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All Journal Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi El-Qist : Journal of Islamic Economics and Business (JIEB) JIFTECH: Journal Of Islamic Financial Technology Journal of Islamic economics Perspectives (JIEP)
Ismail Pulungan
Pusat Perencanaan dan Pengembangan Sumberdaya Manusia, Badan Penyuluhan dan Pengembangan SDM Kementerian Kehutanan
Religion Humanities Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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Journal : JIFTECH: Journal Of Islamic Financial Technology

 1 
Analysis Bibliometrics Application of Technology Acceptance Model in Islamic Fintech Pulungan, Ismail; Ritonga, Juliani; Binti Abu Hasan, Nurul Widad
Journal of Islamic Financial Technology Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i2.13960

Abstract

ABSTRACT          The rapid advancement of technology has led to the emergence of Islamic fintech as an innovation in digital financial services with the potential to enhance financial inclusion. However, public understanding of its use remains limited, resulting in cases of misuse and losses for users and companies alike. This study aims to analyze the factors influencing the acceptance of Islamic fintech using bibliometric methods. Employing a qualitative descriptive approach, data was collected through the Publish or Perish software and analyzed using VOSviewer to map the development of research on the Technology Acceptance Model (TAM) in Islamic fintech. The findings reveal significant growth in Islamic fintech journal publications in 2020, with "fintech" being the most frequently used keyword. Furthermore, the author analysis identifies Rabbani as the primary contributor. Research on the application of TAM in Islamic fintech remains scarce, but this model has proven effective in predicting technology acceptance. By understanding the factors influencing technology acceptance, companies can develop better strategies to expand their user base and enhance consumer trust in their services. Keywords: TAM, Islamic Fintech, Bibliometric, VOSviewer
THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL INCLUSION AND FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF UMKM IN PADANGSIDIMPUAN CITY Pulungan, Ismail
Journal of Islamic Financial Technology Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i1.14445

Abstract

Financial performance problems in Micro, Small and Medium Enterprises (MSMEs) are generally related to the lack of management capabilities in managing working capital, which causes difficulties in measuring financial performance. Several factors that affect the financial performance of MSMEs include the quality of financial reports, financial literacy, financial inclusion and financial technology . The discussion of this study is related to the field of MSME financial performance science in relation to the theory that financial literacy affects the financial performance of MSMEs, financial inclusion affects the financial performance of MSMEs as well as Financial technology affects the financial performance of MSMEs. This research is a quantitative study. The data collection instrument uses a questionnaire with a sample size of 100 MSMEs. The analysis tools used are validity tests, reliability tests, classical assumption test analysis, multiple linear regression and hypothesis tests. The results of the study show that financial literacy (X1) affects the financial performance of MSMEs (Y). The financial inclusion variable (X2) does not affect the financial performance of MSMEs (Y). The financial technology variable (X3) affects the financial performance of MSMEs (Y). Meanwhile, simultaneously, the variables of financial literacy (X1), financial inclusion (X2) and financial technology (X3) have an effect on the financial performance of MSMEs (Y).
The Impact of GDP, Investment, and Inflation on Poverty in ASEAN-8 Countries: A Panel Data Analysis (2010–2023) Gunawan, Lalu Abu; pulungan, ismail; Malik, Feri Maulana
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17915

Abstract

This study examines the impact of Gross Domestic Product (GDP), investment, and inflation on poverty levels in eight ASEAN countries—Indonesia, Malaysia, the Philippines, Singapore, Thailand, Vietnam, Laos, and Cambodia—from 2010 to 2023. Despite rapid economic expansion in the region, poverty remains a persistent issue. Using panel data regression (Panel Least Squares) with 105 observations, the analysis assesses how these macroeconomic factors contribute to poverty reduction. The results show that the overall regression model is significant (Prob F-statistic = 0.000000), with an R-squared value of 0.3708, indicating that 37% of poverty variation is explained by GDP, investment, and inflation. Investment has the strongest and most significant negative effect on poverty (coefficient = –0.950933; p < 0.01), suggesting that higher investment effectively reduces poverty through job creation and productivity gains. GDP has a negative but insignificant effect (p = 0.0976), implying that economic growth alone does not automatically lower poverty without equitable distribution. Inflation shows a positive effect (coefficient = 0.747921; p = 0.0652), indicating that rising prices tend to worsen poverty by eroding purchasing power. These findings highlight the importance of promoting investment and maintaining price stability in ASEAN poverty-reduction strategies.
Cryptocurrency in the Modern Economic System: Analysis of Functions, Regulations, and Islamic Legal Perspectives Matondang, Zainal Abidin; pulungan, ismail
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17946

Abstract

The rapid advancement of digital technology in the era of the Fourth Industrial Revolution has significantly transformed global financial systems, including the emergence of cryptocurrency as a digital currency and asset powered by blockchain technology. Cryptocurrency introduces a decentralized, transparent, and efficient transaction system without reliance on a central authority. However, its existence raises substantial debate regarding its functions, legality, and compliance with Islamic economic principles. This study aims to analyze the concept of cryptocurrency, its functions and characteristics, regulatory frameworks in Indonesia, and Islamic legal perspectives on its use as both a medium of exchange and a digital commodity. This research employs a library research method with a descriptive-analytical approach, utilizing data sourced from books, academic journals, government regulations, and fatwas issued by the Indonesian Council of Ulama (MUI). The findings indicate that cryptocurrency can function as a medium of exchange and an investment asset, but its high price volatility positions it more as a speculative instrument. In Indonesia, cryptocurrency is not recognized as a legal means of payment but is permitted as a tradable commodity under the supervision of Bappebti. From an Islamic economic perspective, cryptocurrency is considered prohibited (haram) as a currency due to elements of gharar and dharar, but it may be traded as a commodity if it fulfills the principles of clear value, clear benefit, and legitimate ownership. This study concludes that the use of cryptocurrency requires strong regulatory control and careful consideration to align with economic stability and Sharia compliance.
Co-Authors Abu Gunawan, Lalu Alfadri, Ferri Asayesh, Hamid Binti Abu Hasan, Nurul Widad Elce, Furkan Gunawan, Lalu Abu Hutagalung, Muhammad Wandisyah R Lestari, Sry Malik, Feri Maulana Malik, Fery Maulana Matondang, Zainal Abidin Mhd Furqan Ritonga, Juliani Saparuddin Siregar