Article Per Year (5 Year)
p-Index From 2020 - 2025
0.444
P-Index
This Author published in this journals
All Journal Journal of Mandalika Review Journal of Finance and Islamic Banking
M. Zainul Ridho
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Perceptions of Business Actors in Kuta on Digital Payment Adoption for Enhancing Tourism Attractions in Kuta Mandalika M. Zainul Ridho; Fuddinata, Nelyska Nisyana
Journal of Mandalika Review Vol. 3 No. 1 (2024): Journal of Mandalika Review
Publisher : Politeknik Pariwisata Lombok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55701/mandalika.v3i1.141

Abstract

Introduction: This study examines the crucial significance of digital payments in the business environment of Kuta, a prominent tourist destination undergoing worldwide digital change. Methodology: By utilizing purposive sampling, a total of 100 respondents were specifically selected to guarantee a minimum sample size of 82 respondents for a thorough and reliable study. The research attempts to gain a full understanding of how local business actors in Kuta view and implement digital payment options using offline questionnaires. The Smart PLS SEM approach will be used to carefully analyze the obtained data to reveal insights into the perceptions and behavioral intentions associated with digital payments in these contents. Findings: The statistical significance of observed effects is assessed using p-values, which indicate the only factors that significantly and favourably influence behavioural intention (BI) to adopt digital payment systems are effort expectation (EE) and facilitating condition (FC) (p < 0.05)., the impacts of Performance Expectancy (PE) and Social Influence (SI) lack statistical significance, indicating the possibility of random outcomes. Conclusion: To summarize, the study highlights that out of the four independent variables, only Effort Expectancy and Facilitating Condition had a significant influence on behavioral intention to implement digital payment systems in Kuta. Keywords: Digital Payment, Behavioural Intention, Expectancy
Cutomer Loyalty in the Age of Digital Sharia Finance: Evidence from Bank Digital Aladin Syariah Mahsun; Tia Rahmatika; Nurazizah; M. Zainul Ridho; Zilal Afwa Ajidin; Ratna Dewi Kusumawati; Husnul Muamilah
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11814

Abstract

Purpose: This study aims to examine the influence of e-service quality, halal perception, and trust in online platforms on customer loyalty, with customer satisfaction as a mediating variable, focusing on users of Bank Digital Aladin Syariah among Generation Z students. Method: The research employed a quantitative descriptive approach using purposive sampling. Data were collected via structured questionnaires and analyzed using path analysis with multiple linear regression, including F-test and t-test procedures, processed through SPSS version 30. Results: The results indicated that e-service quality, halal perception, and trust in online platforms had a significant direct effect on both customer satisfaction and customer loyalty. However, customer satisfaction did not serve as a mediating variable in the relationship between the three independent variables and loyalty, suggesting that these factors influenced loyalty independently. Implication: The findings provide managerial insights for Islamic digital banking institutions to focus on improving digital service quality, reinforcing Sharia compliance, and building platform trust to foster customer loyalty. Originality: This paper contributes to the literature on Islamic digital finance by integrating technological, ethical, and religious variables into a unified model for explaining customer loyalty. The study offers a novel perspective by focusing on Generation Z users with specific exposure to Islamic banking education and experience.
Co-Authors Fuddinata, Nelyska Nisyana Husnul Muamilah Mahsun Nurazizah Ratna Dewi Kusumawati Tia Rahmatika Zilal Afwa Ajidin