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Journal : Proceeding ISETH (International Summit on Science, Technology, and Humanity)

Service Quality, MDR, Ease of Use, QRIS User Satisfaction in Surakarta City Micro Businesses Mualifah, Iklilah Egil; Muharrami, Rais Sani
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2024: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.5356

Abstract

The purpose of this research is to examine the effect of service quality, MDR, and ease of use on QRIS user satisfaction at micro businesses in Surakarta City. This research uses quantitative methods. The population in this study were micro businesses as QRIS merchants in Surakarta City. Sampling was carried out using random sampling technique, the sample size was 100 respondents. Data collection was carried out by distributing questionnaires directly to respondents. The results of this study state that: (1) service quality with t-Statistic results 2.953 > 1.984, and a probability value of 0.004 < 0.05, meaning that service quality has a positive and significant effect on QRIS user satisfaction in Surakarta City micro businesses. (2) MDR with a t-Statistic result of 6.093 > 1.984, and a probability value of 0.000 < 0.05, meaning that MDR has a positive and significant effect on QRIS user satisfaction in Surakarta City micro businesses. (3) Ease of use with t-Statistic results 2.798 > 1.984, and a probability value of 0.006 < 0.05, meaning that ease of use has a positive and significant effect on QRIS user satisfaction in micro business actors in Surakarta City. The coefficient of determination test shows that variable (X) can affect variable (Y) by 48.5%. Data processing stages with Eviews 12 software include validity and reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analysis, coefficient of determination (R2), T test (Partial).
Effects of Diversification, Bank Size and Bank Competition on Profitability of Islamic Banks Ambawani, Firdaina Nanda Puan; Muharrami, Rais Sani
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2024: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.5420

Abstract

Purpose: This study aims to analyse the effects of diversification, bank size and bank competition on the profitability of Islamic banks for the period 2019-2023. Methodology: The data was taken from the financial statements published on each bank's website, the Financial Services Authority (OJK), the Central Bureau of Statistics (BPS), and Bank Indonesia. This study uses quantitative research methods with a panel data regression approach. This study covers 10 Islamic banks with the largest assets from 2019-2023. Based on the criteria obtained through purposive sampling method, six samples or 30 data were obtained and data analysis was carried out using eviews 10. Results: Diversification increases the profitability of Islamic banks, with proper diversification banks will minimise the risk of dependence on one product. Bank Size and Bank Competition are negative indicating that in terms of assets and competition these six banks have not controlled the banking market share so that it does not affect the profitability of Islamic banks. Applications/Originality/Value: This study contributes not only to the existing literature, but also paves the way for further research exploring the interplay between diversification, bank size and bank competition in the Islamic banking sector.