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All Journal Mutanaqishah: Journal of Islamic Banking Dhana
Herlina Rasjid
Universitas Negeri Gorontalo, Indonesia
Economics, Econometrics & Finance

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Explaining Financial Technology Adoption Among Micro-Businesses: Evidence from An Integrated TAM-TPB Framework Moch. Fadjar B. Saidia; Hais Dama; Herlina Rasjid
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3506

Abstract

Purpose – This Study aims to explain financial technology adoption among microbusinesses in Gorontalo City: evidence from an integrated TAM-TPB framework. Methodology – The sampling technique in this study uses the Slovin formula. The data collection technique in this study is primary data collection. The population in this study comprises 11,806 micro-business actors in Gorontalo City, with a total sample of 99 respondents. The analysis is performed using SPSS 23. Findings – Partial tests (t-test) show that perceived ease of use and effectiveness positively and significantly influence Financial Technology usage, while risk has no significant effect. Simultaneously (F-test), all variables significantly influence FinTech use. The coefficient of determination (R²) is 0.481 (48.1%), indicating that 51.9% of FinTech usage is explained by other factors not examined in this study. Implications–  The study confirms the applicability of integrating TAM and TPB in the context of micro-enterprises. Practically, it highlights the critical need for FinTech developers and policymakers to prioritise risk-mitigation strategies, enhance security features, and foster digital financial literacy to build trust and accelerate digital adoption among micro-business actors. Originality– This study showed a comprehensive framework that bridges TAM and TPB, uniquely demonstrating how perceived risk interacts with usability and effectiveness to shape the digital financial behaviours of micro-business actors.
Accountability And Transparency Analysis Of Local Government Financial Performance (Study of Regional Apparatus Organizations (OPD) in Pohuwato Regency) Sitti Rizqi Aulia Rasyid; Harun Blongkod; Herlina Rasjid
Dhana Vol. 1 No. 3 (2024): DHANA-SEPTEMBER
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/b6d2ac20

Abstract

Since the implementation of performance-based budgeting, all local governments have been obligated to create good financial performance of their local governments. As such, financial performance is one of the most significant topics to be studied in public sector organizations, including the government. the growing calls from public sector entities including national and local governments and government work units for the adoption of public accountability. The purpose of this study is to ascertain how accountability and transparency affect local governments' financial performance. This study employs a quantitative methodology. Purposive sampling is the method used in the sampling process. In order to collect primary data for this study, 210 respondents were given questionnaires. The study's conclusions demonstrate that: 1) Accountability has a positive and significant impact on the local government's financial performance; 2) Transparency has a positive and significant impact on financial performance; and 3) Accountability and Transparency have a significant impact on the Pohuwato Regency Regional Government's financial performance at the same time.
Co-Authors Hais Dama Harun Blongkod Moch. Fadjar B. Saidia Sitti Rizqi Aulia Rasyid