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All Journal Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin
Siti Masyfuah Azzahro
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Digitalisasi Bank Aceh terhadap Kualitas Pelayanan dan Kepuasan Nasabah serta Dampaknya terhadap Loyalitas Nasabah di Kawasan Agraris Aceh Barat Siti Masyfuah Azzahro
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 1 No. 4 (2025): JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/xtkzgv11

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh digitalisasi Bank Aceh Syariah terhadap kualitas pelayanan, kepuasan nasabah, serta dampaknya terhadap loyalitas nasabah di kawasan agraris Aceh Barat. Penelitian ini menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 100 responden. Data dianalisis menggunakan analisis jalur (path analysis). Hasil penelitian menunjukkan bahwa digitalisasi tidak berpengaruh langsung terhadap kualitas layanan, kepuasan nasabah, maupun loyalitas. Namun, kepuasan nasabah memediasi hubungan digitalisasi dan loyalitas secara signifikan. Temuan ini menunjukkan bahwa kepuasan menjadi faktor kunci dalam membentuk loyalitas. Penelitian ini memberikan kontribusi praktis dalam pengembangan layanan digital yang disertai peningkatan kepuasan, serta kontribusi teoretis melalui penekanan peran mediasi dalam model hubungan digitalisasi dan loyalitas.
Analisis Strategi Operasional dan Pengembangan UMKM Bintang Bakery Menggunakan Pendekatan SWOT, Balanced Scorecard, dan Cost–Benefit Analysis Siti Masyfuah Azzahro
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 4 (2025): OKTOBER-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/sf6c7c75

Abstract

This study aims to analyze the operational strategy and business sustainability of the Bintang Bakery MSME in West Aceh Regency. The analytical approaches used include SWOT, Balanced Scorecard (BSC), and Cost–Benefit Analysis (CBA). Data were obtained through direct observation, interviews with the business owner, and daily operational documentation. The results indicate that Bintang Bakery's main strengths lie in product quality, customer loyalty, and consistent production processes. However, weaknesses remain, including limited production capacity and marketing that is not yet digitally integrated. The CBA indicates that the business is financially viable with an average net profit of IDR 12,500,000 per month and a Benefit–Cost Ratio (BCR) > 1. From a BSC perspective, the business has met customer and internal process indicators, but needs improvement in employee learning and asset development. This study recommends increasing production capacity, optimizing layout, using simple technology, and strengthening digital marketing strategies.
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