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All Journal Studia Economica: Jurnal Ekonomi Islam Jurnal Pengabdian UntukMu NegeRI Jurnal Akuntansi dan Ekonomika Jurnal Islamika ARSY : Jurnal Aplikasi Riset kepada Masyarakat Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat IJTIMA': Jurnal Pengabdian Masyarakat Jurnal Ilmu Ekonomi dan Bisnis (JUKONI)
Wahyi Busyro
Universitas Muhammadiyah Riau
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Pengaruh Digital Banking Dan Customer Experience Terhadap Loyalitas Nasabah Pada Pt Bank Riau Kepri Syariah Pekanbaru Panam Luqfia Afifah; Marabona Munthe; Wahyi Busyro
Jurnal Ilmu Ekonomi dan Bisnis Vol. 3 No. 3 (2026): JUKONI - Oktober
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jukoni.v3i3.2013

Abstract

This study aims to determine the influence of Digital Banking and Customer Experience on Customer Loyalty at PT Bank Riau Kepri Syariah. The advancement of digital technology has driven banks to provide digital services that offer convenience, speed, and a positive experience to customers. Consequently, Digital Banking and Customer Experience are identified as factors likely to enhance Customer Loyalty. This study employs a quantitative research method using a survey approach. The population consists of PT Bank Riau Kepri Syariah customers who use the BRKS Mobile application. The sample comprises 100 respondents selected through purposive sampling. Data collection was conducted via questionnaires, while data analysis utilized the Statistical Package for the Social Sciences (SPSS) software, covering validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R²). The results indicate that Digital Banking has a positive and significant effect on Customer Loyalty (significance value of 0.014), while Customer Experience also has a positive and significant effect on Customer Loyalty (significance value of 0.000). Simultaneously, Digital Banking and Customer Experience exert a positive and significant influence on Customer Loyalty (significance value of 0.000). The coefficient of determination (R-Square) of 0.499 indicates that the Digital Banking and Customer Experience variables explain 49.9% of the variance in Customer Loyalty, while the remaining 50.1% is influenced by factors outside the scope of this study. Thus, improving the quality of Digital Banking services and enhancing the positive experiences perceived by customers can boost Customer Loyalty at PT Bank Riau Kepri Syariah.  
Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Memilih Produk Rahn Di Pegadaian Syariah Cabang Soebrantas Kota Pekanbaru Titin Andini; Rika Septianingsih; Wahyi Busyro
Jurnal Ilmu Ekonomi dan Bisnis Vol. 3 No. 3 (2026): JUKONI - Oktober
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jukoni.v3i3.2037

Abstract

This study aims to analyze the influence of situational and social factors on customer decisions to choose Rahn (Sharia-compliant pawn) products at the Pegadaian Syariah Soebrantas Branch in Pekanbaru City, both partially and simultaneously. The study is motivated by the importance of understanding the factors influencing customer decisions regarding Sharia-based financing products, thereby providing insights for Pegadaian Syariah to enhance service quality and marketing strategies. A quantitative approach utilizing a survey method was employed. The study population consisted of 2,179 customers using Rahn products at the Pegadaian Syariah Soebrantas Branch in Pekanbaru City in 2026. A sample of 96 respondents was selected using the Slovin formula and the accidental sampling technique. Data were collected via questionnaires using a Likert scale and analyzed using multiple linear regression with the Statistical Package for the Social Sciences (SPSS). The results indicate that situational factors have a positive and significant influence on customer decisions to choose Rahn products. Social factors also exert a positive and significant influence on customer decisions and represent a more dominant variable compared to situational factors. Simultaneously, situational and social factors have a positive and significant influence on customer decisions regarding the choice of Rahn products. These findings demonstrate that service environment conditions, service speed, reference group influence, and family support are key factors considered by customers when deciding to use Rahn products.  
Co-Authors Ajeng Safitri Bakaruddin Bakaruddin chiendy nurhafidzah Deprizon, Deprizon Dwita Razkia Firul Indari Hendri Ali Ardi, Hendri Ali Lisman, Muhammad Loura Yuniarti Luqfia Afifah Marabona Munthe Misral Misral Nur Fitriyana putri jamilah Raisa Berlian Rika Septianingsih Salsa Ramadhani Santoso Santoso Siti Hanifa Sandri Siti Samsiah Sri Rahmayanti Titin Andini