Article Per Year (5 Year)
p-Index From 2020 - 2025
0.61
P-Index
This Author published in this journals
All Journal Global Review of Islamic Economics and Business Jurnal Ekonomi, Manajemen, Akuntansi
Zaenal Arief
Universitas Siber Indonesia
Economics, Econometrics & Finance Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Liability Driven Investment Analysis for Hajj Financial Management Optimization using Analytic Network Process Approach Erwinda Anggraini Juniastanti; Nirdukita Ratnawati; Acep Riana Jayaprawira; Muhammad Nur Faaiz Fathah Achsani; Zaenal Arief
Global Review of Islamic Economics and Business Vol. 11 No. 2 (2023)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2023.112-07

Abstract

In this research, a liability-driven investment strategy is determined which aims to optimize hajj financial management using the Analytic Network Process approach. Based on the results of Benefit, Opportunity, Cost and Risk (BOCR) approach, it shows that in a liability-driven investment strategy, the benefit (excess) and risk components are the most important factors that investors pay attention to. In determining alternative liability-based investment strategies, there are 2 (two) approaches, either by carrying out portfolio immunization (duration matching) or cash flow matching (cash-flow matching). From these two strategies, it was found that the portfolio immunization strategy was the most suitable strategy to be implemented at BPKH in terms of the return and risk dimensions. Then the strategy is implemented through a portfolio-mix combinations between hedging portfolios and growth portfolios (return generating portfolios), and the most appropriate composition based on the dimensions of returns and risks is the hedging portfolio whose magnitude is above the growth portfolio. It can be said that BPKH can carry out a liability-driven investment strategy through a portfolio immunization strategy that contains a hedging portfolio (such as SBSN and corporate sukuk) that is larger than the growth portfolio (such as KIK EBAS, EBAS-SP, KIK DINFRA, KIK DIRE, Limited Investment Mutual Funds, and Direct Investment and Others). Originality/Value: The novelty of this study is analysing the hajj fund by BPKH in a deeper and specific extent by displaying future liability data.
Analisis Minat Nasabah dalam Penggunaan Mobile Banking Ahmad Nur Budi Utama; Rezki Fitriani; Dian Firdaus; Zaenal Arief; Arnes Yuli Vandika
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6221

Abstract

Penelitian ini menganalisis faktor-faktor yang memengaruhi minat nasabah dalam penggunaan mobile banking, termasuk persepsi kemudahan, persepsi risiko, kepercayaan, dan pengalaman pengguna. Metode penelitian yang digunakan adalah survei dengan sampel 50 nasabah bank konvensional. Hasil analisis menunjukkan bahwa persepsi kemudahan, kepercayaan, dan pengalaman pengguna memiliki pengaruh positif yang signifikan terhadap minat nasabah, sementara persepsi risiko berpengaruh negatif. Persepsi kemudahan mendorong nasabah untuk mencoba dan menggunakan aplikasi mobile banking, sedangkan kepercayaan yang tinggi terhadap bank meningkatkan rasa aman nasabah dalam menggunakan layanan digital. Sebaliknya, persepsi risiko yang terkait dengan keamanan data pribadi menurunkan minat nasabah untuk menggunakan mobile banking. Pengalaman pengguna yang baik, mencakup antarmuka yang mudah dan navigasi yang responsif, juga terbukti meningkatkan keterlibatan nasabah. Temuan ini menunjukkan bahwa bank perlu meningkatkan keamanan, memperbaiki pengalaman pengguna, dan membangun kepercayaan nasabah untuk meningkatkan adopsi mobile banking.
Co-Authors Acep Riana Jayaprawira Arnes Yuli Vandika Dian Firdaus Erwinda Anggraini Juniastanti Muhammad Nur Faaiz Fathah Achsani Nirdukita Ratnawati Rezki Fitriani Utama, Ahmad Nur Budi