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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Resona : Jurnal Ilmiah Pengabdian Masyarakat Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen STIE Muhammadiyah Palopo Journal of Economic, Bussines and Accounting (COSTING) Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi Jurnal Manajemen Strategi dan Aplikasi Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JURNAL EKSBIS BALANCE: Economic, Business, Management and Accounting Journal Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Jurnal Fokus Manajemen Bisnis Community Empowerment Jurnal Ekonomi Bima Journal : Business, Management and Accounting Journal Journal of Government Science (GovSci ) : Jurnal Ilmu Pemerintahan International Journal of Management Science and Information Technology (IJMSIT) Jurnal Inovasi Bisnis Indonesia (JIBI) Jurnal Pengabdian kepada MASyarakat (J-PMAS) Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Simki Economic
Goso , Goso
Universitas Muhammadiyah Palopo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : Jurnal Simki Economic

 1 
Adopsi Pembayaran Mobile dan Peningkatan Konsumsi Rumah Tangga: Peran Mediasi Inklusi Keuangan Digital di Indonesia Rusmulya, Muthia Salsabillah; Goso, Goso; Duriani, Duriani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1549

Abstract

This study aims to analyze the mediating role of digital financial inclusion in the relationship between mobile payment adoption and increased household consumption in Indonesia. The method used is a quantitative approach with an explanatory research design, involving 400 respondents spread across various regions of Indonesia and selected through stratified random sampling. Data were collected through online and offline questionnaires, then analyzed using Structural Equation Modeling (SEM) with bootstrapping techniques. The results show that mobile payment adoption has a positive and significant effect on digital financial inclusion (β = 0.582; t = 12.516; p < 0.001), digital financial inclusion has a positive and significant effect on household consumption (β = 0.561; t = 9.461; p < 0.001), and mobile payment adoption has a direct effect on household consumption (β = 0.249; t = 4.816; p < 0.001). Furthermore, digital financial inclusion was shown to partially mediate the relationship between mobile payment adoption and household consumption, with an indirect effect coefficient of 0.326 (VAF = 56.7%). This finding implies that a strategy to expand digital financial inclusion based on mobile payments is an effective policy instrument for driving increased domestic consumption and national economic growth.
Literasi Keuangan Islam, Kesiapan Teknologi, dan Komitmen Religius: Penentu Adopsi Fintech pada Kalangan Dewasa Muda di Indonesia Said, Tiara Dwitiya; Goso, Goso; Kamaruddin, Yusuf
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1551

Abstract

Indonesia is a country with the largest Muslim population and high internet penetration, but the number of young adults using Islamic fintech remains low at 23%. To predict the adoption of Islamic fintech by young Indonesian adults, this study developed and tested the Islamic Technology Acceptance Model (I-TAM). Data were collected from 400 Muslim respondents aged 18 to 35 years old through a structured questionnaire. A cross-sectional survey design was used using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results showed that technological readiness was the strongest predictor of Islamic fintech adoption (β=0.522, p<0.001), followed by Islamic financial literacy (β=0.330, p<0.001), and religious commitment (β=0.103, p<0.001). A key finding is that the dual moderating role of religious commitment weakens the effect of Islamic financial literacy (β=-0.147, p=0.008) but strengthens the effect of technological readiness (β=0.190, p<0.001). More than the conventional TAM model, the I-TAM model explains 58.4% of Islamic fintech adoption. This study suggests that for young Indonesian Muslims, religiosity and technological modernity can coexist well, with technology serving as a means of practicing religious values ​​in the technological era.
Income and Household Consumption Uncertainty After the COVID-19 Pandemic Crisis: The Moderating Role of Financial Attention and Liquid Wealth Evidence from Indonesia Khaerunnisa, Resky; Goso, Goso; Jasman, Jumawan
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1546

Abstract

This study analyzes the impact of income uncertainty on household consumption in Indonesia after the COVID-19 pandemic, emphasizing the moderating roles of financial attention and liquid wealth. Using a quantitative design, we examine secondary data from official Indonesian sources for 2022 to 2024 through multiple regression and Moderated Regression Analysis. The results indicate that income uncertainty significantly reduces household consumption (β = -1.872, p < 0.01). Financial attention (β = 0.456, p < 0.05) and liquid wealth (β = 0.512, p < 0.05) significantly moderate this relationship by weakening the negative effect of uncertainty. Households with higher financial attention and greater liquid assets show stronger consumption resilience. These findings underline the need to strengthen financial literacy and expand access to liquid financial instruments. The study extends Precautionary Saving Theory by integrating behavioral and structural moderators in an emerging market crisis context.
Dampak Perbankan Syariah Digital terhadap Partisipasi Cash Waqf di Kalangan Mahasiswa Muslim: Peran Mediasi Literasi Digital di Indonesia Annisa, Annisa; Goso, Goso; Duriani, Duriani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1570

Abstract

Potensi wakaf tunai Indonesia diperkirakan mencapai 180 triliun rupiah per tahun, namun tingkat realisasi pengumpulannya masih di bawah 1,3 persen. Penelitian ini mengkaji sejauh mana perbankan syariah digital mampu menjembatani kesenjangan tersebut dengan memperkuat partisipasi wakaf tunai mahasiswa Muslim di Indonesia, serta menelaah peran mediasi literasi digital dalam hubungan tersebut. Kuesioner terstruktur dan diaadministrasikan kepada 400 mahasiswa Muslim yang berasal dari universitas-universitas di lima wilayah Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei cross-sectional. Kuisioner terstruktur dan diaadministrasikan kepada 400 mahasiswa yang berasal dari universitas pada lima wilayah di Indonesia. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui SmartPLS 4.0. Tiga temuan utama dihasilkan. Pertama, perbankan syariah digital memberikan pengaruh positif yang signifikan terhadap partisipasi wakaf tunai (β = 0,532, p < 0,001). Kedua, perbankan syariah digital meningkatkan literasi digital pelajar (β = 0,487, p < 0,001). Ketiga, literasi digital yang lebih tinggi berhubungan dengan partisipasi wakaf tunai yang lebih besar (β = 0,383, p < 0,001). Literasi digital berfungsi sebagai mediator parsial yang mencapai 26 persen dari total efek, beroperasi melalui kemudahan transaksi langsung dan peningkatan kapabilitas digital. Model struktural menjelaskan 63,4 persen varians partisipasi wakaf. Ditemukan kesenjangan kritis antara niat berdonasi (rerata 3,67) dan perilaku donasi aktual (rerata 2,34). Temuan ini memperkaya teori dengan menunjukkan bahwa penerapan teknologi dalam keuangan Islam melibatkan dimensi utilitas instrumental sekaligus pembangunan kapasitas. Implikasi praktis mencakup integrasi fitur wakaf ke dalam aplikasi perbankan dan penyelenggaraan program literasi digital berbasis kampus guna memaksimalkan potensi mobilisasi wakaf Indonesia.
Co-Authors Adil Adil Adinda Tasya Salsabilla Anwar Adri, Khaeriyah Amriani Amriani Andi Ayu Nurnawati Annisa Annisa Antong Antong Antong, Antong Anwar, Suhardi M. Asmawati Asmawati Asriany Asriany Aswidy Wijaya Cipta Bidasari Chichi Pratiwi Duriani Duriani Duriani Duriani Duriani, Duriani Dwi Cinta Lestari, Cinta Lestari Eka Eka Elva Amrin Erna Erwin Noki Fitriani Khairunnisa Fitriani S Fitriani S H. Halim Palatte Hartina, Hartina Hijrah Febriana Utami Hikma Ramadani Husmaruddin Husmaruddin, Husmaruddin Ibrahim Halim Ibrahim Halim Imam Pribadi Imran Ukkas Indra Kusdarianto, Indra Indriani Indriani Jumawan Jasman Juwandariah Jubir Kamaruddin, Yusuf Khaeriyah Adri Khaerunnisa, Resky Kurnia Kurnia M. Halim Palatte M. Risal Milda Yanti Muh Halim Muh. Farhan Muh. Halim Muh. Halim Muh. Halim Muh. Halim Palatte Muh. Halim Palatte, Muh. Halim Muhammad Ikbal Muhammad Ikbal Muhammad Yunus Amar Muhammad Yusuf Musran Munizu Mustafa Muhani Mustanir, Ahmad Nersa Nur Fadila Nurnawati, Andi Ayu Nursyamsih Husma Sam Nurul Azikin Pajarianto, Hadi Peri Herdiansyah Putri Handayani Rahma Eka Putri Rahmad Solling Hamid Rahmawati, Rahmawati Rasyid, Nugraha Rismawati Rismawati Rismawati Sudirman Riswandi Paradi Rusmulya, Muthia Salsabillah Said, Tiara Dwitiya Salju Salju Samsul Bachri Sari Ratna Dewi Siska Handayani Syamsu Alam SYAMSU ALAM Widiyanti, Wika Winanda, Winanda Wisnu Kurniadi Wulandari Wulandari Yulia Wiranti Yuliana Dahman Zikra Supri