Ilomata International Journal of Social Science
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AI-Driven Marketing Communication and Customer Satisfaction in Jakarta’s Digital Banks
Full text linkThe rapid integration of artificial intelligence (AI) has transformed digital banking practices, particularly through the adoption of hyper-personalised customer experiences. Despite this growth, comparative empirical evidence on how customers perceive AI-driven strategies across competing digital banks remains limited. This study investigates differences in customer perceptions of Integrated Marketing Communication (IMC), AI Personalization, Technology Acceptance Model (TAM) attributes, Kano needs categories, and overall customer satisfaction among users of three digital banks in Jakarta (Bank X, Bank Y, and Bank Z). A comparative quantitative approach was employed, involving 300 respondents selected through purposive and quota sampling. Data were analysed using descriptive statistics, ANOVA, and Tukey HSD tests. The findings indicate that Bank Y consistently achieves the highest mean scores across all constructs, reflecting strong perceptual leadership. Significant differences among the banks were confirmed, with further analysis revealing that TAM-related attributes and performance needs have become parity factors for certain bank pairs. In contrast, AI Personalization and excitement needs emerge as key differentiators. These results suggest that in increasingly mature digital banking markets, competitive advantage is no longer determined by basic functional performance, but by the ability to deliver proactive, contextual, and emotionally engaging AI-based experiences. This study contributes to the IMC, TAM, and Kano literature by highlighting a shift in customer expectations, where AI Personalization plays a central role in generating attractive quality and enhancing customer satisfaction
Trans Jatim Bus Service Innovation in Encouraging Mobility and Local Economic Growth in Bangkalan Regency
Full text linkThis study examines the innovative Trans Jatim bus service corridor 5 in promoting mobility and local economic growth in Bangkalan Regency. This topic is important considering the role of public transportation in supporting inter-regional connectivity and impacting the strengthening of the local economy. This study examines the contribution of innovative bus services to public mobility and regional economic growth. The novelty of this research lies in its approach that not only views transportation as a means of mobility but also as a strategic instrument of economic development, which has not been studied in depth in the context of Bangkalan Regency. This research method is descriptive qualitative with a case study approach and analyzed using Rogers' diffusion of innovation theory. The findings show that Trans Jatim bus services provide affordable, accessible, and modern facilities that have been positively evaluated by the public. Through Rogers' diffusion of innovation theory, the process of adopting this service involves the stages of knowledge, persuasion, decision, implementation, and confirmation. Most people accept this innovation due to cost and time efficiency, although there is resistance from traditional transportation drivers who are economically impacted. The success of this service improves the local economy and spurs sustainable innovation for the welfare of the people of Bangkalan Regency
Under Two Patriarchal Authorities? Subordination of Female Peacekeepers by Husbands and the State: A Feminist Critique
Full text linkThis research examines dual subordination of Indonesian female peacekeepers experiencing layered control from private institutions (family/husbands) and public institutions (state/military). Using critical feminist methodology through qualitative literature-based discourse analysis, this study applies feminist state theory and intersectionality analysis to reveal how the state instrumentalizes marriage institutions controlling female soldiers' professional autonomy. Findings indicate spousal permission requirements for peacekeeping assignments create dual ownership: women belong to husbands privately and the state publicly, making career advancement contingent on spousal approval rather than solely professional competence. Three operational mechanisms function: juridical domestication (codifying marital status as professional determinant), institutional collusion (domestic-military patriarchy collaboration), and internalized patriarchy (women accepting subordination systems). Comparative analysis reveals male soldiers face no equivalent requirements, perpetuating hegemonic masculinity. This study offers a new analytical framework conceptualizing dual ownership through three subordination mechanisms for understanding spousal-permission regulations in troop-contributing countries, advancing knowledge on domestic-institutional patriarchy intersections limiting women's peacekeeping participation
Budget Efficiency as a Regional Financial Management Strategy : (Case Study of the Central Kalimantan Provincial Government's Regional Budget)
Full text linkThis study aims to analyze the implementation of budget efficiency policies as a regional financial management strategy in the Central Kalimantan Provincial Government for the 2021–2025 period. The study focuses on budget trends and revenue realization, expenditures, efficiency ratios, and the performance of Regional Original Revenue (PAD) components. The research method used is a qualitative case study approach, involving documentation, in-depth interviews, and direct observation at relevant agencies, namely the Finance Bureau of the Regional Secretariat and the Central Kalimantan Provincial Development Planning Agency (Bappeda). The results show that although fiscal capacity has experienced significant growth, the percentage of expenditure realization remains below the ideal target, with efficiency ratios varying between 82.69% and 109.55%. Improved regional tax performance is the main factor in strengthening PAD, while regional levies and regional wealth management results still show low performance. The implemented efficiency policies have succeeded in saving non-priority expenditures without sacrificing basic service sectors, in line with the principle ofvalue for money And good governanceHowever, key challenges include limited human resource capacity, a suboptimal integrated budgeting information system, and bureaucratic resistance to budget restructuring. This research contributes theoretically to the literature on provincial-level budget efficiency and offers practical recommendations for other regions to optimize budget allocation, strengthen fiscal independence, and maintain the quality of public services sustainably
Social Influence and Price Values on the Behavior of Ruang Guru Application Users Mediated by Intention
Full text linkThis study investigates the effect of social influence and price value on the behavior of high school students in using the Ruangguru educational application, with behavioral intention as a mediator. The research addresses the gap in understanding the adoption of digital learning platforms among Indonesian students, where usage decisions are often driven by contextual rather than purely psychological factors. A quantitative approach using PLS-SEM was employed, with data collected from 277 respondents through validated questionnaires (Cronbach’s α > 0.7, AVE > 0.5), chosen for its ability to test both direct and indirect relationships simultaneously. Results indicate that price value has a significant positive effect on user behavior (β = 0.421, t = 5.312, p < 0.001, R² = 0.46), while social influence (β = 0.097, p > 0.05) and behavioral intention (β = 0.083, p > 0.05) do not show significant effects. Descriptive analysis also revealed that 72% of students reported high satisfaction, and 68% expressed willingness to recommend the app, although this intention did not translate into actual usage behavior. These findings highlight that affordability and perceived benefits outweigh peer encouragement or intention in driving adoption, reflecting students’ sensitivity to price-value alignment in digital learning. The study implies that educational technology providers should prioritize accessible pricing strategies, though further research is needed to integrate other UTAUT2 constructs for a more comprehensive understanding
Optimizing Financial Literacy and Financial Technology in Improving the Performance of Sasirangan MSMEs in Banjarmasin: The Role of Financial Management Behavior
Full text linkThis study examines the impact of financial literacy and the adoption of financial technology on financial management practices and the performance of Sasirangan MSMEs in Banjarmasin, highlighting the mediating role of financial management behavior. Although vital to the national economy, Sasirangan MSMEs face challenges in financial management and digital integration. The primary research question investigates how financial literacy and the utilization of financial technology influence financial management practices and overall MSME performance. By addressing a gap in the existing literature, this study analyzes the mediating role of financial management behavior between financial literacy, financial technology, and MSME performance, specifically within Sasirangan MSMEs. Utilizing a quantitative approach with PLS-SEM, data were gathered from 66 Sasirangan MSME owners in Banjarmasin. The findings demonstrate that financial literacy significantly impacts financial management behavior, which mediates the relationship between financial literacy and MSME performance. Furthermore, adopting financial technology enhances financial management behavior and MSME performance, with financial management behavior acting as a mediator. The study concludes that improving financial management behavior through financial literacy and technology adoption is vital for enhancing the performance of Sasirangan MSMEs. These results suggest that fostering improved financial management behavior is essential for promoting sustainable growth in local MSMEs. Future studies should examine external factors, such as government policies, that affect MSME financial management practices
Behavioral Patterns of Local Communities in Responding to Climate Change Challenges in Tourism in the Seribu Islands
Full text linkGlobal climate change has had a significant impact on the tourism sector, particularly in marine destinations that depend on the stability of coastal ecosystems. The Seribu Islands, as one of Indonesia’s prime tourism destinations, face serious threats such as sea-level rise, coastal erosion, ecosystem degradation, and an increased frequency of tidal flooding, all of which have implications for both environmental and economic sustainability of local communities. This study aims to identify and analyze the adaptive behavioral patterns of local communities in responding to climate change challenges to tourism. The research employed a qualitative approach with a case study design in four inhabited islands (Tidung, Pramuka, Pari, and Kelapa). Informants were selected through purposive sampling and included homestay owners, tour guides, tourism-related MSME actors, marine transport providers, community leaders, and environmental activists. Data were collected through in-depth interviews, participatory observation, and document analysis, and subsequently analyzed using thematic analysis. The findings reveal that local communities apply adaptation strategies across three main dimensions: (1) economic, through business diversification, digital innovation, and the utilization of local resources; (2) environmental, through ecosystem conservation, participatory waste management, and the efficient use of energy and water; and (3) socio-institutional, through collective action, strengthening of social networks, and collaboration with government, universities, and NGOs. These results underscore that successful adaptation is determined by the integration of economic, environmental, and social aspects, and is not uniform across the islands, with Pramuka Island demonstrating greater preparedness compared to the others. This research provides important implications for sustainable tourism development policies that are adaptive to climate change, emphasizing the need for policy support, institutional capacity building, and community participation in maintaining socio-ecological resilience in coastal areas.
Climate Change, Tourism, Community Behavior, Adaptation Strategies, Seribu Island
The Influence of Green Product Knowledge, Consumer Attitude, Consumer Trust on The Decision to Purchase Environmentally Friendly Products
Full text linkEnvironmental concern increasingly influences consumer choices for personal care products, yet a gap persists between green awareness and real purchasing behavior, especially among Generation Z. This explanatory quantitative study investigates the determinants of green purchase decisions for mercury-free, Centella asiatica–based natural skincare products among Generation Z students in Solo Raya. Using an integrated framework that combines the Theory of Planned Behavior and the Green Trust Model, the study tests whether both models function complementarily in explaining the roles of knowledge, attitudes, and trust in shaping consumer decisions. Data were obtained through an online five-point Likert survey (n = 125, purposive sampling) and analyzed using PLS-SEM (SmartPLS 3.3.2). Findings indicate that Green Product Knowledge has a significant negative effect on purchase intention (β = −0.376), suggesting that greater knowledge may heighten skepticism toward product claims or perceived complexity. Conversely, consumer attitude and consumer trust show positive and significant influences on purchase decisions, with attitude identified as the strongest predictor. This study offers novelty by focusing on the socio-culturally diverse Solo Raya region and by empirically integrating TPB and Green Trust constructs, demonstrating their complementary predictive capability. Theoretically, the results refine assumptions that knowledge automatically increases green buying behavior; practically, they suggest that natural skincare brands should balance factual education with persuasive communication that simplifies product understanding and strengthens brand credibility
Process, Strategy, and Contextual: The Deadlock Situation in The Negotiation for Resolving Conflict Between Russia and Ukraine (2022-2025)
Full text linkThe conflict between Russia and Ukraine escalated into a full-scale war following Russia’s invasion of Ukraine in 2022. Since then, both parties have engaged in several negotiation efforts aimed at resolving the conflict. However, from all those negotiations conducted none of them produce any agreement or any framework to resolve the conflict. This is seen by the researcher as a deadlocked situation within the negotiation. By using qualitative descriptive research with document analysis using Faure’s deadlock within negotiation framework, this research indicates that negotiation between Russia and Ukraine for resolving their conflict has reached a deadlocked situation. This research also found that several factors such as process, strategy, and contextual factor that are contributing to the deadlock situation within the negotiation. The findings suggest that these factors are creating a condition where during negotiations strategies adopted by both countries during negotiation and social, political, and legal pressure from within the countries makes them have very little maneuver during the negotiation, which creates a lack of any substantial agreement from the negotiation to resolve the conflict. This research contributes to the limited amount of discourse regarding the negotiation conditions that occurred between Russia and Ukraine for resolving their conflict, offering a new perspective by applying Faure’s indicators and factors such as Process, Strategy, and Contextual towards this issue
A Review of the Spiritual Marketing Model in the Context of Religion, Culture, and Organization
Full text linkSpiritual marketing is an alternative approach in marketing science that emphasizes the importance of religious values, culture and organizational spirituality in shaping the relationship between companies and consumers. This study aims to review related literature and develop a conceptual model of spiritual marketing that integrates three main dimensions: religious values as the source of ethical norms, local culture as the symbolic framework, and spiritual values in the organization as the operational foundation. Using the Stimulus-Organism-Response (S-O-R) framework, the study maps how these three elements act as a stimulus that shapes consumers' perceptions and emotional attachments, which in turn drive meaningful purchase decisions. This conceptual approach offers a theoretical contribution in expanding the scope of value-based marketing, as well as providing practical guidance for organizations looking to build authentic and sustainable brand loyalty. The study also recommends further research directions based on quantitative and qualitative approaches to test the validity of the proposed model in various social and cultural contexts