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All Journal International Journal of Electrical and Computer Engineering ETIKONOMI al-Uqud : Journal of Islamic Economics Al-Muzara'ah Journal of Islamic Monetary Economics and Finance International Journal of Economics Development Research (IJEDR) PAKAR Pendidikan Jurnal Kebijakan Ekonomi Jurnal Ilmiah Multidisiplin Nusantara
Arundina, Tika
Faculty Of Economics And Business, University Of Indonesia, Indonesia
Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Mathematics Public Health Social Sciences Other

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Analisis Intensi Masyarakat Muslim di Indonesia dalam Menggunakan Bank Syariah: Integrated Model Samiaji, Maskur Seto; Arundina, Tika
Jurnal Kebijakan Ekonomi Vol. 18, No. 1
Publisher : UI Scholars Hub

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Abstract

This study was conducted to analyze the intentions of the Muslim community regarding to their using of the Islamic banks in Indonesia. The study was structured by an integrative approach, where the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) were integrated by adding the religiosity variable to see its effect on the intentions of the Muslim community in Indonesia to use Islamic banks. The variables used in this study include perceived ease of use, perception of benefits, attitude, subjective norms, control over behavior, and religiosity. The research data used is primary data collected using a questionnaire in the period of March – July 2021. The respondents consist of the Indonesian Muslim community who are also sharia bank customers with a total of 500 respondents spread across 34 provinces throughout Indonesia. Furthermore, data analysis was performed using the Partial Least Square Structural Equation Modeling (PLS-SEM) method. The results showed that perceived ease of use and perceived usefulness had a positive and significant effect on attitude. Then, attitude, subjective norms, perceived behavioral control, and religiosity have a positive and significant effect on intentions. This means that the intentions of the Muslim community in Indonesia can be influenced by the proposed research variables. The results of this study are expected to provide input to industry players and regulators to increase the growth and market share of Islamic banking.
Analisis Kredit Bermasalah Segmen Usaha Mikro Kecil Dan Menengah (UMKM) Pada Bank Syariah Di Indonesia Vicka Pramudya Putra; Tika Arundina; Resolinda Harly
Jurnal Ilmiah Multidisiplin Nusantara (JIMNU) Vol. 1 No. 2 (2023): JIMNU - JULI
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/jimnu.v1i2.115

Abstract

Risiko kredit merupakan risiko utama yang dihadapi perbankan karena berkaitan dengan bisnis utama perbankan. Dimana kredit bermasalah/ non-performing financing dipakai sebagai proxy dari risiko kredit. Seperti industri perbankan lainnya, dalam menjalankan kegiatannya, bank syariah juga tidak terlepas dari non performing financing atau pembiayaan bermasalah. Risiko kredit pada perbankan syariah patut untuk dikaji lebih lanjut karena perbankan syariah dinilai lebih tangguh dalam menghadapi krisis. Tujuan dari penelitian ini adalah untuk mengkaji risiko kredit pada Perbankan Syariah di Indonesia. Secara khusus, penelitian ini mengkaji risiko kredit dalam Pembiayaan Usaha Mikro Kecil dan Menengah (UMKM). Menggunakan sampel bank syariah di Indonesia, selama periode 2015-2020 dan kami menerapkan teknik data panel. Penelitian ini juga dilatarbelakangi oleh hipotesis bahwa bank-specific dan macroeconomic memengaruhi risiko kredit. Hasil penelitian kami menyatakan bahwa kredit bermasalah pada segmen UMKM di Bank Syariah dipengaruhi oleh faktor spesifik bank. Penelitian kami belum menemukan pengaruh variabel makroekonomi terhadap non-performing financing pada penyaluran pembiayaan UMKM di Bank Syariah.
Co-Authors Anggiana Diniary Banu Muhammad H. Dato’ Mohd. Azmi Omar Fenny Rosmanita Husein, Farid Indraswari, Kenny D. Kenny Devita Indraswari Mira Kartiwi Mohd Azmi Omar Muhammad Budi Prasetyo Novitasari, Elva Novreska, Sasiaprita Orieza Alif Putra Purnomo Prasetyo, M. Budi Rahmatina A. Kasri Rahmatina Awaliah Kasri Resolinda Harly samiaji, maskur seto Teddy Surya Gunawan Vicka Pramudya Putra