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All Journal KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang PERFECT EDUCATION FAIRY
Yosi Safri Yetmi
Universitas Islam Syekh Yusuf
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Other

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NPF Sebagai Variabel Moderasi dalam Pembiayaan Bank Syariah Ria Kurniawati; Yosi Safri Yetmi
KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang Vol 10, No 2 (2022): KREATIF
Publisher : Prodi Manajemen Fakultas Ekonomi Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jk.v10i2.y2022.p235-241

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh langsung dan tidak langsung dari variabel independen yaitu mudharabah, musyarakah, dan murabahah terhadap variabel dependen, yaitu profitabilitas dengan NPF sebagai variabel moderasi. Ruang lingkup penelitian hanya berfokus pada Bank Umum Syariah yang ada di Indonesia dari tahun 2016-2020. Metode penelitian yang digunakan yaitu dengan analisis jalur (path analysis) dengan bantuan software SPSS. Uji pengaruh langsung antara variabel independen tidak berpengaruh terhadap variabel dependen. Sedangkan hasil uji pengaruh tidak langsung dengan variabel NPF sebagai variabel moderasi mampu memperkuat pengaruh variabel independen terhadap variabel dependen. Penelitian ini memberikan kesimpulan NPF tidak mampu memoderasi akad pembiayaan murabahah, namun mampu memoderasi akad pembiayaan mudharabah dan musyarakah.
Service Quality and Student Referral Intentions in Higher Education: The Mediating Role of Student Satisfaction at Islam Syekh-Yusuf University Salsa Damanik; Sugeng Lubar Prastowo; Yosi Safri Yetmi
PERFECT EDUCATION FAIRY Vol. 4 No. 2 (2026): PERFECT EDUCATION FAIRY
Publisher : PT. Batari Edu Calya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/pef.v4i2.1236

Abstract

This study examines how five dimensions of service quality—tangibles, reliability, responsiveness, assurance, and empathy—shape student referral intentions through student satisfaction at Islam Syekh-Yusuf University, Indonesia. A sequential exploratory-to-confirmatory design was used: preliminary interviews contextualized service issues and informed the survey, followed by a cross-sectional questionnaire administered to 175 students from the 2021–2022 cohorts selected using proportional random sampling. The structural model was estimated with partial least squares structural equation modeling (PLS-SEM) in SmartPLS 3.2.9. The results show that assurance is the only SERVQUAL dimension with a statistically significant positive effect on student satisfaction (β = .386, p = .003). Student satisfaction, in turn, strongly predicts referral intention (β = .583, p < .001). Assurance also has a significant indirect effect on referral intention through satisfaction (β = .225, p = .005), whereas the other indirect effects are not significant. The model explains 51.7% of the variance in student satisfaction and 72.9% of the variance in referral intention. Internal consistency and convergent validity are acceptable; however, several heterotrait–monotrait (HTMT) ratios exceed the conventional .90 threshold, indicating that discriminant validity is not fully established for some construct pairs. The study therefore supports a focused managerial implication: competence, credibility, security, and clear communication are central to satisfaction-driven student referrals, while the non-significant dimensions should not be interpreted as unimportant without addressing measurement overlap and contextual heterogeneity.
The Effect of Rebranding, Brand Image, and Marketing Strategy on Customer Satisfaction: Case Study: Ace Hardware Becomes Az.ko Living World Alam Sutera Ahmad Fakhri Husaini; Yosi Safri Yetmi; Aisyah Ratnasari
PERFECT EDUCATION FAIRY Vol. 3 No. 2 (2025): PERFECT EDUCATION FAIRY
Publisher : PT. Batari Edu Calya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/pef.v3i2.1230

Abstract

This study uses a quantitative approach with a survey method. There were 180 respondents consisting of ACE Hardware customers before and after the rebranding to Az.ko. To select the sample, the researcher used non-probability sampling with purposive sampling, which is selecting respondents who meet the criteria of being at least 21 years old and have made purchases from both brands. Data was collected through an online questionnaire and analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) with the assistance of SMART PLS 3 software. The analysis results indicate that rebranding and brand image do not have a significant impact on customer satisfaction. Marketing strategies were found to have a positive and significant impact on customer satisfaction. These findings suggest that effective marketing efforts following rebranding are more influential in enhancing customer satisfaction than changes to the brand or brand image itself.
Co-Authors Ahmad Fakhri Husaini Aisyah Ratnasari Ria Kurniawati Salsa Damanik Sugeng Lubar Prastowo