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All Journal Jurnal Online Insan Akuntan Journal of Finance and Islamic Banking
Ratna Dewi Kusumawati
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Peran Kepercayaan Memediasi Hubungan Reputasi dan Intensi Pembelian di E-Commerce Ratna Dewi Kusumawati; Lucia Ari Diyani
JURNAL ONLINE INSAN AKUNTAN Vol 6 No 1 (2021): Jurnal Online Insan Akuntan (Juni 2021)
Publisher : Penelitian dan Pengabdian Masyarakat Universitas Bina Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51211/joia.v6i1.1471

Abstract

This research is conducted to discover the mediation role of trust, especially trust to seller in e-commerce, to seller reputation and purchase intention relationship in e-commerce. Data in this research is collected using questionnaire. Data in this research is analyzed using Path Analysis and Sobel Test. Finding in this research shows that trust to seller is able to mediate the relationship between reputation and purchase intention in e-commerce. Other findings in this research is reputation variable affect purchase intention directly in statistic test, and reputation variable is affecting trust to seller variable and trust to seller variable significantly affect purchase intention variable. The finding is expected to contribute in providing new insights in accounting information systems research, especially related to e-commerce in Indonesia and are expected to provide reference contributions for future studies in the same field.
Cutomer Loyalty in the Age of Digital Sharia Finance: Evidence from Bank Digital Aladin Syariah Mahsun; Tia Rahmatika; Nurazizah; M. Zainul Ridho; Zilal Afwa Ajidin; Ratna Dewi Kusumawati; Husnul Muamilah
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11814

Abstract

Purpose: This study aims to examine the influence of e-service quality, halal perception, and trust in online platforms on customer loyalty, with customer satisfaction as a mediating variable, focusing on users of Bank Digital Aladin Syariah among Generation Z students. Method: The research employed a quantitative descriptive approach using purposive sampling. Data were collected via structured questionnaires and analyzed using path analysis with multiple linear regression, including F-test and t-test procedures, processed through SPSS version 30. Results: The results indicated that e-service quality, halal perception, and trust in online platforms had a significant direct effect on both customer satisfaction and customer loyalty. However, customer satisfaction did not serve as a mediating variable in the relationship between the three independent variables and loyalty, suggesting that these factors influenced loyalty independently. Implication: The findings provide managerial insights for Islamic digital banking institutions to focus on improving digital service quality, reinforcing Sharia compliance, and building platform trust to foster customer loyalty. Originality: This paper contributes to the literature on Islamic digital finance by integrating technological, ethical, and religious variables into a unified model for explaining customer loyalty. The study offers a novel perspective by focusing on Generation Z users with specific exposure to Islamic banking education and experience.
Co-Authors Husnul Muamilah Lucia Ari Diyani M. Zainul Ridho Mahsun Nurazizah Tia Rahmatika Zilal Afwa Ajidin