This study aims to determine the effect of information provided by mobile applications and experiences in using mobile applications on the trust in the use of mobile applications and their impact on the loyalty of the use of mobile applications Explanatory research employing a quantitative methodology, in this case by way of directly polling users of mobile applications is the kind of study that falls under this category. The survey was conducted using an online questionnaire to 315 respondents who were determined as a research sample using purposive sampling techniques. This research was conducted to users of Grab online transportation service applications in Malang with various considerations. The results of the research show that information quality has a positive and significant effect on trust and customer loyalty, experience quality has a positive and significant effect on trust then trust has a positive and significant effect on customer loyalty. The results of this study provide findings that are different from previous studies where the experience quality variable does not have a significant effect on customer loyalty. The results of this study indicate that trust plays an important role in mediating the relationship between information quality and customer loyalty as well as the relationship of experience quality with customer loyalty.
This study aims to analyze the significance effect of Financing to Deposit Ratio (FDR), Operasional Activity Efficiency Ratio (REO), Non Performing Financing (NPF) and Inflation toward Return On Asset (ROA) at Sharia Commercial Banks in Indonesia Period 2014-2019, both simultaneously and partially. The population in this study were all Sharia Commercial Banks in Indonesia period 2014-2019, while the sample in this study were 4 (four) Sharia Commercial Banks in the period of 2014-2019, which were selected using purposive sampling technique. The analysis model in this study is a multiple linear regression analysis model, and the analysis technique used the simultaneous test (F test), determination coefficient test (R2), and partial test (t test). The result of this study showed that the FDR, REO, NPF and Inflation simultaneously have a significant effect toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019. Furthermore FDR partially has a positive but not significant effect toward ROA, REO partially has a negative and significant effect toward ROA, NPF partially has a negative but not significant effect toward ROA, and Inflation partially has a positive and significant toward ROA at Sharia Commercial Banks in Indonesia period 2014-2019.
This study aims to analyze the significance of the effect of work motivation, work environment, and work stress on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office either simultaneously or partially. The population in this study were all employees at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office. The sampling technique used was purposive sampling, as many as 55 employees. The data used in this study is primary data obtained through the distribution of questionnaires. The data analysis model uses multiple linear regression analysis model. While the data analysis technique used the F statistical test, the coefficient of determination (R2 ), and the t statistic test which was processed using the SPSS 26 program. The results of the analysis and discussion show that work motivation, work environment, and work stress simultaneously have a significant effect on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office. Partially, work motivation has a positive and significant effect. Meanwhile, work environment and work stress have a positive and insignificant effect on employee performance at PT Bank Tabungan Negara (BTN) Sharia Semarang Branch Office.
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