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Cakrawala Repositori Imwi
ISSN : 26208490     EISSN : 26208814     DOI : https://doi.org/10.52851/cakrawala.
Core Subject : Economy,
Jurnal Cakrawala Repositori IMWI focuses on publishing original research articles, reviewing articles from contributors, and current issues relating to Economics, Business and Management. The main purpose of the journal is to provide a platform for scholars, academics, and researchers to share contemporary thinking in the field. The work should not be published or submitted for publication elsewhere. The official language of the manuscript that will be published in Jurnal Cakrawala Repositori IMWI is Indonesian. For information and registration, contact cakrawala@imwi.ac.id. Jurnal Cakrawala Repositori IMWI is a peer-reviewed journal which is published six times a year. This journal is an open-access that publishes research outcomes with significant contributions to the understanding and improvement of management science. The review process in this journal employs a double-blind peer-review, which means that both the reviewer and author identities are concealed from the reviewers, and vice versa.
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Search results for , issue "16-27" : 1 Documents clear
Peran Islamic Banking Digitalization terhadap Financial Inclusion dan Loyalitas Nasabah Muslim Feri Hardiyanto; Agus Hidayat; Rudi Ferdiansah; Mohamad Maulana Ridzki
Cakrawala Repositori IMWI 16-27
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

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Abstract

This study investigates the role of Islamic Banking Digitalization (IBD) on Financial Inclusion (FIN) and Customer Loyalty (LOY) among Muslim bank customers in West Java, with Customer Trust (TRUST) as a mediating variable. Employing a Partial Least Squares Structural Equation Modeling (PLS-SEM) approach on 150 respondents selected through purposive sampling, results reveal that IBD (? = 0.312; p < 0.001), FIN (? = 0.278; p < 0.001), and their interaction IBD×FIN (? = 0.187; p = 0.003) positively and significantly affect customer loyalty. TRUST exerts the strongest direct effect on LOY (? = 0.423; p < 0.001) and partially mediates both IBD ? LOY and FIN ? LOY pathways (indirect ? = 0.167 and 0.144; p < 0.001). The model explains 68.47% variance in loyalty (R² = 0.6847). Findings underscore that Sharia-compliant digital banking services, integrated with financial inclusion strategies, are critical drivers of Muslim customer loyalty when underpinned by institutional trust and Islamic financial literacy.

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