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All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal AL-ARBAH: Journal of Islamic Finance and Banking
Baharuddin, Jukri
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Interest in Saving Students at Sharia Banks in Jayapura City, Papua Province Lestari, Irmalasari Duwi; Febriani, Hajrah Putri; Baharuddin, Jukri; Affandy, Fachrudin Fiqry
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 5 No. 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17966

Abstract

AbstractPurpose - This study aims to determine the effect of attitude variables, subjective norms and perceived behavioral control on the interest of IAIN Fattahul Muluk Papuan students in saving at Islamic banks.Method - This research is a quantitative study using multiple regression analysis method with three X variables and one Y variable where the data in this study were obtained from 70 students who were collected by distributing questionnaires.Result - The results of this study indicate that subjective attitudes and norms have no effect on students' interest in saving in Islamic banks. Only behavioral control has a significant effect on students' interest in saving in Islamic banks.Implication - This research has implications for controlling student behavior about Islamic banking by holding courses on Islamic banking that make students aware of banking products and services. Furthermore, to improve attitudes and subjective norms among students, so that the interest in saving at Islamic banks is further enhanced.Originality - This study saw firsthand that subjective attitudes and norms had no effect on students. Only behavioral control affects students so that later it can influence other students to save at Islamic banks.
Understanding The Drivers of Interest in Fintech Adoption: Examining The Moderating Influence of Religiosity Baharuddin, Jukri; Supriyanto, Achmad Sani; Siswanto, Siswanto; Ekowati, Vivin Maharani
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 3 (2023): JABM Vol. 9 No. 3, September 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.3.695

Abstract

Fintech is an innovation in financial services with the application of modern technology to introduce practicality, convenience, ease of access, and affordable costs. The purpose of this study was to examine the impact of attitudes, subjective norms, and behavioral control in the theory of planned behavior on interest in utilizing fintech, using religiosity as a moderation variable. This research is a quantitative study with explanatory research method to prove the research hypotheses. Data were gathered through the distribution of questionnaires to 570 respondents who had or were utilizing fintech, and analyzed using partial least squares (PLS). The findings revealed that attitudes, subjective standards, and behavioral control had a substantial impact on interest in utilizing fintech, while religiosity does not moderate the relationship between variables. As a result, fintech service providers are advised to increase positive assessments of the use of fintech services, to make use of social media, and to collaborate with influencers to hype up Indonesians' interest in using fintech. The research findings could be useful for increasing interest in utilizing fintech by engaging in tangible consumer financial and technology education that supports wider adoption of fintech. Keywords: planned behavior, subjective norm, behavioral control, fintech
Co-Authors Achmad Sani Supriyanto Affandy, Fachrudin Fiqry Febriani, Hajrah Putri Lestari, Irmalasari Duwi S Siswanto Vivin Maharani Ekowati