Moderasi Literasi Keuangan Syariah terhadap Loyalitas Mahasiswa dalam Layanan dan Kepuasan Transaksi di Bank Syariah Indonesia (BSI)
DOI:
https://doi.org/10.70294/wtwq2c72Keywords:
Literasi Keuangan Syariah, Loyalitas, Layanan, Kepuasan Transaksi, Uang Kuliah Tunggal (UKT)Abstract
Penelitian kuantitatif ini bertujuan untuk menganalisis peran moderasi literasi keuangan syariah pada pengaruh kualitas layanan dan kepuasan terhadap loyalitas mahasiswa Universitas Islam Negeri (UIN) Raden Mas Said Surakarta dalam menggunakan layanan pembayaran Uang Kuliah Tunggal (UKT) di Bank Syariah Indonesia (BSI). Desain penelitian ini menggunakan pendekatan kuantitatif-tematik dengan menyebarkan kuesioner kepada 400 responden mahasiswa aktif yang dipilih menggunakan teknik purposive sampling. Data dianalisis secara komprehensif menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS) melalui program SmartPLS 4. Hasil pengujian model pengukuran (outer model) dan model struktural (inner model) membuktikan bahwa kualitas layanan dan kepuasan memiliki pengaruh positif dan signifikan secara langsung terhadap loyalitas mahasiswa. Sebaliknya, pengujian efek interaksi membuktikan bahwa literasi keuangan syariah tidak berperan sebagai variabel moderasi, melainkan bertindak sebagai predictor moderation yang secara langsung dan signifikan memengaruhi loyalitas mahasiswa dalam menggunakan layanan pembayaran UKT di BSI Surakarta.
Unduhan
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