Proceedings of the Third International Conference on Sustainable Innovation 2019 – Humanity, Education and Social Sciences (IcoSIHESS 2019)

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How Does Islamic Financial Technology Influence Debtors’ Preference in Islamic Rural Bank

Authors
Dimas Wiranatakusuma, Tazkiyyah Hawwa
Corresponding Author
Dimas Wiranatakusuma
Available Online October 2019.
DOI
10.2991/icosihess-19.2019.21How to use a DOI?
Keywords
Financial Technology, Debtors Preference, Islamic Rural Bank
Abstract

This research aims to analyse the influence of Islamic Financial Technology on the change in Debtors’ Preference for Bangun Drajat Warga Islamic Rural Bank Bantul, Special Region of Yogyakarta. The influence of Islamic Financial Technology is measured using several variables, comprising Perceived Financial Technology, Service Feature, Perceived Ease of Use and Perceived Risk. The research, which is in the form of a case study on Bangun Drajat Warga Islamic Rural Bank Bantul, Special Region of Yogyakarta, was conducted from September to October 2018. Primary data were collected through the use of a questionnaire and interview and were processed using SPSS15 and analysed using Multiple Linear Regression. The results show that Perceived Financial Technology, Service Feature and Perceived Ease of Use partially have a significant and positive influence on the change in Islamic Rural Bank Debtors’ Preference. The variable Perceived Risk was the only one to have an insignificant and negative influence on the change in Islamic Rural Bank Debtors’ Preference. Overall, the independent variables simultaneously have a significant influence on the change in Islamic Rural Bank Debtors’ Preference. The independent variables explain 63.3% of the dependent variables, with the remaining 36.7% explained by other variables outside the model.

Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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Volume Title
Proceedings of the Third International Conference on Sustainable Innovation 2019 – Humanity, Education and Social Sciences (IcoSIHESS 2019)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
October 2019
ISBN
978-94-6252-813-0
ISSN
2352-5398
DOI
10.2991/icosihess-19.2019.21How to use a DOI?
Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Cite this article

risenwbib
TY  - CONF
AU  - Dimas Wiranatakusuma
AU  - Tazkiyyah Hawwa
PY  - 2019/10
DA  - 2019/10
TI  - How Does Islamic Financial Technology Influence Debtors’ Preference in Islamic Rural Bank
BT  - Proceedings of the Third International Conference on Sustainable Innovation 2019 – Humanity, Education and Social Sciences (IcoSIHESS 2019)
PB  - Atlantis Press
SP  - 126
EP  - 132
SN  - 2352-5398
UR  - https://doi.org/10.2991/icosihess-19.2019.21
DO  - 10.2991/icosihess-19.2019.21
ID  - Wiranatakusuma2019/10
ER  -