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All Journal Sahmiyya: Jurnal Ekonomi dan Bisnis
Ariana Savitri
IAIN Pekalongan
Economics, Econometrics & Finance Education

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Pengaruh Kepercayaan, Manfaat dan Risiko Terhadap Keputusan Mahasiswa Dalam Memilih E-Wallet (Studi Kasus Pada Mahasiswa FEBI IAIN Pekalongan) Ariana Savitri
Sahmiyya Vol. 1 No. 1 (2022): VOLUME 1 NOMOR 1 2022
Publisher : UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (238.289 KB) | DOI: 10.28918/sahmiyya.v1i1.5448

Abstract

ABSTRAK: Penelitian ini dilakukan untuk mengetahui pengaruh kepercayaan, manfaat dan risiko terhadap keputusan penggunaan E-Wallet pada mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Pekalongan. Kemunculan E-Wallet sendiri pada mulanya untuk memberikan kemudahan kepada masyarakat dalam melakukan transaksi digital untuk mendukung Less Cash Society guna mengurangi uang tunai yang beredar, dimana tidak hanya mengacu pada sistem tetapi juga pada budaya dan perilaku. Dalam penelitian ini populasi utama merupakan mahasiswa aktif semester dua sampai delapan baik yang sudah menggunakan maupun belum menggunakan E-Wallet. Dengan menggunakan metode kuantitatif yang bersifat kausalitas dan teknik pengambilan sampel yang dilakukan yaitu non probability sampling dengan metode purposive sampling. Alat analisis pada penelitian ini adalah analisis regresi linier berganda. Hasil menunjukkan bahwa persepsi kepercayaan dan manfaat berpengaruh positif dan signifikan terhadap keputusan penggunaan E-Wallet, sedangkan persepsi risiko bersifat negatif dan tidak berpengaruh terhadap keputusan penggunaan E-Wallet. ABSTRACT: This study was conducted to determine the effect of trust, benefits and risks on decisions to use E-Wallet on students of the Islamic Economics and Business Faculty, IAIN Pekalongan. The emergence of E-Wallet itself was initially to provide convenience to the public in conducting digital transactions to support the Less Cash Society in order to reduce cash in circulation, which not only refers to the system but also to culture and behavior. In this study, the main population is active students in semester two to eight, both those who have used and have not used E-Wallet. By using quantitative methods that are causal and the sampling technique used is non-probability sampling with purposive sampling method. The analytical tool in this research is multiple linear regression analysis. The results show that the perception of trust and benefits has a positive and significant effect on the decision to use the E-Wallet, while the perception of risk is negative and has no effect on the decision to use the E-Wallet.
ANALISIS TAKTIK PEMASARAN SYARIAH DALAM MENJARING MINAT NASABAH BMT EL-FAIRUZ Ariana Savitri; Dinda Dwi Lestari; Dina Musthofia
Sahmiyya Vol. 1 No. 2 (2022): VOLUME 1 NOMOR 2 2022
Publisher : UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.288 KB) | DOI: 10.28918/sahmiyya.v1i2.5812

Abstract

Over time, interest in the use of Islamic financial products is growing, especially in institutions related to banking. The increasingly fierce competition in the banking world encourages the Bank to continue to innovate in products and services in order to attract customers' interest. In this case, a marketing strategy is needed that must be continuously developed, especially in banking services, self-service, relational marketing tactics, relationship marketing, customer satisfaction and loyalty. The purpose of this study is to find out how the marketing strategy carried out by BMT El-Fairuz in attracting the interest of its customers. This research was conducted at BMT El-Fairuz because of the rapid development of BMT El-Fairuz, within 10 years it was able to have branches. In addition, it can be seen from the number of people from various circles who become customers at BMT El-Fairuz. This study uses a qualitative method with data collection techniques through the interview process. The results of this study are the marketing strategy carried out by BMT El-Fairuz in the form of a strategy through the diversity of products and locations used quite strategically, excellent and communicative service and promotional strategies that can attract customer interest in transactions.
Co-Authors Dina Musthofia Dinda Dwi Lestari