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All Journal Efektor Jurnal Manajemen Perbankan Keuangan Nitro
Ahmad Balya, Toifur
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Pengaruh Kemitraan Koperasi Unit Desa dengan Peternak Sapi Perah terhadap Kesejahteraan Anggota Kemitraan Desa Nglurup Kecamatan Sendang Kabupaten Tulungagung Ahmad Balya, Toifur; Lailiyah, Nur
Efektor Vol 12 No 2 (2025): Efektor Vol.12 No.2 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/e.v12i2.26972

Abstract

Starting from the urgency of the role of Village Unit Cooperatives (KUD) in improving the quality of life in rural communities, this study aims to examine the implementation of partnership patterns, the supporting and inhibiting factors, as well as their impact on members’ welfare. The research focuses on the partnership between KUD and dairy farmers in Nglurup Village, Sendang District, Tulungagung Regency. A quantitative approach was employed through a survey of 211 partnership members. Data were collected using a closed-ended Likert-scale questionnaire and structured observations with specific guidelines. The validity and reliability of the instruments were tested using Pearson correlation analysis and Cronbach’s Alpha. Data analysis was conducted using simple linear regression to determine the effect of the partnership variable (X) on welfare (Y). The results indicate that the partnership between KUD and dairy farmers has a significant impact on members’ welfare. The coefficient of determination shows that the partnership contributes positively in explaining variations in welfare levels. In conclusion, strengthening the partnership model between KUD and dairy farmers needs to be continuously enhanced as a strategy to support rural economic development based on local wisdom. These findings are expected to serve as a reference for formulating economic empowerment policies in rural areas.
Pengaruh Pengaruh Kualitas Produk Tabungan Haji Zam-Zam Terhadap Minat Nasabah Di Panin Dubai Syariah Bank KC HR. Muhammad Surabaya Ahmad Balya, Toifur; Sandi, Misella
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 2 No. 1 (2026): Special Volume for International Collaboration ASEAN Countries
Publisher : LP2M IBK Nitro

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Abstract

The rapid growth of Islamic banking in Indonesia has led to various financial product innovations, including hajj savings. Panin Dubai Syariah Bank KC HR. Muhammad Surabaya offers the Zam-Zam Hajj Savings as a solution for the community in preparing for the pilgrimage. This study aims to evaluate the product quality of Zam-Zam Hajj Savings, customer interest level, and the extent to which product quality influences saving interest. The research employed a quantitative approach by distributing questionnaires to 30 respondents, then analyzed using validity, reliability, classical assumption tests, and simple linear regression. The results indicate that most respondents (63%–80%) rated the product quality as very good, while saving interest was also high (53%–70%). Regression analysis revealed a positive and significant influence of product quality on customer interest, with a contribution of 70.6%, while the remaining percentage is influenced by other external factors. Thus, the Zam-Zam Hajj Savings product proves to be effective in attracting public interest to save at Panin Dubai Syariah Bank.
Co-Authors NUR LAILIYAH Sandi, Misella