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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) JPS (Jurnal Perbankan Syariah)
Muliza
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education

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THE INFLUENCE OF FINTECH DEVELOPMENT ON INTEREST IN NON-CASH TRANSACTIONS AMONG THE MEULABOH COMMUNITY IN WEST ACEH Widasari; Muliza; Yoni Hendrawan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 3 (2026): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18919687

Abstract

The people of Meulaboh, West Aceh, continue to follow developments in information technology, as evidenced by the easy access to the internet in Meulaboh, West Aceh. Furthermore, a positive impact of technological developments in the financial sector is the ability to conduct cashless transactions through fintech. This study aims to examine the influence of fintech developments on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions. This study employed a quantitative research method, collecting data using questionnaires and analyzing data using simple regression tests. The results showed a significance value (Sig) of 0.000, lower than 0.05, and a t-value (t-count) of 24.113, greater than the t-table of 1.660. This concludes that fintech developments have a significant positive effect on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions.
THE INFLUENCE OF FINTECH DEVELOPMENT ON INTEREST IN NON-CASH TRANSACTIONS AMONG THE MEULABOH COMMUNITY IN WEST ACEH Widasari; Muliza; Yoni Hendrawan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 4 (2026): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20039122

Abstract

The people of Meulaboh, West Aceh, continue to follow developments in information technology, as evidenced by the easy access to the internet in Meulaboh, West Aceh. Furthermore, a positive impact of technological developments in the financial sector is the ability to conduct cashless transactions through fintech. This study aims to examine the influence of fintech developments on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions. This study employed a quantitative research method, collecting data using questionnaires and analyzing data using simple regression tests. The results showed a significance value (Sig) of 0.000, lower than 0.05, and a t-value (t-count) of 24.113, greater than the t-table of 1.660. This concludes that fintech developments have a significant positive effect on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions.
Customer Understanding of Fiat Money in BSI’s Hajj Savings with Mudharabah Contract in West Aceh Fitriana; Muliza; Hendrawan, Yoni
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2905

Abstract

Purpose - This study aims to examine the level of customer understanding of the use of fiat money in BSI Hajj savings with mudharabah contracts. Methods - The method used is quantitative with data analysis using univariate analysis. The results of the study indicate that Hajj savings customers in West Aceh have a good understanding regarding the use of fiat currency in Hajj savings using mudharabah contracts at BSI in West Aceh. Findings - The level of customer understanding of the use of fiat money in Hajj savings using mudharabah contracts at BSI in West Aceh is that those with elementary/secondary education are 3.9 and those with higher education are 4.00, this difference is very small (0.1/2.5%), this is in accordance with the results of the t-test which shows a sig. (2-tail) value of 0.122 > 0.05. The results of the t-test explain that there is no significant difference in the understanding of customers with low/medium education and customers with higher education. Implications - This study provides implications that the knowledge of Hajj savings customers about the legal status of the use of fiat money is very important for the perfection of the Hajj pilgrimage.
Co-Authors Fitriana Hendrawan, Yoni Widasari Yoni Hendrawan