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All Journal ETIKONOMI Sebelas Maret Business Review Journal of Digital Marketing and Halal Industry
Saktiawan, Bimo
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Financial Benefits from The Millennial Generation in Choosing Islamic Mortgages: Do Digital Marketing Channels Matter? Amri, Syaiful; Risfandy, Tastaftiyan; Saktiawan, Bimo; Dewi, Toifsa Rosita
Journal of Digital Marketing and Halal Industry Vol. 7 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2025.7.1.26163

Abstract

The slow provision of houses or residences that are not balanced with the number needed has led to a backlog in Indonesia. As a result, house prices are getting higher, making it difficult for the lower middle class. This problem has become a burden for millennials when building an ideal family with affordable housing. Many think owning a house is a dream that is difficult to realize. To overcome this, the government has tried to provide homeownership credit (kredit pemilikan rumah-KPR) or mortgage loans to provide subsidies for affordable housing in conventional and Sharia or Islamic contracts. Unlike conventional mortgages, Islamic mortgages have a contract as a sale, purchase, or cooperation, not an interest-bearing debt. This study investigates whether financial benefits and digital marketing channels influence the millennial generation's decision to use Islamic mortgages. The research sample consisted of 131 BTN Syariah bank customers born between 1981 and 1996. Our PLS-SEM analysis revealed that financial benefits and digital marketing channels directly affect choosing Islamic mortgages. However, the interaction between the two variables does not have a significant effect. The possibility behind this result is that financial benefits are the main attribute that stands alone regardless of whether it is communicated through digital marketing channels. Therefore, this study suggests that bank managers and stakeholders strive to improve the financial benefits of Islamic mortgages as a core value to attract consumers. In addition, they also need to properly manage the digital marketing channels they have to provide a positive impression.
The influence of brand image on purchase intention in social commerce TikTok Shop: The role of trust Saktiawan, Bimo; Permatasari, Harnung Indah; Wulandari, Trisninik Ratih
Sebelas Maret Business Review Vol 8, No 1 (2023): June 2023
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v8i1.75851

Abstract

People are starting to change their habits, especially after the Covid-19 pandemic, which made them prefer shopping online. Many online shopping platforms can be used by consumers, including social media as well as e-commerce or the social commerce term TikTok Shop. The TikTok application has great potential in the e-commerce sector, including the marketing industry and online shopping media in the form of short videos. On the other hand, TikTok can provide a positive value to the brand image of a product. If the product has a positive brand image, the impact will be that people will trust and know the product well. Besides the brand image, consumer purchase intention is also based on trust. The problem is consumer trust in TikTok as a social media-based online shopping tool is still being debated. This study aims to prove the effect of brand image mediated by customer trust on purchase intention in the social commerce TikTok Shop. This research method is quantitative, and the data used is primary data from an online survey via LimeSurvey. The total number of respondents is 333 people who are spread throughout Indonesia. Next, the collected data was analyzed by SEM on SmartPLS. The results of the study show that brand image has a significant effect on customer trust and purchase intention.
Banking in the Digital Era: Charting the Path from Transformation to Performance in Indonesian Banks Saktiawan, Bimo; Dewi, Resfita; Risfandy, Tastaftiyan; Setiyono, Bowo
ETIKONOMI Vol. 25 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i1.43624

Abstract

Research Originality: This research develops a new digital transformation adoption measure based on the number of products and services provided by a bank. Research Objectives: This study examines the impact of digital transformation, specifically the adoption of digital services and products, on bank performance in Indonesia. Research Methods: This study used hand-collected data from commercial bank annual reports to determine their digital transformation adoption and the BankFocus BvD database for the banks’ financial data for 2014–2023. This study employed fixed- and random-effects models and the two-step generalized method of moments to address endogeneity. Empirical Results: Digital transformation positively affects banking performance, and the significant effect is heterogeneous in nonstate-owned commercial and small and medium-sized banks. Implications: This study provides policymakers and banking executives with insights into the critical role of digital product and service adoption in overcoming the increasing challenges of modern business. The heterogeneity test results suggest that targeted policies and incentives are needed to create a supportive climate for digital transformation. JEL Classification: G21, G23, G33
Co-Authors Dewi, Resfita Dewi, Toifsa Rosita Permatasari, Harnung Indah Setiyono, Bowo Syaiful Amri Tastaftiyan Risfandy, Tastaftiyan Trisninik Ratih Wulandari, Trisninik Ratih