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All Journal Business Management Analysis Journal (BMAJ) Al-Tijary : Jurnal Ekonomi dan Bisnis Islam
Mohamad, Rosyad Denhas
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Economics, Econometrics & Finance

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THE IMPACT OF RELIGIOSITY AND USER PERCEPTIONS ON MOBILE PAYMENT ADOPTION AMONG STUDENTS AT ISLAMIC UNIVERSITIES IN YOGYAKARTA Virgiawan, Rheyza; Aditya, Achmad; Mohamad, Rosyad Denhas
Business Management Analysis Journal (BMAJ) Vol 7, No 2 (2024): Business Managament Analysis Journal (BMAJ)
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/bmaj.v7i2.12735

Abstract

This study aims to analyze the influence of religiosity on university students' interest in using mobile payment services through the extended Technology Acceptance Model (TAM). The research objective is to examine how perceived usefulness (PU), perceived ease of use (PEU), perceived security (PS), and religiosity (R) impact mobile payment adoption among students in Islamic universities in Yogyakarta. Data was collected from January to March 2024 via a Google Form questionnaire involving 203 students from Islamic universities in Yogyakarta. The quantitative analysis was performed using Smart-PLS. The findings indicate that among the four exogenous variables, only perceived usefulness (PU) significantly and positively affects mobile payment adoption, highlighting its crucial role in influencing student adoption decisions. Conversely, perceived ease of use (PEU), perceived security (PS), and religiosity (R) showed positive but insignificant effects on mobile payment adoption. Limitations include the relatively small sample size and the focus on a specific demographic, which may affect the generalizability of the results. Future research should explore a larger and more diverse population, include additional variables such as cultural and socioeconomic factors, and employ longitudinal studies to better understand the dynamics of mobile payment adoption over time. 
Identifying Key Determinants of Entrepreneurial Intention: Integrating TPB and Religiosity Among Islamic University Students in Yogyakarta Daffa, Haidar; Virgiawan, Rheyza; Mohamad, Rosyad Denhas
Al-Tijary Vol 10 No 2 (2025): AL-TIJARY VOL. 10, NO. 2, JUNI 2025
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v10i2.10481

Abstract

This study aims to examine the influence of religiosity and the Theory of Planned Behavior (TPB) model on entrepreneurial intention among students at Islamic universities in Yogyakarta. The data collection was conducted from January to March 2024 using a purposive sampling method, resulting in 252 respondents. A quantitative research design was employed, with data gathered through an online questionnaire distributed via Google Forms. The data were analyzed using SmartPLS version 4.1.0.1. The study found that independent attitude (X1) and religiosity (X4) did not have a significant influence on students' entrepreneurial intention. In contrast, entrepreneurial knowledge (X2) and motivation (X3) were found to significantly influence students’ intention to engage in entrepreneurship. These results suggest that, compared to independent attitude and religiosity, entrepreneurial knowledge and motivation play a more substantial role in shaping entrepreneurial intention among students at Islamic universities in Yogyakarta.
Co-Authors Aditya, Achmad Daffa, Haidar Virgiawan, Rheyza