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All Journal Jurnal Minfo Polgan (JMP) Journal of Shariah Economics Optimal: Jurnal Ekonomi dan Manajemen
Sutantri Sutantri
Universitas Islam Tribakti Lirboyo Kediri
Religion Computer Science & IT Economics, Econometrics & Finance Education Library & Information Science Mathematics Social Sciences Other

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Pengaruh Literasi Keuangan Terhadap Pertumbuhan Usaha UMKM Di PPHY Wildan Falikhin; Iva Khoiril Mala; Sutantri Sutantri
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.947

Abstract

The subjects of this research are UMKM around the PPHY Lirboyo area. The method used in this research is quantitative with a descriptive research type. The sampling method was carried out using a non-probability method, saturated sampling, with a total of 35 people studied. Based on the results of hypothesis testing, financial literacy influences business growth. Based on the results of decision coefficient research, financial knowledge has a significant influence on business growth of up to 40.3%. while 59.7% was influenced by other factors not considered in this study. The financial literacy level of UMKM in HY Boarding School is classified as poor. To help UMKM develop their businesses, financial knowledge must always be improved.
Hasanah Card, Implementasi Kolaborasi Fintech dalam Lembaga Keuangan Syari’ah (Studi Kasus pada PT Bank Syariah Indonesia Hasanudin KC Kediri Jl.Hasanudin No. 21B Business Center) Eka Muda Wardani; Sutantri Sutantri; Iva Khoiril Mala
Jurnal Minfo Polgan Vol. 13 No. 1 (2024): Artikel Penelitian
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/jmp.v13i1.13459

Abstract

Kemajuan teknologi yang terus merambah pada dunia ekonomi melahirkan berbagai layanan keuangan berbasis digital. Implementasi fintech tidak hanya berokus pada pembiayaan tetapi juga pada layanan kredit yang kemudian melahirkan Hasanah Card aplikasi kredit berdasarkan prinsip syari’ah yang dikeluarkan secara sah oleh PT Bank Syari’ah Indonesia. Peneltian ini dilakukan menggunakan metode field research (penelitian lapangan) dengan pendekatan kualitatif, data primer dikumpulkan melalui wawancara, dan data sekunder didapatkan dari berbagai sumber referensi. Dari hasil penelitian dapat ditarik kesimpulan bahwasanya teknologi turut berperan atas perkembangan ekonomi saat ini. Melahirkan berbagai inovasi layanan keuangan yang lebih efisien. Penggunaan Hasanah Card sebagai kartu kredit digital berbasis aplikasi dinilai lebih mempermudah para penggunanya menjadi salah satu bukti peran teknologi dalam membantu efektivitas layanan Bank Syari’ah terhadap para nasabahnya.
Effectiveness of Using AI-Based Chatbots in Increasing Customer Engagement Sutantri Sutantri
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 2 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i2.6516

Abstract

This study examines the effectiveness of AI-based chatbots in enhancing customer engagement across various industries. Against the backdrop of increasing digital transformation, the research explores how chatbots influence key metrics such as response time, customer satisfaction, and conversion rates, while identifying implementation challenges and success factors. Through a systematic analysis of recent case studies and empirical data, the study reveals that well-designed chatbots can improve customer satisfaction by 18 percentage points and reduce response times by 99.6%, though limitations persist in handling complex queries and ensuring data privacy. The findings highlight the importance of anthropomorphic design, omnichannel integration, and balanced human-AI collaboration in optimizing chatbot performance. Practical implications suggest that businesses should prioritize transparent data policies, continuous model training, and user-centric conversation flows to maximize engagement. The study contributes to the growing body of knowledge on AI-driven customer service by synthesizing actionable insights from diverse sectors, including retail, banking, and healthcare.
Co-Authors Eka Muda Wardani Iva Khoiril Mala Wildan Falikhin