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All Journal IEFBR: Islamic Economics, Finance, and Banking Review International Journal of Islamic Finance (IJIF)
Andy Putra Wijaya
Unknown Affiliation
Religion Economics, Econometrics & Finance

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Pengaruh E-Service Quality, System Quality dan Customer Trust terhadap Loyalitas Nasabah Pengguna Mobile Banking Bank Syariah dengan Kepuasan Nasabah Sebagai Variabel Intervening: (Studi Kasus UMKM Pengguna M-Banking di Daerah Istimewa Yogyakarta) Pina Tarbiatul Hasanah; Sunu Prasetya Adi; Priyono Puji Prasetyo; Andy Putra Wijaya; Fitria Nurma Sari
Islamic Economics, Finance, and Banking Review Vol. 5 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/iefbr.v5i1.14272

Abstract

Di era digital ini, teknologi telah merubah setiap aspek kehidupan manusia, menggantikan manusia dalam banyak pekerjaan. Terdapat pergeseran berkala dari proses manual ke proses sistem informasi (Rouf, 2019). Penelitian ini bertujuan untuk menganalisis pengaruh Electronic Service Quality, System Quality, dan Customer Trust terhadap loyalitas nasabah pengguna mobile banking, dengan kepuasan sebagai variabel mediasi. Penelitian ini dilakukan pada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Daerah Istimewa Yogyakarta (DIY) yang memanfaatkan layanan mobile banking dalam kegiatan operasional mereka. Jenis penelitian ini yaitu penelitian deskriptif dengan menggunakan pendekatan kuantitatif sebagai metodenya. Penelitian ini menggunakan dua jenis sumber data yaitu primer dan sekunder. Objek penelitian ini yaitu pemilik atau pengelola UMKM. Pada penelitian ini peneliti menggunakan kuesioner online dengan sampel 100 responden nasabah pengguna mobile banking bank syariah dengan teknik purposive sampling. Pengujian instrumen pada penelitian yaitu uji validitas dan reliabilitas. Teknik analisis datanya ialah uji asumsi klasik yang mencakup uji normalitas,multikolinieritas, dan heteroskedastisitas. Pengujian hipotesis yang dilakukan yaitu uji t, uji mediasi, uji koefisien determinasi. Hasil penelitian menunjukkan bahwa Electronic Service Quality, System Quality, dan Customer Trust berpengaruh positif dan signifikan terhadap kepuasan nasabah. Selain itu, kepuasan nasabah terbukti menjadi variabel mediasi yang memperkuat hubungan antara ketiga faktor tersebut dengan loyalitas nasabah. Temuan ini menegaskan bahwa peningkatan kualitas layanan elektronik, sistem yang andal, serta kepercayaan pelanggan dapat meningkatkan kepuasan dan loyalitas pengguna mobile banking di kalangan UMKM. Oleh karena itu, penyedia layanan perbankan perlu terus meningkatkan aspek teknologi dan kepercayaan nasabah untuk mempertahankan loyalitas mereka dalam jangka panjang.
Generation Z’s Investment Interest In Indonesia’s Blockchain-Based Green Sukuk Fitria Nurma Sari; Andy Putra Wijaya; Amrullah
International Journal of Islamic Finance Vol. 3 No. 2 (2025): November 2025
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v3i2.2786

Abstract

Background: As sustainable finance gains prominence, blockchain technology has emerged as an innovative tool to enhance transparency, efficiency, and trust in Islamic capital markets. Blockchain-based Green Sukuk is one of the applications in finance and has the potential to attract investment interest from Generation Z, a demographic characterized by a strong openness to innovation. Objectives: This study aims to examines the determinants of Generation Z’s investment interest in Indonesia’s blockchain-based Green Sukuk. Novelty: This study addresses the relationships between digital financial literacy, Islamic fintech, and Generation Z’s investment interest in blockchain-based green sukuk. Research Methodology / Design: This research adopts a quantitative approach, collecting survey data from Generation Z respondents with knowledge or experience in digital financial services. The study focuses on two main predictors: digital financial literacy and Islamic fintech adoption. Findings: Findings reveal that higher digital financial literacy significantly increases the likelihood of investing in blockchain-based Green Sukuk, as it equips young investors with the ability to assess risks, understand product features, and navigate digital investment platforms. Furthermore, Islamic fintech serves as an enabler by providing Sharia-compliant, user-friendly, and accessible channels for sustainable investment products. The integration of blockchain in Green Sukuk issuance is found to strengthen investor confidence by ensuring accountability and traceability of funds toward environmentally beneficial projects. Implication: The results offer practical implications for policymakers, Islamic financial institutions, and fintech providers seeking to engage younger generations in sustainable Islamic finance. By combining sustainability goals, Sharia compliance, and emerging technology, this study contributes to bridging the gap between environmental objectives and the evolving investment preferences of Generation Z in Indonesia.
Co-Authors Amrullah Fitria Nurma Sari Pina Tarbiatul Hasanah Priyono Puji Prasetyo Sunu Prasetya Adi