Growth: Journal Management and Business
Vol. 4 No. 01 (2026): June 2026

Member Satisfaction in Cooperative Financial Services: The Roles of Internal System Quality, Service Quality, and Trust

Agen Driyanto (Universitas Nurul Jadid)
Fahrudin Fahrudin (Universitas Nurul Jadid)



Article Info

Publish Date
12 Aug 2026

Abstract

This study aims to analyze the influence of the quality of the member data management application system, service quality, and member trust on the level of member satisfaction at the Amanah Tongas Credit Union Savings and Loan Cooperative. The study uses a quantitative approach with a causal associative research type. The study population was 2,251 active members, while the sample was 340 respondents determined using the Slovin formula with a simple random sampling technique. Data collection was carried out through distributing questionnaires, observation, and documentation. Data analysis used IBM SPSS Statistics version 26 which included validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, partial tests (t-tests), simultaneous tests (F-tests), and coefficients of determination (R²). The results showed that the quality of the member data management application system had a positive but not significant effect on the level of member satisfaction. Conversely, the quality of service quality and member trust had a positive and significant effect on the level of member satisfaction. Simultaneously, the quality of the member data management application system, service quality, and member trust had a significant effect on the level of member satisfaction. Research findings show that improving service quality and strengthening member trust are the main factors in increasing member satisfaction, while developing application systems is still needed to support the effectiveness of cooperative administration and services.

Copyrights © 2026






Journal Info

Abbrev

jmb

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Growth: Journal Management and Business, published by Lentera Ilmu Nusantara Growth: Journal Management and Business accommodates the publication of research results in the field of Economics and Business conducted by lecturers as a manifestation of the Tri Darma of Higher Education. Growth: Journal ...