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All Journal Bisnis Net : Jurnal Ekonomi dan Bisnis International Journal of Multidisciplinary Research of Higher Education (IJMURHICA)
Putri, Riri Dwita
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Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences

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ANALISIS STRATEGI PENINGKATAN PEMBIAYAAN MULTI GUNA (PMG) PADA PT. BANK SUMUT UNIT USAHA SYARIAH Atika, Atika; Putri, Riri Dwita
Bisnis-Net Vol 7, No 2: DESEMBER 2024
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v7i2.5260

Abstract

Multipurpose Financing is the financing of goods and/or services required by the debtor for use/consumption and not for business purposes or productive activities within the agreed period. The role of multi-use payments in banks is to provide flexible and versatile payment services for customers, allowing them to conduct various types of financial transactions through a single platform or payment method. Based on this background, the research objective is to analyze the multi-use payment strategy (PMT) at PT Bank Sumut Syariah Unit Medan. This research uses a qualitative method with a descriptive approach. Research on increasing Multi-Use Financing (PMG) at PT Bank Sumut Syariah Business Unit aims to analyze bank strategies using qualitative methods and SWOT analysis. The results show great opportunities for banks, such as increasing public demand, low penetration of Islamic financing, and government support. However, the challenges faced include fierce competition, lack of public education, and complicated financing processes. Based on SWOT analysis, strategies that can be applied include increasing education, utilizing information technology, and offering products that suit the needs of the community, in order to make PT Bank Sumut Syariah Business Unit the leading Islamic bank in Indonesia.
Determination of Literacy and Trust in the Sustainable Use of Digital Sharia Insurance Applications Putri, Riri Dwita; Yanti, Nursantri; Harmain, Hendra
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 4 (2025): (October) Theme Education, Religion Studies, Social Sciences, STEM, Economic, Tou
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i4.436

Abstract

This study examines how sharia financial literacy and trust affect continuance intention to use digital sharia insurance applications among millennials in Medan, Indonesia. A quantitative–explanatory design with a cross-sectional survey was employed (n = 100). Likert-scale instruments for sharia digital literacy, trust, and continuance intention were deemed adequate after item purification; reliability and validity were met (e.g., α_literacy = 0.810), and classical assumptions held (normality, no multicollinearity, no heteroscedasticity). Multiple linear regression (IBM SPSS v25) shows that literacy has the strongest positive effect on continuance (B = 0.329; β = 0.466; t = 9.792; p < 0.001). Trust also exerts a positive, statistically significant effect at the 10% level (t = 1.965), which is salient in sectors that have faced reputational shocks. Jointly, the two variables explain a large share of variance (Adjusted R² = 0.904; F = 70.614; p < 0.001), aligning with TAM/TPB logic: literacy elevates perceived usefulness/ease of use, while trust reduces perceived risk and strengthens perceived behavioral control, thereby reinforcing continuance intention. Managerially, two complementary levers are suggested: (1) weaving task-based literacy into the app (e.g., claim simulations annotated with contract types, contribution/tabarru’ wizards, inline glossaries, and decision-point nudges) to translate declarative knowledge into action; and (2) engineering verifiable process transparency (real-time claim tracking, concise tabarru’ summaries, DSN-MUI compliance badges, and clear privacy notices) to build trust. The study enriches post-adoption evidence in Islamic fintech and offers practical guidance to strengthen retention and inclusion among urban millennials.
Co-Authors Atika Atika Hendra Harmain Nursantri Yanti