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The Effect of Service Quality and Digital Promotional Strategies on Gen Z Customers’ Satisfaction with Mobile Banking (Case Study of BTN Syariah Kudus) Putri Aria; Ahmad Fauzan Mubarok; Miswan Ansori
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15377

Abstract

This study aims to analyze the influence of mobile banking service quality and digital promotion strategies on user satisfaction with BTN Syariah Mobile among Gen Z customers at the BTN Syariah Kudus Sub-Branch Office (KCP). The research adopts a quantitative approach with an associative type of study. The population consists of Gen Z customers who are active users of BTN Syariah Mobile in Kudus, with a sample of 90 respondents selected using the purposive sampling method. Data analysis techniques include instrument testing, classical assumption testing, and multiple linear regression analysis conducted via SPSS. The partial results of the study indicate that service quality has a positive and significant effect on user satisfaction (t-count 2.258 > 1.987; Sig 0.026 < 0.05). Digital promotion strategy also has a positive and significant effect on user satisfaction (t-count 3.846 > 1.987; Sig 0.000 < 0.05). Simultaneously, both variables significantly influence user satisfaction with an F-value of 30.432 and a significance value of 0.000. The Adjusted R Square value of 0.398 indicates that service quality and digital promotion contribute 39.8% to the satisfaction of using BTN Syariah Mobile, while the remaining percentage is influenced by other factors outside this research model.
Analisis Strategi Penghimpunan Dana melalui Skema Dual Reward (Pasti dan Undian) pada Produk Simpanan VIP di BMT Mitra Muamalah Jepara Yugesh Aldebaran; Ahmad Fauzan Mubarok; Miswan Ansori
ANTHOR: Education and Learning Journal Vol 5 No 4 (2026): Anthor 2026
Publisher : Institut Teknologi Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/anthor.v5i4.1123

Abstract

Penelitian ini menganalisis strategi penghimpunan dana pada produk Simpanan VIP Berjangka BMT Mitra Muamalah Jepara melalui skema dual reward yang terdiri atas hadiah pasti dan hadiah undian. Penelitian dirancang menggunakan pendekatan kualitatif dengan studi kasus, sedangkan data diperoleh melalui wawancara semi-terstruktur, observasi, dan dokumentasi. Hasil penelitian disajikan dari analisis wawancara yang menunjukkan bahwa strategi penghimpunan dana dibangun melalui lima unsur yang saling menguatkan, yaitu segmentasi selektif terhadap anggota lama dan calon anggota bernilai tinggi, proposisi nilai yang memadukan kepastian dan daya tarik emosional, personal selling dan relationship marketing yang intensif, transparansi akad serta sumber hadiah, dan layanan purnajual yang berkelanjutan. Hadiah pasti berpotensi menurunkan persepsi ketidakpastian, sedangkan undian menciptakan daya tarik tambahan. Kendala yang diperkirakan muncul mencakup jangkauan pasar yang terbatas, kesalahpahaman terhadap akad syariah, keraguan mengenai mekanisme undian, biaya program, dan ketergantungan pada kemampuan petugas pemasaran. Penelitian mengusulkan strategi terpadu berupa standardisasi informasi produk, penguatan pemasaran digital, program referal, pengelolaan hubungan anggota berbasis data, dan evaluasi kepatuhan syariah secara berkala.