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All Journal Journal on Education JATI (Jurnal Mahasiswa Teknik Informatika) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Indonesia : Manajemen Informatika dan Komunikasi Jurnal Pendidikan dan Pembelajaran Ekonomi Akuntansi Indonesian Accounting Literacy Journal Journal of Applied Islamic Economics and Finance Padma: Jurnal Pengabdian Kepada Masyarakat Jurnal Ekbis (Ekonomi & Bisnis) Jurnal Indonesia : Manajemen Informatika dan Komunikasi
Kusnadi, Hani Kustyanti
Politeknik Negeri Bandung
Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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KEPUASAN NASABAH DAN KUALITAS LAYANAN: DINAMIKA BANK DIGITAL DI BANDUNG Hani Kustyanti Kusnadi; Elok Faiqoh Himmah; Vivi Novila Dachi
Jurnal Ekbis (Ekonomi & Bisnis) Vol 14 No 1 (2026): Juni 2026
Publisher : POLITEKNIK PIKSI GANESHA

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan terhadap kepuasan nasabah pada pengguna bank digital di Kota Bandung. Transformasi perbankan menuju digitalisasi telah mengubah pola interaksi nasabah dan menuntut peningkatan mutu layanan berbasis teknologi. Penelitian ini menggunakan pendekatan kuantitatif asosiatif kausal dengan melibatkan 70 responden pengguna aktif layanan bank digital seperti Livin’ by Mandiri, BRImo, Blu by BCA, Bank Jago, dan Seabank. Pengumpulan data dilakukan melalui kuesioner daring menggunakan skala Likert lima poin. Variabel bebas yang diteliti adalah kualitas layanan (X) yang diukur dengan model SERVQUAL (tangibles, reliability, responsiveness, assurance, dan empathy), sedangkan variabel terikat adalah kepuasan nasabah (Y) berdasarkan teori Oliver (1997). Analisis data dilakukan menggunakan regresi linier sederhana serta uji validitas, reliabilitas, dan asumsi klasik melalui program IBM SPSS 25. Hasil penelitian menunjukkan bahwa tingkat kepuasan nasabah terhadap layanan bank digital di Bandung tergolong sangat tinggi (mean = 86,34), sedangkan kualitas layanan dinilai baik hingga sangat baik (mean = 81,67). Uji regresi menunjukkan nilai R = 0,838 dan R² = 0,702 dengan signifikansi < 0,001, yang berarti terdapat pengaruh positif dan signifikan antara kualitas layanan terhadap kepuasan nasabah. Aspek keamanan dan keandalan sistem menjadi faktor dominan dalam membentuk kepuasan. Temuan ini memperkuat teori SERVQUAL dan model kepuasan konsumen, serta memberikan implikasi praktis bagi perbankan digital untuk memprioritaskan peningkatan keamanan, stabilitas sistem, dan pengalaman pengguna (user experience) sebagai strategi utama dalam mempertahankan kepuasan dan loyalitas nasabah. Kata kunci : Kualitas Layanan, Kepuasan Pelanggan, Bank Digital
Tekanan Fiskal, Kapabilitas Internal Audit, dan Penyerapan Anggaran Pemerintah Daerah di Indonesia Fitri Fitri; Rosmayanti Rosmayanti; Arsheilla Tiara Rahayudhy; Vivi Novila Dachi; Hani Kustyanti Kusnadi; Verna Budi Amanda; Muhammad Imaduddin Putranda; Elok Faiqoh Himmah
Indonesian Accounting Literacy Journal Vol. 6 No. 3 (2026): Indonesian Accounting Literacy Journal (July 2026)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ialj.v6i3.6885

Abstract

This study examines the influence of fiscal pressure and internal audit capability on budget absorption in district and city governments in Indonesia. Recurring failures to achieve the 100% budget absorption target represent a significant public sector challenge, as low absorption weakens public service quality and hinders regional economic growth. Grounded in Stewardship Theory, which emphasizes responsible management and effective internal oversight, this study uses secondary data from BPKP Performance Reports, regional budget documents, and budget realization reports for 2018–2022. Panel data regression analysis via SPSS was employed to test the hypotheses. Results indicate that fiscal pressure negatively and significantly affects budget absorption, while internal audit capability has a positive and significant effect. Simultaneously, both variables significantly influence budget absorption, providing empirical evidence that strong internal oversight is essential for improving local government budget implementation effectiveness.
The Influence of P2P Lending and Macroeconomic Indicators on MSME Financing Growth at Islamic Rural Banks in Indonesia Azizah Nur; Muhammad Umar Mai; Moch. Edman Syarief; Hani Kustyanti Kusnadi; Sumiyati Sumiyati
Journal of Applied Islamic Economics and Finance Vol. 6 No. 2 (2026): Journal of Applied Islamic Economics and Finance (February 2026)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i2.7220

Abstract

This study investigates the influence of Peer-to-Peer (P2P) lending and macroeconomic indicators—specifically inflation and BI Rate—on the growth of MSME financing at Islamic Rural Banks (BPRS) in Indonesia from 2014 to 2023. Using monthly secondary data and applying the Error Correction Model (ECM), the analysis captures both short-term and long-term dynamics. The findings reveal that P2P lending has no significant effect in the short term but shows a negative and significant impact in the long term, indicating potential substitution for Islamic Rural Banks. Inflation and BI Rate do not significantly influence financing growth in the short term but have a positive and significant effect in the long term. Control variables such as Firm Size and Non-Performing Financing (NPF) also demonstrate long-term impacts. These results offer theoretical insights into fintech disruption and macroeconomic dynamics and provide practical recommendations for Islamic Rural Banks in strengthening their digital competitiveness and risk management strategies.
Co-Authors Abdussalaam, Falaah Adi Chandra Triana Adian Nugroho Samosir Amanda, Verna Budi Arsheilla Tiara Rahayudhy Asep Hidayat Azizah Nur Basith Sukarno, Hasbi Candra Fatihah, Dian Candra Mecca Sufyana Elok Faiqoh Himmah Elsa Denis Sapitri Erny Wityasminingsih Fitri Fitri Hani Hatimatunnisani Indrawan, Bisma Jusuf Nurdin Kodariyah, Turaudatul Maulani Aprianthie, Irma Mochamad Umar Mai NUNIEK DEWI PRAMANIK NUNUNG, AI Nuzul, Dinda Amanda Ainun Permadi, Dika Popon Mariam Prasetyo, Bintang Dwi Purbayati, Radia Putranda, Muhammad Imaduddin Ranti Rosalina, Resmi Rini Suwartika Kusumadiarti Rosmayanti Rosmayanti Samosir, Adian Nugroho Siti Insani SUMIYATI SUMIYATI Syarief, Mochamad Edman Tripuspitorini, Fifi Afiyanti Vivi Novila Dachi Wilma Zuarko Adji