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All Journal Jurnal Al-Qardh Al-Qalam Revenue: Jurnal Manajemen Bisnis Islam Finansha: Journal of Sharia Financial Management Ekonomi Islam Indonesia Muslim Business and Economic Review International Journal of Waqf Review on Islamic Accounting Islamic Social Finance Likuid: Jurnal Ekonomi Industri Halal Islamic Economics Methodology Journal of Accounting Inquiry
Berakon, Izra
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences

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What Drives Students’ Intention to Use Islamic Banking Services? Evidence From a SEM-PLS Analysis Ridwan Alamsyah; Alya Azhana Maulidha; Muhamad Tanzi Maulana; Berakon, Izra
Likuid Jurnal Ekonomi Industri Halal Vol. 6 No. 1 (2026): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

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Abstract

The development of Islamic banking in Indonesia continues to grow however, the level of adoption among university students remains relatively limited. This phenomenon is particularly evident among students of the Faculty of Islamic Economics and Business (FEBI), who formally study Islamic economics and finance but do not necessarily use Islamic banking services in their daily financial activities. Understanding the factors that drive students’ intention to use Islamic banking services is therefore essential to support the expansion of the Islamic banking industry. This study aims to analyze the determinants influencing the intention of FEBI students to use Islamic banking services. A quantitative approach was employed using Partial Least Squares–Structural Equation Modelling (PLS-SEM), with data collected from FEBI students through a structured questionnaire. The results indicate that perceived ease of use has a significant effect on students’ intention to use Islamic banking services, while perceived usefulness, trust, social influence, and switching cost do not show significant effects. These findings suggest that ease of use plays a crucial role in encouraging FEBI students to adopt Islamic banking services. The study provides practical implications for Islamic banks to prioritize the development of user-friendly and accessible services to attract young consumers, particularly those with an academic background in Islamic economics and finance.
The Influence of Knowledge, Religiosity, and Promotion through Social Media on the Digital Cash Waqf Students Intention Lutfiyah, Elya Diyanatu; Berakon, Izra; Mansyur, Rizkia Amania
International Journal of Waqf Vol. 5 No. 1 (2025): International Journal of Waqf
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ijw.v5i1.743

Abstract

This study aims to analyze the influence of knowledge, religiosity, promotion through social media, and the level of trust of waqf institutions on the intention of students to waqf money digitally. This study also analyzes the influence of knowledge, religiosity, and promotion through social media on students' intentions to do waqf money digitally by mediating the level of trust of waqf institutions. The sampling techniques in this study are non-probability sampling, and the type of sample used in this study is purposive sampling, and the determination of the number of samples in this study is based on the Hinkin (1995), 110 samples were obtained. The analysis technique was carried out by PLS-SEM analysis with testing Outer model and Inner model Using Software SmartPLS 3.0. The results of this study were obtained that the variables of knowledge, religiosity, promotion through social media, and the level of trust of waqf institutions had a positive and significant effect on the intention of students to waqf money digitally. In addition, the variable level of trust of waqf institutions partially mediates the influence of the variables of knowledge, religiosity, and promotion through social media on the intention of students to do waqf money digitally.
The Impact of Islamic Financial Literacy, Perception of Convenience, and Hedonism on the Behavior of Muslim Students: A Multigroup Analysis Shofa, Devy Midayatus; Berakon, Izra
Islamic Social Finance Vol. 5 No. 2 (2025): Islamic Social Finance
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/isf.v5i2.742

Abstract

This study aims to examine the influence of Islamic financial literacy, perception of convenience, and hedonism on Islamic financial behavior in the use of digital wallets whether there is a difference in interest in using services between men and women. The source of data for this study is primary data obtained from distributing questionnaires, in this study as many as 190 respondents with the purposive sampling method. The object of this research is a Muslim student who lives in Yogyakarta. The analysis used in this study is PLS-SEM using WARP-PLS software with the gender Multi Group Analysis (MGA) method. The results of the study show that Islamic financial literacy has a significant positive effect on the behavior of using digital wallets. Meanwhile, the perception of convenience and hedonism have a significant positive effect on the behavior of using digital wallets. And there is no difference between men and women in the behavior of using digital wallets seen from the factors of Islamic financial literacy, perception of convenience, and hedonism.
Co-Authors Addini, Sabila Nur Adi Pradana, Mahatva Yoga Alya Azhana Maulidha Andani, Listia Anjaswati, Nur Deny Hidayat Hasan, Nadya Atiqoh Irsad, Agus Muhammad Kamal, Safwan Kharista, Salwa Dina Lu'liyatul Mutmainah Lutfiyah, Elya Diyanatu Mansyur, Rizkia Amania Muhamad Tanzi Maulana Muhammad, Nor Nabilla Pertiwi, Ruspita Rani Pradana, Mahatva Yoga Adi Ridwan Alamsyah Septiani, Alfian Nisa Shofa, Devy Midayatus Siti Nur Azizah, Siti Nur Zaymin, Haidarullah