cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Indra Surya Permana
Contact Email
awatara.res@gmail.com
Phone
+6285224708332
Journal Mail Official
awatara.res@gmail.com
Editorial Address
Jl. DR. Cipto Mangunkusumo No.29, Kesambi, Kec. Kesambi, Kota Cirebon, Jawa Barat 45132
Location
Kota cirebon,
Jawa barat
INDONESIA
DFAME Digital Financial Accounting Management Economics Journal
Published by Awatara Publisher
ISSN : -     EISSN : 30251079     DOI : https://doi.org/10.61434/dfame
Core Subject : Economy, Science, Education, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other
DFAME Digital Financial Accounting Management Economics Journal is an interdisciplinary publication that examines the impact of digital transformation on finance, accounting, management, and economics. The journal explores how digitalization affects business practices and the economy, including digital strategies for efficiency and competitiveness. It also considers economic changes like market shifts and workforce effects due to digitalization. Notably, the journal is bilingual, accepting articles in English and Indonesian, aiming to be a resource for academics, professionals, and decision-makers addressing technological challenges. DFAME encourages interdisciplinary collaboration and innovative research in these fields, publishing three times a year through AWATARA Publisher in Indonesia since 2023. The journal comes out three times a year, in February, May, August, and November.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol 3 No 3 (2025): AGUSTUS" : 5 Documents clear
Pengaruh Layanan Mobile Banking Terhadap Loyalitas Nasabah Rizki Chaerunisa, Danya; Pranata, Sudadi; Laily Purnamasari, Dewi
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 3 (2025): AGUSTUS
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i2.293

Abstract

This study aims to analyze the effect of mobile banking services on customer loyalty in Indonesia's state-owned banks (BUMN). Mobile banking is a form of digital innovation that offers convenience, efficiency, and speed in banking transactions. Using a quantitative approach, data were collected from 100 respondents who are active users of mobile banking services from BUMN banks via an online questionnaire. The results of the regression analysis indicate that mobile banking services have a positive and significant effect on customer loyalty, with a coefficient value of 0.319 and a significance level of 0.000. This finding suggests that the higher the perceived quality of mobile banking services, the greater the customer loyalty. The study supports the Expectation Confirmation Theory (ECT) and provides practical contributions for bank management in developing digital service strategies oriented toward customer satisfaction and loyalty. This research also opens opportunities for further exploration of mediating variables such as customer satisfaction or trust to gain a deeper understanding of loyalty-building factors in the digital banking era. 
Pengaruh Perkembangan Kerupuk Emping Diera Digital Terhadap Kepuasan Pelanggan Di Kota Cirebon Yahya, Irfan; Pranata, Sudadi; Fauzi, Feri
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 3 (2025): AGUSTUS
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i2.295

Abstract

This study aims to analyze the effect of the development of digitalized emping (traditional crackers) on customer satisfaction in Cirebon City. The background of this research lies in the growing digitalization of SMEs, including traditional food products like emping. This study employs a quantitative approach using a simple linear regression method. The sample consisted of 100 respondents who are online customers of emping. The results show that the digital development of emping has a positive and significant effect on customer satisfaction, with a coefficient value of 0.490 and a significance level of 0.000. This indicates that the better the digital transformation implemented by emping producers, the higher the customer satisfaction. The findings support Oliver’s (1997) customer satisfaction theory, emphasizing the match between expectations and perceptions of service performance. This study offers practical implications for SMEs to improve their digital strategies to retain customer loyalty and provides academic contributions to extending customer satisfaction theory in the context of traditional local products. 
Mengintegrasikan Keunggulan Operasional dan Orientasi Pasar: Kerangka Konseptual untuk Meningkatkan Kinerja Organisasi Hartoyo, Hartoyo
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 3 (2025): AGUSTUS
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i3.314

Abstract

This conceptual paper explores the integration of operational excellence and market orientation as complementary drivers of organizational performance. Operational excellence emphasizes efficiency, reliability, and continuous improvement, while market orientation focuses on responsiveness, customer value creation, and external adaptability. Although these constructs have traditionally been studied separately, their integration provides a more comprehensive understanding of how organizations can sustain competitive advantage. Drawing upon dynamic capabilities, ambidexterity, and resource-based perspectives, the study develops a conceptual framework that highlights the synergies between efficiency and responsiveness. The results reveal that operational excellence strengthens a firm’s ability to reconfigure processes, while market orientation enhances sensing and seizing of opportunities. Together, they form higher-order capabilities that enable resilience in dynamic environments. The framework also emphasizes the role of leadership, organizational culture, and cross-functional collaboration in achieving effective integration. Additionally, the study highlights potential tensions, such as rigidity from excessive efficiency or inefficiency from excessive responsiveness, and proposes strategies to balance them. The paper contributes theoretically by synthesizing fragmented literature streams and offering testable propositions for future research. From a managerial standpoint, it provides guidance for embedding customer intelligence into operations and aligning performance metrics with both efficiency and market responsiveness. The findings underline integration as a critical frontier in management scholarship and practice.
Pengaruh Kebijakan Manajemen Keuangan Dan Inflasi Terhadap Kinerja Keuangan Pada Pt. Bank Tabungan Negara (Persero) Tbk Izzati, Nur Izzati; Saroni, Wahid Hasim Saroni; Hendraliany, Srie Hendraliany; Putri, Suci Nadiya Putri
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 3 (2025): AGUSTUS
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i3.319

Abstract

Since the covid pandemic in 2019, the global economic conditions have experienced significant pressure such as decreased economic activity, as well as disruption of cash flow and liquidity. The impact of the pandemic pressure is felt mainly by the banking industry. However, based on OJK data at the end of 2020, conventional commercial banks with total assets of IDR 8,386 and based on Bank Indonesia, it can be seen that the amount of DPK has increased to IDR 6,665,390 billion in December 2020. Therefore, it is necessary to conduct a profitability ratio analysis that supports financial performance which is proxied by Net Interest Margin (NIM) by testing other financial variables that are indicated to be control variables such as Loan to Deposit Ratio (LDR) and Inflation. This study aims to understand the effect of Loan to Deposit Ratio (LDR) partially on Net Interest Margin (NIM) and see the effect of inflation partially on 1Net Interest Margin (NIM) and understand the simultaneous effect of Loan to Deposit Ratio (LDR) and inflation on Net Interest Margin (NIM) at PT. Bank Tabungan Negara (Persero) Tbk. The research method used is descriptive statistical analysis with a quantitative approach. The data used is secondary data. Testing of research variables was conducted using multiple linear regression analysis method, t-test, F-test, and coefficient of determination (R2) test. Based on the calculation results using SPSS 29.0.1, it was concluded that the hypothesis that the Loan to Deposit Ratio (LDR) and Inflation simultaneously have a significant effect on Net Interest Margin (NIM) Ha is accepted, Ho is rejected. However, partially (t-test) the Loan to Deposit Ratio (LDR) does not have a significant effect on Net Interest Margin (NIM) while Inflation has a significant effect on Net Interest Margin (NIM).
Analisis Penerapan Sistem Informasi Manajemen (SIM) Dan Kebijakan Umum Tata Ruang Dalam Meningkatkan Pertumbuhan Ekonomi Di Kabupaten Purwakarta Puspasari, Dewi Puspasari; Sukemi, Sukemi; Ismali, Dicky Taopik Ismali
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 3 (2025): AGUSTUS
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i3.320

Abstract

This research aims to analyze the Application of Management Information Systems and General Spatial Planning Policies in Increasing Economic Growth in Purwakarta Regency. This research uses descriptive qualitative methods. The data sources in this research were obtained from field observations, interviews with sources and existing documentation. This research data analysis method uses data triangulation, the researcher combines data from observations, interviews and documentation and then makes conclusions. The research findings show that the implementation of the management information system in Purwakarta district is quite effective and efficient, although there are still several obstacles, but they can be overcome with the solutions offered. The description of spatial planning policies in Purwakarta district itself is in accordance with the characteristics and potential that exist in each region. Economic growth in Purwakarta district has increased every year in a better direction, even though in 2020-2021 it was hit by the Covid-19 pandemic, but economic conditions in Purwakarta district have returned to stability to date. 

Page 1 of 1 | Total Record : 5

 1 

Filter by Year

2025 2025


Reset
Filter By Issues
All Issue Vol 4 No 1 (2026): FEBRUARI Vol 3 No 2 (2025): MEI 2025 Vol 3 No 1 (2025): FEBRUARI 2025 Vol 3 No 4 (2025): November Vol 3 No 3 (2025): AGUSTUS Vol 2 No 4 (2024): NOVEMBER 2024 Vol 2 No 3 (2024): AGUSTUS Vol 2 No 2 (2024): MEI Vol 2 No 1 (2024): FEBRUARI Vol 1 No 2 (2023): NOVEMBER Vol 1 No 1 (2023): AGUSTUS More Issue