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DETERMINANTS OF CUSTOMER LOYALTY AT BANK SYARIAH INDONESIA (BSI) SUNGAI PENUH SUB-BRANCH OFFICE: THE ROLE OF SERVICE QUALITY AND TRUST Eva Sumanti; Endah Sri Wahyuni; Elex Sarmigi; Azhar Azhar; Eka Putra
INTEGRATIVE : Journal of Economics, Management, Business and Accounting Vol. 1 No. 2 (2026): Journal of Economics, Management and Accounting Studies
Publisher : CV. Visionary Raya Sakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67983/integrative.v1i2.84

Abstract

Research Objectives: This study aims to examine the effects of service quality and trust on customer loyalty at Bank Syariah Indonesia (BSI) Sungai Penuh Sub-Branch Office.​ Design/ Methodology / Approach Research: This study employed a quantitative approach using a survey method. Data were collected from 60 customers selected through accidental sampling. The research instrument was tested for validity and reliability, and the data were analyzed using multiple linear regression, partial (t-test), simultaneous (F-test), and coefficient of determination (R²) with IBM SPSS Statistics.​ Research Results: The findings indicate that service quality does not have a significant effect on customer loyalty. In contrast, trust has a positive and significant effect on customer loyalty. Furthermore, service quality and trust simultaneously have a significant effect on customer loyalty. The regression model explains 64.5% of the variation in customer loyalty, while the remaining 35.5% is explained by other factors outside the research model.​ Implications of Research Results: The findings suggest that strengthening customer trust is more important than merely improving service quality in enhancing customer loyalty. Therefore, Bank Syariah Indonesia should prioritize strategies that reinforce trust through transparent communication, secure banking services, and consistent implementation of Sharia principles while maintaining high service quality.​
Manajemen Kurikulum Kombinasi Berbasis Karakter Religius: : Strategi & Dampaknya Terhadap Mutu Lulusan di SMP Negeri 18 Lebong Deri Wanto; Hamengkubuwono; Eka Putra; Nadila Peratiwi
At Turots: Jurnal Pendidikan Islam Vol. 8 No. 2 Desember (2026): At Turots: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Ilmu Tarbiyah Madani Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51468/jpi.v8i2.1641

Abstract

The quality of graduates serves as a central benchmark in evaluating educational outcomes at the secondary school level. In contemporary educational contexts, graduate quality encompasses not only academic attainment but also the moral integrity and spiritual values demonstrated by students in daily life. This study aims to investigate the implementation of combined curriculum management grounded in religious character education at SMP Negeri 18 Lebong, identify the strategies applied in embedding religious values within curriculum governance, and assess their influence on graduate quality. A qualitative case study design was employed, engaging the school principal, vice principal for curriculum affairs, classroom teachers, and students as research participants. Data were gathered through in depth interviews, structured observations, and document analysis, and subsequently analyzed using Miles and Huberman interactive model encompassing data reduction, data display, and conclusion drawing. Data credibility was ensured through source and method triangulation, member checking, and audit trail procedures. Findings reveal that combined curriculum management integrating religious character was enacted through the development of religiously informed curriculum plans, instructional practices that connect academic content with moral principles, and systematic habituation programs such as IMTAQ activities, congregational Dhuhr prayer, and Dhuha prayer. These initiatives contributed to measurable improvements in graduate quality across academic performance, character development, and social behavior. The study concludes that systematically embedding religious values into curriculum management constitutes a strategic framework for elevating educational outcomes and cultivating a character-oriented school culture.