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All Journal Laa Maisyir Jurnal Ekonomi Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Hukum Ekonomi Syariah AGRISCIENCE Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah
Yusup, Akhmad
Universitas Islam Bandung, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Secondary Data Analysis on the Impact of Corporate Social Responsibility (CSR) towards the Competitiveness of Sharia Corporations in the International Market Yusup, Akhmad; Popon Srisusilawati; Cecep Soleh Kurniawan
LAA MAISYIR: Jurnal Ekonomi Islam Vol.11 No. 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v11i2.53774

Abstract

In an era where corporate ethics are increasingly scrutinized, the question arises: can social responsibility truly enhance a company's competitive edge? This study aims to analyze the impact of Corporate Social Responsibility (CSR) on the competitiveness of Sharia companies in the international market. Using a quantitative approach and secondary data from 30 Sharia companies listed on the stock exchange during the period of 2015-2023, this research found a significant positive relationship between CSR and the competitiveness of companies. The regression analysis results indicate that each one-unit increase in CSR value is associated with a 0.45 unit increase in company competitiveness. These findings suggest that Sharia companies actively engaged in CSR not only enhance their reputation but also strengthen their position in the international market. This research contributes significantly to the understanding of the role of CSR in the business strategies of Sharia companies.
Pengaruh Harga Saham, ROA, dan PBV terhadap Volume Perdagangan Teguh Setia Permana; Akhmad Yusup
Jurnal Riset Perbankan Syariah Volume 4, No. 1, Juli 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i1.6631

Abstract

Abstrak. Industri perbankan syariah di Indonesia telah tumbuh signifikan, seiring meningkatnya minat masyarakat terhadap investasi syariah. Meskipun demikian, tantangan tetap ada dalam memahami faktor-faktor yang mempengaruhi volume perdagangan saham. Penelitian ini bertujuan menganalisis pengaruh harga saham, Return on Asset (ROA), dan Price Book Value (PBV) terhadap volume perdagangan saham perbankan syariah yang terdaftar di Bursa Efek Indonesia selama 2020-2023, untuk memberikan wawasan bagi investor dan pemangku kepentingan dalam pengambilan keputusan investasi. Metode penelitian yang digunakan adalah analisis kuantitatif dengan pendekatan regresi data panel. Data yang digunakan dalam penelitian ini diambil dari laporan keuangan perusahaan dan data pasar saham yang relevan. Hasil penelitian menunjukkan secara parsial bahwa Return on Asset (ROA) memiliki pengaruh terhadap Volume perdagangan saham, karena nilai Prob nya 0.0000 < 0,05. Sementara itu, Harga Saham dan PBV tidak berpengaruh terhadap volume perdagangan saham. Secara simultan Harga Saham, Return on Asset (ROA), dan Price to Book Value (PBV) secara bersama-sama memiliki pengaruh yang signifikan terhadap Volume Perdagangan Saham. Hal ini terbukti dengan nilai F hitung sebesar 18,43889 dan nilai prob sebesar 0.000000, yang lebih kecil dari 0,05.   Abstract. Sharia banking industry in Indonesia has grown significantly, along with increasing public interest in sharia investment. However, there are still challenges in understanding the factors that influence stock trading volume. This research aims to analyze the influence of share prices, Return on Assets (ROA), and Price Book Value (PBV) on the trading volume of Islamic banking shares listed on the Indonesia Stock Exchange during 2020-2023, to provide insight for investors and stakeholders in making decisions. investment decisions. The research method used is quantitative analysis with a panel data regression approach. The data used in this research were taken from company financial reports and relevant stock market data. The research results show partially that Return on Assets (ROA) has an influence on stock trading volume, because the Prob value is 0.0000 < 0.05. Meanwhile, share price and PBV have no effect on share trading volume. Simultaneously, Stock Price, Return on Assets (ROA), and Price to Book Value (PBV) together have a significant influence on Stock Trading Volume. This is proven by the calculated F value of 18.43889 and the prob value of 0.000000, which is smaller than 0.05.
Tinjauan Fikih Muamalah dan UU Perlindungan Konsumen terhadap Praktik Fake Order Nurjanah, Nurjanah; Surahman, Maman; Akhmad Yusup
Jurnal Riset Ekonomi Syariah Volume 5, No. 1, Juli 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i1.6494

Abstract

Abstrak. Di era digital, jual beli online semakin populer, namun menghadirkan tantangan seperti persaingan ketat antar pelaku bisnis. Penelitian ini fokus pada praktik fake order yang dilakukan oleh toko Fd23_Fashion untuk meningkatkan transaksi dan penilaian toko. Praktik ini, meskipun menarik bagi pengunjung, dapat merugikan konsumen dan merusak reputasi toko. Penelitian ini menggunakan metode kualitatif dengan pendekatan field research, melalui observasi, wawancara, dan studi pustaka. Hasil penelitian menunjukkan bahwa dari segi fikih muamalah, praktik ini termasuk bai' najasy, yang dianggap manipulatif dan tidak jujur. Sementara itu, menurut Undang-Undang Perlindungan Konsumen (UUPK), praktik fake order ini melanggar hukum, sebagaimana diatur dalam Pasal 4 poin c yang menyatakan bahwa konsumen berhak memperoleh informasi yang benar, jelas, dan jujur mengenai produk. Selain itu, Pasal 7 poin a, b, dan c menekankan bahwa pelaku usaha harus beritikad baik, memberikan informasi yang akurat, serta melakukan pelayanan yang jujur dan tidak diskriminatif. Penelitian ini menegaskan pentingnya etika dalam bisnis online untuk menjaga kepercayaan konsumen dan kelangsungan usaha. Abstract. In the digital era, online buying and selling is increasingly popular, but it presents challenges such as fierce competition between business people. This research focuses on the practice of fake orders carried out by Fd23_Fashion stores to increase transactions and store valuations. This practice, while appealing to visitors, can harm consumers and damage the store's reputation. This study uses a qualitative method with a field research approach, through observation, interviews, and literature studies. The results of the study show that in terms of muamalah fiqh, this practice includes bai' najasy, which is considered manipulative and dishonest. Meanwhile, according to the Consumer Protection Law (UUPK), this practice of fake orders is unlawful, as stipulated in Article 4 point c which states that consumers have the right to obtain true, clear, and honest information about products. In addition, Article 7 points a, b, and c emphasize that business actors must be in good faith, provide accurate information, and provide honest and non-discriminatory services. This research emphasizes the importance of ethics in online business to maintain consumer trust and business continuity.
Pengaruh Promosi, Keterjangkauan, dan Reputasi BSI terhadap Pemahaman Nasabah dalam Menggunakan Pembiayaan Syariah Muhammad Rifqi Suhana; Eva Misfah Bayuni; Akhmad Yusup
Bandung Conference Series: Syaria Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.18677

Abstract

Abstract. The lack of public understanding of Islamic financing products remains a major obstacle in the development of Islamic finance in Indonesia. This study aims to analyze the influence of social media promotion, product affordability, and the reputation of Bank Syariah Indonesia (BSI) on customers’ understanding in using Islamic financing products. A quantitative approach with survey techniques was employed by distributing questionnaires to 77 respondents in Kampung Babakan Village, Ciburial Village Subdistrict, Cimenyan District, Bandung Regency. Data analysis was conducted using multiple linear regression assisted by SPSS version 23. The results indicate that both simultaneously and partially, social media promotion,the affordability of products,and BSI’s reputation significantly affect customer understanding. The simultaneous test significance value of 0.000 shows that all three independent variables have a real impact on the dependent variable. Furthermore, the Adjusted R Square value of 0.812 indicates that 81.2% of variations in customer understanding can be explained by these three variables while the remaining 18.8% is influenced by other factors outside this research model. These findings emphasize the importance of effective promotional strategies through social media, easy access to affordable financing products,and a positive reputation from Islamic financial institutions as key factors shaping public understanding. These three aspects complement each other and can serve as a foundation for enhancing literacy and expanding the useof Islamic financing products more broadly among society. Abstrak. Kurangnya pemahaman masyarakat terhadap produk pembiayaan syariah masih menjadi kendala utama dalam pengembangan keuangan syariah di Indonesia. Penelitian ini bertujuan untuk menganalisis pengaruh promosi melalui media sosial, keterjangkauan produk, dan reputasi Bank Syariah Indonesia (BSI) terhadap tingkat pemahaman nasabah dalam menggunakan produk pembiayaan syariah. Pendekatan kuantitatif dengan teknik survei digunakan, dimana kuesioner dibagikan kepada 77 responden di Kampung Babakan, Desa Ciburial, Kecamatan Cimenyan, Kabupaten Bandung. Analisis data dilakukan menggunakan regresi linier berganda dengan aplikasi SPSS versi 23. Hasil penelitian menunjukkan bahwa promosi media sosial, keterjangkauan produk, dan reputasi Bank BSI berpengaruh signifikan terhadap pemahaman nasabah. Nilai signifikansi uji simultan sebesar 0,000 mengindikasikan bahwa ketiga variabel independen memiliki pengaruh nyata terhadap variabel dependen. Nilai Adjusted R Square sebesar 0,812 menunjukkan bahwa 81,2% variasi pemahaman nasabah dapat dijelaskan oleh ketiga variabel tersebut; sisanya sebesar 18,8% dipengaruhi oleh faktor lain di luar model penelitian ini. Temuan ini menegaskan pentingnya strategi promosi yang efektif melalui media sosial, kemudahan akses terhadap produk pembiayaan yang terjangkau serta reputasi positif lembaga keuangan syariah sebagai faktor kunci dalam membentuk pemahaman masyarakat. Ketiga aspek tersebut saling melengkapi dan dapat dijadikan dasar untuk meningkatkan literasi serta memperluas penggunaan produk pembiayaan syariah secara lebih luas di kalangan masyarakat.
Pengaruh Strategi Pemasaran Terhadap Minat Gadai Emas di Bank Syariah Indonesia KCP Cianjur Ciranjang 10010321023, Risma Junita Khaerunnisa; Popon Srisusilawati; Akhmad Yusup
Bandung Conference Series: Syariah Banking Vol. 5 No. 1 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.18688

Abstract

Abstract. As competition in the Islamic banking industry increases, PT Bank Syariah Indonesia Tbk KCP Cianjur Ciranjang continues to innovate in marketing strategies to increase customer interest in gold pawn products. This product is a practical Islamic financial solution to meet short-term liquidity needs. Customer interest is not only influenced by marketing strategies, but also fluctuations in gold prices. Increasing gold prices increase the collateral value, thus attracting interest, while price decreases raise doubts. This study aims to analyze the influence of marketing strategies on customer interest in using gold pawn products by considering gold price fluctuations. The method used is quantitative using simple linear regression analysis and using questionnaires to 100 BSI customer respondents KCP Cianjur Ciranjang. Data analysis using SPSS, including validity tests, reliability tests, classical assumption tests, simple linear regression, and hypothesis tests. The results show that marketing strategies have a positive and significant effect on customer interest. Strategies such as product convenience, competitive costs, service access, and direct promotions are effective in increasing interest. The coefficient of determination of 71% indicates that marketing strategies significantly influence interest, while 29% is influenced by other factors including gold price fluctuations. Keywords: Marketing Strategy, Customer Interest, Gold Pawn Abstrak. Seiring meningkatnya persaingan di industri perbankan syariah, PT Bank Syariah Indonesia Tbk KCP Cianjur Ciranjang terus berinovasi dalam strategi pemasaran untuk meningkatkan minat nasabah terhadap produk gadai emas. Produk ini menjadi solusi keuangan syariah yang praktis dalam memenuhi kebutuhan likuiditas jangka pendek. Minat nasabah tidak hanya dipengaruhi strategi pemasaran, tetapi juga fluktuasi harga emas. Kenaikan harga emas meningkatkan nilai jaminan sehingga menarik minat, sementara penurunan harga menimbulkan keraguan. Penelitian ini bertujuan menganalisis pengaruh strategi pemasaran terhadap minat nasabah menggunakan produk gadai emas dengan mempertimbangkan fluktuasi harga emas. Metode yang digunakan adalah kuantitatif dengan menggunakan analisis regresi linear sederhana juga menggunakan kuesioner terhadap 100 responden nasabah BSI KCP Cianjur Ciranjang. Analisis data menggunakan SPSS, meliputi uji validitas, reliabilitas, uji asumsi klasik, regresi linear sederhana, dan uji hipotesis. Hasil penelitian menunjukkan strategi pemasaran berpengaruh positif dan signifikan terhadap minat nasabah. Strategi berupa kemudahan produk, biaya kompetitif, akses layanan, dan promosi langsung efektif meningkatkan minat. Koefisien determinasi sebesar 71% menunjukkan strategi pemasaran memengaruhi minat secara signifikan, sedangkan 29% dipengaruhi faktor lain termasuk fluktuasi harga emas. Kata Kunci: Strategi Pemasaran, Minat Nasabah, Gadai Emas
Pengaruh Pertumbuhan Ekonomi, Inflasi, BI-Rate, dan Tingkat Bagi Hasil Terhadap Pembiayaan Mudharabah pada Bank Victoria Syariah Periode 2013-2024 10010321033, Muhmmad Noval; Akhmad Yusup; Yayat Rahmat Hidayat
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.20036

Abstract

Abstract. The Islamic banking industry in Indonesia has experienced significant progress, particularly reflected in the growth of financing through mudharabah contracts. However, mudharabah financing at Bank Victoria Syariah during the period 2013–2024 exhibited fluctuating patterns influenced by various internal and external factors. This study aims to analyze the effect of economic growth, inflation, BI-Rate, and profit-sharing rate on mudharabah financing both partially and simultaneously. A quantitative method was employed using secondary data from annual financial reports, analyzed with multiple linear regression through Eviews 12 software at a 5% significance level. The results indicate that partially, economic growth, BI-Rate, and profit-sharing rate have a significant negative effect on mudharabah financing, while inflation shows no significant effect. Simultaneously, all independent variables significantly influence mudharabah financing with an Adjusted R-squared value of 92.29%, indicating that these factors collectively explain 92.29% of the variation in mudharabah financing, while the remainder is affected by other factors outside the model. These findings provide important insights for managing mudharabah financing in Islamic banking Abstrak. Perkembangan industri perbankan syariah di Indonesia mengalami kemajuan signifikan, terutama terlihat dari pertumbuhan pembiayaan dengan akad mudharabah. Namun, pembiayaan mudharabah di Bank Victoria Syariah selama periode 2013–2024 menunjukkan pola fluktuatif yang dipengaruhi oleh berbagai faktor internal dan eksternal. Penelitian ini bertujuan untuk menganalisis pengaruh pertumbuhan ekonomi, inflasi, BI-Rate, dan tingkat bagi hasil terhadap pembiayaan mudharabah, baik secara parsial maupun simultan. Metode yang digunakan adalah kuantitatif dengan data sekunder berupa laporan keuangan tahunan, dianalisis menggunakan regresi linier berganda melalui perangkat lunak Eviews 12 dengan tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa secara parsial, pertumbuhan ekonomi, BI-Rate, dan tingkat bagi hasil berpengaruh negatif signifikan terhadap pembiayaan mudharabah, sementara inflasi tidak berpengaruh signifikan. Secara simultan, seluruh variabel independen berpengaruh signifikan dengan nilai Adjusted R-squared sebesar 92,29%, menunjukkan bahwa faktor-faktor tersebut bersama-sama menjelaskan 92,29% variasi dalam pembiayaan mudharabah, sedangkan sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini memberikan wawasan penting bagi pengelolaan pembiayaan mudharabah di perbankan syariah.
Pengaruh NPF dan FDR terhadap CAR pada Unit Usaha Syariah Neng Khoerunisa Alawiyah; Nanik Eprianti; Akhmad Yusup
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8306

Abstract

Abstrak. Stabilitas keuangan bank sangat bergantung pada kemampuan bank dalam menahan risiko, yang diukur melalui Capital Adequacy Ratio (CAR). PT BPD DKI Syariah sebagai salah satu bank syariah di Indonesia menghadapi tantangan terkait pengelolaan risiko pembiayaan bermasalah yang tercermin dari Non-Performing Financing (NPF) serta pengelolaan likuiditas melalui Financing to Deposit Ratio (FDR). Penelitian ini bertujuan untuk menganalisis pengaruh NPF dan FDR terhadap CAR pada PT BPD DKI Syariah selama periode 2017-2024. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan tahunan. Analisis data dilakukan menggunakan regresi linier berganda untuk menguji hubungan antara variabel bebas (NPF dan FDR) dengan variabel terikat (CAR). Analisis data dilakukan menggunakan perangkat lunak statistik Eviews 12, dengan tingkat signifikansi uji pada taraf 5%. Hasil menunjukkan bahwa NPF berpengaruh negatif signifikan terhadap CAR (t = -2,591520; Sig. = 0,0152), sementara FDR berpengaruh negatif tidak signifikan (t = -0,254268; Sig. = 0,8012). Secara simultan, NPF dan FDR berpengaruh signifikan terhadap CAR (Sig. F = 0,033183. Penelitian ini memberikan wawasan baru mengenai integrasi analisis risiko pembiayaan dan likuiditas pada stabilitas keuangan bank syariah di Indonesia.   Abstract. The financial stability of a bank is highly dependent on the bank's ability to withstand risks, which is measured by the Capital Adequacy Ratio (CAR). PT BPD DKI Syariah as one of the Islamic banks in Indonesia faces challenges related to managing problematic financing risks as reflected in Non-Performing Financing (NPF) and liquidity management through the Financing to Deposit Ratio (FDR). This study aims to analyze the effect of NPF and FDR on CAR at PT BPD DKI Syariah during the 2017-2024 period. The research method uses a quantitative approach with secondary data in the form of annual financial reports. Data analysis was carried out using multiple linear regression to test the relationship between the independent variables (NPF and FDR) and the dependent variable (CAR). Data analysis was carried out using Eviews 12 statistical software, with a significance level of 5%. The results show that NPF has a significant negative effect on CAR (t = -2.591520; Sig. = 0.0152), while FDR has an insignificant negative effect (t = -0.254268; Sig. = 0.8012). This study provides new insights into the integration of financing and liquidity risk analysis on the financial stability of Islamic banks in Indonesia.
Analisis Faktor-Faktor yang Mempengaruhi Minat Menabung di Bank Syariah Titi Fitri Yanti; Ifa Hanifia Senjiati; Akhmad Yusup
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8391

Abstract

Abstrak. Penelitian ini bertujuan menganalisis pengaruh layanan, religiusitas, marketing mix, reputasi bank, pengaruh sosial dan keluarga, serta literasi keuangan syariah terhadap minat menabung mahasiswa di bank syariah. Sampel penelitian terdiri dari 150 mahasiswa Program Studi Perbankan Syariah Universitas Islam Bandung. Metode yang digunakan adalah kuantitatif dengan analisis Partial Least Square (PLS) menggunakan software SmartPLS 4. Hasil analisis parsial menunjukkan bahwa religiusitas, pengaruh sosial dan keluarga, serta literasi keuangan syariah berpengaruh positif dan signifikan terhadap minat menabung mahasiswa, dengan nilai t-statistik dan p-value yang memenuhi kriteria signifikan. Sebaliknya, layanan, marketing mix, dan reputasi bank tidak berpengaruh signifikan. Secara simultan, keenam variabel bebas tersebut mampu menjelaskan 50% variasi minat menabung mahasiswa (R² = 0,500). Temuan ini menegaskan bahwa faktor spiritualitas, lingkungan sosial, dan pemahaman keuangan syariah merupakan determinan utama dalam keputusan mahasiswa memilih bank syariah sebagai tempat menabung, melebihi aspek layanan, promosi, dan reputasi bank. Abstract. This study aims to analyze the influence of services, religiosity, marketing mix, bank reputation, social and family influence, and Islamic financial literacy on students' interest in saving at Islamic banks. The research sample consisted of 150 students from the Islamic Banking Study Program at Bandung Islamic University. The method used is quantitative with Partial Least Square (PLS) analysis using SmartPLS 4 software. The partial analysis results indicate that religiosity, social and family influence, and Islamic financial literacy have a positive and significant effect on students' interest in saving, with t-statistic values and p-values meeting the significance criteria. Conversely, services, marketing mix, and bank reputation did not have a significant effect. Simultaneously, the six independent variables were able to explain 50% of the variation in students' savings interest (R² = 0.500). These findings confirm that spiritual factors, social environment, and understanding of Islamic finance are the primary determinants in students' decisions to choose Islamic banks as savings institutions, surpassing aspects of service, promotion, and bank reputation.
Kualitas Layanan Mobile banking terhadap Kepuasan dan Loyalitas Nasabah Bank BTN Syariah Amelia Nurhaliza; Popon Srisusilawati; Akhmad Yusup
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8392

Abstract

Abstrak. Mobile banking merupakan layanan perbankan digital yang memudahkan nasabah melakukan transaksi tanpa harus datang ke bank. Namun, kualitas layanan mobile banking BTN Syariah masih dinilai rendah sehingga perlu dievaluasi pengaruhnya terhadap kepuasan dan loyalitas nasabah. Penelitian ini bertujuan menganalisis pengaruh kualitas layanan mobile banking terhadap kepuasan dan loyalitas nasabah BTN Syariah, baik secara langsung maupun melalui kepuasan sebagai variabel intervening. Metode penelitian menggunakan pendekatan kuantitatif dengan sampel 78 nasabah pengguna mobile banking BTN Syariah Cabang Bandung yang dipilih secara purposive sampling. Analisis data dilakukan menggunakan SEM-PLS dengan bantuan SmartPLS 4.1 serta pengukuran kualitas layanan berdasarkan model SERVQUAL. Hasil penelitian menunjukkan bahwa kualitas layanan mobile banking berpengaruh positif dan signifikan terhadap kepuasan nasabah, dan kepuasan nasabah berpengaruh signifikan terhadap loyalitas nasabah. Selain itu, kualitas layanan juga berpengaruh signifikan terhadap loyalitas baik secara langsung maupun tidak langsung melalui kepuasan nasabah. Temuan ini mengimplikasikan bahwa peningkatan kualitas layanan mobile banking menjadi faktor penting dalam meningkatkan kepuasan dan loyalitas nasabah BTN Syariah.   Abstract. Mobile banking is a digital banking service that enables customers to conduct transactions efficiently without visiting a bank branch. However, the quality of BTN Syariah’s mobile banking services is still considered inadequate, making it necessary to evaluate its impact on customer satisfaction and loyalty. This study aims to analyze the effect of mobile banking service quality on customer satisfaction and loyalty at BTN Syariah, both directly and indirectly through satisfaction as an intervening variable. The research employs a quantitative approach with a sample of 78 mobile banking users of BTN Syariah Bandung Branch selected through purposive sampling. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the assistance of SmartPLS version 4.1, while service quality was measured using the SERVQUAL model. The results indicate that mobile banking service quality has a positive and significant effect on customer satisfaction, and customer satisfaction significantly influences customer loyalty. Furthermore, service quality also has a significant effect on customer loyalty both directly and indirectly through customer satisfaction. These findings imply that improving mobile banking service quality is a crucial factor in enhancing customer satisfaction and loyalty at BTN Syariah.
Co-Authors 10010321023, Risma Junita Khaerunnisa 10010321033, Muhmmad Noval Afrah Nur Athifah Amelia Nurhaliza Cecep Soleh Kurniawan Encep Abdul Rojak Eva Misfah Bayuni Febriadi, Sandy Rizki Haliya Azka Imadi ifa hanifia senjiati Ikrima Azkury Nabella Isfi Rizka Pitsyahara Lina Nugrawati Hatlessy M Andri Ibrahim Maman Surahman Muhamad Farid Solehudin Muhammad Rifqi Suhana N. Nurjanah Nandang Ihwanudin Nanik Eprianti Neng Khoerunisa Alawiyah Panji Adam Agus Putra Popon Srisusilawati Rahmad Rezki Rahmi Khaerani Agustinah Ratih Rahayu Ray Muhammad Nur Abdillah Rena Yolanda Firdausa Rima Karnipa Agusti Shakila Carisya Swanty Maharani Teguh Setia Permana Titi Fitri Yanti Udin Saripudin Yayat Rahmat Hidayat Yayat Rahmat Hidayat Zaini Abdul Malik