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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Proceedings of The International Conference on Business and Economics Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Minda Muliana Br Sebayang
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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The Influence of Features and Promotions on Wondr Bni Usage With User Satisfaction as Intervening Sri Indayani; Syarida Hafni Sahir; Minda Muliana Br Sebayang
Proceeding of The International Conference on Business and Economics Vol 3 No 1 (2025): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbe-untagsmg.v3i1.2752

Abstract

This research aims to determine the effect of service features and promotions on increasing users of Wondr by BNI services with user satisfaction as an intervening variable. This type of research is quantitative. The population in this study were BNI customers of the Medan Industrial Estate Branch Office who were registered and had used the new digital service application WONDR by BNI. The total population was 16,769 customers with a sample of 391 respondents. Data was collected by questionnaire with a Likert scale, validity testing, reliability and hypothesis testing were carried out using SmartPLS ver 4.0 software. The results show that service features have a significant direct effect on user satisfaction, service features have a direct effect on increasing the number of users, promotion has a direct effect on user satisfaction, promotion has a direct effect on increasing the number of users, user satisfaction has a direct effect on increasing the number of users, service features have an indirect effect on increasing the number of users through user satisfaction as an intervening variable, promotion has an indirect effect on increasing the number of users through user satisfaction as an intervening variable. These findings indicate that user satisfaction plays an important role in strengthening the effect of service features and promotions on increasing the number of service users. Therefore, to sustainably increase the number of users, Wondr by BNI needs to optimize service features that are responsive to user needs and implement promotional strategies that can increase user satisfaction and loyalty.
THE EFFECT OF OWNERSHIP CONCENTRATION, CASH HOLDING ON COMPANY VALUE WITH DIVIDEND PAYOUT RATIO AS AN INTERVENING VARIABLE Septianar Sitorus; Thezar Fiqih Hidayat Hasibuan; Minda Muliana Br Sebayang
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 4 (2025): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i4.715

Abstract

This study aims to determine the effect of Ownership concentration (X1) and Cash holding (X2) on Company Value (Y) which is proxied by the Price earning ratio through the Dividend payout ratio (Z) as an intervening variable. The population used is all Coal sub-sector companies listed on the Indonesia Stock Exchange in 2019-2022. The sample of this study was 9 companies using purposive sampling. The data collection method is the documentation study method, literature method and research gap and is analyzed quantitatively. The data analysis method is Path Analysis with the help of Smart PLS version 3 with the PLS test method consisting of the Outer Model Analysis test, Inner Model Analysis, and Hypothesis Testing. This study concludes that (1) Ownership concentration has a significant positive effect on company value, (2) Cash holding has a significant positive effect on company value, (3) Ownership concentration does not have an effect on the dividend payout ratio, (4) Cash holding has a significant positive effect on the dividend payout ratio, (5) Dividend payout ratio has a significant effect on company value, (6) Ownership concentration does not have an effect on company value through the mediation of dividend payout ratio, (7) Cash holding has a significant positive effect on company value through the mediation of dividend payout ratio.
Pengaruh Kualitas Pelayanan dan Promosi Digital terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah pada Generasi Milenial PT. Pegadaian Cabang Kampung Lalang Kota Medan Anggi Randy Syahputra; Adelina Lubis; Minda Muliana Br Sebayang
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3298

Abstract

This study aims to analyze the effects of Service Quality and Digital Promotion on Customer Loyalty through Customer Satisfaction as an intervening variable among millennial customers using the services of PT Pegadaian, Kampung Lalang Branch, Medan City. This study employed a quantitative approach involving 93 respondents. The data were analyzed using Partial Least Squares (PLS) with SmartPLS 4.0. The results indicate that Service Quality has a positive and significant effect on Customer Satisfaction (T-Statistics = 3.732 > 1.96; P-Values = 0.000) and Customer Loyalty (T-Statistics = 3.559 > 1.96; P-Values = 0.006). Digital Promotion also has a positive and significant effect on Customer Satisfaction (T-Statistics = 4.941 > 1.96; P-Values = 0.000) and Customer Loyalty (T-Statistics = 3.247 > 1.96; P-Values = 0.001). Furthermore, Customer Satisfaction has a positive and significant effect on Customer Loyalty (T-Statistics = 1.972 > 1.96; P-Values = 0.049). The mediation analysis demonstrates that Customer Satisfaction significantly mediates the effects of Service Quality and Digital Promotion on Customer Loyalty. These findings confirm that improving service quality and implementing effective digital promotion strategies can enhance customer satisfaction and loyalty, particularly among millennials. Therefore, PT Pegadaian is advised to continuously improve its digital-based services and strengthen its digital marketing communication strategies to maintain customer loyalty in the era of digital transformation.
Co-Authors Adelina Lubis Anggi Randy Syahputra Septianar Sitorus Sri Indayani Syarida Hafni Sahir Thezar Fiqih Hidayat Hasibuan