scholarly journals ANALISIS PENGARUH MODEL AISAS (ATTENTION, INTEREST, SEARCH, ACTION & SHARE) TERHADAP TINGKAT LITERASI KEUANGAN SYARIAH (STUDI KASUS FOLLOWERS INSTAGRAM PERBANKAN SYARIAH)

2020 ◽  
Vol 5 (2) ◽  
pp. 33-52
Author(s):  
Joni Iskandar ◽  
Mukhamad Najib ◽  
Ahmad Mukhlis Yusuf
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Structural Equation ◽  
Equation Modeling ◽  
Islamic Banking ◽  
Action Variable ◽  
Literature Study ◽  
Literacy Rate ◽  
Positive Effect ◽  
Search Variable

The Financial Services Authority (OJK) states that one of the root causes of the slow growth in the market share of Islamic banking is due to the weak literacy of Indonesian people towards sharia finance. Based on a 2016 National Literacy and Financial Inclusion survey involving 9,680 research respondents from 34 provinces in 64 cities / districts. shows that the national Islamic financial literacy rate is 8.11 percent. While on the other hand, there has been an increase in internet usage among Indonesian people. The research aims to find out how the AISAS model which consists of Attention, Interest, Search, Action and Share affects the level of literacy of Islamic banking in followers of Islamic banking in Indonesia. Research consists of three stages namely literature study. Then a field study was conducted by distributing questionnaires to 183 respondents. The analysis method used is Structural Equation Modeling (SEM) using AMOS software. The results show that (1) Attention variable has a significant and positive effect on the dependent variable, namely interest. (2) Interest variables have a significant and positive effect on the dependent variable, namely search. (3) The search variable has a significant and positive effect on the dependent variable, namely action. (4) The action variable has a significant and positive effect on the dependent variable, which is share. (5) The search variable has a significant and positive effect on the dependent variable, namely Sharia Banking Literacy. (6) The action variable has a significant and positive effect on the dependent variable, namely Sharia Banking Literacy. (7) The share variable does not have a significant effect even though it has a positive value on the dependent variable, namely Sharia Banking Literacy.

scholarly journals The Effect Of E-Marketing With Aisas Model (Attention , Interest, Search, Action , Share) On Investment Decisions In Fintech Syariah

2020 ◽  
Vol 7 (2) ◽  
pp. 47-57
Author(s):  
Adinda Dian Ramadhani ◽  
Abdi Triyanto ◽  
Iqbal Fadli Muhammad
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Structural Equation ◽  
Investment Decisions ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Action Variable ◽  
Search Variable

This study aims to examine the effect of E-marketing with the AISAS model on investment decisions. This research using quantitative research. Data was obtained by distributing online questionnaires to 30 respondents, who had or were investing in registered Islamic Fintechs in the Financial Services Authority (OJK). The sampling technique in this study is purposive sampling, while the Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach is using a data analysis technique. Data is processed using PLS 3.2.8. Based on the results of data analysis, the Attention variable has a significant effect on the Interest variable. Also, the Interest variable has a significant effect on the Search variable. Then, the Search variable has a significant effect on the Action variable, while the Action variable has not a significant effect on the Share variable. The Share variable has not a significant effect on investment decisions.

scholarly journals MODAL INTELEKTUAL DAN KINERJA KEUANGAN : KEUNGGULAN BERSAING SEBAGAI VARIABEL INTERVENING

2021 ◽  
Vol 2 (2) ◽  
pp. 239-258
Author(s):  
Muhammad Fahri Azmi ◽  
Yusralaini Yusralaini ◽  
Rofika Rofika
Keyword(s):  
Financial Performance ◽  
Competitive Advantage ◽  
Financial Services ◽  
Structural Equation ◽  
Negative Influence ◽  
Positive Influence ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Positive Effect

This study aims to see the effect of VACA, VAHU, STVA, and VAIC on financial performance and competitive advantage, as well as the role of competitive advantage in mediating the effect of VACA, VAHU, STVA, and VAIC on financial performance. The population in this study is Islamic commercial banks registered with the financial services authority in 2016-2018. The sample of this research was selected by sampling criteria. Hypothesis testing used in this research is Structural Equation Modeling with Partial Least Square (SEM-PLS) approach and the statistical test tool used is WarpPLS 7.0. The results of this study indicate that VACA has a positive influence on financial performance, VAHU has a negative influence on financial performance while STVA and VAIC do not affect financial performance. Furthermore, this study found that VACA, STVA, and VAIC had a positive effect on competitive advantage and competitive advantage also has a positive effect on financial performance. This research also found that, while VAHU did not affect the competitive advantage that competitive advantage plays a role in mediating the effect of VACA and VAIC on financial performance, whereas competitive advantage does not mediate the effect of VAHU and STVA on financial performance.

scholarly journals The Effect of E-Marketing with the AISAS Model on Shariah Mutual Fund Investment Decisions at Bibit Mutual Fund Fintech

2020 ◽  
Vol 8 (1) ◽  
pp. 28-43
Author(s):  
Iin Mega Nurjanah ◽  
Iqbal Fadli Muhammad ◽  
Muhammad Doddy AB
Keyword(s):  
Data Analysis ◽  
Mutual Fund ◽  
Structural Equation ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Action Variable ◽  
Fund Investment ◽  
Search Variable

This study aims to examine the effect of E-marketing with the AISAS model on mutual fund investment decisions. This research using quantitative research. Data was obtained by distributing online questionnaires to 34 respondents who had or were investing in Bibit Mutual Fund Fintechs that had been registered in the OJK. The sampling technique in this study is purposive sampling, while the Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach is using a data analysis technique. Based on the results of data analysis,  Attention variable has a significant effect on Interest variable, Interest variable has a significant effect on Search variable, Search variable has a significant effect on Action variable, Action variable has a significant effect on Share variable, and Share variable has a significant effect on Investment Decisions. Keywords: E-Marketing; Investment Decision; AISAS Model 

Analysis of Sharia Financial Literature Factors and Planning Behavior Towards Intention to Using Sharia Banking Products During the Covid-19 Pandemic

2021 ◽  
Vol 1 (2) ◽  
pp. 144-158
Author(s):  
Muhammad Alfarizi
Keyword(s):  
Planned Behavior ◽  
Financial Literacy ◽  
Structural Equation ◽  
Behavioral Control ◽  
Subjective Norms ◽  
Equation Modeling ◽  
Islamic Banking ◽  
Intention To Use ◽  
Sampling Techniques ◽  
Business World

The pandemic is a real challenge for the business world, including the banking financial services industry. Islamic banks as public intermediary institutions that have funds with those who need funds are required to be able to carry out their activities amid the threat of exposure to COVID-19. Islamic banking has a strategic role in Indonesia's economic development. This study will examine the Islamic financial literacy of the community and the factors of planned behavior in the intention to use Islamic banking products during the Covid-19 pandemic. The Theory of Planned Behavior (TPB) is included in the variables of this study between the variables of financial literacy and intention to use Islamic banking products. This study uses a quantitative method with PLS-Structural Equation Modeling (SEM). The sampling techniques used in this study use convenience sampling techniques. Findings. The results of this study indicate that Islamic financial literacy influences awareness, public attitudes, subjective norms, and perceptions of behavioral control. In addition, the results of the study also show that awareness, subjective norms, and perceptions of behavioral control influence the intention to use Islamic banking products.

scholarly journals Faktor–Faktor yang Memengaruhi Tingkat Literasi Keuangan Syariah pada Mahasiswa Muslim di Bogor

Al-Muzara ah ◽  
2021 ◽  
Vol 9 (1) ◽  
pp. 1-20
Author(s):  
Amelia Tri Puspita ◽  
Deni Lubis ◽  
Marhamah Muthohharoh
Keyword(s):  
College Students ◽  
Financial Literacy ◽  
Financial Services ◽  
Structural Equation ◽  
Financial Education ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Grade Point ◽  
Muslim Students

The Indonesian Financial Services Authority (OJK) has targeted college students as one of the priority targets of their financial education programs in Indonesia. This research aimed to analyze the level of Islamic financial literacy of college students in Bogor; and analyze the factors that influence their level of Islamic financial literacy. The independent variable used in this study is the score of Islamic financial literacy. While gender, university, Grade Point Average (GPA), sources of information and religiosity are used as the dependent variables. The data analysis is conducted using the descriptive analysis and Structural Equation Modeling Partial Least Square (SEM-PLS). The estimation results showed that the level of Islamic financial literacy towards Muslim students in Bogor is 50.2% and is classified as sufficient literate. The study found that gender and university have positively and significantly influenced the level of Islamic financial literacy of Muslim students in Bogor.

scholarly journals Pemanfaatan Financial Technology bagi Pelaku UMKM Pada Masa New Normal di Provinsi Jambi

2021 ◽  
Vol 5 (1) ◽  
pp. 11
Author(s):  
Edward Edward ◽  
Mohammad Ihsan ◽  
Ade Perdana Siregar
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Equation Modeling ◽  
Positive Contribution ◽  
Significant Positive Effect ◽  
New Normal ◽  
Period 2 ◽  
Normal Period ◽  
Positive Effect ◽  
Financial Technology

The spread of the corona virus does not only have an impact on health but has an impact on the economic sector. Entering the new normal period, health protocols still have to be a concern because the Covid-19 pandemic has not ended. The development of MSMEs can make a positive contribution to the economy. The need for capital is the main reason for MSMEs to sustain their business. Capital is an important factor for business actors in building and developing their business. Knowledge, behavior, attitudes and beliefs about finance play an important role in making decisions, especially decisions about sources of venture capital. The government through regulations regarding financial technology provides solutions to answer the problems of MSME business actors during this new normal period. (1) Assessing the influence of financial literacy on decisions on the use of financial technology during the new normal period; (2) Assessing the influence of financial literacy on business actor confidence; (3) Assessing the influence between the trust of business actors on the decision to use financial technology in the new normal period; (4) Assessing the role of trust in business actors to be able to mediate the effect of financial literacy on decisions on the use of financial technology in the new normal period. The data analysis method used was the measurement of Structural Equation Modeling (SEM) using the SmartPLS software. The results showed that (1) financial literacy showed a significant positive effect on the decision to use financial technology during the new normal period; (2) financial literacy shows a significant positive effect on the trust of business actors; (3) the trust of business actors shows a significant positive effect on the decision to use financial technology during the new normal period; (4) the trust of business actors as a mediator of the effect of financial literacy shows a significant positive effect on decisions to use financial technology in the new normal period

scholarly journals TINGKAT LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY PADA PELAKU USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) KABUPATEN KUNINGAN

2020 ◽  
Vol 5 (2) ◽  
pp. 97-108
Author(s):  
Amir Hamzah ◽  
Dadang Suhardi
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Analysis Method ◽  
Positive Effect ◽  
Financial Technology

The purpose of this study is to examine the level of financial literacy and financial technology of SMEs in Kuningan Regency. The sample of this study were 250 SMEs. Sampling is done by Probability sampling with proportional random sampling technique. The data analysis method with Structural Equation Modeling (SEM). From the results of the study it was found that financial attitude has positive effect on financial technology, financial behavior has positive effect on financial technology, financial knowledge has  positive effect on financial technology, financial technology has positive effect on financial inclusion.Thus, in order to achieve the level of financial literacy and financial technology in SMEs increases, SMEs must pay attention to the level of financial attitude, financial behavior, financial knowledge, financial technology so that SMEs financial inclusion also increases.

scholarly journals The Effect of Financial Knowledge on Financial Literacy with Mediated by Financial Behavior in Society of Palembang City South Sumatera

2019 ◽  
Vol 9 (3) ◽  
pp. 421
Author(s):  
YULIANI YULIANI
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Structural Equation ◽  
Measurement Data ◽  
Well Being ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Indirect Influence

The Indonesian financial literacy index is still very low. This low index makes the government through the Financial Services Authority (OJK) make a strategy contained in the Indonesian National Financial Literacy Strategy or SNLKI (Revisit 2017). The strategy is expected that the Indonesian people have the knowledge and skills and beliefs that are reflected in attitudes and behaviors regarding financial management and are able to take quality financial decisions for Financial Well Being. The research objective is to analyze the direct effect of financial knowledge on financial literacy. Analyzing the indirect influence of financial behavior as a mediator of the effect of financial knowledge on financial literacy. Non-probability of purposive sampling technique as many as 105 respondents. Data collection conducted in May-June 2019. The data used is primary using the research instrument in the form of a questionnaire with a 5-point Likert scale measurement. Data was collected by distributing questionnaires both directly and online questionnaires through a Google questionnaire. Data analysis techniques are descriptive and inferential. Inferential testing using Structural Equation Modeling (SEM). The research findings are that there is a direct influence of financial knowledge on financial literacy. The indirect influence of financial behavior on financial literacy is not significant so financial behavior is not mediation.

scholarly journals Analysis of the Effect of Financial Literacy, Practicality and Consumer Lifestyle on the Use of Chip-Based Electronic Money Using SEM

2021 ◽  
Vol 14 (1) ◽  
pp. 32
Author(s):  
Bob Foster ◽  
Sukono ◽  
Muhamad Deni Johansyah
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Primary Data ◽  
Equation Modeling ◽  
Consumer Decision Making ◽  
Significant Positive Effect ◽  
Electronic Money ◽  
Study Results ◽  
Consumer Lifestyles ◽  
Positive Effect

Industry 4.0 trends have a significant influence on the acceleration of technology in Indonesia. The development of financial technology has shifted conventional transactions to electronic money as a means of payment with a digital system. Electronic money users in Indonesia continue to grow, while several factors affect consumer decision making to use electronic money. This study aims to analyze the effect of financial literacy, practicality, and consumer lifestyle on consumer interest in using chip-based electronic money. This research uses a quantitative approach with primary data obtained through questionnaires to chip-based electronic money users. The analytical method used is Structural Equation Modeling (SEM) to verify the factors that determine the indicators of the findings of interest in the use of chip-based electronic money. The study results indicate that: (a) Financial literacy has a significant positive effect on interest in using chip-based electronic money by 14.6%; (b) Financial literacy has a significant positive effect on practicality in the use of chip-based electronic money by 51.8%; (c) Practicality in the use of chip-based electronic money has a significant positive effect on consumer lifestyles by 71.3%; (d) Practicality has a significant positive effect on the use of chip-based electronic money by 25%; and (e) Consumer lifestyle has a significant positive effect on the use of chip-based electronic money by 52.8%. The study results imply that it can be used as a consideration for making monetary policy in Indonesia, dealing with the rapid growth in the use of chip-based electronic money.

Retail Islamic banking and financial services

2019 ◽  
Vol 10 (1) ◽  
pp. 168-190 ◽  
Author(s):  
Brian Arthur Zinser
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Discriminant Validity ◽  
Behavioral Control ◽  
Equation Modeling ◽  
Islamic Banking ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Positive Attitudes ◽  
The Usa

Purpose The purpose of this study is to identify the determinants of the intended use of Islamic banking and financial services by US Muslims. It builds on the plethora of studies primarily conducted in Muslim-majority countries. Design/methodology/approach An extended theory of planned behavior model was tested using structural equation modeling. The hypothesized paths were positive attitude, positive subject norms, perceived behavioral control, greater Islamic religiosity and lower perceived cost of being Muslim. A sample size of n = 251 was analyzed. Findings The analysis showed that positive attitudes toward Islamic financial services were found to be statistically significant (p < 0.001), and its path was the strongest. The higher Muslim identification path was trending toward being statistically significant (p < 0.086). The analysis also showed that lower perceived cost of being Muslim path was statistically significant (p < 0.035), but in the opposite hypothesized direction. No support was found for the effect of positive subjective norms or perceived behavior control hypotheses. Research limitations/implications The study was exploratory in nature and has limitations, including some discriminant validity problems. Practical implications The paper includes recommendations for US Islamic banking and financial services providers to develop more effective market segmentation and targeting, as well as integrated marketing communication strategies. Originality/value This paper fulfills a void in research on Islamic marketing in the West, particularly the USA, a country with a nominal Muslim population.

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