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PENGARUH KEMUDAHAN PENGGUNAAN KEPUASAN NASABAH TERHADAP LOYALITAS NASABAH BANK SWASTA Risnah Pujawaty; Tirton Nefianto
Global Journal of Management, Accounting, and Financial Studies, e-ISSN: 3109-1539 Vol. 2 No. 1 (2026)
Publisher : Mellbaou Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/gama.v2i1.6

Abstract

This study aims to determine the effect of ease of use and customer satisfaction on customer loyalty to the myBCA application in the Greater Jakarta area. The independent variables consist of ease of use and customer satisfaction, while the dependent variable consists of customer loyalty. The research population consists of all BCA customers who actively use the myBCA application in the Jabodetabek area. The sample size is 120 people, selected using non-probability sampling based on purposive sampling. Data collection was conducted through the distribution of questionnaires using a 5-point Likert scale. Data analysis techniques used multiple linear regression analysis. The results of this study prove that ease of use has an influence on customer loyalty, customer satisfaction has an influence on customer loyalty, and ease of use and satisfaction together have a very strong positive impact on the loyalty of myBCA app users in the Greater Jakarta area.
THE EFFECT OF INFLUENCER ENDORSEMENT, PRICE DISCOUNTS, AND PRODUCT QUALITY ON PURCHASING DECISIONS IN THE TIKTOK SHOP APPLICATION Yosep Budiman; Tirton Nefianto
Global Journal of Management, Accounting, and Financial Studies, e-ISSN: 3109-1539 Vol. 2 No. 1 (2026)
Publisher : Mellbaou Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/gama.v2i1.7

Abstract

This study aims to determine the effect of Influencer Endorsement, Price Discounts, Product Quality on Purchasing Decisions on the Tiktok Shop Application in the West Jakarta area. The independent variables consist of Influencer Endorsement, Price Discounts, Product Quality, while the dependent variable consists of Purchasing Decisions. The population in this study were those who used the Tiktok Shop application around the West Jakarta area. The sample in this study amounted to 160 respondents using non-probability sampling based on purposive sampling. Data collection was carried out by distributing questionnaires using the 5 Point Likert Scale. The data analysis technique used multiple linear regression analysis. The results of this study prove that Influencer Endorsement has an influence on Purchasing Decisions, Price Discounts have an influence on Purchasing Decisions, Product Quality has an influence on Purchasing Decisions, Then Influencer Endorsement, Price Discounts, Product Quality, together have a positive and significant effect on Purchasing Decisions using the Tiktok Shop application around the West Jakarta area. The practical implications of this study suggest that business actors utilizing the TikTok Shop platform should consider an integrated marketing strategy, particularly through the selection of influencers relevant to the target market, the implementation of targeted and periodic discount programs, and improving product quality in accordance with consumer expectations. The combination of these three factors has been shown to encourage consumers to make purchasing decisions more quickly and confidently.
Efektivitas Pembiayaan Murabahah dan Musyarakah dalam Mendukung Pengembangan Sektor Bisnis: Sebuah Kajian Konseptual untuk UMKM di Indonesia Susi Marni; Tirton Nefianto; Danny Kunto Wibisono; Nani Cahyani; Andre Suryaningprang
Jurnal Locus Penelitian dan Pengabdian Vol. 5 No. 9 (2026): JURNAL LOCUS: Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v5i9.6371

Abstract

Artikel ini mengkaji sejauh mana pembiayaan murabahah dan musyarakah mampu mendukung pengembangan sektor bisnis, khususnya usaha mikro, kecil, dan menengah (UMKM). Melalui kajian literatur terhadap sejumlah penelitian terdahulu, artikel ini membandingkan karakter akad, tingkat risiko, dan dampaknya terhadap kinerja usaha, lalu menyusun sebuah kerangka konseptual pemilihan akad. Berbeda dari anggapan umum bahwa murabahah selalu mendominasi, data Statistik Perbankan Syariah OJK menunjukkan porsi musyarakah pada perbankan syariah nasional kini setara bahkan melampaui murabahah di tingkat agregat, sementara dominasi murabahah lebih terlihat pada segmen konsumtif dan mikro. Pola yang muncul cukup konsisten: murabahah unggul dari sisi kepastian angsuran, kesederhanaan implementasi, dan risiko yang terukur, sehingga sesuai untuk kebutuhan modal kerja rutin; musyarakah lebih menonjol dalam mendorong pertumbuhan usaha karena mengandalkan kemitraan dan pembagian risiko, meskipun menuntut pendampingan dan tata kelola yang lebih matang. Beberapa studi yang dirujuk, termasuk kajian pada Bank Syariah Indonesia di Metro dan Bandar Lampung, memperlihatkan kenaikan pendapatan dan kapasitas produksi UMKM setelah pembiayaan musyarakah disalurkan, terutama pada konteks pemulihan ekonomi pascapandemi. Namun sejumlah kajian juga mencatat bahwa skema bagi hasil belum diterapkan luas karena kompleksitas pengawasan dan risiko asimetri informasi. Artikel ini menyimpulkan bahwa kedua akad sebaiknya diposisikan sebagai instrumen yang saling melengkapi sesuai karakter usaha dan tahap pertumbuhannya, serta mengusulkan kerangka dan proposisi yang dapat diuji secara empiris pada penelitian lanjutan.