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The purpose of this paper is to investigate whether colours as stimuli can affect underwear choice based on consumers’ EEG recording as biological response to elicit preferences towards underwear products. The study employs applications of neuroscience methods to analyse the physiological choice process. Twenty underwear buyers were asked to evaluate several underwear colours (red, white, blue, brown, grey and black) by using wireless EEG headset with 6 channels to collect EEG signals from participants’ frontal, temporal and occipital brain areas that can give us a measure to estimate consumers’ choice. The result indicated there was a clear and significant change (p < 0.05) of EEG brain waves activities of right and left hemisphere in the frontal (F3 and F4), temporal (T7 and T8), and occipital (O1 and O2) brain areas when participants indicated their preferred colour. Additionally, based on the results female consumer prefers underwear which has red colour while male consumer prefers white colour. This research would essentially contribute in enriching marketing research method by using more advanced experimental designs rather than traditional marketing research methods.

Purpose – The purpose of this paper is to explore the implicit and explicit attitude toward Islamic bank and how it influences desire to saving at an Islamic bank. Although the Islamic bank system has been experiencing rocket growth worldwide, but the development in Indonesia is still unsatisfying. The penetration is very low compared to the conventional bank system. Consumer attitude is one of the most important variables that need to be understood to develop effective intervention. Although extensive research has been carried out on consumer attitude in the Islamic bank context, no single study adequately elaborates on implicit attitude. Design/methodology/approach – A sample of 423 respondents was taken to represent the middle-class employee segment. A set of questionnaires consisting of four sections was administered to respondents. The first section is a paper-based implicit attitude test, which collected data using a face-to-face interview, and the rest was self-reported. Data were analyzed using descriptive, analysis of variance and multiple regression analysis. Findings – Analysis of the data shows that the implicit attitude toward Islamic banks in Indonesia is relatively lower than the explicit attitude. In addition, Islamic bank usage pattern and religion have a significant relationship with implicit attitude. While implicit attitude is relatively stable, explicit attitude significantly differs according to age and marital status variables. Finally, this study shows that implicit and explicit attitude simultaneously determine desire to saving at an Islamic bank. Originality/value – The paper extends the literature by exploring and highlighting the importance of implicit attitude in the study of Islamic consumer behavior. It also gives deeper understanding to Indonesian middle-class employee saving behavior, which has huge potentials, and helps Islamic bank practitioners to develop a set of strategies to tap the market.

The study attempts to ascertain the determinants of nonperforming loans in National Bank of Commerce. Data was collected from 152 respondents. Tables, percentages, mean and standard deviation were used to analyze data. Data collection methods adopted for the study were interview, questionnaire and documentary evidence. Interest rate, GDP, concentration of lending activities, bank’s loan supervision capacity and economic condition were investigated, and the results suggest that interest rate, GDP, bank’s loan supervision capacity and economic condition influence the level of NPLs. However, the results did not suggest that concentration of lending activities increase the level of NPLs.   The study suggests that banks should put in place a vibrant credit process that ensures proper customer selection and risk identification, robust credit analysis, proactive monitoring and clear recovery strategies for bad loans, formulate clear policy framework that addresses issues of ethical standards and check and balance credit process, organizational capacity enhancement of banks, deliberate effort to develop credit culture for managing loans ,and ensure prudent policies that govern bank loans. Since the results for this study were encouraging, the researcher encourages replicating the study for other lending institutions. In order to extend the literature on non-performing loans, the researcher suggested incorporating models of Golem effect, Social loafing, Inverted pyramid effect, Pollyanna effect and High default culture effect.  Also, basing on the merits of the study, the researcher suggests determining relationship between non-performing loans and loan size, collateral, credit culture, and credit management information system.

This study examines in detail the use of customer-based brand equity for a tourism destination (CBBETD) as a strategic tool for use with a specific city (Bandung City, Indonesia in this instance). The CBBETD scale developed by Konecnik (2005) and empiricized by Konecnik and Gartner (2007) was successfully adapted using qualitative and quantitative refinements for the city of Bandung. A sample of 400 visitors to Bandung was surveyed, and empirical psychometric assessment was run. The scale required minor adaptations but was found to be appropriate for use in this new context. The components of customer-based brand equity for a tourism destination were found to be: awareness, image, quality and loyalty. The successful adaptation of the scale is encouraging as it provides strategic insight on strengthening destination positioning in the minds of both current and future tourists. Managerial implications and suggestions for future research are provided.