than external factors like the work environment. Originality: This research provides insights specific to Bank Mandiri employees, offering practical implications for improving employee performance in banking. Novelty: The findings emphasize the reduced influence of external factors, such as the work environment, in highly adaptable teams. Conclusions: Work discipline, motivation, and infrastructure are key drivers of employee performance, while adaptability minimizes environmental influence. Type of Paper: Quantitative descriptive research paper.
Understanding The Influence Of Corporate Social Responsibility and Brand Image on Customer Loyalty, Using Customer Satisfaction as an Intermediary Factor Indriawati, Alfira Agustina
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.123-132

Abstract

Purpose: This research aims to examine the influence of corporate social responsibility (CSR) and brand image on customer loyalty, with customer satisfaction as a mediating variable. Methodology: A quantitative method with a survey approach was applied, using data collected through questionnaires distributed to relevant customers. Data were analyzed using Structural Equation Modeling (SEM) to test the relationships among the variables. Results: The findings reveal that CSR and brand image significantly affect customer satisfaction, which in turn enhances customer loyalty. Findings: Customer satisfaction plays a critical mediating role, linking the direct effects of CSR and brand image to customer loyalty. Originality: This research develops an integrative model that combines CSR, brand image, and customer satisfaction, offering a comprehensive perspective on their relationships. Novelty: The study highlights the mediating role of customer satisfaction, providing novel insights into how CSR and brand image contribute to loyalty. Conclusions: Companies should prioritize CSR initiatives and maintain a strong brand image to foster customer satisfaction and loyalty sustainably.Type of Paper: Empirical research paper.
Analysis of Halal Brand Image, Perceived Quality, And Brand Satisfaction On Wardah Consumer Purchase Intention Septyarini, Ermaya Harni; Sekarsari, Larasati Ayu
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.189-206

Abstract

Purpose: This study analyzes the effects of Halal Brand Image, Perceived Brand Quality, and Halal Brand Satisfaction on consumer purchase intention for Wardah products in Indonesia. Methodology: A quantitative survey method was used, with data collected through questionnaires distributed to Wardah product users. Structural Equation Modeling (SEM) with WarpPLS 7.0 was applied to test the relationships between variables. Results: The findings reveal that Halal Brand Image, Perceived Brand Quality, and Halal Brand Satisfaction significantly influence consumer purchase intention for Wardah products. Findings: The study highlights the critical role of maintaining a strong halal brand image, improving perceived quality, and fostering satisfaction to drive consumer interest in halal cosmetics. Originality: This study contributes to the literature on purchase intention for halal cosmetics in the Indonesian market, addressing gaps in understanding these variables. Novelty: The research explores the interplay between branding, perceived quality, and satisfaction in the halal cosmetics context. Conclusions: Practical insights are offered to Wardah and similar brands to craft effective marketing strategies that align with consumer expectations in the halal cosmetics industry. Type of Paper: Survey-based quantitative research paper.
Influence of Store Atmosphere, Promotion Applicatian and Product Display Towards Consumer Satisfaction Tomoro Coffee Bengkulu City Pratiwi, Rindi Intan; Yanti, Rina Trisna; Tambunan, Dennis Rydarto
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.83-93

Abstract

Purpose: This study aims to examine the impact of store atmosphere, promotion application, and product display on consumer satisfaction at Tomoro Coffee in Bengkulu City. Methodology: A quantitative approach was employed using questionnaires as the primary data collection tool. The study sampled 150 consumers of Tomoro Coffee in Bengkulu City. Results: The multiple linear regression analysis produced the equation Y = 1.454 + 0.325(X₁) + 0.240(X₂) + 0.411(X₃) + 2.837, showing a positive relationship between the three variables and consumer satisfaction. The determination coefficient (R²) of 0.640 indicates that 64% of consumer satisfaction is influenced by these factors, while 36% is attributed to other unexamined variables. Findings: The combined influence of store atmosphere, promotion application, and product display significantly affects consumer satisfaction, supported by an F value of 86.424 > 2.67 and a significance level of 0.000 < 0.05. Originality: This study provides insights into consumer behavior within the growing coffee shop culture in Bengkulu. Novelty: It highlights the importance of these factors in shaping customer satisfaction, specifically in a modern coffee shop context. Conclusion: Enhancing store atmosphere, promotions, and product displays can significantly boost customer satisfaction. Type of Paper: Empirical research paper . 
Effect Social Piety affect the Relationship between Public Service Quality and Community Satisfaction Andespa, Wira; Puteri, Hesi Eka
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.245-252

Abstract

The standard of an institution's public services has a big impact on its policy and direction in providing services. This study aims to compute the moderating impact utilizing social piety factors, that is, interaction patterns that elucidate the relationship between public service quality and public contentment. In this study, SEM PLS analysis was performed using the Warppls 8.0 analytical tool. A total of 161 respondents who were employed by the Bukittinggi City Dukcapil Service were selected via an incidental sampling technique. Research results show that knowledge management (KM) is positively impacted by public service quality, with a β value of 0.79 and a R^2 value of 0.62, both less than 0.05. This demonstrates that 62% of the influence of public services on community happiness may be attributed to this. The association between public enjoyment and the caliber of public services is somewhat mediated by the social piety variable. With a moderating contribution of KS to the influence of KPS on KS, the moderation effect coefficient value of 0.49 and the P-value of 0.01 are both less than 0.5. The R^2 value of 0.68 indicates an influence.
Impact of Halal Awareness On Intention Toward Halal Tourism: A Study On Generation Z Muslims In Bengkulu Romadon, Taufik; Hendri, Hendri; Parwito, Parwito
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.141-150

Abstract

Purpose: Identify the key factors influencing the travel intentions of Generation Z Muslims in Bengkulu to visit halal tourism destinations, using the Theory of Planned Behavior (TPB) model approach. The study targeted Generation Z Muslims residing in Bengkulu Province, with respondents selected through purposive sampling. Results: Indicate that the intention to visit halal tourist destinations is significantly influenced by factors such as attitudes, perceived behavioral control, subjective norms, and halal awareness. All of these independent factors were found to have a positive effect on travel intentions. Findings: Provide valuable insights for stakeholders in the tourism industry, especially in developing halal tourism products and services that cater to the specific preferences and needs of Generation Z Muslims. Originality : While TPB has been used in past studies, applying it to the context of halal tourism for Generation Z Muslims in Bengkulu is unique. The emphasis on halal awareness as a key influencing factor adds an innovative layer to the existing framework. These results can contribute to enhancing the marketing strategies of halal tourism destinations, ensuring their appeal to this demographic group. Conclussions: Attitude, perceived behavioral control, subjective norms, and halal awareness all significantly influence the intention of Generation Z Muslims to visit halal tourism destinations. Type of Paper : Empirical Research Article
Marketing Analysis of Rahn Products Through The Implementation Of Shariah Values In Increasing Customer Trust Agatha, Talitha Hardiyan; Handayani, Anita
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.277-283

Abstract

Purpose: This qualitative case study investigates the impact of sharia-based marketing strategies on customer trust in Rahn pawn products at Pegadaian Syariah in Gresik, Indonesia. Methodology: Employing purposive sampling, data were gathered through in-depth interviews, participant observations, and document analysis involving five staff members and eight customers. Findings and Results: Thematic analysis revealed that the application of sharia values—particularly transparency, justice, and ethical service—significantly enhances customer trust and loyalty. Transparency and continuous customer education were identified as the most influential factors, particularly among first-time users. While findings indicate a strong alignment between ethical marketing and customer confidence, the study is limited by its local scope and relatively small sample size. Novelty: Future research should explore comparative analyses across regions or institutions. Originality: This paper contributes to the growing literature on Islamic financial marketing by offering localized insights. Conclussions : underscores the need for tailored, value-based marketing strategies in enhancing engagement with Islamic pawnshop services. Type of Paper : Research Paper

Page 9 of 15 | Total Record : 148

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