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Journal : Asia-Pacific Management and Business Application

The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use Denny Indra Prastiawan; Siti Aisjah; Rofiaty Rofiaty
APMBA (Asia Pacific Management and Business Application) Vol 9, No 3 (2021)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2021.009.03.4

Abstract

Mobile banking is one of the channels of banking service provided by banking institutions in forms of modern platforms that are fully based on digital technology and displace physical interaction between banks and their customers. For banking industry, mobile banking is more than a service option; it is a strategic plan to facilitate customer’s changes in behavior. However, the acceptance of such platform by the public, particularly micro entrepreneurs, is still in question. The objective of this research is to identify factors influencing the use of mobile banking based on the perception of micro customers of Bank DKI in Surabaya. The variables used in this study were developed from previous researches that also examined the same matter with adjustment on the characteristics of micro customers. The variables, developed through the theoretical review, were then empirically assessed using SEM-PLS. the data was collected from questionnaires distributed to 266 micro customers who received financing from Bank DKI. The surcey discovered that perceived usefulness, perceived ease of use, and social influence are empirically proven to have both direct effects on the use of mobile banking and indirect effects through attitude toward use. Practical implications also discussed in this paper. 
Performance Based Islamic Performance Index (Study on the Bank Muamalat Indonesia and Bank Syariah Mandiri) Siti Aisjah; Agustian Eko Hadianto
APMBA (Asia Pacific Management and Business Application) Vol 2, No 2 (2013)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (863.566 KB) | DOI: 10.21776/ub.apmba.2013.002.02.2

Abstract

The development of Islamic base banks in Indonesia in recent years show rapid growth. The main challenge for Islamic base banks is how to raise belief from the stakeholders. Stakeholder expectations of the Islamic banks is different from a conventional bank. Since, Islamic banks are built on basic principles of Islamic economics. Therefore, we need a tool to evaluate and measure the performance of Islamic base banks. Islamicity Performance Index is a method which can evaluate the performance of Islamic base banks not only their financial but also justice principles, halal (lawfulness), and tazkiyah (sanctification). There are six financial ratios which are measured from Islamicity Performance Index:profit sharing ratio, zakat performance ratio, equitable distribution ratio, directors-employees welfare ratio, Islamic investment versus non-Islamic investment ratio, Islamic income versus non-Islamic income. This research is intended to figure out the performance of Islamic base Bank in Indonesia based on Islamicity Performance Index. The samples are the Bank Muamalat Indonesia and Bank Syariah Mandiri. Sources of data are the financial reports of Bank Muamalat Indonesia and Bank Syariah Mandiri in 2009–2010 period.The results show that the financial performance of Islamic Base Bank in Indonesia during 2009-2010 period have ”quite satisfactory level of  valuation. However, there are two unsatisfactory ratios. They are zakat performance ratio and director-employee welfare contrast ratio. It shows that zakat issued by the Islamic base bank in Indonesia is still low and the contrast of the director-employee welfare is still huge.
Performance Based Islamic Performance Index (Study on the Bank Muamalat Indonesia and Bank Syariah Mandiri) Aisjah, Siti; Hadianto, Agustian Eko
APMBA (Asia Pacific Management and Business Application) Vol. 2 No. 2 (2013)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2013.002.02.2

Abstract

The development of Islamic base banks in Indonesia in recent years show rapid growth. The main challenge for Islamic base banks is how to raise belief from the stakeholders. Stakeholder expectations of the Islamic banks is different from a conventional bank. Since, Islamic banks are built on basic principles of Islamic economics. Therefore, we need a tool to evaluate and measure the performance of Islamic base banks. Islamicity Performance Index is a method which can evaluate the performance of Islamic base banks not only their financial but also justice principles, halal (lawfulness), and tazkiyah (sanctification). There are six financial ratios which are measured from Islamicity Performance Index:profit sharing ratio, zakat performance ratio, equitable distribution ratio, directors-employees welfare ratio, Islamic investment versus non-Islamic investment ratio, Islamic income versus non-Islamic income. This research is intended to figure out the performance of Islamic base Bank in Indonesia based on Islamicity Performance Index. The samples are the Bank Muamalat Indonesia and Bank Syariah Mandiri. Sources of data are the financial reports of Bank Muamalat Indonesia and Bank Syariah Mandiri in 2009–2010 period.The results show that the financial performance of Islamic Base Bank in Indonesia during 2009-2010 period have ”quite satisfactory level of  valuation. However, there are two unsatisfactory ratios. They are zakat performance ratio and director-employee welfare contrast ratio. It shows that zakat issued by the Islamic base bank in Indonesia is still low and the contrast of the director-employee welfare is still huge.
The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use Prastiawan, Denny Indra; Aisjah, Siti; Rofiaty, Rofiaty
APMBA (Asia Pacific Management and Business Application) Vol. 9 No. 3 (2021)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2021.009.03.4

Abstract

Mobile banking is one of the channels of banking service provided by banking institutions in forms of modern platforms that are fully based on digital technology and displace physical interaction between banks and their customers. For banking industry, mobile banking is more than a service option; it is a strategic plan to facilitate customer’s changes in behavior. However, the acceptance of such platform by the public, particularly micro entrepreneurs, is still in question. The objective of this research is to identify factors influencing the use of mobile banking based on the perception of micro customers of Bank DKI in Surabaya. The variables used in this study were developed from previous researches that also examined the same matter with adjustment on the characteristics of micro customers. The variables, developed through the theoretical review, were then empirically assessed using SEM-PLS. the data was collected from questionnaires distributed to 266 micro customers who received financing from Bank DKI. The surcey discovered that perceived usefulness, perceived ease of use, and social influence are empirically proven to have both direct effects on the use of mobile banking and indirect effects through attitude toward use. Practical implications also discussed in this paper. 
Co-Authors . Sugiarti . Surachman ., Jumahir A. Dewantoro Marsono Abda Abda Afifah, Marisa Mursyidhatul Agung Laksana Agustian Eko Hadianto Agustian Eko Hadianto, Agustian Eko Ahmad, Zainuddin AINUR ROFIQ Almira, Yorina Huwaida Ananda Sabil Hussein Anggraini, Mutia Rizki Ardiansyah Muhammad Arifah, Hilda Astrid Puspaningrum Atim Djazuli Bastomi, Mohamad Bhagas Pratyaksa Mahardhika Budi Handrianto Chintya Dewi Ekacittasari Christin Susilowati Cicik Retno Wati Deni, Febrianto Frans Denny Indra Prastiawan Dessy Handa Sari Devia, Aldeline Nolita Diana Ayu Kartikasari Dunga Dwi Barinta Ekacittasari, Chintya Dewi ENDAH KUSUMAWATI Fadhila, Wildan Genira, Chika Felsia Hilda Arifah Imron, Maulidatussa'adah Indah Rachma Putri Karismajid Nur Laksana Khair, Muthi Abul Kusniyah, Nur Kusuma Ratnawati Laksana, Agung Lilik Choirotul Mafula Lilis Suindrawati Lubis, Haikal Yasin M. Aan Faizal Mubarak Maesaroh, Eka Siti Mafula, Lilik Choirotul Maulana, Luthfila Akbar Melindhar, Suristika Moeljadi Moeljadi Nanda Karprilano Narahdita, Ajeng Putri Noermijati NUR HASANAH Oktavian, Eksa Panji Rizki Maulana Permatasari, Aisyah Devi Pertiwi, Nanda Prastiawan, Denny Indra Putra, Hasannudin Nursalim Putri, Indah Rachma Rahmadhi, Nanda Supraba Raisa Fitri Ramadani Wibowo Ramadhan, Satria Putra Ratih Mardianti Reno Furqon Kusumawardana Ricki Prajamukti Ricky Indra Gunawan Rico Eka Wahyu Hudiwijono Rofiaty, Rofiaty Salsabila, Ellen Elysia Saputra, Idang Raya Sefel, Raja Abiyyu Septi Wulandari SEPTI WULANDARI Sri Palupi Prabandari Sri Palupi Prabandari Stefan Yudhanto Sugiarti, . Suindrawati, Lilis Sumantri, Dzaki Maulana Sunaryo Sunaryo Surachman Surachman Surachman Surachman, Surachman Suristika Melindhar Susilowati, Christine Ubud Salim Ubud Salim Ubud Salim Ury Tri Rahayu Vierkury Metyopandi Vildayanti, Rina Ayu Wati, Cicik Retno Wildan Fadhila Wirani, Bella Nisa Yana Respati Dewi Yuni Kusuma Arumsari Zainuddin Ahmad Zulianto, Angga