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All Journal Jurnal Informatika Ekonomi Bisnis Jurnal Ilmiah Manajemen Kesatuan
Sugianto
Universitas Islam Negeri Sumatera Utara, Indonesia
Economics, Econometrics & Finance Social Sciences

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Potensi Pengembangan Pariwisata di Kabupaten Padang Lawas Siti Holijah; Sugianto; Siti Aisyah
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 4 (December 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i4.708

Abstract

The tourism potential of hot springs in Padang Lawas Regency acts as a driving force for the economy of communities with low to medium economic levels. The people of Paringgonan Village depend on agriculture, so if this tourism is managed well it will have the potential for tourism development. This research aims to determine the tourism potential to be developed by the Tourism Office in Paringgonan Village. In this research, qualitative research methods were used with a descriptive approach. The data analysis technique applied is the interactive model introduced by Miles and Huberman, which includes the stages of data collection, data reduction, data presentation, as well as drawing conclusions and verification. The results of this research indicate that the potential for developing Hot Springs tourism has several supporting factors. There are tourist attractions such as hot springs, the availability of accommodation facilities such as hotels or inns, and the presence of mosques as important facilities. However, there are shortcomings in terms of road infrastructure to the Hot Springs and additional services. Apart from that, the efforts made by the Tourism Department to date have not reached their maximum potential. Therefore, in developing various tourist attractions in Paringgonan Village, there needs to be closer collaboration between the community and the local government, as well as improving facilities that can meet the needs of tourists who come to visit.
Determinants of Islamic Digital Banking Adoption: Extending UTAUT3 with Islamic Lifestyle Moderation in Indonesia Sugianto; Muhammad Lathief Ilhamy Nasution; M. Fauzan; Muhammad Alwan Atha
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4832

Abstract

The rapid digitalization of financial services has transformed global banking, yet the adoption of Islamic digital banking remains limited in emerging economies. The study examines the effects of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, and personal innovativeness on customers’ behavioral intention to adopt Islamic digital banking. This study investigates the determinants of Islamic digital banking adoption in Indonesia by extending the Unified Theory of Acceptance and Use of Technology 3 (UTAUT3) with Islamic lifestyle as a moderating factor. The research uses quantitative and survey data from 147 active Islamic banking customers across Sumatra and employs Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that all UTAUT3 constructs significantly and positively influence adoption intention, indicating that both rational–instrumental and behavioral–psychological factors shape digital banking decisions. Furthermore, Islamic lifestyle significantly moderates these relationships, enhancing the impact of technological and behavioral determinants when services align with Islamic values. The study contributes theoretically by integrating UTAUT3 with Islamic Lifestyle Theory and offers practical guidance for Islamic banks and policymakers to design Sharia-compliant digital strategies that combine efficiency with ethical and religious value alignment, highlighting the importance of value congruence in sustainable adoption.
Co-Authors M. Fauzan Muhammad Alwan Atha Muhammad Lathief Ilhamy Nasution Siti Aisyah Siti Holijah