e-Jurnal Universitas Islam Negeri Raden Mas Said
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Persepsi Risiko dan Pengetahuan terhadap Minat dalam Penggunaan Layanan Online-Only Bank (Bank Digital tanpa Offline Store)
Get PDFPenelitian ini bertujuan untuk mengetahui pengaruh antara persepsi risiko keamanan, persepsi risiko keuangan, dan pengetahuan terhadap minat penggunaan layanan perbankan syariah tanpa kantor fisik (online-only bank). Responden pada penelitian ini berjumlah 100 orag mahasiswa Universitas Islam Negeri (UIN) Raden Mas Said Surakarta. Metode pengambilan data dengan menggunakan kuesioner dengan pengolahan data menggunakan SPSS versi 23.0. Hasil penelitian menunjukkan bahwa persepsi risiko keamanan dan persepsi risiko keuangan tidak berpengaruh terhadap minat dalam menggunakan layanan perbankan digital, sedangkan pengetahuan berpengaruh positif dan signifikan terhadap minat dalam menggunakan layanan perbankan digital
Analisis Pengaruh Kepercayaan, Brand Ambassador dan Review Online Terhadap Niat Pembelian Ulang Pada Situs Tokopedia di Kabupaten Klaten
Get PDFThis research aims to determine the influence of trust, brand ambassadors and online reviews on repurchase intentions on the Tokopedia site in Klaten Regency. The population in this research is Tokopedia application users in Klaten Regency. The sampling technique in this research used non-probability sampling, with the type of sampling used being pursive sampling with a sample size of 96 respondents. The variables used in this research consist of two types of variables, namely independent (X) and dependent variables (Y). The independent variables in this research are trust, brand ambassadors, and online reviews. Meanwhile, the dependent variable used is repurchase intention. The data analysis method used is the multiple linear regression analysis method. Data processing uses the IBM SPSS Statistics application. The research results show that the variables of trust and online reviews have a positive and significant effect on repurchase intentions on the Tokopedia site in Klaten Regency. Meanwhile, the brand ambassador variable has no significant effect on repurchase intentions on the Tokopedia site in Klaten Regency
Pengaruh Citra Merek, Promosi dan Harga terhadap Keputusan dalam Membeli Produk Jejahits.id
Get PDFThe aim of this research is to analyze the significance of the influence of brand image, promotion and price on the decision to purchase Jejahits.id products among Jejahits.id consumers. The type of data used in this research is quantitative data with the data source used being primary data. The sampling technique used was purposive sampling with a total of 100 respondents. Data collection in this research used a questionnaire. The data analysis technique uses multiple linear regression analysis, t test, F test, and coefficient of determination test (R2). The results of this research obtained the equation Y = 1.92 + 0.306 X1 + 0.187 X2 + 0.618 X3+e. The t test results show that brand image has a significant effect on the decision to buy Jejahits.id products, promotion does not have a significant effect on the decision to buy Jejahits.id products and price has a significant effect on the decision to buy Jejahits.id products. The results of the coefficient of determination show that the brand image, promotion and price factors are 75.5% and the remaining 24.5% is influenced by factors outside the variables studied such as: service quality, location and product qualit
Pengaruh E-Service Quality Terhadap E-Customer Loyalty pada Aplikasi E-Banking Bank Syariah Indonesia (BSI)
Get PDFPenelitian ini bertujuan untuk mengetahui pengaruh e-service quality terhadap e-customer loyalty pada aplikasi e-banking Bank Syariah Indonesia (BSI). Penelitian ini menggunakan metode penelitian kuantitatif dengan mengumpulkan data melalui kuesioner dari pengguna aktif aplikasi e-banking BSI. Pengolahan dan analisis data menggunakan regresi linear sederhana melalui SPSS 24. Sampel dalam penelitian ini berjumlah 80 responden yang dilakukan dengan teknik insidental sampling. Variabel utama yang diukur melibatkan indikator e-service quality yaitu efficiency, fulfillment, system availability, privacy, responsiveness, compensation dan contact. Hasil dari penelitian ini menunjukkan bahwa e-service quality berpengaruh secara signifikan terhadap e-customer loyalty pada aplikasi e-banking Bank Syariah Indonesia (BSI). Temuan ini dapat memberikan panduan bagi BSI untuk meningkatkan aspek-aspek tertentu dalam e-service quality mereka guna memperkuat ikatan dengan nasabah. Implikasi praktis dari penelitian ini adalah memberikan kontribusi pada pengembangan pengelolaan layanan elektronik dalam industri perbankan syariah
Cara Menarik Minat Pelanggan Pada Layanan Gadai Emas Syariah Dari Pegadaian Syarah Melalui Strategi Pemasaran
Get PDFSharia pawnshops are non-bank financial institutions that operate in accordance with Sharia principles. This research aims to explore sharia gold pawn development strategies and relate them to existing theories, with a focus on SWOT analysis to formulate effective marketing strategies for sharia gold pawn products. Qualitative methods are used with the Sharia Pegadaian customer population. Through SWOT analysis, marketing strategies will be optimized by exploiting strengths and opportunities and minimizing weaknesses and threats
The Impact of the COVID-19 Pandemic on Banking Liquidity: A Case Study of Various Bank Types in Indonesia
Get PDFThis study aims to examine the condition of banking liquidity in Indonesia during the COVID-19 pandemic, utilizing linear regression to analyze factors influencing the liquidity of commercial banks in Indonesia from March 2020 to June 2023. The dependent variable used is the Loan Deposit Ratio (LDR), while the independent variables include Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non-Performing Loans (NPL-gross), and Credit Restructuring Ratio to total Credit. The results reveal that CAR has a significant negative effect on the liquidity of Regional Development Banks (BPD), State-Owned Enterprises (BUMN), Private Banks, and Overseas Bank Branch Offices (KCBLN). Conversely, ROA has a positive and significant impact on state-owned banks but is not significant for BPD, private, and KCBLN banks. The NPL ratio does not significantly influence liquidity across all types of banks. Credit Restructuring Ratio negatively affects BPD and positively affects KCBLN, but it does not have a statistically significant effect on State-Owned and Private Banks. This research is unique as it is the first to examine commercial banks in Indonesia during the pandemic, providing valuable insights into the factors affecting bank liquidity during this period. The findings highlight the importance of maintaining adequate capital and profitability to support bank liquidity, especially during economic crises
Determinants of wadiah bonus in sharia banks: Evidence from Indonesia
Get PDFResearch on wadiah bonuses within the context of Sharia banks remains an engaging issue in Islamic countries. This research aims to examine the impact of wadiah savings deposits, profit-sharing income, murabahah income, and Ijarah rental income on the distribution of wadiah bonuses to customers in Sharia banks. Employing a quantitative approach, this study utilizes secondary data from the monthly financial reports of PT Bank Syariah Indonesia covering the period from 2020 to 2023. The analysis is conducted using multiple linear regression. The findings reveal that wadiah savings funds do not significantly affect wadiah bonuses, indicating that changes in wadiah savings amounts do not impact the distribution of these bonuses. Profit-sharing income, however, has a significant effect on wadiah bonuses, suggesting that fluctuations in Wadiah bonuses are influenced by profit-sharing income. In contrast, Murabahah income does not significantly affect wadiah bonuses, indicating that changes in Murabahah income do not impact the distribution of these bonuses. On the other hand, Ijarah income has a significant effect on wadiah bonuses, demonstrating that variations in Ijarah income influence the distribution of wadiah bonuses
Strengthening Productivity: Role Analysis of Workload, Compensation, Work Environment, and Work Discipline
No full textExamine the relationship between workload, compensation, and work environment on work productivity, taking into account the role of work discipline as a mediator. This study applies quantitative approaches and survey methods to assess the impact of workload, compensation, and work environment on work discipline and work productivity. Likert questionnaires 1 to 5 were used as a comprehensive research instrument. Data was collected from 147 respondents at various levels within several companies. Data analysis uses Structural Equation Models (SEM) with the help of AMOS software to identify relationships between independent and bound variables.The results of the analysis showed that the relationship between workload and work discipline was not significantly confirmed. Likewise, the relationship between compensation and work discipline was also not significantly confirmed. However, there is significant confirmation that the work environment has a positive effect on work discipline. In addition, there is significant confirmation that work discipline has a positive effect on work productivity. The results of the analysis suggest that a focus on workload management and compensation may not be significant in improving employee discipline and productivity. The implication is that it needs to be focused on creating a supportive work environment, as well as paying attention to and strengthening work discipline in human resource management strategies to increase overall productivity
THE THE ROLE OF THE STATE IN FOSTERING RELIGIOUS HARMONY IN INDONESIA: A HISTORICAL REVIEW, CHALLENGES, AND POLICY TOWARDS MODERATION
No full textThis article explores the concept of moderation held by the State through the program run by the Ministry of Religious Affairs named Moderasi Beragama (Religious Moderation). The discussion consists of religious moderation throughout history of Indonesia, highlighted it as a moderate approach supported and organised by the state, including its strategies and challenges. This qualitative research uses content analysis as an analytical method of collecting data from primary and secondary sources. The study showed that Religious Moderation was campaigned by the State through several programs, strategies and a similar proposed agenda started even from the New Order era to the disruption era. Constructed by the multi-religious theological concept of moderation and strengthened by the State constitutional basis, the program met challenges that should develop some strategies to implement religious moderation effectively and efficiently. Although radicalism has not been completely eradicated, at least the state has committed to fostering religious harmony and moderation through inclusive state policies and collaborative efforts with various religious and community stakeholders
Cultural Heritage And City Branding: The Role of Masjid Agung Kubah Timah in Pangkalpinang
Get PDFBangka Island is famous as the largest tin producer in Indonesia. It has a distinctive history, culture, and religious diversity while upholding tolerance. However, the existence of tin on Bangka Island is not so felt as a symbol or characteristic in Pangkalpinang City as the Capital of the Province of Bangka Belitung Islands. Establishing the Great Mosque of the Tin Dome is currently the city branding of Pangkalpinang City. This study examines how the combination of resources, history, culture, and customs can become city branding. This research uses a descriptive qualitative method. Where the concentration of theoretical focus used is the development of a three-dimensional theoretical model that examines important elements in determining the elements, measurements, and equity of city branding. The data sources are obtained from interviews, secondary data, and also photographs of documentation. The results of the study show that the Great Mosque of the Tin Dome has met the requirements of city branding, namely 1) city brand elementshave met the history, process, graphics, and symbols; 2) city brand measurement is a process that starts from discussion, planning, narrative analysis, and visuals in its construction; and 3) city brand impact is very much felt by the identity, social and economic impact of the mosque's presence