Saro, Fitrotin Indah
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Pengaruh Kualitas Pelayanan Produk Gadai Emas Terhadap Kepuasan Nasabah BSI Widad, Romzatul; Saro, Fitrotin Indah
Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Vol 8, No 1 (2025): Oktober 2024 - Maret 2025
Publisher : Jurnal Akuntansi dan Keuangan Kontemporer (JAKK)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/jakk.v8i1.25395

Abstract

Tujuan Penelitian: Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan terhadap kepuasan nasabah pada layanan gadai emas di BSI KCP Probolinggo.Metode Penelitian: Penelitian ini menggunakan pendekatan kuantitatif dengan teknik survei melalui penyebaran kuesioner kepada 30 responden, serta dianalisis menggunakan metode Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS) melalui perangkat lunak SmartPLS 4.Kebaruan Penelitian: Studi ini memberikan kontribusi empiris pada literatur pemasaran jasa dengan fokus pada sektor keuangan syariah, khususnya dalam konteks layanan gadai emas, yang masih terbatas dalam penelitian sebelumnya.Hasil Penelitian: Hasil analisis menunjukkan bahwa kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah, dengan nilai original sample sebesar 0,896, t-statistik sebesar 26,493 (1,96), dan p-value sebesar 0,000. Nilai R-square sebesar 0,803 menunjukkan bahwa kualitas pelayanan mampu menjelaskan 80,3% variasi kepuasan nasabah.Implikasi: Temuan ini menjadi dasar strategis bagi manajemen BSI dalam meningkatkan mutu pelayanan guna menciptakan pengalaman nasabah yang lebih memuaskan dan loyal secara berkelanjutan. Research Objective: This study aims to analyze the effect of service quality on customer satisfaction in gold pawn services at BSI KCP Probolinggo.Research Method: A quantitative approach was employed using a survey technique by distributing questionnaires to 30 respondents. The data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) through the SmartPLS 4 software.Research Novelty: This study provides empirical contributions to the service marketing literature with a focus on the Islamic financial sector, particularly in the context of gold pawn services, which remain underexplored in previous research.Research Findings: The results show that service quality has a positive and significant effect on customer satisfaction, with an original sample value of 0.896, a t-statistic of 26.493 (1.96), and a p-value of 0.000. The R-square value of 0.803 indicates that service quality explains 80.3% of the variation in customer satisfaction.Implications: These findings serve as a strategic foundation for BSI management to enhance service quality in order to improve customer experience and long-term loyalty
GOLD INVESTMENT OPPORTUNITIES THROUGH GOLD INSTALLMENT PRODUCTS OF BANK SYARIAH INDONESIA KCP PROBOLINGGO Riadi, Lutfi; saro, fitrotin indah
IJED: International Journal of Economy Development Research Vol 3, No 2 (2024)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v3i2.10559

Abstract

Investment involves allocating a portion of one's wealth withthe expectation of future profits. Among various investment options, gold has gained popularity due to its perceived safety and profitability. One option for investing in gold is through BSI's gold installment plan. This financing product enables customers to acquire gold in the form of bullion by paying in installments, structured under murabaha contracts. To initiate this process, customers make an initial down payment of 20%, with the remaining 80% payable in installments. This studyaims to explore potential investment opportunities available through BSI's gold installment financing at the KCP Probolinggo office. To achieve this, a qualitative descriptive approach was employed through field research. The findings indicate that opportunities for investment in gold installment products are trending positively. Among the various advantages, gold investments often prove to be more profitable than cash, as they are less susceptible to inflation.Furthermore, gold is easy to buy and sell, the margins offered are competitive, and gold prices have historically shown an upward trend each year.