Islamic Financial Technology Towards the Advancement of Islamic Banking in Indonesia

Darussalam, Andi; Tutuko, Bambang; Dahlan, Ahmad; Hudaifah, Ahmad; Tajang, Andi Darussalam

doi:10.30997/jn.v4i2.1552

Cited by 4 publications

(3 citation statements)

References 10 publications

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“…Furthermore, mobile banking offers secure and convenient access to banking products and channels (Laukkanen, 2007) and allows customers to monitor their own financial assets. Another study found that mobile banking users feel assured because mobile banking is equipped with two security systems, namely, password protection and immediate account blocking in the event of the theft or loss of a mobile phone (Darussalam et al , 2018).…”

Section: Literature Reviewmentioning

confidence: 99%

An expansion of the technology acceptance model applied to the halal tourism sector

Berakon

Wibowo²,

Nurdany

et al. 2021

JIMA

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Purpose The increasing number of tourists in the Muslim world every year has encouraged digital business developers and the Sharia banking industry to integrate halal product and service apps with the Sharia mobile banking system. The fourth wave of the industrial revolution has changed the consumer paradigm, creating a young generation that uses digital service transaction systems in their daily lives. This paper aims to investigate the factors that determine intention to use halal tourism apps amongst Muslim tourists to provide insights promoting the development of halal tourism in Indonesia. Design/methodology/approach The research was conducted using an online survey approach. The sample comprised 205 Muslim Millennial and Generation Z travellers. The data collected were analysed using partial least square structural equation modelling. There were three analysis stages: evaluation of the measurement model, assessment of the structural model and hypothesis testing. Findings The findings indicated that trust mediated the relationship between perceived ease of use and perceived usefulness on individual intentions and that halal knowledge positively and significantly impacted individual intentions. In contrast, religiosity was not a significant influence on individual intentions. Originality/value The paper expanded the technology acceptance model by incorporating the key constructs of halal knowledge, religiosity and trust into an integrated research framework; this represented a novel step, especially in the context of halal tourism. The finding that trust mediated the relationship between perceived ease of use and perceived usefulness fills a gap in previous research, which has rarely included the trust construct in technology acceptance models.

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Section: Literature Reviewmentioning

confidence: 99%

An expansion of the technology acceptance model applied to the halal tourism sector

Berakon

Wibowo²,

Nurdany

et al. 2021

JIMA

View full text Add to dashboard Cite

show abstract

“…These findings provide important insights into the context of the banking industry, especially in facing the challenges of the pandemic. BPR and BPRS can take advantage of technological changes and digitalization to improve their performance and meet customer needs efficiently (Abbas et al, 2015;Darussalam et al, 2019;Safiullah, 2021).…”

Section: Resultsmentioning

confidence: 99%

Productivity of Rural Banks in Central Java

As-Salafiyah

2023

IEM

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This study aimed to analyze the level of productivity, the factors that influence it, the potential for improvement needed, and a comparison of the productivity of Rural Banks (BPR) and Islamic Rural Banks (BPRS) in Central Java. This research also looks at the productivity of BPR and BPRS during the Covid-19 pandemic. The research period used in this study is from 2016-2021, with a research sample of 9 BPR and 7 BPRS in Central Java. The analytical method used is a non-parametric approach, namely the Malmquist Productivity Index (MPI), with secondary data sources derived from BPR and BPRS financial reports on the Financial Services Authority (OJK) website. The results of the study show that during the COVID-19 pandemic, BPR and BPRS experienced an increase in productivity in general, where BPRS showed better performance with higher technology adoption and higher average Total Factor Productivity Changes (TFPCH) values, while the change in efficiency (EFFCH) tends to decrease; As a result, BPRS occupy a better position in quadrants 1 and 2 in the division of the four types of BPR and BPRS based on the level of technology and efficiency. This research also provides recommendations to BPR and BPRS practitioners, management, and regulators.

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“…Penelitian analisis SWOT mengenai Fintech pada dunia perbankan di Indonesia (Basuki & Husein, 2018;Chrismastianto, 2017;Marginingsih, 2019;Muchlis, 2018). Penelitian Fintech dikaitkan dengan perbankan islam atau syariah (Darussalam, Tutuko, Dahlan, Hudaifah, & Tajang, 2018;Nurul & Ningrat, 2018). (Tripalupi, 2019).…”

Section: Pendahuluanunclassified

Analisis Peer to Peer Lending Di Indonesia

Kartika

2020

akuntabilitas

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Problems arising from the development of fintech include data security and legal certainty of online-based loans so that it impacts on potential risks to consumers and financial stability and integrity. The purpose of this study is to analyze the development of peer to peer lending in Indonesia, which is reviewed based on relevant institutional regulations and literature studies. This research uses a descriptive method with literature review. The results of this study describe the types of fintech that fall into the dominant category in Indonesia are peer to peer lending, peer to peer lending users by productive age with a percentage of 70%. In October 2019 the number of loans increased 200.01%. The government supervises peer to peer lending through three institutions there are Bank Indonesia, the Ministry of Communication and Information and OJK. The three institutions oversee operations from the start up to consumer protection. Peer to peer lending targets MSMEs that are feasible but cannot obtain bank credit facilities. Peer to peer lending can help develop MSMEs in financial terms, especially in the field of financing.

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Islamic Financial Technology Towards the Advancement of Islamic Banking in Indonesia

Cited by 4 publications

References 10 publications

An expansion of the technology acceptance model applied to the halal tourism sector

An expansion of the technology acceptance model applied to the halal tourism sector

Productivity of Rural Banks in Central Java

Analisis Peer to Peer Lending Di Indonesia

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