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All Journal Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Journal of Artificial Intelligence and Digital Business
Afif, Yaumul Khair
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Religion Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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Pengaruh Layanan Mobile Banking terhadap Kepuasan Nasabah PT. Bank Muamalat Indonesia, Tbk Kantor Cabang Stabat Wahyudi, Deddy; Afif, Yaumul Khair; Khairunnisa, Khairunnisa
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17586

Abstract

This study aims to determine the effect of Mobile Banking services on customer satisfaction, the magnitude of the influence of Mobile Banking services on customer satisfaction, and the relationship between Mobile Banking services on customer satisfaction PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office. This type of research is quantitative research that emphasizes numerical data (numbers) processed using inferential statistical methods (analyzing the relationship between variables by testing hypotheses). The source of this research data was obtained from the answers to the questionnaire given by the research respondents, namely customers who use the Mobile Banking service of PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office, totaling 75 respondents. Data processing and analysis in this study used the SPSS computer program and Microsoft Office Excel. The results of the study explain that there is a significant influence between Mobile Banking services on customer satisfaction, this is obtained from statistical results showing a significance value of 0.000 and tcount of 10.425. Based on this, it can be argued that α (0.000 0.05) and tcount ttable (10.425 1.99300) means that there is an influence of variable X on Y. The Mobile Banking services offered by PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office affects customer satisfaction by 59.3%. There is a positive or parallel relationship between Mobile Banking services and PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office.
The Role of Service Digitalization and Sharia Product Suitability in Bank Customer Satisfaction Maulia, Nurul; Afif, Yaumul Khair; Putri, Rahma Aulia; Mayori, Ela Rosa; Salsabila, Salsabila
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12540

Abstract

This study aims to determine the extent of the influence of service digitization and the suitability of sharia products on the satisfaction of sharia bank customers. In today's era, many customers want banking services that are fast, easy, and accessible at any time without having to visit the office. Islamic banks address this need by offering technology-based services such as mobile apps and internet banking, while maintaining Islamic principles in all their products. The research method used in this study is a literature review, involving the reading and analysis of books, journals, articles, and reports from several Islamic banks. The results of the study indicate that digital services greatly assist customers in performing daily transactions, such as money transfers, bill payments, and balance checks. Meanwhile, products such as mudharabah savings, murabahah financing, and Islamic pawnbroking provide a sense of security because they do not violate religious principles. If digitalization and the suitability of Islamic products can be implemented simultaneously, customers will feel more satisfied, comfortable, and trusting of the Islamic bank. Banks such as BSI, BCA Syariah, and Bank Muamalat have begun to take concrete steps in combining these two aspects, and the results have had a positive impact on customer trust and loyalty. This study concludes that the combination of good digital services and Shariacompliant products is a key factor in enhancing customer satisfaction with Sharia banks.
Pengaruh Pemahaman Prinsip Halal terhadap Minat Menabung Generasi Z pada Bank Syariah (Studi Kasus MAN 2 Langkat) Afrilia, Desy; Afif, Yaumul Khair; Khairunnisa, Khairunnisa
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.5753

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh pemahaman prinsip halal terhadap minat menabung Generasi Z pada bank syariah. Penelitian ini dilatarbelakangi oleh masih rendahnya partisipasi generasi muda dalam menggunakan layanan perbankan syariah, hal ini dipengaruhi oleh kurangnya pemahaman prinsip halal dalam sistem keuangan. Jenis penelitian yang digunakan adalah penelitian kuantitatif dengan pendekatan asosiatif untuk menguji hubungan dan pengaruh antarvariabel. Populasi penelitian ini adalah seluruh siswa MAN 2 Langkat, dengan sampel sebanyak 91 responden yang dipilih dengan teknik simple random sampling. Pengumpulan data dilakukan melalui observasi dan penyebaran angket yang terstruktur berdasarkan indikator variabel. Data yang diperoleh kemudian diolah dan dianalisis menggunakan uji deskriptif, uji validitas, uji reliabilitas, uji asumsi klasik, uji regresi linier sederhana, uji determinasi, dan uji hipotesis parsial (uji t) dengan bantuan perangkat lunak SPSS versi 24. Hasil penelitian menunjukkan bahwa pemahaman prinsip halal berpengaruh positif dan signifikan terhadap minat menabung generasi z pada bank syariah. Hal ini dibuktikan dengan hasil uji t yang menunjukkan nilai thitung 4,406 > ttabel 1,987 dan nilai signifikansi (sig.) 0,001 < 0,05 dan hasil nilai koefisien determinasi (R square) dengan nilai kontribusi sebesar 50,9%, sedangkan sisanya 49,1% dipengaruhi oleh variabel lain yang tidak dimasukkan dalam penelitian ini. Temuan ini menegaskan bahwa pemahaman prinsip halal yang baik dapat meningkatkan minat menabung Generasi Z pada bank syariah serta memberikan implikasi terhadap pertumbuhan ekonomi berbasis nilai Islam di Indonesia.
Co-Authors Afrilia, Desy Deddy Wahyudi Khairunnisa Khairunnisa Maulia, Nurul Mayori, Ela Rosa Putri, Rahma Aulia Salsabila, Salsabila