Search results

This study aims to use a risk management approach to analyze the factors influencing the marketing failure of Islamic banking products in Indonesia.

Data were collected from respondents to be involved in the risk assessment of failure based on the criteria of severity score, likelihood of occurrence and detection ability of employees. The dominant factors were grouped into the number of new customers and transaction value categories. The failure mode and effect analysis (FMEA) method was used to identify the highest risk dominant factors.

The study results show critical factors and prioritized for immediate improvement. The number of new customers can be identified based on the following factors: occupation of prospective customers; income level of prospective customers; the lifestyle of the prospective customer. Transaction value can be identified based on the following factors: total balance; the level of convenience in transactions; turnover of funds; profitability; and risk management.

The Islamic banking industry in Indonesia needs to consider the importance of suitability: target market with the products offered, considering the income level of customers with suitable products, the level of profit sharing expected by consumers, improving customer education about Islamic banking products, the capabilities of financing staff and staff capabilities on risk management in Islamic banking products and services.

To the best of the author’s knowledge, this research is the first to apply FMEA in analysing marketing failures of Islamic banking products and services.

This study aims to determine the contribution of non-halal income and Islamic funds to Islamic banks’ financial performance and health level in Indonesia from 2014–2020.

The research uses secondary data from a sample of eight Islamic banks in Indonesia. Data analysis uses the panel data regression concept and the Random Effect Model.

The results of the data analysis show that non-halal income does not contribute to the financial performance or health level of Islamic banks during the observation period from 2014–2020, possibly due to its incompatibility with Sharia principles. Non-halal income, used solely for charitable activities, does not directly enhance operational performance or financial health. In contrast, Islamic funds contribute to financial performance [through the Financing to Deposit Ratio (FDR) ratio] with an effect size of 12.99% and to the health level with an effect size of 24.31%.

Islamic banks in Indonesia should prioritize managing Islamic funds effectively, as they significantly enhance financial performance (12.99% impact via FDR ratio) and health levels (24.31% impact). Conversely, minimizing reliance on non-halal income, which showed no positive impact, can strengthen adherence to Sharia principles and bolster market confidence. Policymakers could support regulations encouraging the accumulation and prudent use of Islamic funds while ensuring rigorous monitoring of non-halal income sources. Comparative analysis with Sharia banks in other countries would provide additional insights into the global regulatory and operational landscape for Islamic fund management.

Emphasizing Islamic funds over non-halal income in Islamic banks can foster greater community trust and ethical alignment with Sharia principles. By prioritizing Sharia-compliant financial practices, banks can cater better to religiously observant customers and contribute positively to societal values. This shift may enhance financial inclusion by attracting more deposits from individuals seeking ethical banking options. Additionally, it reinforces the role of Islamic finance in promoting economic stability and moral integrity within Indonesia’s financial sector. Policymakers’ support for such practices can further strengthen social cohesion and sustainable economic development, aligning financial activities with broader societal expectations and religious beliefs.

This study offers compelling insights into the distinct impacts of non-halal income and Islamic funds on Islamic banks’ financial performance and health in Indonesia, using robust panel data regression techniques. The findings reveal a critical dichotomy: while non-halal income shows negligible influence, Islamic funds significantly enhance financial performance (12.99% impact via FDR ratio) and health levels (24.31% impact). This nuanced analysis contributes uniquely to the literature by empirically quantifying these effects over a substantial observation period, offering practical implications for Islamic banking operations and regulatory frameworks. Such insights are pivotal for advancing strategies that align with Sharia principles and enhance institutional sustainability, with potential comparative relevance for Islamic banks globally.

This study aims to explore the applicability of the learning organization (LO) concept as a predictor of work performance (WP) using partial least square (PLS) as a statistical method to explain the presence or absence of relationships between those latent variables.

An empirical approach was conducted on a research sample of a local government in Indonesia. The design of this study is a cross-sectional study using a closed-ended questionnaire, and PLS is used as a statistical method.

The results show evidence of internal consistency and construct reliability and provide a sound answer that the LO concept can explain a considerable proportion of the WP. This indicates that LO could be considered as the predictor of WP.

To date, studies on the benefit of becoming an LO have been increasing since the publication of Senge’s book, The Fifth Discipline, in the 1990s. However, such research efforts are directed primarily at assessing financial and knowledge performance (Swanson and Chermack, 2013). Very few studies have focused on the benefits associated with becoming an LO with an emphasis on individual performance using the behavioral aspect.

This study aims to investigate the direct and indirect relationships among principal instructional leadership, collective teacher efficacy, and teacher commitment using multilevel analysis.

This study employed quantitative cross-sectional research design. Data were collected from 1,328 teachers selected from 71 Malaysian primary schools.

The direct relationship between instructional leadership and teacher commitment was significant at the school level. Similarly, instructional leadership exhibits a significant direct effect on collective teacher efficacy. Collective teacher efficacy also has a significant direct effect on teacher commitment. The results also indicate a significant indirect effect at school level between instructional leadership and teacher commitment through collective teacher efficacy.

The multilevel analysis among instructional leadership, collective teacher efficacy, and teacher commitment warrant further investigations with larger sample sizes at both group and individual levels.

This study supplements previous findings by contributing more rigorous empirical evidence using multilevel analysis. The findings extend current knowledge in the principal instructional leadership literature in the context of a Southeast Asian country.

The surface characteristics of thermally and chemically modified wood, such as surface roughness, surface free energy (SFE) and wettability, are important properties that influence further manufacturing processes such as gluing and coating. The aim of this paper was to determine the influence of the surface roughness of thermally and chemically modified teak wood on their SFE, wettability and bonding quality for water-based acrylic and solvent-based alkyd varnishes. In addition, durability against subterranean termites in the field of these modified teak woods was also investigated to give a valuable information for their further application.

The woods tested in this study were fast-growing teak woods that were prepared in untreated and treated with furfuryl alcohol (FA), glycerol maleic anhydride (GMA) and thermal. SFE values were calculated using the Rabel method. The wettability values were measured based on the contact angle between varnish liquids and wood surfaces using the sessile drop method, and the Shi and Gardner model model was used to evaluate the wettability of the varnishes on the wood surface. The bonding quality of the varnishes was measured using a cross-cut test based on ASTM 3359-17 standard. In addition, durability against subterranean termites in the field of these modified teak woods was also investigated according to ASTM D 1758-06.

The results showed that furfurylated and GMA-thermal 220°C improved the durability of teak wood against termites. The furfurylated teak wood had the roughest surface with an arithmetic average roughness (Ra) value of 15.65 µm before aging and 27.11 µm after aging. The GMA-thermal 220°C treated teak wood was the smoothest surface with Ra value of 6.44 µm before aging and 13.75 µm after aging. Untreated teak wood had the highest SFE value of 46.90 and 57.37 mJ/m² before and after aging, respectively. The K values of untreated and treated teak wood increased owing to the aging treatment. The K values for the water-based acrylic varnish were lower than that of the solvent-based alkyd varnish. The untreated teak wood with the highest SFE produced the highest bonding quality (grades 4–5) for both acrylic and alkyd varnishes. The solvent-based alkyd varnish was more wettable and generated better bonding quality than the water-based acrylic varnish.

The originality of this research work is that it provides evaluation values of the durability and SFE. The SFE value can be used to quantitatively determine the wettability of paint liquids on the surface of wood and its varnish bonding quality.

The purpose of this study is to explore a theoretical model using the push-pull-mooring framework which adopts both direct and moderating effects, in relation to building antecedents of Muslim switching intention (SI) from using cash to mobile payment (m-payment).

The data collected were 317 respondents, then processed using the partial least squares structural equation modeling approach (SEM-PLS). Furthermore, advanced PLS techniques such as PLS predict, blindfolding and importance-performance map analysis are used to verify the statistical analysis of findings.

This research underlines the importance of religious commitment factor when talking about Muslims SI to use m-payment. Moreover, the features of m-payment, such as enjoyment, efficiency, security and convenience, have contributed to the driving and attracting factors for Muslim individuals to switch from cash to m-payment.

Fundamentally it is highly recommended that the highest concentration of service provider strategies is always obeying the principles of Islamic finance, with regard to the Muslim community as their target market. Specific to the government, the distribution of supporting infrastructure and literacy of new technologies such as m-payment are still important points in an effort to create a cashless society.

The model in this study emphasizes the internal and external construction of a Muslim in relation to the behavior of SI from using cash to m-payment. Thus, the construction of the model that has been built is considered to bring more relevant factors to explain the m-payment adoption behavior of a Muslim from various perspectives.

The surface characteristics of wood such as surface roughness, surface free energy (SFE) and wettability are important properties influencing further manufacturing processes such as gluing and coating. The purpose of this study is to determine the influence of surface roughness of ten tropical woods on their SFE, wettability and bonding quality for water-based acrylic and solvent-based alkyd varnishes.

The woods tested in this study were fast-growing teak, afrika, sungkai, mindi, merbau, durian, lamtoro, pulai, acacia and kempas. Wood surfaces were prepared in unsanded and sanded using an abrasive paper of 120 grits. SFE values were calculated based on the Rabel method. Wettability values were measured based on the contact angle between varnish liquids and wood surfaces using the sessile drop method, and the S/G model was used to evaluate the wettability of the varnishes on the woods surface. The bonding quality of the varnishes was measured using a cross-cut test based on the ASTM 3359-02 standard.

The results show that unsanded kempas wood had the roughest surface with a Ra value of 16.24 µm, whereas sanded lamtoro wood has the smoothest surface with a Ra value of 6.86 µm. The unsanded afrika wood had the highest SFE value of 53.61 mJ/m², whereas sanded fast-growing teak had the lowest SFE value of 36.17 mJ/m². Sanded merbau woods had the lowest K value of 0.022 for the water-based acrylic varnish, whereas unsanded afrika wood had the highest K value of 9.253 for the alkyd varnish. Afrika wood with the highest K values (highest wettability) for both acrylic and alkyd varnishes produced the highest bonding quality (grade 4-5). Compared to the water-based acrylic varnish, the solvent-based alkyd varnish was more wettable and generated better bonding quality.

Improving the quality of fast-growing wood from plantation by painting could be considered to increase their use for higher value wood products.

Compared to water-based acrylic varnish, solvent-based alkyd varnish was more wettable and generated better bonding quality.

The originality of this research is to evaluate the values of surface free energy. SFE could be used to quantitatively determined the wettability of paints liquid in the surface of wood

This paper aims to explore how one industry leader in Indonesia addressed its hiring and training problems while simultaneously contributing to society through an human resource management (HRM)-led corporate social responsibility (CSR) initiative involving a vocational education training (VET) intervention.

The VET case study, which is central to the paper, followed a four-stage action research design. Data were collected through series of consultations with the company’s top management, benchmarking companies, the vocational school, local community and government bodies.

The intervention reduced the company’s hiring and training problems and provided jobs for graduates which addressed local youth unemployment. This experience generated lessons on CSR strategic interventions which should be considered when HRM professionals are seeking to address simultaneously organisational and social objectives.

The study is based on a single case in a local setting in one country.

The study offers insights to HRM practitioners who face similar problems relating to upskilling, local talent supply and employee recruitment. The proposed framework is likely to be relevant to HRM practitioners who play a lead role in their organisations’ CSR initiatives.

The case provides a realistic example of how a company, through its HRM function, can play a meaningful role in addressing societal issues and strategic business objectives.

To the best of the authors’ knowledge, this is an original case study based on primary data, conducted as action research.

The purpose of this paper is to evaluate the differential effects of help-seeking and product-claim direct-to-consumer advertising (DTCA) on consumers’ attitude toward the ad, intention to seek information and intention to see a doctor. This paper also seeks to examine the underlying mechanism of these effects and the moderating role of advertising literacy.

An online experiment was conducted with 130 adults who experienced narcolepsy symptoms and experimental stimuli promoting a fictitious drug for narcolepsy.

Help-seeking DTCA generated lower persuasion knowledge activation than product-claim DTCA, resulting in lower skepticism, more favorable attitude toward the ad and higher behavioral intentions. The effects of ad type were stronger among consumers with higher advertising literacy.

This is the first study that provides a thorough examination of the underlying mechanism of the differential effects of help-seeking vs product-claim DTCA as well as the roles of consumers’ advertising literacy on ad outcomes.

The lack of studies about the relevance of disaster awareness factors and disaster evacuation as a part of disaster responses especially for fire cases in an academic environment in Indonesia has triggered this study to explore the disaster awareness factors and evacuation experiment without emergency alarm for case study students in the classroom. The relevance of disaster awareness factors in transforming into practical action and decision in a disaster evacuation need to be examined to study the relevance of both phases in disaster.

This research conducted a quantitative approach by studying questionnaires from 162 respondents collectively divided into five groups to examine the student disaster awareness factors randomly from those groups. The qualitative approach was implemented through the evacuation experiments that were conducted twice to analyze the disaster evacuation performance. The analysis for the relevance is conducted by comparing the result of the questionnaire study and the evacuation experiment.

According to the questionnaire study, generally, the students are highly confident with their hazard knowledge in disaster awareness except that half of them are doubtful about appropriate steps in a disaster. The experiment without explosive sound showed that they have slower responses in the critical moment of evacuation. The response in the experiments showed relevance with several disaster awareness factors

This study has explored the relevance of disaster awareness factors with disaster response in a campus building. In the part of reducing risk during fire disaster, this research shows the importance of social interaction and hazard knowledge during the disaster.

The improvement of disaster evacuation procedures and training in a campus building is mandatory to reduce disaster risk based on the relevance of disaster awareness factors and disaster response in this study.

This study measures the relevance of disaster awareness factors performance of the students by comparing it to their actions and decisions in an experimental setting of fire building. The disaster awareness factor performance was measured by a questionnaire survey while the experiments were deployed to observe the performance of their actions and decisions during evacuation as part of the disaster response phase.