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Ulya, Zikriatul
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Religion Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Determination of Customer Loyalty Through Customer Satisfaction in Using Mobile Banking Ulya, Zikriatul; alfian; Zuhra, Nur rahmi; Setiawan, Muarif
Jurnal Manajemen dan Keuangan Vol 14 No 1 (2025): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i1.11522

Abstract

This study aims to analyze the determinants that influence customer loyalty through customer satisfaction in using mobile banking . The method used in this study is a quantitative descriptive approach using path analysis to test the direct relationship between variables and indirect relationships between variables using structural equation modeling - partial least square (sem-pls). Data collection used is a questionnaire distributed via google form. The number of samples is 90 Aceh Tamiang customers. Determination of the sample uses a nonprobability sampling technique where sampling does not provide equal opportunities for each member of the population selected as a sample and uses SmartPLS 4.0 software. The results of the study showed that the customer experience variable on customer satisfaction has a positive and significant effect, the service quality variable on customer satisfaction has a negative and insignificant effect, the service feature variable on customer satisfaction has a positive and significant effect, the customer experience variable on customer loyalty has a negative and insignificant effect, the service quality variable on customer loyalty has a negative and insignificant effect, the service feature variable on customer loyalty has a positive and significant effect, the customer satisfaction variable on customer loyalty has a positive and significant effect, customer satisfaction can mediate customer experience on customer loyalty, customer satisfaction cannot mediate service quality on customer loyalty, customer satisfaction can mediate service features on customer loyalty.
Strategy In Preventing Financial Distress: Resolution Of Problem Financing At Bank Aceh Syariah Branch Peureulak Aceh Ulya, Zikriatul; Safwandi; Sarita Ulfia; Muarif Setiawan; Zulhilmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,10 No 1 (2025)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v10i1.10962

Abstract

This study discusses the strategy of resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak, the problems presented in this study are, the level of financing problems in Bank Aceh Syariah sub-branch of peureulak how to solve problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak auxiliary branch, what decisions are taken in the settlement of problematic financing, what are the strategies in the settlement of problematic financing. The purpose of this study is to analyze the strategy for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak with a process hierarchy analysis method. This research method is the positive qualitative Analytic Hierarchy Process (AHP) method. The results of this study show that the alternative priority of problematic financing settlement strategies in preventing financial distress at Bank Aceh Syariah sub-branch peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis of AHP using expert choice The highest priority strategy is to close and sell one or more business units (0.293), then the second strategy priority is the extension of the credit schedule (0.280), and the third strategy is to reduce profits (0.231). In conclusion, the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch of peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis using expert choice obtained is the highest priority of the third-party fund dependency strategy with an inconsistency value of 0.05< 0.1 interpreted as consistent. The recommendation for banks is to strengthen risk analysis and financing restructuring policies, while for customers, it is recommended to be cooperative in following financing rescue policies so that business sustainability is maintained and the risk of financial distress can be minimized.
Pengaruh Pendapatan Asli Daerah, Belanja Modal dan Dana Bagi Hasil Migas terhadap Pertumbuhan Ekonomi di Aceh Fatmawati; Ulya, Zikriatul; Hamid, Abdul
JIM: Jurnal Ilmiah Mahasiswa Vol 6, No 1 (2024): April 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v6i1.8224

Abstract

Economic growth is an indicator of the success of development implementation which can be used as a macro benchmark and changes in Gross Regional Domestic Product (GRDP) in a region. GRDP is the amount of added value produced by all business units in a region. The higher the economic growth of an area indicates the better the economic activity in that area. This research aims to determine the influence of PAD, Capital Expenditures, Oil and Gas Profit Sharing Funds on economic growth in Aceh, with the selected year starting from 2011-2020. This research uses quantitative methods and the data used is secondary data in the form of the Aceh Government Financial Report and the General Ministry of Finance. The data analysis method uses multiple linear regression analysis. The results of the research show that local revenue has a positive and significant effect on economic growth in Aceh with a significance value of 0.009 < 0.05 and a value of tcount of 3.778 > ttable l value of 1.8945. Capital expenditure has no significant effect on economic growth in Aceh with a significance value of 0.464 > 0.05 and a t value of -0.783 < t table value of 1.8945. Oil and gas profit sharing has no significant effect on economic growth in Aceh with a significance value of 0.521 > 0.05 and a tcount value of -0.682 < ttable value of 1.8945. The results of the F test (simultaneous) show that the significance value of F is 0.001 < 0.05 and the F value is 24.832 > 19.35 indicating that there is a positive and significant influence of PAD, Capital Expenditures, Oil and Gas Profit Sharing on economic growth in Aceh.
Pengaruh Sikap dan Pengetahuan Keuangan Di Kota Langsa : Dampak Manajemen Keuangan Pribadi dan Gender Sebagai Variabel Moderating Ulya, Zikriatul; Aisyah Putri; Syamsul Rizal; Aya Zulfia4; Muarif Setiawan
Journal Of Islamic Economics And Finance Vol 5 No 2 (2025): Vol. 5 No. 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i2.10049

Abstract

This study aims to analyze the effect of financial attitudes and knowledge on personal financial management among students in Langsa City, with gender as a moderating variable. Using a quantitative descriptive approach with a sample of 200 students selected through purposive sampling, the data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results show that attitudes and financial knowledge have a positive and significant effect on personal financial management, both partially and simultaneously. In addition, gender moderates the relationship between these two variables, indicating that psychological, cognitive, and demographic factors play an important role in shaping students' financial behavior. These findings contribute theoretically to the understanding of financial behavior and provide practical recommendations for educational institutions to develop gender-sensitive financial literacy programs.
Analysis of Financial Planning and The Factors that Influence It: Student Case Study Alamsyah, Akla Rizka; Ulya, Zikriatul; Hisan, Khairatun
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.7103

Abstract

This research aims to determine the effect of financial literacy, financial behavior and self-control on student financial planning. This research is a quantitative study of 213 respondents using simple random sampling technique with the requirement that students have taken financial planning courses. Data analysis using SmartPLS with two model tests. The results obtained are that financial literacy, financial behavior and self-control have a positive and significant effect on financial planning partially. The findings also show that there is an indirect effect through self-control that financial literacy has a positive but not significant effect, but has a positive and significant effect on the relationship between financial behavior to financial planning. These results indicate that financial management knowledge will be much more useful if it is practiced in everyday life to achieve planned financial goals. For this reason, it is important for the world of education not only to teach financial knowledge, but also to help improve individual behavior so that they have good discipline and self-control.
Management Strategy: Efforts To Increase The Economic Welfare Of Members Village Unit Cooperative Ulya, Zikriatul; Sumarni, Mutia; Nurjanah
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 2 No 2 (2024): SEURAYA Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

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

Abstract

Ketidakberdayaan masyarakat pedesaan juga disebabkan oleh masalah ekonomi. Oleh karena itu, pembangunan pada bidang ekonomi merupakan penggerak utama melakukan perkembangan dan kemajuan dalam rangka mensejahterakan rakyat. Untuk menyikapi persoalan tersebut, salah satu upaya yang dilakukan oleh pemerintah maupun masyarakat dalam memecahkan masalah perekonomian yaitu dengan adanya pembangunan koperasi untuk dapat memenuhi kebutuhan hidup terutama anggota yang ada dalam koperasi. Koperasi sangat penting sebagai wadah dalam menumbuhkan dan mengembangkan kesejahteraan anggota koperasi. Sejalan dengan tujuan koperasi, dibutuhkan manajemen yang baik agar tujuan tersebut tercapai. Setiap organisasi memerlukan tata laksana yang baik dan rapi agar dapat berjalan sebagaimana yang diharapakan. Metode penelitian yang digunakan adalah penelitian lapangan dengan menggunakan pendekatan penelitian kualitatif dengan metode deskriptif. Berdasarkan hasil penelitian Dalam pelaksanaan manajemennya Koperasi Unit Desa (KUD) BAJa Desa Harapan Makmur dengan menggunakan sistem manajemen yaitu: sistem perencaan (Planning), Pengorganisasia (Organizing), Pelaksanaan (Actuating), dan Pengawasan (Conroling), Sedangkan Dalam Meningkatkan Kesejahteraan Ekonomi Anggota, upaya yang dilakukan yaitu: Pertama, Dalam Meningkatkan Pertisipasi Anggota, maka pengurus telah memberikan pemahaman kepada angota tentang pentingnya partisipasi dalam koperasi bagi koperasi maupun anggota koperasi. Kedua, Dalam Meningkatkan Pelayanan, pelayanan yang diberikan KUD BAJA hanya program sembako beras, hal tersebut disebabkan karena sudah tuanya pohon-pohon di perkebunan sawit milik koperasi dan macet nya pembayaran angsuran pinjaman dari anggota. Ketiga, Dalam Meningkatkan Modal Kopersi, bahwa dalam upaya untuk peningkatan permodalan koperasi maka salah satu upaya yang dilakukan KUD BAJA adalah melakukan penyimpanan rutin bagi para anggotanya setiap bulannya, dan mereplanting perkebunan sawit agar nantinya hasil sawit dari pohon-pohon baru dapat menjadi penambahan modal bagi koperasi.
Co-Authors Abdul Hamid Agustinar, Agustinar Aisyah Putri Alamsyah, Akla Rizka Alfian Andi Peristiawan Armaya, Tika Aya Zulfia4 Dewi , Meutia Eliza, Zulfa Fatmawati Fatmawati FW Pospos, Ade Fadillah Hisan, Khairatun Mastura Mauliani, Adjeng Muarif Setiawan Muarif Setiawan, Muarif Nurjanah Safwandi Sari, Elindian Kartika Sarita Ulfia Sumarni, Mutia Syamsul Rizal Zefri Maulana, Zefri Zuhra, Nur rahmi Zulfa Eliza Zulhilmi