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All Journal Jurnal Ilmiah Ekonomi Islam
Ike Dwi Agustina
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Economics, Econometrics & Finance Social Sciences

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Determinan Minat Penggunaan E-payment Syariah Dimoderasi Literasi Keuangan Syariah Ike Dwi Agustina; Feri Dwi Riyanto
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9010

Abstract

The potential for using e-payments is so large that it encourages people to meet the transaction needs of the Indonesian people by using sharia-based e-payments. Sharia e-payment has become a trend and is currently being discussed by people in Indonesia. This study aims to identify factors that can influence the interest of MSMEs in Malang City in using sharia e-payments with Islamic financial literacy as moderation. The research conducted is a quantitative research with a descriptive approach. The sample used was 108 respondents who are owners/top management of MSME owners in Malang City who have made transactions using sharia e-payments in the last 3 years. The data obtained was tested with Partial Least Square (PLS-SEM). The results show that financial self-efficacy has an effect on perceived usefulness and intention to use sharia e-payment, perceived security has a significant effect on perceived usefulness and perceived ease of use, perceived usefulness and perceived ease of use has an effect on intention to use sharia e-payment. Meanwhile, financial self-efficacy has no effect on perceived ease of us and perceived ease of use has no effect on perceived usefulness. Islamic financial literacy can moderate financial self-efficacy. But, not able to moderate perceived security, perceived usefulness, and perceived ease of use.
Co-Authors Abdullah Afif Misbahuddin Eka Wahyu Hestya Budianto Feri Dwi Riyanto Mega Noerman Ningtyas Rahmatul 'Aini Wahidiyah