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PENGARUH MOTIVASI UNTUK MENGHINDARI RIBA DAN PENGETAHUAN PRODUK TERHADAP KEPUTUSAN MENJADI NASABAH (STUDI KASUS PADA BANK MANDIRI SYARIAH KC MALANG) Permana, Ade Indra; Prastowo, Sugeng Lubar; Djaenudin, Ernie Mardiany
EKONOMI BISNIS Vol. 27 No. 1 (2021): EKONOMI BISNIS
Publisher : Universitas Islam Syekh-Yusuf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33592/jeb.v27i1.1349

Abstract

The title in this study is the Effect of Motivation to Avoid Usury and Product Knowledge of the Decision to Become a Customer Case Study at Bank Mandiri Syariah Kc Malang. This study aims to determine and analyze the variables of Avoiding Usury Motivation, Product Knowledge, partially and simultaneously have a significant effect on the decision to become a customer. The method used in this research is to use quantitative descriptive with a sample of 100 people. In this study the sampling technique used was using accidental sampling and in gathering data using questionnaires, while for the test results using the test of validity, reliability, coefficient of relations, classical assumptions and using multiple linear regression. The results of this study indicate that the variables X1, X2 simultaneously or partially have a significant effect on Y where the resulting value is less than 0.05. while for the classic assumption test it can be concluded that each variable can be normally distributed and heteroscedasticity does not occur.
The Influence of Digital Platform Quality and Security on Decision and Satisfaction through Trust in the DANA Digital Wallet Djaenudin, Ernie Mardiany; Prastowo, Sugeng Lubar
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.860

Abstract

This research reveals several significant findings related to the factors influencing the use of the Dana digital wallet platform. The study aims to examine the impact of digital platform quality, security on decision-making, and user satisfaction through trust in the Dana digital wallet. The research was conducted among users of the Dana digital wallet application, with 166 respondents as the sample. The research method employed a quantitative approach, specifically a causal associative approach, with research instruments in the form of a Likert scale questionnaire ranging from 1 to 5. Sampling was carried out using a non-probability incidental sampling technique. The analytical approach used SEM-PLS, utilizing Smart-PLS version 4.0. The research results demonstrate that the variables of digital platform quality, security, and trust have a significant direct impact on decision-making. The user decision-making variable has the most dominant direct influence, accounting for 85.6% of user satisfaction. Furthermore, digital platform quality and security significantly influence trust directly. Additionally, digital platform quality and security also have a significant indirect impact on decision-making through trust as a mediating variable.