Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Santri : Jurnal Ekonomi dan Keuangan Islam
Gilang Syahananta Putra
Universitas Negeri Surabaya
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Analisis Pengaruh Persepsi Kemudahan, Kebermanfaatan, dan Kepatuhan Syariah terhadap Minat Penggunaan Aplikasi Investasi Emas Digital Gilang Syahananta Putra; Rachma Indrarini
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 5 (2026): Oktober: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i5.2738

Abstract

The development of financial technology has given rise to digital gold investment applications that make it easier for people to invest in gold in varying amounts. However, sharia financial literacy and inclusion in Indonesia remain relatively low. Previous studies have also focused mainly on knowledge, risk, and attitude, leaving limited research that examines perceived ease of use, perceived usefulness, and sharia compliance simultaneously. This study aims to analyze the effect of these three variables on the intention to use digital gold investment applications. A quantitative associative approach was employed. Data were collected through an online Likert-scale questionnaire from 170 prospective users selected by purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that perceived ease of use and sharia compliance have a positive and significant effect on intention to use, whereas perceived usefulness has no significant effect. The three variables explain 54.2% of the variation in intention to use, with sharia compliance having the strongest effect. These findings suggest that application providers should communicate their sharia compliance transparently and simplify the user process for beginners
Co-Authors Rachma Indrarini