Adopsi Payment Gateaway Syariah: Peran Pengetahuan Riba Sebagai Moderasi

ABSTRACT Research Aims: This research aims to determine the adoption of Sharia Fintech services in the field of payment gateways using the UTAUT model with modifications to add knowledge of riba as a moderation variable. Design/methodology/approach: This research used an online survey method. The population this research are all users of Sharia payment gateway services. The sampling using the purposive sampling method with a total sample of 116 respondents. The analysis technique used is SEM-PLS using Smart PLS 3.3.3 software. Research Findings: The results of this research presented that Social Influence and Facilitating Condition have an effect in determining interest in using Sharia payment gateway services. Performance expectancy and effort expectancy have no effect on the interest in using Sharia payment gateway services. Meanwhile, in this research only in Effort Expectancy moderated by Knowledge About Riba

Pengaruh alat promosi dalam komunikasi pemasaran terhadap keputusan pembelian: Studi pada PT Prudential Life Assurance Area Bandung

Penelitian ini bertujuan untuk mengetahui pengaruh alat promosi dalam komunikasi pemasaran terhadap keputusan pembelian konsumen dalam membeli produk asuransi dari Prudential di Bandung. Variabel independen yang diteliti yaitu: advertising (X1) dan personal selling (X2) yang merupakan bagian dari variabel bauran promosi (promotion mix) dengan variabel dependen yaitu keputusan pembelian pada konsumen asuransi jiwa Prudential di Bandung. Penelitian ini menggunakan metode deskriptif korelasional yang melibatkan 100 responden konsumen asuransi jiwa Prudential di Bandung. Sedangkan pengambilan sampel menggunakan teknik random sampling yang merupakan tipe pemilihan sampel secara acak yang diperoleh dengan menggunakan pertimbangan tertentu, umumnya disesuaikan dengan tujuan atau masalah penelitian. Uji yang digunakan untuk menguji instrumen penelitian berupa uji validitas dan uji realibilitas. Uji hipotesis menggunakan uji F dan uji t, sedangkan untuk menganalisis data, yang digunakan adalah analisis regresi berganda koefisien determinasi. Adapun perhitungan dalam mengolah data ini dengan dibantu program dengan program SPSS 20.00. Hasil penelitian ini diperoleh koefisien korelasi sebesar 0,786 nilai tersebut berada ada dalam interval koefisien 0,60 – 0,799 yang berarti berhubungan kuat dengan koefisien determinasi secara simultan sebesar 62,6%. Selanjutnya berdasarkan pengujian hipotesis secara parsial (Uji-t) dan simultan (Uji-F), maka didapatkan hasil yaitu secara simultan advertising dan personal selling berpengaruh positif signifikan terhadap keputusan pembelian denga hasil Fhitung 81,055≥ F tabel 2,47, sedangkan advertising secara parsial tidak berpengaruh signifikan terhadap keputusan pembelian dengan hasil thitung1,398 ttabel1, 660

SKEPTISME NASABAH TERHADAP KLAIM SYARIAHDARI PERBANKAN SYARIAH DI INDONESIA

This study aims to examine the factors that affect level of skepticism of Islamic bank customers where researchers try to see the paradigm of thinking and consumer attitude using the perspective of Theory of Reason Action (TRA)from Ajzen and Fishbein (1980). The survey was conducted on 597 Islamic bank customers using a Google form distributed online. All hypotheses proposed in this study are supported. These results show that in the context of Islamic banking in Indonesia, researchers find that the level of skepticism will decrease as customers better understand the information received and evaluate information according to their needs and according to their expectations. Researchers try to contribute both practically and theoretically.First, practically this research provides important information for practitioners that customers still have a skeptical attitude towards sharia claims from Islamic banking. Finally, theoretically this study contributes to the literature by testing the skepticism of Islamic banking customers which is still a research gap in marketing research and consumer behavior in general and the research of sharia banking in particular

Millennials Response on The Existence of The First Sharia Electronic Money in Indonesia

The growth of technology this day makes it a necessity in daily human life such as electronic money. There are so many issuers that have been registered at Bank Indonesia. An issuer even tries to add Sharia features to its electronic money. Although the sharia label has become common in Indonesian society, there is still scepticism about sharia labels on some products. This study aims to determine the switching intention of millennials to use sharia electronic money in Indonesia using the UTAUT2 as a research model. The population in this study is all users of LinkAja electronic money. The sampling technique used purposive sampling; the number of samples was 168 users. Data analysis techniques used are Structural Equation Model and Partial Least Square (SEM-PLS), the data processing applications using Smart-PLS 3.0. The results of this study indicate that the two independent variables, social influence and facilitating conditions, do not affect the intention to switch. However, five other independent variables, performance expectancy, effort expectancy, hedonic motivation, price value, and habit, positively and significantly affect the intention to switch to using Sharia electronic money

The Triangle of Sensory Marketing Model: Does it Stimulate Brand Experience and Loyalty?

The purpose of this study is to examine the framework of brand experience associating with customer loyalty. Sensory marketing effectiveness is recognized in business contexts but only little research has been conducted on sensory marketing. This study contribute to filling this gap by proposing a model that explains how sensory stimulation influences loyalty. Brand experience is expected to mediate this relationship. This study applies exploratory and explanatory approaches to investigate the sensory marketing concept and examine the framework brand experience in association with customer loyalty. Data is collected using online survey. Respondents are individual who had experience in consuming product at restaurant or cafe that has been using the five senses stimulus. Conceptually, this study found interesting relationship between sensory marketing, brand experience, and customer loyalty then called as triangle sensory marketing. The findings offer an additional insight to managers on sensory marketing strategy to stimulate brand experience that can establish customer loyalty.DOI: 10.15408/ess.v8i1.6058

Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM

Purpose: This study aims to test consumer acceptance of mobile banking Islamic banks using the Technology Acceptance Model. The concept of mobile banking is used to examine the role of banking in facilitating mobile consumer financial transactions. Methodology: This study uses a survey with a sample of 179 users of mobile banking applications Islamic banks in Central Java and Yogyakarta. Data analysis used in this study is SEM with AMOS software assistance Findings: All hypotheses are supported. Based on the consumer's perspective, mobile banking is an opportunity for the Islamic finance industry. However, mobile banking will transform very quickly and brought new challenges in the era of industry 4.0. Originality: This study enrich the discussion in the literature by retesting the technology acceptance model (TAM) to explain the usage of mobile banking of Islamic bank

Kartini in the Pandemic: Women's Economic Empowerment Through Synergy of Digital Banking, Fintech, and E-Commerce

The role of the Financial Services Authority (OJK) is getting bigger in Indonesia. Various strategies are implemented to increase financial inclusion and literacy in Indonesia. However, the mindset that is built that women are identical to housewives who do not have financial independence creates a gap in inclusion and financial literacy between men and women. As a result, women cannot contribute to managing finances well and cannot help build a strong family economy because they do not have the knowledge and financial skills as well as men. The KARTINI program is a program that provides facilities for the women's community to have financial independence. The integration between digital banking (smart behavior), financial technology (affiliate marketing), and e-commerce (dropship) can be the right program in optimizing financial inclusion and literacy for women. The implementation of the KARTINI program has a positive impact on the women's community such as women's cooperatives, PKK women, Aisyiyah women, recitation groups, dharma Wanita and other women's groups. In addition, this program can be applied by OJK to all regions in Indonesia to increase financial literacy and inclusion. Through the integration of smart behavior, affiliate marketing, and dropship, the goals of OJK will be achieved more quickly

The Triangle of Sensory Marketing Model: Does it Stimulate Brand Experience and Loyalty?

Tujuan dari penelitian ini adalah untuk menguji kerangka pengalaman merek yang terkait dengan loyalitas pelanggan. Efektivitas Sensory Marketing diakui dalam konteks bisnis namun hanya sedikit penelitian yang dilakukan pada S. Studi ini berkontribusi untuk mengisi celah ini dengan mengajukan model yang menjelaskan bagaimana stimulasi sensorik mempengaruhi loyalitas. Pengalaman merek diharapkan bisa menengahi hubungan ini. Penelitian ini menggunakan pendekatan eksploratori dan penjelasan untuk menyelidiki konsep pemasaran indrawi dan menguji pengalaman merek kerangka kerja yang terkait dengan loyalitas pelanggan. Data dikumpulkan dengan menggunakan survei online. Responden adalah individu yang memiliki pengalaman dalam mengkonsumsi produk di restoran atau kafe yang telah menggunakan lima indera rangsangan. Secara konseptual, penelitian ini menemukan hubungan yang menarik antara pemasaran sensoris, pengalaman merek, dan loyalitas pelanggan yang kemudian disebut sebagai pemasaran sensoris segitiga. Temuan ini menawarkan wawasan tambahan kepada para manajer mengenai strategi pemasaran indrawi untuk merangsang pengalaman merek yang dapat membangun loyalitas pelanggan

DIGITAL BANKING: OPPORTUNITY OR CHALLENGE FOR SHARIA FINANCE INDUSTRY?

Purpose - This study aims to test the TAM model to determine people's perceptions of digital banking. Although empirical research has been conducted on the introduction of digital banking, this is still minimal in the Islamic banking context, as the use of digital banking in Islamic banks is still new.Design/methodology –This study is descriptive and quantitative using survey methods to measure an individual's perception of digital banking in Islamic banks. The survey contains closed and open-ended questions to measure the perception of mobile banking users based on the Technology Acceptance Model (TAM). This survey uses a voluntary survey of respondents scattered across different cities in Indonesia. Data analysis uses SEMPLS 7.0 and SPSS23.Findings -Originality - In addition to testing the TAM digital banking model of the original Islamic bank, this study also examines the potential for new variables that emerge from customer perceptions and uses the data to create new unique to Shariah's recruitment-based banks. We propose variables / models according to the technology. We will also consider obstacles to the introduction of digital banking by Islamic banks