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All Journal Wealth: Journal of Islamic Banking and Finance
Ma'ruf Hidayat
UIN Prof. K.H. Saifuddin Zuhri Purwokerto
Economics, Econometrics & Finance

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Optimizing the Role of Mobile Android in Improving Service Quality at BPRS Suriyah Cilacap Nurul Fatmawati; Ma'ruf Hidayat
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i2.7006

Abstract

The development of increasingly sophisticsted technology makes it easier for finalcial institutions to utilize this technology in product to development and service quality at banks. BPRS Suriyah Cilacap has many services to support service operations at the bank, one of which is the android mobile service which is widely used by customers because it makes it easier for users to carry out transaction activities at the bank. The type of research used is field research conducted with informants. This study uses a qualitative method using a descriptive approach. The data sources of this study come from primary data and secondary data obtained through observation, interviews, documentation, websites, journal literature and bppks in order to obtain information and evidence in the research process. The results of this study regarding the process of optimizing the role of mobile android in improving the quality of services that have been completely optimal although there are still obstacles in their use. The android mobile service process by entering the service system and entering the customer’s name and data then input the nominal amount to be deposited by the customer and wait for the receipt or note to finish printing. In addition, the obstacles and solutions in using android mobile services at Suriyah BPRS are the service system that often has errors and disturbances when uploading transaction deposits made per day and the absence of mobile banking services in supporting the diverse needs of customers, the solution is to report to the office IT to be assisted if there are still problems and by trying to implement mobile banking services to support customer needs and many banks have used it.
Determining Factors Analysis of Traders in Taking Financing at KSPPS BMT Ben Sejahtera KCU Kroya Azka Nur Diana; Ani Retno Sulistiowati; Ma'ruf Hidayat
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.8018

Abstract

KSPPS BMT Ben Sejahtera KCU Kroya is the main branch office which is in the same location as the KSPPS BMT Ben Sejahtera Kroya head office, so when compared to other branch offices, of course BMT Ben Sejahtera Kroya has more complete services. However, in practice there are not a few problems encountered, namely the trader's decision to use financing products which results in the number of members of the financing realization experiencing instability every month. This study aims to determine whether cultural factors, social factors, personal factors and psychological factors influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. This research uses quantitative methods. The population is traders who take financing from KSPPS BMT Ben Sejahtera KCU Kroya in 2021. The number of samples used is 60 respondents. The sampling technique uses Nonprobability Sampling by Purposive Sampling. The results showed that the variables of cultural factors and social factors partially had no effect on traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Meanwhile, personal factor variables partially have a negative effect on traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. psychological factor variables partially influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Variable cultural factors, social factors, personal factors and psychological factors simultaneously influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Keywords: Cultural Factors, Social Factors, Personal Factors, Psychological Factors.
Co-Authors Ani Retno Sulistiowati Azka Nur Diana Nurul Fatmawati