Pengaruh Kepercayaan Nasabah Terhadap Kemudahan Akses  Transaksi Laku Pandai Di Toko Hayu Kabupaten Kediri

Siti Nur Julianti

doi:10.35896/jib.v7i1.1462

Siti Nur Julianti Universitas Islam Tribakti Lirboyo Kediri

DOI: https://doi.org/10.35896/jib.v7i1.1462

Keywords: Customer Trust, Ease of Access, Laku Pandai, BSI Smart Agent.

Abstract

This study aims to determine the effect of customer trust on ease of access to
Laku Pandai transactions at Toko Hayu in Kediri Regency. The Laku Pandai program is a
branchless financial service aimed at increasing financial inclusion through the role of
bank agents. Customer trust is considered a factor that can influence the ease of conducting
transactions through this service. This study used a quantitative approach with an
associative approach. The sample consisted of 50 respondents who were customers using
the Laku Pandai service at Toko Hayu in Kediri Regency. Data were collected through
questionnaires and analyzed using simple linear regression with IBM SPSS. The results
showed that customer trust did not significantly influence ease of access to Laku Pandai
transactions. This is evidenced by a significance value of 0.900, greater than 0.05, and a
calculated t-value of -0.126. The coefficient of determination (R²) of 0.000 indicates that
customer trust cannot explain variations in ease of access to transactions. Therefore, the
research hypothesis was rejected.