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All Journal Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Jurnal Perbankan Syariah Darussalam (JPSDa)
Aolia, Jumatul
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Economics, Econometrics & Finance Other

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The Effect Of Product Innovation And Service Quality On Customer Satisfaction: A Study On Indonesian Sharia Banks Aolia, Jumatul; Aulia, Putri; Rosmiati; Ananta, Herdi Gilang; Agustina, Ahadiah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4138

Abstract

This study aims to analyze the effect of product innovation and service quality on customer satisfaction at Islamic banks in Indonesia. The main issue in this study relates to the importance of developing relevant service and product strategies in increasing customer satisfaction and loyalty in the increasingly competitive Islamic banking sector. The approach used is quantitative with descriptive design. Primary data were collected through the distribution of Likert scale questionnaires to 100 randomly selected respondents. The independent variables consist of product innovation (X?) and service quality (X?), while the dependent variable is customer satisfaction (Y). The analysis technique used is multiple linear regression with the help of SPSS software version 22. The results showed that both product innovation and service quality have a significant influence on customer satisfaction, both partially and simultaneously. Simultaneously, the two variables explain 74.7% of the variation in customer satisfaction. The findings confirm the importance of product renewal and service quality improvement as key strategies in strengthening the position of Islamic banks in Indonesia.
Pengaruh Integrasi Fintech dan Pembiayaan Mikro Syariah Terhadap Pertumbuhan UMKM di Ekosistem Pariwisata Halal di Lombok Aolia, Jumatul; Safina, Safina; Nur’aini, Nur’aini
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Oktober: Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i3.1373

Abstract

The integration of financial technology (fintech) and Islamic microfinance represents a strategic innovation in strengthening financial access and supporting the growth of MSMEs, particularly within the halal tourism ecosystem. This study aims to quantitatively analyze and examine the influence of fintech and Islamic microfinance integration on the growth of MSMEs in the context of halal tourism in Lombok. The main focus is to assess the extent to which the collaboration between technology-based financial services and Sharia-compliant financing systems can enhance access to capital, operational efficiency, and business development capacity among MSME actors. This research employs a quantitative approach with an associative research type. Data were collected through Likert-scale questionnaires distributed to UMKM actors in Sembalun Village, East Lombok, a prominent halal tourism destination in Indonesia. Respondents were selected using purposive sampling based on specific criteria. Each research variable was measured using five relevant indicators. Multiple linear regression analysis was applied with the assistance of SPSS version 22 to test the hypotheses. The results indicate that both fintech integration and Islamic microfinance have a significant influence both partially and simultaneously on UMKM growth. These findings offer valuable insights for policy formulation and strategic efforts to empower UMKM in an innovative and sustainable manner, thereby contributing to local economic development based on halal tourism.
Co-Authors Ahadiah Agustina Ananta, Herdi Gilang Aulia, Putri Nuraini Nuraini Rosmiati Safina, Safina