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All Journal VALUE: Jurnal Ilmiah Akuntansi, Keuangan dan Bisnis PUBLIKA : Jurnal Ilmu Administrasi Publik
Aulia, Cholivatul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Pengaruh Kualitas Pelayanan, Literasi Keuangan, Dan Produk Dalam Memperkuat Minat Menabung Masyarakat: Studi Kasus BSI Aulia, Cholivatul; Puspa Anggrayni, Arnetha; Andni, Riyan
VALUE Vol 6 No 1 (2025): Edisi April 2025 - September 2025
Publisher : PRODI AKUNTANSI FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS TJUT NYAK DHIEN (UTND)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36490/value.v6i1.1774

Abstract

Penelitian ini bertujuan untuk mengevaluasi keterkaitan antara kualitas layanan, tingkat literasi keuangan, dan keberagaman produk terhadap ketertarikan masyarakat untuk menabung, dengan fokus pada Bank Syariah Indonesia (BSI). Pendekatan kuantitatif digunakan melalui penyebaran survei kepada 135 responden yang dipilih menggunakan teknik Accidental Sampling. Data primer diperoleh melalui kuesioner, kemudian dianalisis dengan pengujian validitas, reliabilitas, asumsi klasik, serta analisis regresi linier berganda menggunakan perangkat lunak Eviews 8. Temuan dari studi ini menunjukkan bahwa variabel kualitas layanan dan literasi keuangan tidak menunjukkan pengaruh yang signifikan terhadap minat menabung. Sebaliknya, variabel produk memberikan pengaruh yang signifikan. Secara simultan, ketiga variabel tersebut bersama-sama memiliki dampak yang signifikan terhadap minat menabung masyarakat. Dengan demikian, dapat disimpulkan bahwa faktor utama yang mendorong minat menabung di BSI adalah keunggulan produk yang ditawarkan.
The Influence of Infrastructure Development, Local Community Engagement, and Digital Promotion on Economic Welfare in Kudus Aulia, Cholivatul; Sukardi, Agung Slamet
PUBLIKA : Jurnal Ilmu Administrasi Publik Vol. 12 No. 1 (2026): Publika : Jurnal Ilmu Administrasi Publik
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jiap.2026.27416

Abstract

This study investigates the determinants of regional economic welfare across eight strategic tourism destinations in Kudus Regency, focusing on the interplay between physical infrastructure, local community participation, and digital promotion. Using a quantitative approach, economic welfare is operationally defined through indicators of household income, MSME profits, job opportunities, and productive asset accumulation. Data were collected via stratified random sampling from 100 integrated respondents, including local residents, MSME players, and tourists, to validate economic impact from both supply and demand perspectives. Multiple linear regression analysis conducted through EViews 8 reveals that infrastructure development ($X_1$) yields no significant impact on economic welfare ($p=0.190$), suggesting a saturation point in physical facilities. Conversely, community participation ($X_2$) shows a significant yet negative correlation ($p=0.011$), indicating a "social cost" where administrative engagement hinders household productivity. Digital promotion ($X_3$) emerges as the most dominant determinant ($p=0.000$), effectively bridging the information gap and minimizing economic leakage. Despite a moderate Adjusted R-squared of 0.1596, the model is statistically robust with a simultaneous significance (F-test) of 0.000191. The study concludes that regional economic acceleration in Kudus depends more on digital literacy and professionalized community management than on physical accessibility alone. Consequently, local authorities are recommended to shift policy focus toward integrating public facilities with creative economy hubs to ensure sustainable and inclusive economic growth.
Co-Authors Andni, Riyan Puspa Anggrayni, Arnetha Sukardi, Agung Slamet