Judul: Analysis of Member Satisfaction and Loyalty to the Digital Service System KSPPS Khairu Ummah Bogor
Abstrak: Koperasi simpan pinjam menghadapi persaingan dari lembaga keuangan seperti financial technology yang sudah berbasis digital. Oleh karena itu, koperasi simpan pinjam perlu menerapkan sistem layanan menuju digital (Go Digital). Salah satu koperasi simpan pinjam yang telah menerapkan sistem pelayanan digital yaitu KSPPS Khairu Ummah Bogor. Penelitian ini bertujuan menganalisis tingkat kepuasan dan loyalitas anggota terhadap sistem pelayanan digital KSPPS Khairu Ummah, dan menganalisis hubungan kepuasan pelayanan digital dengan loyalitas anggota. Jumlah sampel anggota sebanyak 75 orang. Metode analisis menggunakan CSI, uji beda, IPA dengan dimensi SERVQUAL, NPS dan hubungan Rank Spearman. Penelitian menunjukkan bahwa kepuasan layanan digital lebih baik dibandingkan dengan layanan tatap muka. Perubahan digitalisasi pada pelayanan KSPPS Khairu Ummah telah meningkatkan kepuasan anggota. Nilai NPS termasuk kategori Great yang menunjukkan koperasi telah berkinerja baik dan memiliki anggota loyal. Kepuasan anggota berkorelasi sedang dengan loyalitas anggota. Kata kunci: koperasi, korelasi, digitalisasi, tatap muka, SERVQUAL, Savings and loan cooperatives face competition from financial institutions such as digital-based financial technology. Therefore, savings and loan cooperatives need to implement a service system towards digital (Go Digital). One of the savings and loan cooperatives that has implemented a digital service system is KSPPS Khairu Ummah Bogor. This study aims to analyze the level of satisfaction and loyalty of members to the digital service system of KSPPS Khairu Ummah, and to analyze the relationship between digital service satisfaction and member loyalty. The number of sample members is 75 people. The analysis method uses CSI, different test, IPA with SERVQUAL dimensions, NPS and Spearman Rank relationship. Research shows that digital service satisfaction is better than face-to-face services. Changes in digitization in Khairu Ummah KSPPS services have increased member satisfaction. The NPS value is in the Great category, which indicates the cooperative has performed well and has loyal members. Member satisfaction is moderately correlated with member loyalty. Keywords: correlation, cooperative, digitization, face to face, SERVQUAL
Keyword: correlation, cooperative, digitization, face to face, SERVQUAL

Judul: The Effect of Digital Service Quality Satisfaction on Bank Muamalat Indonesia Customer Loyalty
Abstrak: Adanya pelayanan secara digital atau salah satunya mobile banking merupakan suatu solusi yang tepat untuk menghadapi persaingan dalam industri perbankan. Dengan banyaknya keunggulan yang dimiliki dari mobile banking, Bank Muamalat Indonesia turut serta mengadopsi manfaat aplikasi tersebut guna meningkatkan performa kualitas Bank Muamalat Indonesia. Namun laporan survei menunjukkan bahwa peforma kinerja pada layanan digital di Bank Muamalat Indonesia lebih rendah daripada pelayanan digital perbankan syariah lainnya. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi kepuasan nasabah terhadap layanan digital serta pengaruhnya terhadap loyalitas nasabah Bank Muamalat Indonesia. Pengukuran kepuasan nasabah menggunakan konsep UTAUT 2 (Unified Theory of Acceptance and Use of Technology). Metode yang digunakan dalam penelitian ini adalah SEM-PLS. Hasil analisis SEM-PLS menunjukkan variabel effort expectancy, social influence, facilitating conditions, dan habit masing-masing berpengaruh secara signifikan terhadap user satisfaction, serta variabel user satisfaction berpengaruh secara signifikan terhadap continued usage intention. Namun variabel performance expectancy, sharia compliance, dan price value tidak berpengaruh terhadap user satisfaction. Penelitian ini diharapkan dapat menjadi preferensi pedoman yang berlaku untuk menerapkan dan merancang mobile banking secara efektif., The existence of digital services or one of them is mobile banking is the right solution to face competition in the banking industry. With the many advantages of mobile banking, Bank Muamalat Indonesia also adopts the benefits of the application to improve the quality performance of Bank Muamalat Indonesia. However, the survey report shows that the performance of digital services at Bank Muamalat Indonesia is lower than other digital Islamic banking services. This study aims to analyze the factors that influence customer satisfaction with digital services and their effect on customer loyalty at Bank Muamalat Indonesia. Measurement of customer satisfaction uses the concept of UTAUT 2 (Unified Theory of Acceptance and Use of Technology). The method used in this research is SEM-PLS. The results of the SEM-PLS analysis show that the variables of effort expectancy, social influence, facilitating conditions, and habit each have a significant effect on user satisfaction, and the variable user satisfaction has a significant effect on continued usage intention. However, the performance expectancy, sharia compliance, and price value variables have no effect on user satisfaction. This research is expected to be a guideline preference that applies to implementing and designing mobile banking effectively.
Keyword: mobile banking, loyalty, satisfaction, UTAUT

Judul: Embriogenesis ikan buta (Astyanax fasciatus)
Abstrak: Ikan buta Astyanax fasciatus adalah spesies ikan unik dari famili Characidae yang menempati perairan dalam gua di Wilayah La Cueva Chica-San Luis Potasi-Mexico. Ikan ini memiliki mata yang tereduksi (Blind Cavefish) dan warna kulit merah muda, pucat serta mengkilap.
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