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How Does Islamic Financial Technology Influence Debtors- Preference in Islamic Rural Bank-s Bangun Drajat Yogyakarta
Dimas Bagus Wiranatakusuma, and Tazkiyyah Nafs El Hawwa

Universitas Muhammadiyah Yogyakarta


Abstract

The aim of this research is to analyse the influence of Islamic Financial Technology towards the change of Debtors Preference on Bangun Drajat Warga Islamic Rural Bank Bantul, Special Region of Yogyakarta. The influence of Islamic Financial Technology is measured by using several variables, including Perceived Financial Technology, Service Feature, Perceived Ease of Use, and Perceived Risk. This research took case study on Bangun Drajat Warga Islamic Rural Bank Bantul, Special Region of Yogyakarta from September to October 2018. The type of data is primary data collected by using questionnaire and interview. The primary data was processed using SPSS 15 and analysed by using Multiple Linear Regression. The results show that Perceived Financial Technology, Service Feature and Perceived Ease of Use partially have significant and positive influence towards the change on Islamic Rural Bank Debtors Preference. The variable Perceived Risk is the only variable that has insignificant and negative influence towards the change of Islamic Rural Bank Debtors Preference. Overall, the independent variables simultaneously share significant influence towards the change on Islamic Rural Bank Debtors Preference. The independent variables can explain 63,3% of dependent variable, while other 36,7% is explained by other variables outside the model.

Keywords: Financial Technology, Debtors Preference, Islamic Rural Bank, Linear Regression, Yogyakarta

Topic: International Conference of Islamic Economic and Financial Inclusion

Link: https://ifory.id/abstract/XxaYzfdnVRt6

Conference: The 3rd International Conference on Sustainability and Innovation (ICoSI 2019)

Plain Format | Corresponding Author (Dimas Kusuma)

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