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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Fanny Kristin Tantyah Sitompul
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Economics, Econometrics & Finance

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Implications Of The Unified Theory Of Acceptance And Use Of Technology 2 (Utaut2) Model On Cryptocurrency Investment Intentions Among Generation Z In Jayapura City With Financial Literacy As A Moderator Isma Shalihi Ahlia; Musa Kris Payokwa; Aprianto La'lang Kuddy; Fanny Kristin Tantyah Sitompul; Iriando Wijaya
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8238

Abstract

This study aims to analyze the effect of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) construct on the intention to invest in cryptocurrency among Generation Z in Jayapura City, with financial literacy as a moderating variable. This study uses a quantitative approach with an explanatory method. Data were obtained from 210 respondents aged 18–30 years through probability sampling techniques. Data analysis was performed using Structural Equation Modelling–Partial Least Squares (SEM–PLS) with the assistance of SmartPLS 4.0 software. The results showed that of the eight variables tested, only financial literacy had a positive and significant effect on cryptocurrency investment intentions. Meanwhile, the seven primary constructs of UTAUT2—performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit—had no significant effect. In addition, financial literacy was found to act as a moderating variable that strengthens the influence of hedonic motivation and weakens the influence of facilitating conditions on investment intentions. These findings indicate that Generation Z's investment decisions in Jayapura are more influenced by their level of financial knowledge and readiness than by technological readiness. Theoretically, this study expands the UTAUT2 model by adding financial literacy as a relevant contextual variable in explaining digital investment behaviour in developing regions. Practically, the results of this study emphasise the importance of strengthening digital financial literacy programs for young investors, developing educational content on investment platforms, and integrating digital financial literacy into college curricula to encourage rational and sustainable investment behaviour.
Development Of A Competency Model For Millennial Noken Crafters To Enhance The Competitive Advantage Based On The Creative Economy In The City Of Jayapura Fanny Kristin Tantyah Sitompul; Leon Mitra Harju2; Isma Shalihi Ahlia; Iriando Wijaya; Adriel Sitompul
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8236

Abstract

This study examines the competencies of millennial noken crafters in Jayapura City to improve competitive advantages based on the creative economy. The research design uses a mixed method with an Explanatory Sequential Design approach. Quantitative data was collected through a survey of 27 noken crafters with data analysis using Exploratory Factor Analysis (EFA) and multiple regression. Qualitative data was collected through in-depth interviews, observations, and document studies. The results show that the competence of noken craftsmen is largely determined by attitudes and values (β=0.403), while the competitive advantage of noken is determined by product differentiation (β=0.430). The most dominant aspect of the creative economy is the ability of noken crafters to access markets and marketing (β=0.321). Qualitative analysis highlights the need for technical training, strengthening cultural values, design differentiation, consistent promotion, and the role of government support. The competency model developed is the result of integrating attitudes and values, knowledge, and skills, then linking them to markets and marketing, creativity and innovation, collaboration and policy, cultural added value, quality and consistency to strengthen the competitiveness and sustainability of noken businesses in the creative economy era. This model is expected to serve as a practical guideline for the development of millennial noken crafters in Jayapura.
Co-Authors Adriel Sitompul Ahlia, Isma Shalihi Aprianto La'lang Kuddy Iriando Wijaya Leon Mitra Harju2 Musa Kris Payokwa