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REVITALISING INDONESIAN ISLAMIC BANKING PERFORMANCE: A STAKEHOLDER ANALYSIS Ruspita Rani Pertiwi; Jann Hidajat Tjakratmadja; Hary Febriansyah
Journal of Islamic Monetary Economics and Finance Vol 7 No 4 (2021)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i4.1373

This paper examines the views of Islamic bank stakeholders, which are used as basis for measuring and improving bank performance. Taking Indonesia as a case study, we compile information and data from both internal and external stakeholders through in-depth interviews and focus group discussions, code them using N-Vivo, and finally apply the stakeholder management framework for the data analysis. The results obtained suggest that internal stakeholders’ views of Indonesian Islamic banking performance are relatively positive. However, external stakeholders tend to have varied views of its performance. The research finds that the religious values promoted by Islamic banks can increase company value, but at the same time they can also reduce interest in Islamic banking. Based on these findings, it is necessary to investigate further how to strategise the religious values for the promotion of Islamic banking.

Indonesian Islamic Banking Performance: a Conceptual Framework Ruspita Rani Pertiwi; Jann Hidayat Tjakraatmadja; Hary Febriansyah
ETIKONOMI Vol 19, No 2 (2020)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v19i2.16270

This conceptual paper aims to develop an integrated organizational performance model. The analysis will focus on the role of organizational management variables using Indonesian Islamic banking as a case study and features a correlation between how they manage their performance. The model developed in this paper uses a conceptualization phase adapted from Dubin's theory-building method. The conceptualization phase formed through interviews, observations, written expert experiences, and research publications. The finding proposes a conceptual framework that has the potential to boost organization performance by pay attention to how to bring together service innovation, knowledge management capability, and human capital drivers in such a model. The findings provide valuable insights for organizations into non-financial variables' role and the importance of organizational management variables in improving organizational performance, which could help them in (re-) align their management practices and formulating strategies for Indonesian Islamic banking.JEL Classification: L2, L8How to Cite:Pertiwi, R. R. (2020). Indonesian Islamic Banking Performance: A Conceptual Framework. Etikonomi: Jurnal Ekonomi, 19(2), 185-202. https://doi.org/10.15408/etk.v19i2.16270.

Mental Accounting Experiment: Mode of Payment Effect on Treating Money Etik Kresnawati; Ahmad Bunyan Wahib; Ruspita Rani Pertiwi
Journal of Accounting and Investment Vol 20, No 3: September 2019
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

This study examines the argument of mental accounting theory that individuals will behave differently in treating money. More specifically, this study empirically tests whether the difference in payment mode, cash and debit cards, will affect the amount of money spent by individuals when shopping and donation. The data were collected through a laboratory experimental design involving 76 female students from Muhammadiyah Boarding School and Pondok Pesantren Baitussalam Yogyakarta. Using MANOVA as the analysis tool, the results showed that the mode of payment did not affect the amount of money for shopping, but it affected the amount of donation. Subjects who used a debit card show an average number of donations that were larger compared to the subjects in the cash group. The results implied that debit card users, especially students, in this case, are not proven to behave more consumptively as predicted by the theory. While the positive impact is that debit cards can be a means for students to do more charity through donations. Thus, these results are in line with the objective of a cashless society program launched by Bank Indonesia. The important thing that should not be ignored in Less Cash Society programs at educational institutions is the policy of limiting the amount of money students can spend.

Implementasi paradigma integrasi-interkoneksi dalam studi manajemen sumber daya manusia Achmad Muhammad; Ruspita Rani Pertiwi
Tajdidukasi: Jurnal Penelitian dan Kajian Pendidikan Islam Vol 9, No 1 (2019)
Publisher : Muhamadiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47736/tajdidukasi.v9i1.14

This research conducted in August-September 2005 under supervision by Lembaga Penelitian UIN Sunan Kalijaga. The main objective was to accelerate the transformation of IAIN to UIN Sunan Kalijaga in the management area. Why management? Because although successful universities are successful primarily because of their teaching and research not because of their management, good management can over time provide the conditions in which teaching and research can flourish, just as, more usually, poor management can undermine teaching and research and precipitate institutional decline. Lecturer as the main actor of teaching and research in universities has a unique characteristic compared to any kind of human resources. Its job descriptions range from serve college student by teaching, serve the scientific world by writing and research, serve institutions by administrative work, to another kind of job descriptions as a social worker who has to serve and develop the community. With those kinds of characteristics, the university has to design special human resource management, we called it Talent Management. A combination of the direct and indirect interview was used to collect primary data. Populations for this research were university and faculty leader or manager who have the authority to design policy about the lecturer. Samples were taken by using proportional consideration: university management consists of the rector and deputy rector II and faculty management consist of the dean of Dakwah, Syari'ah, and Adab and four chiefs of the study program. This research also conducted observations in daily lecturer management practices. Secondary data were compiled from the university’s document, homepages, and faculty’s document.

HUMAN CAPITAL DRIVERS TO SERVICE INNOVATION: EVIDENCE FROM ISLAMIC BANKING IN INDONESIA Pertiwi, Ruspita Rani; Jannah, Syayyidah Maftuhatul; Sodik, Fajar
Journal of Islamic Monetary Economics and Finance Vol 10 No 2 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i2.1969

This study examines the human capital drivers and how they contribute to service innovation in Indonesian Islamic banking. A questionnaire is used to gather data from a total of 225 Islamic banking employees, and then partial least squares structural equation modeling (PLS-SEM) is applied for data analysis. Moreover, the Maqashid Sharia concept from Abu Zaharah is used to enrich the study findings from an Islamic viewpoint. The findings reveal that human capital drivers comprising leadership strategies, employee engagement, and workforce optimization have both direct and indirect positive effects on service innovation. We believe that our key contribution to the work is providing a service innovation model, where the constructs in the framework employed so far have not been studied comprehensively in the context of Islamic organizations. Furthermore, the developed model integrates more relevant factors to the construction of a strategic human capital management system that can boost service innovation in Islamic banking.

Analisis Literasi dan Inklusi Terhadap Keputusan Gen Z Berinvestasi Pada Reksadana Syariah Selviana, Shela; Pertiwi, Ruspita Rani
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 3 (2025): February 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i3.6634

The phenomenon of gen Z dominating the capital market indicates their high interest in investment activities even though there are still challenges in financial literacy and inclusion. This study aims to analyze the influence of Islamic financial literacy and inclusion on generation Z's investment decisions in Islamic mutual funds. The research was conducted in Yogyakarta, involving 100 respondents who are members of generation Z. The method applied in this study is regression analysis to examine the relationship between the variables of financial literacy, financial inclusion, and investment decisions. The research findings show that financial literacy has a significant positive effect on investment decisions, so that the higher the level of financial literacy, the greater the tendency of generation Z to invest in Islamic mutual funds. In addition, financial inclusion also contributes to improving investment decisions. This study identified that 61.7% of Generation Z's investment decisions are influenced by financial literacy and financial inclusion. These findings indicate the importance of education and accessibility of information on Islamic finance to encourage the younger generation to further improve Islamic financial literacy and inclusion in Indonesia.

REVITALISING INDONESIAN ISLAMIC BANKING PERFORMANCE: A STAKEHOLDER ANALYSIS Pertiwi, Ruspita Rani; Tjakratmadja, Jann Hidajat; Febriansyah, Hary
Journal of Islamic Monetary Economics and Finance Vol. 7 No. 4 (2021)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i4.1373

This paper examines the views of Islamic bank stakeholders, which are used as basis for measuring and improving bank performance. Taking Indonesia as a case study, we compile information and data from both internal and external stakeholders through in-depth interviews and focus group discussions, code them using N-Vivo, and finally apply the stakeholder management framework for the data analysis. The results obtained suggest that internal stakeholders’ views of Indonesian Islamic banking performance are relatively positive. However, external stakeholders tend to have varied views of its performance. The research finds that the religious values promoted by Islamic banks can increase company value, but at the same time they can also reduce interest in Islamic banking. Based on these findings, it is necessary to investigate further how to strategise the religious values for the promotion of Islamic banking.

HUMAN CAPITAL DRIVERS TO SERVICE INNOVATION: EVIDENCE FROM ISLAMIC BANKING IN INDONESIA Pertiwi, Ruspita Rani; Jannah, Syayyidah Maftuhatul; Sodik, Fajar
Journal of Islamic Monetary Economics and Finance Vol. 10 No. 2 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i2.1969

This study examines the human capital drivers and how they contribute to service innovation in Indonesian Islamic banking. A questionnaire is used to gather data from a total of 225 Islamic banking employees, and then partial least squares structural equation modeling (PLS-SEM) is applied for data analysis. Moreover, the Maqashid Sharia concept from Abu Zaharah is used to enrich the study findings from an Islamic viewpoint. The findings reveal that human capital drivers comprising leadership strategies, employee engagement, and workforce optimization have both direct and indirect positive effects on service innovation. We believe that our key contribution to the work is providing a service innovation model, where the constructs in the framework employed so far have not been studied comprehensively in the context of Islamic organizations. Furthermore, the developed model integrates more relevant factors to the construction of a strategic human capital management system that can boost service innovation in Islamic banking.

What Drives Consumers to Use Syariah M-Banking to Purchase E-Money? Integration of UTAUT 2 and Mobile Service Quality Septiani, Alfian Nisa; Berakon, Izra; Pertiwi, Ruspita Rani; Pradana, Mahatva Yoga Adi; Kamal, Safwan
Muslim Business and Economics Review Vol. 1 No. 2 (2022)
Publisher : Universitas Islam Internasional Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v1i2.68

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.

Sharia Financial Literacy in the Digital Era: The Role of the Younger Generation in Embracing the Transformation of Islamic Finance Hayati, Fauzia Kamila; Pertiwi, Ruspita Rani
Suhuf: International Journal of Islamic Studies Vol. 37 No. 2 (2025): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v37i2.11170

The level of Islamic financial literacy among the younger generation remains relatively low, while digital transformation in the financial sector is developing rapidly. This situation then creates a gap between the ability to utilise technology and an adequate understanding of Islamic financial concepts. This study aims to systematically review the academic literature on Islamic financial literacy among the younger generation in the digital era, identifying opportunities, challenges, and strategies for improving literacy. The method used was a Systematic Literature Review (SLR) of 20 scientific articles published between 2018 and 2025, focusing on three main aspects: literacy level, utilization of digitalization, and challenges in disseminating Islamic financial education. The study results indicate that digitalization has significant potential to increase access and effectiveness of Islamic financial education through social media platforms, financial applications, and digital banking services. However, most educational content remains descriptive, lacks interactivity, and is not fully aligned with the characteristics of the younger generation. Therefore, a collaborative strategy is needed between Islamic financial institutions, educational institutions, and other stakeholders to develop engaging, applicable, and sustainable Islamic financial literacy content. This research offers important implications for developing a more innovative and relevant Islamic financial education model tailored to the needs of the younger generation in the digital era.

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