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All Journal Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Cendekia Ilmiah
Ermyna Seri
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Religion Humanities Education Social Sciences

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Pengaruh Kemudahan Penggunaan Dan Kualitas Sistem Byond BSI Terhadap Kepuasan Nasabah Harahap, Annisa Oktavia; Rahmadani; Supaino; Zulhendry; Ermyna Seri
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 02 (2025): JESPB Edisi Oktober 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i02.2957

Abstract

This study aims to analyze the effect of ease of use and system quality on customer satisfaction, with respondents being Muslim students of Politeknik Negeri Medan. The research employs a quantitative approach using survey techniques. Data were collected through a Likert-scale questionnaire distributed to 100 respondents and analyzed using multiple linear regression with the assistance of SPSS version 26. The results show that, partially, the ease of use variable does not have a significant effect on customer satisfaction. Conversely, system quality has a positive and significant effect on satisfaction. Simultaneously, ease of use and system quality also have a positive and significant influence on customer satisfaction. The coefficient of determination (R²) value of 0.500 indicates that 50% of the variation in customer satisfaction can be explained by the two independent variables. The conclusion of this study emphasizes the importance of system quality in enhancing customer satisfaction with Islamic digital banking applications. These findings align with the Technology Acceptance Model (TAM) approach and the principles of Maqashid Sharia.
Pengaruh Pembiayaan Syariah, Pendampingan Bisnis, Dan Manajemen Keuangan Terhadap Kinerja UMKM Ridho, Fachmi; Ahmad Kholil; Muhammad Zuardi; Diena Fadhilah; Ermyna Seri
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 3: April 2026
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/j-ceki.v5i3.14848

Abstract

Riset ini bertujuan menganalisis pengaruh pembiayaan syariah, pendampingan bisnis, dan manajemen keuangan terhadap kinerja UMKM nasabah Bank BTPN Syariah di Mobile Marketing Syariah (MMS) Lubuk Pakam. Penelitian dilatarbelakangi pentingnya peran lembaga keuangan syariah dalam mendukung pertumbuhan UMKM melalui penyediaan akses modal syariah, pendampingan intensif, serta pengelolaan finansial yang efektif. Menggunakan metode kuantitatif dengan teknik pengumpulan data kuesioner pada 97 responden dan dianalisis menggunakan regresi linier berganda (SPSS 26), ditemukan bahwa ketiga variabel (pembiayaan syariah, pendampingan bisnis, dan manajemen keuangan) secara simultan berpengaruh signifikan terhadap kinerja UMKM. Namun, hasil uji t (parsial) menunjukkan bahwa variabel pembiayaan syariah tidak berpengaruh signifikan, sedangkan variabel pendampingan bisnis dan manajemen keuangan terbukti memiliki pengaruh signifikan terhadap kinerja UMKM nasabah Bank BTPN Syariah di MMS Lubuk Pakam.
Co-Authors Ahmad Kholil Diena Fadhilah Harahap, Annisa Oktavia Muhammad Zuardi Rahmadani Rahmadani Ridho, Fachmi Supaino Zulhendry