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All Journal International Journal of Economics Development Research (IJEDR) Al-Muamalat : Jurnal Ekonomi Syariah
Wiku Suryomurti
Institut Agama Islam Tazkia
Humanities Economics, Econometrics & Finance Social Sciences

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Factors Affecting Loan Quality on Sharia Fintech Lending Platforms: A Case Study In Indonesia Wirdhatul Jannah Dasri; Wiku Suryomurti; Ang Soon Yong
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 2 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5326

Abstract

This study aims to see the Factors Affecting Loan Quality on Sharia Fintech Lending in Indonesia. This research uses a qualitative method of case studies by collecting secondary data through from OJK. This article looks at the Factors of current loans and non-current loans starting in early 2021 to 2023 for Sharia FinTech in Indonesia by adopting the multiple linear regression method and dummy variables to analyze data on more than two free variables. The estimates show factors for gender, age and domicile in FinTech lending in Indonesia. Furthermore, gender does not appear to significantly impact the number of loan recipients or the outstanding loan amount, age and domicile variables have a significant impact on these factors. Age categories show a positive impact on the number of loan recipients and the outstanding loan amount. Meanwhile, individuals outside of Java are more likely to be loan recipients compared to individuals in Java. These findings recommend that financial services authorities intensively encourage new innovative Sharia FinTech business models for lending to expand digital financial inclusion by providing financing for people (P2P) who are not touched by banks.
Efficient Market Analysis of Jakarta Islamic Index (2019-2023) Rahma Aulia Sidik; Wiku Suryomurti; Soon Yong Ang
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 2 (2024): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i2.35193

Abstract

This study aims to analyze the efficient market form of the Jakarta Islamic Index. The methodology used is an event study with a window period of 20 days, including ten days before and ten days after the announcement of composition changes held twice a year. The sample consists of 102, with 30 companies listed during the study period and 36 companies excluded and re-listed following the composition change announcements. The analysis technique used is the Paired Sample T-test. The findings reveal no differences in abnormal returns and trading volume activity before and after the announcement. This suggests that the market had already absorbed the announcement information before the event, resulting in a weak reaction and indicating that the announcement did not significantly impact the Jakarta Islamic Index. This implies that the index operates in a semi-strong form of market efficiency. Consequently, companies listed in the index may need additional strategies to improve their stock performance. To provide further insight, this study also examines the average stock trading activity of companies that enter and exit the composition of the Jakarta Islamic Index for the 2019-2023 periods.
Sharia Fintech Service Adoption Among Cooperative and Non-Cooperative Users in Jakarta and West Java: An Empirical Tam Study Siti Rabiah Magfiroh; Wiku Suryomurti
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 4 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5307

Abstract

This study examines the factors influencing the adoption of Sharia FinTech among cooperative and non-cooperative users that can help them provide better and more efficient services. Moreover, this research uses the Technology Acceptance Model (TAM) method that has been modified using quantitative analysis by distributing online questionnaires with a total of 154 respondents in the DKI Jakarta and West Java provinces. Data processing and hypothesis testing were conducted using the Structural Equation Model (SEM) which showed that variables PU, PUE, TRU, BI, and PR have a significant impact on ATT. Meanwhile, BI, PR, and UI have been proven to influence TRU, PUE has been proven to influence PU, and ATT has been proven to influence INT. Additionally, GS and UI do not affect ATT, and PR does not affect TRU for users' adoption of Sharia FinTech services. This study contributes to the literature on Sharia FinTech service adoption by providing a more comprehensive view of user attitude determinants by combining trust in FinTech services with TAM.
Co-Authors Ang Soon Yong Rahma Aulia Sidik Siti Rabiah Magfiroh Soon Yong Ang Wirdhatul Jannah Dasri