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All Journal Profit: Jurnal Manajemen, Bisnis dan Akuntansi Jurnal Bisnis, Ekonomi Syariah dan Pajak
Riduwansah Riduwansah
Unknown Affiliation
Economics, Econometrics & Finance

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Pengaruh Kualitas Pelayanan dan Persepsi Nilai Terhadap Loyalitas Nasabah Pengguna Kartu ATM pada Bank Sumsel Babel Syariah KCP UIN Raden Fatah Palembang Melalui Kepuasan Nasabah Sebagai Variabel Intervening Nirma Fitriana; Hilda Hilda; Riduwansah Riduwansah
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 1 No. 3 (2024): September : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v1i3.364

Abstract

This research aims to determine the influence of service quality and perceived value on customer loyalty of ATM card users at BSB Syariah KCP UIN Raden Fatah Palembang through satisfaction as an intervening variable. This research uses primary data with a quantitative approach in the form of distributing questionnaires with a sample collection method using purposive sampling with the Hair et.al formula which received as many as 150 respondents. The research instrument testing technique uses SEM-PLS using an analysis tool in the form of SmartPLS version 3.0. The results of this research show that: (1) service quality has a positive and significant effect on customer loyalty; (2) perceived value has a positive and significant effect on customer loyalty; (3) service quality has a positive and significant effect on customer satisfaction; (4) perceived value has a positive and significant effect on customer satisfaction; (5) customer satisfaction has a positive and significant effect on customer loyalty; (6) service quality has a positive and significant effect on customer loyalty through customer satisfaction as an intervening variable; (7) perceived value has a positive and significant effect on customer loyalty through customer satisfaction as an intervening variable.
Pengaruh NOM, BOPO dan FDR terhadap Profitabilitas pada Bank Umum Syariah (BUS) Periode 2021-2023 Aviva Refalina; Hilda Hilda; Riduwansah Riduwansah
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3320

Abstract

Profitability is a key indicator in assessing the financial performance and operational sustainability of a bank. However, during the 2021-2023 period, the Islamic banking industry in Indonesia faced various challenges, especially regarding operational efficiency and financing management. This challenge can be seen from the unstable value of the Net Operating Margin (NOM), the high ratio of Operating Expenses to Operating Income (BOPO), and the imbalance in the Financing to Deposit Ratio (FDR). This study uses a quantitative approach with secondary data from the annual financial statements of Islamic Commercial Banks for the 2021-2023 period which are accessed through the OJK official website. The object of research includes all Islamic Commercial Banks operating during this period, with a sample of 10 banks selected through purposive sampling method. The data were analyzed using IBM SPSS version 30.0 in 2024 with descriptive statistical analysis techniques, classical assumption tests, multiple linear regression, hypothesis testing, and coefficient of determination (R²) tests. The results of this study indicate that partially the Net Operating Margin (NOM) variable has a significant effect on Profitability (ROA). While the variable Operating Cost of Operating Income (BOPO) and Financing to Deposit Ratio (FDR) has no effect on Profitability (ROA).
Co-Authors Aviva Refalina Hilda Hilda Nirma Fitriana