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Pengaruh Kualitas Sistem Kualitas Layanan dan Pemasaran Relasional terhadap Loyalitas Pengguna BSB Mobile pada Bank Sumsel Babel Syariah Palembang dengan Kepuasan Pengguna sebagai Variabel Intervening Lestari, Winda Fuji; Isnurhadi, Isnurhadi; Maulana, Ahmad
Jurnal Akuntansi, Keuangan, dan Manajemen Vol. 6 No. 1 (2024): Desember
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v6i1.4217

Abstract

Purpose: This study aimed to analyze the factors influencing user satisfaction and loyalty in using the BSB Mobile application at the Bank Sumsel Babel Palembang Syariah Branch. This research focuses on system quality, service quality, and relational marketing as variables that potentially enhance user satisfaction and loyalty. Research methodology: A quantitative approach was employed using PLS-SEM for data analysis with SmartPLS. The study sample consisted of 266 purposively selected mobile BSB users. Data were collected through an online questionnaire. Descriptive demographic analysis was conducted using SPSS to determine the respondent characteristics. Results: The results indicate that system quality, service quality, and relational marketing have positive and significant effects on user satisfaction. User satisfaction acts as a mediator, enhancing the influence of these factors on user loyalty. These findings demonstrate the critical role of system quality, service quality, and relational marketing in fostering user loyalty to BSB Mobile apps. Limitations: This study focuses only on system quality, service quality, and relationship marketing on user loyalty with user satisfaction as intervening variables in the Syariah Palembang Branch. Contribution: This study is expected to provide deeper insight into the  effects of system quality, service quality, relationship marketing to user loyalty with user satisfaction as an intervening variable.  
The The Role of Energy Consumption, FDI, and HDI in Economic Growth: A Panel Data Analysis Sari, Okta Dian; Lestari, Winda Fuji
TECHNOBIZ : International Journal of Business Vol. 9 No. 1 (2026): April 2026
Publisher : TECHNOBIZ : International Journal of Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/technobiz.v9i1.1700

Abstract

This study aims to examine the impact of energy consumption, foreign direct investment, and the Human Development Index on economic growth in ASEAN countries, namely Indonesia, Malaysia, Thailand, the Philippines, and Vietnam, over the period 2010–2023. Using panel data and the Fixed Effect Model (FEM) estimation method, the results indicate that all three independent variables have a significant effect on economic growth. The findings of the Chow test and Hausman test support the selection of the FEM as the most appropriate approach for explaining variations across countries and over time. These results underscore that increases in energy consumption, foreign direct investment, and the Human Development Index are strategic factors in promoting economic growth in the ASEAN region.