Pub Date : 2024-01-24DOI: 10.20885/ajim.vol5.iss2.art6
Dini Rahmayanti, Mail Hilian Batin, Suryati Suryati, D. Ariyani, Khusnul Ifada
Purpose – This study analyzes the relationship between Islamic banking financing and macroeconomic variables as well as its response to key economic variables.Methodology – The research design uses quantitative analysis with Islamic banking panel data for the period 2019-2022 with monthly data, and the study used the Vector Error Correction Model (VECM).Findings – Non Performing Financing (NPF) and Inflation negatively impact Islamic banking financing. Meanwhile, Third Party Funds (Dana Pihak Ketiga, DPK), Net Operating Margin (NOM), Return on Assets (ROA), Equivalent Rate of Musyarakah (ERPMUSY), and BI rates have a positive direction of significance for Islamic banking financing. In the Granger causality test, the interaction between the variables was unidirectional. While Islamic banking financing responds to shocks, many financings respond negatively to the shocks that occur.Implications – Islamic Financing responds significantly in a negative direction as a result of the shocks that occur in each variable and based on long-term estimates. Therefore, Islamic banking needs to supervise and resolve the internal influence of each bank, as well as the macro influence that can be felt in the long term on Islamic banking financing.Originality – This research integrates Islamic banking finance in Indonesia and examines how internal and macro variables can influence the financing disbursed to Islamic banking in Indonesia. This study also examines shocks between variables and tests the Granger causality between variables. Islamic banking needs to pay attention to many factors to minimize bad financing or lack of interest in applying for financing.
目的--本研究分析了伊斯兰银行融资与宏观经济变量之间的关系，以及伊斯兰银行融资对主要经济变量的响应。方法--研究设计采用定量分析方法，使用2019-2022年伊斯兰银行面板数据（月度数据），研究采用向量误差修正模型（VECM）。研究结果--不良融资（NPF）和通货膨胀对伊斯兰银行融资产生负面影响。与此同时，第三方资金（Dana Pihak Ketiga，DPK）、净营业利润率（NOM）、资产收益率（ROA）、等价穆斯亚拉卡率（ERPMUSY）和商业利率对伊斯兰银行融资具有正向意义。在格兰杰因果检验中，变量之间的交互作用是单向的。虽然伊斯兰银行融资对冲击做出了反应，但许多融资对所发生的冲击做出了负向反应。因此，伊斯兰银行业需要监督和解决每家银行的内部影响，以及从长远来看对伊斯兰银行业融资的宏观影响。本研究还探讨了变量之间的冲击，并检验了变量之间的格兰杰因果关系。伊斯兰银行业需要注意许多因素，以尽量减少不良融资或对申请融资缺乏兴趣的情况。
{"title":"Integration of financing and macroeconomic shock in Islamic banking in Indonesia","authors":"Dini Rahmayanti, Mail Hilian Batin, Suryati Suryati, D. Ariyani, Khusnul Ifada","doi":"10.20885/ajim.vol5.iss2.art6","DOIUrl":"https://doi.org/10.20885/ajim.vol5.iss2.art6","url":null,"abstract":"Purpose – This study analyzes the relationship between Islamic banking financing and macroeconomic variables as well as its response to key economic variables.Methodology – The research design uses quantitative analysis with Islamic banking panel data for the period 2019-2022 with monthly data, and the study used the Vector Error Correction Model (VECM).Findings – Non Performing Financing (NPF) and Inflation negatively impact Islamic banking financing. Meanwhile, Third Party Funds (Dana Pihak Ketiga, DPK), Net Operating Margin (NOM), Return on Assets (ROA), Equivalent Rate of Musyarakah (ERPMUSY), and BI rates have a positive direction of significance for Islamic banking financing. In the Granger causality test, the interaction between the variables was unidirectional. While Islamic banking financing responds to shocks, many financings respond negatively to the shocks that occur.Implications – Islamic Financing responds significantly in a negative direction as a result of the shocks that occur in each variable and based on long-term estimates. Therefore, Islamic banking needs to supervise and resolve the internal influence of each bank, as well as the macro influence that can be felt in the long term on Islamic banking financing.Originality – This research integrates Islamic banking finance in Indonesia and examines how internal and macro variables can influence the financing disbursed to Islamic banking in Indonesia. This study also examines shocks between variables and tests the Granger causality between variables. Islamic banking needs to pay attention to many factors to minimize bad financing or lack of interest in applying for financing.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"31 11","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139602464","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-06-23DOI: 10.20885/ajim.vol5.iss1.art6
Multazam Mansyur Addury, Dian Resky Pangestu
Purpose − This research aims to analyze the effects of interactive marketing and relationship quality on customer satisfaction and loyalty in Islamic banking.Methodology − A quantitative research approach was employed, and data was collected through a survey questionnaire administered to customers of Islamic banks in Parepare. The data analysis method used in this study is Partial Least Squares-Structural Equation Modeling (PLS-SEM).Findings − The study findings indicate that, indirectly, interactive marketing and relationship quality do not have a direct significant influence on customer loyalty in Islamic banks. However, it is observed that interactive marketing and relationship quality can affect customer loyalty through satisfaction. These findings suggest that the process of maintaining and enhancing customer loyalty in Islamic banks requires careful attention to multiple factors and stages.Implications − This research emphasizes the significance of integrating interactive marketing strategies, fostering relationship quality, and prioritizing customer satisfaction in the context of Islamic banks. These factors are essential for maintaining and strengthening customer loyalty, ultimately contributing to the long-term success and competitiveness of Islamic banks in Kota Parepare.Originality − The originality of this research lies in its contextual focus and integration of variables. Firstly, the study specifically examines the impact of interactive marketing and relationship quality on customer satisfaction and loyalty within the context of Islamic banks in Kota Parepare. Secondly, the study integrates multiple variables, including interactive marketing, relationship quality, customer satisfaction, and customer loyalty, providing a comprehensive understanding of the factors that contribute to customer loyalty in the context of Islamic banks.
{"title":"Interactive marketing and relationship quality in Islamic banking: A Parepare case study","authors":"Multazam Mansyur Addury, Dian Resky Pangestu","doi":"10.20885/ajim.vol5.iss1.art6","DOIUrl":"https://doi.org/10.20885/ajim.vol5.iss1.art6","url":null,"abstract":"Purpose − This research aims to analyze the effects of interactive marketing and relationship quality on customer satisfaction and loyalty in Islamic banking.Methodology − A quantitative research approach was employed, and data was collected through a survey questionnaire administered to customers of Islamic banks in Parepare. The data analysis method used in this study is Partial Least Squares-Structural Equation Modeling (PLS-SEM).Findings − The study findings indicate that, indirectly, interactive marketing and relationship quality do not have a direct significant influence on customer loyalty in Islamic banks. However, it is observed that interactive marketing and relationship quality can affect customer loyalty through satisfaction. These findings suggest that the process of maintaining and enhancing customer loyalty in Islamic banks requires careful attention to multiple factors and stages.Implications − This research emphasizes the significance of integrating interactive marketing strategies, fostering relationship quality, and prioritizing customer satisfaction in the context of Islamic banks. These factors are essential for maintaining and strengthening customer loyalty, ultimately contributing to the long-term success and competitiveness of Islamic banks in Kota Parepare.Originality − The originality of this research lies in its contextual focus and integration of variables. Firstly, the study specifically examines the impact of interactive marketing and relationship quality on customer satisfaction and loyalty within the context of Islamic banks in Kota Parepare. Secondly, the study integrates multiple variables, including interactive marketing, relationship quality, customer satisfaction, and customer loyalty, providing a comprehensive understanding of the factors that contribute to customer loyalty in the context of Islamic banks.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"91 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114451741","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-06-23DOI: 10.20885/ajim.vol5.iss1.art5
I. Mutmainah, Annisa Apriliantika
Purpose – The present study examines the impact of Islamic corporate governance and social responsibility on financial performance.Methodology – The study was designed with a quantitative approach. Purposive sampling was used in this study. Data were garnered through panel data from annual reports on Islamic banking in Indonesia and Malaysia from 2018 to 2020. The data were analyzed employing the Path Analysis.Findings – Study findings demonstrate that Islamic social responsibility and corporate governance did not significantly impact financial performance. Additionally, disclosing its Islamic ethical identity, Islamic corporate governance had a substantial impact on financial performance. Islamic social responsibility, however, had no impact on financial performance when Islamic ethical identity was disclosed.Implication – The findings offer empirical insights for managing Islamic commercial banks in Indonesia and Malaysia to elevate the application of Islamic corporate governance and social responsibility. This transparently demonstrates the quality of governance and social responsibility of Islamic banking with the disclosure of Islamic ethical identity following the standards applied by Islamic banking affecting stakeholder satisfaction.Originality – This research contributes significantly to the realm of Islamic banking management. It examines the level of stakeholder satisfaction through the enactment of Islamic corporate governance as a form of supervision of management performance, Islamic social responsibility as a form of corporate concern for the surrounding environment and Islamic ethical identity disclosure to promote the image of Islamic banking.
{"title":"The mediating effect of Islamic ethical identity disclosure on financial performance","authors":"I. Mutmainah, Annisa Apriliantika","doi":"10.20885/ajim.vol5.iss1.art5","DOIUrl":"https://doi.org/10.20885/ajim.vol5.iss1.art5","url":null,"abstract":"Purpose – The present study examines the impact of Islamic corporate governance and social responsibility on financial performance.Methodology – The study was designed with a quantitative approach. Purposive sampling was used in this study. Data were garnered through panel data from annual reports on Islamic banking in Indonesia and Malaysia from 2018 to 2020. The data were analyzed employing the Path Analysis.Findings – Study findings demonstrate that Islamic social responsibility and corporate governance did not significantly impact financial performance. Additionally, disclosing its Islamic ethical identity, Islamic corporate governance had a substantial impact on financial performance. Islamic social responsibility, however, had no impact on financial performance when Islamic ethical identity was disclosed.Implication – The findings offer empirical insights for managing Islamic commercial banks in Indonesia and Malaysia to elevate the application of Islamic corporate governance and social responsibility. This transparently demonstrates the quality of governance and social responsibility of Islamic banking with the disclosure of Islamic ethical identity following the standards applied by Islamic banking affecting stakeholder satisfaction.Originality – This research contributes significantly to the realm of Islamic banking management. It examines the level of stakeholder satisfaction through the enactment of Islamic corporate governance as a form of supervision of management performance, Islamic social responsibility as a form of corporate concern for the surrounding environment and Islamic ethical identity disclosure to promote the image of Islamic banking.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124861218","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-06-16DOI: 10.20885/ajim.vol5.iss1.art2
Muhammad Alfarizi, Rafialdo Arifian
Purpose − Analyze the psychology of patients related to halal healthcare tools that impact their loyalty intentions to Sharia hospitals in Indonesia for health visits and the implications of word of mouth on the community.Methodology − The research employed quantitative techniques by utilizing cross-sectional survey information gathered from Sharia hospital patients in Indonesia, selected through convenience sampling methods. The study analyzed a total of 229 patient responses through the application of structural equation modeling.Findings − Sharia facilities, doctor-nurse services, medical expertise and administrative conduct as indicators of halal health services affect patient satisfaction in sharia hospitals. However, there is resistance to the influence of the medical facility atmosphere on satisfaction caused by the concentration of patients in medical services and solving health problems. Patient satisfaction affects loyalty which in turn gives a positive word of mouth effect.Implications − Islamic hospitals should prioritize patient assessment and satisfaction by reviewing their physical facilities, cleanliness, comfort, and spiritual needs. Medical personnel should enhance communication and sharia-compliant practices. Digitalization and improved service standards are essential, requiring adaptability and technology integration. Regular evaluations and external monitoring are vital. The government should collaborate with relevant ministries and organizations to intensively monitor and improve the quality of sharia hospitals. Originality − This study develops new knowledge on indicators of special services for sharia hospitals according to halal standards by integrating the outputs of satisfaction, loyalty and Word of Mouth (WoM) outputs which have been separated so far but have a chronological sequence in line with existing marketing theory.
{"title":"Patient satisfaction with Indonesian sharia hospital services: Halal healthcare tool and implications for loyalty-WoM","authors":"Muhammad Alfarizi, Rafialdo Arifian","doi":"10.20885/ajim.vol5.iss1.art2","DOIUrl":"https://doi.org/10.20885/ajim.vol5.iss1.art2","url":null,"abstract":"Purpose − Analyze the psychology of patients related to halal healthcare tools that impact their loyalty intentions to Sharia hospitals in Indonesia for health visits and the implications of word of mouth on the community.Methodology − The research employed quantitative techniques by utilizing cross-sectional survey information gathered from Sharia hospital patients in Indonesia, selected through convenience sampling methods. The study analyzed a total of 229 patient responses through the application of structural equation modeling.Findings − Sharia facilities, doctor-nurse services, medical expertise and administrative conduct as indicators of halal health services affect patient satisfaction in sharia hospitals. However, there is resistance to the influence of the medical facility atmosphere on satisfaction caused by the concentration of patients in medical services and solving health problems. Patient satisfaction affects loyalty which in turn gives a positive word of mouth effect.Implications − Islamic hospitals should prioritize patient assessment and satisfaction by reviewing their physical facilities, cleanliness, comfort, and spiritual needs. Medical personnel should enhance communication and sharia-compliant practices. Digitalization and improved service standards are essential, requiring adaptability and technology integration. Regular evaluations and external monitoring are vital. The government should collaborate with relevant ministries and organizations to intensively monitor and improve the quality of sharia hospitals. Originality − This study develops new knowledge on indicators of special services for sharia hospitals according to halal standards by integrating the outputs of satisfaction, loyalty and Word of Mouth (WoM) outputs which have been separated so far but have a chronological sequence in line with existing marketing theory.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126829153","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-06-16DOI: 10.20885/ajim.vol5.iss1.art4
A. Siswantoro, Mahmud, Article Info
Purpose − This study aims to determine the impact of the development of Islamic finance on renewable energy production in Islamic countries. Two variables representing Islamic finance (Islamic financing and Sukuk) and five control variables (economic growth, foreign investment, CO2 emissions, trade openness, and consumer price index) are also studied.Methodology − Ninety-panel data from 10 Islamic countries over a period of 9 years (2013-2021) were analyzed using panel data analysis with the fixed effect model approach.Findings − The results show that Islamic countries with good development of Islamic banking and Sukuk tend to experience an increase in renewable energy production. Other empirical findings show that economic growth, CO2 emissions, and consumer price index are the next variables that affect renewable energy in Islamic countries.Implications − The results of this study have implications for the policies of Muslim countries to further encourage Islamic finance to be channeled into the renewable energy sector. The government should establish a clear regulatory framework for green Islamic investment and financing and if necessary, they are needed to provide incentives to the green investment sector.Originality − Previous studies that directly examine the effect of Islamic financial development on renewable energy are still limited. Most of the previous studies have examined the impact of Islamic financial development on environmental issues such as sustainable development, climate change, or environmental quality
{"title":"The impact of Islamic financial development on renewable energy production in Islamic countries","authors":"A. Siswantoro, Mahmud, Article Info","doi":"10.20885/ajim.vol5.iss1.art4","DOIUrl":"https://doi.org/10.20885/ajim.vol5.iss1.art4","url":null,"abstract":"Purpose − This study aims to determine the impact of the development of Islamic finance on renewable energy production in Islamic countries. Two variables representing Islamic finance (Islamic financing and Sukuk) and five control variables (economic growth, foreign investment, CO2 emissions, trade openness, and consumer price index) are also studied.Methodology − Ninety-panel data from 10 Islamic countries over a period of 9 years (2013-2021) were analyzed using panel data analysis with the fixed effect model approach.Findings − The results show that Islamic countries with good development of Islamic banking and Sukuk tend to experience an increase in renewable energy production. Other empirical findings show that economic growth, CO2 emissions, and consumer price index are the next variables that affect renewable energy in Islamic countries.Implications − The results of this study have implications for the policies of Muslim countries to further encourage Islamic finance to be channeled into the renewable energy sector. The government should establish a clear regulatory framework for green Islamic investment and financing and if necessary, they are needed to provide incentives to the green investment sector.Originality − Previous studies that directly examine the effect of Islamic financial development on renewable energy are still limited. Most of the previous studies have examined the impact of Islamic financial development on environmental issues such as sustainable development, climate change, or environmental quality","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127016588","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-06-16DOI: 10.20885/ajim.vol5.iss1.art3
Azidni Rofiqo, Ainul Zamarkasi, Abdurrizqi Bin Abd Razak
Purpose − the purpose of this study is the determinants of factors influencing to the intention in Islamic Peer to Peer (P2P) financing platform. Methodology − Quantitateve approach with distributing questionnare accross Islamic P2P financing platforms consisting of ethis.co.id, ammana.id, alamisharia.id, danasyariah.id and qazwa.id employed. 121 usable sample is analsyed with using PLS-SEM and Smart PLS 3.2 opreated as analysis tools.Findings − The results show that normative influence affects positively and significantly the subjective norm. In terms of attitude control, only perceived uselfulness has insiginificant influence on attitude. Moreover, self-efficacy and facilitating condition has a positive and significant impact on perceived behaviour control. Attitude and perceived berhaviour control affect intention to participate. However, subjective norm has insignificant impact on intention to participate in P2P financing platform.Implications − The study suggests that islamic P2P should focus on relative advantage and perceived ease of use, perceived behavioral control in order to maintain their customers.Originality − Decomposed Theory of Planned Behavior model (DTPB) used in the study as the first study in Islamic P2P lending in Indonesia
{"title":"The important role of the DTPB in the development of Islamic P2P lending in Indonesia","authors":"Azidni Rofiqo, Ainul Zamarkasi, Abdurrizqi Bin Abd Razak","doi":"10.20885/ajim.vol5.iss1.art3","DOIUrl":"https://doi.org/10.20885/ajim.vol5.iss1.art3","url":null,"abstract":"Purpose − the purpose of this study is the determinants of factors influencing to the intention in Islamic Peer to Peer (P2P) financing platform. Methodology − Quantitateve approach with distributing questionnare accross Islamic P2P financing platforms consisting of ethis.co.id, ammana.id, alamisharia.id, danasyariah.id and qazwa.id employed. 121 usable sample is analsyed with using PLS-SEM and Smart PLS 3.2 opreated as analysis tools.Findings − The results show that normative influence affects positively and significantly the subjective norm. In terms of attitude control, only perceived uselfulness has insiginificant influence on attitude. Moreover, self-efficacy and facilitating condition has a positive and significant impact on perceived behaviour control. Attitude and perceived berhaviour control affect intention to participate. However, subjective norm has insignificant impact on intention to participate in P2P financing platform.Implications − The study suggests that islamic P2P should focus on relative advantage and perceived ease of use, perceived behavioral control in order to maintain their customers.Originality − Decomposed Theory of Planned Behavior model (DTPB) used in the study as the first study in Islamic P2P lending in Indonesia","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122909014","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Purpose − This research aims to identify influencing factors on BSI mobile banking adoption intention by integrating the UTAUT and DeLone & McLean models and the role of religiosity variables.Methodology − This research used primary data from 150 Bank Syariah Indonesia customers who used mobile banking. The analysis method applied SEM PLS to assess the relation among exogenous and endogenous variables using SmartPLS software.Findings − The findings show that from the factors identified, Service Quality, Information Quality, Performance Expectancy, Effort Expectancy, Social Influence, and Religiosity are critical variables in BSI mobile banking adoption intention. Because these six factors significantly impact the intention of BSI Mobile Banking adoption.Implications − Our work helps stakeholders strategize and policy to offer more innovative and flexible production technologies. So, the bank must pay more attention to things that support the increasing performance of mobile banking to increase customer intentions in adopting BSI mobile banking.Originality − This research provides a theoretical contribution in integrating the UTAUT and DeLone & McLean models, including the role of religiosity variables in assessing the adoption intention factors of BSI mobile banking in Indonesian society.
{"title":"Determinants of BSI mobile banking adoption intentions: DeLone & McLean and UTAUT Model integration with religiosity","authors":"Erlinda Sholihah, Ika Septiana, Windi Antari, Rizqi Fajar Rochimawati, Article Info","doi":"10.20885/ajim.vol5.iss1.art1","DOIUrl":"https://doi.org/10.20885/ajim.vol5.iss1.art1","url":null,"abstract":"Purpose − This research aims to identify influencing factors on BSI mobile banking adoption intention by integrating the UTAUT and DeLone & McLean models and the role of religiosity variables.Methodology − This research used primary data from 150 Bank Syariah Indonesia customers who used mobile banking. The analysis method applied SEM PLS to assess the relation among exogenous and endogenous variables using SmartPLS software.Findings − The findings show that from the factors identified, Service Quality, Information Quality, Performance Expectancy, Effort Expectancy, Social Influence, and Religiosity are critical variables in BSI mobile banking adoption intention. Because these six factors significantly impact the intention of BSI Mobile Banking adoption.Implications − Our work helps stakeholders strategize and policy to offer more innovative and flexible production technologies. So, the bank must pay more attention to things that support the increasing performance of mobile banking to increase customer intentions in adopting BSI mobile banking.Originality − This research provides a theoretical contribution in integrating the UTAUT and DeLone & McLean models, including the role of religiosity variables in assessing the adoption intention factors of BSI mobile banking in Indonesian society.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"51 8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132271116","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-02-22DOI: 10.20885/ajim.vol4.iss2.art6
Widjiarti Nur Riswandi, H. Sudarsono, Asri Noer Rahmi, Ali Hamza
Purpose – This study aims to examine the role of religiosity and knowledge in influencing subjective attitudes and norms. Then the influence of religion, knowledge, brand image, and product quality on the intention to buy Halal cosmetics products in the cosmetics industry in Indonesia.Methodology – This study used a purposive sampling method to collect data. As many as 522 young Muslim consumers in 32 provinces in Indonesia have previously used halal cosmetic products.Findings – The study results show that religiosity and Halal product knowledge significantly influence attitudes, subjective norms, and intentions to buy halal cosmetic products. Interestingly, the findings reveal that product knowledge has a higher impact on religiosity on attitudes, subjective norms, and intentions to buy in terms of cosmetics. Meanwhile, attitudes, brand image, and product quality affect intention, but subjective norms do not affect the intention of the young Muslim generation to buy cosmetic products.Implications – Halal cosmetic companies need to increase promotion to the younger generation of Muslims to introduce halal cosmetic products. This promotion will increase the knowledge of the young Muslim generation about halal cosmetics to increase the intention of the young Muslim generation to buy halal cosmetic products.Originality – Research develops the influence of knowledge and religiosity on attitudes and intention, and subjective norms to buy halal cosmetic products. The object of this research is the young Muslim generation, aged between 15 and 30 years, with mostly high school and university education.
{"title":"The intention of the young Muslim generation to purchase halal cosmetics: Do religiosity and halal knowledge matter?","authors":"Widjiarti Nur Riswandi, H. Sudarsono, Asri Noer Rahmi, Ali Hamza","doi":"10.20885/ajim.vol4.iss2.art6","DOIUrl":"https://doi.org/10.20885/ajim.vol4.iss2.art6","url":null,"abstract":"Purpose – This study aims to examine the role of religiosity and knowledge in influencing subjective attitudes and norms. Then the influence of religion, knowledge, brand image, and product quality on the intention to buy Halal cosmetics products in the cosmetics industry in Indonesia.Methodology – This study used a purposive sampling method to collect data. As many as 522 young Muslim consumers in 32 provinces in Indonesia have previously used halal cosmetic products.Findings – The study results show that religiosity and Halal product knowledge significantly influence attitudes, subjective norms, and intentions to buy halal cosmetic products. Interestingly, the findings reveal that product knowledge has a higher impact on religiosity on attitudes, subjective norms, and intentions to buy in terms of cosmetics. Meanwhile, attitudes, brand image, and product quality affect intention, but subjective norms do not affect the intention of the young Muslim generation to buy cosmetic products.Implications – Halal cosmetic companies need to increase promotion to the younger generation of Muslims to introduce halal cosmetic products. This promotion will increase the knowledge of the young Muslim generation about halal cosmetics to increase the intention of the young Muslim generation to buy halal cosmetic products.Originality – Research develops the influence of knowledge and religiosity on attitudes and intention, and subjective norms to buy halal cosmetic products. The object of this research is the young Muslim generation, aged between 15 and 30 years, with mostly high school and university education.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"122 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124516125","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-01-10DOI: 10.20885/ajim.vol4.iss2.art5
Ahmad Munawar, Sulaeman
Purpose – This research aims to investigate the main factors of Islamic banks’ profitability before and after the pandemic COVID-19 in Indonesia. Methodology – The sample of this study is ten Islamic commercial banks that have complete data and are registered with Bank Indonesia. The data was analyzed by using a data panel regression estimation model based on the best estimation model which is the random effect model or REM. Findings – Based on the result of the REM model, the study finds that both Islamic banks' internal variables such as NPF and OEF except CAR and FDR, and Islamic bank’s external variables such as the Covid-19 crisis variables are significant in determining Islamic banking profitability In Indonesia. Implications – The present research has implications for Islamic bank management and policy-makers as well as researchers.Originality – This study will become one of the pioneers to examine empirically determining the main factors of Islamic banks' profitability before and post-Covid-19 in Indonesia. The findings will contribute to minimizing the negative impact of economic crises like the Covid-19 outbreak in Indonesia.
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Pub Date : 2023-01-10DOI: 10.20885/ajim.vol4.iss2.art4
Sylvania Dwi Yulianti, S. Salsabilla
Purpose – The goal of this study is to determine the factors influencing students' intention to invest in sharia stocks using the Theory of Planned Behavior (TPB). Methodology – Quantitative approaches are used in this study. This study employs primary data by sending questionnaires online to 236 respondents who met the requirements of being students currently enrolled in Yogyakarta and possessing investment savings. The data analysis method employed is the Structural Equation Model (SEM), which uses the SmartPLS 3.0 software.Findings – The findings demonstrated a significant positive relationship between the intention to invest in sharia stocks and the factors of financial literacy, investor personality traits, attitudes, financial efficacy, and Islamic religiosity. On the other hand, the intention to invest in Islamic stocks is unaffected by a subjective norm.Implications – These results will be helpful for financial service providers to be able to choose the best marketing approach to attract more customers. In addition, it assists the lecturer to be able to persuade Muslim students to invest in sharia stocks.Originality – Since sharia stocks must adhere to Islamic law, this study investigates the impact of Islamic religiosity on student intentions to invest in sharia stocks.
{"title":"Determinants of investment intention in sharia stocks","authors":"Sylvania Dwi Yulianti, S. Salsabilla","doi":"10.20885/ajim.vol4.iss2.art4","DOIUrl":"https://doi.org/10.20885/ajim.vol4.iss2.art4","url":null,"abstract":"Purpose – The goal of this study is to determine the factors influencing students' intention to invest in sharia stocks using the Theory of Planned Behavior (TPB). Methodology – Quantitative approaches are used in this study. This study employs primary data by sending questionnaires online to 236 respondents who met the requirements of being students currently enrolled in Yogyakarta and possessing investment savings. The data analysis method employed is the Structural Equation Model (SEM), which uses the SmartPLS 3.0 software.Findings – The findings demonstrated a significant positive relationship between the intention to invest in sharia stocks and the factors of financial literacy, investor personality traits, attitudes, financial efficacy, and Islamic religiosity. On the other hand, the intention to invest in Islamic stocks is unaffected by a subjective norm.Implications – These results will be helpful for financial service providers to be able to choose the best marketing approach to attract more customers. In addition, it assists the lecturer to be able to persuade Muslim students to invest in sharia stocks.Originality – Since sharia stocks must adhere to Islamic law, this study investigates the impact of Islamic religiosity on student intentions to invest in sharia stocks.","PeriodicalId":121093,"journal":{"name":"Asian Journal of Islamic Management (AJIM)","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124764591","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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