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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi EKOBIS SYARIAH
Haridhi, Hafiz Mubarraq
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences

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THE ROLE OF VIRTUAL ULAMA EXPOSURE IN ISLAMIC BANKING INTENTIONS AMONG INDONESIAN MUSLIM YOUTH sumaiya, Naili; Mansor, Fadillah; Mandalia, Siska; Haridhi, Hafiz Mubarraq
Assets: Jurnal Ekonomi, Manajemen, dan Akuntansi Vol 16 No 1 (2026): Assets : Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/assets.v16i1.67260

Abstract

Purpose - This study investigates the determinants of Islamic banking intention among Indonesian Muslim youth by examining the effects of wasatiyya values, Islamic financial literacy, and exposure to virtual ulama. Methods - A quantitative cross-sectional survey was conducted using an online questionnaire. Of the 309 responses collected, 103 valid responses were retained after systematic screening and data-cleaning procedures. Multiple linear regression was employed to examine the relationships between the independent variables and Islamic banking intention. Findings - The findings indicate that exposure to virtual ulama has a significant positive influence on Islamic banking intention, whereas wasatiyya values and Islamic financial literacy do not exhibit significant direct effects. These results suggest that digitally mediated religious authority plays a more influential role than ethical orientation and financial knowledge in shaping Islamic banking intention among Muslim youth. Research Implications - The study implies that policymakers, Islamic financial institutions, and educators should strengthen collaboration with credible digital religious influencers to enhance Islamic financial awareness and promote Islamic banking adoption. Originality - The originality of this study lies in integrating virtual ulama exposure with Islamic financial literacy and wasatiyya values to explain Islamic banking intention within the context of Indonesian Muslim youth.
Evaluating The Awareness and Usability of QRIS Payment Method Among Indonesian Travelers in Integrated ASEAN Countries (A View of Past, Present, and Future Usage) Sumaiya, Naili; Haridhi, Hafiz Mubarraq; Indonesian, Indonesian
EKOBIS Syariah Vol. 9 No. 2 (2025): Advancing Islamic Economic Ecosystems: Strategies for Sustainable Finance, Digi
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v9i2.32636

Abstract

This study examines the awareness and usability of the Quick Response Code Indonesian Standard (QRIS) among Indonesian travelers in ASEAN countries by analyzing past, present, and future usage patterns. Introduced by Bank Indonesia in 2019, QRIS is a unified digital payment system designed to support financial inclusion and facilitate cross-border transactions. A mixed-method approach was employed, combining quantitative surveys and qualitative interviews to explore travelers’ awareness, experiences, and future intentions regarding QRIS usage abroad.  Findings from Malaysia, Singapore, and Thailand indicate that while Indonesian travelers exhibit a moderate level of awareness of QRIS, actual usage remains limited, with 74% of respondents reporting that they have never used QRIS during travel. Survey results reveal key barriers including technical and connectivity issues, limited merchant acceptance, and a strong preference for cash or card payments. These results are reinforced by interview findings, which show that many travelers, particularly from non-urban backgrounds, were unaware of QRIS usability abroad, while those who attempted to use it experienced accessibility and transaction failures, leading them to revert to traditional payment methods. Despite these challenges, both survey and interview data indicate growing interest in cashless payments, suggesting opportunities to increase QRIS adoption through improved infrastructure, expanded merchant networks, and targeted socialization and education initiatives. The study provides policy-relevant insights for strengthening cross-border payment integration and digital financial inclusion in ASEAN.
Co-Authors Indonesian, Indonesian Mansor, Fadillah Siska Mandalia Sumaiya, Naili