Claim Missing Document
Check
Articles

Found 3 Documents
Search

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.
Do men and women respond differently to Sharia marketing? Exploring ethical drivers of loyalty in Islamic banking Hadi, Solikhul; Rumanto, Agep
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art17

Abstract

IntroductionEthical and Sharia-compliant marketing has become a strategic foundation for Islamic banks seeking to build sustainable customer loyalty. Unlike conventional marketing, Sharia marketing emphasizes honesty, fairness, and trust, reflecting Islamic ethical values in every business transaction. However, the extent to which these ethical marketing practices drive customer loyalty—and whether gender differences influence these effects—remains underexplored.ObjectivesThis study aims to analyze the impact of Sharia marketing ethics, represented by the five dimensions of the Islamic marketing mix (product, price, promotion, people, and place), on customer loyalty in Islamic banking. It further examines the moderating role of gender in these relationships to uncover differential behavioral responses among male and female customers.MethodA quantitative explanatory approach was employed, collecting survey data from 295 customers of Bank Syariah Indonesia (BSI) using purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.2.9 to assess both direct and moderating effects. The model’s validity and reliability were confirmed through confirmatory factor analysis and multicollinearity diagnostics.ResultsFindings reveal that all five elements of Sharia marketing ethics significantly influence customer loyalty, with promotion, product, and place showing the strongest positive effects. Interestingly, the “people” dimension has a negative influence, indicating that employee interactions do not always align with customers’ ethical expectations. Gender significantly moderates the relationships between price, promotion, people, and place with loyalty, suggesting that male and female customers respond differently to ethical marketing signals.ImplicationsThe results underscore the importance of integrating ethical and gender-sensitive strategies in Islamic marketing. Islamic banks should focus on authentic communication, fair pricing, and improving service interactions to strengthen customer trust and long-term loyalty. These insights also provide policy implications for enhancing the ethical governance of marketing practices in Islamic financial institutions.Originality/NoveltyThis study contributes to Islamic marketing literature by integrating ethical Sharia marketing principles with gender-based behavioral analysis. It offers a novel perspective by demonstrating how gender moderates the ethical marketing–loyalty relationship, providing both theoretical enrichment and practical guidance for inclusive marketing strategies in Islamic banking.