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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Aghniya: Jurnal Ekonomi Islam Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Al-Sharf: Jurnal Ekonomi Islam IIJSE
Ismail, Abdul Hadi
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Religion Economics, Econometrics & Finance

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Technology Acceptance Model, Halal MSMEs Intention in Using QRIS Pradesyah, Riyan; Khairunnisa, Khairunnisa; Ismail, Abdul Hadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4014

Abstract

The use of QRIS in the payment system used by halal MSMEs, there are still many limitations and problems that often arise, so in this case, researchers try to construct the Technology Acceptance Model theory, and Theory of Planned Behaviour, which aims to see the extent of its influence on the intensity of halal MSMEs in using QRIS. This research is quantitative research, with the SmartPLS analysis tool. The object of research is Halal MSMEs in the city of Medan. The questionnaire distribution uses two methods, namely online and offline. As for what is obtained, the X1 variable (Technology Acceptance Model) has a non-significant effect on variable Y (MSME intensity using QRIS) is 1.476 or 14.76%. Then the X2 variable (Theory of Planned Behavior) has a significant effect on Y (Intensity of halal MSMEs using QRIS) is 7,245 or 72.45%.
Sharia Mental Accounting in The Development of Halal MSMEs for Generation Z in Medan City Ismail, Abdul Hadi; Pradesyah, Riyan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3952

Abstract

Currently, the government has focused on economic recovery, after the spread of the covid 19 virus that hit the country of Indonesia. One of the instruments taken by the government to improve or restore the economy is by developing MSMEs. In this digital era, the government is developing digital-based MSMEs, so for this reason, the government’s target in this case is MSMEs managed by Generation Z, who understand digitalization. Along with the development of digital-based MSMEs, there are several obstacle factors faced, such as a lack of understanding of financial management, overloading raw material purchases, combining business money with daily money, and the high consumptive level of generation Z. These problems have resulted in many MSMEs that are managed by generation Z. This problem has resulted in many MSMEs managed by generation Z experiencing bankruptcy to bankruptcy, for this reason, sharia mental accounting is needed in building halal MSMEs in generation Z. This study aims to obtain a mental accounting model in building halal MSMEs in Medan City. The research approach used is quantitative, with the SmartPLS analysis tool, with Islamic financial literacy as a mediating variable. The results obtained that mental accounting affects the development of halal MSMEs for Generation Z through financial literacy as a mediating variable. Then Mental accounting from the Maqasid Sharia perspective has a significant effect on the development of halal MSMEs in Medan City through Islamic financial literacy as a mediating variable. Future research is expected to use other mediation variables that can influence Generation Z in developing Halal MSMEs.
Planned Behavior in Supporting Cashless Society in Sharia Financial Institutions Pradesyah, Riyan; Ismail, Abdul Hadi; Adawiyah, Robiatul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4943

Abstract

The development of non-cash payments is currently continuing to grow in Indonesia, many applications continue to develop their applications towards a cashless society, but many people and MSMEs are still reluctant to use the non-cash payment system, due to several factors that they consider to be very detrimental to users or providers. non-cash payments. This research aims to examine attitude variables, subjective norms, and behavioral control on the behavior of halal MSMEs in using non-cash payments through interest variables. The approach used in the research is a quantitative approach, with the SmartPLS analysis tool. The results obtained show that the attitude variable (X1) influences the behavior of MSMEs in using non-cash payments (Y) through the interest variable (Z). The subjective norm variable (X2) does not affect MSME behavior in using non-cash payments (Y) through the interest variable (Z). The behavioral control variable (X3) influences the behavior of MSMEs in using non-cash payments (Y) through the interest variable (Z).
Co-Authors Ardha, Vanya Khairunnisa Khairunnisa Pradesyah, Riyan Robiatul Adawiyah Syahirah, Salma