The customer's shifting role makes collaboration between customer and service provider one of the most important aspects in the value co-creation process. The collaboration and active user's role has prompted co-design to become one of the strategies for successful product development. This research proposes engagement mechanism factors that improve user engagement and encourage customers to use and buy through the co-design web service. The factors are interactive feedback with the service provider and collecting points from social media sharing. We also propose user innovativeness to moderate the predictors and improve user engagement. We utilise a scenario-based experiment for a co-design clothing web store in Indonesia. Results show that additional interactive contact with the service provider will increase a user's engagement and likelihood of use. The effect is greater for customers with lower levels of innovativeness. In contrast, adding game elements (e.g., points) has no significant contribution to customer engagement and use intention. This research shows the value of engagement mechanisms in enabling the value co-creation process in a co-design platform. This study contributes by providing a framework for the service provider to deploy an engaging co-design service by considering both service provider factors (i.e., engagement mechanics embedded on the web) and
The purpose of this study is to observe the impact of inflation, profit-loss sharing loan, and capital adequacy towards performance of Islamic banks in Indonesia. This study utilizes longitudinal study from 2010 to 2018 towards Islamic Commercial Banks and Sharia Business Units that are listed in Otoritas Jasa Keuangan/OJK (Financial Service Authority) of Indonesia. Using pool-time series data, the variables studied are inflation, capital adequacy ratio (CAR), profit-loss sharing loan, and return on assets (ROA). The result shows that only inflation has no significant effect on performance. Capital adequacy affects positively significant, while profit-loss sharing loan affects negatively significant. This study add new perspective on how macroeconomic variable influence Islamic banks' performance in Indonesia. Additionally, this study is also distinctive because of lengthier observation period (eight years) compared to other studies in recent five years.
Purpose – This study aims to compare the performance of Islamic banking before and after the Islamic defense action. The action to defend Islam is a manifestation of populism, which resulted in mixed responses.Method – Financial performance consisting of return on assets (ROA), financing to deposit ratio (FDR), third party funds (DPK), non performing financing (NPF) and profit sharing financing on total financing were analyzed from 30 Islamic commercial banks and Sharia business units in Indonesia. The data were analyzed using different test paired sample T-test.Result – The results show that only TPF and FDR have significant differences. The DPK value increases, while the FDR decreases.Implication – This study can support industry to consider aspects needed to be taken care of during political events.Originality – This study enriches the empirical study of political and business interaction.
Purpose – Banking is one of the hearts of the economy in Indonesia. This study aims to determine the financial condition of banking in Indonesia.Method – The data in this study uses financial reports of bank. The technique of data analysis uses the Altman Z-Score model. By using five variables that represent the liquidity ratio X1, X2 and X3 profitability, X4 and X5 activities. With the criteria of assessment Z-Score 2.99, it is categorized as a very healthy company. 1.81 Z-Score 2.99 is in the gray area so that the probability of being saved and the possibility of bankruptcy is the same depending on the policy decision of the company management as the decision maker. Z-Score 1.81 is categorized as a company which has an enormous financial problem at high risk, so that the possibility of bankruptcy is very largeResult – As the result, it can be seen that Indonesian banks from 2008-2010 were at risk of going through financial difficulties and then survived and in the following years became more stable, while some banks were in unstable but survived and fixed their financial issues.Implication – This research can help Indonesian banks to evaluate their financial performanceOriginality – The originality of this research lies in the object under study, test analysis, and research location.
The discussion of internationalization small and medium enterprises (SMEs) internationalization is salient in international business literature. In entering and performing in distant international markets, SMEs face more significant challenges than larger firms. This research aims to analyze the effects of psychic distance, international experience, and risk-taking ability among Indonesian SMEs internationalization in a distant market. This research was carried out with a survey involving 76 SMEs in Indonesia, and then the data were analyzed using multiple regression. The result shows that although the regression model is a good fit for the data, only international experience has a significant effect. This paper contributes by providing empirical evidence of (a) factors affecting the internationalization of SMEs of an emerging market in a distant market and (b) the role of psychic distance on internationalization in the context of SMEs.
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