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Mohamad Rafii
Universitas Muhammadiyah Palangkaraya
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Adopsi QRIS di Kalimantan: Analisis Empiris Berdasarkan Model UTAUT Rafii, Mohamad; Nuswantoro, Setio Ardy; Ulfi, Muhammad; Junaedi, Ahyar; Windiarti, Ika Safitri
Jurnal Teknik Vol 13, No 2 (2024): Juli - Desember 2024
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/jt.v13i2.12238

Abstract

Dengan menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT), penelitian ini menganalisa bagaimana penerimaan dari teknologi Quick Response Indonesia Standard (QRIS) oleh pengguna pembayaran digital di Kalimantan. Untuk mengevaluasi hubungan antara konstruk utama, Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), dan Facilitating Conditions (FC), terhadap Behavioral Intentions (BH) dan Use Behavior (UB), studi ini menggunakan pendekatan kuantitatif Structural Equation Modeling (SEM). Sampel 418 orang yang dipilih untuk pengumpulan data dipilih melalui survei online yang dikirim melalui Google Forms. Confirmatory Factor Analysis (CFA) digunakan untuk memverifikasi validitas dan reliabilitas instrumen pengukuran. Jika Average Variance Extracted (AVE) melebihi 0,5 dan nilai Cronbach’s Alpha melebihi 0,7, instrumen tersebut menunjukkan reliabilitas yang kuat. Hasil penelitian menunjukkan bahwa seluruh struktur memiliki reliabilitas yang tinggi. Kemudian ditemukan bahwa setiap konstruk utama memuliki pengaruh, baik langsung ataupun tidak langsung terhadap BH dan UB pada penggunaan teknologi QRIS. Studi ini memberikan wawasan empiris tentang penerimaan teknologi di Indonesia dan memberikan implikasi bagi para pemangku kepentingan yang ingin meningkatkan adopsi dan penggunaan sistem pembayaran digital.
Enhancing Accessibility for Disabled Students through Video-Based Learning and Sign Language Sintaman, Putri Irianti; Junaedi, Ahyar; Rafii, Mohamad; Risdayanti, Adhelwis Sekar; Mujizatryo, Andykha
Bitnet: Jurnal Pendidikan Teknologi Informasi Vol. 10 No. 1 (2025): Bitnet: Jurnal Pendidikan Teknologi Informasi
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/bitnet.v10i1.8534

Abstract

This study focuses on addressing the accessibility challenges faced by students with disabilities in higher education by integrating sign language videos with PowerPoint presentations. The objective is to improve learning outcomes and inclusivity, particularly for students with hearing impairments. Using the ADDIE (Analysis, Design, Development, Implementation, and Evaluation) instructional model, the research developed a video-based learning system tailored to the needs of disabled students. Data were collected from students at faculty of business and informatics, palangkaraya muhammadiyah university. Findings reveal significant improvements in accessibility, engagement, and comprehension, with a 38% increase in material access and a 31% improvement in understanding complex concepts. The study concludes that incorporating sign language into educational content not only facilitates better learning outcomes but also promotes active student participation. This research highlights the potential for future development of assistive technologies to create inclusive learning environments in higher education.
The Impact of Ethics, Trust and User Experience Mediating Variables on the Corporate Image of Bank Syariah Indonesia KC Palangkaraya Rafii, Mohamad
Anterior Jurnal Vol. 24 No. 2 (2025): Anterior Jurnal
Publisher : ​Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/anterior.v24i2.9248

Abstract

In the context of digital marketing of Bank Syariah Indonesia KC Palangkaraya, this study investigates the influence of ethics, trust, and user experience on corporate image. PLS-SEM (Partial Least Squares Structural Equation Modeling), implemented with Smart-PLS version 3.2.7, was the quantitative methodology used. The research sample consisted of one hundred randomly selected people. The results showed that trust has the most significant influence on corporate image (path coefficient 0.387, p-value 0.001). Ethics, on the other hand, has a positive but statistically insignificant effect (path coefficient 0.145, p-value 0.289). In addition, user experience has a significant effect on corporate image (path coefficient 0.282, p-value 0.007). However, user experience does not serve as a moderator in the relationship between ethics and trust in corporate image. This study suggests that Bank Syariah Indonesia should prioritize building customer trust, providing an ideal user experience, and applying ethical principles in digital marketing to improve its corporate image.
Disaster Information System and Work Productivity of the Regional Disaster Management Agency (BPBD) of Palangka Raya City Jaemi Wahyudi; Bayu Suratmoko; Ahyar Junaedi; Mohamad Rafii
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2065

Abstract

Purpose. This study aims to examine the implementation of disaster management information systems in improving work productivity at the Regional Disaster Management Agency (BPBD) of Palangka Raya City. The research focuses on how integrated organizational structures and the use of supporting technologies contribute to more effective disaster response and coordination. Materials and Methods. A qualitative approach was employed using data collection techniques including interviews, observations, and documentation. The study involved key informants from BPBD and utilized triangulation to ensure the validity of findings. Results. The findings indicate that the integrated structure of BPBD, supported by technologies such as the PERISAI application and the 112-emergency call centre service, has significantly improved data management and disaster response coordination. However, challenges remain in the form of limited human resources and low public awareness regarding the disaster information system. These limitations hinder the optimal utilization of the system and its potential benefits in disaster mitigation and response. Conclusions. Continuous staff training and intensive public outreach are needed to enhance understanding and participation in disaster mitigation efforts. The study highlights the importance of developing adaptive disaster information systems, strengthening human resource capacity, and increasing community education as key elements for effective disaster management at the regional government level
Influence of Public Policy on Business Strategy: A Systematic Literature Review and Thematic Visualization Analysis Ahyar Junaedi; Mohamad Rafii; Irwani
Journal of Enterprise and Development (JED) Vol. 6 No. 2 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i2.11104

Abstract

Purpose — The primary purpose of this study is to investigate how political decisions and public policies shape the formulation and implementation of business strategies across various organizational contexts.Method — Following the PRISMA guidelines, this study commenced with an extensive search in the Scopus database, initially identifying 281 articles. However, after rigorous relevance and quality screenings, only six articles were selected. VOSviewer was then employed for advanced visual analytics to explore the interconnections and thematic developments within the academic discourse, providing deeper insights into the literature's structure and evolution.Result — The findings reveal a complex interplay between business strategies and public policies, where alignment with governmental directives is associated with increased innovation and market adaptability. Conversely, misalignments tend to result in higher compliance costs and reduced strategic agility. The visualizations highlight key areas such as sustainability, regulatory frameworks, and strategic management, underscoring their crucial roles in shaping how businesses respond to policy changes.Novelty — This Systematic Literature Review (SLR) combines thematic visualizations with systematic data analysis to provide a clearer understanding of the dynamic relationship between policy decisions and business strategies. This approach not only reveals the current state of research but also traces the evolution of key themes over time, offering insights into the shifting focuses of both academic and practical perspectives.
Strategic Management in Islamic Banking: The Role of Religiosity and Service Satisfaction in Shaping Customer Decisions Ahyar Junaedi; Mohamad Rafii; Bayu Suratmoko
Journal of Enterprise and Development (JED) Vol. 6 No. 3 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i3.11857

Abstract

Purpose: This study explores the influence of religiosity and service satisfaction on customer decisions, focusing on the dynamics of these variables within the Islamic banking sector in Indonesia, one of the largest markets for Sharia-compliant financial services globally.Method: A quantitative research approach was used to collect data from 100 respondents via structured questionnaires. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to rigorously test the hypothesized relationships and evaluate the strength and direction of the proposed variables.Result: The findings indicate that religiosity has a statistically insignificant effect on customer decisions. While religious alignment may influence preferences, it does not substantially drive decision-making. In contrast, service satisfaction is a significant and dominant factor influencing customer decisions. Together, these variables account for 50.7% of the variance in customer decisions, highlighting the critical role of service quality in shaping customer behavior within the Islamic banking sector.Practical Implications for Economic Growth and Development: The study suggests that enhancing service satisfaction in the Islamic banking sector can significantly drive customer decisions, thereby contributing to economic growth and development by strengthening consumer trust and increasing market participation.
Adopsi QRIS di Kalimantan: Analisis Empiris Berdasarkan Model UTAUT Rafii, Mohamad; Nuswantoro, Setio Ardy; Ulfi, Muhammad; Junaedi, Ahyar; Windiarti, Ika Safitri
Jurnal Teknik Vol. 13 No. 2 (2024): Juli - Desember 2024
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/jt.v13i2.12238

Abstract

Dengan menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT), penelitian ini menganalisa bagaimana penerimaan dari teknologi Quick Response Indonesia Standard (QRIS) oleh pengguna pembayaran digital di Kalimantan. Untuk mengevaluasi hubungan antara konstruk utama, Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), dan Facilitating Conditions (FC), terhadap Behavioral Intentions (BH) dan Use Behavior (UB), studi ini menggunakan pendekatan kuantitatif Structural Equation Modeling (SEM). Sampel 418 orang yang dipilih untuk pengumpulan data dipilih melalui survei online yang dikirim melalui Google Forms. Confirmatory Factor Analysis (CFA) digunakan untuk memverifikasi validitas dan reliabilitas instrumen pengukuran. Jika Average Variance Extracted (AVE) melebihi 0,5 dan nilai Cronbach’s Alpha melebihi 0,7, instrumen tersebut menunjukkan reliabilitas yang kuat. Hasil penelitian menunjukkan bahwa seluruh struktur memiliki reliabilitas yang tinggi. Kemudian ditemukan bahwa setiap konstruk utama memuliki pengaruh, baik langsung ataupun tidak langsung terhadap BH dan UB pada penggunaan teknologi QRIS. Studi ini memberikan wawasan empiris tentang penerimaan teknologi di Indonesia dan memberikan implikasi bagi para pemangku kepentingan yang ingin meningkatkan adopsi dan penggunaan sistem pembayaran digital.
Islamic Banking Digital Marketing Strategy: Using Social Media and Content Marketing on Interest in Service Usage Mohamad Rafii; Ahyar Junaedi; Bayu Suratmoko
International Journal of Entrepreneurship, Business, and Creative Economy Vol. 5 No. 2 (2025): July
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v5i2.3312

Abstract

This study aims to analyze the effectiveness of digital marketing strategies in increasing consumer interest in Islamic banking services, focusing on the role of social media and content marketing. Using a quantitative approach, data was collected through a survey of 109 respondents who are customers of Bank Syariah Indonesia. The results of the analysis show that the use of social media significantly influences consumer awareness and emotional engagement, while informative and relevant content marketing builds trust and interest in Islamic banking products. Collectively, social media and content marketing can increase consumer interest in Islamic banking services by 84.6%. These findings show that digital marketing, through social media and content marketing, has a very important role in driving consumer interest in choosing and using Islamic banking services, and strengthening the position of Islamic banking in the global financial market.
Decoding Purchase Decisions: The Role of Influencer Credibility and Content mohamad rafii rafii; Ahyar Junaedi; Bayu Suratmoko; Nur Annisa
Bitnet: Jurnal Pendidikan Teknologi Informasi Vol. 11 No. 2 (2026): Bitnet: Jurnal Pendidikan Teknologi Informasi
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/bitnet.v11i2.12839

Abstract

The rapid growth of social media has positioned influencer marketing as a key driver of consumer purchase decisions, yet the relative roles of influencer attributes and content characteristics remain unclear. This study investigates the effects of Influencer Credibility, Content Frequency, and Content Relevancy on Purchase Decision using survey data from 516 active social media users analyzed with SEM-PLS 4. The results show that the model explains 58.1% of the variance in Purchase Decision (R² = 0.581) and demonstrates strong predictive relevance (Q²predict = 0.570). Hypothesis testing indicates that Content Relevancy has a strong and significant effect on Purchase Decision (β = 0.613; t = 11.058; p < 0.001; f² = 0.370), making it the most influential predictor. Content Frequency has a positive but weak effect (β = 0.121; t = 2.192; p = 0.014; f² = 0.014), while Influencer Credibility does not significantly influence Purchase Decision (β = 0.080; t = 1.410; p = 0.079; f² = 0.008). These findings suggest that content relevance plays a more critical role than influencer credibility in shaping purchase decisions. The study highlights the importance of content strategy in enhancing the effectiveness of influencer marketing.
The Impact of AI Knowledge, Attitudes on Technology, and Usage Experience on Student Self-Confidence (A Study at the Faculty of Business and Informatics) mohamad rafii rafii; Bayu Suratmoko; Masrifah Dwi Yanti
Bitnet: Jurnal Pendidikan Teknologi Informasi Vol. 11 No. 1 (2026): Bitnet: Jurnal Pendidikan Teknologi Informasi
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/bitnet.v11i1.11357

Abstract

The disruption caused by Artificial Intelligence (AI) requires psychological readiness, particularly self-confidence, among students as future professionals. This study aims to analyze and empirically test the impact of AI Knowledge (X1), Attitude on Technology (X2), and Usage Experience (X3) on students' Self-Confidence (Y). Using an explanatory quantitative approach, data were collected through an online survey of 306 students (as a sample) at the Faculty of Business and Informatics, Muhammadiyah University Palangkaraya (N=842). The data were analyzed using PLS-SEM with SmartPLS 4. The model evaluation results showed that the data were valid and reliable, with strong predictive power (Q²=0.620). The bootstrapping hypothesis test results showed that all three hypotheses were accepted: AI Knowledge (T=2.697; P=0.004), Attitude on Technology (T=5.046; P=0.000), and Usage Experience (T=5.875; P=0.000) all have a positive and significant effect on Self-Confidence. These three variables collectively explain 63.3% of the variance in Self-Confidence (R²=0.633). Experience of Use (X3) proved to be the most dominant predictor (coefficient=0.425; f²=0.195), followed by Attitude (X2) (f²=0.129), and Knowledge (X1) (f²=0.027). This study concludes that to build student self-confidence, practice-based (“doing”) and affective (‘feeling’) interventions have a much greater substantive impact than cognitive (“knowing”) interventions.
Co-Authors Ahyar Junaedi Arif Supriyadi Bayu Suratmoko Hosiana Dwiputri Loncagar Ika Safitri Windiarti Irwani Irwani Irwani Jaemi Wahyudi Jaemi Wahyudi Latif Ridho Firmansyah Lindie Raya Mustika Masrifah Dwi Yanti Muhammad Achiril Haq Muhammad Nur Alief Hartoyo Muhammad Ulfi Mujizatryo, Andykha Novianto Eko Wibowo Novita Nur Alief Nur Annisa Nur Annisa Putri Irianti Sintaman Risdayanti, Adhelwis Sekar Setio Ardy Nuswantoro Suffianor Suffianor Suffianor Sutami Yuli Fatmawati Yuyu Jahratu Noor Santy