El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Vol. 7 No. 10 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam

Pengaruh Kemudahan Penggunaan Aplikasi Pegadaian Digital dan Kualitas Pelayanan Terhadap Peningkatan Kepuasan Nasabah Generasi-Z di PT Pegadaian (Persero) UPC Banggai

Renaultdy Aditia Mamarasi (Sekolah Tinggi Manajemen Pariwisata dan Logistik (STIM-PAL) Lentera Mondial)
Milawati Milawati (Sekolah Tinggi Manajemen Pariwisata dan Logistik (STIM-PAL) Lentera Mondial)



Article Info

Publish Date
05 Oct 2026

Abstract

This study aims to analyze the effect of the use of Digital Service Applications and Service Quality on increasing customer satisfaction among Generation Z customers at PT Pegadaian (Persero) UPC Banggai. The research method used was a quantitative approach with a purposive sampling technique. The research sample consisted of customers of PT Pegadaian (Persero) UPC Banggai who belonged to the Generation Z category and had used the Pegadaian Digital Application. Data were collected through questionnaires and analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination. The results showed that the ease of use of the Pegadaian Digital Application had a positive and significant effect on customer satisfaction. Simultaneously, the variables of Digital Application Usage and Service Quality had a significant effect on Customer Satisfaction, with an F-count value of 1011.556, which was greater than the F-table value of 3.946, and a significance value of 0.000 < 0.05. This indicates that both variables together were able to increase the satisfaction of Generation Z customers at PT Pegadaian (Persero) UPC Banggai.

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Journal Info

Abbrev

elmal

Publisher

Subject

Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Mulai 2011, jurnal ini terbit tiga kali setahun setiap Maret, Juli dan November. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat ...