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All Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET)
Yoni Hendrawan
STAIN Teungku Dirundeng Meulaboh
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education

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THE INFLUENCE OF FINTECH DEVELOPMENT ON INTEREST IN NON-CASH TRANSACTIONS AMONG THE MEULABOH COMMUNITY IN WEST ACEH Widasari; Muliza; Yoni Hendrawan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 3 (2026): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18919687

Abstract

The people of Meulaboh, West Aceh, continue to follow developments in information technology, as evidenced by the easy access to the internet in Meulaboh, West Aceh. Furthermore, a positive impact of technological developments in the financial sector is the ability to conduct cashless transactions through fintech. This study aims to examine the influence of fintech developments on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions. This study employed a quantitative research method, collecting data using questionnaires and analyzing data using simple regression tests. The results showed a significance value (Sig) of 0.000, lower than 0.05, and a t-value (t-count) of 24.113, greater than the t-table of 1.660. This concludes that fintech developments have a significant positive effect on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions.
THE INFLUENCE OF FINTECH DEVELOPMENT ON INTEREST IN NON-CASH TRANSACTIONS AMONG THE MEULABOH COMMUNITY IN WEST ACEH Widasari; Muliza; Yoni Hendrawan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 4 (2026): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20039122

Abstract

The people of Meulaboh, West Aceh, continue to follow developments in information technology, as evidenced by the easy access to the internet in Meulaboh, West Aceh. Furthermore, a positive impact of technological developments in the financial sector is the ability to conduct cashless transactions through fintech. This study aims to examine the influence of fintech developments on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions. This study employed a quantitative research method, collecting data using questionnaires and analyzing data using simple regression tests. The results showed a significance value (Sig) of 0.000, lower than 0.05, and a t-value (t-count) of 24.113, greater than the t-table of 1.660. This concludes that fintech developments have a significant positive effect on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions.
Keterbatasan Inovasi Produk dalam Perbankan Syariah Indonesia: Analisis Struktural atas Hambatan Regulatif, Kelembagaan, dan Teknologi Fadillah Muawana; Mellyan Mellyan; Yoni Hendrawan
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 3 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i3.31973

Abstract

This study aims to critically examine the structural barriers limiting product innovation in Indonesia’s Islamic banking sector. Employing a qualitative method through a literature-based approach, this study analyzes academic publications, regulatory documents, and industry reports related to innovation in Islamic finance. The findings identify four major categories of challenges: regulatory complexity and Shariah compliance, limited human capital capabilities, slow digital transformation, and weak collaboration among academics, regulators, and industry actors. These factors interact and form a systemic structural hindrance to the innovation process. The study recommends regulatory reform grounded in maqashid al-shari’ah, capacity-building of human resources, digital adoption aligned with Islamic values, and the development of a sustainable, collaborative ecosystem. This research contributes to the discourse on strengthening Islamic financial innovation through an integrative and context-responsive framework
Co-Authors Fadillah Muawana Mellyan Mellyan Muliza Widasari