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All Journal MANAJEMEN DEWANTARA
Miftahul Rifa’i
Universitas Widya Gama Malang
Economics, Econometrics & Finance

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PENGARUH SIKAP DAN NORMA SUBJEKTIF TERHADAP NIAT PENGGUNAAN SISTEM CASHLESS PAYMENT DENGAN SELF-EFFICACY SEBAGAI VARIABEL MEDIASI (Studi Pada Santri Pondok Pesantren Darussalam Mekar Agung Madiun) Miftahul Rifa’i; Muryati; Tatik Mulyati; Hanif Rani Iswari; Survival
MANAJEMEN DEWANTARA Vol 10 No 3 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

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Abstract

This study examines the effects of attitudes and subjective norms on students’ intention to use cashless payments, with self-efficacy as a mediator, at Darussalam Mekar Agung Islamic Boarding School, Madiun. Using a quantitative explanatory design, 254 students were selected from 694 students through proportionate stratified random sampling. Data were collected using five-point Likert questionnaires and analyzed using SEM-PLS with SmartPLS. Results show that attitudes and subjective norms positively and significantly influence self-efficacy, which significantly influences intention to use. Subjective norms also significantly influence intention directly, whereas attitudes do not. Self-efficacy fully mediates the effect of attitudes and partially mediates the effect of subjective norms on intention. The model explains 75.1% of the variance in intention and 68.8% in self-efficacy. These findings highlight self-efficacy as an important psychological mechanism linking attitudes and subjective norms to cashless payment intentions in Islamic boarding schools.
Co-Authors Hanif Rani Iswari Muryati Survival Tatik Mulyati