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All Journal Journal of Artificial Intelligence and Digital Business Tractare: Jurnal Ekonomi-Manajemen
Dethan , Stevany Hanalyna
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences

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Analisis Faktor-Faktor Literasi Keuangan (Studi Kasus pada Pedagang Pasar ACC Ampenan) Adzril, Meddy; Dethan , Stevany Hanalyna
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2724

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi literasi keuangan pedagang Pasar ACC Ampenan dengan sampel sebanyak 171 orang pedagang berdasarkan teknik purposive sampling. Teknik analisis data menggunakan analisis faktor dengan aplikasi SPSS versi 25. hasil penelitian menunjukkan bahwa faktor yang dominan mempengaruhi literasi keuangan adalah: (1) Pengelolaan keuangan. Sedangkan faktor yang tidak berpengaruh dengan literasi keuangan pedagang adalah: (1) Pengelolaan Kredit; (2) Pengelolaan Tabungan dan Investasi; dan (3) Manajemen Risiko.
The Impact Of Transaction Security, Ease Of Use, And Service Quality Of Mobile Banking On Customer Satisfaction At Bank NTB Syariah Nadia, Febriyanti Putri; Dethan , Stevany Hanalyna; Widiyanti, Baiq Dinna; Jati, Lalu Jatmiko; Assa’ady, M. Chothibul Umam
Tractare: Jurnal Ekonomi-Manajemen Vol 9 No 1 (2026): TRACTARE : Jurnal Ekonomi dan Manajemen
Publisher : Sekolah Tinggi Ilmu Ekonomi Bentara Persada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62820/trt.v9i1.194

Abstract

This study aims to identify and test the influence of transaction security, ease of use, and service quality of mobile banking (m-banking) on customer satisfaction at Bank NTB Syariah. The study employs a quantitative causal-associative approach with a sample of 170 active m-banking users selected using simple random sampling and purposive sampling techniques. Data were collected via a 1–5 Likert scale questionnaire and analyzed using multiple linear regression with SPSS. The results of the study indicate that: (1) transaction security does not have a significant effect on customer satisfaction; (2) ease of use has a significant negative effect; (3) service quality has a significant positive effect and is the most dominant factor; (4) all three variables simultaneously have a significant effect on customer satisfaction. These findings indicate that Bank NTB Syariah customers with high digital literacy consider security to be a basic factor that is already met, while excessive ease of use is perceived as reducing functionality. Efforts to improve customer satisfaction should focus on enhancing service quality, which includes efficiency, system availability, privacy, and security
Co-Authors Adzril, Meddy Jati, Lalu Jatmiko M. Chothibul Umam Assa’ady Nadia, Febriyanti Putri Widiyanti, Baiq Dinna