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Article
Publication date: 3 January 2025

Pantri Heriyati, Krisna Nugraha, Neeraj Yadav and Aryo Bismo

Use of digital Islamic banking services is not increasing in Indonesia, despite the country’s sizable Islamic population. This non-adoption might have resulted from consumer…

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Abstract

Purpose

Use of digital Islamic banking services is not increasing in Indonesia, despite the country’s sizable Islamic population. This non-adoption might have resulted from consumer resistance brought on by attempts to divert them, or it might have been a direct consequence of the diverting effect. This study aims to examine the direct relationship between the diverting effects and the decision to not adopt digital Islamic banking, as well as the mediating role of consumer resistance.

Design/methodology/approach

The partial least squares-based structural equation modelling (PLS-SEM) technique is used to analyse relationships among diverting effects, consumer resistance and non-adoption decisions. A total of 517 middle- and upper-class Indonesian consumers were involved as a sample, with several criteria such as being a conventional bank customer for at least 5 years and using digital services with a minimum of 5 transactions per month but not yet being an Islamic bank customer.

Findings

It is found that the direct relationship between the diverting effects and the non-adoption decisions is not statistically significant (β = 0.045, p = 0.15). However, it is found that the diverting effects trigger consumer resistance in a statistically significant manner (β = 0.192, p < 0.1). This consumer resistance is found to be influencing non-adoption decisions directly (β = 0.694, p < 0.1), as well as a mediating factor between diverting effects and the non-adoption decisions (β = 0.133, p < 0.1).

Originality/value

The paper deals with an emerging industry and offers actionable insights for its growth. In practice, this study suggests several possible strategies for the Islamic banking industry to grow under circumstances where digital banking is considered sine-qua-non of modern banking. Several related theories are also evaluated in this study.

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Article
Publication date: 15 August 2024

Pantri Heriyati, Neeraj Yadav, Aryo Bismo and Peter Madzik

This paper aims to analyse the advancement of social enterprises in Indonesia by providing comprehensive insights into crucial aspects of social enterprises such as stakeholder…

119

Abstract

Purpose

This paper aims to analyse the advancement of social enterprises in Indonesia by providing comprehensive insights into crucial aspects of social enterprises such as stakeholder interests, business models, challenges and future objectives.

Design/methodology/approach

Using a case study approach, the study investigates four social enterprises using a narrative methodology to gain a detailed understanding of their operations. By adopting a systems perspective, the research uncovers the dynamics among stakeholders, challenges and the evolution of business models, offering a nuanced view of the social enterprise ecosystem.

Findings

The findings demonstrate that social enterprises in Indonesia emerge with a noble mission to address unmet community needs. Notably, effective collaboration among diverse stakeholders, including both the private and public sectors, plays a crucial role in achieving the missions of these social enterprises. The study highlights the significance of social enterprises in bridging gaps left by the government and contributing to positive societal impact.

Originality/value

By deepening the understanding of social enterprise development in Indonesia, this research provides valuable insights for policymakers, practitioners and researchers in fostering their growth and effectiveness. Ultimately, it contributes to the broader knowledge on social entrepreneurship and sustainable development.

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