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All Journal BISNIS: Jurnal Bisnis dan Manajemen Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam
Tetty Yuliaty
STIE Harapan Medan
Economics, Econometrics & Finance

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Agen Branchless Banking Untuk Mencapai Masyarakat Bankable Yuliaty, Tetty; Lubis, Arlina Nurbaity
BISNIS Vol 5, No 2 (2017): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v5i2.3016

Abstract

The potential of Branchless banking is good enough for revolution of payment system in the emerging markets. Which aims to expand financial services to unbanked communities and provide a platform to contact MSMEs to the global economy can be achieved. Bank Indonesia (BI) targets the percentage of people reaching bankable services to reach 50% by 2019. By the end of 2014, the new bankable group reaches 36%. Meanwhile, as many as 64% are unreached groups of services from banks (unbankable), now our society tend to have mind-minded economy mindset. For that, need an increase from the side of savings. Digital financial services (LKD) such as Branchless Banking initiated by Bank Indonesia may be part of this intermediation. Some of the reasons that make the unbankable group exist, ie they do not understand how to open an account. In addition, people may also prefer to save themselves, shy with the formalities, or they are no money. Branchless Banking Agent as one of the elements in the implementation of Branchless Banking very need to be studied existence. To assist this research, and also use primary data needed and secondary in the implementation, in-depth interviews, observation and other in reviewing this qualitative research. The purpose of this study was to determine whether branchless banking agents were able to reach the bankable community. Methods of data collection in this study are, documentation studies, Direct observation, Indepth interview Open Questions, as well as provide a question sheet to the respondents and other sources. Qualitative Data Analysis Method used in this research is successive approximation method. The results of this study indicate that Agent Banking is able to become one of the elements in achieving Bankable society, where with its existence, its proximity and intensity with unbanked communities, can slowly increase bankable society.
Do The Socio-Economic Status, Religious Attitudeand Customer Perception Impact On Customer Behavior? : Islamic Banking Case Yuliaty, Tetty; Dalimunthe, Doli Muhammad Jafar; Hawariyuni, Weni
IKONOMIKA Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i2.15827

Abstract

This study aims to investigate customer behavior at Islamic banks,Indonesia. This research was analyzed by using path analysis approach involving 200 respondents as customers at several Islamic banks in Medan, Indonesia. Based on this research show the socio-economic status and religious attitudes have positively and significantly impactto customer behavior. On the other hand, socio-economic status and religious attitude are also positively and significantly impact for customer perceptions. Customer perceptions have the implication to increase positive customer behavior, sharia banking managers in Indonesia need to foster the religiosity of customers and target prospective customers who have good religiosity and good socio-economic status.
Co-Authors Arlina Nurbaity Lubis Dalimunthe, Doli Muhammad Jafar Weni Hawariyuni, Weni