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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam SENTRALISASI At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Akuntansi Kesatuan Jurnal Darma Agung Aghniya: Jurnal Ekonomi Islam JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Ilmiah METADATA Ilomata International Journal of Management Indonesian Journal of Business and Management Jurnal Investasi Islam Al-Iqtishod : Jurnal Ekonomi Syariah Al-Muamalat : Jurnal Ekonomi Syariah Journal Of Business, Finance, and Economics (JBFE) EKSYA: Jurnal Ekonomi Syariah Jurnal Akuntansi dan Keuangan Jurnal Pengabdian Masyarakat Hablum Minannas Al-Hisbah Jurnal Ekonomi Syariah Governors Populer: Jurnal Penelitian Mahasiswa Jurnal Ekonomika Manajemen Dan Bisnis Commodity : Jurnal Perbankan dan Keuangan Islam Jurnal Publikasi Ilmu Manajemen Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Triwikrama: Jurnal Ilmu Sosial Mutiara: Jurnal Penelitian dan Karya Ilmiah Social Science Academic Student Research Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman EKOBIMA Ekonomi Bisnis dan Manajemen Academia Open Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal) Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Muhammad Syahbudi
Universitas Islam Negeri Sumatera Utara
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Analysis of Factors Influencing Customer Decisions in Choosing Deposit Products with Mudharabah Contracts at Bprs Al- Wasliyah Medan Dinda Dewi Rahma Wijaya; Nurul Inayah; Muhammad Syahbudi
Amkop Management Accounting Review Vol. 5 No. 1 (2025): January - June
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2809

Abstract

This study aims to analyze the influence of promotion , service , and trust on customer decisions in choosing deposit products with mudharabah contracts at BPRS Al- Wasliyah Meldan . The background of this study is based on fluctuations in the number of lending and the nominal mudharabah deposits in the last few years , which indicates the need to identify factors that influence customer decisions . With a population of 128 customers and a sample of 97 people , the number of samples is determined based on the Slovin formula with a Margin of Error of 5%. Clearly , the selected data is primary data with a Likert scale questionnaire data collection methods . The data were analyzed using validity , reliability , classical assumption test , multiple linear regression , and hypothesis test (t- test) and F -test ). The results of the study showed that partially the trust variable had a significant effect on customer decisions , while promotion and service did not have a significant effect . However , simultaneously , the three variables had an effect on customer decisions . The value of the correlation coefficient (R²) of 0.219 showed that 21.9% of the variation in customer decisions could be explained by the three independent variables . These findings highlights the importance of building and maintenance customer trust , as various factors influence the decision to choose mudharabah deposits at BPRS Al- Wasliyah Meldan 
From Digital Literacy to Saving Interest: Analysis of the Influence of Brand Image as a Moderating Factor in Account Opening at Bank Sumut Syariah Sibolga: Dari Literasi Digital ke Minat Menabung: Analisis Pengaruh Brand Image sebagai Moderasi dalam Pembukaan Rekening di Bank Sumut Syariah Sibolga Sarah Febrian; Muhammad Syahbudi; Kusmilawaty
Amkop Management Accounting Review Vol. 5 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3222

Abstract

The development of digital technology has driven significant changes in people's financial behavior, including saving habits and account opening at banking institutions. This study aims to analyze the effect of digital literacy on saving interest and the role of brand image as a moderating variable in account opening. The research employs a quantitative method with a moderation regression approach, based on data collected from 100 respondents who have access to banking services in Indonesia. The results indicate that digital literacy has a positive and significant effect on saving interest. Furthermore, brand image strengthens the relationship between digital literacy and saving interest, suggesting that a positive perception of banking institutions can enhance the trust of potential customers.
Co-Authors Ahmad Muhaisin Ahmad Muhaisin B. Syarbaini Ahmad Ryasid Ahri Musalim Aisiyah Rahma Alfaqih Tariq Aziziy Hasibuan Amalia Ramadhani Suci Ardi Amiur Nuruddin Anggi Pratiwi Antin Kurnyasih Aqila Fadila Haya Malau Aqwa Naser Daulay Ardi Prayetno Arifin Fauzi Lubis Aulia Nurul Annisa Harahap Azhari Akmal Tarigan Bayu Mega Nanta Bunga Anggraini Delyana Dila Fahira Dinda Dewi Rahma Wijaya Diva Ananda Elida Elfi Barus Elida Elfi Barus Elsa Nur Habibi Fadillah Ramadhani Siregar Fadlan Arrasyid Bintang Fera Silvia Hendra Harmain Ibnu Sholihin Imsar, Imsar Indah Khairunnisa Sihotang Indah Rayansi Irfah Alwainiy Isnaini Harahap Juliana Nasution Khairani Nisa Kusmilawaty Laura Natasya Saragih Lukman Nasution M. Luthfi Perdana siregar Marwah Auliyani Maryam Batubara Muhammad Arif Muhammad Habibi Harahap Muhammad Ikhsan Muhammad Lathief Ilhamy Nasution Muhammad Rizky Putra Mustapa Khamal Rokan Mutia Zahra Lubis Nanda Syafira Afriyani Nasution, Muhammad Irwan Padli Natasya Agustine Asali Nazlah Rachma Panggabean Nur Ahmadi Bu Rahmani Nurbaiti, Nurbaiti Nurhayati Gultom Nurlaila Nursantri Yanti Nurul Fadhillah Nurul Hasanah Nurul Inayah Nurul Wafiq Azizah Nasution Putri Amanda R. Juli Moertiono Radiansyah Radiansyah Rafika Azwina Rahma Wulan Suci Nasution Rahmat Daim Harahap Rahmi Syahriza Raja Putri Salsabila Rajab Siregar Ranah Santri Dongoran Reza Nurul Ichsan Rika Utari Riska Amaliah Rizky Febrian Saragih Rizky Padlan Sabrina Adawiyah Saparuddin Siregar Sarah Febrian Siti Nurhaliza Sofia Lazura Sri Rahayu Sri Ramadhani Suci Wulandari Sugianto Sugianto Suhardina Syahrul Tanjung Trie Ananda Tuti Anggraini Wahyu Syarvina Yenni Samri Juliati Nasution Yona Andreani