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All Journal Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis
Fadma Yulianti
Institut Bisnis dan Teknologi Kalimantan
Economics, Econometrics & Finance

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Pengaruh Keamanan, Kepercayaan dan Gaya Hidup Terhadap Loyalitas Pengguna e-Wallet di Kota Banjarmasin Salsadila Zahra Ananda; Fadma Yulianti; Ibrahim Daud; Lydia Goenadhi
MARGIN ECO Vol. 10 No. 1 (2026): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : LPPM Universitas KH A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margineco.v10i1.7113

Abstract

This research focuses on how security, trust, and lifestyle relate to the loyalty of DANA e-wallet users in Banjarmasin City. A quantitative approach was applied by distributing a survey of 68 DANA users selected based on domicile, age, and usage intensity criteria. Responses were collected using questionnaires and then tested through a multiple linear regression model with SPSS version 25. The analysis found that security has not become a significant factor in maintaining user  loyalty. In contrast, trust and lifestyle have significant effects. Overall, the simultaneous test shows that the three variables still contribute significantly to user loyalty. These results indicate that loyalty is not sufficiently explained by security aspects alone, but also by users’ confidence in the service and the suitability of application features with daily activity patterns. These findings place trust and service relevance as important elements in maintaining DANA user loyalty. However, these findings should be read by considering the characteristics of the respondents who were dominated by young users, so generalization to all DANA users in Banjarmasin City needs to be carried out carefully.
Pengaruh Soft Skill, Hard Skill, dan Pengalaman Organisasi terhadap Kesiapan Kerja Mahasiswa Institut Bisnis dan Teknologi Kalimantan Nanda Agustina; Fadma Yulianti; Mahyuddin Mahyuddin; Rizky Nastiti
MARGIN ECO Vol. 10 No. 1 (2026): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : LPPM Universitas KH A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margineco.v10i1.7127

Abstract

This study aims to analyze the influence of soft skills, hard skills, and organizational experience on the work readiness of students at the Kalimantan Institute of Business and Technology. This research employs an associative quantitative (explanatory) approach with a questionnaire method. The research sample consists of 65 respondents selected using a census sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression analysis. The partial statistical test results indicate that soft skills and hard skills have a positive and significant effect on students' work readiness, while organizational experience has a positive but non-significant effect. Simultaneously, the three variables significantly influence students' work readiness. The coefficient of determination R2 of 0.748 indicates that 74.8% of the variation in work readiness can be explained by these three variables, while the remaining 25.2% is influenced by other factors outside the research model.
Co-Authors Ibrahim Daud Lydia Goenadhi Mahyuddin Mahyuddin Nanda Agustina Rizky Nastiti Salsadila Zahra Ananda