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All Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Economics, Business, Accounting & Society Review
Mu'tamim, Nurul
Unknown Affiliation
Economics, Econometrics & Finance Education Social Sciences

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Analisis Kesiapan Berwirausaha Mahasiswa Kewirausahaan: Studi Kualitatif pada Konteks Pendidikan Tinggi Mu'tamim, Nurul; Sari, Sefni Novita
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 2 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i2.31364

Abstract

This study is motivated by the gap between formal entrepreneurship education and the actual readiness of students to become entrepreneurs. The aim of this study is to explore the entrepreneurial readiness of 2024 entrepreneurship students at Universitas PGRI Sumatera Barat. A descriptive qualitative approach was used, with purposive sampling for participant selection. Data were collected through in-depth interviews, participatory observation, and document analysis, then analyzed using interactive analysis techniques. The results reveal that student readiness is shaped through complex interactions between internal motivation, self-efficacy, campus and family support, and project-based learning experiences. However, challenges such as fear of failure and lack of practical experience remain key obstacles. This study highlights the need for contextual, practical, and socially integrated entrepreneurship education. The implication is the importance of strengthening the curriculum and campus entrepreneurial ecosystem to produce graduates who are genuinely prepared to compete in the business world.
When Intention Is Not Enough: Post-Adoption Use Behavior of Islamic Mobile Banking within the UTAUT2 Framework Mu'tamim, Nurul; Dwita, Vidyarini
Economics, Business, Accounting & Society Review Vol. 4 No. 3 (2025): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/ebasr.v4i3.344

Abstract

This research investigates the factors influencing usage behavior of the Muamalat DIN application, an Islamic mobile banking service provided by Bank Muamalat Indonesia in Padang City, by applying the UTAUT2 framework. Specifically, the study evaluates the effects of performance expectancy, effort expectancy, and facilitating conditions on users’ behavioral intention, as well as the impact of behavioral intention on actual usage behavior. Additionally, it examines the mediating role of behavioral intention and the moderating effect of user experience on the relationship between intention and use behavior. A quantitative research design was employed, with data collected through a survey of 105 Muamalat DIN users. The data were processed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings demonstrate that performance expectancy, effort expectancy, and facilitating conditions exert positive and significant influences on behavioral intention. Behavioral intention, in turn, significantly affects use behavior and serves as a mediator between the antecedent variables and actual application usage. Moreover, user experience significantly moderates the relationship between behavioral intention and use behavior, suggesting that the influence of intention diminishes as users accumulate greater experience. In summary, the sustained use of Islamic mobile banking services is largely shaped by users’ perceptions of usefulness, ease of use, and the availability of adequate supporting infrastructure. This study extends the UTAUT2 literature by offering a post-adoption perspective within the context of Islamic digital banking and provides practical insights for banks seeking to improve service quality and user experience in order to foster continued usage.
Co-Authors Dwita, Vidyarini Sari, Sefni Novita