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All Journal Jurnal Al-Qardh Revenue: Jurnal Manajemen Bisnis Islam ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Finansha: Journal of Sharia Financial Management 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
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences Other

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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.
Examining e-commerce user’s switching intention through an extended push-pull-mooring model Yuliani, Irma; Nursalam, Annisa; Azizah, Siti Nur; Berakon, Izra
Asian Journal of Islamic Management (AJIM) VOLUME 8 ISSUE 1, 2026
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol8.iss1.art4

Abstract

Purpose – This study investigates the determinants of Indonesian e-commerce users’ intention toward productive digital behavior using the push–pull–mooring (PPM) model. It further integrates the Homo Islamicus perspective, the technology acceptance model (TAM), and the marketing mix to provide a more comprehensive explanation of this behavioral transition.Methodology – Primary data were collected from 231 Indonesian e-commerce users through an online survey using purposive sampling method. The eligible respondents were individuals who had actively engaged in online shopping. The proposed model was evaluated using a two-stage partial least squares structural equation modeling (PLS-SEM) approach.Findings – The results indicate that push factors, represented by impulse buying and Homo Islamicus attributes, do not significantly explain the switching intention toward productive digital behavior. In contrast, pull factors, including perceived usefulness, perceived ease of use, attitude toward e-commerce, and the marketing mix, significantly influenced switching intention. Mooring factors, including risk propensity, tolerance of ambiguity, and perceived educational support, also positively influenced switching intention.Implications – Encouraging productive digital behavior requires more than just reducing consumptive tendencies. Policymakers and e-commerce platform providers should strengthen digital entrepreneurship education, mentoring, and risk management support to enhance users’ readiness for productive digital activities.Originality – Previous e-commerce studies have primarily focused on purchase intention, online shopping adoption and impulse buying. This study extends the PPM model by explaining users’ switching intention from consumptive to productive digital behavior in the Indonesian e-commerce ecosystem.
Co-Authors Addini, Sabila Nur 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 Nursalam, Annisa Pertiwi, Ruspita Rani Pradana, Mahatva Yoga Adi Ridwan Alamsyah Septiani, Alfian Nisa Shofa, Devy Midayatus Siti Nur Azizah, Siti Nur Yuliani, Irma Zaymin, Haidarullah