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All Journal Journal of Accounting Inquiry Journal of Business Management and Islamic Banking
Hasan Albanna
Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga, Yogyakarta
Economics, Econometrics & Finance Education Social Sciences

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Does Borrower Domicile Influence the Credit Default in P2P Lending? Preliminary Analysis from Indonesia Hasan Albanna
Journal of Accounting Inquiry Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jai.2022.1.2.074-083

Abstract

Purpose: Credit risk is one of the most fundamental risks that P2P lending platforms have. The magnitude of information asymmetry, consumer behavior, and the unequal distribution of financial literacy make credit risk in P2P lending more vulnerable in several parts of Indonesia. The purpose of this study was to determine the domicile of the borrower on the credit risk in P2P lending Methodology: We use time series data from January 2018-December 2021 for analysis. Vector Error Correction Model (VECM) is used to analyze the data. Findings: The results show that borrowers domiciled outside Java influence the credit default significantly positively, while borrowers domiciled in Java influence credit default significantly negatively. Moreover, interest rate influences positively significant on P2P lending default, while inflation influences positively on P2P lending default. Novelty: this paper is the first paper to analyze the P2P credit default in Indonesia using time series analysis.  
The Influence of E-Servqual and E-Trust on E-Loyalty : The Role of E-Satisfaction as an Intervening on Islamic Mobile Banking Customer Berliana Haza Fatikah; Hasan Albanna
Journal of Business Management and Islamic Banking Vol. 1 No. 1 (2022)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2022.011-08

Abstract

Research Aims: This study aims to analyze the effect of e-trust and e-service quality on loyalty through e-satisfaction of Islamic mobile banking users. The purpose of this study is to investigate the impact of trust and service quality on consumer loyalty through consumer satisfaction in the context of mobile banking. Design/methodology/approach: The sampling method used in this study was nonprobability sampling with a purposive sampling technique. The data was collected from 151 respondents who met the assessment criteria and were supposed to use mobile banking at least twice. This study used Structural Equation Model (SEM) analysis techniques, which were estimated by SmartPLS 3.0. Research Findings: The results show that e-service quality and e-trust have a positive effect on e-satisfaction; e-trust and e-satisfaction have a positive effect on e-loyalty; e-service quality does not affect e-loyalty; e-satisfaction can mediate the relationship between e-service quality and e-trust to e-loyalty; age and gender cannot moderate the relationship between e-satisfaction and e-loyalty Keywords: e-trust, e-service quality, e-satisfaction, e-loyalty, age, gender, Islamic mobile banking
Co-Authors Berliana Haza Fatikah