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All Journal Journal of Islamic Monetary Economics and Finance
Dety Nurfadilah
Sekolah Tinggi Manajemen IPMI, Indonesia
Economics, Econometrics & Finance

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HOW THE COVID-19 CRISIS IS AFFECTING CUSTOMERS’ INTENTION TO USE ISLAMIC FINTECH SERVICES: EVIDENCE FROM INDONESIA Dety Nurfadilah; Sudarmawan Samidi
Journal of Islamic Monetary Economics and Finance Vol 7 (2021): Special issue 1: Islamic Economy and Finance in times of Covid-19 Pandemic
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i0.1318

Abstract

The objective of this study is to investigate the factors that are affecting customers’ intention to use Islamic FinTech services during the Covid-19 crisis. It expands the technology acceptance model (TAM) by adding government support as a new variable for the context of Islamic FinTech services during the pandemic. Using TAM as a framework, we propose a model outlining the impact of government regulation, perceived usefulness, perceived ease of use, perceived trust, and user innovativeness on consumer attitude behaviour and the intention to use Islamic FinTech services, such as payment and peer-to-peer lending. 220 sets of data were collected from an online survey and analysed using partial least squares-structural equation modelling (PLS-SEM). The results show that government support for Islamic FinTech during the Covid-19 pandemic has had an indirect impact on attitude behaviour in using Islamic services through perceived ease of use and perceived usefulness. Attitude behaviour was found to have an impact on intention.
THE DEFAULT IN ISLAMIC PEER TO PEER LENDING: AN APPLICATION OF THE GENERAL STRAIN THEORY Dety Nurfadilah; Dida Nurhaida; Sudarmawan Samidi
Journal of Islamic Monetary Economics and Finance Vol 8 No 2 (2022)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v8i2.1432

Abstract

While the Islamic peer to peer (P2P) lending is useful especially during the present Covid-19 Pandemic, its default risk remains high. In this study, we apply the extended general strain theory to investigate borrowers’ default intention on the Islamic P2P lending during the pandemic period. Using the SEM-PLS method to analyse data gathered from a survey, we find economic pressure and socialization difficulty to be significant in increasing negative affects (life dissatisfaction, perceived unfairness, and inferiority feeling) and hence indirectly affecting the willingness to repay. Further, we find that socialization difficulty does not seem to have direct influences on default intention. Finally, moral norms appear to be a significant moderating factor in the framework. These should contribute to a better scoring system of the Islamic P2P lending.
PURCHASE INTENTION OF HALAL LOCAL BEAUTY BRAND DURING COVID-19: THE ROLE OF INFLUENCERS’ CREDIBILITY AND HALAL AWARENESS Ismi Tazlia; Dety Nurfadilah; Sasotya Pratama
Journal of Islamic Monetary Economics and Finance Vol 9 No 3 (2023)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v9i3.1623

Abstract

By applying the Stimulus-Organism-Response (SOR) model, this study investigates whether influencers’ credibility and halal awareness influence customer’s perceived value which, in turn, affects their purchase intention. Gathering data using an online survey and applying the SEM-PLS method, we find that influencers' credibility and halal awareness have a positive effect on the customer’s perceived value for local Indonesian halal beauty products. In addition, the perceived value also affects customers purchase interest. The results related to halal awareness emphasizes the role of halal certification in the customer’s purchase intention. This study provides valuable insight to the halal local beauty industry to improve the marketing strategy and contributes to the theoretical literature in the field of management and marketing.
Co-Authors Dida Nurhaida Ismi Tazlia Sasotya Pratama Sudarmawan Samidi Sudarmawan Samidi