Al Tijarah

Analysis of Service, Reputation, and Security Factors on Gen Z's Decisions to Use Islamic Mobile Banking with Islamic Financial Literacy as a Moderating Variable (A Study on Undergraduate Students in Bandar Lampung)

Evika Dela Puspita — 2025-12-08

This study aims to analyze the influence of Service Quality, Reputation, and Security on the Decisions of Generation Z Students to Use Islamic Mobile Banking, with Islamic Financial Literacy as a moderating variable. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected through a questionnaire using a five-point ordinal scale and a non-probability sampling technique involving 100 student respondents who use Islamic mobile banking. The findings indicate that Service Quality, Reputation, and Security have a positive and significant effect on Generation Z students’ decisions to use Islamic Mobile Banking. Furthermore, Islamic Financial Literacy also exerts a positive and significant influence on usage decisions and moderates the relationship between Service Quality and Decision-Making, but does not moderate the relationship between Reputation or Security and Decision-Making. These results suggest that high-quality service, a strong institutional reputation, and robust digital security systems are crucial factors in enhancing decisions to adopt Islamic mobile banking. Additionally, Islamic financial literacy strengthens the effect of service quality on usage decisions, as a deeper understanding of Islamic financial principles increases students’ trust and confidence in digital financial services that comply with Sharia principles.

Integration of Talent Management and Internal Marketing in Enhancing Public Service Quality

Marianus Jhonlibert Girsang — 2025-12-09

Organizational transformation in the public sector requires adaptive and service-oriented human resource management strategies. This study analyzes the integration of talent management and internal marketing as a strategic approach to enhancing public service quality. Using a qualitative literature review of 20 national and international articles published between 2020 and 2025, the analysis employed content analysis to identify key themes such as competency development, succession planning, and employee engagement. The findings reveal that talent management establishes the structural foundation of public organizations through merit-based recruitment, development, and retention systems, while internal marketing strengthens employee motivation and commitment through effective communication of organizational values. The integration of both approaches creates synergy at three levels: individual (competence and adaptive readiness), organizational (performance culture and leadership continuity), and public service (citizen satisfaction and trust). In conclusion, integrating talent management with internal marketing represents a strategic, value-based, and sustainable HR model for the public sector. These findings offer direction for bureaucratic reform toward more adaptive and competitive public service delivery.

The Role Of Islamic Finance In Improving Financial Inclusion Among The Lower-Middle Class In East Lampung

Pipit Afifah — 2025-11-09

Many low-income communities still lack access to formal financial services, even though financial inclusion is a key component in driving inclusive and equitable economic growth. In a predominantly Muslim society, Islamic finance offers a potential alternative because it operates based on the principles of fairness, transparency, and the prohibition of usury, which align with the community's religious values. This study aims to analyze the role of Islamic finance in increasing financial inclusion among lower-middle-class communities in East Lampung Regency. This study used a qualitative approach with descriptive methods, obtaining data through in-depth interviews, observations, and documentation studies with lower-middle-class communities and managers of Islamic financial institutions in East Lampung. The results indicate that Islamic finance plays a significant role in expanding public access to financial services through institutions such as Baitul Maal wat Tamwil (BMT) and Islamic cooperatives, which provide savings products, microfinance, and productive zakat and infaq programs. However, further efforts are needed to improve financial literacy, strengthen the infrastructure of Islamic financial institutions, and digitize Islamic financial services so that its benefits can be felt more widely and equitably

Effectiviness of Working Capital Management in Improving Liquidity and Profitabiliy at Obor Mas Credit Unior Head Office in Maumere

Gabriel Tanusi — 2025-12-11

The availability of working capital at the Obor Mas Credit Cooperative Head Office is an important factor in maintaining the smooth operation and liquidity of the cooperative. In addition, the availability of working capital is a determining factor in achieving profitability. This study aims to determine the effectiveness of working capital management at the Obor Mas Credit Cooperative Head Office from 2022 to 2024, measured using working capital turnover, liquidity, and profitability. The type of data used is quantitative data sourced from the balance sheet financial statements and calculation of the Obor Mas Credit Cooperative's remaining business results for 2022-2024. The data analysis technique used working capital turnover ratio analysis, liquidity ratio, and profitability ratio. The results of the study show that cash turnover is ineffective because cash utilization is not optimal (there is idle cash). Accounts receivable turnover is ineffective due to the existence of accounts receivable that are still in the hands of members. The cash ratio is unhealthy due to suboptimal cash management. The current ratio is very healthy because management is very good at managing current assets so that it can cover or meet all current liabilities on time. The return on assets (ROA) value trend tends to be stagnant and in the unhealthy category. This indicates that the cooperative's management's ability to manage its assets is not yet optimal, which has an impact on the acquisition of surplus income. The return on equity ratio trend has continued to decline. This indicates that the effectiveness of working capital management at the Obor Mas Credit Cooperative Head Office is still very low in generating surplus income.

Knowledgeable Leadership Amid Organizational Politics in the Struggle to Define Digital Transformation of MSME Human Resources

Djoko Prihatin — 2025-12-05

This study was conducted to determine the influence of loan amount and loan tenure on financing risk from the perspective of Sharia business. The research employed a quantitative approach. The population of this study consisted of PNM Mekaar customers in Jatimulyo Subdistrict, Jati Agung District. Data were collected using a purposive sampling technique involving 100 respondents. The criteria for respondents included being female, at least 20 years of age, and having been a customer for a minimum of one year. The analytical technique used was multiple linear regression to examine the relationship between the independent variables and the dependent variable, with the assistance of Smart-PLS 4 software. The findings indicate a positive and significant relationship between loan amount and loan tenure on financing risk within the Sharia business perspective.