Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Jurnal Literasi Akuntansi JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)
Muh. Khairul Fatihin
Institut Agama Islam Hamzanwadi Pancor
Economics, Econometrics & Finance Engineering Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Pengaruh Sistem Pembayaran Berbasis QRIS dan Pelayanan Terhadap Keputusan Transaksi Konsumen: Studi Kasus Warung Rasbani Selong Lombok Timur Zahratun Maulidiati; Muh. Rabbul Jalil; Muh. Khairul Fatihin
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5752

Abstract

This study aims to analyze the effect of QRIS-based payment systems and service quality on consumer transaction decisions at Warung Rasbani, Selong, East Lombok. The study applies the Technology Acceptance Model (TAM) to understand the adoption of digital payment technology, the Servqual theory to assess service quality, and the transaction decision concept in consumer behavior. The research type is associative with a quantitative approach, aimed at identifying cause-and-effect relationships between independent and dependent variables. Data were collected through direct observation, documentation, and questionnaires distributed to Warung Rasbani consumers. Data analysis was performed using multiple linear regression with t-tests for partial hypotheses and F-tests for simultaneous hypotheses. The results indicate that QRIS-based payment systems (X1) and service quality (X2) partially have a significant effect on consumer transaction decisions (Y), with t_calculated for QRIS = 2.980 > t_table = 2.056, and for service = 3.817 > 2.056. Simultaneously, both variables significantly influence transaction decisions with F_calculated = 13.988 > F_table = 2.98. The coefficient of determination (R²) is 50.9%, indicating that 50.9% of transaction decisions are influenced by QRIS and service quality. This study provides practical implications for MSMEs to optimize digital payment technology and enhance service quality to improve consumer satisfaction and loyalty.
Pengaruh Merek, Harga dan Promosi terhadap Minat Gadai Emas Pada PT. Bank Syariah Indonesia Kantor Cabang Lombok Pancor Abdul Hanan; Muhammad Sapwan; Muh. Khairul Fatihin
Jurnal Literasi Akuntansi Vol 6 No 1 (2026): Maret 2026
Publisher : Yayasan Literasi Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55587/jla.v6i1.206

Abstract

Purpose: This study aims to examine the influence of brand, price, and promotion on customer interest in using gold pawn products at Bank Syariah Indonesia (BSI) KCP Pancor. The research seeks to identify which factors most strongly drive customers’ decisions to engage with Islamic pawn financing services, contributing to a deeper understanding of consumer behavior in Islamic banking. Method: A quantitative approach with an associative causal design was employed. The study involved 100 respondents selected through purposive sampling. Data were collected using a structured questionnaire based on a five-point Likert scale. The analysis utilized multiple linear regression supported by validity and reliability tests, classical assumption tests, the t-test, F-test, and coefficient of determination (R²) analysis. Finding: The results reveal that brand has no significant influence on customer interest, while price and promotion have significant and positive effects. The coefficient of determination (R²) of 0.349 indicates that 34.9% of customer interest is explained by brand, price, and promotion, while the remaining 65.1% is affected by other variables not included in this model. These findings demonstrate that practical factors, such as competitive pricing and effective promotional strategies, play a more dominant role in shaping customer preferences for Islamic gold pawn products. Novelty: This study provides empirical evidence that in the context of Islamic banking, customer interest is more strongly influenced by tangible benefits such as pricing and promotional appeal than by brand image. It highlights a behavioral shift among customers who prioritize economic and informational value over symbolic brand perception, offering new insights for Islamic financial institutions to refine their marketing strategies.
Co-Authors Abdul Hanan Muh. Rabbul Jalil Muhammad Sapwan Zahratun Maulidiati