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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Betty Pebriani
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Digitalisasi dan Kualitas Layanan dalam Meningkatkan Kinerja Keuangan KSPPS: Studi Kasus BTM Pekalongan dengan Dana Pihak Ketiga sebagai Variabel Moderasi Betty Pebriani; Usamah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i11.9620

Abstract

This study investigates the impact of service quality and digitalization on the profitability of KSPPS BTM Pekalongan, with Third-Party Funds (TPF) serving as a moderating variable. A quantitative approach was applied using a census method, involving 135 employees across 13 branch offices and 1 sub-branch. Data were collected through questionnaires and analyzed using moderated regression analysis (MRA). The results reveal that service quality has a positive and significant effect on profitability, while digitalization exerts a negative and significant influence. Additionally, Third-Party Funds negatively moderate the relationship between service quality and profitability, but positively moderate the relationship between digitalization and profitability. These findings underscore the importance of enhancing service quality and strategically implementing digitalization initiatives, alongside effective management of Third-Party Funds, to improve the financial performance of Islamic microfinance cooperatives.
Co-Authors usamah