Garuda - Garba Rujukan Digital

Relationship between Customer Experience and Digital Islamic-Only Banks: A Serial Mediation of Brand Trust and Brand Equity Febriyanto, Ahmad; Taqiyyudin, Moh Shadam; Khoirunnisa, Annes Nisrina
El Barka: Journal of Islamic Economics and Business Vol. 6 No. 2 (2023)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i2.7097

The main objective of this study is to investigate the construction of customer experience, trust, and brand equity in the relationships between Islamic Digital-Only Banks. This model aims to provide a solution to the problems faced by Islamic banking. The study utilized a sample of 262 respondents, who were given an online questionnaire for data collection. The research sample was selected using a convenience sampling approach and specifically focused on consumers of Islamic Digital-Only Banks in Central Java and the Special Region of Yogyakarta. The collected data were analyzed using the partial least squares structural equation modelling (SEM-PLS) method. The findings indicate that the process of creating trust in Islamic Digital-Only Banks brands through the provided customer experience acts as a precursor to enhancing brand equity. Consequently, this can contribute to fostering customer loyalty. Therefore, it is of utmost importance for Islamic Digital-Only Banks in Indonesia to prioritize delivering exceptional customer experiences. Key features such as simplicity in various processes and the company's promptness in resolving customer issues can serve as critical factors in building customer loyalty.

Determinant of Indonesian Customers Intention to Use Islamic Life Insurance: Theory of Planned Behavior Approach Khilmi, Slamet; Sunarsih, Sunarsih; Febriyanto, Ahmad; Yusro, Salma Nafisah Zulfa
EkBis: Jurnal Ekonomi dan Bisnis Vol. 8 No. 1 (2024): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2024.8.1.2177

This research aims to determine the determinants of intention to use Sharia life insurance among Muslims in Indonesia. The total sample size in this study reached 101 participants, determined using the convenience sampling technique. The data analysis technique employed in this research adopts partial least square structural equation modelling (PLS-SEM) using SmartPLS 3.0 software. The findings of this study indicate that the intention to use Sharia life insurance is determined by attitude and perceived behavioral control. However, religiosity was not found to mediate the relationship between attitude, perceived behavioral control, and subjective norm in relation to the intention to use Takaful. This research also provides recommendations for Sharia life insurance companies in Indonesia to enhance their products and services, aiming to foster a positive perception among the Muslim community towards Sharia life insurance.

The Trigger of SMEs Performance: Considering Islamic Financial Literacy, Financial Access, and Technical Support Abdillah, Aldi Reza; Febriyanto, Ahmad
JURNAL EKONOMI SYARIAH Vol 9, No 2 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i2.12911

Introduction to The Problem: MSMEs are crucial for economic growth and job creation, but they face challenges like limited financial literacy, access to capital, and inadequate management systems. Despite resilience during crises, many struggle with financial management and growth. A multifaceted approach involving financial education, access to finance, and infrastructure is essential to fully harness their potential.Purpose/Objective Study: This research aims to analyze the influence of Islamic financial literacy, access to Islamic financial institutions, management control systems, and technical support on the performance of MSMEs Design/Methodology/Approach: The sample selection for this research uses purposive sampling which resulted in a sample of 115 respondents domiciled in the Pangkah District, Tegal Regency. This research is a quantitative study. Primary data were obtained through questionnaires, and the analysis method used was multiple linear regression. Panel data tested using SPSS.Findings: The results show that Islamic financial literacy, management control systems, and technical support have a positive and significant effect on MSMEs' performance, while access to Islamic financial institutions does not affect MSMEs' performance.

CBDC ADOPTION: ALIGNING MODEL TECHNOSTRESS INHIBITORS AND PERCEIVED VALUE AMONG INDONESIAN GENERATION Z Febriyanto, Ahmad; Adenia, Niniek; Annabila, Isfiya; Yusfiarto, Rizaldi
Journal of Central Banking Law and Institutions Vol. 4 No. 1 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v4i1.258

In recent years, central banks have been left scrambling to respond to the increase in Cryptocurrency transactions by establishing legitimate digital currencies called Central Bank Digital Currency (CBDC). The success of CBDC programmes will be closely tied to the public interest in adopting CBDC. Given the emerging influence of those born into what is commonly known as Generation Z, this research involved 329 Indonesians identifying as Generation Z to determine factors affecting the adoption of Indonesian CBDC. All data were analysed using Structural Equation Modelling Partial Least Square (SEM-PLS). The results show that the main determinants driving Generation Z’s interest in adopting CBDC are perceived value (epistemic, monetary, and convenience value) and general trust. Technostress inhibitors (facilitation of literacy and engagement facilitation) tended to influence Generation Z’s trust. General trust in this study also shows a partial moderating effect in the relationship between perceived value and intention to use CBDC and a full moderation effect on the relationship between technostress inhibitors and intention to use CBDC. The findings of this study provide advice to Bank Indonesia on how to increase the usefulness of CBDC related to monetary value and the value derived from the ease of use of CBDC to maintain public trust and increase public interest.

Relationship between Customer Experience and Digital Islamic-Only Banks: A Serial Mediation of Brand Trust and Brand Equity Febriyanto, Ahmad; Taqiyyudin, Moh Shadam; Khoirunnisa, Annes Nisrina
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 2 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i2.7097

The main objective of this study is to investigate the construction of customer experience, trust, and brand equity in the relationships between Islamic Digital-Only Banks. This model aims to provide a solution to the problems faced by Islamic banking. The study utilized a sample of 262 respondents, who were given an online questionnaire for data collection. The research sample was selected using a convenience sampling approach and specifically focused on consumers of Islamic Digital-Only Banks in Central Java and the Special Region of Yogyakarta. The collected data were analyzed using the partial least squares structural equation modelling (SEM-PLS) method. The findings indicate that the process of creating trust in Islamic Digital-Only Banks brands through the provided customer experience acts as a precursor to enhancing brand equity. Consequently, this can contribute to fostering customer loyalty. Therefore, it is of utmost importance for Islamic Digital-Only Banks in Indonesia to prioritize delivering exceptional customer experiences. Key features such as simplicity in various processes and the company's promptness in resolving customer issues can serve as critical factors in building customer loyalty.

Extending of TAM Model in E-Filing Adoption Purwo Saputro, Edy; Candra Kusuma Wardana; Probowati Setyaningrum, Dewi; Febriyanto, Ahmad
Riset Akuntansi dan Keuangan Indonesia Vol. 10 No. 1 (2025): Riset Akuntansi dan Keuangan Indonesia
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/reaksi.v10i1.8357

Digitalization and modernization supported by the development of the internet provide important value for the tax sector and taxpayers. This not only affects awareness and compliance but also its relevance to state revenue. Therefore, commitment to the adoption of e-filing is important. The purpose of this research is to examine the effect of taxpayer attitudes on e-filing adoption intentions using an extended TAM theoretical model by adding variables of perceived risk and government support. The novelty of this research is the expansion of the TAM model by adding these variables, especially for the government support variable which is still rarely done in poor developing countries, while government support is important to support e-filing regulations. The research involved 300 taxpayers with SEM-PLS analysis tools. The results show that all hypotheses are proven so that it is in the interest of competent parties to build a positive attitude of taxpayers towards e-filing which affects the intention to adopt e-filing. This confirms that the adoption of e-filing has an influence on tax revenue. On the one hand, limitations in the scope of respondents and observation settings are an opportunity for further research expansion so that it can provide better generalization of results.

Development of Disadcantaged, Frontier, and Outermost Villages in Manokwari Febriyanto, Ahmad
Journal of Community Service and Rural Development Vol. 1 No. 2 (2024): Juni
Publisher : Business Finence Analyst Co.,

Show Abstract | Download Original | Original Source | Check in Google Scholar

Research related to the development of Disadvantaged, Frontier, and Outermost (3T) villages needs to be improved in Indonesia. Espicially in Manokwari Regency with IDM status that still has underdeveloped and very underdeveloped villages. This research was conducted by examining the literature related to the development of underdeveloped villages. The findings show that APBD and village funds can play a role in improving the development of underdeveloped villages, accompanied by alignment of fund allocation and reduction of potential human error. In addition,domestic investment and foreign investment can also play role in improving village development, accompanied by the establishment of strict regulations and supervision of the investment process from upstream to downstream. It is expected that APBD, village funds, domestic investment, and foreign investment can play a role in changing the status of underdeveloped and very underdeveloped villages in Manokwari Regency into independent villages.

From Social Trust to Halal Industry Dynamic: The Synergy of Islamic Social Capital and Financial Capability in Small Enterprises Sectors Afdawaiza, Afdawaiza; Yusfiarto, Rizaldi; Pambekti, Galuh Tri; Al Ghunaimi, Hisham; Febriyanto, Ahmad
Mazahib Vol 24 No 2 (2025): VOLUME 24, ISSUE 2, 2025
Publisher : Fakultas Syariah UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/mj.v24i2.11318

This study aims to examine the determinants of performance in Halal micro, small, and medium enterprises (MSMEs) by positioning Islamic Social Capital (ISC) as the primary explanatory construct. To provide a more comprehensive framework, Islamic Financial Literacy (IFL) and Islamic Financial Inclusion (IFI) are integrated into the model to capture the knowledge and financial accessibility dimensions essential for Halal MSME development. A quantitative approach was employed, utilizing partial least squares structural equation modeling (PLS-SEM) on survey data from 242 Muslim-owned Halal MSMEs in Indonesia. The results reveal that ISC significantly enhances IFL, which in turn promotes IFI and ultimately strengthens MSME performance. These findings highlight the pivotal role of cohesive and ethically grounded social networks in facilitating financial literacy and access to Sharia-compliant financial services. The novelty of this study lies in integrating ISC with IFL and IFI within a single model, a relationship that has not been comprehensively explored in prior research. By bridging Islamic social capital with financial capability from an Islamic legal-ethical perspective, this study contributes new insights into how community-based mechanisms can drive the growth and resilience of Halal MSMEs.

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