The Role Of Financial Technology And Customer Behavior Mediation Employee Engagement On Sharia Bank Performance In Padang, West Sumatra Province, Indonesia
Keywords:
Financial Technology, Customer Behavior, Employee Engagement, Sharia Bank Performance
Abstract
This research examined the factors that affect Sharia Bank Performance of the state-owned Islamic banks in Indonesia. Data were collected by distributing an online questionnaire to a total of 250 Muslim customers. Furthermore, the collected data were analyzed using SEMPLS. The findings indicate that Financial Technology (fintech), Customer Behavior (CB) and Employee Engagement (EM) can enhance Sharia Bank Performance (SBP). This suggested that, in Padang West Sumatera Indonesia, where most of the population is Muslim, businesses prioritizing Shariah compliance through Employee Engagement are more likely to retain customers. This research provides empirical evidence to Islamic banks regarding the significance of Employee Engagement. The study suggests that, based on its findings, the various branch managers in charge of EM should develop, nurture, and maintain attractive EM practices as an system to help boost bank performance Based on the findings, bank management tends to consider to integrate the Financial Technology, Customer Behavior and Employee Engagement, into the banking business model.
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References
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Romdhoni, A. H. (2015). Financial Technology (Fintech) Dalam Perbankan Syariah. Jurnal Akuntansi Dan Pajak, 16(01), 124–130. https://doi.org/10.29040/jap.v16i01.122
Septiani, D. H., Nurlaela, L., Nasim, A., & Mediawati, E. (2022). Financial Technology in Islamic Banking during Fourth Industrial Revolution Era. Jurnal Kajian Peradaban Islam, 5(1), 98–107. https://doi.org/10.47076/jkpis.v5i1.125
Shahzad Virk, N., Nawaz, T., & Molyneux, P. (2022). A canary in a Coalmine! religious agency and its impact on the performance of Islamic banks. Journal of International Financial
Markets, Institutions and Money, 78, 101559.
https://doi.org/10.1016/j.intfin.2022.101559
Suripto. (2023). Earnings management determinants: Comparison between Islamic and Conventional Banks across the ASEAN region. Asia Pacific Management Review, 28(1), 24–32. https://doi.org/10.1016/j.apmrv.2022.01.005
Suryam Dora, D. (2017). No Titleسالم افراد. Studies On Variation In Milk Production And It’s Constituents During Different Season, Stage Of Lactation And Parity In Gir Cows M.V.Sc D Suryam Dora Livestock, 25(2022), 6–18.
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Zakiy, M., Kinasih, P., & As’ad, S. (2023). Organizational Changes and the Impact on the Performance of Sharia Bank Employees Through Affective Commitment. Jurnal Ekonomi Dan Bisnis Islam (Journal of Islamic Economics and Business), 9(1), 1–18. https://doi.org/10.20473/jebis.v9i1.34743
Aprianita, ., & Nurhayati, M. (2021). The Effect of Job Insecurity on Job Performance with Islamic Work Ethics and Employee Engagement as Mediation Variables (Study at Bank Muamalat West Jakarta Region). European Journal of Business and Management Research, 6(5), 20–25. https://doi.org/10.24018/ejbmr.2021.6.5.1054
Boubakri, N., Mirzaei, A., & Saad, M. (2023). Bank lending during the COVID-19 pandemic: A comparison of Islamic and conventional banks. Journal of International Financial Markets, Institutions and Money, 84(January), 101743.
https://doi.org/10.1016/j.intfin.2023.101743
Elkhansa, M., Bakar, A., & Hamid, A. (2020). Implementing Employee Engagement in Al Rajihi Islamic Bank: Reality and Perspectives. International Journal of Advanced Research in Islamic and Humanities, 2(1), 26–41. http://myjms.moe.gov.my/index.php/ijarih
Elsasari, F. B., & Sukardi, B. (2022). Analysis Determinants of Housewives to Control Saving Gold Behavior in Indonesian Sharia Pawnshops. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 8(1), 1–36. https://doi.org/10.36908/isbank.v8i1.334
Hair, J. F., G. T. M. Hult, C. M. Ringle, and M. Sarstedt. 2017. A primer on partial least squares structural equation modeling (PLS-SEM), 2nd ed. Thousand Oaks, CA: Sage.
Hair, J.F., J.J. Risher, M. Sarstedt, and C.M. Ringle. 2019. When to use and how to report the results of PLS-SEM. European Business Review 31(1): 2–24.
Hilal, R. F., Qomari, I. N., Wahyuningsih, S. H., & Saad, M. S. M. (2023). The Role of Organizational Support and Holistic Intelligence on Lecturer Performance Mediated by Organizational Commitment. International Journal of Professional Business Review, 8(8), e02908. https://doi.org/10.26668/businessreview/2023.v8i8.2908
Hoque, M. N., Rahman, M. K., Said, J., Begum, F., & Hossain, M. M. (2022). What Factors Influence Customer Attitudes and Mindsets towards the Use of Services and Products of Islamic Banks in Bangladesh? Sustainability (Switzerland), 14(8). https://doi.org/10.3390/su14084703
Illahi, M. K., Firdaus, F., & ... (2023). Islamic Banking Performance Based on Profitability Approach of Indonesia Malaysia Islamic Banks. Talaa: Journal of …, 3(2), 90–103. https://www.e- journal.iaingorontalo.ac.id/index.php/talaa/article/view/736%0Ahttps://www.e- journal.iaingorontalo.ac.id/index.php/talaa/article/download/736/389
International, S., This, A. H. P. C., Process, A. H., Assessment, C. P., Enterprises, M., & Smes,
V. (n.d.). A two-phased decision-making based grey theory framework for the best choice of payment methods in international trade Kerangka teori abu-abu berdasarkan pengambilan Keputusan dua fase untuk pilihan metode pembayaran terbaik dalam perdagangan internasiona.
Juliana, J., Nurhaliza, F., Hermawan, R., & Marlina, R. (2023). Bank Syariah Indonesia Customer Loyalty After Merger: Analysis of Trust, Service Quality, and Religiosity. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(1), 96–108. https://doi.org/10.20473/vol10iss20231pp96-108
Karamoy, H., & Tulung, J. E. (2020). The effect of financial performance and corporate governance to stock price in non-bank financial industry. Corporate Ownership and Control, 17(2), 97–103. https://doi.org/10.22495/cocv17i2art9
Kartikaningdyah, E., & Surya, R. O. (2017). The influence of motivation, voice behavior and work engagement of the individual performance at Islamic Bank. Journal of Applied Accounting and Taxation Article History, 2(1), 1–8.
Maftuhatul, S., Wisandianing, R., & Belakang, L. (2022). Faktor Penentu Keterlibatan Kerja Selama Pandemi : Kasus Pekerja Perbankan Syariah. 8(4).
Mukhibad, H., Yudo Jayanto, P., Suryarini, T., & Bagas Hapsoro, B. (2022). Corporate governance and Islamic bank accountability based on disclosure—a study on Islamic banks in Indonesia. Cogent Business and Management, 9(1). https://doi.org/10.1080/23311975.2022.2080151
Nawal Kasim, Shahul Hameed Mohamad Ibrahim, & Maliah Sulaiman. (2009). Shariah auditing in Islamic financial institutions : exploring the gap between the “Desired ” and the “Actual .” Global Economy & Finance Journal, 2(2), 127–137.
Neves, C., Oliveira, T., Santini, F., & Gutman, L. (2023). Adoption and use of digital financial services: A meta analysis of barriers and facilitators. International Journal of Information Management Data Insights, 3(2), 100201. https://doi.org/10.1016/j.jjimei.2023.100201
Nugraha, K., Arief, M., Abdinagoro, S. B., & Heriyati, P. (2022). Factors Influencing Bank Customers’ Orientations toward Islamic Banks: Indonesian Banking Perspective. Sustainability (Switzerland), 14(19). https://doi.org/10.3390/su141912506
Nur, Y., Basalamah, S., Semmail, B., & Hasan, S. (2023). The Influence of Bank Image, Accessibility, and Employee Engagement on Customer Satisfaction and Loyalty at Islamic Banks in Makassar City. In International Journal of Professional Business Review (Vol. 8, Issue 9). https://doi.org/10.26668/businessreview/2023.v8i9.3640
Putri, W. H., Nurwiyanta, N., Sungkono, S., & Wahyuningsih, T. (2019). The emerging fintech and financial slack on corporate financial performance. Investment Management and Financial Innovations, 16(2), 348–354. https://doi.org/10.21511/imfi.16(2).2019.29
Ramadan Wardiansyah, D., Khusniyah Indrawati, N., & Tri Kurniawati, D. (2024). The effect of employee motivation and employee engagement on job performance mediated by job satisfaction. International Journal of Research in Business and Social Science (2147- 4478), 13(1), 220–231. https://doi.org/10.20525/ijrbs.v13i1.3133
Romdhoni, A. H. (2015). Financial Technology (Fintech) Dalam Perbankan Syariah. Jurnal Akuntansi Dan Pajak, 16(01), 124–130. https://doi.org/10.29040/jap.v16i01.122
Septiani, D. H., Nurlaela, L., Nasim, A., & Mediawati, E. (2022). Financial Technology in Islamic Banking during Fourth Industrial Revolution Era. Jurnal Kajian Peradaban Islam, 5(1), 98–107. https://doi.org/10.47076/jkpis.v5i1.125
Shahzad Virk, N., Nawaz, T., & Molyneux, P. (2022). A canary in a Coalmine! religious agency and its impact on the performance of Islamic banks. Journal of International Financial
Markets, Institutions and Money, 78, 101559.
https://doi.org/10.1016/j.intfin.2022.101559
Suripto. (2023). Earnings management determinants: Comparison between Islamic and Conventional Banks across the ASEAN region. Asia Pacific Management Review, 28(1), 24–32. https://doi.org/10.1016/j.apmrv.2022.01.005
Suryam Dora, D. (2017). No Titleسالم افراد. Studies On Variation In Milk Production And It’s Constituents During Different Season, Stage Of Lactation And Parity In Gir Cows M.V.Sc D Suryam Dora Livestock, 25(2022), 6–18.
Thaib, I., Puspaningrum, A., Hussein, A. S., & Prabandari, S. P. (2024). Islamic Banking Performance and Internal Sharia Capital Collaboration. Revista de Gestao Social e Ambiental, 18(1), 0–15. https://doi.org/10.24857/rgsa.v18n1-120
Zakiy, M., Kinasih, P., & As’ad, S. (2023). Organizational Changes and the Impact on the Performance of Sharia Bank Employees Through Affective Commitment. Jurnal Ekonomi Dan Bisnis Islam (Journal of Islamic Economics and Business), 9(1), 1–18. https://doi.org/10.20473/jebis.v9i1.34743
Published
2024-11-14
How to Cite
Harry Wahyudhi, R. Rozaini, & Muhamad Imam Syairozi. (2024). The Role Of Financial Technology And Customer Behavior Mediation Employee Engagement On Sharia Bank Performance In Padang, West Sumatra Province, Indonesia. Jurnal Scientia, 13(04), 1614-1621. Retrieved from https://infor.seaninstitute.org/index.php/pendidikan/article/view/2666
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Articles
