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This Author published in this journals
All Journal Al-Mashrof: Islamic Banking and Finance Journal of Economics and Social Sciences
Dhidhin Noer Ady Rahmanto
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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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  
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 Ragil Satria Wicaksana Ratih Purbowisanti Shar Zaman