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Pengaruh E-Trust dan E-Service Quality Terhadap E-Loyalty Pengguna Layanan Mobile Banking Bank Umum Syariah Nengsih, Novia; Septianna, Syifa
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.13559

Abstract

This research aim to determine the influence of e-trust and e-service quality on the e-loyalty of mobile banking users at Islamic commercial banks. This research employs a quantitative research method. The sampling technique used is purposive sampling. The data analysis techniques employed include testing the research instrument, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the R² test. The results of the study indicate that e-trust has a significant influence on the e-loyalty of mobile banking users at Islamic commercial banks. Furthermore, e-service quality also has a significant influence on the e-loyalty of mobile banking users at Islamic commercial banks. Moreover, e-trust and e-service quality together have a significant effect on e-loyalty.. Based on the results of the coefficient of determination (R Square) test, a value of 0.505 or 50.5% was obtained. This indicates that e-trust  and e-service quality together explain 50.5% of the variability in e-loyalty of mobile banking users at Islamic commercial banks, while the remaining 49.5% is influenced by other variables not included in this study.
Optimization Of Financial Inclusion Through Sharia Banking Redistributive Instruments Nengsih, Novia
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 2 No. 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7426

Abstract

Purpose - This study aims to analyze the optimization of financial inclusion using Islamic banking redistributive instruments.Method - This study aims to analyze the optimization of financial inclusion using Islamic banking redistributive instruments.Result - The main finding of this research is that Islamic banking can optimize financial inclusion using the redistributive instruments of syari'ah banking, namely zakat, Qardul Hasan, and other merit funds. This is indicated by the growth of zakat funds, benevolence funds, and increased qardul hasan financing.Implication - This research can be used as a reference to determine the optimization of financial inclusion by Islamic banking using the redistributive instrument of zakat, qardhul hasan, and other merit funds.Originality - This study analyzes the optimization of financial inclusion through the redistributive instrument of Islamic banking with qualitative and quantitative approaches.
Analisis Manajemen Risiko Pada Usaha Mikro Kecil Dan Menengah NR Advertising Kota Solok Nengsih, Novia; Abdul Rauf; Abel Oktavia; Ade Andela Puspita; Sonia
MABIS Jurnal Manajemen Bisnis Syariah Vol. 5 No. 2 (2025): Jurnal Manajemen Bisnis Syariah:MABIS
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/mabis.v5i2.16045

Abstract

This study aims to identify and analyze operational risks faced by NR Advertising and to formulate appropriate risk management strategies tailored to the characteristics of micro, small, and medium enterprises (MSMEs). A qualitative approach was employed using data collection techniques including in-depth interviews and direct observation. The findings identify ten types of risks, which are classified into six main categories: production and design, marketing and services, finance, procurement and logistics, general management, and technology and systems. Each risk was assessed based on its likelihood and potential impact, and subsequently mapped into a risk matrix consisting of low, medium, and high risk levels. The results indicate that three risks fall into the low-risk category, two into the medium-risk category, and five into the high-risk category requiring priority attention. This risk mapping serves as the basis for determining appropriate risk management strategies, including risk avoidance, transfer, mitigation, acceptance, exploitation, sharing, and enhancement. This study is expected to serve as a reference for MSMEs in implementing systematic and sustainable risk management practices.