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All Journal Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Journal of Islamic Studies and Education JUEBIR: Journal of Economics and Business Research
Sucik Lestari
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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User Experience Analysis of Mobile Banking Applications in Indonesia Using Usability Testing and the User Experience Questionnaire (UEQ): A Case Study of Bank Syariah Indonesia Cherina Pancha Resyita; Najma Nur Maulida; Sucik Lestari
Journal of Islamic Studies and Education Vol. 2 No. 2 (2024)
Publisher : Presscience

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63120/jise.v3i1.37

Abstract

This study aims to explore user experiences in utilizing mobile banking applications in Indonesia through usability testing and the User Experience Questionnaire (UEQ). The rapid growth of mobile banking technology necessitates a focused approach to understanding user experiences to ensure applications are both efficient and satisfying to use. Usability testing is employed to evaluate how well mobile banking applications meet user needs and expectations. Users perform a series of tasks designed to cover the core features of the application, while researchers observe and record responses, difficulties, and the time required to complete each task. The results of the usability testing provide detailed insights into specific issues encountered by users when interacting with mobile banking applications. These findings offer an in-depth perspective on the strengths and weaknesses of existing mobile banking applications in Indonesia. This information can guide application developers in implementing necessary improvements and enhancements, ensuring that users have a more satisfying and efficient experience when using mobile banking services. Furthermore, this study contributes to raising awareness and understanding of user-centered development practices in mobile banking application design in Indonesia.
ANALISIS PENGARUH VARIABEL MAKROEKONOMI TERHADAP RESIKO KREDIT PADA BANK SYARIAH DI INDONESIA Sucik Lestari; Mufti Arief Arfiansyah
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 2 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i2.8131

Abstract

This study aims to analyze the influence of macroeconomic factors, such as the inflation rate, Bank Indonesia interest rate (BI Rate), and economic growth (GDP), on credit risk, which is measured through Non-Performing Financing (NPF) in Islamic Commercial Banks in Indonesia during the 2020–2024 period. The approach used in this study is quantitative, utilizing secondary data obtained from the financial reports of Islamic banks registered with the Financial Services Authority (OJK), with a sample size of 220 data points. The analysis is conducted using panel data regression with the Random Effect Model (REM), selected through the Chow test, Hausman test, and Lagrange Multiplier test. The results show that inflation, BI Rate, and economic growth have a negative and significant effect on NPF. Therefore, increases in these macroeconomic variables tend to reduce the level of problematic financing in Islamic banking. These findings have important implications for regulators and Islamic banks in formulating risk management policies to maintain financial system stability
Analisis Pengaruh Faktor Eksternal: Tingkat Inflasi, Suku Bunga BI, dan Pertumbuhan Ekonomi (GDP) terhadap Risiko Kredit Pada Bank Syariah (NPF) sucik lestari; Khoiriyah, Rahmawati
Journal of Economics and Business Research (JUEBIR) Vol. 3 No. 2 (2024): December 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v3i2.8149

Abstract

This research aims to analyze the influence of inflation, BI interest rates, and economic growth (GDP) on NPF (Non-performing Financing). This study was conducted on Sharia Banks registered with Sharia Commercial Banks (BUS) in 2018-2022. The data used is secondary data from the annual reports of Sharia Banks. The sampling technique was purposive sampling, obtaining a research sample of 55 data. The research method used is a quantitative research method using data analysis techniques, namely panel data regression analysis, while data processing uses the Eviews 10 program. The research results show that the BI interest rate has a positive effect on NPF (Non-performing financing). Meanwhile, inflation and economic growth (GDP) has a negative effect on NPF (Non-performing financing).
Co-Authors Cherina Pancha Resyita Khoiriyah, Rahmawati Mufti Arief Arfiansyah Najma Nur Maulida