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Pengaruh Produk Pembiayaan Mudharabah dan Layanan Digital terhadap Keputusan Nasabah pada BTPN Syariah MMS Panjang Rosmiati, Heni; Khulsum, Umi; Azizah Zuhriyah, Nur; Utami, Pertiwi
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i1.1647

Abstract

This study's objective is to investigate whether there is an influence of mudharabah financing products and digital services on customer decisions at BTPN Syariah MMS Panjang in the TUNA era. This type of research is quantitative research. The sampling technique in this study is Simple Random Sampling. Data collection by distributing questionnaires through the Google form application with the number of samples used in this study was 95 respondents from BTPN Syariah MMS Panjang customers. The software used to analyze the data uses the assistance of the Smart PLS 4.1 application. Data analysis such as reliability testing and validity testing using the outer model. While testing the relationship between the coefficient of determination and hypothesis testing using the inner model. The results of the study show that partially based on the structural model test, it has an R² (Coefficient of Determination) value, it can be seen that the R-square value on the Mudharabah Financing variable (X1), and Digital Services (X2), on the Customer Decision variable (Y) has an effect together or simultaneously with a value of 0.359. Thus, it can be concluded that 36% of Customer Decisions are explained by the Mudharabah Financing and Digital Services variables. Based on the regression model, the path coefficient value is 0.513, t-statistic = 5.038, P-value = 0.000 <0.05 for the mudharabah financing variable, and the path coefficient value is 0.110, t-statistic = 1.267, P-value = 0.114> 0.05 for the digital services variable. Both variables have a positive and significant influence on the decision to become a customer at BTPN Syariah MMS Panjang Bandar Lampung
E-Service Quality and E-Wom Regarding Consumer Behavior Based on Maqashid Asy-Shariah Hayati, Mardhiyah; Ali, Juhary; Heri, Mad; Utami, Pertiwi
Journal of Digital Marketing and Halal Industry Vol. 5 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.1.16949

Abstract

The E-commerce usage service quality index is the lowest among other parameters. The purpose of the study investigates the effect of e-Service Quality and e-WOM on consumer behavior using the maqasid ash-shariah approach. This research uses quantitative methods with an associative statistical approach. The results showed that e-service quality and e-WOM have a positive influence on consumer behavior. This means that when the e-service quality and Electronic Word of Mouth variables increase, so does the consumer behavior variable to make purchases in e-commerce transactions. The novelty of this research is the development of marketing management theory from the perspective of Islamic Economics in the digital era. Theoretical implications show that choosing the right e-service quality and e-WOM results in a positive response to the service quality of e-commerce users. From the perspective of Islamic Economics, the values of maqashid asy-syari'ah can influence the goal of achieving human welfare. So that all needs for goods/services have a benefit for human needs, be it dharuriyah, hajiyah and taxiniyah. The results of this research can be used as input for the Government to improve Electronic System Operator (PSE) services. So that later e-commerce can provide even better services.