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All Journal Journal of Business Management and Islamic Banking
Abdul Aziz Baihaqi
Department of Management and Quality Studies, Doctoral School of Social Sciences, Nicolaus Copernicus University, Torun, Poland
Economics, Econometrics & Finance Education

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The Role of Islamic Ethical Consideration in Shaping Artificial Intelligence Usage Behavior in Higher Education Satrio Tegar Sadewo; Abdul Aziz Baihaqi; Aditya Kumala Dewi
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.0501-01

Abstract

Purpose—This study aims to examine the effects of perceived usefulness, perceived ease of use, and Islamic Ethical Consideration on ChatGPT usage behavior among Muslim university students in Indonesia. Design/methodology/approach—A quantitative survey was conducted with 259 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test both direct and indirect relationships within an extended Technology Acceptance Model. Findings—The findings indicate that perceived usefulness significantly increases usage behavior (β = 0.241, p < 0.001). Perceived ease of use does not directly influence usage behavior (β = 0.065, p = 0.180) but shows a significant indirect effect through perceived usefulness (β = 0.119, p < 0.001). Islamic Ethical Consideration has a significant negative effect on usage behavior (β = −0.176, p = 0.006). Research implication/limitation—This study is limited by its cross-sectional design and sample concentration, and it implies the need for ethically grounded AI guidance in higher education and broader future research. Theoretical Contribution/Originality—This study extends TAM by showing that ChatGPT usage among Muslim students is shaped not only by functional perceptions but also by Islamic ethical considerations.
Co-Authors Aditya Kumala Dewi Satrio Tegar Sadewo