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"ABSTRAKProduk Gadai Emas BSM merupakan salah satu produk unggulan yangditujukan bagi masyarakat untuk memperoleh dana cepat melalui pembiayaandengan jaminan emas baik perhiasan maupun emas batangan. Tujuan penelitianuntuk mengetahui dan mengukur faktor-faktor yang mempengaruhi intensipenggunaan kembali produk Gadai Emas BSM.Penelitian ini menggunakan jenis penelitian kuantitatif dengan pendekatanSurvey. Populasi penelitian adalah nasabah BSM dan sampel penelitian adalahnasabah pengguna produk gadai emas BSM. Teknik analisis data menggunakanmultivariat.Hasil penelitian menunjukkan bahwa terdapa faktor-faktor (Produk, Biaya,Tempat, Pelayanan, Kemudahan, Promosi, dan Syariah) secara simultanberpengaruh positif dan signifikan terhadap Intensi Penggunaan Kembali ProdukGadai Emas BSM. Sementara itu secara parsial Pelayanan, Syariah, dan Produkberpengaruh positif dan signifikan terhadap intensi penggunaan kembali produkgadai emas BSM sedangkan Biaya, Tempat, Kemudahan, dan Promosi tidakberpengaruh terhadap intensi penggunaan kembali produk gadai emas BSM.

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ABSTRACTGold Pawning Products BSM is one of the superior products aimed at thecommunity to obtain funds quickly through financing with gold assurance bothjewelry and gold bullion. The purpose of this research is to examine and measurethe Affecting Factors Affecting the Intention of Reusing BSM Gold PawningProducts.This research uses quantitative research type with Survey approach. Theresearch population is BSM customer and the research sample is BSM goldmortgage user. Data analysis technique using multivariate.The Result of research: There are factors (Products, Price, Place, Service,Procedure, Promotion, Syariah, and Intensi). The simultaneously have a positiveand significant impact on Intention of Reusing BSM Gold Pawn Products. PartiallyServices, Syariah, and Products have a positive and significant effect on theProducts, Price, Place, Service, Simplicity, Promotion, Syariah, and Intention,while Price, Place, Simplicity, and Promotion do not affect the Intention of ReusingBSM Gold Pawning Products."

"Perkembangan cara pembayaran di Indonesia dalam beberapa tahun terakhir mengalami peningkatan yang luar biasa terutama uang elektronik. Hal ini dibuktikan dengan jumlah transaksi uang elektronik yang semakin meningkat setiap tahunnya terutama yang dimulai pada kuartal III di tahun 2019. Dengan perkembangan tersebut, kompetisi antar perusahaan penyedia pembayaran seluler terutama e-wallet  yang semakin ketat mempengaruhi continuance intention pada aplikasi tersebut. Hal lain yang mendasari penelitian ini juga dikarenakan belum tercapainya target e-wallet X untuk menjadi aplikasi fintek nomor satu di Indonesia Maka dari itu, para perusahaan e-wallet X membutuhkan strategi yang kuat untuk meningkatkan keloyalitasan pelanggan. Dalam pembuatan strategi tersebut, diteliti pengaruh variabel compatibility, simplicity, economic value, perceived privacy risk, switching cost, personal innovativeness, perceived value terhadap continuance intention. Selain itu, digunakan importance-satisfaction analysis untuk mendapatkan strategi beserta prioritas pelaksanaannya. Hasil penelitian ini merupakan strategi untuk perusahaan e-wallet X dalam meningkatkan continuance intention.

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The development of payment methods in Indonesia in the past few years has experienced a tremendous increase especially in electronic money. This is evidenced by the increasing number of electronic money transactions every year, especially those that began in the third quarter of 2017. With these developments, competition between mobile payment provider companies, especially e-wallet, which increasingly affects continuance intention in the application. Another thing that underlies this research is also because the achievement of e-wallet X has not been achieved to become the number one on fintechs application in Indonesia. Therefore, e-wallet X companies need a strong strategy to increase customer loyalty based on continuance intention. In making this strategy, the variables of compatibility, simplicity, economic value, perceived privacy risk, switching costs, personal innovativeness, perceived value on continuance intention were examined. In addition, it is used an importance satisfaction analysis to obtain strategies and their implementation priorities. The results of this study are a strategy for e-wallet X company in increasing continuance intention."

"Early Christian-Muslim Debate on the Unity of God examines the writings of three of the earliest known Christian theologians to write comprehensive theological works in Arabic. Theodore Abu Qurra, Abu Raita and Ammar al-Basri provide valuable insight into early Christian-Muslim debate shortly after the rise of the Islamic empire. Through close examination of their writings on the doctrine of the Trinity, Sara Husseini demonstrates the creativity of these theologians, who make use of language, style and argumentation characteristic of Islamic theological thought (kalam), in order to help articulate their long-established religious truths. Husseini offers close analysis of the authors individually and comparatively, exploring their engagement with Islamic theology and their role in this fascinating period. "