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Pengaruh Kualitas Produk dan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pengguna Permata Me: Studi Kasus pada Nasabah Bank Permata Pengguna Aplikasi Permata Me Rigawara, Arnetta Valentina; Yudanegara, Aditya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11022

This study investigates the influence of product quality and service quality on consumer satisfaction among users of Permata Me, Bank Permata's digital banking application. As financial institutions increasingly shift to digital platforms, user satisfaction has become crucial for customer retention. This research employs a quantitative approach, collecting data from 400 active users of the Permata Me application through structured questionnaires. The data were analyzed using multiple linear regression to examine the relationship between product quality (encompassing functionality, reliability, and user interface), service quality (including responsiveness, assurance, and empathy), and overall customer satisfaction. Findings indicate that both product quality and service quality have a statistically significant positive impact on customer satisfaction. Product quality emerged as a stronger predictor, with features such as seamless transaction processing, fast performance, and an intuitive user interface being the most valued by users. This study contributes to the growing body of knowledge in the field of digital banking by emphasizing the dual importance of technical excellence and service excellence in mobile financial platforms.

Pengaruh Motivasi dan Penempatan kerja terhadap Kinerja Guru Supriadi, Yusup; Yudanegara, Aditya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11193

Teacher performance in an educational institution is the result of the quality, quantity, responsibility, cooperation, and initiative achieved by teachers in carrying out their duties in accordance with the responsibilities given to them. Teacher performance does not always meet expectations or desires; it fluctuates. Motivation and job placement are some of the factors that influence performance. The purpose of this study was to determine the effect of motivation and job placement on teacher performance. The research method used was descriptive verification. The unit of analysis was ASN teachers at SMK Negeri 1 Sukalarang, Sukabumi Regency. The sample was determined using a sampling technique.non-probabilitySampling with saturated sampling (census). Data collection was carried out using questionnaires and through observation. Statistical tests in this study used correlation and regression analysis. The results of the partial t-test showed that motivation had no significant effect on teacher performance, while the job placement variable had a positive and significant effect on teacher performance partially. The results of the f-test showed that both variables (motivation and job placement) simultaneously influenced teacher performance. This indicates that teacher performance will be more optimal if supported by good work motivation and job placement that is in accordance with teacher competencies.

PENGARUH STRES KERJA DAN LINGKUNGAN KERJATERHADAP KINERJA KARYAWAN PADAPT. BIO FARMA BANDUNG Zulfikar, Vasya Lufthi; Yudanegara, Aditya
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/xzsjfz10

Penelitian ini bertujuan untuk menganalisis pengaruh stres kerja dan lingkungan kerja terhadap kinerja karyawan pada PT. Biofarma Bandung. Hasil penelitian menunjukan bahwa stres kerja berada pada kategori baik, lingkungan kerja tergolong baik, dan kinerja karyawan juga berada pada kategori baik menurut karyawan. Secara parsial, stres kerja memiliki pengaruh signifikan terhadap kinerja karyawan. Hal ini juga terjadi pada lingkungan kerja yang secara parsial memberikan pengaruh signifikan terhadap kinerja karyawan. Secara simultan, stres kerja dan lingkungan kerja juga memiliki pengaruh signifikan terhadap kinerja karyawan. Stres dan lingkungan kerja memiliki peranan yang penting dalam maningkatkan kinerja karyawan.

Pengaruh E-service Quality dan Online Customer Review Terhadap Customer Loyalty Generasi Z Berusia 18 - 28 Tahun: Studi Kasus pada Pengguna Marketplace Tokopedia Kota Bandung Jamlean, Rahmat Ardi Yansa; Yudanegara, Aditya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10945

This study is motivated by the increasing use of digital services and the changing consumer behavior, particularly of Generation Z, in utilizing marketplace platforms such as Tokopedia. The integration of services between Tokopedia and TikTok Shop in 2024 has further altered users’ expectations regarding digital service quality and the credibility of online reviews in the decision-making process. This study aims to analyze the effect of E-Service Quality (X1) and Online Customer Review (X2) on Customer Loyalty (Y) among Tokopedia users aged 18 – 28 years. The research employs a descriptive - verificative method with a quantitative approach. A total of 385 respondents were selected using purposive sampling. Data analysis was conducted using SPSS version 31, including validity and reliability tests, descriptive analysis, verificative analysis, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination (R²). The results indicate that E-Service Quality (X1) has a significant effect on Customer Loyalty, with t count = 8.085 > t table = 1.966 and Sig < 0.001. Online Customer Review (X2) also significantly influences Customer Loyalty, with t count = 27.161 > t table = 1.966 and Sig < 0.001. The simultaneous test shows that both variables significantly affect Customer Loyalty, with F count = 1079.233 > F table = 3.02 and Sig < 0.001. Additionally, the R² value of 0.850 indicates that 85% of the variation in Customer Loyalty can be explained by E-Service Quality (X1) and Online Customer Review (X2). Overall, this study concludes that digital service quality and online customer reviews play a crucial role in shaping Tokopedia users’ loyalty, particularly among Generation Z, who heavily rely on digital experiences and social validation before making a purchase. These findings provide managerial implications, suggesting that improving digital service quality and managing credible customer reviews can be an effective strategy to maintain consumer loyalty.

Pengaruh Kualitas Produk dan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pengguna Permata Me: Studi Kasus pada Nasabah Bank Permata Pengguna Aplikasi Permata Me Rigawara, Arnetta Valentina; Yudanegara, Aditya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11022

This study investigates the influence of product quality and service quality on consumer satisfaction among users of Permata Me, Bank Permata's digital banking application. As financial institutions increasingly shift to digital platforms, user satisfaction has become crucial for customer retention. This research employs a quantitative approach, collecting data from 400 active users of the Permata Me application through structured questionnaires. The data were analyzed using multiple linear regression to examine the relationship between product quality (encompassing functionality, reliability, and user interface), service quality (including responsiveness, assurance, and empathy), and overall customer satisfaction. Findings indicate that both product quality and service quality have a statistically significant positive impact on customer satisfaction. Product quality emerged as a stronger predictor, with features such as seamless transaction processing, fast performance, and an intuitive user interface being the most valued by users. This study contributes to the growing body of knowledge in the field of digital banking by emphasizing the dual importance of technical excellence and service excellence in mobile financial platforms.

Pengaruh Motivasi dan Penempatan kerja terhadap Kinerja Guru Supriadi, Yusup; Yudanegara, Aditya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11193

Teacher performance in an educational institution is the result of the quality, quantity, responsibility, cooperation, and initiative achieved by teachers in carrying out their duties in accordance with the responsibilities given to them. Teacher performance does not always meet expectations or desires; it fluctuates. Motivation and job placement are some of the factors that influence performance. The purpose of this study was to determine the effect of motivation and job placement on teacher performance. The research method used was descriptive verification. The unit of analysis was ASN teachers at SMK Negeri 1 Sukalarang, Sukabumi Regency. The sample was determined using a sampling technique.non-probabilitySampling with saturated sampling (census). Data collection was carried out using questionnaires and through observation. Statistical tests in this study used correlation and regression analysis. The results of the partial t-test showed that motivation had no significant effect on teacher performance, while the job placement variable had a positive and significant effect on teacher performance partially. The results of the f-test showed that both variables (motivation and job placement) simultaneously influenced teacher performance. This indicates that teacher performance will be more optimal if supported by good work motivation and job placement that is in accordance with teacher competencies.

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