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PENGARUH E-TRUST, E-SERVICE QUALITY DAN E-SATISFACTION TERHADAP E-LOYALITY PENGGUNA BSI MOBILE PADA PENGADILAN AGAMA PASCA SERANGAN CYBERRASOMWARE Muhajir, Ammar; Pahlevi, Rizal
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 15 No 1 (2024): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v15i1.9764

Abstract

Amid current technological developments, many innovations are making life more accessible for people to interact, get information, and transact. This is especially evident in the Banking sector, which is experiencing digitalization with BSI mobile services. This study aims to determine how E-Trust, E-Service Quality, and E-Satisfaction affect the E-Loyalty of Bank Syariah Indonesia Mobile Banking users after cybercrime attacks (religious court survey employees). This research utilizes a quantitative approach by relying on numerical data. This research uses data sources in the form of numbers. The process used to collect data is distributing questionnaires to 50 religious court employees who are BSI customers. The method used in sampling is purposive sampling. The data analysis technique used in this study uses multiple linear regression techniques to test the effect of the independent variable on the dependent variable, both partial and simultaneous effects. The overall result of this study is a statement that shows that E-Trust and E-Service Quality have a positive and significant influence on E-Loyalty. In contrast, e-satisfaction does not have an impact and is not substantial in e-loyalty.
Analysis of Rentability Trends of Islamic Commercial Banks in the Covid-19 Pandemic Kusuma, Alto Wirahadi; Muhajir, Ammar; Lutfiah, Lutfiah; Rahmawati, Rafika
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 6 No. 2 (2022): July - December 2022
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v6i2.5311

Abstract

The Covid 19 pandemic has caused possible risks to the financial performance of Islamic banking. This study aimed to determine the rentability performance level predictions of Bank Muamalat Indonesia, Bank Mega  Syariah, and Bank KB Bukopin Syariah by using the ratio of Return on Assets (ROA) and Return on Equity (ROE) in the pandemic for the period December 2021 to December 2023. The Islamic commercial bank was chosen because its rentability performance showed different trends during the pandemic. The research methods used the quantitative and trend analysis techniques with the least square method. The results have indicated that the rentability performance level of Bank Muamalat Indonesia and Bank KB Bukopin Syariah in terms of the ratio of Return on Assets (ROA) and Return on Equity (ROE) was predicted to decrease from December 2021 to December 2023. Meanwhile, the rentability performance level of Bank Mega Syariah in terms of the ratio of Return on Assets (ROA) and Return on Equity (ROE) was predicted to increase from December 2021 to December 2023. Concerning this, the research is hoped to contribute as reference material for further academic research and as material for consideration in determining policies for Islamic commercial banks.