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PENGARUH MARKETING MIX DAN DIGITAL BANKING TERHADAP KEPUASAN NASABAH PADA BANK SYARIAH INDONESIA CABANG PEKALONGAN PEMUDA DI MASA PANDEMI Mochamad Yusuf Kustinah; Muhammad Taufik Abadi; Rinda Asytuti
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v13i1.8158

Bank Syariah Indonesia has a growing number of customers every year. The increase in customers is not matched by the quality of service in the form of customer satisfaction. Customer satisfaction is still an obstacle to maximizing Islamic banks' profits. This study aims to examine the effect of marketing mix and digital banking on customer satisfaction at Bank Syariah Indonesia Pekalongan Pemuda Branch during the pandemic. The sample used was 99 respondents from a population of 17,261. The sample uses an accidental sampling technique. The method uses a questionnaire. Instrument testing, classical assumption analysis, multiple linear regression analysis, and hypothesis testing were used to analyze the data. The results of the analysis conducted on customer satisfaction at Bank Syariah Indonesia Pekalongan Pemuda Branch during the pandemic, namely how digital banking variables affect customer satisfaction, However, the marketing mix has no effect on customer satisfaction. Keywords: Marketing Mix, Digital Banking, Customer Satisfaction

Tax Socialization, Tax Knowledge, and Tax Sanctions' Influence on Taxpayer Compliance with Individuals at KPP Pratama Pekalongan Mochamad Yusuf; Imahda Khoiri Furqon; Drajat Stiawan
Jurnal Ilmiah Akuntansi Universitas Pamulang Vol 10, No 1 (2022): Jurnal Ilmiah Akuntansi Universitas Pamulang
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jiaup.v10i1.19347

The number of taxpayers from year to year is increasing. However, the increase in the number of taxpayers is not matched by taxpayer compliance in paying taxes. The problem of compliance is an obstacle to maximising tax revenue. The purpose of this study was to examine the effect of Tax Socialization, Tax Knowledge, and Tax Sanctions on Individual Taxpayer Compliance at the Pekalongan Pratama Tax Service Office. The sample used was 100 respondents from the population of Individual Taxpayers registered in Pekalongan 17.261 in 2020. Not all of these numbers became the research object for time and cost-efficiency. Sampling was done by a simple random sampling method. The primary data collection method used is a survey method using a questionnaire. Data were analyzed using instrument tests, classical assumption analyses, multiple linear regression analyses, and hypothesis testing. The results of the analysis carried out on individual taxpayers registered at KPP Pratama Pekalongan, namely the variables of Tax Socialization and Tax Sanctions affect the Compliance of Individual Taxpayers. However, Tax Knowledge has no effect on Individual Taxpayer Compliance

Pengaruh Tingkat Literasi Keuangan Syariah Terhadap Kinerja Pemasaran Bank Umum Syariah Guna Optimalisasi Kepercayaan Nasabah Mochamad Yusuf; Rinda Asytuti
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 1 (2022): May 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v2i1.4642

This study aims to analyze the effect of Islamic financial literacy level on the performance of Islamic banks in order to optimize customer trust. This research is classified as a type of qualitative descriptive research. The type of data used in this study is the type of primary data with data collection techniques in the form of observation and interviews. The results of this study indicate that the level of Islamic financial literacy plays an important role in the performance of Islamic banks. Good performance of Islamic banks gives customers confidence in Islamic banks. Keywords: Islamic Financial Literacy, Islamic Bank Performance, Trust

THE EFFECT OF MARKETING MIX, SELF-SERVICE TECHNOLOGY, AND DIGITAL BANKING ON CUSTOMER SATISFACTION AT INDONESIAN SHARIA BANK PEKALONGAN PEMUDA Hendri Hermawan Adinugraha; Mochamad Yusuf; Muhammad Taufiq Abadi
Journal of Management and Islamic Finance Vol. 2 No. 1 (2022): Journal of Management and Islamic Finance
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v2i1.4922

Indonesian Sharia Bank has a growing number of customers every year. The increase in customers is not matched by the quality of service in the form of customer satisfaction. Customer satisfaction is still an obstacle to maximizing Islamic banks' profits. This study aims to examine the influence of marketing mix, self-service technology, and digital banking on customer satisfaction at Indonesian Sharia Bank of Pekalongan Pemuda Branch. The sample was 100 respondents from a population of 48,200. The sample used simple random sampling. The method used a questionnaire. Instrument testing, classical assumption analysis, multiple linear regression analysis, and hypothesis testing were used to analyze the data. The results of the analysis conducted on customer satisfaction at Indonesian Sharia Bank of Pekalongan Pemuda Branch, include the self-service technology effect where tcount<ttable is 0.00<0.05, so H0 and Ha are accepted. Moreover, digital banking variables, have an effect where tcount<ttable is 0.00<0.05, then H0 and Ha are accepted on customer satisfaction. However, the marketing mix has no effect where tcount>ttable is 0.128>0.05, so H0 and Ha are rejected on customer satisfaction. The results show the 3 variables dependent with a significant value of 0.000<0.50 on Customer Satisfaction.

PENGARUH MARKETING MIX DAN DIGITAL BANKING TERHADAP KEPUASAN NASABAH PADA BANK SYARIAH INDONESIA CABANG PEKALONGAN PEMUDA DI MASA PANDEMI Mochamad Yusuf Kustinah; Muhammad Taufik Abadi; Rinda Asytuti
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Bank Syariah Indonesia has a growing number of customers every year. The increase in customers is not matched by the quality of service in the form of customer satisfaction. Customer satisfaction is still an obstacle to maximizing Islamic banks' profits. This study aims to examine the effect of marketing mix and digital banking on customer satisfaction at Bank Syariah Indonesia Pekalongan Pemuda Branch during the pandemic. The sample used was 99 respondents from a population of 17,261. The sample uses an accidental sampling technique. The method uses a questionnaire. Instrument testing, classical assumption analysis, multiple linear regression analysis, and hypothesis testing were used to analyze the data. The results of the analysis conducted on customer satisfaction at Bank Syariah Indonesia Pekalongan Pemuda Branch during the pandemic, namely how digital banking variables affect customer satisfaction, However, the marketing mix has no effect on customer satisfaction. Keywords: Marketing Mix, Digital Banking, Customer Satisfaction

PENGARUH MARKETING MIX DAN DIGITAL BANKING TERHADAP KEPUASAN NASABAH PADA BANK SYARIAH INDONESIA CABANG PEKALONGAN PEMUDA DI MASA PANDEMI Mochamad Yusuf Kustinah; Muhammad Taufik Abadi; Rinda Asytuti
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v13i1.8158

Bank Syariah Indonesia has a growing number of customers every year. The increase in customers is not matched by the quality of service in the form of customer satisfaction. Customer satisfaction is still an obstacle to maximizing Islamic banks' profits. This study aims to examine the effect of marketing mix and digital banking on customer satisfaction at Bank Syariah Indonesia Pekalongan Pemuda Branch during the pandemic. The sample used was 99 respondents from a population of 17,261. The sample uses an accidental sampling technique. The method uses a questionnaire. Instrument testing, classical assumption analysis, multiple linear regression analysis, and hypothesis testing were used to analyze the data. The results of the analysis conducted on customer satisfaction at Bank Syariah Indonesia Pekalongan Pemuda Branch during the pandemic, namely how digital banking variables affect customer satisfaction, However, the marketing mix has no effect on customer satisfaction. Keywords: Marketing Mix, Digital Banking, Customer Satisfaction

Pengaruh Citra Merek, Kualitas Layanan, dan Digital Banking Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Sebagai Variabel Intervening Pada PT Bank Syariah Indonesia Cabang Pekalongan Pemuda Mochamad Yusuf; Muhammad Aris Syafi'i; Tamamudin Tammamudin
ISLAMIC BUSINESS and FINANCE Vol 4, No 1 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i1.22073

Customer loyalty is a commitment to using the product. Customer loyalty is achieved through satisfaction, brand image, service quality, and digital banking. This study aims to determine the effect of brand image, service quality, and digital banking on customer loyalty through customer satisfaction as an intervening variable at Bank Syariah Indonesia Pekalongan Pemuda. This research is quantitative research. The population amounted to 48,200. Sample of 100 respondents with the slovin formula, standard error 10%. Accidental sampling technique using a questionnaire. Data analysis techniques in the form of instrument tests, classical assumption tests, path analysis, hypothesis testing and coefficient of determination tests. The results showed that brand image significantly affects satisfaction with a beta value of 0.421 and a significance of 0.00. Service quality has no effect and is not significant to customer satisfaction with a beta value of -0.029 and a significance of 0.545. Digital banking has no effect and is not significant to customer satisfaction with a beta value of -0.002 and a significance of 0.964. Brand image significantly affects customer loyalty with a beta value of 0.436 and a significance of 0.001. Service quality has no effect and is not significant to customer loyalty with a beta value of 0.091 and a significance of 0.194. Digital banking has a significant effect on customer loyalty with a beta value of 0.392 and a significance of 0.00. Customer satisfaction significantly affects customer loyalty with a beta value of 0.504 and a significance value of 0.001. Customer satisfaction mediates the effect of brand image on customer loyalty with a t value = 2.178. Customer satisfaction does not mediate the effect of service quality on customer loyalty with a t value of -0.454. Customer satisfaction does not mediate the effect of digital banking on customer loyalty with a t value of 0.037.Keywords: Brand Image, Service Quality, Digital Banking, Customer Satisfaction, and Customer Loyalty.

Pengaruh Tingkat Literasi Keuangan Syariah Terhadap Kinerja Pemasaran Bank Umum Syariah Guna Optimalisasi Kepercayaan Nasabah Mochamad Yusuf; Rinda Asytuti
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 1 (2022): May 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

This study aims to analyze the effect of Islamic financial literacy level on the performance of Islamic banks in order to optimize customer trust. This research is classified as a type of qualitative descriptive research. The type of data used in this study is the type of primary data with data collection techniques in the form of observation and interviews. The results of this study indicate that the level of Islamic financial literacy plays an important role in the performance of Islamic banks. Good performance of Islamic banks gives customers confidence in Islamic banks. Keywords: Islamic Financial Literacy, Islamic Bank Performance, Trust

Does Emotional Marketing Play a Crucial Role in the Loyalty of Sharia Bank Customers in Indonesia? Susminingsih Susminingsih; Ina Mutmainah; Muhammad Nasrullah; Ahmad Hanif Muntahal Fahmi; Nuzulul; Mochamad Yusuf
Shirkah: Journal of Economics and Business Vol. 11 No. 2 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v11i2.1027

Customer loyalty plays a vital role in ensuring the sustainability of Islamic banking institutions; yet, there is no conclusive empirical support concerning whether religiosity or emotional marketing influences customer loyalty more. This study investigates the influences of religiosity, emotional marketing, and customer value on customer loyalty while customer satisfaction acts as the mediator. A survey design was employed involving 258 customers of Sharia banks in Indonesia using purposive and accidental sampling methods. Data were collected via structured questionnaire method while Structural Equation Modeling (SEM) analysis was used in AMOS 23 software for data analysis. The findings demonstrate that religiosity and customer value had a significant positive effect on customer satisfaction, whereas emotional marketing did not. The mediating variable, customer satisfaction, had a significant positive impact on customer loyalty. These results emphasize that customer loyalty was crucial for the sustainability of Sharia banks. The study demonstrates that customer loyalty in Islamic banking is driven more by religiosity than by marketing experiences, leading to greater use of Sharia banking products and services. The findings suggest that Indonesian Sharia banks can enhance loyalty by prioritizing Islamic values through initiatives such as Sharia financial seminars, zakat and waqf consultations, education on Islamic principles, and the development of modern digital services.

MANAJEMEN SUMBER DAYA MANUSIA BERBASIS TEKNOLOGI INFORMASI PADA LEMBAGA ZAKAT (STUDI KASUS BADAN AMIL ZAKAT NASIONAL KOTA PEKALONGAN) Mochamad Yusuf; AM Khafidz Mas’hum; Alya Septi Lutfiana; Nadia Amilatul Khusnah; Nur Aina Zulfa
SmartBIZ: Journal of Business Management Vol 1, No 2 (2026): SmartBIZ: Journal of Business Management
Publisher : Yayasan Adwitiya Basurata Inovasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66088/smartbiz.v1i2.92

Human resource development is a company activity to grow employees. Information technology has significant implications in various aspects of human life, one of which is in zakat institutions. This research aims to explore and examine the implementation of information technology-based human resource management at Baznas Pekalongan City. This research uses exploratory and qualitative methods. Data sources come from primary and secondary and use triangulation analysis techniques followed by reduction and conclusion. By conducting interviews with 6 informants, this research showed that Baznas Pekalongan City is a zakat management institution. Pekalongan City Baznas has a good but less-than-optimal information system. There is a lack of limited access to technological infrastructure, a lack of digital skills and knowledge, as well as language and literacy barriers. Resource capacity levels should require collaboration between educational institutions, IT industry professionals, and the government. The proposed strategy is strengthening infrastructure, providing digital skills training, and language inclusivity through content, as well as collaboration between stakeholders.

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