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The Influence of Services and Digital Systems on Customer Satisfaction BSI Marelan Al-Irsyad, Muhammad Fadhil; Pradesyah, Riyan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3989

The purpose of this study was to determine the effect of digital services and systems on customer satisfaction. Basically, currently, there are many digital systems that can harm customers, due to a lack of understanding of digital systems in the banking world. Therefore, researchers conducted research related to services, digital systems, and customer satisfaction. This research is quantitative research, the analytical tool used is SPSS. The tests used in the study include the classic assumption test, normality test, hypothesis test, and Rsquared test. The results obtained that the service variable affects the satisfaction of BSI customers, and the digital system variable affects the satisfaction of BSI customers, with a degree of freedom of 0.05. Simultaneously service variables and digital systems affect customer satisfaction BSI KCP Marelan, amounting to 44.6% and the remaining 55.4%, while other variables outside the study.

Planned Behavior in Supporting Cashless Society in Sharia Financial Institutions Pradesyah, Riyan; Ismail, Abdul Hadi; Adawiyah, Robiatul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4943

The development of non-cash payments is currently continuing to grow in Indonesia, many applications continue to develop their applications towards a cashless society, but many people and MSMEs are still reluctant to use the non-cash payment system, due to several factors that they consider to be very detrimental to users or providers. non-cash payments. This research aims to examine attitude variables, subjective norms, and behavioral control on the behavior of halal MSMEs in using non-cash payments through interest variables. The approach used in the research is a quantitative approach, with the SmartPLS analysis tool. The results obtained show that the attitude variable (X1) influences the behavior of MSMEs in using non-cash payments (Y) through the interest variable (Z). The subjective norm variable (X2) does not affect MSME behavior in using non-cash payments (Y) through the interest variable (Z). The behavioral control variable (X3) influences the behavior of MSMEs in using non-cash payments (Y) through the interest variable (Z).

The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Pradesyah, Riyan; Sitepu, Fahriani Astuti; Ismail, Abdul Hadi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values to increase user interest among halal MSMEs.

The Effect of Halal Literacy and the Burden of Management Costs on the Interest of MSMEs in the Halal Certification Process Ismail, Abdul Hadi; Sariyanto; Pradesyah, Riyan; Munawaroh , Munawaroh
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.720

The low level of halal certification ownership among Micro, Small, and Medium Enterprises (MSMEs) remains a significant issue amidst the increasing market demand for halal products. This issue is thought to be influenced by low halal literacy among business actors and their perceptions of the cost burden of halal certification processing. This study aims to analyze the influence of halal literacy and the cost burden of processing on MSMEs' interest in the halal certification process in Medan City. This study uses a quantitative approach with a survey method. Data collection was conducted through the distribution of online questionnaires using Google Forms to MSMEs in Medan City. The data obtained were then tabulated and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The analysis includes testing the measurement model (validity and reliability) and the structural model to examine the relationship between variables. The results show that halal literacy has a positive and significant effect on MSMEs' interest in processing halal certification. This indicates that the higher the level of understanding of MSMEs regarding the halal concept and the benefits of certification, the greater their interest in participating in the halal certification process. On the other hand, the burden of administrative costs does not have a significant effect on the interest of MSMEs, which shows that the cost factor is not a primary consideration in business actors' decision-making.

The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Pradesyah, Riyan; Sitepu, Fahriani Astuti; Ismail, Abdul Hadi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values to increase user interest among halal MSMEs.

The Effect of Halal Literacy and the Burden of Management Costs on the Interest of MSMEs in the Halal Certification Process Ismail, Abdul Hadi; Sariyanto; Pradesyah, Riyan; Munawaroh , Munawaroh
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.720

The low level of halal certification ownership among Micro, Small, and Medium Enterprises (MSMEs) remains a significant issue amidst the increasing market demand for halal products. This issue is thought to be influenced by low halal literacy among business actors and their perceptions of the cost burden of halal certification processing. This study aims to analyze the influence of halal literacy and the cost burden of processing on MSMEs' interest in the halal certification process in Medan City. This study uses a quantitative approach with a survey method. Data collection was conducted through the distribution of online questionnaires using Google Forms to MSMEs in Medan City. The data obtained were then tabulated and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The analysis includes testing the measurement model (validity and reliability) and the structural model to examine the relationship between variables. The results show that halal literacy has a positive and significant effect on MSMEs' interest in processing halal certification. This indicates that the higher the level of understanding of MSMEs regarding the halal concept and the benefits of certification, the greater their interest in participating in the halal certification process. On the other hand, the burden of administrative costs does not have a significant effect on the interest of MSMEs, which shows that the cost factor is not a primary consideration in business actors' decision-making.

The Influence of The Amount of Third Party Funds and Inflation on The Placement of SME Financing in the BMT Sharia Cooperative of The Civil Society of North Sumatra. Pradesyah, Riyan; Reza Ayu Ardianti
International Journal of Educational Research & Social Sciences Vol. 2 No. 6 (2021): December 2021
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v2i6.205

This study discusses the allocation of financing distributed by the Madhani Community BMT to Small and Medium Enterprises (SMEs), taking into account several variables used, namely Third Party Funds, Inflation and Financing Allocations. This study aims to see the simultaneous effect of third party funds and inflation on the allocation of financing for small and medium enterprises. The research method used in this study is quantitative, with data analysis using SPSS. As for the results of the study, that third party funds (TPF) partially have no effect and are not significant on SME financing, because the value of t count < t table (0.132 < 2.012) and the significance level is greater than 0.05. While the inflation variable has an effect and is significant, on SME financing seen from the value of t count < t table (5.801 > 2.012) and the significant level is less than 0.005. Meanwhile, simultaneously, Third Party Funds and Inflation have an effect on the Financing of SMEs in the BMT for the Civil Society of North Sumatra.

MEMPERKUAT NALAR TEOLOGI ISLAM MODERAT DALAM MENYIKAPI PANDEMI COVID-19 DI PIMPINAN RANTING PEMUDA MUHAMMADIYAH BANDAR PULAU PEKAN Ginting, Nurman; Pradesyah, Riyan; Amini, Amini; Panggabean, Hadi Sahputra
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 4, No 1 (2021): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v4i1.30-40

Religion for some people in the world is a guideline for determining the direction to be directed in their life. In life in this world, the most important thing is a peace of mind and body in society. In keeping up with the current changes, a good reasoning process is urgently needed as a solution to addressing this to break the chain of the spread of the Covid-19 outbreak. Moderate Islam is a teaching that is able to keep up with the times and does not abandon the teachings afterwards. So that Moderate Islam is a religion that is able to balance the movement of changes in life in society. The understanding of moderate Islamic values is currently being eroded by the changing times, so that many young people tend to be pragmatic, exclusive and intolerant in responding to the situation and conditions of the Covid-19 pandemic which is spreading so rapidly today.

Islamic Law and Fraud Eradication Strategy in Islamic Financial Institutions Pradesyah, Riyan; Nawir Yuslem; Chuzaimah Batubara
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study examines the law and strategy to eradicate fraud in Islamic financial institutions, which are important institutions in the sharia-based economy. Fraud, which includes various fraudulent acts such as manipulation of financial statements and abuse of authority, can damage the reputation and sustainability of financial institutions. Therefore, a thorough understanding of the laws governing Islamic financial institutions, including the Sharia Banking Law and regulations from the Financial Services Authority (OJK), is essential in efforts to prevent and counter fraud. The fraud eradication strategy proposed in this study involves several approaches. First, the implementation of a comprehensive internal control system, including periodic internal and external audits, to ensure transparency and accountability. Second, increasing awareness and ethical training for employees, so that they are better able to recognize and prevent fraud. Third, the use of information technology, such as early detection systems and data analysis, which can identify suspicious patterns in financial transactions. This research emphasizes the importance of collaboration between Islamic financial institutions, regulators, and the public to build a safe and transparent ecosystem. Thus, efforts to eradicate fraud not only protect institutional assets, but also strengthen public trust in the Islamic financial system. The results of this research are expected to provide insight for policy makers and practitioners in developing more effective strategies in eradicating fraud.

Analisis Kualitas Pelayanan dalam Meningkatkan Kepuasan Nasabah Penerima Manfaat Bank Wakaf Mikro (BWM) Mawaridussalam Pradesyah, Riyan; Munawaroh; M. Radian Syah; Asmawarna Sinaga; Safira Khoirunnisa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7237

This study aims to analyze the partial and simultaneous influence of the variables Reliability (X1), Tangibles (X2), Responsiveness (X3), and Assurance (X4) on customer satisfaction (Y) beneficiaries of the mawaridussalam micro waqf bank. The respondents used in the study were 100 people, and the research approach used in completing the research was a quantitative approach. The analysis tool used in data processing is SmartPLS, the findings obtained in this study, that there is a partial influence of the Reliability (X1) and Responsiveness (X3) variables on customer satisfaction (Y) of the beneficiaries of the mawaridussalam micro waqf bank. Meanwhile, the variables Tangibles (X2) and Assurance (X4) have no influence on the customer satisfaction variable (Y). Simultaneously, there is a strong influence of the variables Reliability (X1), Tangibles (X2), Responsiveness (X3), and Assurance (X4) on the variables of Customer Satisfaction (Y) of the beneficiaries of the mawaridussalam micro waqf bank.

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