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All Journal Majapahit Journal of Islamic Finance and Management Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi
Rozaq Syamsul Hidayatullah
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS KEPERCAYAAN DAN KEMUDAHAN MAHASISWA UMS TERHADAP MINAT PENGGUNAAN PRODUK FINTECH Raharjo, Fernando Candra; Ahmad Nazhifa Arkan; Rahmad Galih Aditya; Rozaq Syamsul Hidayatullah; Bibit Wijianarko Rezza Mahendra
Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi Vol. 2 No. 1 (2024)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/determinasi.v2i1.210

Abstract

The rapid development of technology is currently seen as a means to facilitate access to information and increase the efficiency and effectiveness of resource management. Technological developments, especially in the use of the internet, have attracted public attention. Fintech, as a result of the integration of financial services and technology, is changing business processes from traditional to informal. People who previously had to transact directly and carry money can now do business remotely. This research adopts a quantitative approach with a focus on collecting statistical and objective data through scientific calculations. The research method used is a scientific approach to find solutions in scientific investigations and obtain data with specific objectives. This research uses multiple regression analysis methods to explain and summarize conditions that occur in society. Two main types of data sources were used: primary data obtained from individuals through questionnaires, and secondary data obtained from relevant literature, articles, journals and websites. The population of this study were UMS students, with sampling using a non-probability sampling approach and purposive sampling technique. This statistical test is used to analyze matters relating to validity, feasibility, multiple regression, t test, and coefficient of determination test. The results obtained show that they are in accordance with the results obtained from the questionnaire whose validity and feasibility were tested. The results of the determination test (R^2) with an Adjusted R Square value of 0.283 show that trust influences interest in investing in sharia bonds by 28.3%, and other variables not included in the model influence the remainder by 71.7%. The model feasibility test (F test) confirms that the simple linear regression model in this research is feasible. The results of the hypothesis test (T test) show that the variables of trust and comfort both have a positive effect on interest in using FINTECH products.
E-Wallets and Financial Literacy: Shaping Gen Z Wasteful Behavior in Indonesia Rozaq Syamsul Hidayatullah; Mahameru Rosy Rochmatullah
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 1 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i1.375

Abstract

This study finds that among the tested variables, Love of Money, Machiavellianism, Religiosity, and Tax Knowledge, only Love of Money has a significant influence on tax evasion among accounting students. This highlights the central role of personal financial values in ethical decision-making, suggesting that when monetary gain is prioritized excessively, it can override normative considerations such as compliance and integrity. The non-significance of Machiavellianism, Religiosity, and Tax Knowledge indicates that mere possession of knowledge or personal belief systems may not be sufficient to deter unethical behavior, possibly due to weak internalization or external pressures. These findings underscore the importance of embedding ethical reflection and value-oriented education in accounting curricula, not just focusing on technical competence. Future studies should explore psychological and contextual variables such as peer influence, perceived fairness of taxation, or institutional trust to develop a more comprehensive understanding. Expanding the methodological approach through qualitative interviews and broader sampling would also enhance the richness and generalizability of the results.
Co-Authors Ahmad Nazhifa Arkan Bibit Wijianarko Rezza Mahendra Mahameru Rosy Rochmatullah Raharjo, Fernando Candra Rahmad Galih Aditya