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All Journal MALIA: Journal of Islamic Banking and Finance BISNIS : Jurnal Bisnis dan Manajemen Islam
Fagustina, Anis
Unknown Affiliation
Economics, Econometrics & Finance

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Sustainability of Sharia Fintech: The Role of Perceived Benefit And Perceived Risk Supriyanto, Agus; Fagustina, Anis
MALIA: Journal of Islamic Banking and Finance Vol 8, No 1 (2024): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v8i1.26635

Abstract

This study aims to examine the influence of Perceived Benefit and Perceived Risk on Intention to use Sharia Fintech and its impact on the sustainability of Sharia Fintech. The research sample consisted of 137 respondents selected using purposive sampling method. The results of the study indicate that perceptions of benefits and risks have a significant influence on users' intention to adopt Sharia Fintech. Users' intention, as a direct result of perceptions of benefits and risks, plays a crucial role in maintaining the sustainability of the Sharia Fintech industry. Recommendations for future research include the development of strategies focused on enhancing perceptions of benefits and reducing perceptions of risks associated with the use of Sharia Fintech. Furthermore, further research is needed to understand other factors that may influence users' intentions and the sustainability of the Sharia Fintech industry, in order to formulate more comprehensive and sustainable development strategies.
Influencer Credibility Matters: Efek Brand Image dan Parasocial Relationship pada Niat Beli Skincare Halal Fagustina, Anis; Handoyo, Ag.Sunarno; Supriyono, Supriyono
BISNIS Vol 13, No 1 (2025): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v13i1.34038

Abstract

Penelitian ini membahas pengaruh kredibilitas influencer termasuk daya tarik, kepercayaan, dan keahlian terhadap niat beli online produk perawatan kecantikan halal, dengan mempertimbangkan citra merek dan hubungan parasosial sebagai mediator. Fokus penelitian adalah konsumen di Kabupaten Kudus, daerah dengan mayoritas populasi Muslim. Metode yang digunakan adalah kuantitatif dengan analisis Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil menunjukkan bahwa ketiga dimensi kredibilitas influencer berpengaruh positif dan signifikan terhadap citra merek dan hubungan parasosial, yang pada gilirannya meningkatkan niat beli online. Citra merek dan hubungan parasosial terbukti memperkuat pengaruh tidak langsung kredibilitas influencer terhadap niat beli. Temuan ini menegaskan pentingnya strategi pemasaran digital yang memanfaatkan kredibilitas influencer serta penguatan citra merek untuk membangun kedekatan emosional dengan konsumen dan mendorong keputusan pembelian produk kecantikan halal secara online.
Co-Authors Agus Supriyanto Agus Supriyanto Handoyo, Ag.Sunarno Supriyono Supriyono