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All Journal JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) JURNAL MANAJEMEN MOTIVASI Akuntabel : Jurnal Ekonomi dan Keuangan Interdisciplinary Social Studies Indonesian Journal of Business Analytics (IJBA) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Inspirasi Binsis dan Manajemen Journal of Governance, Taxation, and Auditing Journal Research of Social Science, Economics, and Management Indonesian Journal Economic Review (IJER) Journal of Sustainable Community Service IIJSE Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Greenation International Journal of Tourism and Management Jurnal Ekonomi, Manajemen, Akuntansi
Purdianto, Ario
Universitas Swadaya Gunung Jati, Cirebon, Indonesia
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Adoption of Islamic Gold Savings (Cicil Emas) at Bank Syariah Indonesia: A Behavioral Finance Perspective Nazwa Ananta Farliany; Ario Purdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze how perceptions of value, trust, and religiosity influence the decision to open an Islamic Gold Savings account at the Siliwangi Cirebon Branch of Bank Syariah Indonesia (BSI). The study employed a quantitative approach with an associative design and involved 160 respondents selected through purposive sampling. The research indicates that perceptions of values and trust significantly and positively influence the adoption of Islamic Gold Savings. Validity and reliability tests, classical assumption tests, and multiple linear regression with t- and F-tests were used to analyze the data using SPSS, while religiosity had a negative effect, indicating that highly religious customers tend to prefer the product. In general, economic principles, institutional beliefs, and religious factors influence the decision to adopt the product.
Pengaruh Literasi Keuangan dan Penggunaan Financial Technology terhadap Keputusan Pinjaman Online melalui Self-Control sebagai Variabel Mediasi pada Mahasiswa UGJ Khoerunisa , Salsabila; Purdianto, Ario
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.8964

Abstract

This study examines the influence of financial literacy and financial technology use on online loan decisions through self-control among students of the Faculty of Economics and Business, Universitas Swadaya Gunung Jati. Using a quantitative approach, data were collected from 200 students who had used online loan services and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that financial literacy and fintech use positively and significantly affect self-control and online loan decisions. Self-control also significantly mediates these relationships. These findings imply that improving financial literacy and strengthening self-control are essential to encourage more rational, responsible, and sustainable online loan decision-making among university students.
Co-Authors Agustina Agustina Aoliyah Firasati Aprilliyani, Andini Azzahra, Nadhira Benny Dhevyanto Caroline Eka Putri Oktaviani Citra Dwinata Dini Apriliani Dita Septiani Dwui Maharani , Indah Ersa Meilinda Erwin Budianto Geovivo Ahsanti Mukminawati Herdinadiatin, Lis Tatin Ita Janah Khoerunisa , Salsabila Lis Tatin Herdinadiatin Muhammad Syafi Romdony Mukminawati, Geovivo Ahsanti Nabil Maulana Nadhira Azzahra Nadhira Azzhara Nadia Sylviani Nazwa Ananta Farliany Nurhana Dhea Parlina Nurul Fitriyani Pratiwi Pratiwi , Lopa Raphael Frits Luhut Parulian Sihotang Rifkhotul Maula Rima Patricia Rosiliyah Siska Ernawati Fatimah Soleha Soleha Vivi Aprilia Maharani Wiwin Indri Astuti