INTENSITAS PENGGUNAAN ELECTRONIC BANKING OLEH NASABAH PT. BANK CENTRAL ASIA CABANG UTAMA AMBON

The purpose of this research is to test the effect of consumers value and system quality toward trust in order to increase frequency of the use of internet banking. The sample in this research are 180 BCA consumer as respondent. The technique used in this research was purposive sampling. Certain characteristics means only for consumer whose at least  one  product  connected  with  electronic  banking  facility  and  using  electronic banking  facility  in  financial  and  non  financial  transaction  for  above  6  months. Structural Equation Modelling (SEM) run by AMOS software, used to analyze the data. The analysis result shows that consumer value and system quality effected on trust in order to increase the use of internet banking. This empirical result indicates that  consumers  value  have  significant  effect  toward  trust,  system  quality  have significant toward trust, and trust have significant toward the use of internet banking.

FAKTOR YANG MEMENGARUHI KEPUASAN NASABAH BANK MUAMALAT CABANG AMBON

The purpose of this study is to examine the influence of attribute factors of Islamic products, religious commitment, trust, and quality of service on customer satisfaction, either partially or simultaneously at Bank Muamalat Ambon Branch. The customer in question is the customer of Muamalat Bank Ambon Branch either as a cash custodian or a fund user who has used the services of Bank Muamalat Ambon Branch at least one year. The sample of this research is 73 customers of Bank Muamalat Branch of Ambon, taken by accidental method, that is the determination of sample by chance, anyone who by chance meet with the researcher at the time of data collection can be used as sample. Data analysis techniques use multiple linear regression. The research results show product attributes, religious commitment, service quality and trust together have a positive and significant impact on customer satisfaction of Bank Muamalat Ambon Branch. Product attributes, religious commitment, service quality and trust are able to explain customer loyalty either simultaneously or partially