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All Journal Journal of Enterprise and Development (JED) Ulil Albab
Muhammad Simba Sembiring
Universitas Sumatera Utara, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Do customer knowledge and customer trust in IDIC affect bank customer retention? Evidence from Indonesia Muhammad Simba Sembiring; Sisi Maghfirah Rahmah Sembiring
Journal of Enterprise and Development (JED) Vol. 5 No. 3 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v5i3.7557

Abstract

Purpose — The primary focus of this research was to examine the impact of customer knowledge and customer trust in Indonesia Deposit Insurance Corporation (IDIC) on the retention of bank customers in Indonesia.Method — The study employed a cross-sectional design and quantitative survey study. Questionnaires were distributed randomly to respondents via social media. 141 respondents from bank customers in Indonesia have been analyzed. Hypothesis testing is done by multiple linear regression analysis with structural equation modeling and SmartPLS as a statistical tool.Result — The results show that the average bank customer in Indonesia has sufficient knowledge about the role, function, task, and performance of IDIC. However, knowledge needs to be improved because some customers do not understand it well. The results provide empirical evidence that customer knowledge and customer trust in IDIC have positive influence on bank customer retention.Contribution — There is a new concept with the integration of two theories that will benefit future research. The findings contribute to addressing research gaps that have inconsistent results. The findings also contribute to improving customer knowledge and customer trust as a solution to the impact of the COVID-19 pandemic and the global financial crisis. This study supports the G20 in strengthening financial safety nets, where multilateral development banks are encouraged to strengthen their financing systems to face global economic challenges.
Membangun Kemandirian Fiskal melalui Penguatan Pendapatan Asli Daerah: Pemerintah Kabupaten dan Kota Provinsi Jawa Barat Muhammad Simba Sembiring; Sisi Maghfirah Rahmah Sembiring; Ningrum Trija Kesuma; Nurul Mizna Sukma
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 5 No. 7: Juni 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v5i7.17011

Abstract

Pendapatan Asli Daerah (PAD) merupakan salah satu indikator penting dalam mengukur tingkat kemandirian dan keberlanjutan fiskal pemerintah daerah. Struktur PAD yang kuat dan terdiversifikasi memungkinkan daerah memiliki kapasitas yang lebih besar dalam membiayai pembangunan dan pelayanan publik secara berkelanjutan. Penelitian ini bertujuan untuk menganalisis struktur Pendapatan Asli Daerah serta dampaknya terhadap keberlanjutan fiskal kabupaten/kota di Jawa Barat. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan menganalisis data realisasi PAD dan komposisi Transfer ke Daerah dan Dana Desa (TKDD) pada lima belas kabupaten/kota di Jawa Barat tahun 2025. Hasil penelitian menunjukkan bahwa struktur PAD masih didominasi oleh penerimaan dari pajak daerah, sementara ketergantungan terhadap dana transfer dari pemerintah pusat relatif tinggi. Kondisi ini menunjukkan bahwa kapasitas fiskal daerah belum sepenuhnya ditopang oleh sumber pendapatan yang beragam dan berkelanjutan. Struktur pendapatan yang kurang terdiversifikasi berpotensi meningkatkan kerentanan fiskal, terutama apabila terjadi perubahan kebijakan transfer atau ketidaktepatan dalam perencanaan pendapatan. Oleh karena itu, penguatan kualitas perencanaan fiskal, optimalisasi potensi PAD, dan diversifikasi sumber pendapatan daerah menjadi langkah strategis untuk meningkatkan kemandirian fiskal dan menjaga keberlanjutan pembangunan daerah.
Co-Authors Ningrum Trija Kesuma Nurul Mizna Sukma Sembiring, Sisi Maghfirah Rahmah Sisi Maghfirah Rahmah Sembiring