Ubud Salim

The aim of this study is to analyze and measure the factors that influence competitive advantage seen from the quality of services, Islamic work ethics and information systems. The population of this study was all patients of BPJS participants in hospitals in Kuningan, West Java. This study uses a proportional random sampling technique to determine the sample. The respondents of this study were 115 respondents. Analysis was carried out using Partial Least Square (PLS). Results of the study prove that Islamic work ethics are positive and significant to competitive advantage. Competitive advantage can also be influenced by the hospital information system. Service quality also has a positive and significant influence on competitive advantage. Islamic work ethics, information system and service quality is a factor that can build competitive advantage in hospitals in Kuningan.

The study aims to explore the effect of the quality of state-owned sharia banks’ services on consumers’ satisfaction and happiness. It contributes to knowledge of marketing management theory and management practices. The expected final effect is that the right quality of customers` service practice can increase customers’ satisfaction and happiness in the Islamic context. The study uses quantitative approach. It relies on primary data obtained from questionnaire results and secondary data in the form of information from state-owned sharia banks including Bank BRI Syariah, Bank BNI Syariah and Bank Syariah Mandiri. The study considers PLS-SEM as the right tool for data analysis. The findings of the study are as follows: 1) only two of seven dimensions of service quality that significantly affect consumers’ satisfaction, are the Islamic Service System and the Responsiveness System, while the remaining effects come from other hypotheses not included in the model; 2) consumers’ satisfaction has a significant effect on consumers` happiness, and the remaining effects come from other concepts that are worth exploring.

This study sought to test and find empirical evidence on the effect of Al-Bai’ and wadiah contracts on sharia compliance and the performance of sharia banking system through the Maqashid sharia index. The study employed the explanatory research design, aimed at explaining a causal relationship among variables using a quantitative approach. The Partial Least Square (PLS) model was used as the analysis method to answer the hypotheses of this study. The authors found out that increases and decreases in wadiah contracts did not influence the financial performance of sharia banks. Another finding also showed that Al-Bai’ and wadiah contracts and sharia compliance had a significant effect on the performance of public sharia banks. This result evidenced that the concept of an Islamic bank should be a mediator, which should neither allow profiting from the fund, nor should be used to invest in the real sector of various funding systems.

Indonesia is a developing country with many local cultures trying to continue increasing electronic transactions with e-Banking. UTAUT2 is the one of acceptance and use of the technology model. This study focuses on investigating the effect of Javanese cultural philosophy (local culture in Indonesia) on banking customer behavior in accepting and using banking transactions. This paper is supported by qualitative information, although it uses a quantitative approach. The Javanese cultural philosophy “Ojo Gumunan, Ojo Kagetan” was the main information before distributing the questionnaire as primary data. This model uses UTAUT2 and data analysis using PLS-SEM with SmartPLS. The main results reinforce the theory that the Javanese cultural philosophy “Ojo Gumunan, Ojo Kagetan” is a significant dominant factor in influencing behavior intention. The results of applying the UTAUT2 model show a variance of 86.4% for the endogenous variable behavioral intention and 72.4% for the endogenous variable use behavior to e-banking, which exceeds the value of the original model. Findings revealed that the variables of Javanese philosophy and promotion conditions have a significant effect on behavioral intentions. The facilitating condition variables, habit variables, and behavioral intentions variables on behavior using e-banking proved to affect significantly. This study aims to evaluate the model of acceptance and use of e-banking with a Javanese philosophical approach. The evaluation results show that Javanese philosophy is the main and dominant factor in the model. The contribution of this study can provide insights for practitioners and researchers that increasing non-cash banking transactions (less-cash society) through e-banking can use a local-cultural philosophical approach.

Acknowledgments
The authors appreciate cultural experts’ contributions, including Magnis Suseno, Didik Nini Thowok, Sujiwo Tejo, and members of the FGD in providing information about Javanese culture. The authors are grateful to all parties who have given their feedback and support in completing this paper.