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All Journal Al-Mashrof: Islamic Banking and Finance Al-Muhtarifin: Islamic Banking and Islamic Economic Journal
Dhidhin Noer Ady Rahmanto
Unknown Affiliation
Economics, Econometrics & Finance

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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  
Islamic Financial Literacy, Inclusion, and MSME Financial Well-Being: The Mediating Role of Islamic Banking Intention Dhidhin Noer Ady Rahmanto; Agustina Handayani
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.30801

Abstract

This study examines the effect of Islamic financial literacy and Islamic financial inclusion on the financial well-being of micro, small, and medium enterprises (MSMEs) and analyzes the mediating role of intention to use Islamic banking products. The research was conducted on MSME owners and managers in the trade and industrial sectors in Klaten Regency, Indonesia. Using a quantitative causal-associative design, primary data were collected through offline questionnaires from 100 MSME respondents selected using purposive sampling. The data were analyzed using SPSS 25 and PROCESS Macro Model 4 with bootstrapping. The findings show that Islamic financial literacy has a positive and significant effect on financial well-being and intention to use Islamic banking products. Islamic financial inclusion also has a positive and significant effect on both financial well-being and intention to use Islamic banking products. Intention to use Islamic banking products significantly improves MSME financial well-being. The mediation analysis reveals that intention to use Islamic banking products significantly mediates the relationship between Islamic financial literacy and financial well-being, but does not significantly mediate the relationship between Islamic financial inclusion and financial well-being. These findings indicate that knowledge must be translated into actual intention and usage to improve financial well-being, while access alone is insufficient when product adoption remains limited. The study contributes to Islamic finance literature by integrating financial literacy, financial inclusion, behavioral intention, and financial well-being in a single MSME-based mediation model.
Co-Authors Agustina Handayani Anidita Eka Nurcahyani Ratih Purbowisanti Shar Zaman