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Islamic Banks: Study of Financial Literacy, Digital Marketing, Accessibility, Age, and Education Dhidhin Noer Ady Rahmanto; Irsyad Syaiful Muhammad; Feni Nurwiyanti; Al Haq Kamal; Ageng Asmara Sani
Journal of Islamic Economics and Finance Studies Vol 4 No 1 (2023): JIEFeS, June 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i1.5805

The emergence of the Islamic banking Industry in Indonesia up to now has not escaped from challenges and problems, among the main ones is how Islamic banks are leading the market share by increasing customer interest in using Islamic banking services. Quantitative methods were used in this research with a sample of 100 respondents of Islamic bank customers who lived in a special region of Yogyakarta which was selected by using a purposive sampling approach, and multiple linear regression by using SMART PLS 2.0. applied as the tools of analysis. The result shows that financial literacy does not affect the interest in becoming Islamic customers. Meanwhile, digital marketing and accessibility do affect the interest in becoming Islamic bank customers. Then, age and education as moderating variables are not able to moderate financial literacy, digital marketing, on interest in becoming Islamic bank customers. The practical implications of this research suggest that marketers can make more informed decisions, such as intensifying promotional efforts on digital platforms and enhancing customer accessibility. Additionally, this study recommends further research to address the limitations by including cybersecurity perceptions as a moderating variable. By doing so, the research will be able to provide a more comprehensive understanding of the subject matter.

Analisis Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) sebagai Alat Pembayaran Non Tunai pada Bank Syariah Indonesia KCP Godean 2 Sulistiani Arianti Putri; Dhidhin Noer Ady Rahmanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 1 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i1.427

Sulistiani Arianti Putri, Dhidhin Noer Ady Rahmanto Universitas Alma Ata Yogyakarta 192100137@almaata.ac.id ABSTRACT The purpose of this study was conducted to find out and examine how effective the use of the Quick Response Code Indonesian Standard (QRIS) feature at Bank Syariah Indonesia KCP Godean 2 is to use it as a non-cash payment instrument. This type of research is included in field research, which means explaining and describing conditions and phenomena more clearly related to the situation that occurs, therefore the type of research used is a type of qualitative research through interviews and documentation. The subjects in this study were Branch Managers, Consumer Branch Relations Managers, Funding and Transaction Staff, Customer Service and customers who use QRIS BSI KCP Godean 2. The results of this study indicate that the effectiveness of using QRIS as a non-cash payment tool has been running effectively, this is evidenced with the fulfillment of 3 aspects of effectiveness (source approach, process approach and target approach). Meanwhile, the performance effectiveness of Islamic banks in implementing QRIS shows the fulfillment of two of the three approaches, namely the source approach and the process approach. For one other measure of effectiveness, it is considered that it cannot be fulfilled, namely the target approach because it cannot achieve the results or outputs that have been previously set. The cause of BSI KCP Godean 2 not achieving results or output was the lack of availability of Human Resources (HR). Even so, statements from customers regarding service quality are quite good and satisfying. Keywords: Effectiveness, Usage, Performance, Standard Indonesian Quick Response Code

Islamic Branding Experience dan Customer Citizenship Behaviour terhadap Keputusan Menggunakan Layanan LinkAja Syariah Safira, Raja Ela; Rahmanto, Dhidhin Noer Ady
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i1.3953

The influence of Islamic branding experience and customer citizenship behavior on the decision to use sharia linkaja services is the focus of this research, this is due to the increasing use of digitalization of sharia finance. The sample used was 252 respondents, the sampling technique used purposive sampling, namely the selection of samples with specified criteria. The results show that partially Islamic branding experience has a significant effect on decisions to use services, then customer citizenship behavior has a positive and significant effect on decisions to use services, which means that the better customer citizenship behavior, the more decisions to use services. Simultaneously, both Islamic branding experience and customer citizenship behavior have a positive and significant effect on decisions to use services simultaneously.Islamic branding experience dan customer citizenship behaviour terhadap keputusan menggunakan layanan linkaja syariah menjadi fokus penelitian dikarenakan meningkatnya penggunaan digitalisasi keuangan syariah. Sample yang diperoleh 252 responden, teknik pengambilan sample menggunakan purposive sampling, yaitu pemilihan sample dengan kriteria tertentu. Hasil penelitian menunjukkan secara parsial islamic branding experience berpengaruh signifikan terhadap keputusan menggunakan layanan, Selanjutnya customer citizenship behaviour berpengaruh positif dan signifikan terhadap keputusan menggunakan layanan artinya semakin baik customer citizenship behaviour maka semakin meningkatkan keputusan menggunakan layanan. Secara simultan baik islamic branding experience dan customer citizenship behaviour berpengaruh secara bersamaan positif dan signifikan terhadap keputusan menggunakan layanan.

Regional Promotion and Halal Tourism E-Marketing of Tourism Visiting Motives in Yogyakarta Safira, Raja Ela; Rahmanto, Dhidhin Noer Ady; Fahmi, Annas Syams Rizal
AL- IKTISAB Journal of Islamic Economic Law Vol 2 No 2 (2018)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v2i2.3899

This research was conducted to find out how the influence of Halal Tourism Promotion Based on E-Marketing Against Tourist Visits in Yogyakarta. Promotion is an important thing that needs to be done and considered in attracting tourists. In this millennial era technology is developing very rapidly, so many activities are carried out using technology. Thus the use of E-Marketing is considered suitable for increasing tourists. The testing method is to use multiple linear regression method with moderating variables to show the results of the study of the influence of Halal Tourism Promotion Based on E-Marketing Against Tourist Visits in Yogyakarta. Data collection techniques used were questionnaires and observations. From the results of this study it was found that the use of E-Markenting can increase wisatawan's interest in visiting halal tourism in Yogyakarta. At first when using regional promotions only gained 7% and when using E-Marketing increased to 67%.

The Influence of Plafond, Tenor, Application Process, and Loan Frequency on The Growth of Bank Syariah Indonesia's MSMEs Customers Viantina, Anisa Lia; Purbowisanti, Ratih; Ady Rahmanto, Dhidhin Noer; Ilmiah, Dunyati; Febriyanti, Novi
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5405

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.

Analisis Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) sebagai Alat Pembayaran Non Tunai pada Bank Syariah Indonesia KCP Godean 2 Sulistiani Arianti Putri; Dhidhin Noer Ady Rahmanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 1 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i1.427

Sulistiani Arianti Putri, Dhidhin Noer Ady Rahmanto Universitas Alma Ata Yogyakarta 192100137@almaata.ac.id ABSTRACT The purpose of this study was conducted to find out and examine how effective the use of the Quick Response Code Indonesian Standard (QRIS) feature at Bank Syariah Indonesia KCP Godean 2 is to use it as a non-cash payment instrument. This type of research is included in field research, which means explaining and describing conditions and phenomena more clearly related to the situation that occurs, therefore the type of research used is a type of qualitative research through interviews and documentation. The subjects in this study were Branch Managers, Consumer Branch Relations Managers, Funding and Transaction Staff, Customer Service and customers who use QRIS BSI KCP Godean 2. The results of this study indicate that the effectiveness of using QRIS as a non-cash payment tool has been running effectively, this is evidenced with the fulfillment of 3 aspects of effectiveness (source approach, process approach and target approach). Meanwhile, the performance effectiveness of Islamic banks in implementing QRIS shows the fulfillment of two of the three approaches, namely the source approach and the process approach. For one other measure of effectiveness, it is considered that it cannot be fulfilled, namely the target approach because it cannot achieve the results or outputs that have been previously set. The cause of BSI KCP Godean 2 not achieving results or output was the lack of availability of Human Resources (HR). Even so, statements from customers regarding service quality are quite good and satisfying. Keywords: Effectiveness, Usage, Performance, Standard Indonesian Quick Response Code

The Influence of Plafond, Tenor, Application Process, and Loan Frequency on The Growth of Bank Syariah Indonesia's MSMEs Customers Viantina, Anisa Lia; Purbowisanti, Ratih; Ady Rahmanto, Dhidhin Noer; Ilmiah, Dunyati; Febriyanti, Novi
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5405

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.

Financial Performance of Islamic Banks in Indonesia: Islamic Performance Indeks Approach Marzukoh, Aliyatun; Rahmanto, Dhidhin Noer Ady; Irsyad, Syaiful Muhamad
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.8105

The purpose of this study was to determine the effect of the Islamicity Performance Index and Intellectual Capital on the profitability of Islamic Commercial Banks in Indonesia. The sample of this study was 7 Sharia Commercial Banks registered at Bank Indonesia and included in the Commercial Bank Business Activities (BUKU) II in 2018. This study used a multiple linear regression analysis method using Microsoft Excel 2007 and SPSS 20 software. Based on the result of testing, partial result of hypothesis showed that the variable Intellectual Capital (IC) has a positive signifivant effect on profitability of Comercial Sharia Bank in Indonesia, variable Equitable Distribution Ratio (EDR), Directors Employes Welfare Ratio (DEWR) has a positive not significant effect on profitability). Meanwhile the variable Profit Sharing Ratio (PSR) and Zakat Performance Ratio (ZPR) has a negative significant effect on profitability, and Islamic Income Ratio (IsIR) has a negative not significant effect on profitability of Comercial Sharia Bank in Indonesia. Simultaneous result of hypothesis showed that the all variable independent have positive effect on profitability, and variable dominan was Intellectual capital (IC).

Assessing the Efficiency of Sharia Rural Banks: A Comparative Study Using DEA Frontier Rahmanto, Dhidhin Noer Ady; Maulana, Hardiyansyah; Novi Febriyanti; M. Zidny Nafi’ Hasbi; Tyagita Dianingtyas Sudibyo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol 6 No 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.278.127-145

The COVID-19 pandemic has negatively impacted various sectors, including health, the economy, and banking, leading to decreased purchasing power, weakened entrepreneurship, and threats to MSMEs. The Sharia Rural Banks (BPRS) complements other Sharia banks in Indonesia by meeting the community's financial needs in accordance with Sharia principles. Efficiency in banking serves as a key indicator to assess bank performance, determining whether a bank is operating effectively. Identifying the factors that influence efficiency in the banking sector is essential. This study employs a quantitative approach with a descriptive design, using secondary data from the BPRS annual financial reports for the first, second, third, and fourth quarters of 2023, obtained from the official OJK website. The research sample includes 20 BPRS in the Central Java and DIY Provinces, all registered with the OJK. The data was processed into input and output variables based on financial balance sheets and profit and loss statements. Analysis was conducted using the DEA Frontier Application with the Variable Return to Scale (VRS) model. Efficiency was measured on a scale from 0 to 1, where a score of 1 or 100% indicates full efficiency. This study, conducted online from May to July 2024, utilized annual financial report data sourced from the Financial Services Authority (OJK). The findings reveal that the average operational efficiency of BPRS in Central Java across the four quarters was 0.881, while in DIY, it was 0.940, indicating that BPRS in DIY demonstrated higher operational efficiency compared to those in Central Java.

The Role Of Islamic Microfinance Institutions In Promoting Development And Sustainability Agricultural Entrepreneurship Sector Irsyad, Syaiful Muhammad; Al Adawiyah, Rumaisah Azizah; Islami, Imas Nurani; Rahmanto, Dhidhin Noer Ady
Al-Tijary Vol 10 No 1 (2024): AL-TIJARY VOL. 10, NO. 1,DECEMBER 2024
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v10i1.9243

As one of the largest food-producing nations, Indonesia faces challenges in meeting domestic demand, making sustainability in agriculture a critical issue. One major hurdle is the limited financial resources available to farmers, underscoring the necessity for accessible microfinance. Islamic Microfinance Institutions (IMFIs) offer financing based on Islamic principles, providing unique opportunities to support farmers. This study explores the role of IMFIs in promoting development and sustainability in Indonesia’s agricultural sector. A qualitative approach was employed, and interviews with key stakeholders were conducted to assess IMFIs' contributions to addressing financial constraints and fostering sustainable practices. The findings highlight the potential of IMFIs in enhancing agricultural entrepreneurship and supporting the achievement of Sustainable Development Goals (SDGs). The research results state that IMFIs has great potential to revolutionize financing in the agricultural sector, advancing SDG 1 (no poverty), SDG 2 (no hunger), and SDG 12 (responsible consumption and production). This research aims to guide IMFIs and policymakers in implementing effective strategies for sustainable development in agriculture.

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