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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi, Bisnis dan Manajemen Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Bisnis Inovatif dan Digital Jurnal Bisnis, Ekonomi Syariah dan Pajak International Journal of Islamic Finance (IJIF)
LIDIA DESIANA
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences Other

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Pengaruh Service Excellent dan Relationship Marketing Terhadap Kepuasan Nasabah PT. Bank Sumsel Babel Syariah Kantor Cabang Palembang Amelia Vinka Irawan; Septina Mirati; Lidia Desiana
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 3 No. 4 (2024): Desember : Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v3i4.2770

Abstract

This study aims to determine how much influence Service Excellent and Relationship Marketing have on Customer Satisfaction of PT Bank Sumsel Babel Syariah KC Palembang. The population in this study amounted to 5239 customers with incidental sampling method using the formula obtained a sample of 100 respondents. This research uses quantitative methods, primary data which is then processed using IBM SPSS 25. The T test results show that service excellent has a significant effect on customer satisfaction, relationship marketing has a significant effect on customer satisfaction, service excellent and relationship marketing have a joint effect on customer satisfaction. Proven by the coefficient of determination of 63.8% while the remaining 36.2% is influenced by other variables.
Optimalisasi Lembaga Keuangan Syariah Dalam Era Digital Untuk Memajukan Industri Teknologi Bagi Generasi Z Maulydia Anggraini; Desy Safitri; Lidia Desiana
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 2 No. 1 (2025): Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v2i1.612

Abstract

In the rapidly developing digital era, Sharia Financial Institutions (LKS) have a great opportunity to innovate and adapt to modern technology to support economic growth, especially for Generation Z. This research aims to identify optimization steps that can be taken by LKS in facing transformation digital, as well as exploring the role of sharia financial technology (fintech) in advancing the technology industry. Generation Z, as a highly tech-savvy group, has different needs and preferences than previous generations. Therefore, LKS is required to integrate digital-based financial services that are in accordance with sharia principles, so that they can be more attractive and serve this segment. This research uses a qualitative approach with literature studies and in-depth interviews with industry practitioners. The research results show that collaboration between LKS and sharia fintech, development of inclusive digital platforms, and increasing sharia financial literacy among Generation Z are key factors in advancing the sharia technology industry. This optimization will not only increase the competitiveness of LKS, but also support the sustainable development of the sharia digital economy.
Penerapan Sosial Media dan Brand Image terhadap Pemasaran Produk Bank Syariah Erika Amalia; Hadilla Maryati; Lidia Desiana
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 1 No. 4 (2024): Desember : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v1i4.672

Abstract

As technology rapidly advances, the internet and social media have become an integral part of everyday life. Social media, which has evolved significantly since the Web 2.0 and 3.0 eras, plays a crucial role in communication and marketing. In this context, Bank Syariah Indonesia utilizes social media as a marketing tool to reach customers, particularly the millennial generation, who are highly reliant on digital technology. This study aims to explore the application of social media in the marketing of Islamic bank products and how brand image influences customer decisions. The use of social media platforms such as Instagram, Facebook, Twitter, and TikTok allows the Islamic bank to introduce products and expand its market reach more efficiently. Furthermore, the research indicates that marketing through social media significantly influences consumer purchase intent and strengthens brand image. The bank's brand image is also influenced by product quality, responsive customer service, and the company's reputation, all of which contribute to increased customer trust. With the right digital marketing strategy, the Islamic bank can enhance operational efficiency, strengthen its market position, and provide better services to customers.
The Effect Of Perceived Usefulness and Perceived Convenience on Customer Decision in Using BSI Mobile Shalihah, Bunga Mar'atush; Lidia Desiana; Fernando Africano
International Journal of Islamic Finance Vol. 2 No. 1 (2024): May 2024
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v2i1.2204

Abstract

Customer decisions are very important for a bank, meaning that a bank must maintain a good reputation in order to create a positive perception for society and customers. Mobile banking is one of the services provided by banking companies to make it easier for customers to make transactions. In using mobile banking, of course it is based on the customer's perception of a service, therefore there are several things that are measured in determining the customer decision, namely perceived usefulness and perceived convenience. This study aims to determine the effect of perceived usefulness and perceived convenience on customer decisions in using BSI Mobile. Collection of customer questionnaires measured using a Likert scale is a data collection method in this study. The population of customers who use BSI Mobile in this study is 6,701 people with the characteristics of active customers who use BSI Mobile in their daily transactions, and the number of samples in this study is 100 people who are determined from the sampling technique, namely purposive sampling. The results obtained using the t test (partial) show that perceived usefulness and perceived convenience have a positive and significant effect on customer decisions in using BSI Mobile.
Pengaruh Cinta Uang, Literasi Keuangan, dan Sikap Keuangan terhadap Manajemen Keuangan Pribadi pada Generasi Z : (Survei pada Mahasiswa/i Komunitas GenBI Sumatera Selatan) Intan Nurjanah; Hilda Hilda; Lidia Desiana
Jurnal Bisnis Inovatif dan Digital Vol. 2 No. 3 (2025): Juli : Jurnal Bisnis Inovatif dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jubid.v2i3.629

Abstract

The accelerated progress in technology alongside the global integration of digital trends have significantly shaped the financial behavior of Generation Z. This demographic often displays short-term financial tendencies, such as impulsive spending, the adoption of the “You Only Live Once” (YOLO) mindset, and doom spending, which often undermines long-term financial planning. This study seeks to examine the extent to which love of money, financial literacy, and financial attitude influence personal financial management among members of GenBI South Sumatra. Information was obtained via surveys distributed to 63 participants, proportionally selected from a total population of 175 students from UIN Raden Fatah, Sriwijaya University, and Sriwijaya State Polytechnic. The study employed a quantitative research design using Structural Equation Modeling (SEM) method with the SmartPLS 3.2.9 software. The data reveal that love of money, financial literacy, and financial attitude each have a positive and statistically significant impact on the personal financial management of Generation Z.
Pengaruh Islamic Corporate Governance, Kompleksitas Bank dan Sharia Compliance Terhadap Fraud Pada Unit Usaha Syariah septiatin, aziz; Aryanti; Lidia Desiana; Sri Delasmi Jayanti
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Terdapat kasus kecurangan internal di Unit Usaha Syariah di Indonesia, seperti kasus yang terjadi di Maybank Indonesia, yaitu contoh perampokan dana nasabah Maybank senilai Rp22 miliar. Purbaya menegaskan bahwa dalam kasus ini terdapat kesalahan pada standar operasional prosedur (SOP), termasuk dalam kasus kecurangan perbankan tahun 2020. Penelitian ini bertujuan untuk mengkaji pengaruh ICG, Kompleksitas Bank, dan Kepatuhan Syariah terhadap kecurangan di Unit Usaha Syariah di Indonesia pada periode 2018-2023. Jenis penelitian ini adalah penelitian kuantitatif. Metode pemilihan sampel dalam penelitian ini menggunakan teknik purposive sampling. Sampel yang digunakan adalah 12 dari 20 Unit Usaha Syariah di Indonesia untuk periode 2018-2023. Data yang digunakan adalah data sekunder. Metode analisis yang digunakan adalah analisis regresi linier berganda dengan menggunakan program SPSS versi 21. Berdasarkan hasil pengujian hipotesis yang dilakukan dalam penelitian ini, dapat disimpulkan bahwa secara parsial hanya Kepatuhan Syariah yang berpengaruh terhadap kecurangan di Unit Usaha Syariah di Indonesia pada periode 2018-2023. Sementara itu, ICG dan kompleksitas bank tidak berpengaruh terhadap kecurangan di Unit Usaha Syariah di Indonesia pada periode tersebut.
Co-Authors Africano, Fernando Amelia Vinka Irawan Aryanti Desy Safitri Erika Amalia Hadilla Maryati Hilda Hilda Intan Nurjanah Maulydia Anggraini Septiatin, Aziz Septina Mirati Shalihah, Bunga Mar'atush Sri Delasmi Jayanti