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Journal : Jurnal Ekonomi dan Bisnis

PENGARUH KUALITAS PRODUK TERHADAP KEPUASAN PENGGUNA DOMPET DIGITAL LINKAJA SYARIAH (PADA MAHASISWA PRODI PERBANKAN SYARIAH PRODI PERBANKAN SYARIAH ANGKATAN 2019 FAKULTAS EKONOMI DAN BISNIS ISLAM UIN SJECH M. DJAMIL DJAMBEK BUKITTINGGI) Muhammad Alghazali; Amsah Hendri Doni
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2024): September
Publisher : ADISAM PUBLISHER

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Abstract

This research was inspired by the extensive use of the LinkAja Syariah application by students enrolled in sharia banking courses at UIN Sjech M. Djamil Djambek Bukitinggi. This research seeks to determine and analyze the relationship between product quality and customer satisfaction using the LinkAja Syariah digital wallet. It is part of the Islamic banking program at UIN Sjech M. Djamil Djambek Bukitinggi. A quantitative technique is used in this investigation. One hundred and ten persons were surveyed for this study. At the same time, the data analysis method employs determinant coefficient (R2), simple linear regression analysis, and hypothesis testing (t test) to examine the relationship between dependent and independent variables. Research out of UIN Sjech M. Djamil Djambek Bukittinggi's sharia banking course reveals that the quality of the product significantly impacts customer satisfaction with the LinkAja Syariah digital wallet.
PENGARUH PERSEPSI NASABAH DAN KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH DALAM MENGGUNAKAN M-BANKING (STUDI KASUS PADA MAHASISWA JURUSAN PERBANKAN SYARIAH ANGKATAN 2019 UNIVERSITAS ISLAM NEGERI SJECH M. DJAMIL DJAMBEK BUKITTINGGI) Cynthia Suci Hati Faisal; Amsah Hendri Doni
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2024): September
Publisher : ADISAM PUBLISHER

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Abstract

The use of internet media among students studying Sharia Banking at the Sjech M. Djamil Djambek Bukittinggi State Islamic University has grown rapidly. However, the perception of students as bank customers is still lacking due to their limited knowledge regarding how to use m-banking and the lack of quality of service provided to customers. This research aims to determine the influence of customer perceptions and service quality on customer satisfaction in using m-banking. The research method used is quantitative, with data collection through observation and questionnaires. Data analysis techniques include correlation analysis, multiple linear regression analysis, t test and determinant test. The results show that there is a significant influence of customer perception and service quality on customer satisfaction, with a strong correlation and a large contribution.
PENGARUH PINJAMAN MODAL TERHADAP PENDAPATAN IBU RUMAH TANGGA JORONG LABUH LURUS NAGARI AIA GADANG BARAT KECAMATAN PASAMAN KABUPATEN PASAMAN BARAT : (STUDI KASUS : ANGGGOTA PROGRAM NASIONAL PEMBERDAYAAN MASYARAKAT (PNPM) Nadiatul Khaira Ismail; Amsah Hendri Doni
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2024): September
Publisher : ADISAM PUBLISHER

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Abstract

This research was motivated by Nagari Aia Gadang Barat, Pasaman District, West Pasaman Regency, which is a Nagari whose residents make their living as farmers, farm laborers and palm oil workers whose income is quite low. The majority of housewives take part in capital loans from PNPM to help their husbands increase their income to meet their family's needs. However, there are still many members of the National Community Empowerment Program (PNPM) community who do not use capital loans provided by PNPM to carry out productive businesses but rather to meet consumer needs, and members who have started doing business do not use these capital loans to develop their business but instead use them to other consumer needs. Finding out how much of an impact capital loans have on housewives' incomes in Nagari Aia Gadang Barat, Pasaman District, West Pasaman Regency is the driving force for this study. The research approach employed here is quantitative, and it makes use of a Likert scale questionnaire as its research instrument. A saturated sample of 40 respondents was used for this research. The research in this area makes use of a variety of tests for analysis, including those for instruments (validity and reliability tests), for traditional assumptions (normality and autocorrelation tests), and for simple linear regression analysis (t-test, coefficient of determination, etc.). Researchers in Nagari Aia Gadang, Pasaman District, West Pasaman Regency, used SPSS 25 to compile their findings. The t-test revealed that the effect of capital loans on housewives' income was statistically significant (t count = 3.166 > t table = 2.024), thus accepting Ha. Housewives' incomes tend to rise in direct proportion to the amount of capital loans they take out. Similarly, housewives' income drops as they take out fewer capital loans.
ANALISIS PENGARUH PRODUK, HARGA, DAN PROMOSI TERHADAP KEPUTUSAN NASABAH MELAKUKAN PEMBIAYAAN PROGRAM REPLANTING KELAPA SAWIT : (STUDI KASUS NASABAH BANK RIAU KEPRI SYARIAH KCP LIPATKAIN) Sukwan Efendi; Amsah Hendri Doni
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2024): September
Publisher : ADISAM PUBLISHER

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Abstract

Several types of financing products at Bank Riau Kepri Syariah KCP Lipatkain, one of which is financing for the oil palm replanting program. To improve customer decisions in financing the oil palm replanting program at Bank Riau Kepri Syariah KCP Lipatkain, there is a need for product marketing, prices and promotions. This research aims to determine and analyze: (1) The influence of products on customer decisions (2) The influence of price on customer decisions (3) The influence of promotions on customer decisions (4) The influence of products, prices and promotions on customer decisions simultaneously. This research is field research using descriptive quantitative methods. The sample in this study was 58 customers who were used as respondents, the collection method was based on the Non Probability Sampling method or saturated sampling where the entire population was selected as a sample, namely 58 customers of Bank Riau Kepri Syariah KCP Lipatkain for the 2023 oil palm replanting program. The data collection technique used questionnaires and observations. The data analysis techniques used in this research were research instrument tests (validity test and reliability test), classical assumption tests (autocorrelation test, normality test, multicollinearity test, and heteroscedasticity test), multiple linear regression test, R2 determinant coefficient test, and hypothesis testing (T test) and (F test). Based on the results obtained in this research, the product variable obtained results with a significant value greater than alpha 0.05% (0.348 ≥ 0.05), the price variable obtained results with a significant value smaller than alpha 0.05% (0.000 ≤ 0.05), the promotion variable obtained results with a significant value greater than alpha 0.05% (0.721 ≥ 0.05). Based on the results of research tests using multiple linear analysis techniques, it can be stated simultaneously or together that there is a positive and significant influence with a significant F value of 0.000 ≤ 0.05. The determinant coefficient (R2) value is 0.377 or 37.7%, which means that simultaneously there is a contribution from the independent variable to the dependent variable of 0.377 or 37.7% and the remaining 62.3% is influenced by other variables not discussed in this research, namely variables location, services, procedures and facilities.
ANALISISKELAYAKAN AGUNAN TAMBAHAN PEMBIAYAAN MURABAHAH KHUSUS PEGAWAI (STUDI KASUS PT BPRS GAJAH TONGGA KOTO PILIANG, KECAMATAN SILUNGKANG) Hasnir Rahmi Febria; Amsah Hendri Doni
Jurnal Ekonomi dan Bisnis Vol. 2 No. 10 (2024): Oktober
Publisher : ADISAM PUBLISHER

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Abstract

The primary focus of this research is the idea of ​​extra collateral evaluation of PT BPRS Gajah Tongga Koto Piliang's murabahah financing. Islamic banks must have a strong collateral evaluation procedure in place before offering loans in order to reduce the possibility of bad financing. In actuality, however, the field's facts contradict the current idea. The objective of this research is to ascertain the extra collateral evaluation procedure that PT BPRS Gajah Tongga Koto Piliang employs for special employee murabahah financing. Additionally, to assess the appeal of PT BPRS Gajah Tongga Koto Piliang's murabahah financing to clients who are special employees. This research uses a qualitative descriptive technique utilizing data from interviews. Data was gathered via interviews with special employee murabahah financing clients and employees of PT BPRS Gajah Tongga Koto Piliang. The study's findings suggest that PT BPRS Gajah Tongga Koto Piliang has not been successful in determining whether or not further collateral would be necessary for special employee murabahah financing. Second, the fact that PT BPRS Gajah Tongga Koto Piliang offers financing to special employee clients at an attractive margin of just 12% is what draws them in.