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All Journal Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman JEBD Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Nurhalimah Lubis
UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Economics, Econometrics & Finance Engineering

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Analysis Of The Behavior Of Using Mobile Banking Services For Students Abdul Nasser Hasibuan; Muhammad Arif; Nurhalimah Lubis; Putri Bunga Meiliana Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6522

Abstract

Abstrak Penelitian ini bertujuan untuk menjelaskan analisis perilaku penggunaan layanan mobile banking pada mahasiswa se-Sumatera Utara dengan pedekatan : technology acceptance model baik secara simultan maupun parsial. Sampel yang digunakan sebanyak 450 responden mahasiswa dengan teknik pengambilan sampel mengunakan teknik  proportioate stratified random sampling dengan melakukan uji hubungan dengan teknik  analisis SEM (Structural Equation Model), yang akan dianalisis menggunakan alat bantu  structural equation modeling dengan metode alternatif partial least square menggunakan software SmartPLS. Penelitian ini menemukan bahwa secara simultan persepsi manfaat dan persepsi kemudahan pengguna memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Sedangkan secara parsial persepsi manfaat dan persepsi kemudahan pengguna juga memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Serta persepsi manfaat lebih dominan dibandingkan persepsi kemudahan pengguna di dalam penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Abstract This study aims to explain the behavioral analysis of the use of mobile banking services to students in North Sumatra with the approach: technology acceptance models, either simultaneously or partially. The sample used is 450 student respondents with the sampling technique using the proportional stratified random sampling technique by conducting a relationship test with the SEM analysis technique, with the alternative method of partial least square using the SmartPLS. This study found that simultaneously the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. Meanwhile, partially, the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. As well as the perception of benefits is more dominant than the perceived ease of users in using mobile banking services for students in North Sumatra. 
Analysis Of The Behavior Of Using Mobile Banking Services For Students Abdul Nasser Hasibuan; Muhammad Arif; Nurhalimah Lubis; Putri Bunga Meiliana Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6522

Abstract

Abstrak Penelitian ini bertujuan untuk menjelaskan analisis perilaku penggunaan layanan mobile banking pada mahasiswa se-Sumatera Utara dengan pedekatan : technology acceptance model baik secara simultan maupun parsial. Sampel yang digunakan sebanyak 450 responden mahasiswa dengan teknik pengambilan sampel mengunakan teknik  proportioate stratified random sampling dengan melakukan uji hubungan dengan teknik  analisis SEM (Structural Equation Model), yang akan dianalisis menggunakan alat bantu  structural equation modeling dengan metode alternatif partial least square menggunakan software SmartPLS. Penelitian ini menemukan bahwa secara simultan persepsi manfaat dan persepsi kemudahan pengguna memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Sedangkan secara parsial persepsi manfaat dan persepsi kemudahan pengguna juga memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Serta persepsi manfaat lebih dominan dibandingkan persepsi kemudahan pengguna di dalam penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Abstract This study aims to explain the behavioral analysis of the use of mobile banking services to students in North Sumatra with the approach: technology acceptance models, either simultaneously or partially. The sample used is 450 student respondents with the sampling technique using the proportional stratified random sampling technique by conducting a relationship test with the SEM analysis technique, with the alternative method of partial least square using the SmartPLS. This study found that simultaneously the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. Meanwhile, partially, the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. As well as the perception of benefits is more dominant than the perceived ease of users in using mobile banking services for students in North Sumatra. 
Pelaksanaan Zakat Hasil Pertanian di Kalangan Petani dan Pedagang (Toke) Salak Muslim di Kecamatan Angkola Barat Tapanuli Selatan Silvia Harahap Harahap; Rosnani Siregar; Nurhalimah Lubis
Jurnal Ekonomi dan Bisnis Digital Vol. 4 No. 1 (2026): Juli - September
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The agricultural sector in Indonesia has great potential, and Zakat serves as a solution to overcome poverty and empower the people. Given that most of the population in Angkola Barat District, South Tapanuli, depends on the salak (snake fruit) agricultural sector, the potential for Zakat from this sector is very large. However, awareness to pay Zakat on agricultural produce among salak farmers and traders in the area is still low. This research aims to determine the practice of implementing Zakat on salak agricultural produce and to analyze the factors causing the low awareness of salak farmers and traders (Toke) in paying Zakat. This research uses a qualitative research type with a case study method. The research subjects consisted of 16 salak farmers and traders from four villages in Angkola Barat District. Based on the research results, it is concluded that the awareness of salak farmers and traders (Toke) in fulfilling Zakat on agricultural produce is still very low, even though their nominal income has reached or even exceeded the nisab (minimum threshold for Zakat liability). The main factors influencing this low awareness include: Lack of understanding that agricultural Zakat must be paid immediately after the nisab is reached, without having to wait for the haul (one year of ownership), especially for agricultural products that are harvested multiple times a year, such as salak; the low level of education and the perception that Zakat only reduces income; the minimal educational role of Zakat institutions and religious leaders in socializing the obligation of agricultural Zakat, resulting in most only being familiar with Zakat Fitrah (Zakat paid during Ramadan); and the minimum presence of official institutions managing agricultural Zakat in the region.
Co-Authors Abdul Nasser Hasibuan Muhammad Arif Putri Bunga Meiliana Daulay Rosnani Siregar Silvia Harahap Harahap