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LUBIS, PAULINA
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Pengaruh Aksesibilitas, Kepercayaan, dan Fitur Layanan Terhadap Keputusan Nasabah Menggunakan Aplikasi Muamalat Din (Digital Islamic Network) (Studi Pada Nasabah Bank Muamalat Kota Jambi) Utari, Ramadhita Dwi; Lubis, Paulina; Aprizal, Yusuf Zaini
Najaha Iqtishod: Journal of Islamic Economic and Finance Vol. 7 No. 2 (2026): 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jief.v7i2.59578

Abstract

Penelitian ini bertujuan menganalisis pengaruh aksesibilitas, kepercayaan, dan fitur layanan terhadap keputusan nasabah menggunakan aplikasi Muamalat DIN pada Bank Muamalat KC Jambi. Penelitian menggunakan pendekatan kuantitatif dengan sampel sebanyak 96 nasabah pengguna Muamalat DIN yang dipilih melalui teknik simple random sampling. Data dianalisis menggunakan metode Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa aksesibilitas berpengaruh positif dan signifikan terhadap keputusan nasabah (t-statistic = 2,654; p-value = 0,008), kepercayaan berpengaruh positif dan signifikan (t-statistic = 4,119; p-value = 0,000), serta fitur layanan juga berpengaruh positif dan signifikan (t-statistic = 2,112; p-value = 0,035). Nilai R-square sebesar 0,675 menunjukkan bahwa aksesibilitas, kepercayaan, dan fitur layanan mampu menjelaskan 67,5% variasi keputusan nasabah dalam menggunakan Muamalat DIN. Temuan ini mengindikasikan bahwa kemudahan akses, tingkat kepercayaan yang tinggi, dan ketersediaan fitur yang sesuai kebutuhan menjadi faktor penting dalam mendorong penggunaan aplikasi Muamalat DIN.
Perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro-and small-enterprise owners in Jambi Amri, Ari Dean; Lubis, Paulina; Isnaeni, Nurida; Pratiwi, Heni; Silvera, Dica Lady; Suardi, Vivi Paramita
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 14 No. 3 (2026): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v14i3.50991

Abstract

This study examines the relationships between perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro- and small-enterprise owners in Jambi Province, Indonesia. It distinguishes respondents’ perceived knowledge of Islamic finance from their self-reported use of Islamic financial products and services. A quantitative cross-sectional design was employed, supplemented by follow-up semi-structured interviews to provide contextual insight into the quantitative findings. Survey data were collected from 149 women entrepreneurs operating micro and small enterprises with prior experience using Islamic financial services and were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). We then conducted follow-up semi-structured interviews with 12 purposively selected survey participants to contextualize the observed relationships. The results show that perceived Islamic financial knowledge and Islamic financial service utilization are both positively and significantly associated with women’s economic empowerment. Islamic financial service utilization exhibits the larger estimated association, suggesting that more extensive reported use of Islamic financial services is more closely associated with empowerment than perceived financial knowledge alone. Participants in the follow-up interviews described institutional reach, financing procedures, digital access, and business assistance as contextual conditions that may facilitate or constrain the use of Islamic financial services. By empirically distinguishing perceived financial knowledge from self-reported service utilization, this study provides a more precise account of their respective relationships with women’s economic empowerment. The findings suggest that practical Islamic financial education should be complemented by measures that facilitate the informed, sustained, and productive use of appropriate Islamic financial services among women-owned micro and small enterprises.
Co-Authors Aditya Pratama Alawi Amzah, Rudi Amri Amir Amri, Ari Dean AMRI, ARY DEAN Ananta Putri, Sashi Andayani, Regina Anggraini, Rizki Anzari, Tiza Aprizal, Yusuf Zaini Arfah, Arfah Chairiyati, Fauziah Darwisyah, Darwisyah Devi Rahmawati, Devi Enggraini Fitri, Luky Enggrani Fitri, Lucky Erfit Erfit Evalina Alissa dan Arrie Budhiartie Fitri, Lucky Enggraini Hajar, Tarisa Hasibuan, Maimunah Permata Hati Indah Nuraini, Indah Intan Intan Junaidi Junaidi Lucky Enggrani Fitri Muhammad Iqbal Musdalifah Musdalifah Nurdinia, Rahma Nurhasanah Nurhasanah Nurida Isnaeni Padlan, Muhammad Pahmi, Ismail Prasetio, Primadi Pratiwi, Heni Puspita, Duwi Putri, Ramadani Asriani Rafiki, Rafiki Rafiqi Ramadhani Surya, Natasya Ramansyah, Dian Raudhatul Jannah, Dhivani Ridhwan Ridhwan Ridhwan, Ridhwan Rizal, Muhammad Afitrah Roihan, Muhammad Rudianto Rudianto Sigit Indrawijaya Silvera, Dica Lady Suardi, Vivi Paramita Syukri Amri, Adi Ihsan Utari, Ramadhita Dwi Widiastuti, Fitri Wulansari, Astri Yantara Anggara, Nofri Yolanda, Mela Zami Aprizal, Yusuf