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Pengaruh Technolgy Acceptance Model terhadap Minat Mahasiswa Menggunakan Quick Response Code Indonesian Standard (QRIS)  sebagai Cashless Society Wirda Seputri; Andri Soemitra; Nur Ahmadi Bi Rahmani
MES Management Journal Vol. 2 No. 1 (2023): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (909.42 KB) | DOI: 10.56709/mesman.v2i1.57

Abstract

The purpose of this study was to determine the effect of perceived trust, perceived benefits, perceived ease of use, and perceived risk on interest in using QRIS as a digital payment instrument. This study uses a quantitative approach. Collecting data using a questionnaire with a simple random sampling technique as many as 98 respondents. Perceived trust, perceived benefits, perceived ease of use and perceived risk have a contribution of 71% to interest in using QRIS, the remaining 29% is explained by other variables outside this research model. The results of the t-test concluded that the variables of perceived trust, perceived benefits, perceived ease of use and perceived risk had a positive and significant effect on interest in using QRIS in Febi Uinsu Medan students. Based on the ANOVA test, the F-count obtained is 60.471 which is greater than the F-table (2.47), the results of the hypothesis indicate that the variable perception of trust with a sign value of 0.000, perceived ease of use with a sign value of 0.033, perceived usefulness with a sign value of 0.13, and the perception of the risk of the 0.000 sign partially affects the interest in using QRIS. So it can be concluded that the perception of trust, perceived benefits, perceived ease of use and perceived risk simultaneously influence the interest in using Quick Response Code Indonesian Standard (QRIS) as a digital payment instrument. Keywords: Consumer Perception, Interests, Qris, Digital Payment Instruments.
Pengaruh Leverage, Profitabilitas, dan Likuiditas terhadap Earning Response Coefficient (ERC) pada PT BSI Tbk Riky Dermawan Sipahutar; Yusrizal Yusrizal; Nur Ahmadi Bi Rahmani
Reslaj : Religion Education Social Laa Roiba Journal Vol 5 No 6 (2023): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v5i6.1067

Abstract

This study aims to empirically examine the effect of Leverage, Profitability, and Liquidity on the Earning Response Coefficient (ERC) in Islamic banking companies. Data collection techniques using documentation and data analysis techniques using purposive sampling. Earning Response Coefficient (ERC) is a type of dependent variable that can be useful in research. However, the variables that are independent in this research are Leverage, Profitability, and Liquidity. The method used in this research is multiple linear regression analysis. This study uses a tool that is IBM SPSS Statistics 20 software program. The results of this study can be interpreted that simultaneously there is a positive and significant direct effect, namely Leverage, Profitability, and Liquidity on the Earning Response Coefficient. While partially Leverage has a significant negative effect on the Earning Response Coefficient, profitability has a significant positive effect on the Earning Response Coefficient, liquidity has no significant effect on the Earning Response Coefficient. Keywords: Leverage, Profitability, Liquidity, Earning Response Coefficient (ERC), Bank Syariah Indonesia.
THE INFLUENCE OF BRAND IMAGE AND SOCIAL STUDENTS ENVIRONMENT ON THE INTEREST TO BE A CUSTOMER OF INDONESIAN SHARIA BANK WITH KNOWLEDGE AS A MODERATING VARIABLE Mhd Adjie Massad; Nurbaiti; Nur Ahmadi Bi Rahmani
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 1 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i1.9455

Abstract

The low interest of the Indonesian people in utilizing Islamic banks is the driving force behind this research. This is indicated by the market share of Islamic banking of 6.52 per cent in 2021. With knowledge as a moderator variable at UIN Sumatra Utara (student case study), this study aimed to determine the effect of a person's social environment and brand image on their desire to save in Islamic banks. This study uses quantitative survey questionnaire data and smartPLS software for PLS (Partial et al.) analysis. This study had 100 respondents who were all students of UIN Sumatra Utara. Practical sampling was used to select individual categories, and non-probability sampling was used. The research findings show that a person's social environment impacts their willingness to save in Islamic banks; However, a person's brand image does not impact their desire to save in an Islamic bank, and there is no knowledge moderating variable. By adjusting the influence of this brand image, Islamic banks can moderate the influence of the social environment on the willingness to save. It is hoped that UIN Sumut students will be more interested in information and brands related to Sharia banking, especially those targeting Muslims, as a result of this finding. They will be able to switch to Islamic banking products recommended by the Qur'an and Hadith, and they will also be able to allow other researchers to look for additional independent variables that were not examined in this study and identify population groups that are different from one another.
Pengaruh Kepemimpinan, Kompetensi dan Organizational Citizenship Behavior terhadap Kinerja Karyawan dengan Motivasi sebagai Variabel Intervening pada Bank Sumut Syariah Cabang Brigjend Katamso Siti Nurhamsiah; Muhammad Yafiz; Nur Ahmadi Bi Rahmani
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i1.4571

Abstract

Human resources are an important factor for the company, because they serve as a driving force for the company's operations. Factors that can measure employee performance are leadership, competence, organizational citizenship behavior (OCB), and motivation. The purpose of this study was to find out how much influence leadership, competence, organizational citizenship behavior (OCB), and motivation have on employee performance at Bank Sumut Syariah Brigjend Katamso Branch. This study uses three independent variables, namely leadership, competence, and organizational citizenship behavior (OCB). Motivation as an intervening variable and employee performance as the dependent variable. The sampling method uses saturated sampling technique. The samples obtained were 30 respondents. The results showed that leadership had no significant effect on motivational variables, competency variables had a positive and significant effect on motivational variables, organizational citizenship behavior had a positive and significant effect on motivational variables, leadership variables had no significant effect on employee performance variables, competency variables had no effect positive and significant on employee performance variables, organizational citizenship behavior variable has no positive and significant effect on employee performance variables, motivational variables have no positive and significant effect on employee performance variables, leadership variable through motivational variables indirectly does not have a positive effect on employee performance variables, competency variable through motivational variable indirectly has no positive effect on employee performance variable, organizational citizenship behavior variable through motivational variable indirectly has no significant positive effect on employee performance variable. Keywords: leadership, competence, organizational citizenship behavior, employee performance, motivation
Pengaruh Harga, Kualitas Produk, Diskon Dan Kualitas Pelayanan terhadap Keputusan Pembelian dengan Word of Mouth Sebagai Variabel Moderating pada Toko Mustika Hijab Nur Ahmadi Bi Rahmani; Juliana Nasution; Sucita Alfiani
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 3 No 3 (2023): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v3i3.3964

Abstract

Business competition and the development of Muslim fashion are currently so rapid in Indonesia along with increasing business competition, consumers are increasingly careful in choosing products, meaning that stores must create creative innovations. This research was conducted using a quantitative approach by considering four independent variables, namely price (X1), product quality (X2), discounts (X3), and service quality (X4). Then one moderating variable, namely Word of Mouth (Z). The sample of this study consisted of 84 people who had bought goods at Mutsika Hijab Stores. The data for this study were collected through primary methods through questionnaires. Data analysis techniques used include validity, reliability and classic assumption tests, as well as hypothesis testing and MRA testing. The results of the study found that price had a positive effect on purchasing decisions, while product quality, discounts and word of mouth had no significant effect. Service Quality, on the other hand, was found to have a positive effect on purchase decisions. Keywords: Price, Product Quality, Discount, Service Quality, Purchasing Decision, Word of Mouth.