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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ekonomi Islam Jurnal Inovasi Pendidikan Ekonomi JURNAL EKONOMI SYARIAH Jurnal Ekonomi Islam HUKUM EKONOMI ISLAM
Mitra Sami Gultom
Univ. Muhammadiyah Prof. DR. Hamka
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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A THE EFFECT OF FINANCIAL LITERACY, TECHNOLOGY LITERACY, AND LYFESTYLE ON THE USE OF ELECTRONIC MONEY (CASE STUDY OF ISLAMIC BANKING STUDENTS IN JAKARTA) Mitra Sami Gultom; Ainul Latif
Ekonomi Islam Vol. 13 No. 2 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v13i2.10378

Abstract

The current study aims to determine the effect of financial literacy, technology literacy, and lifestyle on the use of electronic money on Islamic Banking students. The type of this study is a quantitative approach using a descriptive technique. The method used in the study was distributing questionnaires to 91 students who enroll Islamic Banking course in Jakarta who use electronic money. Further, non-probability sampling and purposive sampling methods were applied to yield the data. Processing the data were then calculated by SPSS 25 and Microsoft Excel. The data analysis utilized a Multiple Linear Regression Analysis. The results of this study indicate that financial literacy, technological literacy and lifestyle simultaneously have positive and significant effects on the use of electronic money. The partial test shows that the financial literacy variable (X1) does not have a significant effect on the use of electronic money (Y), while the technological literacy variable (X2) has a positive and significant effect on the use of electronic money (Y), and the lifestyle variable (X3) has a positive effect and significant to the use of electronic money (Y). Keywords: Financial Literacy, Technology Literacy, Lifestyle, Electronic Money.
Preferensi Generasi Milenial dalam Menggunakan QRIS sebagai Alat Pembayaran Digital Mitra Sami Gultom; Huda Salsabila; Andi Amri
Jurnal Inovasi Pendidikan Ekonomi (JIPE) Vol 13, No 1 (2023): Jurnal Inovasi Pendidikan Ekonomi
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/011194030

Abstract

The understanding of the millennial generation in using and utilizing QRIS is still low, even though Bank Indonesia and OJK have supported the implementation of QRIS in finance. This study aims to determine the preferences of Indonesian Islamic Bank customers, especially the Millennial Generation in Using Digital Payment Instruments, namely QRIS in DKI Jakarta. The type of research used is a quantitative method with the population is the millennial generation who live in the province of DKI Jakarta. The sample obtained was 100 respondents using purposive sampling technique. The data analysis technique used is multiple linear regression with the help of SPSS software. The findings obtained are partially usefulness perception and trust perception have a positive and significant effect on preferences in using QRIS. Meanwhile, the perceived convenience and risk perception variables have a negative and insignificant effect on customer preferences. Simultaneously, these factors have an influence on the preferences of Indonesian Islamic Bank customers.
Analisis Determinan yang Mempengaruhi Keputusan Menggunakan Produk Bank Islam Thailand: Minat sebagai Variabel Intervening Sabrinah Nurfalah Hasanah; Andi Amri; Mitra Sami Gultom
Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2024): Juni 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v8i1.15166

Abstract

Bank Islam sering disebut dengan Bank Syariah di Indonesia, bank tersebut banyak diminati oleh kalangan masyarakat muslim, akan tetapi bank tersebut hadir pada negara yang memiliki populasi muslim minoritas. Penelitian ini bertujuan untuk mengetahui pengaruh religiusitas, kepercayaan dan literasi keuangan Syariah yang dimiliki responden terhadap keputusannya untuk menggunakan produk Bank Islam Thailand dengan minat sebagai variabel intervening. Dengan menggunakan metode kuantitatif serta pendekatan asosiatif, data yang digunakan ialah data primer dengan objek penelitian karyawan dan guru di Yayasan Sangkhom Islam Wittaya School, Sadao menggunakan sampel jenuh sehingga diperoleh 52 responden. Adapun dalam menganalisis data menggunakan SEM dengan bantuan software SmrtPLS. Hasil dari penelitian ini menunjukkan bahwasanya: (1) hubungan religiusitas terhadap keputusan menggunakan tidak berpengaruh; (2) hubungan kepercayaan terhadap keputusan menggunakan berpengaruuh positif; (3) literasi keuangan Syariah terhadap keputusan menggunakan berpengaruh positif; (4) religiusitas terhadap minat tidak berpengaruh; (5) kepercayaan terhadap minat berpengaruh positif; (6) literasi keuangan Syariah terhadap minat berpengaruh positif; (7) religiusitas terhadap keputusan menggunakan dengan minat sebagai variabel intervening tidak berpengaruh; (8) kepercayaan terhadap keputusan menggunakan dengan minat sebagai variabel intervening berpengaruh positif; (9) literasi keuangan Syariah terhadap keputusan menggunakan dengan minat sebagai variabel intervening berpengaruh positif; (10) keputusan menggunakan terhadap minat berpengaruh positif.
Co-Authors Ainul Latif ANDI AMRI Andi Amri Fatma Yeni Huda Salsabila Melda Putri Nur Safitry RAMADHI RAMADHI Sabrinah Nurfalah Hasanah Sarah Afifah