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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Review of Islamic Social Finance and Entrepreneurship
Weni Hawariyuni, Weni
Department of Economics, Kulliyyah of Economics and Management Science International Islamic University of Malaysia
Religion Humanities Economics, Econometrics & Finance Social Sciences

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Behavioral Intention to Adopt Islamic Financial Technology: Theory of Planned Behaviour with Gender Moderation Utami, Budi Barata Kusuma; Wardiwiyono, Sartini; Hawariyuni, Weni; Abduh, Muhamad; Riadi, Imam
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 11 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v11i2.11041

Abstract

The Islamic banking industry in Indonesia continues to grow, as evidenced by the presence of technology-based services. This study aims to test the application of the theory of plan behavior in explaining customer intention to use Islamic financial technology by adding gender variables as moderators. Primary data were collected from 298 Islamic fintech users through direct and online surveys. The sample was selected based on the purposive sampling technique. Using PLS MGA analysis, this study found that attitude, subjective norms, and perceived behavioral control positively affect the intention to use Islamic fintech, except for perceived behavioral control in the male gender. Using the MGA, Parametric, and Welch-Satterthwait tests, the study also revealed no significant difference between males and females in utilizing Islamic fintech. This study expands the understanding of psychological and social factors in adopting Islamic fintech. It also contributes to the literature by filling the research gap that has not considered gender moderation in adopting Islamic fintech.
Do The Socio-Economic Status, Religious Attitudeand Customer Perception Impact On Customer Behavior? : Islamic Banking Case Yuliaty, Tetty; Dalimunthe, Doli Muhammad Jafar; Hawariyuni, Weni
IKONOMIKA Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i2.15827

Abstract

This study aims to investigate customer behavior at Islamic banks,Indonesia. This research was analyzed by using path analysis approach involving 200 respondents as customers at several Islamic banks in Medan, Indonesia. Based on this research show the socio-economic status and religious attitudes have positively and significantly impactto customer behavior. On the other hand, socio-economic status and religious attitude are also positively and significantly impact for customer perceptions. Customer perceptions have the implication to increase positive customer behavior, sharia banking managers in Indonesia need to foster the religiosity of customers and target prospective customers who have good religiosity and good socio-economic status.
Long term nexus between digitalization and macroeconomy on zakat collection in Indonesia Suprayitno, Aryadimas; Hawariyuni, Weni; Pratomo, Wahyu Ario; Hasibuan, Widya Sartika; Andrasari, Monika; Widiastuti, Tika; Susanto, Arva Athallah
Review of Islamic Social Finance and Entrepreneurship Volume 4 Issue 2, 2025
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol4.iss2.art4

Abstract

Purpose – This study aims to investigate the long-term and short-term impacts of digitalization and macroeconomic factors on zakat collections in Indonesia. It explores and validates the successful use of the Internet and a country's economic conditions to maximize zakat collection.Methodology – This study employs annual time series data from 1991 to 2024 to examine zakat collections in Indonesia, with digitalization and macroeconomic performance as the key exogenous variables. The selected period captures major economic disruptions, including the Asian Financial Crisis, 2008 global financial crisis, and post-pandemic recovery. The Autoregressive Distributed Lag (ARDL) model was applied to assess the long-short dynamic relationship effect among the variables.Findings – This study addresses hypothesis by empirically confirms that the integration of digitalization and macroeconomic improvements plays a pivotal role in enhancing zakat collections in Indonesia. The findings reveal a favorable long-term and short-term impact of digitalization on zakat collection, and long-term positive effects and short-term negative effects of macroeconomic conditions.Implications – This study provides critical insights for BAZNAS and other zakat institutions in designing and implementing sustainable digital strategy policies that enhance zakat mobilization and management efficiency. By integrating digital transformation initiatives with a forward-looking approach to future economic dynamics, zakat organizations can strengthen transparency and improve donor engagement.Originality – This research presents a unique contribution by addressing the scarcity of studies on zakat collections that incorporate both long-term and short-term analyses. Furthermore, research incorporating macroeconomics and digitalization as external factors in the study of zakat remains limited.
Co-Authors Budi Barata Kusuma Utami Dalimunthe, Doli Muhammad Jafar Hasibuan, Widya Sartika Imam Riadi Kassim, Salina Hj Muhamad Abduh, Muhamad Suprayitno, Aryadimas Susanto, Arva Athallah Tetty Yuliaty Tika Widiastuti Wahyu Ario Pratomo Wardiwiyono, Sartini