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Journal of Business Management and Islamic Banking
Published by Universitas Islam Negeri Sunan Kalijaga Yogyakarta
ISSN : ""     EISSN : 29642787     DOI : 10.14421/jbmib
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education
Journal of Business Management and Islamic Banking (JBMIB) is an international journal which is published by the Department of Islamic Banking, Faculty of Islamic Economics and Business, State Islamic University (UIN) Sunan Kalijaga. This journal is designed to provide a forum for researchers/academicians and also practitioners who are interested in knowledge and in discussing ideas, issues, and challenges in the field of Islamic economics and business, Islamic finance, Islamic banking, management human resources and marketing management. In addition, this journal can contribute to solve the problem of the ummah, gap between theory and practice, etc.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 50 Documents
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The Influence of Perceived Usefulness, Perceived Ease of Use, and Perceived Enjoyment on Customer Intentions to Move From Non-Digital Banks to Digital Banks Hidayat, Farid
Journal of Business Management and Islamic Banking Vol. 2 No. 1 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2023.0201-04

Abstract

Research Aims: The digital bank system is relatively new at this time, and the development of digital banks is growing significantly, both in terms of the number of digital banks and their customers. The technology system used is relatively new. There are various advantages of digital banks, but digital banks can generally make them more efficient. This study aims to determine the influence of perceived usefulness, perceived ease of use, and perceived enjoyment on customer intentions to move from non-digital banks to digital banks Methodology: The sampling technique of this study used purposive sampling, with a total of 170 respondents. Research Findings: The results of this study show that the variables perceived usefulness, perceived ease of use, and perceived enjoyment directly affect customer intentions to move from non-digital banks to digital banks.
Evolving Service Innovation for The Late-mover Industry: The Case of Islamic Banking Pertiwi, Ruspita Rani
Journal of Business Management and Islamic Banking Vol. 2 No. 1 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2023.0201-05

Abstract

Research Aims: This paper examines how Islamic banking in Indonesia, as a late-mover industry, evolves service innovation to attract customers and compete with already established conventional banking.  Design/methodology/approach: This qualitative research examines Indonesian Islamic Banking as a case study. This study involves two stages: investigating the case in-depth, detail, and context analysis using secondary data from various sources and in-depth interviews with stakeholders. Triangulation was employed to validate the entire result using various methods and data source triangulation. Research Findings: This research reveals that the development of service innovation in late movers is influenced by the sort of industry, the goals and values of the new industry's establishment, the resources owned, and market characteristics. While the dimensions of service innovation developed by late movers typically focus on new value systems, they emphasise value; meanwhile, in terms of technical or working models of the innovation, they tend to replicate or modify from first movers.
The Influence of Hr Information Systems, Competence, and Work Discipline on Work Productivity Post-Merger Bank Syariah Indonesia: (Branch Mataram Pajenggik 1) Septianingsih, Harum; Saibil, Defi Insani
Journal of Business Management and Islamic Banking Vol. 2 No. 1 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2023.0201-03

Abstract

Research Aims: HR information systems, competencies, and work discipline are the independent variables while work productivity is the dependent variable used. Methodology: The case studies that became the research population were employees of Bank Syariah Indonesia Mataram Pejanggik 1 Branch Office. This research is a quantitative research with saturated sampling technique used in determining the sample. The distribution of respondents obtained was 40 filled out questionnaires. Data analysis method with IBM SPSS 26 because it uses multiple linear regression analysis. Research Findings: The results of this study were obtained   simultaneously from the three variables influencing employee work productivity. Meanwhile, if partially obtained the results of information system variables, and work discipline have a positive and significant effect on work productivity. But the competency variable partially has no positive and significant effect on employee work productivity. The results of this study are that Bank Syariah Indonesia Pejanggik 1 Branch has implemented an HR information system that is accurate and clear, as well as good work discipline, even though there are still employees who are not competent in their fields.
Analisis Persepsi Generasi Z Terhadap Investasi Berbasis ESG (Enviromental, Social, and Governance) di Jakarta Islamic Index Azhar, Jeihan Ali; Nada Cantika Putri Kadua; Rizki Dwi Safitri
Journal of Business Management and Islamic Banking Vol. 2 No. 1 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2023.0201-06

Abstract

Research aims: Penelitian ini bertujuan untuk mengetahui faktor yang memengaruhi minat berinvestasi berbasis Environmental, Social, and Governance (ESG) di Indeks Jakarta Islamic Index (JII). Penelitian ini mengadopsi teori UTAUT dengan model SEM PLS. Design/Methodology/approch: Metode pengumpulan data adalah survei menggunakan penyebaran kuesioner dengan pertanyaan tertutup. Jumlah responden dalam penelitian ini sebanyak 134 responden. Teknik pengambilan sampel menggunakan metode non-probability sampling dengan menerapkan purposive sampling. Teknik analisis data menggunakan SEM-PLS dan aplikasi SPSS 25. Research findings: Hasil penelitian ini menunjukkan bahwa financial literacy, subjective norm, dan atittude berpengaruh signifikan terhadap minat investasi berbasis Environmental, Social, dan Governance (ESG). Namun religiusitas tidak tidak berhasil memoderasi minat gen z berinvestasi di Indeks Jakarta Islamic Index (JII). Research limitation and implication: Implikasi dari penelitian ini diharapkan dapat menjadi masukan bagi industri pasar modal syariah untuk meningkatkan pelayanan dan langkah untuk menguatkan keuangan syariah khususnya pasar modal untuk memajukan perekonomian nasional dalam menyongsong Indonesia Emas 2045.
Students' Interest in Using SIPINTAR Savings Products from PT. Kerinci Community Development Cooperative Bank: A Review of Promotion and Service Quality Sarmigi, Elex; Fitria, Sri; Wahyuni, Endah Sri; Desiana, Desiana; Ashari, Annisa Diyah
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i2.1967

Abstract

Research Aims: The purpose of this study was to determine the effect of promotion and service quality on students' interest in choosing SIPINTAR products at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. Methodology: This study uses a quantitative research design with a survey approach. The research sample was 60 students in Kerinci Regency while the sampling technique was the convenience sampling method. The data analysis technique used multiple linear analysis, while the hypothesis testing used the statistical t test and F test with the help of the IBM SPSS 26 application. Research Findings: The results of this study found that partially promotion had a positive and significant effect on students' interest in using SIPINTAR products, while service quality had no effect on students' interest in using SIPINTAR PT. Kerinci Development People's Credit Bank. The results of the F test show that promotion and service quality simultaneously have a significant effect on using PT. SIPINTAR products. Kerinci Development People's Credit Bank, with the magnitude of this influence, namely 20.6%. Theoretical Contribution: This research is beneficial for the development of the banking business, especially for regional banks. Research limitation and implication: This study has limitations, namely only examining promotion factors and service quality in influencing the intention to save. However, the results of this study provide information that promotion is a factor in forming interest in using banking products.
Analysis of the Effect of Experiential Marketing on Customer Loyalty Using Customer Satisfaction as a Intervening Variables Muhammad Idham Khalid; Setyono, Joko Setyono
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i2.2015

Abstract

Research Aims: This research aims to find the influence of experiential marketing, namely sense, feel, think, act, and relate marketing, on customer loyalty at PT. Bank Syariah Indonesia, using satisfaction customer as variable. Methodology: This research is quantitative with a causality study. The sample is composed of 127 customers from Bank Syariah Indonesia. This research uses non-probability sampling as a sampling technique with purposive sampling and a questionnaire with a Likert scale as a data collection technique. As well as using SmartPLS 3.0 software for analysing data using structural equation modelling (SEM). Research Findings: The research reveals that sense and relate variables significantly impact customer satisfaction, while feel, think, and act variables do not. Act has a positive impact on customer loyalty, but other variables have no significant effect. The relationship between satisfaction and loyalty is not significant, and satisfaction cannot mediate the relationship between experiential marketing and customer loyalty. Originalitity: This research details the elements of experiential marketing, such as sense, feel, think, act, and relate, and evaluates their impact on customer satisfaction and customer loyalty Implication: Customer satisfaction can be a critical factor in connecting customer experience to the level of loyalty
Intention of Generation-Z for Switching to Islamic Banks In Banten Province A Push-Pull Mooring Approach Pramudya, Aji Kukuh; Zaelina, Fitri
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i02.2028

Abstract

Research Aims: The purpose of this research is to understand the interest of Generation Z in switching behavior to Islamic banks based on the Push Pull Mooring (PPM) theory. Methodology: The method used in this research is quantitative and the population taken as a sample is Generation Z in Banten Province. The hypothesis in this research is tested using Structural Equation Modelling (SEM) and the SmartPLS 3.0 application, with a sample size of 184 respondents taken using purposive sampling method. Research Findings: The results of the research show that the push and pull factors have a positive and significant effect on switching intention, while the mooring factors do not have an effect on switching intention. Theoretical Contribution/Originalitity: The research focuses on Generation Z in Banten Province, and the findings may not be generalized to other regions or age groups. Additionally, the study relies on self-reported data, which may be subject to respondent bias. Implication: Sharia banks must take the opportunity to develop and offer services that are more in line with religious values and can focus on developing products and services that meet sharia standards and prioritize Islamic ethical values to attract more customers.
Does Financial Literacy Influence Houswife Intention To Use The Islamic Financing? With Trust As A Moderating Variable Annisa Nur Salam; Siti Nur Azizah
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i2.2069

Abstract

Research Aims: This study aims to analyze the effect financial literacy on the houswife intention to use islamic financing with trust as a moderating variable. Methodology: This study involved 358 housewife respondent in 32 Indonesian provinces. The model used was based on the theory of reasoned action development with the partial least squares structural equation modeling as the data processing tool. Research Findings : Housewives' financial literacy influences mothers' intentions to use Islamic bank financing products. Originality: Although numerous studies have concentrated on financial literacy and the use of sharia financing, the behaviour of houswife and the high number of housewife loans to informal institutions concern academics and practitioners. This research can highlight the importance of financial literacy for housewives can avoid applying for loans to informal institutions, so sharia financing can be a suitable alternative. Research limitation and implication: The study discovered that financial literacy with variabel ability, attitude and knowledge affect the intention of houswife to use the Islamic financing. Meanwhile, the trust variable failed to moderate the housewife's ability to use Islamic financing. The trust variable was not successful in moderating the attitude and knowledge of the housewife to use Islamic financing. Meanwhile the trust variable significantly moderates the attitude towards the financing variable with a significance
The Measurement of Efficiency and Productivity of Small Banks Comparative Study in Central Java and Yogyakarta Herindar, Evania; Ikha Nur Syamsiyah
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i2.2071

Abstract

Research Aims: The purpose of this study was to determine the effect of promotion and service quality on students' interest in choosing SIPINTAR products at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. Methodology: This study uses a quantitative research design with a survey approach. The research sample was 60 students in Kerinci Regency while the sampling technique was the convenience sampling method. The data analysis technique used multiple linear analysis, while the hypothesis testing used the statistical t test and F test with the help of the IBM SPSS 26 application. Research Findings: The results of this study found that partially promotion had a positive and significant effect on students' interest in using SIPINTAR products, while service quality had no effect on students' interest in using SIPINTAR PT. Kerinci Development People's Credit Bank. The results of the F test show that promotion and service quality simultaneously have a significant effect on using PT. SIPINTAR products. Kerinci Development People's Credit Bank, with the magnitude of this influence, namely 20.6%. Theoretical Contribution: This research is beneficial for the development of the banking business, especially for regional banks. Research limitation and implication: This study has limitations, namely only examining promotion factors and service quality in influencing the intention to save. However, the results of this study provide information that promotion is a factor in forming interest in using banking products.
Does Diversification and Restructuring Reduce Non-Performing Financing? Linda Meilani; Hasanah Listiyanti; Rizki Dwi Safitri; Hamas Mahfudz El-fath
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i2.2072

Abstract

Research Aims: This research aims to identify the influence of MSMEs and non-MSMEs financing diversification, as well as financing restructuring, on non-performing financing (NPF). Methodology: This study utilizes a quantitative research method with secondary data, including Asset Quality Reports and Financial Ratio Reports accessed through the Financial Services Authority (OJK) from 2018 to 2022 for 10 Islamic commercial banks in Indonesia on a quarterly basis. Non-Probability Sampling was used as the sampling technique, and data analysis was conducted using panel regression with the Fixed Effect Model through Eviews 12 software. Research Findings: The empirical results indicate that both MSMEs and non-MSMEs credit diversification do not have a significant impact on reducing credit risk in Islamic banks in Indonesia. However, restructuring has an impact on non-performing financing in Islamic banks in Indonesia. Theoretical Contribution: This study contributes to the literature by examining the relationship between diversification of MSME and non-MSME financing and financing restructuring. With this research, it is hoped that Islamic banks will pay more attention to minimizing problematic financing to maintain the stability of their financial performance. Research limitation and implication: In practical terms, these findings suggest that policymakers may consider implementing a concentration strategy for financing in specific sectors. If diversification is to be continued, further policy adjustments may be necessary.

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