Profil Literasi Keuangan Islam Karyawan dan Nasabah Baitul Maal Wa Tamwil Daarut Tauhid Bandung

This study aims to determine the profile of Islamic financial literacy in employees and customers of Baitu-l-maal wa Tamwil Darut Tauhid Bandung. This research uses descriptive quantitative method with interval formula to determine the literacy level of the respondents. The data collection technique used a questionnaire to 121 respondents. The results of this study indicate that the profile of Islamic financial literacy among BMT employees and customers is moderate. The employee profile has an Islamic financial level of 0.76. The profile of the level of Islamic financial literacy shows that the level of behavior towards Islamic finance among employees is not in accordance with the knowledge and attitudes of employees in managing finances. The customer profile has an Islamic financial literacy level of 0.50. The level of customer Islamic financial literacy shows that the level of customer behavior towards Islamic finance is not in accordance with the level of customer knowledge and attitudes in managing finances.

Digital Transformation in Marketing through a Customer Knowledge Management Approach for Startups and SMEs: An EdTech Startup Case Study

Technologies are transforming marketing organizations; and exploiting the full potential of this transformation is one of the key challenges for startups and Small and Medium Enterprises (SMEs) requiring a holistic management approach towards Knowledge Management (KM) in the digital context. This paper addresses a central question from a resource-based perspective: how startups and SMEs with inadequate capabilities and limited resources drive digital transformation in marketing? Customer Knowledge Management (CKM) which integrates approaches from Knowledge Management and Customer Relationship Management (CRM) can play an important role towards this goal. This paper examines the evolving role of data sciences in relation to marketing for effective Customer Knowledge Management in startups and SMEs. Adopting a case study methodology in EdTech startup based in Egypt, this paper suggests technological tools that help startups and SMEs with limited resources and capabilities take advantage of data sciences in relation to marketing and extract valuable customer knowledge to improve CRM effectiveness. The case study also sheds some light on the relevant organizational factors that could help such organizations align the CRM business processes with IT infrastructure. This research provides some guidance, from an organizational perspective, to startups and SMEs in their digital transformation in marketing.

The impact of customer knowledge on the organizational performance: a system dynamics approach

PurposeThe purpose of this research was to model the impact of customer knowledge on the performance of organization with a focus on information technology industry. Furthermore, it is intended to analyze the effect of customer knowledge investment on the performance measures, by reviewing investment policies.Design/methodology/approachThe relationship between customer knowledge and performance measures was specified using literature review and grounded theory method. The system dynamics approach was then applied to analyze the impact of the customer knowledge on the performance measures.FindingsThis study provided a dynamic model on the causal relationship between customer knowledge and organizational performance. The results showed that measures such as product development, financial performance, idea generation, technical knowledge and knowledge maturity were affected by the customer knowledge while the relationship with customer loyalty and the number of customers was not proven. Besides, it was found that to increase the impact of customer knowledge on organizational performance, knowledge maturity was essential, and investing on customer knowledge without investing on knowledge maturity would reduce the organizational performance. The results also showed that more knowledge investment would not necessarily increase financial strength of the organization.Practical implicationsResults of this study could be useful for strategy formulation and deployment especially for IT-based companies showing the importance of investment on customer knowledge on the one hand and the knowledge maturity in the organization on the other hand.Originality/valueIn this research, the impact of customer knowledge on both financial and nonfinancial performance measures was studied showing new findings on the dynamism of their relationships.

Serial Multiple Mediation of the Impact of Customer Knowledge Management on Sustainable Product Innovation by Innovative Work Behavior

Customer knowledge management (CKM) is a relatively new research domain, aiming at exploring the potential of customer knowledge for the open innovation process of companies. The present paper aims at performing a complex analysis of the serial mediation phenomenon of the impact of CKM on sustainable product innovation (SPI) by innovative work behavior (IWB). The dimensions considered for IWB in the present research are the following: idea exploration, idea generation, idea championing, and idea implementation. In the first phase of our research, we performed a semantic analysis of the main concepts, ideas, and theories, based on a critical literature review. Thus, we reached a deeper understanding of the complexity of the concept of knowledge by learning the theory of knowledge fields and knowledge dynamics. As a result of this conceptual phase, we designed the research model and a questionnaire to be addressed to managers from the business environment. In the quantitative phase of the present research, we used the statistical software packages, SPSS version 26.0, and the PROCESS macro for SPSS, version 3.5. We used well-known criteria for reliability, validation, and interpretation of the numerical results. The final results demonstrate a significant serial mediation phenomenon regarding the impact of CKM on SPI by the IWB. These results are important in developing the co-creation process of new products by using customer knowledge. The present research reveals some original ideas concerning the impact of CKM on SPI by using a serial mediation process performed by basic innovative work dimensions. The implications of the present research are significant for both academics and practitioners in designing open innovation in knowledge ecosystems.

The impact of customer knowledge management, TQM and marketing capabilities on product innovation performance of Malaysian SMEs: an empirical study

Purpose Several strategies and processes can help companies to enhance the success rate of new products. This study aims to identify a few strategies for that purpose represented by total quality management (TQM) practices, building knowledge and capabilities. Moreover, the current paper discusses the role of applying TQM practices and customer knowledge management in developing the marketing capabilities of the organizations. Design/methodology/approach This study is a quantitative approach where the data collected from 141 manufacturing small and medium enterprises operating in Malaysia and partial least squares technique was used to test the hypotheses. Findings The findings of this study highly support all the proposed hypotheses and establish marketing capabilities as a facilitator in the relationship between TQM practices, customer knowledge management and product innovation performance. However, customer knowledge management and TQM were found not to have an impact on product innovation performance. Originality/value The introduced model contributes to enhancing the understanding of the impact of customer knowledge on the success of product innovation performance. The model further includes TQM as a process that helps the organization get customer satisfaction information. The incorporation of these two processes will support the organization’s capabilities in the innovation field.