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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam SENTRALISASI Martabe : Jurnal Pengabdian Kepada Masyarakat Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Proaksi Jurnal Pendidikan dan Konseling Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) CERMIN: Jurnal Penelitian Hikmah JURMA : Jurnal Program Mahasiswa Kreatif JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Bisnis Net : Jurnal Ekonomi dan Bisnis Al-Fikru: Jurnal Ilmiah Jurnal Akuntansi AKTIVA Manajemen dan Bisnis Wiga : Jurnal Penelitian Ilmu Ekonomi EKSYA: Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam Indonesian Journal of Islamic Economics and Finance Jurnal Ekonomi Islam Trending: Jurnal Manajemen dan Ekonomi Jurnal Riset Akuntansi Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Social Science Academic Jurnal Ilmiah Ekonomi dan Manajemen Journal of Islamic Economics and Finance Jurnal Penelitian Pendidikan Indonesia Proceeding International Conference on Islamic Economics Community Services Jurnal Cendekia Ilmiah Ulil Albab Jurnal Pengabdian Masyarakat Indonesia MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Imsar Imsar
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : sentralisasi

 1 
The Influence of Perceived Usefulness, Ease of Use, and Sharia Financial Literacy on QRIS Users: A Case Study of UINSU Student MSMEs Mas Imam Temuju; Imsar Imsar; Nur Ahmadi Bi Rahmani
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5356

Abstract

The purpose of this study is to examine how MSME actors who are UINSU students use QRIS in relation to perceived utility, perceived ease of use, and Islamic financial knowledge. 26,512 current students from the 2022 cohort make up the research population, and 100 responders were chosen proportionately from each faculty. The approach used is quantitative with SEM-PLS to test causal relationships between variables. The study's findings indicate that while Islamic financial literacy has no discernible impact on QRIS adoption, perceived utility and simplicity of use do. Perceived usefulness is the most dominant factor because students feel the efficiency of transactions, ease of record-keeping, and increased business professionalism. Perceived ease of use also plays an important role in reducing technological barriers. On the contrary, Islamic financial literacy has not yet become a determinant of usage. The implication is that the adoption of QRIS needs to be focused on strengthening benefits and convenience as well as more practical and contextual Islamic financial learning. 
Triple Impact Model: Analysis of the Influence of Entrepreneurship Courses, Social Media Influencers, and E-Commerce on the Entrepreneurial Behavior of Febi Uinsu Students Nona Mardiana Siregar; Zuhrinal M Nawawi; Imsar Imsar
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5774

Abstract

The transformation of the digital economy has reshaped the way students develop entrepreneurial orientation. This study aims to analyze the influence of entrepreneurship education, social media influencers, and e-commerce on the formation of students’ digital entrepreneurial aspirations and orientation within the framework of the Triple Impact Model. Unlike previous studies that tend to examine these factors separately, this research integrates them into a single conceptual model that positions student entrepreneurship as a digital aspiration construct formed through the convergence of educational institutions, platform symbolism, and technological infrastructure. The study employed a quantitative approach using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with 150 students from the Faculty of Economics and Islamic Business (FEBI), State Islamic University of North Sumatra (UINSU), who had completed entrepreneurship courses. The findings reveal that all three variables have a positive and significant effect on digital entrepreneurial aspirations, with social media influencers emerging as the most dominant determinant. The model demonstrates strong explanatory power, with a coefficient of determination (R²) of 0.741. These findings confirm that the formation of entrepreneurial aspirations among the digital generation is platform-mediated, symbolically constructed, and technologically enabled. This study contributes to the development of entrepreneurship education literature by proposing an integrative model that reflects the dynamics of entrepreneurial orientation formation within the context of the digital economy and Islamic economics education.
Co-Authors Adil Alfarizi Nasution Aditya Dwipa Alkanzu Afriani Afriani Ahmad Faiz Rantisi Al farizi Kurniawan Alfi Andriansyah Harahap Alfi Ardiansyah Harahap Alwi Akbar Amnah Faridah Hasibuan Andri Soemitra Annisa Suci Ramadhani Annisa Zuhra Arifin Fauzi Lubis Arya Farhan Asmuni Asmuni Atika Atika Atika Atika Azizah Mudrikah Bintang Akbar Azhari Cintia Indriyani Dewi Anna Sari Harahap Dicky Aris Munanda Meliala Dinda Puspita Tito erlina mayasari siregar Eza Okhy Awalia Br Nasution Ezika Aquilera Sitio Fahmi Reja Sitepu Fikry Haikal Fitri Sagita Franaya Al Arfa Gita Nurul Fitri Damanik Harahap, Muhammad Ikhsan Husdiana Husdiana Ihsan Rahmadi Wijaya Indah Wahyu Prastiwi Isnaini Harahap Jannah, Nurul Juliana Nasution Kamilah, K Khairunnisa Khairunnisa M syahputra sinaga M. Ali Akbar Siregar M. Syahbudi Marliyah Mas Imam Temuju Muhammad Dimas Prasetya Munafi’atul Husna Rangkuti Mutiara Alif Fadillah Nabil Al Arif Nabila Lubis Nawwir Ar Rasyid Sulaiman Nona Mardiana Siregar Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Hamidah Nur Hasanah Nurbaiti Nurbaiti Nurhayati Nurhayati Nurhayati Tariani Praba Baskara Nasution Purnama Ramadani Silalahi Putri Nurul Zulia Lubis Rahmad Ramadhan Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Reni Ria Armayani Hasibuan Reza Andhika Pramana Rifki Nanda putra Lubis Risna Ina Dewi Sari Maharani Arifianti Satria Lam Syafi’i Simamora Sinta Pitriyanti Siti Aisyah Siti Masitha Syafira Sardini Tambunan, Khairina Tiara Ermelia Tiara Fitriani Fadilah Tri Inda Fadhila Rahma Tuti Anggraini Ujang Sumarwan Wahyu Destriyansah Wildan Fauzi Harahap Willia Wahyuni Yeni Yolanda Yoesrizal Muhammad Yoesoef Zsasa Aulia Hubara Zuhrinal M. Nawawi