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

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.