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All Journal Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Ekonomi dan Keuangan
Eva Fa’izatul A’yun
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Efektivitas BYOND By BSI dalam Kualitas Pelayanan dan Kepuasan Nasabah di BSI KCP Krian Sidoarjo Eva Fa’izatul A’yun; Mariyah Ulfah
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v3i1.1637

Abstract

This study aims to analyze the effectiveness of BYOND by BSI in improving service quality and customer satisfaction at BSI KCP Krian Sidoarjo. BYOND by BSI is a digital banking platform designed to improve service quality with various superior features, such as financial transactions, account opening, and service consultations based on sharia principles. The research method used is a qualitative approach with descriptive method. Data was obtained through interviews and Focus Group Discussions (FGD) with employees from various divisions. The results showed that BYOND by BSI provides significant convenience in banking transactions, reduces queues at tellers, and offers sharia-based features that increase customer loyalty. However, challenges such as low digital literacy and transaction security concerns still need to be addressed. The implementation of BYOND by BSI has been positive in improving service quality and customer satisfaction, and strengthening BSI's image as an innovative Islamic bank. BSI needs to continue to improve digital education, strengthen security systems, and develop new features to make BYOND by BSI more effective in the future.
Pengaruh Pertumbuhan Aset, Pendapatan Pembiayaan, dan FBI terhadap ROA Bank Muamalat 2017–2024 Eva Fa’izatul A’yun; Udik Mashudi
Jurnal Ilmiah Ekonomi dan Keuangan Vol. 1 No. 3 (2026): Edisi: Mei-Juli
Publisher : Pustaka Bangsa Indonesia

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Abstract

Perbankan syariah berperan penting dalam mendukung intermediasi keuangan sesuai prinsip syariah melalui pengelolaan aset dan sumber pendapatan yang efisien untuk menjaga profitabilitas. Penelitian ini bertujuan menganalisis pengaruh pertumbuhan aset, pendapatan pembiayaan, dan fee based income terhadap return on asset (ROA) pada PT Bank Muamalat Indonesia Tbk periode 2017–2024. Penelitian menggunakan pendekatan kuantitatif deskriptif dengan data sekunder berupa laporan keuangan triwulanan. Analisis data meliputi statistik deskriptif, uji asumsi klasik, uji hipotesis, koefisien determinasi, dan regresi linear berganda menggunakan SPSS 25. Hasil penelitian menunjukkan bahwa pertumbuhan aset berpengaruh signifikan terhadap ROA, sedangkan pendapatan pembiayaan dan fee based income tidak berpengaruh signifikan secara parsial. Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap ROA dengan koefisien determinasi sebesar 73,5%, yang menunjukkan bahwa variabel tersebut mampu menjelaskan variasi ROA secara kuat.
Co-Authors Mariyah Ulfah Udik Mashudi