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All Journal Mabsya: Jurnal Manajemen Bisnis Syariah JRAP (Jurnal Riset Akuntansi dan Perpajakan)
Ria Viana Praningtyas, Elisabeth
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Economics, Econometrics & Finance Social Sciences

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Sharia Financial Institutions, Synergy, and Their Role in Empowering MSMEs in Badung Regency Setia Utami, Indah; Hidayati, Berlina; Subekti, Rini; Ria Viana Praningtyas, Elisabeth
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 7 No. 1 (2025): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v7i1.13554

Abstract

MSMEs have a very large contribution to the Indonesian economy. The potential for MSMEs development is no exception in Badung Regency as the region with the largest local and international tourist destination in Indonesia. MSMEs are the key to accelerating Indonesia's sharia economy. Synergy and collaboration between various parties are needed to achieve the government's target of making Indonesia the center of the world's halal industry. This research was conducted to determine the role of Sharia Financial Institutions and their synergy efforts with related parties in empowering MSMEs. The research was conducted using a qualitative method to explore in-depth information from various parties using the focus group discussion method. This research is the first research to qualitatively analyze the role and synergy of Sharia Financial Institutions in the development of MSMEs in Badung Regency. The research results show that the role and synergy of sharia financial institutions are not yet optimal, there are various obstacles faced and more massive outreach, collaboration, and synergy efforts with various parties are needed to increase the role of sharia financial institutions in empowering MSMEs. This study concludes that increasing cooperation between Sharia Financial Institutions, the government, and MSMEs is very important, especially in the form of more massive socialization, more in-depth training, and ongoing assistance, to expand market access.
Can the free money transfer system application be considered a breakthrough in financial technology? Subekti, Rini; Ria Viana Praningtyas, Elisabeth; Anggya Agustina, Putu Ayu; Setia Utami, Indah
JRAP (Jurnal Riset Akuntansi dan Perpajakan) Vol. 12 No. 2 (2025): July - December
Publisher : Magister Akuntansi Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35838/

Abstract

Abstract   Purpose:This study analyzes the customer experience of users of a free money transfer application in Indonesia. The application, developed by local innovators, enables users to transfer funds between bank accounts at no cost, representing an important contribution to the national fintech ecosystem. Methodology:The study employs Structural Equation Modeling–Partial Least Squares (SEM-PLS) as the analytical tool. Data were collected from users of the original Indonesia-based application designed to facilitate free money transfers. Findings:The results indicate that Ease of Use, Perceived Value, Customer Support, and Assurance do not significantly influence customer experience in the context of free money transfers. Unlike other fintech platforms, this application shows a different pattern of determinants. Speed and Perceived Firm Innovation emerge as the primary factors shaping customer experience. Implication:The findings may be used to guide the development of strategies to improve customer experience. Developers and policymakers should prioritize enhancements related to service speed and perceived innovativeness, as these represent the most influential factors for users of free-to-use money transfer applications. Originality:This study provides insight into customer experience in a uniquely Indonesian fintech application, offering an alternative perspective compared to studies focusing on commercial or fee-based fintech services. Keywords:Customer Experience; Fintech; Free Money Transfer
Co-Authors Berlina Hidayati Putu Ayu Anggya Agustina Rini Subekti Setia Utami, Indah