Jurnal Aplikasi Manajemen, Ekonomi dan Bisnis

Information Technology and Its Role in Enhancing the Quality of Banking Services

Noor Hashim Mohammed , Hamid Mohsin Jadah — Thu, 30 Oct 2025 00:00:00 +0000

The aim of this research is to measure the impact of information technology on the quality of banking services. The research problem is centred around assessing how information technology contributes to the development of banking service quality. A questionnaire was used as the primary tool for data collection, with 100 forms distributed among a sample of customers and employees from banks operating in Babylon Governorate. The collected data was analyzed using the statistical software (SPSS).

The study reached a set of conclusions indicating that various dimensions of information technology—namely human resource skills, databases, communication networks, and software—significantly influence the enhancement and development of banking service quality. The study recommends that banks should place greater emphasis on continuously developing their information technology capabilities due to its vital role in improving banking services.

This research is of particular relevance to bank management and decision-makers, as it highlights the importance of information technology and its role in strengthening banking services, ultimately contributing to increased customer loyalty.

Moderating Effect of Inflation on the Relationship between Pricing Strategies and Profitability of Small and Medium Scale Enterprises (SMES) in Kano Metropolis, Nigeria

Fatima Ahmad Nuhu, Garba Yakubu, Hafsat Bukar Adamu, Abubakar Musa — Thu, 30 Oct 2025 00:00:00 +0000

The study examined the moderating effect of inflation on the relationship between cost based, value based and competition-based pricing strategies and profitability of small and medium scale enterprises (SMEs) in Kano Metropolis. A cross-sectional survey research design was employed. Target population of the study is 594 SMEs, registered across ten industrial estates in Kano. A sample of 239 SMEs was selected using Taro Yamane formula using Cluster sampling technique. Data were collected through a structured questionnaire, and analysed using SPSS version 21 for preliminary studies and Smart PLS 4.0 for Structural Equation Modelling (SEM). The study examined three pricing strategies (cost-based, value-based, and competition-based) and their relationships with profitability, moderated by inflation. Inflation significantly moderates the relationship between competition-based pricing and profitability (β=-0.306, p<0.05) and value-based pricing and profitability (β=0.151, p<0.05), but not between cost-based pricing and profitability. Implications for SMEs include optimizing cost-based pricing, enhancing market research for value-based pricing, and adapting strategies to inflationary pressures. The study recommends that policy makers support SMEs by providing resources for market research and competitive analyses and strategies can help SMEs optimize their pricing strategies, improve profitability amidst changing economic conditions in Kano Metropolis.

The Contribution of Islamic Banking on Investment for Economic Development in Malaysia: Pathways for Nigeria

Akilu Aliyu Shinkafi, Sani Yahaya, Shuaibu Umar Gokaru, Armayau Alhaji Sani — Thu, 30 Oct 2025 00:00:00 +0000

This study aims to investigate the contribution of Islamic banking to investment for economic development in Malaysia and to explore potential pathways for economic development through Islamic banks in Nigeria, drawing on Malaysia as a model. We employed a qualitative approach using a face-to-face interview technique for the data collection. The sample size of twelve (12) participants from Islamic banking experts, investment experts, and economic development experts was engaged. The data was analysed using a thematic and descriptive analysis. The outcome of the study revealed that Malaysia incorporated foreign banks and foreign investors mostly from the Middle East region. Additionally, several Malaysian Islamic banks engaged in offshore investments in neighbouring countries such as Indonesia and Thailand. However, Malaysian Islamic banks are not proficient in engaging in shipping investment; they prefer to go to the safe zone. Furthermore, the results show that Islamic banks in Malaysia are beyond profit and loss sharing investment accounts (PSIAs). The data shows that the system has the potential to support Islamic capital market investment, Islamic micro-investment, business investment accounts, Islamic gold investment accounts, agricultural investment, and an Islamic microfinance model for the benefit of micro-entrepreneurs, small-scale farmers, and SMEs for economic development. The study has practical and economic implications for the contemporary Islamic finance stakeholders, Islamic bankers, Islamic economists, real estate investors, shipping investors, offshore investors, and Islamic micro-investors

Pengaruh Islamic Branding, Islamic Advertisting, Labelisasi Halal Dan Halal Lifestyle Terhadap Keputusan Pembelian Kosmetik Wardah Di Platform Tiktok Shop

nira andeza, Arifah Hidayati, Sintia Safrianti — Thu, 30 Oct 2025 00:00:00 +0000

This quantitative study investigates how Halal Labeling, Halal Lifestyle, Islamic Branding, and Islamic Advertising influence purchase decisions for Wardah Cosmetics on the TikTok Shop platform. The research targets customers who have purchased Wardah products via TikTok Shop. Using Hair’s formula (n × 5), with 25 indicators, the required sample size is 125 respondents—considered sufficient to represent the population. Purposive sampling was used as a sample approach to gather data from respondents' responses to the questionnaire (Google Form). Multiple linear regression analysis and the SPSS 25 computer tool's t-test and f-test for hypothesis testing are the methods of analysis employed. The study's findings indicate that (1) Islamic Branding significant effectonpurchasing decisions for Wardah Cosmetics on the Tiktok Shop Platform. (2) Islamic Advertising has a significant effect on purchasing decisions for Wardah Cosmetics on the Tiktok Shop Platform. (3) Halal Labeling has an effect on purchasing decisions for Wardah Cosmetics on the Tiktok Shop Platform. (4) Halal Lifestyle has an effect on purchasing decisions for Wardah Cosmetics on the Tiktok Shop Platform. (5) Islamic Branding, Islamic Advertising, Halal Labeling and Halal Lifestyle on purchasing decisions for Wardah Cosmetics on the Tiktok Shop Platform together have simultaneous influence.

Factors Influencing Employability of Accounting Graduates in Oman: A Study of Skills Gaps, Employer Expectations, and Market Readiness

Thu, 30 Oct 2025 00:00:00 +0000

This study explores factors influencing employability of accounting graduate in Oman focusing on the impact of employers’ expectations, market readiness, social mobility skills, soft skills and technical skills. Using a structural questionnaire of 5-likert scale, the study collected data from 490 Accounting Graduate across Oman. The research data was analyze using SEM-PLS and the empirical findings confirms that employer expectation and technical skills show a not significant relationship with the dependent variable i.e. employability of accounting graduate while market readiness, social mobility, and soft skills are found to be significant and positively related to employability of accounting graduate in Oman. This result demonstrates the role of social mobility and soft skills in developing countries like Oman where employment opportunities ties to political connection and nepotism. The study concludes that higher education institutions in Oman should deployed a soft and market focused skills into curriculum and collaborate with industries to reduce the gap between employers’ expectations and graduate opportunities.

Manajemen Media Relations Hotel the Rinra dalam Meningkatkan Citra di Kota Makassar

Agnes Aprianti Bahara, Aprialia Shalsabila Ahmad, Nur Afrijal, Soraya Firdausy — Thu, 30 Oct 2025 00:00:00 +0000

The era of globalization opens up significant opportunities in the rapidly growing hospitality industry and contributes to the country's foreign exchange. Hotel The Rinra Makassar, a four-star hotel with unique Pinisi-style architecture and premium amenities, faces intense competition in the tourism sector. To maintain a positive image and reputation, the hotel implements an integrated marketing communications strategy, emphasizing media relations as a means of strengthening brand exposure and building good relationships with the public through mass and digital media. This research used a qualitative descriptive method with a case study approach at Hotel The Rinra Makassar. Data were obtained through in-depth interviews with Marketing Communication staff, direct observation of promotional and media relations activities, and documentation in the form of press releases, advertisements, and media publications. The data analysis technique consisted of data reduction, data presentation, and conclusion drawing and verification. Validity was maintained through triangulation of sources, techniques, and member checks. The Rinra Hotel implements an integrated marketing communications strategy that includes advertising, sales promotion, public relations, personal selling, and direct marketing. Advertising is conducted through print, online, and Instagram media to strengthen brand awareness. Sales promotions in the form of discounts and bundling packages successfully increased reservations. Public relations is a key pillar, marked by positive coverage in Tribun Timur, Fajar, Herald Sulsel, and collaboration with influencers. Personal selling is carried out with corporate clients, event organizers, and prospective brides and grooms, while direct marketing utilizes social media and online travel agents. A personal, warm, and collaborative media relations strategy has proven to enhance The Rinra's image as a premium, modern, and socially conscious hotel. The Rinra Hotel's media relations management plays a significant role in improving its image in Makassar City. The implemented integrated marketing communications strategy is able to strengthen awareness, customer loyalty, and hotel occupancy. Positive media coverage and collaboration with influencers further strengthen the hotel's reputation as a premium hospitality institution that is adaptive, modern, and cares about the community.

Optimizing Job Creation and Solid Waste Management System

Sharifah Abdulazeez Hassan, Bilkisu Maijamaa, Chaku Emmanuel Shammah — Thu, 30 Oct 2025 00:00:00 +0000

Unemployment and solid waste management (SWM) are pressing challenges in Nigeria, with youth unemployment reaching critical levels and waste disposal practices straining environmental sustainability. This study explores the integration of job creation and SWM through a goal programming framework, aiming to address resource allocation, sustainability, and managerial decision-making. By leveraging the potential of integrated SWM, such as recycling and material recovery, this research identifies innovative pathways to transform waste into wealth, generate employment opportunities, and promote environmental conservation. Using secondary data from the National Bureau of Statistics (NBS) and Abuja Environmental Protection Board (AEPB), alongside stakeholder interviews, the study develops a multi-objective optimization model using goal programming approach. The results indicate that optimal allocation of resources in waste collection and recycling could create over 1,400 jobs, providing a practical solution to Nigeria's unemployment crisis while fostering sustainable waste management practices. This research underscores the need for stakeholder collaboration, policy reforms, and investments in infrastructure to maximize the dual benefits of job creation and environmental sustainability in the waste management sector.The findings have significant implications for policymakers and waste management stakeholders, offering a replicable framework to balance economic growth and ecological preservation.