ISLAMIC FINANCIAL TECHNOLOGY TOWARDS THE ADVANCEMENT OF ISLAMIC BANKING IN INDONESIA
Main Article Content
Abstract
Responding to the digital economy in the era of industrial revolution 4.0, the quality of sharia banking services in Indonesia is estimated and expected to increase significantly, in order to reach all levels of society, especially for people who live in the 3T area (terdepan/frontier, terluar/outermost, and terpencil/isolated). However, currently the quality of sharia banking services in Indonesia is not yet satisfactory, especially by people living in the 3T area. this research, trying to answer the challenge through a SWOT analysis of the application of financial technology policies in Islamic banks, with the hope of the quality of Islamic banking services can be improved and felt by all levels of Indonesian society and banking players can quickly understand and act. The management of Islamic banking management functions appropriately is based on an attitude of fear of Allah SWT, in the context of managing internal and external assets that include banking activities in a holistic manner. Thus, this study aims to analyze more deeply the strengths, weaknesses, opportunities, and threats (SWOT) of the application of Islamic banking financial technology (mobile banking) in Indonesia, the results showed a significant achievement compared to the previous year, even though in the global context, there were still many breakthroughs needed so that the 3T community could utilize optimal Islamic banking services
Article Details
How to Cite
Darussalam, A. Z., Tutuko, B., Dahlan, A., Hudaifah, A., & Tajang, A. D. (2019). ISLAMIC FINANCIAL TECHNOLOGY TOWARDS THE ADVANCEMENT OF ISLAMIC BANKING IN INDONESIA. NISBAH: Jurnal Perbankan Syariah, 4(2), 171–181. https://doi.org/10.30997/jn.v4i2.1552
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Articles
References
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Offstein E.H., M.B Larson, A.L McNeil, & H.M Mwale. (2004). Are We Doing Enough for Today’s Graduate Students? The International Journal of Educational Management, 18(7), 396-407
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Sutojo, S (1997) Manajemen terapan bank. Jakarta: Pustaka Binaman Pressindo.
Suyanto, B., dan Sutinah (2006) Metode penelitian sosial. Jakarta: PT Kencana Persada.
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Tjiptono, F. (2001) Strategi pemasaran. Edisi ke Satu, Yogyakarta: Penerbit Andi Offset.
Tobing, Fathorazzi, & Wulandari (2016) Model inovasi sistem pemasaran perbankan syariah berbasis floating market untuk penciptaan daya saing (model of islamic banking marketing innovation systems based on floating market for creation competitiveness). Jurnal Keuangan dan Perbankan 20 (1): 75-83.
Tutuko, B., Hudaifah, A. and Zulfikar, D. (2017) ‘Structuring Model for Corporate Productive Cash- Waqf in Indonesia (A Case Study of PT . Semen Indonesia)’. Journal of Islamic Finance, Special Issue, pp. 163–173.
Weihrich, H. (1982). The TOWS matrix—A tool for situational analysis. Long Range Planning, 15(2), 54–66.
Živkovi, Ž. et al. (2015) ‘Analytical Network Process in the Framework of SWOT Analysis for Strategic Decision Making (Case Study: Technical Faculty in Bor, University of Belgrade, Serbia)’, Acta Polytechnica Hungarica. 12(7), pp. 199–216.
Annual report BI (2018) accessed 22 November 2018. https://www.bi.go.id/id/publikasi/laporan-tahunan/bi/Default.aspx
Cardao-pito, T. and Baptista, D. (2017) ‘Portugal’s banking and financial crises: unexpected consequences of monetary integration?’, Journal of Economic Policy Reform. Routledge, 7870, pp. 1–27. doi: 10.1080/17487870.2016.1181551.
Darussalam, A. Z. and Malik, A. D. (2017) ‘Konsep Perdagangan dalam Tafsir Al-Mishbah (Paradigma Filsafat Ekonomi Qur’ani Ulama Indonesia)’. Jurnal Al-Tijarah, 3(1), pp. 45–64.
David, F. R (2006) Manajemen strategis. Edisi ke Sepuluh, Jakarta: Penerbit Salemba Empat.
Firmansyah, Widiati (2016) Maksimalisasi nilai perbankan syariah melalui teknologi pelayanan nasabah terkini. Jurnal Keuangan dan Perbankan 20 (2): 274-281.
Folake, N.P. (2013). The Impact of Trust Antecedents of Internet Banking in Nigeria. International Journal of Economic and Business Management, 2(2), 19-24
Glaister, K. W., & Falshaw, J. R. (1999). Strategic planning: Still going strong? Long Range Planning,32(1), 107–116
Greenley, G. E. (1994). Strategic planning and company performance: An appraisal of the empirical evidence.Scandinavian Journal of Management,10(4), 383–396.
Habibi, Y. (2016). Refleksi setahun laku pandai. Republika. Accessed 7 April 2016. http://www.republika.co.id.
Hartono, J. 2005. Sistem informasi strategik untuk keunggulan kompetitif. Yogyakarta: Penerbit Andi Offset.
Heriyanto, T. 2015. Pengguna internet Indonesia capai 88,1 juta. CNN Indonesia. Accessed 26 March 2015. http://www.cnnindonesia.com.
Hung, K. (2013) ‘Understanding China’s Hotel Industry: A SWOT Analysis Understanding China’s Hotel Industry: A SWOT Analysis’, Journal of China Tourism Research,9: 81–93, 2013 8160. doi: 10.1080/19388160.2013.756771.
Julianto, P. A (2016) "Fintech", cara perbankan penuhi kebutuhan nasabah. Kompas. Accessed 25 November 2018. http://bisniskeuangan.kompas.com.
Kotler, P (2002) Manajemen pemasaran di indonesia: Analisis, perencanaan, implementasi dan pengendalian. Jakarta: Penerbit Salemba Empat
Kotler, P., dan G. Armstrong (2008) Prinsip-prinsip pemasaran jilid 1. Jakarta: Penerbit Erlangga.
Lee, M. (2009) Factor Influencing the adoption of internet banking: An Integration of TAM dan TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3),130-141
Mahfooz, Y., M. Al-Motairi, & F. Ahmad, A. Khan. (2013). A Study of the Service Quality Issues of Internet Banking in Non-Metro Cities of India. Journal of Advanced Management Science, 1(1), 75-79.
Margaretha, F (2015) Dampak electronic banking terhadap kinerja perbankan Indonesia. Jurnal Keuangan dan Perbankan 19 (3): 514-524.
MRI. (2018) Prospek bisnis e-banking. Buletin MRI. Accessed 22 November 2018. http://www.mri-research-ind.com.
Nursiana, A. 2015. Pengaruh internet banking, kualitas layanan, reputasi produk, lokasi, terhadap loyalitas nasabah dengan intermediasi kepuasan nasabah. Jurnal Keuangan dan Perbankan 19 (3): 450-462.
Offstein E.H., M.B Larson, A.L McNeil, & H.M Mwale. (2004). Are We Doing Enough for Today’s Graduate Students? The International Journal of Educational Management, 18(7), 396-407
Osita, I. C. (2014) ‘Organization’s stability and productivity: the role of SWOT analysis an acronym for strength, weakness, opportunities and threat’, International Journal of Innovative and Applied Research, Volume 2, Issue (9): 23- 32 pp. 23–32.
Siregar, A (2016) Financial technology tren bisnis keuangan ke depan. Infobanknews. Accessed 14 April 2016. http://infobanknews.com
Sukma, D (2016) Fintechfest, mempopulerkan teknologi finansial di Indonesia. Arena LTE. Accessed 24 Agustus 2016. Tersedia di http://arenalte.com.
Supranto, J. (2006) Pengukuran tingkat kepuasan pelanggan. Cetakan ke Tiga, Jakarta: Penerbit Rineka Cipta.
Sutojo, S (1997) Manajemen terapan bank. Jakarta: Pustaka Binaman Pressindo.
Suyanto, B., dan Sutinah (2006) Metode penelitian sosial. Jakarta: PT Kencana Persada.
Tempo, Indonesia Banking School (2018) Indonesia Banking Award. accessed 23 November 2018. https://bisnis.tempo.co/read/908876/inilah-peraih-indonesian-banking-award-2017/full&view=ok
Tjiptono, F. (2001) Strategi pemasaran. Edisi ke Satu, Yogyakarta: Penerbit Andi Offset.
Tobing, Fathorazzi, & Wulandari (2016) Model inovasi sistem pemasaran perbankan syariah berbasis floating market untuk penciptaan daya saing (model of islamic banking marketing innovation systems based on floating market for creation competitiveness). Jurnal Keuangan dan Perbankan 20 (1): 75-83.
Tutuko, B., Hudaifah, A. and Zulfikar, D. (2017) ‘Structuring Model for Corporate Productive Cash- Waqf in Indonesia (A Case Study of PT . Semen Indonesia)’. Journal of Islamic Finance, Special Issue, pp. 163–173.
Weihrich, H. (1982). The TOWS matrix—A tool for situational analysis. Long Range Planning, 15(2), 54–66.
Živkovi, Ž. et al. (2015) ‘Analytical Network Process in the Framework of SWOT Analysis for Strategic Decision Making (Case Study: Technical Faculty in Bor, University of Belgrade, Serbia)’, Acta Polytechnica Hungarica. 12(7), pp. 199–216.