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All Journal KEUNIS BANGUN REKAPRIMA SYIRKAH Jurnal Hilirisasi Technology kepada Masyarakat (SITECHMAS) International Journal of Multidisciplinary Sciences and Arts
Fajria, Rola Nurul
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Potensi Sinergitas Fintech Dengan Bank Syariah Dalam Meningkatkan Kinerja Perbankan Syariah Di Indonesia Fajria, Rola Nurul
MALIA: Journal of Islamic Banking and Finance Vol 3, No 2 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i2.8450

Abstract

Technology start-ups from FinTech firms offer more convenient user experiences for example better user interfaces for the mobile management of personal finance. Besides that also lower prices and better quality for example faster speed for traditional products such as payment services. This study aims to identify and overview key risks and impact of FinTech on sharia banks in Indonesia to improving bank performance. The result of this study shows that shariah banking Indonesia needs synergy with FinTech firms to increase their performance and market share.
Analisis Pengaruh Relationship Marketing, Kualitas Layanan, dan Penggunaan M-Banking Terhadap Loyalitas Nasabah PT Bank Syariah Indonesia (Studi Kasus pada Masyarakat di Kota Semarang) Maryamah, Neni; Widowati, Mustika; Fajria, Rola Nurul
KEUNIS Vol. 11 No. 1 (2023): JANUARY 2023
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v11i1.3788

Abstract

This study aims to analyze the significance of the effect of relationship marketing, service quality, and the use of m-banking on customer loyalty at PT Bank Syariah Indonesia Tbk in Semarang City, either simultaneously or partially. The population in this study were all customers of PT Bank Syariah Indonesia Tbk in Semarang City.  The sampling technique used was purposive sampling technique as many as 102 respondents. The data used in this study is primary data obtained through the distribution of questionnaires. The data analysis model used multiple linear regression analysis model. While the data analysis technique used the F statistical test, the coefficient of determination (R2) test, and the t statistic test which was processed using the SPSS 21.00 program.The results of the analysis and discussion show that relationship marketing, service quality, and the use of m-banking simultaneously have a significant effect on customer loyalty at PT Bank Syariah Indonesia Tbk in Semarang City. Partially, relationship marketing and service quality have a positive and significant effect. While the use of m-banking has a positive but not significant effect on customer loyalty at PT Bank Syariah Indonesia Tbk in Semarang City. Implementation of the results of this study PT Bank Syariah Indonesia Tbk needa to continue to strive to retain customers and increase customer loyalty. This can be realized in several ways, one of which is by optimizing relationship marketing and service quality for it”™s operations.
Pengembangan UMKM Kopi pada Masyarakat Perlindungan Indikasi Geografis (MPIG-KAJSS) Kopi Arabika Java Sindoro-Sumbing Kabupaten Temanggung Fajria, Rola Nurul; Widowati, Mustika; Sam”™ani, Sam”™ani; Sartono, Sartono; Windawati, Atif
Jurnal Hilirisasi Technology kepada Masyarakat (SITECHMAS) Vol. 3 No. 1 (2022): Vol. 3 No. 1 April 2022
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (624.64 KB) | DOI: 10.32497/sitechmas.v3i1.3176

Abstract

Kawasan Sindoro-Sumbing kabupaten Temanggung merupakan daerah yang memiliki potensi besar untuk pengembangan kopi Arabica. Selama ini masyarakat kurang mengutamakan budidaya kopi karena komoditas ini kalah pamor dibandingkan tembakau. Kopi merupakan salah satu alternatif yang patut dikembangakan sebagai langkah diversifikasi. Namun masyarakat memiliki kesulitan permodalan untuk pengembangan usaha,   belum bankable terutama di bank syariah, keterbatasan pemasaran karena hanya mengandalkan pemasaran offline, belum memanfaatkan teknologi internet dan kurangnya pengetahuan dan keterampilan mengenai Good manufacturing practice (GMP) untuk produk kopi bubuk.Kegiatan ini ditujukan untuk membantu masyarakat di desa Bansari Kabupaten Temanggung mengembangkan tanaman kopi menjadi komoditas yang alternatif. Metode yang digunakan untuk mengatasi masalah masyarakat adalah dengan pelatihan, pendampingan dan evaluasi. Hasil kegiatan menunjukkan bahwa terjadi peningkatan pemahaman masyarakat terhadap peran Lembaga Keuangan Syariah (LKS). Peserta pelatihan juga menyatakan sudah menggunakan HP untuk mendukung kegiatan usaha dan pemasaran namun sebatas aplikasi WhatsApp dan bersedia untuk menggunakan aplikasi dan platform lain selama pendampingan. Terjadi peningkatan motivasi pasca pelatihan yakni perilaku positif untuk belajar mandiri budi daya dan mengolah kopi dengan pendampingan dari MPIG-KAJSS. Kegiatan ini sangat bermanfaat bagi mitra pengabdian dalam melakukan proses diversifikasi ke tanaman kopi sebagai komoditas yang patut dipertimbangkan.
From Intuition to Automation: A Comparative Study of Traditional Investment Decisions and Robo-Advisory Adoption Among Retail Investors in Indonesia Pinandhito, Kenneth; Ayundyayasti, Prima; Fajria, Rola Nurul; Cinderatama, Toga Aldila; Martia, Dina Yeni
International Journal of Multidisciplinary Sciences and Arts Vol. 4 No. 3 (2025): International Journal of Multidisciplinary Sciences and Arts, Article July 2025
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/ijmdsa.v4i3.6463

Abstract

The development of digital technology has transformed the investment decision-making process from being based on human analysis to automated algorithm-based solutions such as robo-advisors. This study aims to compare traditional and technology-based investment decision-making approaches among retail investors in Indonesia, focusing on adoption, perceived trust, and effectiveness of robo-advisor use. Using quantitative descriptive-correlational approach to compare traditional and technology-based investment decision-making methods, this study collected survey data from 120 individual. The results show a significant positive correlation between trust in traditional methods and the use of investment applications, although the adoption rate of robo-advisors is still low. The main barriers faced are low digital literacy and lack of trust in automated systems. These findings emphasize the importance of targeted investor education and increased transparency on robo-advisory platforms. This study contributes to the literature on fintech adoption in emerging markets and offers practical insights for fintech developers and policymakers.
PERSEPSI MAHASISWA POLITEKNIK NEGERI SEMARANG TERHADAP PELAYANAN BIDANG KEMAHASISWAAN UNTUK MENINGKATKAN KUALITAS PELAYANAAN PADA MAHASISWA POLITEKNIK NEGERI SEMARANG : PERSEPSI MAHASISWA POLITEKNIK NEGERI SEMARANG TERHADAP PELAYANAN BIDANG KEMAHASISWAAN UNTUK MENINGKATKAN KUALITAS PELAYANAAN PADA MAHASISWA POLITEKNIK NEGERI SEMARANG Sunindyo, Aris; Fajria, Rola Nurul; Prihatiningsih; Nugraha, Nyata; Kusmargiani, Ida Savitri
Bangun Rekaprima Vol. 11 No. 1 (2025): April 2025
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/bangunrekaprima.v11i1.6421

Abstract

This study aims to evaluate student perceptions of the quality of services provided by the student affairs sector at Politeknik Negeri Semarang. The method used in this research is a survey by distributing questionnaires to 100 active students as respondents. Data analysis was performed using multiple linear regression. The results showed that the dimensions of service quality such as tangible, reliability, responsiveness, and assurance have a significant influence on student satisfaction, while empathy has no significant effect. This study also provides recommendations for improving service quality in the field of student affairs in order to meet student expectations.
Co-Authors Aris Sunindyo, Aris Ayundyayasti, Prima Dina Yeni Martia Kenneth Pinandhito Kusmargiani, Ida Savitri Maryamah, Neni Mustika Widowati, Mustika Nugraha, Nyata Prihatiningsih Sam”™ani, Sam”™ani Sartono Sartono, Sartono Toga Aldila Cinderatama Windawati, Atif