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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Adabiyah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Muttaqien; Indonesian Journal of Multidiciplinary Islamic Studies El-kahfi : Journal of Islamic economics TAJDID: Jurnal Pemikiran Keislaman dan Kemanusiaan Robust: Research of Business and Economics Studies JSE: Jurnal Sharia Economica IIJSE Study of Scientific and Behavioral Management (SSBM)
Bin Sapa, Nasrullah
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Sharia Financial Literacy and Risk Perception on the Intention to Use Shopee Paylater in Generation Z with Religiosity as a Moderating Variable (A Study on UIN Alauddin Makassar Students) Nurhidayah, Nurhidayah; Muchlis, Saiful; Bin Sapa, Nasrullah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): 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.v8i3.7806

Abstract

This study aims to analyze the influence of Sharia financial literacy and risk perception on the intention to use Shopee PayLater among Generation Z students at UIN Alauddin Makassar, as well as to evaluate the role of religiosity as a moderating variable in this relationship. A quantitative approach using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method was employed. The sample consisted of 210 respondents, determined based on Hair’s conservative sample size approach. Data were collected through a questionnaire covering the variables of Sharia financial literacy, risk perception, intention to use, and religiosity. The results showed that Sharia financial literacy had no significant effect on the intention to use Shopee PayLater. In contrast, risk perception had a significant negative effect, indicating that the higher the risk perception, the lower the intention to use the service. The interaction between religiosity and Sharia financial literacy, as well as between religiosity and risk perception, did not show a significant moderating effect on the intention to use Shopee PayLater. Therefore, religiosity does not moderate the relationship between Sharia financial literacy or risk perception and the intention to use Shopee PayLater. This study provides theoretical contributions to the development and deeper understanding of Sharia financial literacy, risk perception, intention to use, and religiosity in the context of using PayLater-based digital financial services.
Strategi Pemasaran Funding Officer (Marketing Funding) Dalam Meningkatkan Minat Nasabah Pada PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare Bin Sapa, Nasrullah
Study of Scientific and Behavioral Management Vol 4 No 3 (2023): Financial Technology Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i3.16603

Abstract

ABSTRAK Adapun tujuan dari penelitian strategi pemasaran  Funding Officer (Marketing Funding) pada PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare dalam meningkatkan minat nasabah dan dampak strategi pemasaran dalam meningkatkan minat nasabah funding di PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare. Jenis penelitian yang digunakan adalah penelitian lapangan dengan sifat penelitian kualitatif. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan studi dokumen. Teknik analisis data yang digunakan adalah analisis deskriptif. Hasil penelitian yang didapatkan adalah strategi pemasaran marketing funding (funding officer) yang digunakan PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare dalam meningkatkan minat nasabah menggunakan strategi Bauran Pemasaran 7P yaitu: People (Orang), Phisical Evidence (Bukti fisik), dan Process (Proses). Dampak dari Strategi Pemasaran Funding Officer  (marketing funding) dalam meningkatkan minat nasabah Bank Tabungan Negara (Persero) Tbk. KCP Parepare yaitu masyarakat mulai mengetahui bahwa BTN itu sendiri tidak hanya bank yang menyediakan produk pembiayaan perumahan tapi juga menyediakan berbagai jenis produk funding, Pertumbuhan asset  meningkat, Pegawai (marketing funding) yang memiliki kinerja baik dan sesuai target akan diberikan reward atau bonus oleh pihak bank. Kata Kunci: Strategi Pemasaran, Funding Officer (Marketing Funding), dan PT Bank Tabungan Negara (Persero) Tbk. KCP Parepare.
Co-Authors AA Sudharmawan, AA Abdul Rizal, Abdul Abdul Wahab Aisyah Aisyah andi intan cahyani, andi intan Arsyadi, Baso Atika, Atika Rizki Cut Muthiadin Haddade, Abdul Wahid Hasbiullah, Hasbiullah Husain, Muhammad Zakir Jamaluddin Kamaruddin Kholid Albar Marwah, Andi Maulana Maulana Misbahuddin Misbahuddin Muhammad Afif Mukhtar Galib Nurhidayah Nurhidayah Rachma Febriyanti Rahman Ambo Masse Saiful Muchlis, Saiful Siradjuddin, Siradjuddin Solly Aryza Sri Wahyuni Syarif As'ad, Muhammad Syatar, Abdul Trimulato Trimulato, Trimulato