Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici <p><span class="s1">JOURNAL GICI is a financial and business journal that presents various research results based on both qualitative and quantitative approaches and is published periodically semi-annually (twice a year) in June and December, with certain themes selected according to current issues. hotly discussed in public (top issue). This journal is <strong>accredited SINTA 5</strong> SK number 177/E/KPT/2024. The topics raised revolve around financial and business issues such as Accounting, finance, management, Business Etc</span></p> en-US hersusilo72@gmail.com (Herman Susilo) admin-it@stiegici.ac.id (Admin) Wed, 18 Jun 2025 17:16:02 +0700 OJS 3.3.0.11 http://blogs.law.harvard.edu/tech/rss 60 ANALISIS DETERMINAN KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2014-2023 https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/386 <p><em>This study aims to analyze the determinants of financial performance (NPF, CAR, BOPO, and FDR on ROA) of Sharia Commercial Banks in Indonesia during the period from 2014 to 2023. The data source used in this research is secondary data in the form of annual financial statements of Sharia Commercial Banks in Indonesia listed on the Indonesia Stock Exchange (IDX) for the period 2014-2023. The data analysis technique used is multiple linear regression with SPSS 26. The classical assumption tests used in this research are the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. Meanwhile, hypothesis testing was conducted using the F-test, T-test, and the coefficient of determination. The results of this study indicate that NPF has a negative and significant effect on ROA, CAR has a positive and insignificant effect on ROA, BOPO has a negative and significant as well as dominant effect on ROA, and FDR has a positive and significant effect on ROA. Simultaneous data testing shows that NPF, CAR, BOPO, and FDR have a significant influence and a very strong relationship with ROA in Islamic Commercial Banks in Indonesia for the period 2014-2023. The results of the coefficient of determination calculation show that the influence of NPF, CAR, BOPO, and FDR on ROA is 73.1%, while the remaining 26.9% is influenced by other factors not examined in the model that affect the financial performance of Sharia Commercial Banks in Indonesia for the period 2014-2023.</em></p> Heirunissa Copyright (c) 2025 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/386 Sun, 29 Jun 2025 00:00:00 +0700 Pengaruh Kualitas Produk, Kualitas Pelayanan, dan Harga Terhadap Keputusan Pembelian Produk Herbalife Nutrition di Ghidza Club Cibinong https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/392 <p>The aim of this research is to determine and analyze the influence of product quality, service quality and price on purchasing decisions for Herbalife Nutrition products at Ghidza Club Cibinong. The type of research used is quantitative research in the form of an associative strategy with research methods in the form of data collection using questionnaires, observations and interviews. The data analysis model used is multiple linear regression analysis. The sample consists of 50 respondents. The results of the regression test show that 84.5% of purchasing decision factors can be explained by Product Quality, Service Quality and Price while the remaining 15.5% is explained by other factors not examined in this research. meanwhile, the results of the F test show that simultaneously the variables Product Quality, Service Quality and Price simultaneously have a positive and significant effect on purchasing decisions with the analysis results being the value Fcount (90.133) &gt; Ftable (2.790). The results of the t test show that the product quality variable shows the results of t-count analysis (7.252), the service quality variable shows the results of t-count analysis (3.466), and the price variable shows the results of t-count analysis (2.368), where ttable (2.011) then partially the three variables this has a positive and significant effect on the decision to purchase Herbalife Nutrition products at Ghidza Club Cibinong. The dominant variable influencing purchasing decisions is product quality.</p> Gena , Rina Nurjanah Copyright (c) 2025 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/392 Thu, 19 Jun 2025 00:00:00 +0700 The Impact of Service Quality, Product Quality and Interest Rates on Customer Loyalty: The Mediating Role of Corporate Image (Case Study of Bank BRI's Kebon Jeruk Branch) https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/396 <p>This research aims to analyze the influence of service quality, product quality and interest rate levels on customer loyalty with the intervening variable of corporate image at BRI Kebon Jeruk branch office. This study uses a survey method with a sample of 95 people with the Simple Random Sampling technique. The data collection technique use saquestionnairethathas been tested for validity and reliability. The data analysis technique uses the SPSS 22.0 application by means of multiple linear regression analysis and path analysis tests . The results of the study provide the following conclusions: (1) service quality has a positive and significant effect on corporate image; (2) Product quality has a positive and significant effect on corporate image; (3) interest rates have a positive but not significant effect on corporate image; (4) service quality, product quality, and interest rates together have a positive and significant effect on corporate image; (5) service quality has a positive and significant effect on customer loyalty; (6) Product quality has a positive and significant effect on customer loyalty; (7) interest rates have a positive but not significant effect on member loyalty; (8) Perception, service quality have a simultaneous effect on customer loyalty; (9) Service quality, product quality, and interest rates have a simultaneous effect on customer loyalty through company image as an intervening</p> <p>variable.</p> Nori Pratiwi Copyright (c) 2025 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/396 Sun, 29 Jun 2025 00:00:00 +0700