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All Journal Jurnal Ulul Albab SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Community Development Journal: Jurnal Pengabdian Masyarakat Equity: Jurnal Ekonomi Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Jurnal Pengabdian kepada Masyarakat International Journal of Social Science Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Journal of Economic, Business and Engineering (JEBE) Proceedings of The ICECRS IIJSE Journal of Community Empowerment NuCSJo : Nusantara Community Service Journal JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis
Zaenafi Ariani
Universitas Muhammadiyah Mataram
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Faktor Penentu Adopsi Qris dari Perspektif Literasi Keuangan, Kemudahan Penggunaan, dan Inovasi Teknologi Nur Fitri Hidayanti; Zaenafi Ariani; M. Taufik Akbar
Ulul Albab: Majalah Universitas Muhammadiyah Mataram Vol 29, No 2 (2025): Juli
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jua.v29i2.33462

Abstract

Abstrak: Penelitian ini penting dilakukan karena adopsi QRIS sebagai sistem pembayaran digital yang semakin berkembang memerlukan pemahaman mendalam mengenai peran literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam meningkatkan penerimaan serta kepercayaan pengguna di berbagai lapisan masyarakat. Penelitian ini bertujuan untuk menganalisis dan mensintesis temuan-temuan yang telah ada guna memperoleh pemahaman yang lebih mendalam mengenai hubungan antara literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam mendorong adopsi QRIS. Metode yang digunakan adalah SLR dengan sumber literatur yang berasal dari Google Scholar, DOAJ, dan Scopus, serta dibatasi pada publikasi yang terbitan 10 tahun terakhir. Hasil penelitian menunjukkan bahwa literasi keuangan berperan penting dalam meningkatkan pemahaman individu terhadap manfaat dan risiko sistem pembayaran digital, sedangkan kemudahan penggunaan menjadi faktor utama yang menarik pengguna dari berbagai latar belakang demografis. Inovasi teknologi, seperti enkripsi data, otentikasi transaksi, dan integrasi dengan kecerdasan buatan, turut berkontribusi dalam meningkatkan kepercayaan pengguna terhadap QRIS. Namun, masih terdapat tantangan dalam bentuk kesenjangan literasi digital, persepsi risiko keamanan, serta kurangnya pemahaman pengguna terhadap mekanisme perlindungan data. Oleh karena itu, diperlukan pendekatan yang lebih holistik yang mengintegrasikan literasi keuangan, digitalisasi, dan inovasi teknologi guna mempercepat adopsi QRIS secara luas dan berkelanjutan.Abstract: This research is important because the growing adoption of QRIS as a digital payment system requires an in-depth understanding of the role of financial literacy, ease of use, and technological innovation in increasing user acceptance and trust at various levels of society. This research aims to analyze and synthesize existing findings to gain a deeper understanding of the relationship between financial literacy, ease of use, and technological innovation in driving QRIS adoption. The method used is SLR with literature sources from Google Scholar, DOAJ, and Scopus, and limited to publications published in the last 10 years. The results show that financial literacy plays an important role in improving individuals' understanding of the benefits and risks of digital payment systems, while ease of use is the main factor that attracts users from various demographic backgrounds. Technological innovations, such as data encryption, transaction authentication, and integration with artificial intelligence, also contribute to increasing user trust in QRIS. However, challenges remain in the form of digital literacy gaps, perceived security risks, and users' lack of understanding of data protection mechanisms. Therefore, a more holistic approach that integrates financial literacy, digitalization, and technological innovation is needed to accelerate the widespread and sustainable adoption of QRIS.
PENGARUH KUALITAS LAYANAN TELLER DAN COSTUMER SERVICE TERHADAP KEPUASAN NASABAH DI BANK NTB SYARIAH Muhammad Danu Pratama; Zaenafi Ariani; Nur Fitri Hidayanti
Jesya Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2571

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan Teller (X₁) dan Customer Service (X₂) terhadap kepuasan nasabah (Y) pada Bank NTB Syariah dengan mengacu pada dimensi SERVQUAL serta nilai-nilai pelayanan berbasis syariah. Metode penelitian menggunakan pendekatan kuantitatif melalui survei asosiatif dengan sampel berjumlah 100 nasabah aktif yang telah menggunakan layanan teller maupun customer service minimal enam bulan. Instrumen penelitian berupa kuesioner skala Likert lima poin, dengan nilai rata-rata deskriptif menunjukkan persepsi sangat baik pada seluruh variabel, yaitu X₁ = 81,53; X₂ = 81,20; dan Y = 80,40. Analisis dilakukan menggunakan regresi linear berganda melalui JASP. Hasil penelitian menunjukkan bahwa secara simultan kualitas layanan teller dan customer service berpengaruh signifikan terhadap kepuasan nasabah (F = 11,99; p < 0,001). Secara parsial, variabel X₂ berpengaruh signifikan (β = 0,416; p < 0,001), sedangkan X₁ tidak signifikan (β = 0,186; p = 0,117). Nilai koefisien determinasi sebesar R² = 0,198 mengindikasikan bahwa 19,8% variasi kepuasan nasabah dapat dijelaskan oleh kedua variabel layanan. Dengan demikian, penelitian menyimpulkan bahwa kualitas layanan customer service merupakan faktor dominan dalam meningkatkan kepuasan nasabah, sementara peran teller perlu diperkuat untuk menciptakan pelayanan yang lebih komprehensif dan sesuai prinsip syariah.
The Influence of E-Money Usage Frequency and Understanding of Sharia Principles on Millennial Consumptive Behavior Merry; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.592

Abstract

The utilization of electronic money (e-money) has significantly increased in the era of digitalization, altering the consumption patterns of Muslim millennials in Mataram. This study aims to investigate the impact of the frequency of e-money usage and the level of understanding of Sharia principles on Sharia-compliant consumption behavior. Employing a quantitative research design, the study surveyed 93 respondents selected through simple random sampling. Data analysis was conducted using multiple linear regression with the assistance of SPSS software. The findings reveal that the frequency of e-money usage exerts a positive and statistically significant influence on consumption behavior aligned with Sharia principles, exhibiting a coefficient of 54.4% and a significance value of 0.00. Furthermore, the understanding of Sharia values demonstrates a positive effect of 28.3%, with a significance value of 0.013. Collectively, these two variables exert a robust influence on Sharia-oriented consumption behavior, as indicated by an F value of 51.99 and an R-squared value of 52.6%. These results suggest that an increased frequency of e-money usage, coupled with a deeper understanding of Sharia principles, corresponds to more ethical and balanced consumption behavior among Muslim millennials. Consequently, it is imperative to enhance digital literacy in conjunction with strengthening Sharia financial literacy, ensuring that the adoption of financial technology aligns with the objectives of Maqashid al-Syariah in fostering economic welfare and accountability in the digital age.
The Impact of Sharia Fintech and People's Business Credit (KUR) on the Sustainability of MSMEs in Mataram City Safina; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.598

Abstract

This study aims to analyse the impact of Sharia Fintech and People's Business Credit (KUR) on the sustainability of MSMEs in Mataram City. This study is important because MSMEs still have limited access to financing, so the use of technology-based financial services and subsidised credit programmes is necessary to support business continuity. The study uses a quantitative approach with a survey method of 100 MSME actors selected through purposive sampling. The research instrument is a questionnaire with a 1–5 Likert scale, which is then analysed using multiple linear regression through SPSS version 22. The results show that Sharia Fintech has a positive and significant effect on the sustainability of MSMEs, as reflected in increased access to financing, operational efficiency, and innovation capabilities. In addition, KUR also has a positive and significant effect on the sustainability of MSMEs through capital strengthening, increased production capacity, and improved business stability. Simultaneously, both variables were proven to contribute significantly to the sustainability of MSMEs in Mataram City. Thus, it can be concluded that the integration of Sharia-based technology financing and government credit programmes can improve the sustainability performance of MSMEs and has the potential to become a strategic instrument in local economic development.
Co-Authors Abdul Wahab Abdurrahman Abdurrahman Ady Supryadi Aesthetica Fiorini Mantika Ahmad Hulaimi Ahmad Hulaimi Aqodiah Aqodiah Ariansyah Ayuliana Ayuliana Bahri Yamin Baiq Ida Astini Baiq Reinalda Triyunarni Baiq Reinelda Tri Yunarni Devi Sastika Wiramaya Dira Meisyaqia ENDANG RAHMAWATI Erwin, Yulias Fahrurrozi Fahrurrozi Ilham Ilham Imawanto Imawanto M Musfiatul Wardi M. Taufik Akbar Malami Muhammad Garba Mardiah Hayati Marianah Merry Mos Indrawati Muhammad Danu Pratama Muhammad Hudri Muhammad Zaki Muhirdan Muhirdan Mukhlishin Mukhlishin Mukhlishin Nur Aini Nur Fitri Hidayanti Nur Oktaviani Nur'aini Nur'aini Nurul Hidayah Nur’aini Nur’aini Putri, Dina Soes Rena Aminwara Rezky Cikal Pratama Rohayu H, Rina Roni Ardiyansah S, Nurjannah Safina Sahman Z Siti Lamusiah Suci Canda Ati Surmini Syaharuddin Syaharuddin Syahrul Ramadhan Tin Yuliani Veni Edrian Yuli Astriana