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p-Index From 2021 - 2026
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All Journal TIJAB (The International Journal of Applied Business) JET (Journal of English Teaching) Adi Buana
Zakaria, Azfahanee
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Economics, Econometrics & Finance Education

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The Challenges Faced By Educators in Online Teaching during the Covid-19 Pandemic Outbreak Sabir Ahmad, Sarah; Mat Seman, Mhd Azmin; Zakaria, Azfahanee
JET ADI BUANA Vol 6 No 02 (2021): Volume 6 Number 02 October 2021
Publisher : English Education Department, Faculty of Teacher Training and Education, Universitas PGRI Adi Buana Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36456/jet.v6.n02.2021.4355

Abstract

Since the pandemic attack the whole world, various research has been conducted related to the challenges of online learning. Focus has always been on the issues faced by the students, but lack of research has been to done from the educators’ perspective. Therefore, this research aims to identify the issues and challenges faced by the educators in online teaching. The issues that the researchers identified are technology, lack of training and lack of tools and materials make it difficult for the educators to adapt with the changes from teaching in the physical classroom to a virtual classroom which exposes the educators to a new teaching environment and this imposed countless challenges. The research method that is used in this research is simple random sampling where the sample size of this study is around 30 educators which focus on the educators that engage in online teaching at the age range between 21 years old until 60 years old. The data was collected through a questionnaire and the questionnaire is divided into three different sections. The data analysis procedure used in this research is frequency analysis to offer the researcher to analyze the data of the questionnaire. It was identified majority of the respondents are facing challenges with online teaching which decrease their motivation and productivity and contribute to low satisfaction and outcomes in their delivery of lectures.
Sharia Pay Later Innovation in the Eyes of Generation Z: Does Brand Awareness Mediate the Effect of Sharia Religiosity and Financial Literacy on Trust? Mawardi, Fahmi Dwi; Oktavendi, Tri Wahyu; Zakaria, Azfahanee
TIJAB (The International Journal of Applied Business) Vol. 9 No. 2 (2025): NOVEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/tijab.v9.I2.2025.48592

Abstract

Background: Sharia Pay Later innovation is a special attraction in the development of the Sharia Fintech world. Generation Z, with unique characteristics and becoming the majority of the population in the future, will certainly respond differently to the Sharia Pay Later Innovation. Objective: This study aims to prove the Z Generation trust model on sharia pay later innovation associated with religiosity, sharia financial literacy, and the mediation role of brand awareness. Method: This study was designed using a quantitative-explanatory approach. A Structural Equation Model (SEM) analysis was used to test the model defined in this study. Results: In the research results, when researchers provide mediating factors using brand awareness, they have not found significant results on the influence of religiosity and trust. This is caused by Generation Z's religiosity factor, which is still not strong enough to influence individual trust. When using the Islamic financial literacy factor on Generation Z Trust through Brand Awareness, it is proven to be able to influence positively and significantly. Conclusion: Generation Z's religiosity cannot build trust in Sharia Pay Later Innovations. Generation Z tends to see the Brand from the Sharia Pay Later to be able to trust their new product. In essence, individual Islamic financial literacy increases brand awareness and creates a sense of trust or not to using the Sharia Pay Later Innovation by Generation Z. Keywords: Generation Z; Trust; Innovation; Sharia Pay Later; Islamic Financial Technology
Co-Authors Fahmi Dwi Mawardi Mat Seman, Mhd Azmin Sabir Ahmad, Sarah Tri Wahyu Oktavendi