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All Journal At-Taradhi: Jurnal Studi Ekonomi Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Kharis Fadlullah Hana
Universitas Islam Negeri Sunan Kudus
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Pengaruh Islamic Financial Literacy Terhadap Financial Management Behavior serta Dampaknya terhadap Financial Technology pada Mahasiswa UIN Sunan Kudus Intan Ayu Amalia; Kharis Fadlullah Hana
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.30762

Abstract

Meskipun Penelitian ini bertujuan untuk mengetahui pengaruh Islamic Financial Literacy terhadap Financial Management Behavior serta dampaknya terhadap Financial Technology pada mahasiswa UIN Sunan Kudus. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui penyebaran kuesioner kepada mahasiswa UIN Sunan Kudus. Data penelitian kemudian diolah menggunakan metode Partial Least Square (PLS) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa Literasi Keuangan Islam mempunyai pengaruh positif dan signifikan terhadap Perilaku Pengelolaan Keuangan. Selain itu, Perilaku Pengelolaan Keuangan juga berpengaruh positif dan signifikan terhadap Teknologi Keuangan. Dari hasil tersebut dapat diketahui bahwa semakin baik literasi keuangan syariah yang dimiliki mahasiswa, maka perilaku dalam mengelola keuangan serta penggunaan teknologi keuangan juga akan semakin baik.
Pengaruh Penerapan Service Quality terhadap Kepuasan melalui Kepercayaan Nasabah BSI Mobile (Studi Kasus: UIN Sunan Kudus) Dea Aprilia; Kharis Fadlullah Hana
At-Taradhi Jurnal Studi Ekonomi Vol 17 No 1 (2026): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v17i1.20808

Abstract

This study examines the effect of service quality on customer trust, with customer satisfaction acting as a mediating variable, among BSI Mobile users at UIN Sunan Kudus. Prior studies in this field have consistently treated satisfaction as an outcome of service quality and trust as an antecedent of satisfaction, but rarely tested — and sometimes mislabeled — the specific mediating role that satisfaction plays in translating service quality into trust for a young, digitally native customer segment. This gap motivated the present study. A quantitative associative approach was employed using Partial Least Squares Structural Equation Modelling (PLS-SEM), with data collected from 100 respondents selected through purposive sampling. The results indicate that service quality has a positive and significant effect on customer satisfaction, and that customer satisfaction, in turn, has a positive and significant effect on customer trust. Furthermore, service quality exerts a significant indirect effect on customer trust through customer satisfaction as a mediating variable. These findings confirm that customer satisfaction functions as a critical link between service quality and trust formation in a digital banking context, offering theoretical refinement of the service-quality-satisfaction-trust chain and practical direction for Islamic digital banking providers.
Customer Satisfaction and Islamic Financial Literacy as Determinants of Murabahah Financing Repayment Behavior: Evidence from an Indonesian Islamic Rural Bank Muhammad Syahrul Syahroni; Kharis Fadlullah Hana
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3427

Abstract

Repayment behavior is a crucial factor in maintaining the sustainability of Islamic financing, particularly under Murabahah contracts, where payment discipline directly affects the financial performance of Islamic rural banks. Despite the increasing adoption of Murabahah financing, repayment performance is often challenged by variations in customer satisfaction and Islamic financial literacy. This study aims to examine the influence of customer satisfaction and Islamic financial literacy on customers' repayment behavior in Murabahah financing at BPRS Gala Mitra Abadi. The study contributes to the Islamic banking literature by integrating service-related and financial literacy perspectives into a single empirical model to explain repayment behavior. A quantitative explanatory approach was employed using survey data collected from 70 active Murabahah financing customers selected through purposive sampling. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with SmartPLS software. The findings indicate that customer satisfaction has a positive and statistically significant effect on repayment behavior (β = 0.228; p = 0.023). Islamic financial literacy also demonstrates a positive and stronger influence on repayment behavior (β = 0.513; p < 0.001). Furthermore, both variables jointly explain 52.7% of the variance in customers' repayment behavior (R² = 0.527), suggesting that they represent important determinants of repayment discipline in Murabahah financing. These findings imply that improving service quality and strengthening Islamic financial literacy programs may enhance customers' repayment commitment while reducing financing risk in Islamic rural banks.
Co-Authors Dea Aprilia Intan Ayu Amalia Muhammad Syahrul Syahroni