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All Journal Journal of Islamic Economics and Finance International Journal of Islamic Business and Economics (IJIBEC)
Nur Fitri Hidayanti
University of Muhammadiyah Mataram
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Determinants of Islamic E-Wallet Adoption Among University Students: Evidence from Digital Islamic Literacy and Social Influence Ainun; Nur Fitri Hidayanti; Zaenafi Ariani; Magomed Tazhdinov
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i2.12964

Abstract

This study aims to analyze the relationship between Islamic digital literacy and social influence on the acceptance of Islamic digital wallets among students, as well as to examine the role of Islamic digital literacy as a factor that strengthens this relationship. The method used is quantitative with a survey approach of 54 Muhammadiyah University Mataram students selected at random. The instrument used was a five-point Likert questionnaire, with data analysis using descriptive tests, normality tests, multiple linear regression, and ANOVA through IBM SPSS. The results of the study indicate that Islamic digital literacy (X1) and social influence (X2) have a positive and significant effect on students' interest in using Islamic digital wallets (Y1), with an R² value of 0.651 and significance p < 0.001, and the largest contribution came from social influence (β = 0.443) compared to Islamic digital literacy (β = 0.434). These findings confirm that Islamic digital literacy and social influence simultaneously increase the acceptance of sharia-based financial services. Practically, the research results provide a basis for strengthening strategies for education and promotion of digital Islamic financial literacy, as well as the integration of a social influence-based approach to expand Islamic financial inclusion among the younger generation.
PERAN KEUANGAN SOSIAL ISLAM DALAM MEWUJUDKAN TUJUAN PEMBANGUNAN BERKELANJUTAN (SDGS): TINJAUAN LITERATUR KOMPREHENSIF Kartina Kartina; Baiq Indah Mega; M. Putra Wibisono; Nur Fitri Hidayanti
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2025): Mei
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/joieaf.v1i4.2313

Abstract

Keuangan Sosial Islam (Islamic Social Finance/ISF) merupakan instrumen strategis dalam mendukung pencapaian Tujuan Pembangunan Berkelanjutan (SDGs) melalui mekanisme distribusi kekayaan yang adil dan pemberdayaan masyarakat berbasis prinsip maqāṣid al-sharīʿah. Studi ini bertujuan untuk menganalisis peran ISF dalam merealisasikan SDGs melalui pendekatan integrative review terhadap literatur relevan periode 2015–2024 yang diperoleh dari database Google Scholar, DOAJ, Scopus, dan SciSpace. Hasil kajian menunjukkan bahwa ISF, khususnya melalui zakat, wakaf, sadaqah, dan qard al-hasan, berkontribusi nyata terhadap 11 dari 17 tujuan SDGs, terutama pada aspek pengentasan kemiskinan, pendidikan, kesehatan, dan inklusi keuangan. Namun demikian, efektivitas ISF masih terhambat oleh disparitas regulasi, minimnya inovasi teknologi, serta kurangnya integrasi kelembagaan. Kajian ini menyoroti pentingnya digitalisasi dan sinergi multi-stakeholder sebagai strategi akseleratif. Temuan juga mengungkapkan kebutuhan mendesak akan penelitian lanjut pada instrumen non-mainstream serta penguatan tata kelola untuk meningkatkan kontribusi sistemik ISF. Studi ini merekomendasikan perumusan kebijakan kolaboratif dan inovatif untuk memaksimalkan peran ISF dalam pembangunan global yang berkeadilan dan berkelanjutan.
Co-Authors Ainun Baiq Indah Mega Kartina Kartina M. Putra Wibisono Magomed Tazhdinov Zaenafi Ariani