The majority of Indonesia's population is Muslim. Ideally, the development of Islamic banking in Indonesia runs significantly, but the facts show that the market share of Islamic banks is still relatively small. This article aims to analyze the market share of Islamic banking in Indonesia. This study uses a descriptive quantitative approach. The data collection method used is the non-communication method, namely in the form of observation, literature review and experimentation through secondary data. Based on the results of the analysis and discussion, it shows that the market share of Islamic banking in Indonesia is still relatively low. The factors causing the low market share of Islamic banks and the improvement strategy are focused on three sides: Islamic banks' internal elements, aspects of government, regulators, and characteristics of society. In the future, there is a need for strategic steps from all parties to increase the market share of Islamic Banking in Indonesia.
The shifting trend toward m-banking services has caused competition, as multiple banks compete to convince customers to adopt m-banking services, and so must deliver excellent services. As a result, banks must prioritize meeting client expectations and providing high-quality services to compete. This study aims to examine the factors influencing Muslim students’ intentions to use mobile banking (m-banking) in Islamic banks (IB), conventional banks (CB), and conventional Islamic banks in Indonesia (ICB). The study sample consisted of 315 Muslim students who use m-banking in Islamic banks, 369 Muslim students who use conventional banks, and 207 Muslim students who use conventional Islamic banks. The partial least square (PLS) method was used to evaluate the unified theory of acceptance and the use of technology (UTAUT) on Muslim students’ intention in using m-banking. Based on the value of the coefficient of determinant (R2), the UTAUT model in this study is classified as a moderate model. This study reveals that facilitating conditions (FC), habit (HA) and performance expectancy (PE) affect Muslim students’ intentions to use m-banking at Islamic and conventional banks. Meanwhile, the intentions of Muslim students who use m-banking in conventional Islamic banks is influenced by effort expectancy (EE), FC, HA and PE. Surprisingly, social influence (SI) has no effect on Muslim students’ intentions to use mobile banking at Islamic, conventional, and Islamic conventional banks.
The development of sharia banking in Indonesia makes the need for competent human resources continues to increase. It is an opportunity for vocational high schools (SMK) to produce graduates with sharia banking competencies, such as SMK Muhammadiyah Dukun in Magelang. However, the relatively new sharia banking department is one of the obstacles to producing competent graduates. SMK has problems in the competence of teachers and learning facilities. This service carries out several activities to deal with these problems, organizing basic training in sharia banking, carrying out practical field activities (in collaboration with practitioners and the sharia finance industry), internships in sharia financial institutions, create modules for teaching materials for the teaching and learning process) and assist in solving competency test case questions. The output of this activity is the availability of modules and certified teachers by the National Professional Certification Agency (BNSP), which are indicators of mastery of related competencies.
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