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All Journal KENDALI: Economics and Social Humanities Scripta Economica: Journal of Economics, Management, and Accounting
Elpan Pino’o
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Economics, Econometrics & Finance

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SYNERGY OF PRODUCT QUALITY AND AUTOMATIC TELLER MACHINE (ATM) SERVICES OF BANK KALTENG IN INCREASING CONSUMER SATISFACTION : (A Study of Student Members of the Accounting Department Association for the 2023/2024 Period at the Faculty of Economics and Business, Palangka Raya University) Elpan Pino’o
KENDALI: Economics and Social Humanities Vol. 4 No. 1 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i1.768

Abstract

This study aims to comprehensively analyze the influence of product quality and service quality of Bank Kalteng Automated Teller Machine (ATM) services on consumer satisfaction, focusing on student members of the Accounting Department Association at the Faculty of Economics and Business, University of Palangka Raya, during the 2023/2024 period. The research adopts a quantitative approach, utilizing a structured questionnaire distributed to a sample of 60 respondents selected through the Slovin formula from a population of 70 students. Multiple linear regression analysis, supported by classical assumption tests, was employed to examine the simultaneous and partial effects of product quality (X1) and service quality (X2) on consumer satisfaction (Y). The results indicate that, when analyzed together, both product quality and service quality have a positive and significant effect on consumer satisfaction. However, when tested partially, only service quality demonstrates a positive and statistically significant influence, while product quality, although positive, does not show a significant effect. The model explains 27.15% of the variation in consumer satisfaction, suggesting that other factors may also play a role in shaping satisfaction levels. These findings highlight the crucial importance of service quality in the context of ATM banking services, especially for young and educated consumers such as university students, who often have high expectations for convenience, reliability, and responsiveness. The practical implication of this research is that Bank Kalteng should prioritize continuous improvement in service quality, including staff training, technological upgrades, and responsiveness to consumer needs, to enhance satisfaction and loyalty. Furthermore, the study provides valuable insights for other banks facing similar challenges in the digital era, emphasizing that while product features are important, the quality of service delivery remains the main determinant of customer satisfaction in ATM services. Future research is encouraged to explore additional variables that may affect satisfaction, such as security, accessibility, and digital integration.
Kebijakan Sektor Publik, Kontribusi Ekonomi, dan Peran Pemerintah Daerah terhadap Persepsi Penyebab Kerusakan Lingkungan: Studi pada Peserta Kamu Fest 4.0 Kalimantan Tengah 2025 Elpan Pino’o
Journal of Economics, Management, and Accounting Vol 1 No 1 (2025): Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/mh10kn19

Abstract

This research aims to analyze the influence of public sector policy, mining economic contribution, and local government roles on youth perceptions regarding the causes of environmental degradation in Central Kalimantan. The respondents were participants of Kamu Fest 4.0 in 2025. Using multiple linear regression analysis and primary survey data, the results show that public policy (X1), economic contribution (X2), and local government roles (X3) simultaneously have a positive effect on youth perceptions of environmental degradation (Y). Partially, public policy (X1) shows a significant effect, local government roles (X3) also show a significant effect, while economic contribution (X2) has a positive but insignificant influence. These findings highlight the importance of effective environmental governance to support sustainability.
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