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All Journal Scientific Journal of Reflection : Economic, Accounting, Management and Business JURNAL LENTERA BISNIS NEAR: Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomika Manajemen Dan Bisnis Center of Economic Students Journal (CSEJ) Indo-Fintech Intellectuals: Journal of Economics and Business Journal of Business Management and Islamic Banking Jurnal Pengabdian Masyarakat Indonesia (JPMI) Ecoducation Research Journal of Social Economics Empowerment (ROSEE)
Aditya Kumala Dewi
Universitas Tidar
Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Nursing Public Health Social Sciences Transportation Other

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The Role of Islamic Ethical Consideration in Shaping Artificial Intelligence Usage Behavior in Higher Education Satrio Tegar Sadewo; Abdul Aziz Baihaqi; Aditya Kumala Dewi
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.0501-01

Abstract

Purpose—This study aims to examine the effects of perceived usefulness, perceived ease of use, and Islamic Ethical Consideration on ChatGPT usage behavior among Muslim university students in Indonesia. Design/methodology/approach—A quantitative survey was conducted with 259 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test both direct and indirect relationships within an extended Technology Acceptance Model. Findings—The findings indicate that perceived usefulness significantly increases usage behavior (β = 0.241, p < 0.001). Perceived ease of use does not directly influence usage behavior (β = 0.065, p = 0.180) but shows a significant indirect effect through perceived usefulness (β = 0.119, p < 0.001). Islamic Ethical Consideration has a significant negative effect on usage behavior (β = −0.176, p = 0.006). Research implication/limitation—This study is limited by its cross-sectional design and sample concentration, and it implies the need for ethically grounded AI guidance in higher education and broader future research. Theoretical Contribution/Originality—This study extends TAM by showing that ChatGPT usage among Muslim students is shaped not only by functional perceptions but also by Islamic ethical considerations.
Co-Authors Abdul Aziz Baihaqi Della Ayu Dermawan, Divanno Bali Pangestu Dewantara, Ghiyats Furqan Firdaus, Anzar Alfat Ghiyats Furqan Dewantara Ghiyats Furqan Dewantara Laeli Nur Musthafa, Afif Rahmah, Syifaur Retno Rekayati Saras Shinta Qurrota ‘Aini Satrio Tegar Sadewo Septiani, Reni Eka Sofian Ardi Vabella, Davina Italya Zikra, Naswatun