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All Journal Jurnal Ilmu Manajemen (JIMMU) Al-Mashrof: Islamic Banking and Finance JCOMENT (Journal of Community Empowerment) Journal of Economics and Social Sciences
Ratih Purbowisanti
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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The Path to Loyalty in Sharia Cooperatives: Interlinking Service Quality, Relationship Marketing, and Member Satisfaction Anidita Eka Nurcahyani; Ratih Purbowisanti; Dhidhin Noer Ady Rahmanto; Shar Zaman
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 1 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/h0s6p309

Abstract

BMT is currently experiencing very rapid progress, as evidenced by the increasing number of financial institutions scattered everywhere. Of course, this is a challenge for sharia-based financial institutions, especially KSPPS BMT NITEN. The number of competitors makes it difficult for companies to retain members to remain loyal. To retain members, companies must provide good service quality and implement relationship marketing strategies to achieve member satisfaction, which will form member loyalty. This study aims to examine the effect of service quality  and relationship marketing on member loyalty  with member satisfaction as an intervening variable (study at KSPPS BMT NITEN). Data was collected by distributing questionnaires to 100 respondents with direct survey techniques. This quantitative research method uses data analysis techniques using Structural Equation Modelling (SEM) through the SMART PLS 4.0 software. The results showed that service quality and relationship marketing affect member satisfaction and loyalty, both directly and indirectly mediated by member satisfaction. Keywords: Financial institutions, Service Quality, Relationship Marketing, Customer Loyalty  
GENERATION Z’s INTEREST IN ISLAMIC MOBILE BANKING: A STUDY ON THE BYOND BY BSI APPLICATION Fadhilah Nurul Anisa; Ragil Satria Wicaksana; Farah Nur Syafi’ah Wijayanti; Ratih Purbowisanti
Jurnal Ilmu Manajemen (JIMMU) Vol. 10 No. 1 (2025): Jurnal Ilmu Manajemen (JIMMU)
Publisher : Magister Manajemen Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jimmu.v10i1.23462

Abstract

This study examines the influence of sharia service quality and technological ease of use on the interest in using the BYOND by BSI application, with customer satisfaction as a moderating variable. Employing a quantitative approach with purposive sampling, the research involved 120 Generation Z customers of Bank Syariah Indonesia in Yogyakarta. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0. Findings reveal that both sharia service quality and ease of use significantly and positively affect user interest in the application. Customer satisfaction also has a positive impact on interest. However, satisfaction does not moderate the relationship between the independent variables and user interest. This indicates that satisfaction neither strengthens nor weakens the effect of service quality and ease of use on user interest. The results suggest that for Generation Z users of Islamic mobile banking, ease of use and adherence to sharia principles are primary determinants of interest, regardless of satisfaction levels. Therefore, mobile banking development should emphasize user convenience and the consistent integration of Islamic features. Future research is encouraged to explore additional variables such as perception, security, and trust as potential mediators or moderators, and to expand the respondent base beyond Yogyakarta with a larger sample size
Peningkatan tata kelola keuangan masjid berbasis andorid untuk transparansi dan keberlanjutan Rahmanto, Dhidhin Noer Ady; Ragil Satria Wicaksana; Ratih Purbowisanti
JCOMENT (Journal of Community Empowerment) Vol. 6 No. 4 (2025): Community Empowerment
Publisher : The Journal Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55314/jcoment.v6i4.1096

Abstract

Tata kelola keuangan masjid yang akuntabel menjadi prasyarat kepercayaan jamaah dan keberlanjutan program kemasjidan. Namun, praktik di lapangan menunjukkan pencatatan kas masih dominan manual, format laporan tidak seragam, pengarsipan bukti transaksi tidak tertib, serta ketergantungan pada satu bendahara. Kegiatan pengabdian ini bertujuan meningkatkan transparansi dan akuntabilitas pengelolaan kas masjid melalui pendampingan digital menggunakan aplikasi berbasis Android melalui AppSheet yang dilengkapi buku panduan. Metode pelaksanaan menggunakan pendekatan Participatory Action Research (PAR) melalui tahapan: (1) koordinasi dan survei awal, (2) asesmen kebutuhan dan FGD, (3) buku panduan dan pengembangan aplikasi, (4) pelatihan dan praktik input transaksi, (5) pendampingan implementasi dan monitoring, serta (6) evaluasi dan rencana keberlanjutan. Evaluasi dilakukan melalui kuesioner penerimaan teknologi yang mengukur perceived usefulness, perceived ease of use, fasilitas pendukung, pengaruh sosial, kepercayaan & keamanan siber, persepsi transparansi & akuntabilitas, serta behavioral intention to adopt aplikasi. Hasil kegiatan menunjukkan mayoritas peserta menerima aplikasi dengan baik karena memudahkan rekap kas dan memperjelas laporan, namun hambatan utama muncul pada peserta usia lanjut yang memiliki keterbatasan literasi digital. Kegiatan merekomendasikan pendampingan berulang (micro-coaching), penunjukan PIC ganda (bendahara dan kader administrasi), serta mekanisme backup dan kontrol akses untuk memastikan keberlanjutan. Implikasi kegiatan ini adalah tersedianya model pemberdayaan tata kelola keuangan masjid yang mudah direplikasi melalui pembinaan DMI.
Financial Well-Being Stratification among Urban Households: A Multinomial Logit Analysis of Digital Payments, Saving Behavior, and Credit Access Dhidhin Noer Ady Rahmanto; Ragil Satria Wicaksana; Ratih Purbowisanti
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1323

Abstract

Rising global economic uncertainty in the aftermath of the COVID-19 pandemic has underscored the importance of household financial well-being (FWB) as a key pillar of economic resilience, particularly in urban settings. This study analyzes how digital payment adoption, saving behavior, and access to credit contribute to the stratification of FWB among urban households in Indonesia. The analysis uses microdata from the 2017 Survey on Financial Inclusion and Access (SOFIA), focusing on a sub-sample of 2,368 urban households aged 19–40 years across four provinces. FWB is constructed as an ordered categorical variable with four levels Low, Medium, High, and Very High based on multiple indicators of financial capability and access. A multinomial logit model is employed, with results interpreted using Average Marginal Effects (AMEs). The findings indicate that regular saving behavior and access to formal credit are the most consistent determinants of upward mobility across FWB categories. Regular saving significantly reduces the likelihood of being in the Low and Medium FWB categories and substantially increases the probability of attaining High FWB. Access to credit strongly increases the likelihood of reaching the Very High FWB category. The results suggest that financial inclusion in urban contexts should be understood as a combination of disciplined financial behavior and deeper engagement with formal financial services
Co-Authors Anidita Eka Nurcahyani Dhidhin Noer Ady Rahmanto Dhidhin Noer Ady Rahmanto Fadhilah Nurul Anisa Farah Nur Syafi’ah Wijayanti Ragil Satria Wicaksana Shar Zaman