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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Islamic Education Management Research
Pratiwi, Annisa Rizki
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Penggunaan Mobile Banking dan Potensi Risiko Terhadap Kepercayaan Nasabah dengan Literasi Keuangan sebagai Variabel Moderasi Nur Amalia, Syahamah; Pratiwi, Annisa Rizki; Gultom, Parapat
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24374

Abstract

This study uses financial literacy as a moderating variable to investigate how potential harms associated with mobile banking affect customer trust. The quantitative descriptive approach is the methodology used, and data were collected through questionnaires filled out by approximately 308 respondents. SmartPLS 3.0 software will then be used to analyze the data using partial least squares. According to the study findings, customer trust is positively and significantly influenced by the variable of mobile banking usage, positively and significantly influenced by potential risks, positively and significantly influenced by financial literacy, and positively and significantly influenced by potential risks. The impact of mobile banking on customer trust cannot be reduced by the variable of financial literacy. The potential threats to customer trust cannot be reduced by the variable of financial literacy. The variable of customer trust can cover 59.5% of the independent variables, according to the results of the R Square test, and the remaining 40.5% in other studies using other variables. Keywords: Mobile Banking Usage, Potential Risks, Customer Trust, Financial Literacy
Adaptive Leadership in Character Education: Insights from SMP Negeri 3 Kasihan, Bantul, Indonesia Pratiwi, Annisa Rizki; Sibawaihi
Journal of Islamic Education Management Research Vol. 1 No. 1 (2023): Islamic Education Management
Publisher : Islamic Education Management Study Program, Faculty of Tarbiyah and Education State Islamic University (UIN) Sunan Kalijaga Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiemr.2023.11-06

Abstract

Purpose  – This research examines the pivotal role played by the Head of SMP Negeri 3 Kasihan in implementing character education strengthening. It seeks to explore the process of implementing character education, shedding light on the key supporting and inhibiting factors during the Industrial Revolution era 4.0 and the challenges posed by the COVID-19 pandemic. Design/methods/approach  – Conducted as a qualitative study, this research utilized a field survey approach employing descriptive analysis. The study occurred at SMP Negeri 3 Kasihan and used data collection methods such as observation, interviews, and documentation. An inductive method was applied, concluding specific facts to generalize findings. Findings  – The research findings reveal three main points: (1) The Head of the school serves various roles, including manager, educator, administrator, supervisor, leader, and innovator, in implementing character education strengthening. (2) In the era of Industry 4.0, the process involves personality development through scouting and the introduction of technology. Character-strengthening education was conducted during the pandemic through distance, online, and blended learning. (3) Students adapt to the times, with online implementation a significant supporting factor. However, challenges include suboptimal material delivery and a lack of direct monitoring due to the online learning environment. Research implications/limitations  – The impact of this research extends to educational policymakers and practitioners, emphasizing the multifaceted role of school leaders in character education. Rules include the specific context of SMP Negeri 3 Kasihan and the challenges the online learning environment poses. Practical implications  – The study underscores the need for adaptive approaches in character education implementation, recognizing the role of school leaders as crucial in overcoming challenges, especially in the context of the Industrial Revolution era 4.0 and the pandemic. Originality/value  – This research contributes to the literature by providing insights into the specific challenges and strategies the Head of SMP Negeri 3 Kasihan employs in implementing character education during dynamic times. The study's originality lies in examining the dual impact of Industry 4.0 and the pandemic on character education, offering valuable lessons for educational institutions navigating similar challenges.
Pengaruh Penggunaan Mobile Banking dan Potensi Risiko Terhadap Kepercayaan Nasabah dengan Literasi Keuangan sebagai Variabel Moderasi Nur Amalia, Syahamah; Pratiwi, Annisa Rizki; Gultom, Parapat
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24374

Abstract

This study uses financial literacy as a moderating variable to investigate how potential harms associated with mobile banking affect customer trust. The quantitative descriptive approach is the methodology used, and data were collected through questionnaires filled out by approximately 308 respondents. SmartPLS 3.0 software will then be used to analyze the data using partial least squares. According to the study findings, customer trust is positively and significantly influenced by the variable of mobile banking usage, positively and significantly influenced by potential risks, positively and significantly influenced by financial literacy, and positively and significantly influenced by potential risks. The impact of mobile banking on customer trust cannot be reduced by the variable of financial literacy. The potential threats to customer trust cannot be reduced by the variable of financial literacy. The variable of customer trust can cover 59.5% of the independent variables, according to the results of the R Square test, and the remaining 40.5% in other studies using other variables. Keywords: Mobile Banking Usage, Potential Risks, Customer Trust, Financial Literacy
Co-Authors Nur Amalia, Syahamah Parapat Gultom Sibawaihi Sibawaihi