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All Journal KHITABAH: Khazanah Penelitian Perbankan Syariah
Akmaludin Akmaludin
STAI Putra Galuh Ciamis
Economics, Econometrics & Finance

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DETERMINASI MINAT MENGGUNAKAN FINTECH SYARIAH UMKM CIAMIS: INTEGRASI LITERASI DIGITAL DAN PERSEPSI KEMUDAHAN Ihrom Jaelani; Acim Acim; Akmaludin Akmaludin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.278

Abstract

This study aims to analyze and empirically test the effect of Islamic financial digital literacy and perceived ease of technology use, both partially and simultaneously, on the interest in adopting Islamic fintech among Micro, Small, and Medium Enterprises (MSMEs) in Ciamis Regency. The research approach used is causal associative quantitative. The population in this study amounted to 42,000 MSME units with a sample of 100 respondents determined through the Slovin formula using purposive sampling technique. Data collection was conducted using a Likert scale questionnaire. Data analysis was performed through classical assumption tests, multiple linear regression analysis, and hypothesis testing using IBM SPSS software. The results showed that partially, Islamic financial digital literacy had a positive and significant effect on adoption interest (t = 2.879; sig = 0.005). Similarly, the perceived ease of technology use proved to have a partial positive and significant effect (t = 11.257; sig = 0.000). Simultaneously, both variables significantly influenced the interest in adopting Islamic fintech (F = 94.860; sig = 0.000). The R Square value of 0.662 indicates that the contribution of Islamic financial digital literacy and perceived ease of technology use in explaining variations in Islamic fintech adoption interest in Ciamis Regency is 66.2%, while the remaining 33.8% is explained by other variables outside this research model. The conclusion of this study confirms that the readiness of Islamic cognitive capacity and the practicality of the application are the main determinants driving digital financial inclusion in the local MSME ecosystem.
DAMPAK LITERASI KEUANGAN SYARIAH DAN AKSESIBILITAS DIGITAL TERHADAP INKLUSI PERBANKAN SYARIAH CIAMIS Acim Acim; Akmaludin Akmaludin; Ihrom Jaelani
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.280

Abstract

This study aims to analyze and empirically test the effect of Islamic financial literacy and digital service accessibility, both partially and simultaneously, on Islamic banking financial inclusion among the community in Ciamis Regency. The research approach used is quantitative with a causal associative method. Since the exact population size is unknown, the minimum sample size was determined using the Cochran formula, which was then rounded to 100 respondents using a purposive sampling technique. Primary data collection was conducted through the distribution of a structured Likert-scale questionnaire. The collected data were analyzed using classical assumption tests, multiple linear regression analysis, and hypothesis testing with the assistance of IBM SPSS software. The results showed that partially, Islamic financial literacy had a positive and significant effect on Islamic banking financial inclusion (t = 2.702; sig = 0.008). Similarly, digital service accessibility proved to have a partial positive and highly dominant significant effect (t = 11.461; sig = 0.000). Simultaneously, both variables significantly influenced Islamic banking financial inclusion in Ciamis Regency (F = 96.330; sig = 0.000). The R Square value of 0.665 indicates that the combined cognitive contribution of Islamic financial literacy and digital accessibility infrastructure in explaining variations in Islamic banking financial inclusion is 66.5%, while the remaining 33.5% is explained by other variables outside this research model. The conclusion of this study confirms that expanding Islamic banking financial inclusion in semi-urban areas requires an absolute balance between strengthening the spiritual values of Islamic finance and providing reliable digital technology infrastructure.
EFEKTIVITAS ZAKAT PRODUKTIF DAN KUALITAS PENDAMPINGAN TERHADAP KEMANDIRIAN EKONOMI MUSTAHIK DI KABUPATEN CIAMIS Kikin Mutakin; Acim Acim; Akmaludin Akmaludin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.282

Abstract

This study aims to analyze and empirically test the effect of the effectiveness of productive zakat and the quality of mentoring, both partially and simultaneously, on the economic independence of mustahik in Ciamis Regency. The research approach used is quantitative with a causal associative method. The population in this study were mustahik recipients of the productive zakat program in Ciamis Regency with a sample of 100 respondents determined using the Slovin formula and purposive sampling technique. Data collection was carried out by distributing questionnaires with a Likert scale. Data analysis was carried out using classical assumption tests, multiple linear regression analysis, and hypothesis testing with the help of IBM SPSS software. The results of the study indicate that partially the effectiveness of productive zakat has a positive and significant effect on the economic independence of mustahik (t = 4.420; sig = 0.000). The quality of mentoring is also proven to have a positive and significant effect on the economic independence of mustahik (t = 7.102; sig = 0.000). Simultaneously, the effectiveness of productive zakat and the quality of mentoring significantly influence the economic independence of mustahik (F = 35.487; sig = 0.000). The R Square value of 0.423 indicates that the contribution of the effectiveness of productive zakat and the quality of mentoring in explaining the variation in economic independence of mustahik is 42.3%, while the remaining 57.7% is influenced by other factors outside the research model. The conclusion of this study confirms that the success of the mustahik economic empowerment program is not only determined by the effectiveness of productive zakat distribution, but is also greatly influenced by the quality of the mentoring provided. Therefore, the integration between appropriate business capital assistance and quality mentoring is an important factor in encouraging the realization of economic independence of mustahik in Ciamis Regency.
Co-Authors Acim Acim Ihrom Jaelani Kikin Mutakin