Claim Missing Document
Check
Articles

Found 35 Documents
Search

Determinants of Consumer Decisions to Adopt Islamic Banking Services in Indonesia Heri Sudarsono; Akhsyim Afandi; Andika Ridha Ayu Perdana
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 1 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i1.8214

Abstract

This study examines the influence of attitudes, subjective norms, perceived behavior control, and religiosity on consumer intention to adopt Islamic bank services. This study used 550 respondents from 26 provinces in Indonesia. The study develops a structural equation model (SEM) to achieve its purpose. The results show that attitudes, subjective norms, and perceptions of behavioral control affect people's interest in adopting Islamic banking services. Likewise, awareness, uncertainty, suitability, and relative advantage, affect the intention of the consumer to adopt Islamic banks' services. In contrast, religiosity does not affect community interest in adopting Islamic bank services. Further, normative beliefs affect subjective norms and self-efficacy, whereas facility conditions affect perceived behavior control of consumers' intention to adopt Islamic banking services. Attitudes, subjective norms, and perceived behavior control influence consumers' intention to adopt Islamic banking services. Accordingly, Islamic banks need to improve services to the public. Also, Islamic banks need to increase their understanding of religious religiosity to foster interest in adopting Islamic bank services
Does “Halalness” Affect Young Muslims’ Intentions to Use the COVID-19 Vaccine? Heri Sudarsono; Retty Ikawati; Siti Nur Azizah; Agus Kurnia; Ponchanok Nuanmark
Indonesian Journal of Halal Research Vol 5, No 1 (2023): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v5i1.19248

Abstract

Young Muslims comprise a large population in Indonesia. This study analyzes the effect of halal awareness, halal certification, attitudes, subjective norms, perceived behavior controls and vaccine quality on young Muslims’ intentions to use the COVID-19 vaccine. This study involved 699 random respondents from 32 provinces in Indonesia. This research model develops Theory Planned Behavior (TPB) using structural equation modeling (SEM) with partial least squares structural equation modeling (PLS-SEM) data processing tools. The results showed that halal awareness and certificates had a P-value of <0.05 or positively affected Muslims’ attitude towards vaccines. Likewise, halal awareness, attitudes, subjective norms and vaccine quality have a P-value of <0.05 and perceived behavior control has a P-value of <0.10 or positively affects Muslims’ intentions to use vaccines. However, halal certification has a P-value of >0.10 or does not affect their intention to use vaccines. Islamic values remain a consideration for young Muslims in using the COVID-19 vaccine. Therefore, the government needs to include halal aspects in determining policies related to the implementation of vaccinations.
Analisis Faktor-faktor yang Mempengaruhi Pembiayaan Syariah pada Sektor Manufaktur di Indonesia NESIA Heri Sudarsono; Muhammad Hafidz Prasetyo
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol. 7 No. 2 (2021): Juli - Desember 2021
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the factors that influence Islamic bank financing in the manufacturing sector (manufacturing industry). Then the internal factors consist of CAR, DPK, NPF, FDR, ROA, BOPO. While the external factors consist of INFLATION and BI_RATE. This research uses ARDL regression analysis technique. The data used in this study are data per month from 2015-2019. And the data obtained comes from reports from the Financial Services Authority (OJK), the Central Bureau of Statistics (BPS), as well as reports from Bank Indonesia (BI). The object of this research is Islamic Commercial Banks in Indonesia. The method of analysis used in this study is regression with the Autoregressive Distributed Lag (ARDL) model. The ARDL model was chosen because by using the ARDL method, it was able to see the influence of the Y variable. The data processing used Eviews 10. From the data processing, it was found that the variables CAR, FDR, and INF did not significantly influence the manufacturing sector. And the variables of DPK, NPF, ROA, BI_RATE, and BOPO have a significant effect on the manufacturing sector. The main contribution in this study is to identify and examine Islamic bank financing to the manufacturing sector in depth.
Do perceived zakat institutions and government support affect entrepreneurs' intention to pay zakat? Heri Sudarsono; Indri Supriani; Andika Ridha Ayu Perdana
Review of Islamic Social Finance and Entrepreneurship Volume 1 Issue 2, 2022
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol1.iss2.art1

Abstract

Purpose – This study aims to determine the effect of attitudes, subjective norms, institutional zakat systems, and government support in influencing the interest of entrepreneurs in paying zakat. Methodology – There are 140 respondents in this research from 6 big cities in Java, such as Jakarta, Serang, Bandung, Semarang, Yogyakarta, and Surabaya. This research uses the Partial Least-Square-Structural Equation Modeling (PLS-SEM) analysis technique with the Theory of Reasoned Action (TRA) model. Finding – The findings reveal that attitudes, subjective norms, and perceived zakat institutions affect entrepreneurs' interest in paying zakat. Meanwhile, perceived government support does not affect entrepreneurs to pay zakat.Implications – Zakat institutions need to regularly involve Muslim entrepreneur organizations in zakat management programs so that perceptions about zakat institutions and the role of government in improving zakat management can increase the motivation of entrepreneurs to pay zakat.Originality – There has been no previous research including perceived zakat institutions and perceived government support as variables influencing entrepreneurs' intention to pay zakat in Indonesia.
Understanding muzaki adoption of digital zakat payments in Indonesia Emiroh Arsyina Ahimsa; Heri Sudarsono; Muhammad Abdul Ghoni; Muchammad Taufiq Affandi
Review of Islamic Social Finance and Entrepreneurship Volume 2 Issue 2, 2023
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol2.iss2.art7

Abstract

Purpose – This study aims to analyze the influence of performance expectancy, effort expectancy, social influence, zakat literacy, and facility conditions on the intention of muzaki to pay zakat using a digital platform.Methodology – Primary data was collected through an online survey involving 144 Jawa. Muzaki has used various online channels to pay zakat and analyzed it using structural equation modeling as the empirical approach. This study used the extended unified theory of acceptance and use of technology (UTAUT) as the theoretical framework. The data analysis technique used in this study is partial least square (PLS) analysis.Findings – The findings indicate that performance expectancy, effort expectancy, social influence, and zakat literacy have a positive influence on the intention of Muslims to pay zakat through online platforms. Meanwhile, the intention to pay zakat and facility conditions have a positive influence on the use of online platforms to pay zakat.Implications – Zakat institutions need to improve digital facilities to make it easier for muzaki to pay zakatOriginality – The object of this research focuses on Muslim communities on the island of Java who have fulfilled the requirements as muzaki.