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All Journal Jurnal Manajemen Bisnis JTAM (Jurnal Teori dan Aplikasi Matematika) Aktiva : Jurnal Akuntansi dan Investasi SULTANIST: Jurnal Manajemen dan Keuangan Jurnal Ekuivalensi Jurnal Ilmiah Manajemen Kesatuan Indonesian Journal of Electrical Engineering and Computer Science International Journal of Business Economics (IJBE) Community Development Journal: Jurnal Pengabdian Masyarakat Janaka : Jurnal Pengabdian Masyarakat GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian kepada Masyarakat Nusantara International Journal Of Science, Technology & Management (IJSTM) Quantitative Economics and Management Studies Jurnal Manajemen Retail Indonesia (JMARI) Jurnal Ekonomi Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Arus Jurnal Sosial dan Humaniora ProBisnis : Jurnal Manajemen JURNAL REGIONOMIC Proceeding of The International Conference on Economics and Business International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Accounting Management Business and International Research International Journal of Science and Environment Innovative: Journal Of Social Science Research Jurnal Manajemen dan Ekonomi Kreatif International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Journal of Management and Social Sciences International Journal of Economics, Business and Innovation Research Society Jurnal Price : Ekonomi dan Akuntasi Jurnal Ekonomi, Manajemen, Akuntansi Journal of Business Integration Competitive Journal of Finance Integration and Business Independence Jurnal Mahkota Bisnis (Makbis)
Amin Hou
Universitas Mahkota Tricom Unggul
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Journal : Journal of Business Integration Competitive

 1 
Service Quality as the Key to Customer Satisfaction: An Empirical Analysis of BTPN Syariah Bank Siantar Timur Sari, Wulan; Amelia, Ratih; Handayani, Cici; Amin Hou; Susanto
Journal of Business Integration Competitive Vol. 1 No. 2 (2025): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v1i2.12

Abstract

This research seeks to assess the impact of employee service quality on customer satisfaction at BTPN Syariah Bank, East Siantar Branch. This research is both associative and quantitative. The study seeks to examine the correlation or impact of one variable on another. The study's demographic comprised 1,163 consumers of BTPN Syariah Bank, East Siantar Branch, in 2023. The sample for this study comprised 92 customers. This study employed simple regression analysis and hypothesis testing utilizing SPSS Version 25. This study's findings demonstrate that service quality positively and significantly impacts customer satisfaction at PTPN Syariah Bank, East Siantar Branch. Furthermore, customer satisfaction at BTPN Syariah Bank, East Siantar Branch, is primarily attributed to the independent variable of service quality, with the remaining 47.5% affected by other unexamined variables, including product quality and location.
Digital Knowledge and Financial Resilience as Determinants of Financial Behavior: Evidence from Indonesia Amin Hou; Muhammad Restu Razaq; Ibrahim Mallam Fali; Leony Hoki; Prianda Pebri
Journal of Business Integration Competitive Vol. 2 No. 1 (2025): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i1.29

Abstract

Financial resilience (FR) and digital knowledge (DK) are two significant things that affect how people behave with money in the digital financial ecosystem, especially in developing nations like Indonesia. This study seeks to examine the mediating function of FR in the correlation between DK and FB among digital financial users in Medan City. This research employs a quantitative methodology, gathering data via an online survey of 230 participants who are active users of digital financial platforms, including e-wallets, mobile banking, and fintech lending. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) method was used to investigate the association between the postulated variables. The findings indicate that DK exerts a favorable and significant influence on both FR and FB, while FR similarly impacts FB positively. Furthermore, FR has been shown to partially moderate the link between DK and FB. This suggests that people who know more about digital technology tend to be better at handling money, which indicates that they are more responsible and healthy with their money. These results corroborate that digital competence enhances access to financial services and fortifies individuals' capacity to manage financial stress and make judicious financial decisions. This work theoretically enhances the behavioral finance literature by emphasizing the significance of incorporating digital literacy and financial resilience as essential factors influencing prudent financial behavior in the digital era. In practice, the findings of this study suggest that governments and financial institutions should develop complete digital financial education programs that emphasize both technical competencies and psychological preparedness to confront contemporary financial difficulties
Co-Authors , Nirmalasari Abdul Aziz Adi Harianto Adi Harianto Ahmad Fadli Ahmad Fadli Ahmad Fadli Ahmad Rivai Ali Syah Putra Alimin, Erina Amalia, Fiqrida Amanda, Diska Aminatu Zahra Andoko Andoko, Andoko Anita Anita Arsyaf Tampubolon Astika, Enda Ayuni , Tyus Windi Baehaqi Br Ginting, Berupilihen Chaniago, Sabarudddin Chaniago, Sabaruddin Cici Handayani, Cici Dahrul Siregar Darwan Tanady Debora Tambunan Deby S O Pasaribu Deby Siska Oktavia Pasaribu Deby Siska Oktavia Pasaribu Denny Satria Deva Djohan Dewi Rafiah Pakpahan Dini M Hutagalung Dini Vientiany Djohan, Deva Duffin Duffin Dwi Pertiwi Anggraini Dwi Pertiwi Anggraini Dwita Sakuntala Eddy Harnjo Eka Martyna Theodora Elisa Oktavia Simatupang Emma Novirsar Ester Hervina Sihombing Ester Hervina Sihombing ESTER HERVINA SIHOMBING, ESTER HERVINA Fauzia Mei Salsabila Fauzia Mei Salsabillah Fauzia Mei Salsabillah Gami, Emelia Rahmadany Putri Gani, Petrus Gea, Stevan Rejekima Gea, Wita Cristianni Ginting, Rika Adelina Br. Goh, Thomas Sumarsan Harahap, Taufiq Azmi Hariato, Adi Harman Syahfendi Harnjo, Eddy Hecimovic, Angela Hek, Tan Kim Ibrahim Mallam Fali Indah Juwita Indra Budiman Indra Budiman Iventura Fitra Uli Tamba Jen Peng Huang Jonathan Setiadi Pasaribu Juliansyah, Roni Kaseng, Asriyana Khairatun Nazah Leony Hoki Lili Maulidza M Fakhrul Hirzi M. Fakhrul Hirzi Mahyuddin Mahyuddin Manda Dwipayani Bhastary Martin Martin Martin Martin Martin Martin Martin Mega Sanjaya Mhd Restu Razaq Razaq Mhd. Restu Razaq Milka Rositi Sianipar Mipo, Mipo Mohamed Anis Benallal Mohammed Salim Benabadji Muhammad Fathoni Muhammad Fathoni, Muhammad Muhammad Restu Razaq Mustapha Si Tayeb Nainggolan, Susan G.V. Nasib Nasution, Muhammad Ilham Nasution, Sri Wanti Nazah, Khairatun Nidya Banuari Nissa, Fachrun Novirsari, Emma Pardede, Akim Manaor Hara Preddy Marpaung Prianda Pebri Prianda Pebri Rafael R.F. Sijabat Ramadhani, Laily Ratih Amelia Ratih Amelia, Ratih Ratna Sari Rifda Daulay, Zulia Rina Asriani Levianti Rivai, Ahmad Rivai, Ahmad Roma Sihombing Roni Juliansyah Rosita Rosita Sabaruddin Chaniago Salqaura, Siti Alhamra Saputra, Jumadil Septa Diana Nabella Sijauta, Dominggus Silaban, Jenti Natalia Simatupang, Jumeida Sinaga, Anggiat Sinaga, Tioma Maryanda Sinuhaji, Frans G Sri Kawuri Stevan Rejekiman Gea Sukiman Sukiman Surtan Hasibuan Surya Maulana SUSANTO Susilowati, Alicia Ulina Suwandy Purba Syafitri, Desy Ramadhani Syahlina, Maya Syukur Berkat Waruwu Theodora, Eka Martyna Tumangger, Ayu Bonita Sari Tumini Sipayung Tyus Windi Ayuni Tyus Windi Ayuni Vina Maria Ompusunggu Vina Winda Sari Vivi Asfianti Widy Hastuty Widy Hastuty HS Wijaya, Elyzabeth Wily Julitawaty, Wily Winda Sari, Vina Wulan Sari, Wulan Yehezkiel Wibisono Sagala Yenni Yenni Yusrizal Yusrizal Zakia Fadila