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"This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially e-money purchases."

"Tujuan penelitian ini adalah untuk mengetahui pengaruh karakteristik nasabah moderat terhadap preferensi produk bank syariah. Metode yang digunakan adalah Analisis data kuisioner menggunakan model logit dari 125 responden nasabah moderat BMI Cabang Kalimalang-Bekasi. Hasil penelitian ini menunjukkan bahwa karakteristik nasabah moderat (tingkat pendidikan, tingkat penghasilan, lama kepemilikan rekening BMI, dan frekuensi transaksi di BMI) secara bersama-sama mempengaruhi preferensi nasabah moderat memilih produk simpanan di BMI dibandingkan bank konvensional. Tingkat preferensi nasabah moderat terhadap produk simpanan BMI dibandingkan bank konvensional cukup tinggi, Sedangkan karakteristik nasabah (jumlah rekening bank konvensional, tingkat penghasilan, lama kepemilikan rekening BMI, dan frekuensi transaksi di BMI) inempengaruhi preferensi nasabah moderat menggunakan jasa BMI untuk transaksi sehari-hari. Namur preferensi nasabah moderat menggunakan jasa BMI dibandingkan bank konvensional untuk transaksi sehari-hari sangat rendah. Nasabah dengan karakteristik berpendidikan tinggi, berpenghasilan menengah, memiliki rekening BMI kurang dari 1 tahun dan transaksi rata-rata BMI lebih dari tiga kali per bulan merupakan kelompok nasabah yang memiliki preferensi tertinggi terhadap produk simpanan BMI sehingga merupakan segmen nasabah deposan yang potensial.

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The aim of this research is to analyze the effects of moderate customer's characteristic to the preference of Sharia Banking Products: deposit products and daily transaction services than conventional bank The Logit regression was used to analyze the data which gathered from questionnaire of 125 moderate customers in PT. Bank Muamalat Indonesia Tbk, (BMI), Kalimalang Branch. The respondents in this research were the persons who have two saving account, BMI and the conventional one.

The result showed that the moderate customer's characteristics (education level, amount of their conventional accounts, income, time, and frequency) affects their preference of sharia banking products: deposit products and daily transaction services. Moderate customers having higher level of preference to deposit their money in BMI, but having lower level of preference of BMI 's daily transaction services than conventional bank. The moderate customers who have characteristics: high education, middle of income, having BMI account less than one year, and make average transaction in BMI more than three times in one month are the potential deposit customers."

"PT. Bank Negara Indonesia (Persero) Tbk adalah satu-satunya Bank Pemerintah yang telah go public sejak tahun 1996, dimana kegiatan utamanya adalah menghimpun dana masyarakat dan mengalokasikan kembali dana tersebut dalam bentuk pinjaman kepada masyarakat.Kegiatan penghimpunan dana masyarakat tidak berdiri sendiri dan sangat tergantung pada daya beli masyarakat (debitur). Pada tahun 1998 Bank BNI mengalami kerugian yang besar yaitu Rp. 45,7 trilyun dan salah satu penyebabnya adalah akumulasi kerugian dari negative spread yang bersumber dad tingginya biaya penghimpunan dana masyarakat.Masalah utama yang dihadapi Bank BNI adalah negative spread yang sulit dielakan/ditekan karena situasi perekonomian yang belum stabil, sehingga tujuan untuk meningkatkan penghimpunan dana masyarakat tidak dapat diimbangi dengan peningkatan laba usaha, hal ini sangat kontradiktif dan tidak menguntungkan.Penelitian ini dimulai dengan menganalisa kondisi lingkungan internal dan eksternal Bank BN1, dan dalam menganalisa kondisi tersebut digunakan methode SWOT analisis untuk membobot kepentingan setiap faktor dan untuk menentukan posisi bersaing Bank BNI digunakan I - E Matriks.Dari uji SWOT dan a E's Matrix diperoleh posisi bersaing Bank BNI pada sel medium yang artinya Bank BNI berada pada posisi bisnis dengan kekuatan sacking dan berdasarkan posisi tersebut, rekomendasi yang diberikan terhadap strategi yang cocok untuk pengembangan bisnis Bank BNI dengan memperhatikan analisis tersebut diatas adalah strategi pertumbuhan yang selektif untuk giro, deposito dan dana lain, sedangkan untuk tabungan yang cocok adalah strategi harvest yang juga ada kecenderungan ke pertumbuhan selektif."

"Pangsa pasar keuangan syariah berada pada angka 5% pada tahun 2018. Di sisi lain, lembaga keuangan digital (fintech) mengalami pertumbuhan sangat pesat hingga 650% dalam kurun waktu setahun. Fenomena ini menunjukkan bahwa masyarakat saat ini sudah mengadopsi teknologi mutakhir. Berdasarkan asumsi bahwa fintech syariah dapat menjadi alternatif meningkatkan pangsa pasar keuangan Islam, penelitian ini bertujuan untuk mengukur pengaruh persepsi manfaat yang dirasakan, risiko yang dialami, dan maqoshid syariah terhadap intensi untuk berinvestasi melalui fintech syariah dengan mengambil reponden pekerja lembaga keuangan non-digital. Dengan menggunakan analisis structural equation modeling (SEM) terhadap 391 sampel, hasil pengujian data menunjukkan persepsi manfaat berpengaruh positif namun tidak signifikan, persepsi  risiko berpengaruh positif secara signifikan, dan persepsi Maqoshid syariah berpengaruh positif secara signifikan terhadap intensi berinvestasi menggunakan jasa fintech syariah. Penelitian ini memiliki keterbatasan yaitu pada responden pekerja lembaga keuangan non digital, model bisnis fintech peer-to-peer, dan persepsi dari sisi investor (pemodal). Rekomendasi penelitian lebih lanjut yaitu segmen responden dari Generasi Y dan Z dan dari sisi pengguna dana. Untuk implikasi manajerial, perusahaan fintech syariah harus lebih memperhatikan masalah profitabilitas dan kebermanfaatan yang lebih luas.

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The market share of Islamic banking in Indonesia remains approximately at 5 percent in 2018. On the other hand, Fintech peer-to-peer lending amount has rapidly increased up to 650% in a year. This phenomenon indicates people now have started to adopt novel technology. Based on the assumption Islamic Fintech could be an alternative way to boost Islamic finance, this paper aimed in measuring the influence of perceived benefit, perceived risk, and perceived maqoshid sharia toward intention to make investment through Islamic Fintech by non-digital financial institution employees. Using structural equation modeling (SEM) as analytical tools of 391 samples, this research found that perceived benefit has positive but insignificant impact, perceived risk has positive and significant impact, and perceived maqoshid sharia has positive and significant impact toward intention to invest using Islamic fintech. However, this research has limitations. Perception is measured from non digital financial institution employee and investor sight, and Islamic fintech peer-to-peer business model as the object of the study. The findings also suggest further research to measure the perception of Gen Y and Z, and from borrower sight of fintech. Managerial implications for Islamic fintech are to pay more attention on profitability and to deliver broader social contribution."

"This study aims to see which factors influencing ZIS payers intention using bank continually in DKI Jakarta. The theory used in this research are the modification from Consumer Behavior theory (Kotler and Keller, 2009) and Theory of Reasoned Action (TRA) which were development by Ajzen and Fishbein (1980). The population of this is ZIS payers in DKI Jakarta Province, the sample of this research are 190 ZIS payers in DKI Jakarta Province who pay ZIS using bank facility. The research method used in this study is quantitative method approach, and using Structural Equation Modelling (SEM) analyze the data. The results of this study find that personal factor influences attitude to pay ZIS in DKI Jakarta, however psychological factor does not influence attitude to pay ZIS in DKI Jakarta. Therefore, cultural factor and social factor both influence subjective norm of ZIS payers in DKI Jakarta. Additionally, attitude and subjective norm of ZIS payers in DKI Jakarta both influence them to pay ZIS continually using bank facility."

"Covid 19 membawa perubahan pada kebiasaan masyarakat dalam melakukan transaksi tidak terkecuali pada Bank Syariah Indonesia (BSI). Dengan demikian BSI dituntut untuk bisa melakukan adaptasi dengan perkembangan teknologi agar menjadi daya tarik tersendiri oleh nasabah dalam memenuhi kebutuhan dikala pandemi. Salah satu aspek yang perlu disorot dalam melakukan inovasi pada perkembangan teknologi adalah mobile. Model E-Service Quality yang dikembangkan oleh Blut (2016) digunakan pada penelitian kali ini, bertujuan untuk mengetahui pengaruh variabel dari E-SERVQUAL terhadap kepuasan dan loyalitas nasabah, serta komparasi antara E-SERVQUAL BSI dan Bank Negara Indonesia (BNI). Pada sisi lain, analisis skala prioritas juga digunakan untuk mengetahui dimensi apa saja yang perlu diprioritaskan oleh BSI dalam upaya meningkatkan kualitas layanan elektronik. Responden terdiri dari 214 pengguna BSI dan 240 pengguna BNI. Hasil dari penelitian menggunakan metode analisis PLS-SEM pada pengguna BSI dan BNI menunjukkan bahwa dimensi E-SERVQUAL berpengaruh signifikan terhadap kepuasaan dan loyalitas nasabah. Selain hal tersebut, jika dikomparasikan dengan BNI menggunakan uji Mann Whitney Test, diketahui bahwa BSI kalah secara signifikan pada semua dimensi kecuali the importance of sharia feature. Oleh sebab itu, dimensi-dimensi tersebut perlu ditingkatkan lagi agar dapat menciptakan loyalitas konsumen dan bersaing dengan bank lainnya.

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Covid 19 brought changes to people's habits in conducting transactions, including Bank Syariah Indonesia (BSI). Thus, BSI is required to be able to adapt to technological developments so that it becomes a special attraction for customers in meeting needs during the pandemic. One aspect that needs to be highlighted in making innovations in technological developments is mobile. The E-Service Quality model developed by Blut (2016) is used in this study, aiming to determine the effect of the variables from E-SERVQUAL on customer satisfaction and loyalty, as well as the comparison between E-SERVQUAL BSI and Bank Negara Indonesia (BNI). On the other hand, priority scale analysis is also used to find out what dimensions need to be prioritized by BSI in an effort to improve the quality of electronic services. Respondents consisted of 214 BSI users and 240 BNI users. The results of the study using the PLS-SEM analysis method on BSI and BNI users showed that the E-SERVQUAL dimension had a significant effect on customer satisfaction and loyalty. In addition to this, when compared with BNI using the Mann Whitney Test, it is known that BSI loses significantly on all dimensions except the importance of sharia feature. Therefore, these dimensions need to be improved again in order to create consumer loyalty and compete with other banks."

"This paper analyzes the economic condition of the second quarter of 2017 and provides the outlook for 2017 and 2018. It covers the global dynamics and domestic in national level as well as spatial views in Indonesia. From external, global economic expansion continues, entailing a shift in the sources of growth with China and Europe was expected to increase, while US economy grew slower than expected. At home, Indonesia economic growth was stable on the back of gain in investment particularly building investment. On the other hand, household consumption growth slowed, government consumption contracted after spending was delayed, and exports posted slower growth. Spatially, the slowdown occurred in Java, Sulawesi, and Kalimantan. CPI invitation was maintained within the target range despite increasing demand during the lead up to national religious holidays. Balance of payments recorded a surplus while current account deficit remains well maintained and financed by a large surplus in the capital and financial account. The rupiah rate moved steadily, with lower volatility relative to peer countries. The banking industry was well maintained and continued to strengthen financial system stability. The continued easing of monetary policy was responded by declining rates on deposits and loans. Moving forward, Bank Indonesia expects economic growth to accelerate in 2017,and grow higher in 2018 of the back of increased investment and consumption in live with more expensive government spending along with space to ease monetary policy. On the other hand, inflationary pressures will be controlled in line with more expansive government spending along with space to ease monetary policy. On the other hand, inflationary pressures will be controlled in line with the lower inflation target."

"ABSTRAK

Servicescape merupakan salah satu aspek yang berpengaruh terhadap niat konsumen untuk mengunjungi bank. Penelitian ini bertujuan untuk menganalisis pengaruh servicescape terhadap pleasure-feeling konsumen, pengaruh pleasure-feeling terhadap revisit intention, pengaruh servicescape terhadap perceived service quality, pengaruh perceived service quality terhadap revisit intention, dan pengaruh perceived service quality terhadap pleasure-feeling. Data dalam penelitian ini berasal dari data primer melalui penyebaran kuesioner menggunakan sampel sebanyak 171 responden dan kuesioner menggunakan skala Likert 1-7. Hasil penelitian ini menunjukkan servicescape berpengaruh signifikan terhadap pleasure-feeling, pleasure-feeling berpengaruh signifikan terhadap revisit intention. Servicescape berpengaruh signifikan terhadap perceived service quality. Perceived service quality tidak berpengaruh terhadap revisit Intention. Untuk berpengaruh signifikan terhadap revisit intention, servicescape harus dimediasi oleh pleasure-feeling dan perceived service quality. Perceived service quality berpengaruh signifikan terhadap pleasure-feeling. Penelitian di dalam jurnal terdahulu meneliti hubungan di antara variabel tersebut dan hasil penelitian menunjukkan adanya hubungan yang signifikan di antara variabel tersebut. Penelitian sebelumnya menggunakan variabel moderasi, namun hasil penelitian terdahulu memiliki kesamaan dengan hasil penelitian ini.

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ABSTRACT

Servicescape is one aspect which influences of consumer’s intention to visit the bank. The purpose of this study is to analyze the influence of servicescape to consumer’s pleasure-feeling, influence of pleasure-feeling to revisit intention, influence of servicescape to perceived service quality, influence of perceived service quality to revisit intention, and influence of perceived service quality to pleasure-feeling. Data in this study has been generated from primary source through the questionnaire which has been distributed to 171 respondent and the questionnaire has been using Likert Scale 1-7. The results show that servicescape influences pleasure-feeling significantly, pleasure-feeling influences revisit intention significantly. Servicescape influences perceived service quality significantly. Perceived service quality does not influence revisit intention. To be able influences revisit intention significantly, servicescape should be mediated significantly by pleasure-feeling and perceived service quality. Perceived service quality influences pleasure-feeling significantly. Previous journal study has examined the relationship between these variables and expressed significant relationship between them. Previous study have been using moderated variable, but the results of previous study have no differences with the current study.

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"Penelitian ini bertujuan untuk mengetahui pengaruh dari komponen-komponen kualitas jasa mobile banking pada retensi pelanggan mobile banking melalui kualitas hubungan yang terdiri atas kepuasan, kepercayaan, dan komitmen. Sampel yang digunakan pada penelitian ini terdiri atas pelanggan mobile banking dari generasi milenial di Indonesia. Data pada penelitian ini diolah dengan menggunakan Structural Equation Modelling. Hasil dari penelitian ini menunjukan bahwa komponen kegunaan dan kemudahan penggunaan, keamanan dan privasi, serta enjoyment, memiliki pengaruh terhadap kepuasan yang pada akhirnya akan mempengaruhi kepercayaan dan komitmen sehingga dapat meningkatkan retensi pelanggan.

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This study seeks to identify the effects of service quality components of mobile banking towards customer retention, through the mediation of relationship quality which consists of satisfaction, trust, and commitment. The sample of this study consists of mobile banking customers from the millennial generation in Indonesia. The data that was acquired in this study was then processed through Structural Equation Modelling. The result of this study shows how practicality, security and privacy, and enjoyment of mobile banking influences the satisfaction of mobile banking users, which in turn affects the trust and commitment of said users, thereby increasing the level of customer retention."