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All Journal JDE (Journal of Developing Economies) Etihad: Journal of Islamic Banking and Finance Journal of Central Banking Law and Institutions Sunan Kalijaga: Islamic Economics Journal
Achmad Nurdany, Achmad
Program Studi Ilmu Ekonomi, Fakultas Ekonomi, Universitas Islam Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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IMPROVING DIGITAL BANKING THROUGH RISK ASSURANCE: TAM MODIFICATION ANALYSIS Marlina Wijayanti, Dwi; Al-Banna, Hasan; Nurdany, Achmad
Journal of Central Banking Law and Institutions Vol. 3 No. 1 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v3i1.172

Abstract

The rapid growth of digital banks has been followed by changing customer behaviour patterns. On the other hand, customer perceptions of digital banks are that they still carry considerable risk. Therefore, the role of institutions in providing certainty and security guarantees for digital banking customers is very important. Based on this situation, this research explores what factors can encourage individuals to use digital banks, which are currently growing quite rapidly through the role of institutions. The Technological Acceptance Model (TAM) is used as a construct in exploring individual behaviour in reaction to technological innovation in digital banks. In addition, risk guarantees from government institutions are also explored as safeguarding customer security. The sample for this study were 977 digital bank users. Data was collected through a self-administered survey. The results show that perceived service quality (PSQ), service innovation (SI), perceived usefulness (PU), perceived ease of use (PEoU), attitude, and behavioural intentions are factors that encourage actual use of digital banking services. It is also known that perceived risk assurance moderates the relationship between attitude and behavioural intention. This research contributes to policy makers for the expansion of digital bank market share through appropriate marketing strategies for digital banks, as well as strategies to increase deposit insurance literacy.
Faktor-faktor yang Memengaruhi Masyarakat Muslim untuk Mengadopsi Asuransi Syariah di Indonesia Albanna, Hasan; Nurdany, Achmad
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i2.3968

Abstract

The growth of Islamic insurance in Indonesia has experienced significant growth. On the other hand, the market share of Islamic insurance in Indonesia is still at 5%. As a country with a Muslim majority population, it is essential to know the factors that influence the interest of Muslims to adopt Sharia insurance in Indonesia. In this study, the author tries to analyze the factors that influence a Muslim's interest in adopting Sharia insurance in Indonesia. This study uses the theory of the planned behavior approach. The study results show that the variables of attitude, subjective norm, and perceived behavioral control have a positive and significant influence on the interest of a Muslim to adopt Sharia insurance in Indonesia. The theory of planned behavior is the main factor for Muslim communities to use sharia insurance. Islamic insurance companies need to pay attention to subjective norms, perceived moral control, and public attitudes in promotions to increase the number of new customers.Pertumbuhan asuransi Syariah di Indonesia mengalami pertumbuhan yang signifikan. Pada sisi lain, market share asuransi Syariah di indonesia masih di angka 5%. Sebagai negara dengan penduduk mayoritas muslim, maka penting untuk mengetahui faktor-faktor yang memengaruhi minat seorang muslim untuk mengadopsi asuransi Syariah di Indonesia. Pada penelitian ini, penulis mencoba menganalisis faktor-faktor yang memengaruhi minat seorang muslim untuk menagdopsi asuransi Syariah di Indonesia. Penelitian ini menggunakan pendekatan theory of planned behavior. Hasil penelitian menunjukan bahwasanya variable sikap, subjective norm dan perceived behavioral control memengaruhi secara positif dan signifikan terhadap minat seorang muslim untuk menagdopsi asurani Syariah di Indonesia. Theory of planned behavior merupakan faktor utama masyarakat muslim menggunakan asuransi syariah. Perusahaan asuransi syariah perlu memperhatikan subjective norm, perceived bahvioral control dan sikap masyarakat dalam melakukan promosi untuk menambah jumlah nasabah baru.
Determinants of Inequality in Economic Development Between District/City in West Java Province 2017-2019 Elvannyrossie, Asvira; Nurdany, Achmad
Sunan Kalijaga: Islamic Economics Journal Vol. 3 No. 1 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/skiej.2024.3.1.2434

Abstract

One of the ideals of a country is to create welfare for its citizens. For its welfare is the construction process. The development process, it requires the availability of natural resources and the condition of supportive human resources. These two aspects are very influential in development. However, the fact is that each region does not necessarily have this, or its conditions differ from other regions. So this triggers an increase or decrease in the level of development inequality. This study aims to analyze what factors influence the level of inequality in districts/cities in West Java in 2017-2019. This research is quantitative research with panel data sourced from the Central Statistics Agency of West Java Province with an annual span from 2017-2019 which includes 18 districts and 9 cities. The method used is a linear panel data regression with a fixed effect model. The dependent variable used is development inequality as measured by the Williamson index. Meanwhile, the dependent variable includes original local government revenue, agglomeration, mean years school, life expectancy, and labor force. The research results indicate that the dependent variable simultaneously affects development inequality. On a partial basis, the variables of local revenue, agglomeration have a positive and significant effect on inequality in economic development, while the variable life expectancy has a negative and significant effect on inequality in economic development. Meanwhile, the variables for the mean years school and the labor force have a positive but insignificant effect on the inequality of economic development between districts/cities in East Java Province.
Faktor-faktor yang Memengaruhi Masyarakat Muslim untuk Mengadopsi Asuransi Syariah di Indonesia Albanna, Hasan; Nurdany, Achmad
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 2 (2022)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i2.3968

Abstract

The growth of Islamic insurance in Indonesia has experienced significant growth. On the other hand, the market share of Islamic insurance in Indonesia is still at 5%. As a country with a Muslim majority population, it is essential to know the factors that influence the interest of Muslims to adopt Sharia insurance in Indonesia. In this study, the author tries to analyze the factors that influence a Muslim's interest in adopting Sharia insurance in Indonesia. This study uses the theory of the planned behavior approach. The study results show that the variables of attitude, subjective norm, and perceived behavioral control have a positive and significant influence on the interest of a Muslim to adopt Sharia insurance in Indonesia. The theory of planned behavior is the main factor for Muslim communities to use sharia insurance. Islamic insurance companies need to pay attention to subjective norms, perceived moral control, and public attitudes in promotions to increase the number of new customers.Pertumbuhan asuransi Syariah di Indonesia mengalami pertumbuhan yang signifikan. Pada sisi lain, market share asuransi Syariah di indonesia masih di angka 5%. Sebagai negara dengan penduduk mayoritas muslim, maka penting untuk mengetahui faktor-faktor yang memengaruhi minat seorang muslim untuk mengadopsi asuransi Syariah di Indonesia. Pada penelitian ini, penulis mencoba menganalisis faktor-faktor yang memengaruhi minat seorang muslim untuk menagdopsi asuransi Syariah di Indonesia. Penelitian ini menggunakan pendekatan theory of planned behavior. Hasil penelitian menunjukan bahwasanya variable sikap, subjective norm dan perceived behavioral control memengaruhi secara positif dan signifikan terhadap minat seorang muslim untuk menagdopsi asurani Syariah di Indonesia. Theory of planned behavior merupakan faktor utama masyarakat muslim menggunakan asuransi syariah. Perusahaan asuransi syariah perlu memperhatikan subjective norm, perceived bahvioral control dan sikap masyarakat dalam melakukan promosi untuk menambah jumlah nasabah baru.
Digitalization in Indonesian Cooperatives: Is It Necessary? Nurdany, Achmad; Prajasari, Anniza Citra
Journal of Developing Economies Vol. 5 No. 2 (2020)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v5i2.19447

Abstract

Digitalization has already penetrated all sectors of life and dominates business models. This study evaluates the extent to which small businesses should adopt digitalization. We focus on the cooperative's business model currently fighting with another fast-growing and popular business model, the start-up. Then, we used direct field research, including descriptive analysis and in-depth interviews with cooperatives in the Yogyakarta Special Region, Indonesia. We found that that the use of digital media by cooperatives in our study was minimal. From in-depth interviews, we found that some non-digital cooperatives insist on not using digitalization due to the lack of digital media penetration of their targeted customers and a preference for word-of-mouth marketing. One practical implication of this study is that digitalization depends somewhat on the addressed customer market model. Keywords: Digitalization, Cooperatives, Word of Mouth JEL: D22, G23, O14
BLOCKCHAIN DAN INOVASI TEKNOLOGI KEUANGAN INDONESIA: SEBUAH TINJAUAN KHUSUS PADA STARTUP ALUMNIA Falih, M. Nabil; Nurdany, Achmad; Tianma, Esa Laifi; Rahmasari, Yuanita Nur
Sunan Kalijaga: Islamic Economics Journal Vol. 1 No. 1 (2022)
Publisher : Department of Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/skiej.2022.1.1.1518

Abstract

ABSTRAKTeknologi blockchain hingga kini masih menjadi topik menarik yang hangat diperbincangkan baik dari kalangan praktisi, akademisi maupun politisi. Teknologi ini menawarkan banyak manfaat dan keuntungan antara lain: keamanan data, transparansi transaksi, dan sistemya yang bersifat desentralistik. Segi keamanan teknologi blockchain yang sangat terjamin mampu menarik banyak pengembang dalam memperkenalkan produk cryptocurrency. Namun, berdasarkan analisis bibliometrik yang penulis lakukan, banyak penelitian yang membahas tentang blockchain tetapi masih jarang yang mengulas terkait penggunaan sistem tersebut pada platform crowdfunding. Oleh karena itu, penulis bermaksud untuk meneliti inovasi yang dilakukan oleh start-up crowdfunding Alumnia dalam penggunaan ekosistem blockchain. Kehadiran Alumnia menawarkan inovasi antara lain: Platform crowdfunding yang dibangun di atas ekosistem blockchain Ethereum, aset dan proyeknya diukur dalam bentuk ALU token yang setara dengan satu gram emas, pengembangan program urun dana untuk penelitian pada perguruan tinggi, dan pembagian projek berdasarkan atas kluster tertentu. Saat ini, Alumnia merupakan satu-satunya start-up urun dana di Indonesia yang menggunakan ekosistem blockchain.Kata Kunci: Blockchain, Crowdfunding, Analisis Bibliometrik, Alumina
Co-Authors Al-Banna, Hasan Elvannyrossie, Asvira Falih, M. Nabil Hasan Albanna, Hasan Marlina Wijayanti, Dwi Prajasari, Anniza Citra Rahmasari, Yuanita Nur Tianma, Esa Laifi