Rumanto, Agep
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ISLAMIC DIGITAL BANK ADOPTION IN DEVELOPING COUNTRIES: A CASE STUDY ON MILLENNIALS IN INDONESIA Rumanto, Agep
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 1 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i1.13491

Abstract

Digital bank is one of the latest cutting-edge on financial technology. This research purpose is to analyze Indonesian millennials behavior toward adoption on digital bank by utilizing extended Technological Acceptance Model (TAM). A partial least square-structural equation model (PLS-SEM) is used to analyze the data of 113 respondents. Based on the findings, the perceived ease of use, perceived usefulness, risk and religiosity determined the intention to adopt Islamic digital bank. In this study also revealed that religiosity insignificant in moderating usefulness toward intention to adopt Islamic digital bank. The research finding extends the TAM with risk and religiosity. These findings contribute extensively to the digital bank literature and theories associated with TAM framework.
Dampak Kesesuaian Syariah dan Variabel Lainnya Terhadap Tingkat Underpricing pada Penawaran Saham Perdana di Indonesia Rumanto, Agep
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.14942

Abstract

This study aims to analyze whether there is an effect of sharia compliance with the level of underpricing in Indonesia. In addition to sharia compliance factors, other factors are also included, namely firm size, stock offering, company age, underwriter reputation, risk factors, and market conditions. This study uses a range of IPO sample data between 2011 and 2015. The test results show that there is a simultaneous influence of the seven dependent variables, namely sharia compliance, company size, stock offering, company age, underwriter reputation, risk factors and market conditions on the level of underpricing. Only risk factors and underwriter reputation have a significant effect on the level of underpricing. While the sharia compliance factor itself which is the main hypothesis in this study has no effect on the level of underpricing in Indonesia.