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All Journal JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Accounting Progress
Sari, Nanda Widiya
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Kemudahan Penggunaan dan Gender Terhadap Kepuasan Pelanggan Serta Implikasinya Pada Loyalitas Pelanggan Sari, Nanda Widiya; Amanda, Dea; Sarwoto, Sarwoto; nursaimatussaddiya, Nursaimatussaddiya
Journal of Business and Economics Research (JBE) Vol 6 No 2 (2025): June 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v6i2.7296

Abstract

This study aims to examine the extent to which ease of use and gender influence customer satisfaction and its impact on customer loyalty. The research focuses on female teachers who use automatic motorcycles and work at public senior high schools in Tebing Tinggi City. A quantitative approach was applied using Structural Equation Modeling (SEM) with a Partial Least Square (PLS) method, processed through SmartPLS version 4.0. Data were collected through an online questionnaire distributed to 89 respondents. The results indicate that ease of use has a positive and significant effect on both customer satisfaction and loyalty. Gender significantly affects customer loyalty, but not customer satisfaction. Moreover, customer satisfaction does not significantly influence loyalty. Mediation analysis shows that satisfaction does not serve as a mediating variable in the relationship between ease of use and gender toward loyalty. These findings suggest that customer loyalty in this context is more strongly driven by product functionality rather than satisfaction or gender differences.
Analisis Strategi Pemberian Kredit Dalam Upaya Mencegah Kredit Bermasalah (Non Performing Loan) Pada PT Bank Rakyat Indonesia (Persero) Tbk Sari, Nanda Widiya; Fitrianingsih, Fitrianingsih; Saragih, Wulandari; Siregar, Attila Rania Insiyah; Husna, Asmaul
Accounting Progress Vol. 4 No. 1 (2025): Accounting Progress Edisi Juni 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v4i1.215

Abstract

The research aims to analyze credit granting strategies to prevent Non-Performing Loans (NPL) at PT Bank Rakyat Indonesia (Persero) Tbk (BRI). The research focuses on reviewing strategies using the 6C approach (Character, Capacity, Capital, Collateral, Condition, and Constraints) in the credit granting process to minimize the risk of default. Additionally, a historical data analysis of the NPL ratio is conducted, comparing non-performing loans to the total credit granted. The findings indicate that consistently implementing the 6C approach significantly reduces the NPL level, particularly through strict evaluations of customer characteristics, financial capacity, and credit collateral. This study provides valuable insights into credit risk management and the formulation of more effective strategies to maintain BRI's financial stability amid dynamic economic challenges.
Co-Authors Amanda, Dea Asmaul Husna Nurwijayanti Saragih, Wulandari Sarwoto Sarwoto, Sarwoto Siregar, Attila Rania Insiyah