Analisis Pengaruh Faktor Pribadi dan Budaya Terhadap Keputusan Pembelian

Abstract– This study aims to determine: 1) The magnitude of the influence of personal factors on purchasing decisions at Alfamart Batukaras; 2) The magnitude of the influence of cultural factors on purchasing decisions at Alfamart Batukaras; 3) The magnitude of the influence of personal and cultural factors on purchasing decisions at Alfamart Batukaras. The research method used in this study is an explanatory survey research method with a quantitative data approach. The number of population that will be used as the object of research is the number of consumers of Alfamart Batukaras in December 2019 as many as 1,698 people. The sample size selected was 94 people. Data collection techniques in this research are library research, field studies (observations, interviews and questionnaires). Based on the results of the study that: 1) There is a positive and significant influence on personal factors on consumer purchasing decisions at Alfamart Batukaras. This means that if personal factors increase then consumer purchasing decisions will increase; 2) There is a positive and significant influence of cultural factors on consumer purchasing decisions at Alfamart Batukaras. This means that if cultural factors increase, consumer purchasing decisions will increase, 3) There is a positive and significant influence of personal and cultural factors on consumer purchasing decisions at Alfamart Batukaras. This means that if personal factors and cultural factors increase then consumer purchasing decisions will increase. Abstrak– Penelitian ini bertujuan untuk mengetahui: 1) Besarnya pengaruh faktor pribadi terhadap keputusan pembelian pada Alfamart Batukaras; 2) Besarnya pengaruh faktor budaya terhadap keputusan pembelian pada Alfamart Batukaras; 3) Besarnya pengaruh faktor pribadi dan faktor budaya terhadap keputusan pembelian pada Alfamart Batukaras. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian survey explanatory dengan pendekatan data kuantitatif. Jumlah populasi yang akan dijadikan objek penelitian adalah jumlah konsumen Alfamart Batukaras pada bulan Desember 2019 yaitu sebanyak 1.698 orang. Ukuran sampel yang dipilih adalah sebanyak 94 orang. Teknik pengumpulan data dalam penelitian ini adalah studi kepustakaan, studi lapangan (observasi, wawancara dan angket). Berdasarkan hasil penelitian bahwa : 1) Terdapat pengaruh yang positif dan signifikan faktor pribadi terhadap keputusan pembelian konsumen pada Alfamart Batukaras. Artinya jika faktor pribadi meningkat maka keputusan pembelian konsumen akan meningkat; 2) Terdapat pengaruh yang positif dan signifikan faktor budaya terhadap keputusan pembelian konsumen pada Alfamart Batukaras. Artinya jika faktor budaya meningkat maka keputusan pembelian konsumen akan meningkat, 3) Terdapat pengaruh yang positif dan signifikan faktor pribadi dan faktor budaya terhadap keputusan pembelian konsumen pada Alfamart Batukaras. Artinya jika faktor pribadi dan faktor budaya meningkat maka keputusan pembelian konsumen akan meningkat.

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Kesesuaian Fatwa DSN MUI No. 4 Tahun 2000 Pada Pembiayaan Murabahah di Bank Syariah Mandiri KCP Padang Panjang

EKONOMIKA SYARIAH Journal of Economic Studies ◽

10.30983/es.v4i2.3584 ◽

2020 ◽

Vol 4 (2) ◽

pp. 208

Author(s):

Rahmat Firdaus ◽

Melisantri Okvita

Keyword(s):

Data Collection ◽

Research Method ◽

Qualitative Method ◽

Field Research ◽

Research Field ◽

Islamic Banks ◽

Library Research

The purpose of this research is to find out and to analyze the implementation of murabahah financing at Bank Syariah Mandiri KCP Padang Panjang its conformity with the DSN MUI Fatwa Number four of two thousand. This type of research is field research field research and library research research. The research method used is a qualitative method. Data collection techniques are observation, interview and documentation. The results of this study indicate that in the general provisions of Islamic banks that the bank buys the goods needed only on behalf of the bank itself and the purchase must be separate and have personal limitations. However, in practice, it is found that the bank provides money to customers to buy one of the items needed on behalf of the bank using an installment system based on the amount and time determined by the bank. in is allowed by the clerics on the condition that the bank authorizes the customer to buy goods under the murabahah bil wakalah contract. However, according to the author's opinion, there is no conformity of the DSN-MUI fatwa regarding murabahah with its practice at Bank Syariah Mandiri KCP Padang Panjang. Tujuan dalam penelitian ini adalah untuk mengetahui dan menganalisis pelaksanaan pembiayaan murabahah pada Bank Syariah Mandiri KCP Padang Panjang kesesuaiannya dengan Fatwa DSN MUI No. 4 Tahun 2000. Jenis penelitian adalah penelitian lapangan field research. Metode penelitian yang digunakan adalah metode penelitian kualitatif. Teknik pengumpulan data adalah observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwasannya dalam ketentuan umum fatwa murabahah di bank syariah yaitu bank membeli barang yang dibutuhkan nasabah atas nama bank sendiri dan pembelian harus sah dan bebas riba. Akan tetapi pada prakteknya dilapangan adalah bank memberikan uang kepada nasabah untuk membeli salah satu barang yang dibutuhkan atas nama bank dengan sistem angsuran berdasarkan jumlah dan waktu yang telah ditetapkan oleh bank. Hal ini dibolehkan oleh ulama dengan ketentuan pihak bank menguasakan kepada nasabah untuk membeli barang dengan akad murabahah bil wakalah.

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Implementation of Education Rights Fulfillment for Street Children by the Local Government

Jurnal Administrasi dan Kebijakan Publik ◽

10.25077/jakp.5.1.22-38.2020 ◽

2020 ◽

Vol 5 (1) ◽

pp. 22-38

Author(s):

Aurora Virgonia ◽

Rozidateno Putri Hanida ◽

Roni Eka Putra

Keyword(s):

Qualitative Research ◽

Local Government ◽

Data Collection ◽

Policy Implementation ◽

Local Governments ◽

Research Method ◽

Street Children ◽

Research Result ◽

Field Studies ◽

Library Research

Children and education are two related elements to each other. Both the central and local governments have also issued policies that govern the education of children. But in fact, education for the street children has been still faced with some obstacles during the implementation. This research was conducted in Padang Municipality. This research was the result of the field studies to describe and analyze how was the effort of the fulfillment of the education rights of the street children in Padang Municipality. The research was conducted using qualitative research method where data collection techniques by interviews with several related stakeholders to this policy, observed the phenomena that have related to the policy, and do library research from any references such as the government's document and scientific research and tested with by triangulation sources techniques. The research result shows that there are some difficulties during the fulfillment of street children's education to implement by the few stakeholders. In addition, the incapability of these polices to provided clarity to each process of the policy implementation so that the output of the policy has not been able to be reached to the maximum

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Pengaruh Faktor Sosial, Faktor Pribadi, Faktor Psikologi, Faktor Kebudayaan terhadap Keputusan Pembelian Kartu Three

BISMA (Bisnis dan Manajemen) ◽

10.26740/bisma.v7n2.p81-89 ◽

2018 ◽

Vol 7 (2) ◽

pp. 81

Author(s):

Putri Anggreni

Keyword(s):

Significant Influence ◽

Social Factors ◽

Psychological Factors ◽

Regression Coefficient ◽

Linear Regression Analysis ◽

Cultural Factors ◽

Personal Factors ◽

Purchasing Decisions ◽

Significance Level ◽

Purchasing Decision

Introduction to consumer demand for a product is the beginning of the decision-making process. The need to communicate is a very important thing in human life. With respect to the existence of diverse consumers and their behavior then the management should really responsive to observations of what is wanted. In connection with the research done on the title : The Effect of Social Factors, Personal Factors, Psychological Factors, Cultural Factors Against Three Card Purchase Decision In Singaraja City, based on the results of multiple linear regression analysis was done in this study, obtained the following regression equation: Y = 6.604 + 0.254X1 + 0.494X2 - 0.298X3 + 0.526X4. The results obtained by the analysis of social factors that variable (X1) has a regression coefficient of 0.254 (is positive) to the purchasing decision (Y) and t value of 1.116 with a significance level of 0.275 (> 0.05). This means that social factors (X1) has no significant influence on purchasing decisions (Y). Thus Hypothesis This means that Ho accepted and Ha is rejected, the analysis results obtained that individual factor variables (X2) has a regression coefficient of 0.494 (is positive) to the purchasing decision (Y) and t value of 3.149 with a significance level of 0.004 (> 0.05 ). This means that individual factors (X2) has a significant influence on purchasing decisions (Y). Thus the hypothesis Ho is rejected and Ha accepted, results obtained by analysis of the psychological factors that variable (X3) has a regression coefficient of 0.298 (negative sign) to the purchasing decision (Y) and t value of -0.781 with a significance level of 0.442 (> 0.05). This means that the psychological factor (X3) does not have a significant influence on purchasing decisions (Y). Thus Hypothesis This means that Ho accepted and Ha is rejected, results obtained by analysis of the cultural factors that variable (X4) has a regression coefficient of 0.526 (is positive) to the purchasing decision (Y) and t value of 1.604 with a significance level of 0.121 (> 0.05 ). This means that cultural factors (X4) does not have a significant influence on purchasing decisions (Y). Thus Hypothesis this means that : Ho accepted and Ha is rejected, adjusted R-square value obtained for 0.480 or 48.0%. Than customer satisfaction (Y) can be explained by the variable quality of service (X1), product (X2), promotion (X3), while 52.0% can be explained by factors-factors not examined in this study.

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KINERJA BIROKRASI PEMERINTAH DAERAH (STUDI KASUS: MASALAH PENGETAHUAN DAN KETERAMPILAN APARATUR DI SEKRETARIAT DAERAH KABUPATEN BANTAENG)

Otoritas Jurnal Ilmu Pemerintahan ◽

10.26618/ojip.v3i2.73 ◽

2013 ◽

Vol 3 (2) ◽

Author(s):

Nurhidayah Nurhidayah ◽

Mappamiring Mappamiring ◽

Burhanuddin Burhanuddin

Keyword(s):

Data Collection ◽

Quantitative Data ◽

Field Research ◽

Sampling Technique ◽

Field Studies ◽

Negative Influence ◽

Knowledge And Skills ◽

Level Of Education ◽

Library Research ◽

The Impact

This study aimed at knowing the impact of the knowledge and skills problem in Secretariat of Bantaeng regency asaform of Bureaucracy Pathology. The findings of this study were expected to provide more information about the condition of bureaucracy in the secretariat of Bantaeng regency and its bureaucratic pathologies that have disturbed the function of the bureaucracy as a tool of society in achieving an ideal goal. Academically, the findings of this study were expected to provide more values which can then be compared with other scientific studies, especially under the problem of bureaucratic pathology. The method used in this study was descriptive qualitative supported by quantitative data in the form of tables of frequency with library research (library research) and field studies (field research) as the techniques of data collection. Meanwhile, the sampling technique used in this research was the total sampling in which the samples were taken subjectively who considered representative for this study. The results showed how the problem of knowledge and skill under the indicators: 1). Level of education, 2). Training, 3). Experience gave a negative influence on the performance of civil servants. Finally, this influences the incompetence of bureaucratic to run the roles and functions or in term of Bureaucracy Inconsistency. Penelitian ini bertujuan untuk mengetahui dampak dari masalah pengetahuan dan keterampilan di Sekretariat Kabupaten Bantaeng sebagai salah satu bentuk Patologi Birokrasi. Hasil dari penelitian ini diharapkan mampu memberi informasi lebih tentang kondisi birokrasi di sekretariat daerah kabupaten Bantaeng serta patologi birokrasinya yang selama ini cukup mengganggu fungsi birokrasi sebagai alat masyarakat dalam mencapai tujuan ideal. Dari segi akademik, hasil dari penelitian ini diharapkan member nilai tambah yang selanjutnya dapat dikomparasikan dengan penelitian-penelitian ilmiah lainnya, khususnya yang mengkaji masalah patologi birokrasi. Metode penelitian yang digunakan adalah deskriptif kualitatif yang didukung dengan data kuantitatif dalam bentuk tabel frekuensi, dengan teknik pengumpulan data studikepustakaan (library research) dan studi lapangan (field research). Sedangkan teknik penarikan sampel yang digunakan adalah sample total yaitu mengambil sampel secara subjektif yang dianggap representatif. Dari hasil penelitian menunjukkan bagaimana masalah pengetahuan dan keterampilan dengan indikator: 1). Tingkat pendidikan, 2). Pelatihan, 3). Pengalaman, memberi pengaruh negatif terhadap kinerja pegawai negeri sipil. Pada akhirnya pengaruh ini mengakibatkan ketidak mampuan birokrasi menjalankan peran dan fungsinya atau yang disebut dengan istilah Inkonsistensi Birokrasi.

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AKAD FINANCING OF MURABAHAH BETWEEN CUSTOMERS WITH MUAMALAT BANKS HARKAT VIEWED FROM SHARI'AH PRINCIPLES

Bengkoelen Justice : Jurnal Ilmu Hukum ◽

10.33369/j_bengkoelenjust.v10i1.11340 ◽

2020 ◽

Vol 10 (1) ◽

pp. 13-26

Author(s):

Candra Irawan ◽

Adi Bastian ◽

Febrozi Rohadi

Keyword(s):

Data Collection ◽

Financial Institutions ◽

Research Method ◽

Economic Condition ◽

Field Research ◽

Comprehensive Analysis ◽

Islamic Banks ◽

Legal Research ◽

Trading System ◽

Library Research

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution.

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Pendidikan Karakter Profetik dalam Sirah Nabawiyah (Telaah Kitab al-Râhiq al-Makhtûm Karya Shafiy al-Rahmân al-Mubârakfuri)

Jurnal Penelitian Pendidikan Islam ◽

10.36667/jppi.v6i2.293 ◽

2018 ◽

Vol 6 (2) ◽

pp. 147 ◽

Cited By ~ 1

Author(s):

Ahmad Syahid ◽

H. Husni

Keyword(s):

Content Analysis ◽

Data Collection ◽

Character Education ◽

Research Method ◽

Analysis Data ◽

Educational Goals ◽

Research Approach ◽

Analysis Method ◽

Library Research ◽

History Of

This study aims to analyze the character values in Sirah Nabawiyah Ar-Rahiq Al-Makhtum by Syafiyyurrahman al-Mubarakfuri, so that it is revealed how the character education of the Prophet Muhammad. and analyze its relevance to current educational goals. The research method used is library research, the type of research approach is deductive and the analysis method is content analysis. Data collection techniques used were library techniques. This research succeeded in proving that prophetic values based on the history of the Prophet Muhammad have a strong relevance to the concept of contemporary character education. Prophetic values loaded with character education in this era, especially related to religiosity, honesty, tolerance, discipline, hard work, creative, independent, democracy, curiosity, national spirit, love of the motherland, respect for achievement, friendship, love for peace , likes to read, care about the environment, care about social, and responsibility.

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Preferensi Masyarakat Dalam Memilih Bank di Situ Udik, Cibungbulang, Bogor

El-Mujtama: Jurnal Pengabdian Masyarakat ◽

10.47467/elmujtama.v1i1.264 ◽

2021 ◽

Vol 1 (1) ◽

pp. 44-56

Author(s):

Rinaldi Septiana ◽

Rio Kartika Supriyatna

Keyword(s):

Data Collection ◽

Significant Influence ◽

Quantitative Data ◽

Primary Data ◽

Direct Influence ◽

Significant Positive Effect ◽

Collection Method ◽

The People ◽

Regression Test ◽

Positive Effect

The purpose of this study is to determine and analyze the magnitude of the effect of expectations and benefits on motivation partially and simultaneously. Analyze the effect of expectations and benefits on decisions. Analyzing the effect of expectations and benefits on decisions through intervening variables.This research is quantitative. Data collection method is to use primary data through a questionnaire to the people of Situ Udik Village with a sample size of 96 respondents. The analysis used is path analysis. The results of the study in regression 1 showed that partialy and simultaneously the expectation variable had a real positive effect on people's motivation. The model regression test shows that the expectation variable has no effect on motivation. Simultaneously shows the expectation and profit variables have a significant positive effect on motivation. The influence of expectations on decisions proves that there is no direct influence on decisions. Analysis of the effect of profits on decisions proves that there is a significant influence on decisions. In the analysis of the influence of expectations on decisions through motivation shows there is a significant effect, on the profit variable, there is an influence on decisions through motivation as a connecting variable.

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ANALISIS KEBIJAKAN AKUNTANSI PERSEDIAAN PITA CUKAI PADA KPPBC TIPE MADYA CUKAI KEDIRI

INFO ARTHA ◽

10.31092/jia.v5i1.1143 ◽

2021 ◽

Vol 5 (1) ◽

pp. 25-44

Author(s):

Deni Herdiyana

Keyword(s):

Data Collection ◽

Research Method ◽

Business Processes ◽

Accounting Standards ◽

Field Studies ◽

Research Data ◽

Qualitative Approach ◽

Data Collection Methods ◽

Government Accounting ◽

Collection Methods

This research was conducted to analyze the accounting policy for excise tape inventory which is implemented in the KPPBC Type Madya Cukai Kediri. The research method used is through a qualitative approach. To support this research, data collection methods were carried out which included literature studies and field studies related to the supply of excise stamps for the 2019. The results of the study can be concluded that KPPBC TMC Kediri has recognized and recorded excise inventory accounting by applying accrual basis and as a whole is in accordance with the regulations of government accounting standards, but there is an acknowledgment of inventory excise stamps in KPPBC TMC Kediri which is not yet in accordance with PMK Number 224/PMK.05/2016. Furthermore, KPPBC TMC Kediri has implemented the SAKTI application to support its accounting business processes. Penelitian ini dilakukan untuk menganalisa kebijakan akuntansi persediaan pita cukai yang diimplementasikan di KPPBC Tipe Madya Cukai Kediri. Metode penelitian yang digunakan adalah melalui pendekatan kualitatif. Untuk mendukung penelitian tersebut, dilakukan metode pengumpulan data yang mencakup studi kepustakaan dan studi lapangan terkait persediaan pita cukai TA 2019. Hasil penelitian dapat disimpulkan bahwa KPPBC TMC Kediri telah melakukan pengakuan dan pencatatan akuntansi persediaan cukai dengan penerapan basis akrual dan secara keseluruhan telah sesuai dengan peraturan standar akuntansi pemerintahan, namun terdapat salah satu pengakuan persediaan pita cukai di KPPBC TMC Kediri yang belum sesuai dengan PMK Nomor 224/PMK.05/2016. Selanjutnya, KPPBC TMC Kediri telah mengimplementasikan aplikasi SAKTI untuk menunjang proses bisnis akuntansinya.

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The Analisis SOAR dalam Menentukan Strategi Pelayanan Pasca Diklat Penguatan Kepala Sekolah di BPSDM Provinsi DKI Jakarta

Cendekia Niaga ◽

10.52391/jcn.v5i1.563 ◽

2021 ◽

Vol 5 (1) ◽

pp. 69-83

Author(s):

Agus Kurniati ◽

Sopan Adrianto

Keyword(s):

Data Collection ◽

Quantitative Data ◽

Research Method ◽

School Principal ◽

Education Quality ◽

Strategy Analysis ◽

Training Strategy ◽

Consultation Room ◽

Expected Result ◽

Training Services

In organizing School Principal Strengthening Training, BPSDM Province DKI Jakarta is required to produce graduates capable of compiling RPS document in order to improve education quality. The problem faced was the large number of graduates who have difficulties during the preparation of RPS document and they need guidance to arrange RPS document, so that the resulting RPS document can be implemented properly in order to improve education quality. One of the strategic step taken is through post training services. This study is aimed to analyze the post training strategy of Strengthening School Principal Training using SOAR strategy analysis. The research method used is descriptive quantitative. Data collection was carried out through interview, observation and questionnaire. The data obtained were processed and tabulated as a basis for conducting SOAR analysis. The analysis used SOAR analysis by calculating the IFE-EFE matrix. Based on the result of the SOAR analysis, BPSDM Province DKI Jakarta is in the quadrant III/OA strategy quadrant, which is to take advantage of existing opportunities to achieve the expected result through a strategy for making forum/media in order to optimize and maintain the competence of Training graduates, namely the School Principal Managerial Consultation Room.

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PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN PELANGGAN PT. SAMUDRA BINTANG ANGKASA TOUR AND TRAVEL BANJARMASIN

Jurnal Ilmiah Ekonomi Bisnis ◽

10.35972/jieb.v5i1.265 ◽

2019 ◽

Vol 5 (1) ◽

Author(s):

Dini Puspita

Keyword(s):

Quality Of Service ◽

Data Collection ◽

Customer Satisfaction ◽

Service Quality ◽

Significant Influence ◽

Research Method ◽

Influential Factor ◽

Sampling Techniques ◽

Cross Sectional

Abstract: The purpose of this study is to know and analyze the influence of service quality on customer satisfaction at PT Samudra Bintang Angkasa Tour and Travel. The research method used is the analytical survey research method. The approach chosen in this study is the Cross Sectional approach. The population in this study are customers who use the services of PT Samudra Bintang Angkasa Tour and Travel, from August to November 2018. The sample in this study used accidental sampling techniques totaling 60 customers who used the services of PT Samudra Bintang Angkasa Tour and Travel in December 2018. Data collection techniques used questionnaires, documentation, and observation. The results of the study can be concluded that there is a simultaneous significant influence between service quality consisting of Tangible , Reliability , Responsiveness, Assurance and Empathy on Customer satisfaction PT. Samudra Bintang Angkasa Tour and Travel Banjarmasin. There is a partial significant influence between the quality of service consisting of Tangible, Reliability, Responsiveness , and Empathy on Customer satisfaction PT. Samudra Bintang Angkasa Tour and Travel Banjarmasin. Reliability Factoris the most influential factor (predominantly on Customer satisfaction at PT. Samudra Bintang Angkasa Tour and Travel Banjarmasin. Keywords: Service Quality, Satisfaction, Customers Abstrak: Tujuan dari penelitian ini adalah mengetahui dan menganalisis pengaruh kualitas layanan terhadap kepuasan pelanggan pada PT Samudra Bintang Angkasa Tour and Travel. Metode penelitian yang digunakan adalah metode penelitian survey analitik. Pendekatan yang dipilih dalam penelitian ini adalah pendekatan Cross Sectional. Populasi dalam penelitian ini adalah pelanggan yang menggunakan jasa PT Samudra Bintang Angkasa Tour and Travel, dari bulan Agustus sampai dengan November 2018. Sampel dalam penelitian ini menggunakan teknik accidental sampling berjumlah 60 orang pelanggan yang menggunakan jasa PT Samudra Bintang Angkasa Tour and Travel pada bulan Desember tahun 2018. Teknik pengumpulan data menggunakan kuesioner, dokumentasi, dan observasi. Hasil penelitian dapat disimpulkan bahwa ada pengaruh signifikan secara simultan antara kualitas layanan yang terdiri atas Tangible, Reliability, Responsiveness, Assurance dan Empathy terhadap kepuasan Pelanggan PT. Samudra Bintang Angkasa Tour and Travel Banjarmasin. Ada pengaruh signifikan secara parsial antara kualitas layanan yang terdiri atas Tangible, Reliability, Responsiveness, dan Empathy terhadap kepuasan Pelanggan PT. Samudra Bintang Angkasa Tour and Travel Banjarmasin. Faktor Reliability merupakan faktor yang paling berpengaruh (secara dominan terhadap kepuasan Pelanggan PT. Samudra Bintang Angkasa Tour and Travel Banjarmasin. Kata kunci : Kualitas Pelayanan, Kepuasan, Pelanggan

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