Increasing Digital Sharia Banking Transactions in Completing Society Needs via EDC Machine and Laku Pandai (Personal Agent)

PURNOMO, ROCHMAT ALDY, Budiono, Arief, Fitriani, Ajeng Pipit, Santoso, Adi and HAMIDAH, CHOIRUL (2020) Increasing Digital Sharia Banking Transactions in Completing Society Needs via EDC Machine and Laku Pandai (Personal Agent). In: Proceedings of the 1st Borobudur International Symposium on Humanities, Economics and Social Sciences (BIS-HESS 2019), Universitas Muhammadiyah Magelang.

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Abstract

This conceptual paper is show that muslim society is more aware of the importance of sharia banking as a necessity. The Muslim society pays attention more to the usury consequences and risks when they are dealing with conventional banks because the interest provided by conventional banks is considered as a usury. Awareness of usury risks and sins against became one of the factors why Islamic banking increase in the majority Muslim society. However, the main problem of sharia banking is the access into public which is still very slow. It is compared with the conventional bank which has existed longer than sharia bank. This factor of access also influences the growth of sharia banking which is more slowly than the interest of the Muslim community in sharia banking. Sharia banking does not need to be glued to the old concept of adding access points (accessibility) by opening branches. The opening of branch office need high cost. Branch or subsidiaries are as operating expenses. The addition of accessibility by utilizing a handy EDC (Electronic Data Center) machine can be operated in mobile at the desired area or with personal agent (Laku Pandai) at much more affordable cost compared with the opening of new office, branch, and ATM machine. These two strategies significantly improve the accessibility of sharia banking that society needs. Sharia banking will become easier, faster and closer so that it will increase sharia banking transactions to fulfill the needs of the community.

Item Type:	Conference or Workshop Item (Paper)
Uncontrolled Keywords:	sharia banking transactions, EDC machine, Laku Panda
Subjects:	H Social Sciences > HB Economic Theory
Divisions:	Faculty of Economic
Depositing User:	Library Umpo
Date Deposited:	25 Apr 2022 01:13
Last Modified:	31 Aug 2023 09:37
URI:	http://eprints.umpo.ac.id/id/eprint/5649

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