Nur'aeni Nur'aeni
Universitas Ma'soem

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Determination of Attitudes and Intentions to Adopt Mobile Banking of Sharia Banking Customers in Greater Bandung: Technology Acceptance Model and Religiosity Approach Nur'aeni Nur'aeni; Badriyatul Huda; Adi Indradi Wazdi; Setiawan Setiawan
Journal of Islamic Economics and Business Vol. 5 No. 2 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i2.50373

Abstract

This study identifies key variables, such as perceived usefulness, ease of use, trust, and security, that influence attitudes toward mobile banking and their impact on adoption intentions. TAM has been widely used in previous studies, but few have examined how religiosity can moderate the relationship between these factors in the context of Islamic banking. By considering the Islamic values that underlie financial decision-making by Islamic customers, this study is expected to provide a more holistic understanding of technology adoption in Islamic banking. A survey was conducted with 209 respondents in Greater Bandung, and the data were analyzed using SEM-PLS. The results showed that perceived usefulness and ease of use significantly influenced attitudes toward mobile banking, while trust, security, and religiosity did not. However, religiosity proved to have a highly significant effect on adoption intentions, while attitude had no effect. These findings confirm that the adoption of Islamic mobile banking is more influenced by religiosity than by users' attitudes toward technology
PRODUCT DEVELOPMENT ASSISTANCE TO IMPROVE THE ECONOMY OF MSMES IN SUGIHMUKTI VILLAGE, PASIRJAMBU DISTRICT Ade Iskandar Nasution; Nur'aeni Nur'aeni; Mimin Mintarsih; Topan Setiawan; Nabi Muhammad A . S; Salma Alifiah
Jurnal Pemberdayaan Masyarakat Madani (JPMM) Vol. 9 No. 2 (2025): Jurnal Pemberdayaan Masyarakat Madani (JPMM) (DOAJ & SINTA 4 Indexed)

Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPMM.009.2.05

Abstract

In Sugihmukti Village, Pasirjambu District, the majority of the community relies on agriculture, plantations, and home-based businesses that produce various local products, including processed foods, traditional beverages, and handicrafts. This potential should be able to drive the village's economy; however, in practice, there are still various obstacles. Therefore, assistance in product development is needed to enhance the economy of MSMEs in Sugihmukti Village. The method used in this service is Oriented-Project Planning (OPP), where the implementation of the service focuses on planning development and executing programs to achieve specific goals. The stages of implementation in this service include the stages of socialization, training, technology application, mentoring, evaluation, and program sustainability. The results of the activities indicate that this program successfully enhanced the capacity of business actors through training, technology application, and more effective marketing strategies, resulting in products that are more innovative, of higher quality, and competitive; the positive impacts are evident from the increased market opportunities, strengthened cooperation networks, and the commitment to program sustainability that supports the continuous economic growth of the village.