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All Journal INTEGRATION: Journal of Multidisciplinary Studies ECOBIZTECH: Journal of Economics, Business, and Technology
Decky Hendarsyah
Institut Syariah Negeri Junjungan (ISNJ) Bengkalis, Riau, Indonesia

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Factors affecting Chinese ethnic interest in using Islamic banking products Sherli Sadayu; Sri Rahmany; Decky Hendarsyah
INTEGRATION: Journal of Multidisciplinary Studies Vol. 1 No. 1 (2026): INTEGRATION: Journal of Multidisciplinary Studies - February
Publisher : SCM PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65881/integration.v1i1.9

Abstract

Purpose: This study aims to analyze the influence of understanding, environment, service, and performance on the interest of ethnic Chinese individuals in using Islamic banking products. Method: The study employs a descriptive quantitative approach. The data consist of primary data obtained through questionnaires and secondary data gathered from literature studies. The population of this study comprises customers of Bank Syariah Indonesia's Selatpanjang Branch Office in Meranti Regency, Riau. The sampling technique applied was purposive sampling, with the criterion being active customers of Chinese ethnicity. The data were analyzed using multiple linear regressions, along with validity, reliability, classical assumption, and hypothesis testing. Findings: The results indicate that understanding, service, and performance have a positive effect on the interest of ethnic Chinese individuals in using Islamic banking products, whereas the environment has a negative effect. Implications: Theoretically, the findings of this study complement existing theories and support the Theory of Planned Behavior, Cognitive Theory, and Social Influence Theory. Practically, the results serve as a reference for Islamic banking institutions to improve service quality, performance, and public understanding. Originality: The originality of this research lies in its focus on ethnic Chinese individuals as a non-Muslim group in the context of Islamic banking, the discovery of negative environmental effects, and the development of an integrative model that combines the variables of understanding, environment, service, and performance in relation to interest in using Islamic banking products.
Determinants of understanding of old age security claim calculations in the employment social security system Dita Nurfatila; Decky Hendarsyah; Dariana Dariana
ECOBIZTECH: Journal of Economics, Business, and Technology Vol. 1 No. 1 (2026): ECOBIZTECH: Journal of Economics, Business, and Technology - March
Publisher : SCM PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65881/ecobiztech.v1i1.27

Abstract

Purpose: to analyze the influence of the quality of the Jamsostek Mobile (JMO) application, socialization, education level, and participant motivation on the level of understanding of old age security (OAS) claim calculations. Method: this study used a quantitative approach with a survey design, involving 287 OAS participants as respondents. Data were analyzed using multiple regression to test the relationship between independent variables and participant understanding levels. Findings: the quality of the JMO application, education level, and participant motivation had a positive effect on the level of understanding of OAS claim calculations, whereas socialization did not affect the level of understanding of OAS claim calculations. These findings emphasize the importance of a combination of quality facilities, participant motivation, and individual abilities in improving understanding, while providing information alone is not enough. Implications: this study strengthens key theoretical frameworks and provides practical guidance for developing effective applications and educational strategies to enhance participants’ understanding of OAS claims and independence. Originality: lies in its multidimensional approach, which combines internal and external factors, utilizes digital applications as an educational tool, and integrates theories to provide a comprehensive understanding of OAS claim participants.
Co-Authors Dariana Dariana Dita Nurfatila Sherli Sadayu Sri Rahmany