This study investigates whether personality and grit affect the Organizational Citizenship Behavior (OCB) and if so, whether this relationship is mediated by job involvement or not. This study was a ...survey at the Industrial Vocational Higher Education of the Ministry of Industry in Indonesia in 2018, with a sample of 217 of lecturers. Data collected by using the questionnaire and analyzed by PLS Model with single-mediator. This research reveals that personality and grit have a positive direct effect on the organizational citizenship behavior. The influence of personality on organizational citizenship behavior is partially mediated by job involvement, but job involvement does not mediate the influence of grit on organizational citizenship behavior. Theoritically, the study extends the current theory by exploring grit as an important predictor that influences organizational citizenship behavior and this relationship is not mediated by job involvement.
PurposeThis study aims to examine the impact of Islamic consumer behavior on the potential demand for Islamic banking by using the Islamic religiosity approach. By classifying the potential demand ...into the high, middle and low categories, this study attempts to examine whether the level of potential demand is influenced by aspects of social, cultural, psychological and personal considerations.Design/methodology/approachThis research was a quantitative study based on a survey on 18 regions in West Sumatera, Indonesia in 2019. Data were collected from 1818 respondents and analyzed by using multinomial logistic regression.FindingsThe findings reveal that the increasing factor of social and personal causes the tendency of the community to be in the high potential group as an Islamic bank customer by 1,661 times and 1,592 times as compared to in the low potential group. Psychological aspects also increase the probability of the community being in the medium demand potential as an Islamic bank customer.Research limitations/implicationsAlthough this study has attempted to elaborate on the consumers’ behavior variable with an Islamic religiosity perspective, theoretically this concept is not yet well established and still requires many applications in future research. Future studies are expected to enrich this analysis by examining more cases with communities that have different socio-demographic characteristics. This study also limits the exogenous variables used as predictors.Practical implicationsThis study aims to assist managers of Islamic banks to formulate strategies for developing Islamic banks based on Islamic consumer behavior because the facts showed that understanding of Islamic law and religious education in the family, Islamic lifestyle and also religious beliefs affected the potential demand for Islamic banks.Social implicationsFrom a policy perspective, this finding can be a consideration for Islamic banks, that the expansion of the market share of Islamic banks will be more appropriately directed to Muslim groups with indications of high adherence to Islamic values, those with Islamic lifestyles, and the Muslim community groups with Islamic understanding backgrounds and good religious education.Originality/valueThis study measures the impact of Islamic religiosity on the probability of people being in the high, medium or low potential group in adopting Islamic bank services, and these findings are important in the development of Islamic banking in Muslim-majority countries.
Although social performance is an important target in islamic rural bank, this performance is constrained by various factors of commercialization. This study examined the impact of commercialization ...factors covering profitability, regulation, and competition on the social performance of rural bank. This research was quantitative that based on a survey on fifty units of rural banks in West Sumatera province of Indonesia from 2016 to 2018. The secondary data collected from the publication of financial services authority and other financial documents at rural banks then analyzed with panel data regression. The findings of this research showed that profitability and competition influenced the social performance, meanwhile regulation could not predict the achievement of social performance. This finding reinforced the previous studies which identified the impact of some commercialization indicators towards the achievement of social performance but there was no regulation’s impact on social performance. The impact of regulation which was originally expected to be able to strengthen the social responsibility mission of rural banks evidently did not stimulate the increase of social performance.
Competition in the Islamic banking industry is tight, so the competence of Islamic banking human resources must increase. This needs to be done to increase the lack of resources who have studied and ...received good education and training, but when they return due to unfavorable environmental factors, the results of education and research be wasted.
This study aims to determine the effect of Intellectual Capital on Financial Performance in Islamic People's Financing Banks (BPRS) in Indonesia with the Value Added Intellectual Capital (VAIC) Model. There is research data using monthly time series data taken in the 2016-2020 period. Data analysis technique uses PLS (Partial Least Square) with processing using Warp-PLS 7.0 Software.
The test results using the SEM-PLS approach show that Intellectual capital IB-VACA has a positive and significant effect on the financial performance of Indonesian Islamic banking. By obtaining a path coefficient value of 0.482 with a p value of P
This research is motivated by the existence of phenomena that occur that are not in accordance with existing theories and the existence of inconsistent previous research. This study aims to determine ...the effect of Murabahah Financing, Musyarakah Financing and Mudharabah Financing on the Profitability of Islamic People's Financing Banks in Indonesia with Non-Performing Financing as a moderating variable for the 2017-2020 period. This study uses a quantitative approach. The data in this study used monthly time series data from 2017-2020 obtained from SPS OJK and analyzed using the PLS (Partial Least Square) analysis technique via Warp-PLS version 7.0. The results of the research on the first model (the effect of murabahah financing on bank profitability with NPF as a moderating variable) show that murabaha financing has a significant positive effect on bank profitability (ROA) by obtaining a sign p-value
As a community banking operating in Islamic principles, Islamic rural banks are faced with two performance targets namely financial performance and social performance which are both interrelated. ...This study examined the impact of commercialization factors covering profitability, regulation, and competition on the social performance of Islamic rural banks. This study was quantitative research based on a survey on six units of Islamic rural banks in West Sumatera province of Indonesia from 2012 to 2018. Data collected from the publication of financial services authority and other financial documents at Islamic rural banks then analyzed with panel data regression. The findings of this research showed that profitability and competition influenced social performance. Meanwhile, there was no regulation’s impact on social performance. Regulatory factors that were initially expected to strengthen the social responsibility mission of Islamic rural banks, did not stimulate the increase of social performance. This study reveals the importance of the commercialization factor in improving the social performance of Islamic rural banks by increasing the social benefits through providing financial services for the low-income Muslim community.
Sebagai sebuah community banking yang beroperasi dalam prinsip-prinsip Islam, BPR Syariah dihadapkan pada dua target kinerja yaitu kinerja keuangan dan kinerja sosial yang keduanya saling terkait. Penelitian ini bertujuan untuk menguji dampak dari faktor-faktor komersialisasi yang meliputi profitabilitas, regulasi dan kompetisi terhadap kinerja sosial BPR Syariah. Penelitian ini menggunakan pendekatan kuantitatif berdasarkan survei pada enam unit BPR Syariah di provinsi Sumatera Barat Indonesia dari tahun 2012 hingga 2018. Data dikumpulkan dari publikasi Otoritas Jasa Keuangan dan dokumen keuangan lainnya di BPR Syariah kemudian dianalisis dengan regresi data panel. Hasil penelitian ini menunjukkan bahwa profitabilitas dan persaingan berpengaruh terhadap kinerja sosial, sedangkan regulasi tidak berpengaruh terhadap kinerja sosial. Faktor regulasi yang semula diharapkan memperkuat misi tanggung jawab sosial BPR syariah, ternyata tidak merangsang peningkatan kinerja sosial. Studi ini mengungkap akan pentingnya faktor komersialisasi dalam meningkatkan kinerja sosial BPR syariah dengan meningkatkan manfaat sosial melalui pemberian layanan keuangan untuk masyarakat muslim berpenghasilan rendah.
Islamic Rural Banking (populer as BPRS in Indonesia) is a kind of banking which conducts finance and loan especially in rural area. This monetary institution focuses to main function as a bank which ...gives the service to small and micro enterprises and based on Islamic principles in their operational system. By providing the fund to productive sectors, the economics will be tough and more competitive. That is why, this rural bank is also called “community bank”. In supporting financial inclusion -a concept where each person has a full access to monetary service, with competitive cost, convenience and prestige- the contribution of these community banks have really existed. On the other hand, the optimalization of this contribution process constraints to many things that covers internal and external problem. The finding of research recommends some strategies to improve the role of community bank in supporting financial inclusion in rural area, such as: reinforcement in regulation’s strategy, socialization’s strategy, competition’s strategy and human resource’s strategy
Islamic Rural Banking (populer digunakan sebagai BPRS di Indonesia) adalah jenis perbankan yang melakukan pembiayaan dan pinjaman terutama di daerah pedesaan. Lembaga keuangan ini berfokus pada fungsi utama sebagai bank yang memberikan layanan untuk usaha kecil dan mikro dan berdasarkan prinsip-prinsip Islam dalam sistem operasional mereka. Dengan memberikan dana ke sektor produktif, ekonomi akan sulit dan lebih kompetitif. Itu sebabnya, BPR ini juga disebut "Bank masyarakat". Dalam mendukung inklusi keuangan, konsep di mana setiap orang memiliki akses penuh ke layanan keuangan, dengan biaya yang kompetitif, kemudahan dan prestige- kontribusi bank komunitas ini telah benar-benar ada. Di sisi lain, optimalisasi kontribusi ini kendala proses untuk banyak hal yang mencakup masalah internal dan eksternal. Temuan penelitian merekomendasikan beberapa strategi untuk meningkatkan peran bank masyarakat dalam mendukung inklusi keuangan di daerah pedesaan, seperti: penguatan dalam strategi regulasi, strategi sosialisasi, strategi persaingan dan strategi sumber daya manusia.
The aim of the research is to analyze the effect of food composition and halal awareness on the intention to buy fast food with halal certificates as an intervening variable, research in the city of ...Bukittinggi, the research object of the millennial generation who likes to consume fast food. The population of the Millennial generation aged 15-39 years is 57,099. Non-probability sampling technique, purposive sampling method. The sampling method is the Hair et.al method, the research indicators are 11, the sample is set at 110. The data is processed using the Smart PLS Software. The results of the study found that food composition and halal awareness had a positive and significant effect on the millennial generation's purchase intention of fast food. Halal awareness has no positive and significant effect on purchase intention. The results of the study also found that food composition did not have an indirect effect on the intention to buy fast food in the millennial generation with halal certificates as an intervening variable. Halal awareness does not have an indirect effect on the intention to buy fast food in the millennial generation with halal certificates as an intervening variable.
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