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Pengaruh E-Service Quality dan E-Trust terhadap E-Loyalty Melalui E-Satisfaction Sebagai Variabel Intervening: Studi pada Pengguna BSI Mobile PT. BSI di Kota Malang Aisyah Nur Rahmadina; Irmayanti Hasan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1541

Abstract

The purpose of this study is to determine the effect of e-service quality and e-trust on e-loyalty through e-satisfaction as an intervening variable for BSI customers in Malang City who use BSI Mobile. This research uses a quantitative approach with explanatory research methods. The location of this research is in Malang City. The sample used was 175 respondents. Data collection techniques are questionnaires and literature studies. Data analysis techniques using smartPLS software with Partial Least Square (PLS) techniques. From the results of this study shows that e-service quality has no effect on e-loyalty. E-trust has no effect on e-loyalty. E-satisfaction affects e-loyalty. E-service quality affects e-loyalty through e-satisfaction as an intervening variable and e-trust affects e-loyalty through e-satisfaction as an intervening variable.
The Influence of Social Media Marketing and Electronic Word of Mouth on Purchase Intention Through Brand Image as Intervening Variables: A Study on Azarine Cosmetic in Malang City Rifki Warri Zain; Irmayanti Hasan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.2216

Abstract

TikTok has emerged as the most popular social media app among today's Generation Z users. Simultaneously, this presents a new challenge for businesses, particularly in the intensely competitive local beauty product market as well as worldwide. Azarine Cosmetics is one of the cosmetic brands being investigated. The purpose of this study is to investigate how brand image and social media marketing affect consumers' intentions to make purchases. 155 members of Malang City's Generation Z were given a questionnaire as part of the study's quantitative methodology. Purposive and nonprobability sampling methods were used in the sampling process. The Partial Least Squares Structural Equation Modeling (PLS-SEM) approach was used to analyze the data. Three factors social media marketing, Ewom, and brand image have a significant impact on purchase intention, according to the research findings. Regarding the connection between Ewom and social media marketing, both significantly and favorably affect the perception of a brand. Social media marketing and electronic word-of-mouth, however, are not able to strongly affect purchase intention through brand image. This study broadens our knowledge of the factors influencing consumers' intentions to make purchases in the digital age. Further research efforts might be based on the findings of this study.
Faktor - Faktor yang Mempengaruhi Keputusan Menggunakan Jasa Bank Syariah di PT. BSI Kota Batu Ahmad Ramapanji Panatagama; Irmayanti Hasan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.2318

Abstract

This research aims to determine the factors that influence the decision to use sharia banking services at PT. BSI Batu City. This research uses a descriptive quantitative approach with questionnaire and interview data collection methods. The population in this study were customers at PT. BSI Batu City and samples as research respondents will be taken using non-probability sampling techniques using Malhotra's theory using 105 samples obtained from 5 x 21 (number of items from research indicators). The research results show that the level of religiosity (X1) and level of education (X3) have a significant and positive effect on usage decisions. Meanwhile, income level (X2) has no effect and is not significant on the decision to use sharia banking services at PT. BSI Batu City.
Dampak Lingkungan Kerja, Budaya Organisasi, dan Etika Kerja Islam terhadap Kinerja Karyawan Anisa Amaliani; Irmayanti Hasan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2501

Abstract

This study aims to determine the effect of work environment, organizational culture, and Islamic work ethics on employee performance at Bank Syariah Indonesia Hasanudin Jakarta branch. The method used is quantitative method and causal associative approach, namely to determine the effect of independent variables on the dependent variable. The analysis technique uses multiple linear regression analysis with SPSS software version 21. The data used are primary data and secondary data. Primary data collection was obtained from observations made by the author while carrying out field work practices for one month, followed by interviewing one of the employees, and distributing questionnaires related to the research topic to all employees with a saturated sample technique of 40 respondents. Secondary data collection is obtained from literature studies and documentation related to the research topic. The results of this study are partially work environment and organizational culture have no significant effect on employee performance. Meanwhile, partially Islamic work ethics has a significant effect on employee performance. Then, simultaneously work environment, organizational culture, and Islamic work ethics have a significant effect on employee performance at BSI KC. Jakarta Hasanudin..
The Influence of Store Atmosphere and Hedonic Consumption on Impulsive Buying Mediated by Positive Emotions Wahyudi, Teguh Agus; Hasan, Irmayanti
Advances In Social Humanities Research Vol. 3 No. 6 (2025): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v3i6.443

Abstract

This study seeks to investigate the impact of store atmosphere and hedonic consumption on impulsive purchase behavior among consumers at Hypermart Town Square in Malang City, mediated by happy emotions. The methodology employed is quantitative, utilizing an explanatory survey approach, wherein data is gathered via purposive sampling procedures involving a total of 80 respondents. This research investigates the correlation among store atmosphere, hedonic consumption, and happy emotions, along with their influence on impulsive purchasing behavior. The research findings indicate that store ambiance and hedonic consumption exert a positive and significant influence on impulsive purchasing behavior. Hedonic eating exerts a positive and considerable influence on happy feelings. Nevertheless, the retail ambiance does not substantially influence good emotions. Positive emotions exert a substantial and beneficial influence on impulsive purchasing behavior. The store atmosphere does not substantially impact impulsive purchasing through pleasant emotions, however hedonic consumption positively increases happy emotions, thereby affecting impulsive purchase.
Efek: Brand Image, Brand Awareness, dan Experiental Marketing Terhadap Loyalitas Nasabah: Bank Muamalat Kota Malang Sofi Adawiyah; Irmayanti Hasan
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 8 (2024): RESLAJ: Religion Education Social Laa Roiba Journal 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i8.2347

Abstract

This research aims to determine the effect of brand image, brand awareness, and experiential marketing on customer loyalty (Bank Muamalat, Malang City). The type of research used is quantitative research. The data collection method uses a questionnaire. The sampling technique used was non-probability sampling with a sample size of 130 people. The analysis technique used is multiple linear regression. Based on the research results, it can be concluded that brand image partially has no effect on customer loyalty of Bank Muamalat, Malang City, brand awareness has an effect on customer loyalty of Bank Muamalat, Malang City, experiential marketing has an effect on customer loyalty of Bank Muamalat, Malang City, and simultaneously, brand image, brand awareness and experiential marketing influence customer loyalty at Bank Mumalata, Malang City.
Digital Payment Usefulness and Trustworthiness as Drivers of Customer Stickiness: The Mediating Role of Customer Experience in Intercity Bus Services Abu Wildan Mustafa; Irmayanti Hasan
Jurnal QOSIM : Jurnal Pendidikan, Sosial & Humaniora Vol 4 No 2 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/jq.v4i2.5530

Abstract

Studi ini bertujuan untuk menguji pengaruh perceived usefulness (manfaat yang dirasakan) dan trustworthiness (kepercayaan) terhadap customer stickiness (retensi pelanggan), dengan customer experience (pengalaman pelanggan) sebagai variabel mediasi, dalam konteks penggunaan pembayaran digital pada penumpang bus antar kota dalam provinsi (AKDP) di Terminal Purabaya, Indonesia. Pendekatan yang dipilih dalam studi ini adalah kuantitatif eksplanatori dengan melibatkan 132 responden yang pernah menggunakan sistem pembayaran digital dalam transaksi perjalanan mereka. Data dikumpulkan melalui kuesioner terstruktur dan dianalisis menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil riset di lapangan menunjukkan bahwa perceived usefulness dan trustworthiness berpengaruh positif dan signifikan terhadap customer experience, yang selanjutnya berpengaruh signifikan terhadap customer stickiness. Analisis mediasi mengonfirmasi bahwa customer experience secara signifikan memediasi hubungan antara perceived usefulness dan trustworthiness terhadap customer stickiness. Hal ini menunjukkan bahwa manfaat fungsional dan kepercayaan pengguna membentuk perilaku penggunaan berkelanjutan melalui mekanisme pengalaman. Temuan ini memperluas Technology Acceptance Model (TAM) dengan menunjukkan peran perceived usefulness dan trustworthiness dalam menjelaskan perilaku pasca-adopsi pada penggunaan pembayaran digital. Secara praktis, penelitian ini memberikan wawasan bagi penyedia layanan transportasi publik untuk meningkatkan implementasi pembayaran digital dengan memprioritaskan kegunaan sistem, kepercayaan, dan pengalaman pelanggan yang positif guna mendorong penggunaan jangka panjang.
Factors  That  Influence  Customer  Loyalty:  Brand  Image,  Brand  Awareness,  And Experiential Marketing: Study Of Bank Muamalat Customers, Malang City Sofi Adawiyah; Irmayanti Hasan
Jurnal Ekonomi, Bisnis & Entrepreneurship Vol. 18 No. 2 (2024): Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIE Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55208/3xdpe529

Abstract

This study examines the impact of brand image, brand awareness, and experiential marketing on customer loyalty at Bank Muamalat in Malang City. This study employed a quantitative methodology, utilizing data gathered via questionnaires administered to active clients of Bank Muamalat. Respondents were chosen through a non-probability sampling approach based on the following criteria: a minimum age of 17 years, a customer tenure of six months or more, and possession of products from Bank Muamalat. The questionnaire comprised 26 statement questions and included a total sample of 130 respondents. Data were examined via multiple linear regression through SPSS software. The findings indicated that brand awareness and experience marketing significantly affect client loyalty. This research suggests that customer awareness of the Bank Muamalat brand's presence and principles directly impacts their loyalty decisions. Moreover, favorable client experiences with banking services, including effective staff contacts, seamless digital services, and alignment with Sharia principles, are essential in fostering loyalty. Conversely, brand image exerts little impact on client loyalty. This condition suggests that while Bank Muamalat's brand image is perceived favorably by clients, more than this aspect is needed to directly affect customer involvement with the bank. The regression model employed in this study exhibits an R Square value of 63.8%, signifying that the variables of brand image, brand awareness, and experiential marketing collectively account for most of the variability in consumer loyalty. Nonetheless, the remaining 36.2% is affected by additional factors not encompassed in this study, like service quality, pricing, or emotional influences. This study offers strategic insights for Bank Muamalat and other Islamic banks in comprehending consumer behavior. Strategies to enhance customer loyalty should concentrate on bolstering brand awareness and fostering great consumer experiences, both online and through direct engagement. A more comprehensive approach is required to enhance the influence of brand image as a determinant of consumer loyalty. Consequently, the findings of this study can serve as a foundation for formulating more efficacious marketing and service strategies to enhance client loyalty within the Islamic banking sector.
The Influence of Perceived Ease of Use, Benefits, and Financial Literacy on Digital Banking Adoption with Trust as a Mediating Variable Putri Yulia Salsabilla; Feri Dwi Riyanto; Irmayanti Hasan
Jurnal Ecogen Vol. 9 No. 1 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i1.63

Abstract

Despite the high digital engagement of the younger generation, a research gap exists regarding how psychological perceptions and financial knowledge interact to drive actual banking behavior in specific regional contexts. This study aims to analyze the effect of perceived ease of use, perceived usefulness, and financial literacy on digital banking usage, with trust as a mediating variable among Generation Z students in Malang. This research employs a quantitative approach with an associative research design.  Data were gathered via a 5-point Likert-scale survey administered to 100 participants from five prominent universities in Malang. Analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS software. The results indicate that perceived ease of transaction, usefulness, and financial literacy have a positive and significant effect on digital banking adoption. Furthermore, these variables also have a considerably positive influence on trust. Trust is confirmed to have a substantial positive impact on digital banking usage and significantly mediates the relationship between perceived ease of transaction, perceived benefits, financial literacy, and use of digital banking. In summary, the results indicate that perceived ease of use, benefits, and financial literacy either directly or via mediating power of trust as key drivers in promoting digital banking uptake among Generation Z students.