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All Journal Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen NISBAH: JURNAL PERBANKAN SYARIAH EkBis: Jurnal Ekonomi dan Bisnis Jurnal Ilmu Perbankan dan Keuangan Syariah Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam AL-ARBAH: Journal of Islamic Finance and Banking DEVOSI Journal of Islamic economy and Community Engagement Realible Accounting Journal Journal of Business Management and Islamic Banking Journal of Islamic Economic Scholar Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Defi Insani Saibil
State Islamic University Sunan Kalijaga Yogyakarta
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Niat dan Perilaku Mahasiswa di Indonesia Untuk Bertransaksi Ziswaf Secara Digital Melalui Layanan M-Banking Syariah Saibil, Defi Insani; Romadoni, Muhammad Fathul
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v9i2.2466

Abstract

This research is to analyze the behavior and intentions of students to transact ZISWAF digitally through sharia m-banking services. This study uses the expansion of the Unified Theory of Acceptance and Use to Technology (UTAUT) model by adding the trust construct. Data collection used the Google form with a sample of students who had ZISWAF digitally through sharia m-banking with a sample of 97 respondents. The research findings show that the intention to participate in ZISWAF through sharia m-banking is influenced by social influence, facilitating conditions and trust. However, the variable performance expectations and effort expectations are not significant to behavioral intentions. Meanwhile, adoption behavior (usage adoption) is influenced by beliefs and behavioral intentions which significantly influence the adoption of sharia m-banking services for students with ZISWAF among students in Indonesia.
The Influence of Hr Information Systems, Competence, and Work Discipline on Work Productivity Post-Merger Bank Syariah Indonesia: (Branch Mataram Pajenggik 1) Harum Septianingsih; Defi Insani Saibil
Journal of Business Management and Islamic Banking Vol. 1 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2023.0201-03

Abstract

Research Aims: HR information systems, competencies, and work discipline are the independent variables while work productivity is the dependent variable used. Methodology: The case studies that became the research population were employees of Bank Syariah Indonesia Mataram Pejanggik 1 Branch Office. This research is a quantitative research with saturated sampling technique used in determining the sample. The distribution of respondents obtained was 40 filled out questionnaires. Data analysis method with IBM SPSS 26 because it uses multiple linear regression analysis. Research Findings: The results of this study were obtained   simultaneously from the three variables influencing employee work productivity. Meanwhile, if partially obtained the results of information system variables, and work discipline have a positive and significant effect on work productivity. But the competency variable partially has no positive and significant effect on employee work productivity. The results of this study are that Bank Syariah Indonesia Pejanggik 1 Branch has implemented an HR information system that is accurate and clear, as well as good work discipline, even though there are still employees who are not competent in their fields.
The Influence of Work Life Balance, Work Environment and Compensation Towards Millennial and Gen Z Employee Performance : The Influence of Work Life Balance, Work Environment and Compensation Towards Millennial and Gen Z Employee Performance Murtadha Khairi Zhafran Yusuf; Defi Insani Saibil
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v8i1.381.73-91

Abstract

This study aims to examine the influence of work-life balance, work environment, and compensation on employee performance in Islamic banks in the Special Region of Yogyakarta. This study uses a comparative quantitative approach and purposive sampling technique on employees classified as millennials and Generation Z. Data was collected from 100 respondents who met the criteria. Data collection methods include literature review and questionnaire surveys. Data analysis was conducted using SPSS 26. The results of this study indicate that work-life balance does not significantly influence millennial employees, while the other two variables have a significant influence. For Generation Z employees, compensation does not significantly influence them, while the other two variables have a significant influence. The results of the simultaneous test indicate that all independent variables have a significant effect on the dependent variable for both generations. The results of the Independent T-Test comparison indicate no significant difference in the effect of all independent variables on employee performance between the two generations. This study is expected to be beneficial for the Islamic banking industry, particularly in understanding the differences in characteristics between millennial and Generation Z employees to maximize their performance
Generation Z's Interest in Digital Wallet Payments in Islamic Mobile Banking During a Pandemic Ria Ida Maf’ula Ghoynaqi; Defi Insani Saibil
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15147

Abstract

Purpose - This research was conducted to see interest in digital wallet payments in mobile banking applications using the TAM and TPB theories.Methods - This study tested the hypothesis using Structural Equation Modeling (SEM) with the SmartPLS 3.0 application.Results - The results showed that there was a positive influence on perceived ease of use, perceived usefulness, and subjective norms and significant on intention to use. Meanwhile, attitudes do not affect the intention to use Islamic mobile banking. So attitude is not a factor in Generation Z's intention to use mobile banking in digital wallet transactionsImplications - The population in this study is the Z generation which is carried out in the Special Region of Yogyakarta. A total of 111 respondents used purposive sampling method in determining the population sample.Originality - Respondents in this study have criteria, namely users of Islamic mobile banking and generation Z digital wallets conducted in the Special Region and during the Covid-19 pandemic.
Eksplorasi Minat Masyarakat dalam Menggunakan Electronic Money Card Melalui Pendekatan TAM-TPB Defi Insani Saibil; Novita Dwi Rachmawati
Journal of Islamic Economic Scholar Vol. 7 No. 1 (2026)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2026.7.1.27-36

Abstract

This study aims to examine the factors influencing consumers’ intention to use Electronic Money Cards in the Greater Jakarta area (Jabodetabek) by integrating the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). A quantitative research approach was employed using an online survey of 257 Electronic Money Card users, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0. The findings indicate that perceived usefulness and perceived ease of use have positive and significant effects on attitude toward using, while perceived ease of use also positively influences perceived usefulness. Furthermore, attitude toward using, subjective norm, and perceived behavioral control significantly affect intention to use, whereas perceived usefulness does not have a significant direct effect on intention to use. These findings suggest that improving the ease of use of Electronic Money Cards, fostering positive user attitudes, strengthening social influence, and enhancing users’ perceived behavioral control are essential strategies for increasing consumers’ intention to use this payment instrument. This study contributes to the digital payment literature by integrating TAM and TPB to explain consumers’ intention to use Electronic Money Cards, a payment technology that has received relatively limited scholarly attention compared with e-wallets, QR-based payments, and mobile banking, thereby extending the application of technology adoption theories in the Indonesian digital payment context. Keywords : Electronic Money Card, Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB)
Implication Of Relationship Marketing On Loyalty With Brand Image As A Moderation Variable Hani Budi Lestari; Defi Insani Saibil
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 14 No. 2 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11183

Abstract

Abstract To create customer loyalty, banks need to implement a relational marketing strategy. In addition to relationship marketing, the bank also needs to pay attention to the brand image that is considered, because the brand image is also the key to maintaining and increasing customer loyalty. This study aims to examine the effect of the variables of trust, commitment, and empathy which are dimensions of relationship marketing on customer loyalty with the brand image as a moderating variable. The research subjects used in this study were Generation Z customers of Bank Syariah Indonesia (BSI) which opened 105 respondents. This research uses a quantitative analysis method with the moderator regression analysis (MRA) method. The partial test results show that the trust and commitment variables significantly affect customer loyalty, while the empathy variable has no significant effect on customer loyalty. Furthermore, the test results also show that brand image is not able to moderate the effect of trust, commitment, and empathy variables on customer loyalty.Keywords: Relationship Marketing, Customer Loyalty, Brand Image.
Co-Authors Ahmad Nasirudin Andi Ainun Mardiah Azhar, Jeihan Ali Baroroh, Hilmy Dery Alfian Saputra Fajar Sodik Febriansyah, Erwin Hani Budi Lestari Harum Septianingsih Hassany, Egha Ezhar Junaeka Putra Mamengko, Apfia Anatasia Maulana Izzul Haq MISBAKHUL MUNIR Muhammad Fathul Romadoni Murtadha Khairi Zhafran Yusuf Nasirudin, Ahmad Novita Dwi Rachmawati Pramadeka, Katra Ria Ida Maf’ula Ghoynaqi Romadoni, Muhammad Fathul Tri Pambekti, Galuh